Lost in Foreclosure

Foreclosure Help - Government Help - They Don’t Care About Home Owners

jamar — Tue, 13 May 2008 05:38:09 +0000

Barrack Obama, Hillary Clinton, John McCain, who’s going to help American Homeowners who are loosing there home to foreclosure. There is relief for victims of a Chineese Earth Quake, Disaster of Myanmar, Tonadoes in the United States, these are all tragedies that have taken many lives. It appears our government has plenty of money for special circumstances, and currently our housing market in the United States, is special circumstances. Homeowners are loosing there homes daily, nationwide, and our government is having a hard time to make a decisions. The thoughts are Homeowners should help themselves, which is understandable if it was only affecting those borrowers who were speculating. We have seen how housing has had a domino effect on the U.S Economy, we are not sure if it has effected the War on Iraq, but homeowners are going to have a hard time recoverning when food prices are dramatically rising, Oil is at 4.00 dollars a gallon.

When is the housing market going to get government help? Maybe never, well savehomewish.com may be a lucky homeowners answer, other then that, I wonder what the new president is going to do for us.

Homeowners In Trouble - Mysterious Website Granting Wishes to Those with Foreclosure Trouble

jamar — Thu, 08 May 2008 18:01:08 +0000

Mysterious Website Granting Wishes to Those with Foreclosure TroubleNation Wide Help- Ask thousands of American homeowners to name their single greatest wish this year and many would tell you they would like to save their homes from the grip of foreclosure. Thanks to a new website, a fortunate few homeowners are having those wishes granted. As record foreclosure numbers loom nationwide, SaveHomeWish.Com is anonymously granting one wish per month to homeowners at the end of their financial ropes. To enter a wish at www.savehomewish.com, users simply enter basic contact information and select the specifics of their wish, including options for catching up a mortgage payment or escaping foreclosure and selling a home. Then, once a month, one very lucky homeowner gets rescued from their mortgage problems. Arizona Short Sale Office, a Phoenix firm specializing in foreclosure help has donated wishes to homeowners selected through SaveHomeWish.Com. Jamar James, managing member of the firm said his firm has been able to grant the wishes of those needing to get funds to save there home. “We’ve very much enjoyed working with SaveHomeWish.Com. Our firm’s mission is to provide effective foreclosure options to homeowners in distress, so this project fits right into our way of doing things,” said James. Although little information about the origin of and the selection process at SaveHomeWish.Com is available to the public, it is known that the website works in conjunction with Real-Estate-Foreclosure-Help.Com, a firm specializing in foreclosure relief for homeowners nationwide. James said the idea of making homeowners’ wishes come true is welcome relief from the current foreclosure crisis, adding that many homeowners end up facing worse problems simply because they ignore the problem of missed mortgage payments and mounting late fees for too long before they take action. “The most important thing homeowners can do to save their homes from foreclosure is to act quickly, before the problem becomes even more severe,” said James.For more information about making a wish to avoid foreclosure, visit www.savehomewish.com . For information on other options available for homeowners facing foreclosure, visit www.real-estate-foreclosure-help.com or call 1-800-827-0692.

Foreclosure - 3rd Party Negotiator - What They Know That You Don’t?

jamar — Tue, 15 Apr 2008 06:29:56 +0000

As a managing partner of Real Estate Foreclosure Help also known as http://real-estate-foreclosure-help.com we understand and explain to homeowners the banks point of view. I have seen it first hand, homeowners becomes so frustrated calling the bank, that they simply give up. When hiring a 3rd party negotiator to contact the bank, the results are just a tad different, unless you reach a 3rd world country..(thats another blog entirely.)

When a 3rd party negotiator contacts your lender there is two things going, one the lender understands that they will not receive any money without placing the terms in writing, secondly, the actual mitigator does not know if the party has been hired to check out the quality of the customer care. When most homeowners call they are lacking normally two things, patience and understanding of how the mitigator process works. This in turn causing anxiety and frustration in there tone, resulting in a “conflicted” conversation of a mitigator that is usually over worked and underappreciated. What happens at your job when you get an angry customer, and you feel you are over worked and underappreciated? When you help someone, even if is doing your job, you want to feel appreciated. That’s the same way that mitigator wants to feel when they are doing there job.. On the flip side, doesn’t the bank want to help people? No not really, the banks you must remember wants to make money or save money, caring about the homeowners, simply is not there business.

