Mortgage Assistance and Repayment Options

Contact Us

Call Monday - Friday, 7 a.m. to 7 p.m. Central Time. When you call, be prepared to provide:

  • A brief explanation of your situation.
  • A detailed list of your household expenses.
  • Proof of household income (recent pay stubs, tax returns or profit-and-loss statements).
  • Completed borrower response packages may be faxed to 877-903-6972.

The Making Home Affordable Program

This program has two different options for homeowners - one for loan modification (HAMP) and another for refinancing (HARP). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives (HAFA).

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HAMP Modification

This modification program adds delinquent interest, escrow items and foreclosure fees and costs (if applicable) to your unpaid principal balance, which is re-amortized over a new term. This will:

  • Bring your account up to date immediately.
  • Change the terms of the mortgage note for a fresh start in managing your home mortgage.

Find out if you're eligible for a Home Affordable Modification.

HARP Refinance

This program, which is only available on Fannie Mae or Freddie Mac mortgage loans, allows you to take advantage of lower interest rates by refinancing your existing mortgage loans, even if the balance is greater than the value of your home. This will:

  • Lower your interest rate and monthly mortgage payment.
  • Save money and your home by lowering your interest rate.

Find out if you're eligible for a Home Affordable Refinance.

Our Complaint Process

If you have a complaint about your loan regarding, or related to, our loss mitigation foreclosure alternatives process or our foreclosure process, please direct your complaint, along with the name of each borrower and the loan number, to U.S. Bank Home Mortgage, 17500 Rockside Road, Bedford, OH 44146, attention: Escalation Center.

Determine Your Repayment Options Online

To build a repayment plan that's right for you, please log in to your U.S. Bank Home Mortgage Account.

  • To talk to a loan counselor about delinquent payments:
    • Call Default Counseling at 800.365.7900.
  • For free or low-cost general advice about buying a home, renting, default or avoiding foreclosure:
    • Contact a housing counselor at the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287.

Options for Retaining Your Home

We offer several options to help you retain your home. To determine which might best suit your needs, please review the following:

Repayment Plan

A repayment plan allows you to pay your regular monthly payment plus additional funds applied to past-due amounts. Payments are distributed over an agreed-upon period of time.

This option may work for you if:

  • You can afford your regular monthly payments and other expenses.
  • You have surplus funds at the end of the month.

Hardship Loan Modification

This option allows you to roll interest and escrow shortage from delinquent payments into the existing loan. You may qualify for an interest-rate reduction to have the term of the loan extended.

This option may work for you if:

  • You can afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses.
  • You don't have substantial funds left at the end of the month.

Partial Claim

With a Partial Claim option, funds are advanced to bring your mortgage current. A second lien is held on your property in the amount of the advance. You will have to sign a Promissory Note, which means your delinquent payments are due and payable at the termination of your first mortgage. Your account is immediately brought current upon approval of Partial Claim (also called Second Lien Advance).

This option may work for you if:

  • You have an FHA-insured loan or a loan for which U.S. Bank is the investor.
  • You can afford your regularly monthly mortgage payment and other monthly expenses.
  • You don't have additional funds left at the end of the month.
  • You can't afford a slight increase in payment.

Options Regarding Selling Your Home

If you face the possibility of selling your home, ask yourself the following before starting the process:

  • Are you prepared to sell your home?
  • Are you unable to recover from a situation that caused you to fall behind on your mortgage payments?
  • Are you unable to afford your regular monthly payment and have no means to catch up on delinquent payments?

If you decide to sell your home, consider the following options.

Short Sale

In a short sale, the lender agrees to discount the loan balance due to hardship. The home is sold but proceeds fall short of the balance owed.

This option may work for you if:

  • You can't afford your regular monthly payment and expenses.
  • You are interested in selling your home, which is worth less than you owe.

Deed in Lieu of Foreclosure

This option allows you to deed your home back to your lender or investor instead of facing foreclosure.

This option may work for you if:

  • You can't afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses.
  • You don't have substantial funds left at the end of the month.

Home Affordable Foreclosure Alternative (HAFA)

  • HAFA provides additional options to avoid foreclosures and offers incentives to borrowers who utilize a short sale or deed-in-lieu (DIL) to avoid foreclosure.
  • HAFA alternatives are available to all HAMP-eligible borrowers who:
    • Do not qualify for a Trial Period Plan;
    • Do not successfully complete a Trial Period Plan;
    • Miss at least two consecutive payment during a HAMP modification; or,
    • Request a short sale or DIL.

A program summary and contact information can be found in the HAFA Matrix.

Work with a dedicated advisor. For people with $100,000 or more to invest.

Find an Advisor

U.S. Bank has partnered with Hope Loan Port to help provide free mortgage assistance to you. To apply online for assistance please visit

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