Michael Naz
Dec 8, 2017 · 2 min read

Loan Mod Help Center Resource Links

This is a collection of links that I created in October of 2014 to help homeowners, advocates, attorneys, brokers, realtors and loan officers when they are seeking a loan modification of a mortgage.

It was originally found on www.loanmodhelpcenter.com

For any additions or corrections please email webmaster@loanmodhelpcenter.com

Consumer Financial Protection Bureau pages pertaining to loan mod help:
http://www.consumerfinance.gov/complaint/#mortgage
http://www.consumerfinance.gov/regulations/2013-real-estate-settlement-procedures-act-regulation-x-and-truth-in-lending-act-regulation-z-mortgage-servicing-final-rules/
http://www.ecfr.gov/cgi-bin/text-idx?c=ecfr&tpl=/ecfrbrowse/Title12/12cfr1015_main_02.tpl

National Consumer Law Center pages updated for 2014 that may be help when trying to get a loan mod that is affordable:
http://www.nclc.org/foreclosures-mortgages/new-cfpb-mortgage-servicing-rules-part-1-error-resolution-force-placed-insurance-periodic-statements-other-servicer-duties
http://www.nclc.org/foreclosures-mortgages/new-cfpb-mortgage-servicing-rules-part-2-loss-mitigation-procedures

The National Mortgage Settlement page that addresses the loan mod help available from servicers:
http://www.nationalmortgagesettlement.com/

Mortgage Electronic Registration System (MERS) to see who owns a mortgage loan, look up by full social security number and property address:
https://www.mers-servicerid.org

Freddie Mac Loan Lookup:
https://ww3.freddiemac.com/loanlookup/
http://www.freddiemac.com/learn/pdfs/service/std_strm_mod.pdf (Freddie Mac Standard and Streamlined Modification Reference Guide (expired 2017)
Flex Modification guidelines (as of 2017): http://www.freddiemac.com/singlefamily/service/flex_modification.html

Fannie Mae Loan Lookup and resource page for knowing your options when it comes to loan mod help:
http://www.fanniemae.com/loanlookup/
http://knowyouroptions.com/modify/modification
https://www.fanniemae.com/content/job_aid/implementing-standard-modifications.pdf (loan mod help guideline for Fannie Mae Standard and Streamline Mod expired 2016)
Flex modification by Fannie Mae: https://www.fanniemae.com/content/announcement/ll1606.pdf

Making Home Affordable, Home Affordable Modification Program pages that help in getting a loan mod under MHA HAMP (expired 2016):
https://www.hmpadmin.com/portal/resources/advisors/escalation.jsp
https://www.hmpadmin.com/portal/programs/docs/hamp_servicer/mhahandbook_44.pdf
https://www.hmpadmin.com/portal/programs/hamp.jsp
https://www.hmpadmin.com/portal/programs/docs/hamp_servicer/sd1402.pdf
https://www.hmpadmin.com/portal/news/announcements.jsp

Veteran’s Affairs’ regarding loan mod help to avoid foreclosure:
http://www.benefits.va.gov/homeloans/documents/docs/foreclosure_avoidance_fact_sheet.pdf

Federal Housing Administration insured loans and the guidelines on getting loan mod help for FHA insured loans:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/nsc/lossmit
http://portal.hud.gov/hudportal/documents/huddoc?id=13-32ml.pdf

Online Home valuation tools from Chase Bank and Eppraisal which links you to Zillow when you search for home value:
https://www.chase.com/mortgage/mortgage-resources/home-value-estimator
http://www.eppraisal.com/

Bank of America loan mod help by the checklist documents they need and the Consent Judgement under the National Mortgage Settlement:
http://homeloanhelp.bankofamerica.com/en/document-checklist.html
https://d9klfgibkcquc.cloudfront.net/Consent_Judgment_BoA-4-11-12.pdf

Chase Bank mortgage loan mod help page in getting started and Chase Bank Consent Judgement under the National Mortgage Settlement:
https://www.chase.com/mortgage/mortgage-assistance/get-started
https://d9klfgibkcquc.cloudfront.net/Consent_Judgment_Chase-4-11-12.pdf

Citibank homeowner assistance with loan mod help when having trouble making payments and the Consent Judgement under the National Mortgage Settement:
https://www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do?page=troublepayment
https://www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do?page=settlement

Nationstar Mortgage (Mr. Cooper) Homeowner assistance when seeking loan mod help:
https://www.nationstarmtg.com/documents/HomeownerAssistance_docs/DS110_Mortgage_Mod_Checklist_v10.pdf

Ocwen Customers who are seeking loan mod help and what documents are needed and where to send:
https://www.ocwencustomers.com/T001/modificationPkg.action

Wells Fargo customers who want loan mod help can complete one of these two packages for assistance and the Wells Fargo Consent Judgement:
https://www.wellsfargo.com/mortgage/jump/home-preservation-1 (for non-Fannie Mae and non-Freddie Mac owned loans)
https://www.wellsfargo.com/mortgage/jump/home-preservation-2 (for loans owned or guaranteed by Fannie Mae or Freddie Mac)
https://d9klfgibkcquc.cloudfront.net/Consent_Judgment_WellsFargo-4-11-12.pdf

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