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 2022 (originally in 2014 that may be help when trying to get a loan modification that is affordable https://www.nclc.org/issues/foreclosure-and-mortgages.html#:
(former link for 2014 no longer active: http://www.nclc.org/foreclosures-mortgages/new-cfpb-mortgage-servicing-rules-part-1-error-resolution-force-placed-insurance-periodic-statements-other-servicer-duties and http://www.nclc.org/foreclosures-mortgages/new-cfpb-mortgage-servicing-rules-part-2-loss-mitigation-procedures)
The Independent Foreclosure Review page that allows an neutral third party review of a servicer initiated foreclosure as administered by The Office of the Comptroller of the Currency (OCC) and the Board of Governors of the Federal Reserve System (Federal Reserve) the federal banking regulators that oversaw the Payment Agreement process:
http://www.independentforeclosurereview.com/
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 updated 2022:
https://ww3.freddiemac.com/loanlookup/
Freddie Mac Flex Modification updated 2022:
https://my.sf.freddiemac.com/servicing/flex-modification
(expired 2017): http://www.freddiemac.com/learn/pdfs/service/std_strm_mod.pdf (Freddie Mac Standard and Streamlined Modification Reference Guide
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
Guidelines on loan modification steps:
https://www.fanniemae.com/here-help-single-family/fannie-mae-flex-modification
Legacy links no longer working: 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
Most Recent MHA HAMP Handbook version 5.3 published 2019:
https://www.hmpadmin.com/portal/programs/docs/hamp_servicer/mhahandbook_53.pdf
(expired 2016):
https://www.hmpadmin.com/portal/resources/advisors/escalation.jsp
MHA HAMP Handbook version 4.4 published in 2014: 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
