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U.S. Bank is dedicated to educating customers on all mortgage assistance options available to them. If you believe foreclosure on your home is imminent, please contact us immediately.
Call Monday – Friday, 7 a.m. to 7 p.m. Central Time. When you call, be prepared to provide:
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.
To build a repayment plan that’s right for you, please log in to your U.S. Bank Home Mortgage Account.
We offer several options to help you retain your home. To determine which might best suit your needs, please review the following.
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 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.
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).
If you face the possibility of selling your home, ask yourself the following before starting the process:
If you decide to sell your home, consider the following options.
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 allows you to deed your home back to your lender or investor instead of facing foreclosure.
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).
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:
Find out if you’re eligible for a Home Affordable Modification.
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:
Find out if you’re eligible for a Home Affordable Refinance.
Equal Housing Lender
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.
You can always call us for further information on the mortgage application process and to find out about the wide variety of mortgage products offered by U.S. Bank Home Mortgage.