Your mortgage servicer
Private company (loan servicer)
Fits this situation- What it can help with
- Talk with you about your loan, explain which help options (called loss mitigation) may be available for your loan, and tell you what a complete application needs. Federal servicing rules also require covered servicers to try to reach a borrower who has fallen behind and to send a written notice.
- What it cannot do
- A servicer does not have to offer any particular help option. The owner of the loan affects which options exist. The servicer is the other side of the loan, not a neutral advisor, and not a source of legal advice. Some small servicers, reverse mortgages, and loans that are not on a principal residence are treated differently under the federal rules.
- Who it serves, or what it costs, as its own source says
- Federal servicing procedures generally cover loans on a borrower's principal residence. No fee is described by the sources for talking with your servicer.
- How to reach it
- Use the phone number on your monthly statement or notice.
Website: consumerfinance.gov - Last checked
- October 2, 2026
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