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Help for Homeowners

We've helped thousands of homeowners with their home loan assistance needs. We'll review your situation and find a program that's right for you.

How to apply for a Loan Modification

To get started on your homeowner assistance request, please download and fill out the Homeowner Assistance Form and then fax or mail it back to us.

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Homeowner assistance request in process?

Log in to view the status and upload documents.

Compare Programs

Homeowner Assistance Programs How You Qualify

State Programs

Many states offer financial assistance programs. The Hardest Hit Funds (HHF) program is currently available in multiple states.

Choose your state from the drop-down box below to view program contact and website information. Please note that not all states provide assistance programs; if your state is not included in the drop-down list, we do not currently have contact information available or a state program does not exist. Each participating state determines eligibility, level, and length of assistance for its program. The list of states is subject to change.

Ocwen Loan Modification (1st Mortgages and 2nd Mortgages)

If you have a temporary reduction in income or an increase in expenses, a loan modification may help lower your monthly mortgage payment and get you back on track.

Qualifications for all loans
  • You are or have experienced a hardship and will sign an affidavit of financial hardship.
  • You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
  • You can provide copies of your most recent tax returns or a signed Form 4506T.
  • You have less than $25,000 in cash reserves.

Additional Qualifications

For First Mortgage Primary Residences only
  • Your home is occupied.
  • You are current and are at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
For First Mortgage Investment Properties only
  • Your investment property is occupied. Note: Loans for Vacation Homes or Second Homes are not eligible for a modification under this program.
  • You are at least three payments behind.
  • The rental income is comparable to the current market rate.
  • Your loan has not been modified since December 1, 2010.
For Second Mortgages only
  • You are current and at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.

Learn more about Ocwen Loan Modification Program (First Mortgage)

Learn more about Ocwen Loan Modification Program (Second Mortgage)

Qualifications subject to product type and state laws

Home Affordable Modification Program (HAMP)

Avoid foreclosure and keep your home. This program was designed to make your payments affordable now and sustainable over the long term.

All HAMP loans begin with a trial period which may become a permanent loan modification.

  • You owe less than $729,750 on your mortgage
  • You closed your loan on or before 1/1/2009
  • Your mortgage is for your primary residence
  • You've fallen behind or are about to fall behind on your mortgage payments
  • You have a verifiable source of income to put towards a mortgage payment each month, even if that income has recently been reduced
  • You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship
  • You have not previously modified your mortgage under the Making Home Affordable program.

You can learn more about the federal government's Making Home Affordable programs at makinghomeaffordable.gov.

Note: Mortgages on second homes, vacant homes, and investment properties are not eligible for modification under this program. However, we may have other programs that apply to these types of properties.

Short Sale

If you owe more than your home is worth (its current market value), a Short Sale may be a good option for you. In a Short Sale situation, when you sell your home, your lender agrees to accept an amount less than the total due on the loan.

  • You owe more than your home is worth
  • You have a hardship
  • You cannot afford your current monthly mortgage payments

Learn more about Ocwen Short Sales

Deed in Lieu

If other options like Short Sale haven't worked, you may be able to voluntarily transfer ownership of the property to your lender to avoid eviction.

  • You have a hardship, such as unemployment or divorce
  • You're unable to afford your current mortgage payment

Learn more about Ocwen Deed in Lieu

Home Affordable Foreclosure Alternatives (HAFA) — Short Sale

With this government funded program, you may be able to settle your mortgage debt and avoid foreclosure. Plus, you may receive $3000 at closing to help with moving costs.

  • You didn't qualify for HAMP
  • You have a hardship, like unemployment or divorce
  • Your loan is less than $729,750
  • You closed on/before 1/1/2009

Learn more about HAFA Short Sale

Home Affordable Foreclosure Alternatives (HAFA) — Deed in Lieu

If you qualify, you may be able to sign your home over to Ocwen through this government-funded program. If you weren't able to sell your home through a HAFA Short Sale, signing over your deed gives you another option to avoid foreclosure. And you may receive a check for $3,000 at closing to help you with moving costs.

  • You don't qualify for HAMP
  • You couldn't sell your home through a HAFA Short Sale
  • Your loan is less than $729,750
  • You closed on/before 1/1/2009

Learn more about HAFA Deed in Lieu

What to Expect

When you apply for homeowner assistance, we'll assign a dedicated Relationship Manager who will work with you every step of the way.

What you'll be able to do

  • Get contact information for your Relationship Manager
  • Check the status of your request
  • Send & receive documents

Throughout the process, your Relationship Manager will be in touch. If we need anything from you or if there's a change in your status we'll let you know by phone, mail and online.

Contact us

Give us a call to discuss your options.
1-800-850-4622
Mon through Fri from 6 am to 10 pm CT or Sat from 8 am to 2 pm CT

Or call 1-800-CALL-FHA to find a HUD-certified housing counseling agency.

Concerns about your Loan Modification or Short Sale

If you are having problems getting the homeowner assistance you need, please contact our Executive Escalation Team at 1-866-924-8409, Mon – Fri from 8 am to 5 pm CT, or email homeowner.help@mortgagebanksite.com. We will respond to your request within 3-business days.

What's New

Hurricane Sandy Recovery Information

At Ocwen, you are our number one priority. In the aftermath of Hurricane Sandy, we are committed to preserving homeownership and providing mortgage relief to borrowers who were affected by the storm.

In an effort to continue to offer our support, we have a dedicated team of Customer Care Associates to take your call. We'll work with our affected borrowers to ensure they are protected from late charges or credit impacts, while identifying solutions that meet individual needs.

We encourage all borrowers who have been impacted by the storm to contact Ocwen at 1-800-499-0581 for immediate assistance.

Under these extreme circumstances, we'll work with you on a solution that helps meet your needs today. Please do not hesitate to call us with any questions or concerns you have. We are here to help you.

Hope LoanPort® Partners with Ocwen to Launch Homeowner Connect™

Hope LoanPort, the national, non-profit, web-based mortgage solution tool used for streamlining loss mitigation applications, has partnered with Ocwen to launch Homeowner Connect™.

Homeowner Connect helps improve communication between mortgage servicers like Ocwen and homeowners who may be struggling with their mortgage.

Homeowners will have the ability to connect with valuable free resources, such as information on options via government and industry programs - all in one place and from any computer with internet access.

In addition to information about assistance, Ocwen customers will have the option to either link back to this website or submit a financial package on Homeowner Connect. Customers can also connect with housing counselors for assistance.

For additional details, please visit www.homeownerconnect.org.

National Mortgage Settlement

Ocwen has reached an agreement in principle with the federal government and state attorneys general on foreclosure-related matters. We believe this settlement will provide incremental opportunities to assist some borrowers with the consumer relief funds.

For additional details please visit the government website: www.nationalmortgagesettlement.com.

Q: How do I know if I qualify for assistance?

A: Ocwen will reach out directly to borrowers that may qualify for the consumer relief funds in the coming months; however, if borrowers have additional questions about their mortgage they can contact a customer service representative at 800-766-4622.

Q: What kind of assistance is available?

A: Ocwen has been an industry leader in preserving home ownership and constantly strives for creative solutions to help borrowers in need while honoring the contracts we have with our investors. As a result of the settlement, we will be enhancing many of our existing programs and undertaking some new programs. This additional relief will be applied primarily to our owned portfolio and, where applicable, certain investor-owned loans. It does not apply to Fannie Mae or Freddie Mac loans.

Examples of enhancements to existing programs include allowing for principal forgiveness, additional incentives for short sales and the waiving of deficiency balances. New programs include a refinance program for customers who have not been able to take advantage of the low interest rates due to high LTV.

Q: How and when will you be reaching out to qualifying borrowers?

A: We will reach out to eligible borrowers in the coming months via mail, and phone calls.

Q: My home was foreclosed upon — how does this settlement help me?

A: For borrowers who lost their home to foreclosure between Jan. 1, 2008 and Dec. 31, 2011, a settlement administrator designated by the attorneys general will send claim forms to persons eligible for cash restitution. If you believe you are eligible for relief under this settlement but are concerned you will be difficult to locate, please contact your Attorney General's Office.

Q: I am currently approved for a Loss Mitigation option, how do I know the settlement is not a better option?

A: If you are currently working with us on a solution, please continue to do so. While we intend to assist many customers, there are specific qualifications that must be met in order to qualify for these programs. As we work through the details of the agreement, we will be proactively reaching out to any customer who may be eligible and may benefit from the options available.

Concerns about your Loan Modification or Short Sale

If you are having problems getting the homeowner assistance you need, please contact our Executive Escalation Team at 1-866-924-8409, Mon – Fri from 8 am to 5 pm CT, or email homeowner.help@mortgagebanksite.com. We will respond to your request within 3-business days.

Message for Members of the Military

Ocwen is committed to doing what we can to support our customers in the military.

If you or a family member are in the military, you may be eligible for certain rights and protections under the Servicemembers Civil Relief Act (SCRA), including a reduction in the interest rate on your mortgage for the duration of your active duty plus a period of one year thereafter, as well as protection from foreclosure for the duration of your active duty plus a period of nine months thereafter.

We encourage any military personnel with a question or problem relating to their mortgage to contact us.
Please send us an email or call us at 1-866-961-1412.

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