Mortgage Assistance

Having issues making your mortgage payment? We would like to offer our assistance. Our goal is to work with you to find the best option based on your hardship. It is important that you act quickly. Fewer options may be available the longer you wait. We can answer questions about your mortgage and explore options based on your individual hardship. We can determine if you qualify for assistance, including options to stay in your home or leave your home while avoiding foreclosure.

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Additional Resources

For a list of HUD‐approved housing counseling agencies that can provide free foreclosure prevention and debt management information, and may be able to provide translation or other language assistance, contact one of the following federal government agencies.

The U.S. Department of Housing and Urban Development (HUD) at (800) 569‐4287
The Consumer Financial Protection Bureau (CFPB) at (855) 411‐2372
The Homeowner's Assistance Fund

If your loan is owned by the Federal Housing Administration (FHA), Fannie Mae, Freddie Mac, Veterans Affairs (VA), the United States Department of Agriculture or for additional information on how to avoid foreclosure, including help for military service members, you may also visit either:

FHA
Fannie Mae
Freddie Mac
USDA
VA (877) 827-3702

Note: If you are the Veteran whose entitlement was used to obtain this loan, you can also lose your entitlement to a future VA home loan guaranty. If you are not already working with us to resolve the delinquency, please call us to discuss your workout options. You may be able to make special payment arrangements that will reinstate your loan. You may also qualify for a repayment plan or loan modification. VA has guaranteed a portion of your loan and wants to ensure that you receive every reasonable opportunity to bring your loan current and retain your home. VA can also answer any questions you have regarding your entitlement.

Information on Avoiding Foreclosure

These options may be available to you depending on your hardship. There are options to help you stay in your home and bring your mortgage current, and options that allow you to leave your home while avoiding foreclosure. We can answer any questions you may have about these options, including the general eligibility requirements.

Options to Stay in Your Home	Overview	Benefit
Reinstatement	Pay all past-due amounts in a single lump‐sum payment. Available if you have the funds to pay now.	Allows you to avoid foreclosure by bringing your mortgage current immediately.
Repayment Plan	Pay all past-due payments together with your regular payments over an extended period of time. Available if you have sufficient income to cover more than your regular monthly payment.	Allows you time to bring your mortgage current without having to make a single lump‐ sum payment.
Forebearance Plan	Make reduced payments or no payments for a specific period of time (for example, six months). During this time your mortgage will become increasingly delinquent. Defer repayment of one or two past-due principal and interest payments, which will be due and payable at the maturity of the mortgage loan or earlier upon the sale or transfer of the property, refinancing of the mortgage loan or payoff of the interest-bearing unpaid principal balance.	Allows you time to improve your financial situation and possibly qualify for another option, such as a modification, upon completion of the forbearance plan. Allows you to bring your mortgage current by delaying repayment of past-due principal and interest amounts without changing other terms of your mortgage.
Modification	Make modified payments based on new terms. Requires your successful completion of a three‐month trial period plan.	Allows you to bring your mortgage current by permanently modifying your mortgage. Intended to make your payments or terms more manageable; typically results in a lower monthly payment.

Options to Leave Your Home	Overview	Benefit
Short Sale	Sell your property. Proceeds from the sale are used to pay off a portion of your mortgage balance when you owe more on your mortgage than the home is worth.	Allows you to transition out of your home to avoid foreclosure. Relocation funds may be available. The remainder of your mortgage debt after the transfer of ownership may be forgiven, but there may be tax consequences. It is recommended to consult with a tax advisor.
Dead-in-Lieu of Foreclosure	Transfer ownership of your property to us in exchange for relief from some or all of the mortgage debt.	Allows you to transition out of your home if you are unable to sell your home to avoid foreclosure. Relocation funds may be available. The remainder of your mortgage debt after the transfer of ownership may be forgiven, but there may be tax consequences. It is recommended to consult with a tax advisor.

Frequently Asked Questions

Find answers to commonly asked questions about foreclosures and how mortgage assistance can help.

Beware of Foreclosure Rescue Scams

Scam artists have stolen millions of dollars from distressed homeowners by promising immediate relief from foreclosure or demanding cash for counseling services. HUD‐approved counseling agencies provide the same services for free. If you receive an offer, information or advice that sounds too good to be true, it probably is. If you have any doubts, contact your mortgage servicer. Don't let scammers take advantage of you, your situation, your house or your money. Keep in mind, your mortgage servicer is not responsible for paying damages resulting from a scam. Remember, help is free.

How to Spot a Scam

You should beware of a company or person who:

Asks for a fee in advance to work with your mortgage servicer to modify, refinance or reinstate your mortgage.
Guarantees they can stop a foreclosure or get your mortgage modified.
Advises you to stop paying your mortgage servicer and pay them instead.
Pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read and you don't fully understand.
Claims to offer "government‐approved" or "official government" mortgage modifications.
Asks you to release personal financial information online or over the phone and you have not been working with this person and/or do not know them.

How to Report a Scam

When reporting a scam you can do one of the following:

Go to the Consumer Financial Protection Bureau website to submit a scam complaint.
Call 1(888)995‐HOPE (4673) and tell the counselor about your situation and that you believe you were scammed or know of a scam.

In addition, please contact our Customer Service Center immediately at FNBCustomerService@fnb-corp.com or 800-555-5455 to file a report.

Notices & Disclosures

All loan products are subject to underwriting/credit approval.
FNB is an Equal Housing Lender; NMLS #766529.
Interest may be deductible; check with your tax advisor.
We cannot guarantee that we will be able to assist you with your mortgage if you apply for mortgage assistance.

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