Contact us

秋霞在线观看Call 800-365-7900, Monday through Friday from 7 a.m. to 9 p.m. CT and Saturday from 9 a.m. to 2 p.m. CT. When you call, be prepared to provide:

  • A brief explanation of your situation.
  • A detailed list of your household expenses.
  • Proof of household income (recent pay stubs, tax returns or profit-and-loss statements).

Our complaint process

秋霞在线观看If you have a complaint about your loan regarding, or related to, our loss mitigation foreclosure alternatives process or our foreclosure process, please direct your complaint, along with the name of each borrower and the loan number, to U.S. Bank Complaints, PO Box 211529, Eagan, MN 55121.

Determine your repayment options online

To build a repayment plan that's right for you, please visit U.S. Bank Mortgage Help.

  • To talk to a loan specialist about delinquent payments: Call Default Counseling at 800-365-7900.
  • For free or low-cost general advice about buying a home, renting, default or avoiding foreclosure: Contact a housing counselor at the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287.

Options for retaining your home

秋霞在线观看We offer several options that could help you retain your home. To determine which might best suit your needs, please review the following:

Repayment plan

A repayment plan allows you to pay your regular monthly payment plus additional funds applied to past-due amounts. Payments are distributed over an agreed-upon period of time.

秋霞在线观看This option may work for you if:

  • You can afford your regular monthly payments and other expenses.
  • You have surplus funds at the end of the month.

Hardship loan modification

This option allows you to roll interest and escrow shortage from delinquent payments into the existing loan. You may qualify for an interest-rate reduction to have the term of the loan extended.

秋霞在线观看This option may work for you if:

  • You can afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses.
  • You don't have substantial funds left at the end of the month.

Options regarding selling your home

秋霞在线观看If you face the possibility of selling your home, ask yourself the following before starting the process:

  • Are you prepared to sell your home?
  • Are you unable to recover from a situation that caused you to fall behind on your mortgage payments?
  • Are you unable to afford your regular monthly payment and have no means to catch up on delinquent payments?

秋霞在线观看If you decide to sell your home, consider the following options.

Short sale

秋霞在线观看In a short sale, the lender agrees to discount the loan balance due to hardship. The home is sold but proceeds fall short of the balance owed.

This option may work for you if:

  • You can't afford your regular monthly payment and expenses.
  • You are interested in selling your home, which is worth less than you owe.

Deed in lieu of foreclosure

秋霞在线观看This option allows you to deed your home back to your lender or investor instead of facing foreclosure.

This option may work for you if:

  • You can't afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses.
  • You don't have substantial funds left at the end of the month.