Experiencing Financial Hardship?


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If you are experiencing difficulties making your monthly payment or if you believe you may have difficulty meeting your financial obligations in the near future, please contact your personal Asset Manager. If you do not know who your personal Asset Manager is, call our Customer Service at (800) 603-0836 Monday-Friday from 8 a.m. to 5 p.m. PST and you will be connected to your Asset Manager who will discuss the options available to you.

Solutions may include:

COVID-19 Hardship:

You may qualify for financial assistance through your state as part of the federal Homeowner Assistance Fund (HAF). Please visit the HAF website and select your state website to see how you can apply today!

Home Retention Solutions:
  • Repayment Plans
  • Modifications
  • Settlements/Discounted Payoffs
Non-Retention Solutions:
  • Short Sales or Pre-Foreclosure Sale
  • Deed-in-Lieu of Foreclosure

You can apply for hardship assistance quickly and easily using the SN Servicing Corporation Borrower Web Site. Or you can download and fill out the SN Servicing Corporation Loss Mitigation packet.

Apply Online for Hardship Assistance
Download Loss Mitigation Packet

Below are some of the documents that may be required.
  • Completion of Financial Analysis Form
  • Executed Hardship Letter
  • Copy of 2 most recent bank statements
  • Copy of 2 most recent paystubs
  • 12 months Profit and Loss statements, if self-employed
  • Previous Year’s Tax Return or last 2 years' W-2 forms
  • Completed and signed IRS Form 4506T
  • Award letter stating your Social Security, disability, or pension earnings
  • Copy of a recent utility bill (i.e. electric, gas, water etc.)
  • Signed Purchase Contract by Seller and Buyer, if applicable
  • Estimated HUD1 or Net Sheet, if applicable
  • Pre-Approval Letter for buyer, with no contingencies, if applicable
  • Listing Agreement, if applicable

Additionally, the United States Department of Housing and Urban Development (HUD) sponsors free housing counseling services. Click the following link to find a HUD-Approved housing counselor in your area or call (800) 569-4287

Beware of Scams!

Unfortunately, homeowners looking for mortgage help can be victimized by scam artists. Foreclosure rescue and mortgage modification scams are a growing problem that could cost you thousands of dollars.

  • Beware of anyone who asks you to pay a fee in exchange for counseling services or the modification of a delinquent loan.
  • Beware of people who pressure you to sign papers immediately or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
  • Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  • Never make a mortgage payment to anyone other than your mortgage company without their approval.

If you believe you have been the victim of a scam, you should file a complaint with the Federal Trade Commission (FTC).

Visit the FTC’s online Complaint Assistant or call 877-FTC-HELP (877-382-4357) for assistance in English or Spanish.