Mortgage Help


Mortgage Assistance Options

LenderFi works with its homeowners who are in need of mortgage assistance to try to find options that are right for you. Options that may be available to homeowners who are unable to afford their mortgage payments and who wish to avoid foreclosure, include:

  • Repayment Plan
  • Forbearance Plan
  • Modification
  • Pre-foreclosure Sale
  • Deed-in-Lieu of Foreclosure
Required Documentation

Homeowners should be prepared to collect the following financial documents and present them when discussing options for avoiding foreclosure:

  • Completed, signed and dated Mortgage Assistance Application.
  • Proof of income as listed in section 4 of the Mortgage Assistance Application.
  • Copies of bills or receipts of additional living expenses listed in section 6b of the Mortgage Assistance Application.
  • Signed and dated 4506-C and most recent, signed, dated and completed tax returns. *If required by investor.
  • Copy of previous year’s W-2 form.

Please note that this list of documents is not all-inclusive. We may request additional documentation from you upon reviewing your Mortgage Assistance Application.

Applying for Mortgage Assistance
  • In order to get started download our  Mortgage Assistance Application Package. If you do not have access to a printer and would like a Mortgage Assistance Application Package delivered to you, please contact our Loss Mitigation Department at (855) 824-1513.
  • Please follow each step carefully and read the Uniform Homeowner Assistance form in its entirety. To avoid delays in review and processing, please provide accurate information and all requested supporting documentation.
  • Return the Mortgage Assistance Application Package and all supporting documentation via mail, fax, or email
  • Upon receipt of your submission, our Loss Mitigation team will review your Application carefully and work to help find a solution that you qualify for. We will contact you if there is any further information required.
To submit the Mortgage Assistance Application online:

Homeowners requesting evaluation for a loss mitigation option may submit the completed Mortgage Assistance Application Package and supporting documents online using the homeowner portal. You must register with a username and password to make an online account at https://LenderFi.servicingdivision.com. Once you’re logged in, you can upload documents directly to your account for our review.

To submit the Mortgage Assistance Application via mail:
  • Send the completed Mortgage Assistance Application Package to:

LenderFi

Attention: Loss Mitigation Dept.

3138 E. Elwood St.

Phoenix, AZ 85034


Loss Mitigation Document Review
  • A highly-trained Loss Mitigation Specialist will review all documentation provided by our homeowner or authorized third-party. The Loss Mitigation Specialist will review all documents submitted and validate all documents have been returned. The Loss Mitigation Specialist will notify you if any documents are missing.
  • Once they have determined all required documents have been received, they will order the necessary property valuations and escrow analysis. This step typically takes 10-15 days to finalize.
  • Once all orders have been returned, a specialized mortgage underwriter will review all relevant income and expense documentation to determine the best workout option our homeowners qualify for; either to assist in bringing their loan current while obtaining an affordable payment or liquidating the property through a short sale or with a deed in lieu of foreclosure.
  • Once the best available workout options have been approved, your Loss Mitigation Specialist will contact you by phone and by mail with all necessary details.
Check the Status of your Submission
  • Attention Housing Counselors! To check the status of a homeowner's loan modification, or to otherwise communicate with LenderFi regarding the status of a homeowner's account, please email us at [email protected].
  • You may check the status of your submission online if you are a registered user of LenderFi Homeowner Website at https://LenderFi.servicingdivision.com.
    • You may create an account by clicking on the Register link above and following the instructions.
    • Once registered, click the Loan Details icon, in the dropdown. You will see an action titled Loss Mitigation – select this option. This option will be available to you once all required documentation has been received.
  • If you do not wish to register, need help, have additional questions or concerns, please contact our Loss Mitigation Department at (855) 824-1513.
Contact Us
  • You may contact our Loss Mitigation Department toll-free at (855) 824-1513 to discuss your options.
Homeowner Allies
  • At LenderFi, the Ally Department is synonymous with the Loss Mitigation Department. Once you submit an application for loss mitigation, you will have access to an Ally, or single point of contact, to assist you through the loss mitigation process. For the time your loan is in loss mitigation status, every time you call us, or we call you, you’ll get the same real, live person to talk to who knows you and understands your unique situation.
HUD Counseling Notice
  • If your loan is delinquent, you may be entitled to receive homeownership counseling from an agency approved by the United States Department of Housing and Urban Development (HUD). A list of the HUD-approved, non-profit homeownership counseling agencies may be downloaded from the internet at www.hud.gov, by calling the HUD toll-free number at (800) 569-4287, or by calling HOPE NOW toll-free at (888) 995-4673. For Text Telephone (TTY) service, contact the Federal Information Relay Service at (800) 877-8339.
    • Get Help Today! Experts from HUD-approved housing counseling agencies work in your best interest at no cost to you:
    • For more information about available programs and guidance on your options, call (888) 995-HOPE (4673). Call 24 hours a day, 7 days a week, 365 days a year for help in more than 170 languages
    • For foreclosure prevention counseling, contact a HUD-approved housing counseling agency in a city near you by visiting www.hud.gov/findacounselor.
  • For help completing and submitting your application for mortgage assistance, contact one of the agencies participating in the National Foreclosure Mitigation Counseling (NFMC) program.
  • Remember, you should avoid anyone who seeks a fee in exchange for obtaining housing counseling or assistance. Help with home retention options, including housing counseling, is FREE.
Homeowners with Limited English Proficiency

LenderFi offers our Spanish speaking homeowners dedicated Spanish speaking Homeowner Care team members, including Spanish speaking Homeowner Allies (single points of contact). Homeowners fluent in languages other than Spanish will be assisted through translation services. For those who have a preference outside of English or Spanish, we happily offer verbal translations in more than 200 languages and regional dialects.

  • When you call our toll-free Homeowner Care Center, our interactive voice response (IVR) will present you with an option to enter a Spanish IVR by pressing 8 during the greeting message. If you choose an option to speak with a homeowner facing team member, you’ll be routed directly to someone who speaks Spanish.
  • If you’ve designated a Spanish language preference, you’ll automatically be assigned a Spanish speaking Ally.
  • If you prefer a language other than English or Spanish, just let us know and we’ll update your account and assist you through our trusted translation partners.

Help is also available in other languages at www.cfpb.gov/housing and through the Federal Housing Finance Agency’s (FHFA) Interpretive Services website here.