No matter the reason, we’re here to help.

If you’re having trouble keeping up with your mortgage payments, you may qualify for an assistance plan (forbearance). The assistance plan could include suspended payments for up to 180 days with no late fees during the forbearance. Your account will be reported as current and on a forbearance to credit agencies, which will not have a negative impact your FICO score. We will also provide a Relationship Manager who will support you throughout your plan.

Get started on a mortgage assistance plan.

If you have an online account, log in and select Mortgage assistance from your dashboard.

Log in

If you do not have an online account, we’ll gather some info and explore your mortgage assistance options.

U.S. Bank Mortgage Help

You can also start the mortgage assistance process by texting us. We’ll gather some information and see which plan could work best for you.

Text “Mortgage help” to 866-809-4182.

As always, we’re happy to work with you over the phone. However, we’ve had an increase in calls leading to long wait times. We encourage you to take advantage of the online mortgage assistance process.

  • To talk to a loan specialist about delinquent payments, call Default Counseling at 800-365-7900, Monday–Friday, 8:00 a.m. to 5:00 p.m. (CT) and Saturday, 9:00 a.m. to 2:00 p.m. (CT).
  • 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 that could 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.
 

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.
 

Our complaint process

If you have a complaint about 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 Complaints, PO Box 211529, Eagan, MN 55121.