Financial Hardship Solutions

When you face financial hardships—an inability to meet basic living expenses for you and your family—we're here to help.

Father holding sleeping child.

What is a financial hardship?

A financial hardship is the inability to meet basic living expenses for goods and services necessary for the survival of the debtor and his or her spouse and dependents. If you are facing financial hardship or anticipating a financial hardship you are not alone. The following reasons account for 70% of all foreclosures nationwide:

  • Job loss / significant reduction in income

  • Disability

  • Divorce

  • Death of wage earner

If you would like to explore your options, it is essential that our Solutions Specialists have all the necessary documentation to review your whole financial picture so that the best possible solution can be determined. You will need the following documentation:

  • Signed and dated hardship letter

  • 30 days' worth of current paystubs

    • If self-employed, two years of tax returns and a year-to-date profit and loss statement

    • Documented evidence of any additional income (i.e., spousal support, child support, social security, other)

  • The last statements from all other mortgages

  • Complete asset statements for the last two months

  • Rental agreements

Important Note

Please be prepared to discuss your household income and expenses with your Solutions Specialist.

How to Reach Out

Once you have your information together or if you have questions about your specific situation, please get in touch with us. You have two easy ways to reach one of our caring crewmembers: