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Options to Avoid Foreclosure
Are financial challenges impacting your ability to make your mortgage payments? Resources are available.
Foreclosure Prevention Options
There are several options available to prevent foreclosure. The option available to you is determined by your loan servicer based upon your individual circumstance.
Depending on your financial situation, we may offer you:
Unemployment special forbearance
Loan modification
Short sale
Deed-in-Lieu of foreclosure
If you believe one of these options may meet your needs, please complete the Borrower Assistance Form, IRS form 4506T, Expense Statement and Hardship Letter accessible through the Financial Request button below.
Should you require additional clarification, please visit our Help Request tab and complete the financial request. A loan counselor will review your information and contact you to discuss your situation.
Below are the general income and other required documents recommended to start gathering when initiating this process.
Pay Stubs
SSI award letter L (if applicable)
Most recent P&L (if applicable)
Proof of any additional income
Most recent tax return filed
Home Retention
The goal of home retention is for you to avoid foreclosure and keep your home. If you are having financial difficulties, please review our home retention information to explore your available options. Please remember that this is a communication from a debt collector and any information sent to us will be used for that purpose.
Losing your home can be devastating both personally and financially. There are many unforeseen situations that may cause you to get behind on your mortgage payment, such as:
Unemployment
Loss of family
Underemployment
Military deployment
Divorce or separation
Retirement
Medical issues
Disaster
You can prevent foreclosure and the loss of your home. Don't be embarrassed or afraid to contact us. We want to help you avoid foreclosure and stay in your home. We can help you contact a local credit counselor, who will be able to review your bills, prioritize your payments, and work with your creditors to meet a budget plan.
Take action. If you can't make your payment:
Call 919-335-6217 to speak with one of our associates. We can personally review your home retention options with you.
Request Help
Once you determine you need help, please provide us with your financial status details so that we can better provide you with the available home retention options.
Please complete and submit the financial form. A loan counselor will review your information and contact you to discuss your situation. Please remember that this is a communication from a debt collector and any information sent to us will be used for that purpose.
Overview of the Roles and Relationship: Sage Home Loans, LoanCare, and HavenWallet™
Sage Home Loans: Sage Home Loans originates and manages your mortgage and monitors market rates to identify purchase and refinance opportunities.
LoanCare: Your mortgage servicer.
HavenWallet™: The technology platform powering this website, providing a single place for you to manage your mortgage online.
Need assistance?
Sage Home Loans
LoanCare
Visit NMLS Consumer Access Website: www.nmlsconsumeraccess.org
This website is not authorized by the New York State Department of Financial Services. We do not conduct origination related business through this website. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this website, including, but not limited to, advertisement of origination activity, loan products and mortgage terms, or soliciting, processing and collecting consumer information or offering fulfillment services.
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HavenWallet™
Insurance services offered through Haven Servicing Insurance Solutions, LLC (CA resident license #6009179). You aren't required to purchase homeowners insurance through us in order to access home loan offerings.