Cenlar Loan Modification Assistance – Expert Help for Homeowners

Facing Foreclosure with Cenlar FSB

Dealing with Cenlar FSB (also known as Central Loan Administration & Reporting) can be overwhelming. Homeowners often face long hold times, lost documents, and confusing denial letters.

At United Capital Mortgage Assistance (UCMA), we specialize in resolving difficult delinquency cases. We are not just a document preparation service; we are foreclosure prevention experts who advocate directly on your behalf.

Who is Cenlar and Why Do They Have My Mortgage?

Unlike a traditional bank, Cenlar is primarily a subservicer. This means your original lender (the bank you signed with) hired Cenlar to handle the day-to-day management of your loan, including collecting payments and managing escrow.

Important Note for Homeowners: Because Cenlar works on behalf of other investors (like Fannie Mae, Freddie Mac, or private banks), the modification programs available to you often depend on who owns your loan, not just Cenlar’s internal policies. We can help you identify your investor and the specific programs you qualify for.

UCMA Services Include:

• Stopping Foreclosure Sales: If you have a confirmed auction date, our team can intervene to seek a postponement while a modification is reviewed.
• Loss Mitigation Negotiation: We know exactly what Cenlar’s investors (like Fannie Mae or private trusts) require for approval. We structure your financial package to meet those specific guidelines.
• Escalating Stalled Files: When standard customer service fails, we utilize escalated channels to get your file in front of decision-makers. Contact UCMA Today for a Free Consultation – Don’t wait until the sheriff is at the door.

Cenlar Loss Mitigation Contact Information

• • Loss Mitigation & Customer Service: 1-800-223-6527 
  • Transfer/Alternative Line: 1-877-909-6437
    • Note: Hold times are typically shortest Tuesday–Thursday between 8:30 AM and 10:00 AM ET.
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        Mailing Addresses
      • Standard Correspondence: Cenlar FSB PO Box 77404 Ewing, NJ 08628
      • Qualified Written Requests (Notice of Error): Send Certified Mail here if you are disputing a specific error. Cenlar FSB PO Box 77423 Ewing, NJ 08628
      • Online Portal: loanadministration.com
  • UCMA has helped thousands of homeowners stay in their homes. Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your loan modification help.
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  • For Your FREE CONSULTATION Call 1.800.474.1407 click Contact UCMA or Apply Online

  • Expert Tip: Cenlar is strict about “aged” documents. If your application review drags on for more than 60 days, you will likely be asked to resubmit updated pay stubs. Our team ensures your package is complete and current before submission to avoid these delays.

  • Government Resources

    • HUD-Approved Housing Counselors: The U.S. Department of Housing and Urban Development offers free counseling.
      • Find a Counselor via CFPB
      • Phone:1-800-569-4287
    • Consumer Financial Protection Bureau (CFPB):
      • Submit a Mortgage Complaint
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      • Real Success Stories

      • “After dealing with Cenlar for months and getting the runaround, I contacted UCMA. They got in touch with my lender, played hardball, and stopped my foreclosure. I am so grateful.” — J.C., Wyoming (Actual UCMA Client)
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      • Frequently Asked Questions (FAQ)

      • Can I stop a Cenlar foreclosure date? Yes. If a foreclosure date has been set, you must act immediately. Cenlar typically requires a complete loss mitigation package to be on file at least 37 days before the sale date to pause the process.
      • What is “Central Loan Administration”? This is the “Doing Business As” (DBA) name often used by Cenlar on your mortgage statements and letters. If you see this name, you are dealing with Cenlar.
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      • Does Cenlar offer principal reduction? Principal reduction is rare and depends on the owner of your loan (the investor), not Cenlar. However, we can help you apply for payment deferrals or term extensions that lower your monthly obligation.Take Control of Your Mortgage Today
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      • Don’t wait for the Sheriff’s sale. If you are behind on payments to Cenlar, contact United Capital Mortgage Assistance for a free, no-obligation consultation.
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      • Get Help With Cenlar Today — Ready to Take Action? For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.