Customers feel that banks are not prepared to help them, if they were they would have a much smoother process, the truth is, what banks want to admit that they have an entire department for BAD LOANS? That is pretty hard to explain to the investors who were sold on making money off of the loans.

There is so much more information to working with the lenders then the normal. Most professionals are media outlets states just give your lender a call, and try to work out a plan? yeah right, I wonder how many times they tried to get through or how long they have been on hold.

Maybe they should tell the homeowners the normall hold time for bank such as country wide, ocwen, asc, chase, could be up to 45 minutes to an hour and a half.

contributed by help@real-estate-foreclosure-help.com

Home Owners Try Everything Imaginable to Get Out of Foreclosure – Lenders, Neighbors and Police Beware of Homeowners Willing to Try Anything To Avoid Foreclosure.

jamar — Wed, 02 Apr 2008 06:05:44 +0000

Top Ten Ways To Avoid Foreclosure.
(Ideals contributed by homeowners loosing there homes)
(For Entertainment Purposes it Gets Better As You Read)

Homeowner 1: Avoid Paying Your Mortgage Payments, Get Insurance, My Home Mysteriously Burns Down.

Homeowner 2: I Am Going To Make My Mortgage Payments If It Kills My Wife! Man try’s to pay house payments, by accidentally killing his wife for life insurance money!

Homeowner 3: Family meeting is called and it’s decided that the family should get insurance on BOTH pets “Melody and Waldo,” and suddenly dog’s simultaneously accidentally eats rat poison.

Homeowner 4: Family buys all new furniture, places the furniture in storage, and goes on vacation and returns home to find that they have been burglarized for all of their new furniture and sues Alarm Protection Company for the reinstatement amount owed on the house.

Homeowner 5; Homeowners stops auction by placing lawsuit against the collection department for cruel and unfair collection procedures when banks attempts to recover 12 months of missed payments.

Homeowner 6: Homeowner states home in foreclosure is haunted and files counter claim stating that his payments will be made once the lender evicts the spirits that live in the house.

Homeowner 7: Homeowner get’s mental disability insurance, and state that the collectors are driving him crazy.

Homeowner 8: Homeowners flies to lender’s corporate headquarters and set’s up a tent and begin camping outside protesting “When You Foreclose On My House, I Will Bringing My Home To Your Office.” A newsworthy story sure to get you noticed.

Homeowner 9: Homeowner states, If you’re behind on payments a notice of trustee sale must be posted on the subject property, change your address with your neighbor’s permission. Foreclosure Notice on the Wrong House, Means They Can’t Foreclose on the Wrong House.

Homeowner 10: Posts ads on craigslist, house is in foreclosure and invites every contractor to a home shopping spree. Homeowner Sales the frame of the home, windows frame, ceiling fans, appliances, door frames, doors, electrical, and all plumbing’s, then sends lender photos of the home stating that the home is in terrible condition and they shouldn’t foreclose.

Crazy Ideals to Help You during the Foreclosure Process!

Created by crazy homeowners losing their homes.

Dont try any of these solutions to avoid foreclosure or you may end up in jail!

What is A Deed In Lieu of Foreclosure - How Does A Deed In Lieu Work?

jamar — Sat, 29 Mar 2008 20:10:00 +0000

Courtesy of Arizona Short Sale Office.

Deed In Lieu of Foreclosure Arizona Short Sale Office will negotiate with your lender to accept and allow YOU THE HOMEOWNER to sign your home back over to the bank rather than allowing it to go into foreclosure and allow your debt to be forgiven. It’s a win-win situation for the lender and the borrower since the lender will avoid the complication and expense of foreclosure and the borrower avoids the outcome of foreclosure and quite possibly bankruptcy. Although no one really wins in the true sense of the word, a deed in lieu of foreclosure is sometimes the best option when mortgage payments can no longer be paid Do I Qualify for a Deed in Lieu of Foreclosure?To qualify for a deed in lieu of foreclosure, your home must be on the market at current market value. This shows loan company investors you are trying your best to satisfy the debt instead of trying to dump a financial burden without trying to sell. Typically the home must be on the market for 90 days before a deed in lieu of foreclosure can be finalized, and the home must be uninhabited to complete the process. In addition, your income must meet the criteria set by your lender. If it is determined you can afford to make the payments, you will have to continue trying to sell the home, and a deed in lieu of foreclosure will not be an option. If you are suffering a temporary setback, a forbearance might be an acceptable alternative to help you get back on track.

