BrandMortgage is here to help you!
We are committed to preserving neighborhoods and communities through continued homeownership. It is our desire to help all homeowners retain their homes whether you are looking for a way to make your payments easier each month OR you have fallen behind.
Please contact a mortgage default specialist at 1-855-232-8519 or email firstname.lastname@example.org.
Refinance your loan – Refinance your loan with a BrandMortgage refinance OR a HARP refinance
You may be able to save money by refinancing into a new loan with a lower interest rate even if you owe more than your home is worth, you could still qualify. Brand offers a variety of government and private programs to assist you. Possible eligibility factors include:
• The amount of equity you have in your home
• Whether you are current on your payments
• The length of time you have been in your home
Modify your loan– Modifications available or a Home Affordable Modification (HAMP)
If you are facing a long-term hardship, a loan modification may be a good option to help get you back on track. With a modification, you can temporarily or permanently change the terms of your loan, such as a loan type, interest rate, or length of the loan in order to resolve your mortgage delinquency and possibly lower your monthly payment requirements.
Interested to see how a modification could impact your mortgage? Use the modification calculator on Fannie Mae’s KnowYourOptions.com to find out.
Eligibility factors include:
• How far behind you are on your mortgage payments
• Current income
• Current unpaid principal balance
• Any prior modification or refinances
• Whether the property is your primary residence
• The date you originally closed the loan
• Whether there are any other liens against the property
• Your loan type- fixed or adjustable rate mortgage
Repayment. If you have fallen behind on your payments, a repayment plan may give you the opportunity you need to best manage unexpected expense and work towards catching up on your mortgage payments. The plan would distribute the delinquent amount over a period (usually no more than 3-6 months). You will continue to make your normal payments plus an additional amount of the past due until you are caught up. We also offer partial payments or forbearance.
For help exploring your options, the Federal government provides contact information for housing counselors, which you can access by contacting the Consumer Financial Protection Bureau ‘s website at: http://www.consumerfinance.gov/find-a-housing-counselor/ or you may call the Department of Housing and Urban Development (HUD) at (800) 569-4287 or TDD (800) 877-8339.
Notice of Error (NOE) or Request for Information (RFI). If you believe there is an error (“Notice of Error”) or if you need additional information (“Request for Information”) relating to the servicing of your mortgage loan, you must send a written NOE or RFI to the following address: 3415 George Busbee Parkway, NW, Kennesaw, GA 30144. Your NOE or RFI must include your name, loan number, and sufficient detail to inform us of the basis of your NOE or RFI.