When you realize you may have issues paying your mortgage, the first call you should make is to your loan servicer (the company listed on your mortgage statement). Why? Because the earlier you reach out, the more options there are for help and you can avoid costly fees and penalties.
Contacting your servicer
If you are having trouble making payments or need other help, call your loan servicer (the company listed on your mortgage statement).
You may be eligible for a streamlined offer and not be required to provide any documentation. In some cases, when additional information is needed, your loan servicer may require you to complete a Mortgage Assistance Application. The servicer will assist you in identifying a solution that works for you.
To keep you on track, be sure to take notes and document your communications with your loan servicer.