What Information Will My Lender Require for a Deed in Lieu of Foreclosure?When we contact the lender for the very first time regarding an inability to pay, we will need to speak to a customer service representative in the workout department. They will ask what caused your current financial situation, and they will predetermine whether or not you are a viable candidate for a deed in lieu of foreclosure or another option to get you out from under unaffordable mortgage payments. Once we deem you are eligible for a deed in lieu of foreclosure, your lender will require a copy of the listing contract from our realtor, copies of current pay stubs, and a list of monthly bills.

Submitting A Good Hardship Letter To Your Lender

jamar — Sat, 29 Mar 2008 20:06:13 +0000

Courtesy of the Arizona Short Sale Office in Phoenix Arizona.

I thought this was good information of how to submit a good Hard Ship Letter to your lender. If you are attempting to modify your loan, or placed in a foreberance with your loan, here are a few tips for a good hardship letter submittal.

Hardship Letter Submission The reality is lender’s really don’t care what the person’s situation is, they simply want their money. The best option, regardless, is to have the Arizona Short Sale Office contact the lender by phone and explain the situation so as to learn what the lender’s policy is in such matters. A letter will likely get a response of “call this number” or something similar if indeed there is a response at all. If the party chooses to make the initial contact by mail the best option is to keep it brief and to the point. Explain why it is not possible to comply with the original terms of the agreement, and request modification of the obligatory terms until one’s financial situation improves. Our Experience Staff knows what point to touch on to get your lender to respond favorably to your Hardship Situation. Arizona Short Sale Office MAKES the hardship letter process easy, the hardship letter only works with collection agencies in the event of accepting a small partial payment arrangement or to get a lower settlement percentage that the original creditor allows your letter to be sent to the collection agency and convince the original creditor cut you some slack. The basics of the letter are anything out of the ordinary that would be causing you financial distress. Good examples: you lost your employment and you are in danger of losing your home, any medical complications that would prevent you from maintaining employment, drastic decrease in salary, fixed income, and single parent w/out child support. If you are a disaster victim the original creditor will already try to cut you a deal and you will be notified. Bad examples: you are a student, you are overextended, divorce, legal issues, and threatening to file bankruptcy. Remember that hardship letters do not resolve your debts. Basic Hardship Letter Breakdown 1. your hardship. 2. your offer to resolve your debt. 3. thanking them for their time. 4. your current contact information. We have the experienced staff that will send your Hardship Letter to the lender the most effective ways. Your letter will be sent by either fax or mail preferably certified.

Arizona Short Sale Office - Local News

jamar — Sat, 22 Mar 2008 07:41:17 +0000

Arizona Short Sale Office, LLC one of the top foreclosure assistance companies in Arizona, recently was interviewed by Chanel 12 News about the vacant home problems, and how it would hurt homeowners and help with there negotiation process. http://www.azcentral.com/12news/news/articles/vacanthomes03072008-CR.html Marc Slavin, managing member of the Arizona Short Sale Office, LLC stated that the vacant homes in Arizona would actually help assistant when negotiating with the lenders, unfortunately it hurts homeowners who are currently living in the neighborhood. Vacant Homes in Arizona are becoming a big problems as many of those homes in the neighborhood are starting to effect all the homeowners negatively. Marc Slavin stated you should contact the lender and let them know about the vacant homes, as they will come out and clean up the homes. In most cases it will take the bank between three and sixth months to check on the home, due to the amount of foreclosures going on in Maricopa County.

Foreclosure Company Help’s Arizona Homeowners Avoid Foreclosure

jamar — Sat, 22 Mar 2008 07:34:43 +0000

With thousands of companies stating that they can help you avoid foreclosure, Arizona Short Sale Office, LLC meets with over 100 homeowners a week, and gives those homeowners hope that there is true foreclosure assistance for homeowners facing foreclosure. With a variety of websites and do it your self information, the Arizona Short Sale Office, LLC actually provides real life references to the homeowners that they have helped. As seen on chanel 12, http://www.azcentral.com/12news/news/articles/vacanthomes03072008-CR.html Arizona Short Sale Office, has been providing there input all over the Valley to help homowners out of Foreclosure.

