The Regions dedicated mortgage payment assistance team is prepared to assist you. We want to keep you in your home.
We can help you determine which solution is best in a time of hardship, whether it’s temporary or long-term circumstances. Please call us to discuss your situation at 1-800-748-9498 anytime between 7:30 a.m. and 8 p.m. CT Monday through Thursday and Friday 7:30 a.m. to 6 p.m. CT or on Saturdays from 8 a.m. to 12 p.m. CT.
If you have experienced a short-term financial difficulty but are now in an improved financial situation, a repayment plan may be a good option for you. A repayment plan may allow you to make regularly scheduled payments, in addition to a portion of your past-due payments, to bring your loan current. This option may affect your credit.
| Relief of Debt | |
|---|---|
| If you are not interested in maintaining ownership of the property, and need debt relief, your options may include: | |
| Temporary Forbearance While Selling Your Home | A listing agreement is required to request this option and determine eligibility. |
| Pre-Foreclosure Sale (Short Sale) | If you can no longer afford to keep your home, a short sale may be an option to avoid foreclosure. This allows you to sell your home for less than the outstanding balance of your loan and may satisfy your debt (though not always). |
| Deed-in-Lieu | With a deed-in-lieu of foreclosure, you would transfer ownership of your home to Regions voluntarily to avoid foreclosure. |
If you would like to get started now, please call 1-800-748-9498 or complete the Mortgage Assistance Application. If you choose to complete the Mortgage Assistance Application, you will enable us to consider all available options to help you find the best solution for your situation. However, if you elect to call us, we can provide information about certain options that may be offered by the owner of your loan with little or no documentation, subject to eligibility requirements. Once you have completed the form, you can submit it to us in one of the following ways and a Regions representative will contact you within approximately 3 – 5 business days.
| Login to: | MyMortgage to apply for assistance online |
| Mail to: | P.O. Box 18001 Hattiesburg, MS 39404-8001 |
| Fax to: | 1-800-256-7200 |
For help exploring options, Department of Housing and Urban Development provides contact information for housing counselors at hud.gov or by calling 1-800-569-4287. In addition, this information can be found by accessing the Consumer Financial Protection Bureau. NeighborWorks® provides foreclosure solutions, both online or by calling 1-888-995-4673 for more information.
For assistance in your preferred language, information regarding free-to-use interpretive services can be found at Interpretive Services | Federal Housing Finance Agency (fffa.gov)
You may also be eligible for the Department of the Treasury’s Homeowner Assistance Fund (HAF), which is administered by state governments or agencies. More information regarding the HAF Fund is available from the National Council of State Housing Agencies at Homeowner Assistance Fund — NCSHA.