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.

Get a Free 15 minute expert analysis – Call 1-800-474-1407 or Click Request a Callback and we’ll call you — Trusted by Thousands Since 1997.

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.

Why Choose UCMA to Handle Your Cenlar Loan Modification?

Experience Matters. Foreclosure prevention is not a side service for us; it is all we do. For over two decades, we have developed a deep understanding of the internal guidelines used by major lenders like Cenlar, for FHA, VA, Fannie Mae, and Freddie Mac loans.

• 25+ Years of Success: We have been saving homes since 1997.
• High Success Rate: For qualified homeowners who complete our program.
• We Are Not A Law Firm: We are expert consultants who focus strictly on the financial negotiation and underwriting aspect of your loan, which is often faster and more affordable than litigation.

We handle the entire application process for you: From beginning to end, ensuring every detail is accurate to maximize your chances of stopping foreclosure and keeping your family in your home, while consistently giving you updates throughout!

Cenlar Loss Mitigation Contact Information

• Cenlar:“ WARNING: Frontline agents at Cenlar often give conflicting info on file status. Get the facts from the experts – Call UCMA today at 1-800-474-1407 for your Free 15 minute analysis.

• 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.
• 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

Government Resources & Consumer Protection

We believe in empowering homeowners with verified information. In addition to our services, we encourage you to review your rights through official government channels.

• CFPB Mortgage Help: The Consumer Financial Protection Bureau provides a step-by-step guide to mortgage relief. Visit consumerfinance.gov/mortgagehelp
• HUD Foreclosure Tips: HUD tips to help you avoid foreclosure. HUD Tips
• File a Complaint: If you believe Cenlar is violating mortgage servicing rules (Regulation X), you can submit a complaint directly to the CFPB.

Frequently Asked Questions (FAQ)

Q: Can I get a loan modification if Cenlar has already started foreclosure? 

A: Yes. You can apply for a loan modification up to 37 days before a scheduled foreclosure sale. However, waiting this long is risky. The sooner you apply, the more protections you have under federal law to pause the foreclosure process.

Q: What is a Trial Payment Plan (TPP)?

A: A Trial Payment Plan is a “probation” period for your modification. Cenlar will typically require you to make 3 monthly payments at the new estimated amount. Permanent Status: Once you successfully complete the trial, Cenlar will send the final modification agreement for you to sign.

Q: Can UCMA help if Cenlar has already denied my modification? 

A: Yes. A denial is often the result of an incomplete application or an income calculation error. UCMA experts can review the denial letter, correct the errors, and help you appeal the decision or submit a new complete package.

Q: Why should I hire UCMA instead of doing it myself? 

A: While you can apply on your own, the process is document-intensive and prone to errors that cause delays or denials. UCMA acts as your advocate, ensuring your file meets all requirements and negotiating directly with the lender to secure the best possible terms for your situation.

Don’t Let Foreclosure Take Your Home!

UCMA has helped homeowners nationwide stay in their homes. Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your loan modification help.

Call Us Now: 1-800-47-1407 or Click SCHEDULE A CALLBACK or START MY APPLICATION.