You may reach the Arizona Short Sale Office through the 24 Hour Answering Service at (800)-827-0692

Successful short sale negotiation may prevent the homeowner’s need for a foreclosure or bankruptcy.

jamar — Wed, 12 Mar 2008 21:38:54 +0000

A short sale can satisfy a loan balance in full and have no adverse effects on a person’s credit file. Pre-Foreclosure “Short Sales” are a negotiated settlement or workout wherein the Lender, having considered a formal proposal from The Arizona Short Sale Office consistent with their internal criteria, agrees to accept less than the full payoff amount due from You (Borrower). The bottom line is a “Short Sale” workout program permits a qualified homeowner to sell a property irrespective of the amount owed and to settle for less than what is owed to the Lender/Mortgage company. They do this as an alternative to the expensive and time consuming process of foreclosure. Each mortgage company has their own set of processes through which they decide whether or not to accept a short sale, and while there are many similarities, each has its own requirements for approval. The Arizona Short Sale Office acting as a third party mediator has a distinct advantage in negotiating with your mortgage company. We have developed an effective and streamlined solution to working out Short Sale transactions. We have the capability along with the knowledge that can assist the homeowner in getting a successful Short Sale approval. Many homeowners have experienced inflexibility from their bank/lender. We get the bank/lender to listen to your needs simply we are a third party company contacting the bank on your behalf. We have verified your situation and the bank realizes that the information is coming from a secondary source. Our experience gives us credibility with many lenders. We’ve developed working relationships with key people in the pre-foreclosure and loss mitigation departments at most banks/lenders. Our integrity and professionalism allows us to be heard when no one else can. We use our experience and connections to the homeowners advantage. The Lender may accept, reject, or make a counter offer to our Proposal. But it does not end there. Just fill out the forms and documents that we provide for you. Among them will be a Short Sale Hardship package that must be completed in full. These are the requirements for considering and approving a Short Sale. Once they are completed and given back to us we will start your case immediately. If the request is approved, appropriate documents will be forwarded for your signatures. Terms must be agreeable to You, (the Seller) and the decision to proceed will be Yours. A successful “Short Sale” negotiation requires extraordinary professionalism from your real estate broker; and cooperation from you the Owner, The Buyer, and the Lender and will prevent the homeowner from going into a foreclosure which will have a 7 year statute of limitations on it and any homeowner having a foreclosure on their record will find it extremely difficult if not impossible to get a mortgage financed during that period of time. A successful Short Sale will also prevent the homeowners need to file bankruptcy which has a statute of limitations for 10 years on a person’s credit record for that period of time. A successful short sale can satisfy a loan balance in full and have no adverse effects on a person’s credit file. Hence The Short Sale solution. The Arizona Short Sale Office will keep you updated on the progress of your case. Our dedicated staff continually updates all clients throughout the entire Short Sale process. We are always available to answer any questions, call or email us at any time.

Arizona Short Sale Office, LLC
4909 E McDowell Road
Phoenix AZ 85008

Office Number (602)535-1392

Banks Have Begun Negotiating With Home Owners?

jamar — Wed, 12 Mar 2008 21:29:19 +0000

It’s official, the banks are becoming easier to work with more and more. In the past, the banks have given the cold shoulder to homeowners facing foreclosure. Beginning January 1st, 2008, lenders became easier to work with once you get pass the third world call centers. One of homeowners biggest opticals is getting past the banks collections centers. If you have every been on hold with Country Wide collection departments, you have probably experienced, please hold for 35 minutes, and suddenly, you and recording comes on in about 25 minutes and let’s you know that your new hold time is 135 minutes? We speak with frustrated homeowners on a daily basis, and we give them information to surpass these “irritations.” If you are behind on payments, the last thing you want to experience is sitting on hold for an hour and thirty minutes just to be transferred to another collections department here in America. Courtesy of the Arizona Short Sale Office (www.ArizonaShortSaleOffice.com) Here is a list of numbers that may help you get through to a LIVE person.
ABM AMRO Mortgage (800) 783-8900
Web: https://www.mortgage.com/C3/application.bus

Accredited Home Lenders(877) 683-4466

AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
Web: https://www.myamcloan.com/malwebapp/begin.do

American Home Mortgage Corp.(877) 304-3100*

Ameriquest Mortgage (Debt collection — see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
Web: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx

Avelo Mortgage LLC (866) 992-8356*

Bank of America(800) 846-2222

BB&T Mortgage (800) 827-3722*

AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422*

Charter One (800) 234-6002

Chase (800) 548-7912
Loss Mitigation (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number: (866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon

For SUBPRIME ONLY (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number:
(866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
— Subprime Letter of Authorizations Fax: 1-877-287-7559.
—Subprime Workout Packages Fax: 1-888-219-7813.

