What To Do If You Can’t Pay Your Mortgage

If you are having trouble making your mortgage payments. There may be resources available to help you with the following:

• Develop a plan to bring your loan current,
• Adjust your monthly payments to better fit your financial situation, or
• Skip a payment in the case of a temporary employment hardship, such as a layoff or medical leave.

Please contact CountryPlace Mortgage at 1-800-228-1828 and speak with one of our agents to discuss these options. We look forward to speaking with you.

Exclusive Address for Notices of Error, Information Requests, and Qualified Written Requests: Submit in writing to CountryPlace Mortgage, Attention: Customer Service

5100 Tennyson Pkwy, Suite 200, Plano, TX 75024

Servicemembers Civil Relief Act (SCRA) Benefits

Eligible servicemembers and their spouses or civil partners may receive:

• Foreclosure protection
• Fee protection
• A special loan modification program for those facing financial challenges
• A reduced interest rate of 6% without fees or refinancing

These benefits last for 12 months after the end of Active Duty Orders. If you are an active duty member of the military, including the Reserves or the National Guard, and your loan was originated prior to your active duty date, you may be eligible for benefits.

The following organizations can provide foreclosure prevention options:

• Consumer Financial Protection Bureau

  Help for homeowners to avoid foreclosure
  https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/avoid-foreclosure/

• Talk to a Housing Counselor -- The Department of Housing and Urban Development (HUD) has counselors to help you explore your foreclosure options. HUD-certified housing counselors can be reached by calling: Toll-free 800-569-4287
  Check out HUD's Guide to Avoiding Foreclosure
• Resources provided by Fannie Mae -- https://yourhome.fanniemae.com/get-relief/avoid-foreclosure
  Call 1-855-HERE2HELP (1-855-437-3243)
• Texas State Residents
  https://www.tdhca.state.tx.us/homeownership/foreclosure/resources.htm
• Washington State Residents
  • Statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Toll-free 1-800-606-4819
  • http://nwjustice.org/what-clear
  • www.homeownership.wa.gov: Foreclosure prevention and information program exclusively to residents of Washington State
    Toll-free: 1-877-894-HOME (4663)
• California State Residents
  • California Finance Agency (CalHFA) has supported the needs of homebuyers by providing financing and homeowner assistance programs for low to moderate income Californians.
  • CalHFA Mortgage Relief page -- https://www.calhfa.ca.gov/