Mortgage Help Meeting

Mounting debt, the loss of a job, health issues, marital changes and any other number of reasons can leave a homeowner faced with difficulty making mortgage payments.

Whether you have missed one mortgage payment or multiple payments, now is the time to take action. If you have missed payments and find yourself buried under past due payments and late fees, you may qualify for a temporary (or permanent) solution to help you get your finances back on track and avoid foreclosure.

Seeking Help After a Storm

Tropical storms and hurricanes smash through, and then they’re gone. But if your home was affected, Click Here to download a helpful document that describes the top five things you need to do to start getting your life back on track.

Avoiding Foreclosure: Know Your Options.

There are alternative programs that may be available to you.

Our mission is simple: We will do everything we can to keep you in your home.

Our philosophy is: Let's work together to find the right solution that works for you.
































If you are having difficulties paying your mortgage, please contact us as soon as possible. The sooner you contact us, the sooner we can help. Shellpoint specialists are ready to work with you and thoroughly review your situation. The process is called the "Loss Mitigation Review".

The basic steps of the Loss Mitigation Review are as follows:

  • Initial Review - If you are experiencing difficulty with your mortgage payments, call us to discuss your situation. Please be prepared with your loan number, the monthly pre-tax income for each borrower and information about your current financial hardship. Click Here to get started.
  • Document Collection and Review - If our initial review of your situation determines that your loan could be eligible for loss mitigation, most likely we will need additional documentation. Sign and return the information to us as soon as possible. Click Here to get started.
  • Evaluation Notice - The Evaluation Notice is the conclusion of the Loss Mitigation Review. It is a letter sent to you that describes which, if any, Loss Mitigation Option(s) that you may be eligible for.

Foreclosure Alternatives

After the completion of the steps of the Loss Mitigation Review, your Evaluation Notice will describe which foreclosure alternative you are eligible for.

Below are some of the foreclosure alternatives that could be available to you.


An offer by Shellpoint to temporarily suspend or reduce your monthly mortgage payments for a specified period of time.

    • Have time to improve your financial situation and get back on your feet
    • Less damaging to your credit score than a foreclosure
    • Stay in your home and avoid foreclosure

Click Here to get started

Repayment Plans

An agreement between you and Shellpoint that lets you pay the past due amount, added on to your current mortgage payments, over a specified time period to bring your mortgage payment current.

    • Resolve your delinquency
    • Catch up on your past due payments over an extended period of time
    • Less damaging to your credit score than a foreclosure
    • Stay in your home and avoid foreclosure

Click Here to get started

Loan Modification

An agreement between you and Shellpoint to change the original terms of your mortgage, such as payment amount, length of loan, interest rate, etc.

    • Allows you to make a trial payment plan before permanently modifying the mortgage to make sure you can afford your home after modification
    • May reduce your monthly mortgage payments to a more affordable amount
    • Less damaging to your credit score than a foreclosure
    • Stay in your home and avoid foreclosure

Click Here to get started

Short Sale

A short sale is the sale of a home for less than the balance remaining on your mortgage.

    • Eliminate or reduce your remaining mortgage debt
    • Assistance for relocation may be available
    • Start repairing your credit sooner than if you went through a foreclosure

Click Here to get started


With a Mortgage Release (Deed-in-Lieu of Foreclosure), you transfer the ownership of your property to the owner of your mortgage in exchange for a release from your loan and payments.

    • Eliminate your mortgage debt
    • May be eligible for relocation assistance
    • Start repairing your credit sooner than if you went through a foreclosure

Click Here to get started

Making decisions about your mortgage when you are facing financial challenges can be uncomfortable and overwhelming. With so much information available, it’s hard to know where to turn. Shellpoint is ready to assist you in exploring the best option for your individual situation. Call us today at 1-800-365-7107.

HUD Approved Counseling

Talk to a HUD-Certified Counseling Agency – For Free. If you’re having trouble paying your mortgage or you have already received a delinquency notice, free help is a phone call away. Call 1-800-569-4287 for free personalized advice from housing counseling agencies certified by the U.S. Department of Housing and Urban Development (HUD). This national hotline – open 24/7 – is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. For free guidance online, visit

HUD Fair Housing

The mission of the Office of Fair Housing and Equal Opportunity (FHEO) is to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities by leading the nation in the enforcement, administration, development, and public understanding of federal fair housing policies and laws. The federal Fair Housing Act makes it unlawful to discriminate in the sale, rental, or financing of homes, including the servicing of home mortgage loans, because of race, color, national origin, religion, sex, familial status, or disability. For more information on HUD's FHEO, please visit

Private Mortgage Insurance

PMI is an insurance policy you pay for that protects your mortgage lender from financial loss if you stop making your mortgage payments. And depending on your credit score, your down payment, and several other factors, your lender may require you to have PMI coverage on your mortgage. Click Here for more information.

Do you have a mortgage loan that’s funded by Fannie Mae and are interested in canceling PMI? Click Here for more information.

Limited English Proficiency

If you prefer to receive communication in a language other than English, please contact us at (800) 365-7107 to speak with a translator in your preferred language about the servicing of your loan or to explain a document you received. For more information in non-English languages, please visit FHFA’s Mortgage Translations clearinghouse. This site contains resources such as translated documents, borrower education materials, a standardized glossary of mortgage terms, and more. Also, translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Consumer Affairs Department’s website,


Shellpoint Mortgaging Servicing is dedicated to developing workable alternatives that avoid foreclosure and other legal actions. To better serve you, we have provided the documentation below for your review. Understanding that each borrower's situation is unique, please review the following information that is applicable to your needs. If you need the assistance of a live representative, visit our Contact Us page.

Borrower Assistance Form

ACH Draft Form

Bi-Weekly ACH Form and Scheduleav


Dodd-Frank Certification Form

Non-Borrower Authorization

Non-Borrower Contribution

Non-Borrower Credit Authorization

Loss Mitigation Opt Out Form

SL Letter of Authorization

Old Republic Letter of Auth

Form 710 (MAA) - Freddie and Fannie

Taxpayer Consent Form


Monthly Expense Tracking

Amortization Schedule


Ask Doctor Debt 

National Foundation for Credit Counseling 

Coronavirus Banking Scams

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