For Prime Loans: 1800-446-8939
Prime Letter of Authorization & w/o packages Fax: 614-422-7259

Chase Home Finance (800) 848-9136 (customer service)
(858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*

Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)

Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)

Citi Financial Mortgage (800) 753-3673

Citimortgage (800) 283-7918

Countrywide (800) 262-4218
https://customers.countrywide.com/se…t_login254.asp

Here is some contact info I have for Countrywide. Keep in mind these numbers and address may only be good if you live in CA.

Mailing address: (Send all your certified complaint letters, etc. here.)

Contrywide Mortgage
400 Countrywide Way SV-HRD
Simi Valley, CA 93065

Toll free direct number to Workout Dept. in Lancaster, CA:
866-806-8692 (extension 8692 if your negotiator is M. A. Hernandez)

Direct number to Workout Dept. in Lancaster, CA:
661-951-5100
(not toll free but gets you right in)

Address: 400 Countrywide Way SV-314
Simi Valley, CA 93065-3500 Other Addresses: 400 Countrywide Way SV-314
Simi Valley, CA 93065-3500
450 American St
Simi Valley, CA 93065
7105 Corporate Dr.
Plano, TX 75024
P.O. Box 10211
Van Nuys, CA 91499
P.O. Box 5170
Simi Valley, CA 93062-5170
21 E. Victoria Street
Santa Barbara, CA 93101
35 North Lake Avenue, 35-72B
Pasadena, CA 91101

Primary Phone: (800) 669-6093 Other Phone Numbers: (800) 669-6093
(818) 874-8779
(818) 225-3000
(972) -52-6-6330
(805) 650-6566
(805) 520-5100
(800) 686-0145

Primary Fax: (800) 658-9364 Other Fax Numbers: (800) 658-9364
(805) 520-5019

Primary Contact: Daniel Whitehead
Executive Relations Corodinator Other Contacts: Daniel Whitehead
Executive Relations Corodinator

Joe Riggio
Senior Vice President

Angela De Aro
Vice President

Gail Shelly

Melissa Guerra
1st Vice President

patricia mckenzie

Rina Jariwala
VP, Operations

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp

EverBank (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Amy Fleitas
Executive Offices (Loan Servicing)
1-319-236-4766 (in her letter she states this is her direct number) she also provides
1-800-206-2901 ext. 2364766 (they must have alot of ext.)

Loss Mitigation area
Lauren Koos 1-214-874-6138

another address:
PO Box 205
Waterloo, IA 50704-0205
also:
3451 Hammond Avenue
Waterloo, IA 50704

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489

HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web:http://us.hsbc.com/personal/mortgage/existing/difficulties.asp

Huntington National Bank (800) 323-4695

Indymac Bank (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp

Irwin Mortgage (888) 218-1988
P.O Box 7014
Pasadena, CA 91107
Web: https://www.irwinmortgage.com/wps/portal/!ut/p/cxml/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4g3sdAvyHZUBAAqwx 9c
E-mail: deliquency.prevention@irwinmortgage.com

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp

Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp

Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com
Web: http://www.mlnusa.com/customers/info_credithelp.asp

Mortgage Electronic Registration Systems (888) 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner’s Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)
Web: https://myloan.newcentury.com/webapps/servicing/myloans/index.do

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm

Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp

Option One Mortgage
Home Retention Contact Center
6501 Irvine Center Drive
Mail Stop BAT
Irvine, CA 92618
US Phone number 1-800-704-0800 or 800-505-3706

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518
Web:https://www.phhmortgage.com/sso/mq/login.jsp?TYPE=33554433&REALMOID=06-9153316d-cf4d-4425-a5d7-c0b20a7b098d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGE NTNAME=phhmort-stb&TARGET=$SM$https%3a%2f%2fwww%2ephhmortgage%2ec om%2fhome%2flandscape%3fjpid%3dLogIn%26loginmode%3 dregistered&SMSESSION=NO

ResMae Mortgage Corp.(877) 473-7623, ext. 5944

Saxon (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)
Web: http://www.spservicing.com/services/customer/loanresolution.htm

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfirld Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am – 10 pm EST Monday – Thursday)
(7 am – 9 pm EST Fridays)
(8 am – 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com
Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx