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Customer Service

Ocwen Loan Modification Program (1st Mortgage)

Get the help you need to avoid foreclosure

If you are behind on payments, or having difficulty making your payments, you may qualify for a loan modification through Ocwen's Loan Modification program. If your loan is serviced by Ocwen on behalf of other investors some of these options may not be available.

Ocwen Loan Modification Program Features for First Liens may include:

  • Convert Adjustable Rate Loan (ARM) to a Fixed Rate and convert Interest Only Loan to an Amortizing Loan
  • Bring your account current through capitalization of arrearages
  • Reduce your interest rate to market rate
  • Extend the term of your mortgage to give you more time to pay
  • Further reduce your interest rate
  • Convert your loan to Interest Only Payments
  • Forbearance of principal

Please note: It's important to talk with a tax advisor about taxes you may owe from an Ocwen Loan Modification program.

What to expect

  • Complete a financial package and provide all required documentation. Providing Ocwen a completed financial package along with income documentation as instructed in the financial package will provide all of the documentation that we need to begin our review.  
  • We will assign a relationship manager to be your dedicated point of contact throughout the process. Your relationship manager will be able to guide you through the process as well as provide status updates.
  • The modification program may require a trial plan before your loan is modified. If a trial plan is required, you will receive a letter that details the trial plan including the trial payment amount and the dates on which the trial payments are due.
  • We will review your financial package to determine if you qualify for a loan modification. If you qualify for a modification and you have completed all requirements, which may include a trial plan, you will be reviewed for a loan modification and, if approved, you will receive a loan modification agreement that provides you with the terms of the modification as well as instructions for signing and returning the modification agreement to Ocwen.

Contact us

Give us a call to discuss your options.
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 request

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 We will respond to your request within 3-business days.


Help for Homeowners

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NMLS #1852 - NMLS Consumer Access Page