Mortgage Assistance Application FAQ

An initial decision usually happens less than 30 days after we receive all required application documents.

After we’ve reviewed your application and learned more about your financial circumstances, we can usually offer help options within a few weeks. In some cases, you may need to make trial payments for a few months.

You’ll receive email updates about your application status, and you could also receive calls or text messages.

The borrower portal (your online account) contains updates regarding:

• The status of your application review

• The status of any documentation requested from you

• Next steps and timelines for each assistance process milestone

If your loan status allows and you’re financially able, it’s always best to make any payments you can. This will reduce the amount you'll need to repay later.

You can make fee-free payments online, through the U.S. Bank Mobile App or by calling 800-365-7900.

First, you’ll need to send a written request that briefly explains the situation and includes these documents:

• Certificate of trust or beneficiary deed showing ownership of the home 

• Deed record, which includes county

• Death certificate 

Mail to:

U.S. Bank, Attn: Successor in Interest
PO Box 21948
Eagan, MN 55121

Or fax to: 877-903-6972 

Next, we’ll mail you a Potential Successor in Interest form to complete and return. We’ll review it, request additional information if needed and then formally establish you as the Successor in Interest. You'll then be able to apply for mortgage assistance, which may require submitting an application.

If your ex-spouse is listed on the loan note, they’ll need to sign the modification documents.

If they’re not on the note, you can provide one of the following instead:

• A county-recorded quit claim deed showing they’ve been removed from the property
• A divorce decree filed with the court that states who was awarded the property

In most cases, we’ll update your new loan terms a few weeks after we receive your final loan modification documents. We’ll start sending billing statements right away, but even if you haven’t received one yet, it’s important to resume making monthly payments. 

To help stay on track in the future, you can enroll in our free autopay service in your online banking account. (Make sure to pay any past-due bills before attempting to enroll in autopay.)

We recommend e-signing your documents. It’s fast, free and convenient, and it ensures that your documents are completed correctly the first time. Enroll during the mortgage assistance application process or, if you’ve already completed your application, by calling us at 855-698-7627.

If you don’t enroll in e-sign or your approved mortgage assistance program requires physical signature, paper documents will be mailed to you for signature and notarization along with a return label for you to send them back.