Carrington Mortgage Services (CMS) Loan Modification Assistance

If your loan is serviced by Carrington Mortgage Services (CMS), you may have already noticed that they operate differently than traditional banks. Carrington often specializes in “distressed” or “subprime” loans, including a high volume of FHA and USDA mortgages.

This means that when you fall behind, the process can move quickly. Homeowners frequently report communication challenges, such as long hold times or documents “getting lost” in their Anaheim processing center. At United Capital Mortgage Assistance (UCMA), we know exactly how Carrington operates. We cut through the red tape to help you submit the correct “Request for Mortgage Assistance” package the first time, stopping the foreclosure clock before it’s too late.

The Challenge: Dealing with a “Special Servicer” Carrington is often referred to as a “special servicer.” This means they are experts at collecting on past-due accounts.

• Aggressive Timelines: Unlike standard banks that might wait 120 days to file notices, special servicers often move to legal action as soon as the law allows.
• Document Scrutiny: Carrington’s loss mitigation department is notorious for rejecting applications due to minor errors on forms like the IRS 4506-C.
• Loan Transfers: Many Carrington loans were acquired from other lenders (like Bank of America or Chase). Old payment history from your previous servicer can sometimes be missing, leading to incorrect “past due” balances.

2025 Loan Modification Options with Carrington – Because Carrington services many government-backed loans, you may have access to specific 2025 programs that private loans do not:

1. FHA Partial Claim: If you have an FHA loan, we can help you apply for a “Partial Claim,” where HUD creates a silent second mortgage to cover your missed payments (0% interest, no payments due until you sell or refinance).
2. USDA Special Loan Servicing: For rural housing loans, Carrington must follow strict USDA guidelines that can lower your interest rate or extend your term up to 40 years.
3. Flex Modification: For conventional loans, we negotiate to capitalize your arrears and potentially lower your rate to the current market standard.

Essential Contact Info & Verification Before submitting sensitive financial documents, always verify you are dealing with the correct department.

Carrington Contact Information

• Contact Carrington’s Home Retention Department – 1-800-561-4567 
• Official Portal: Most document uploads should go through the Carrington Mortgage Assistance Portal.
• Loss Mitigation Fax: If you are faxing documents, the standard number is often (877) 267-1331, but UCMA recommends digital submission with tracking to prove receipt.

Government Agencies That Can Help

Homeowners have rights. In addition to our private services, we recommend exploring these government resources:

• CFPB (Consumer Financial Protection Bureau): Find a Housing Counselor
• HUD (Dept. of Housing and Urban Development): Foreclosure Avoidance Guide
• HAF (Homeowner Assistance Fund): State-by-State HAF Programs

How UCMA Protects You We are not a bank. We are homeowner advocates. When you hire UCMA, we step in to ensure Carrington follows the rules.

• Audit for Errors: We review your loan history to ensure all payments (even from before Carrington acquired your loan) were credited correctly.
• Complete RMA Packages: We prepare the Request for Mortgage Assistance perfectly, including the tricky “Hardship Affidavit,” so they have no excuse to reject it.
• Court Defense Support: In judicial states like Illinois, we provide Carrington and their Attorneys with the specific data they need to delay the Sheriff’s Sale while the modification is pending

Carrington Won’t Wait. Neither Should You. Don’t face a special servicer alone. Get the leverage you need to save your home.

Take Action Now! For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.