CitiMortgage Loan Modification & Foreclosure Prevention Help

Don’t Face CitiMortgage Alone. Helping Homeowners Stop Foreclosure with Loan Modifications Since 1997.

If you are a CitiMortgage homeowner facing financial hardship, the uncertainty of missing payments or receiving a foreclosure notice can be overwhelming. You are not alone. United Capital Mortgage Assistance (UCMA) has been helping homeowners successfully navigate the complex loan modification process with CitiMortgage and other lenders for over 25 years.

We know the documentation CitiMortgage requires, the timelines they operate under, and the specific escalation paths necessary to pause a sale date and negotiate a sustainable loan modification.

We assist you in accurately completing all required CitiMortgage documentation, giving you the best chance for your loan modification approval.

To Discuss Your Free Confidential Foreclosure Prevention Action Plan

Please Call 1-800-474-1407 or Click Contact UCMA (name, phone and email address) or Apply Online and we’ll reach out to you within hours or the next business day.

Why Choose UCMA for Your CitiMortgage Loan Modification?

Dealing with large servicers like CitiMortgage can often feel like a one-sided battle. Documents get lost, departments don’t communicate, and timelines are missed. Experience matters.

• 25+ Years of Experience: We have been successfully resolving mortgage delinquencies and negotiating with lenders since 1997.
• 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 the foreclosure prevention process.
• Direct Lender Access: We bypass general customer service queues and work directly with loss mitigation departments and their superiors.
• Full-Service Representation: From the initial application to your final signature, we handle the document preparation, the phone calls, and the negotiations.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.
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• Real People — Real Results

• “You told me you could help even though we got denied by our lender. My wife wanted to trust you, I am glad she did. Thank you sir, for helping us stop our foreclosure and keep our home.” — R.K. and M.K.  See more Success Stories Here.

Have Questions, Been Denied or Receive Attorney Letters? 

• Call the Experts at 1-800-474-1407 for you Free Consultation or Click Request a Callback (name, phone and email address) and we’ll contact you in no time.

CitiMortgage Contact Information & Resources

If you are attempting to contact CitiMortgage directly regarding a default or loan modification, it is critical to reach the correct department. Below is the current contact information for their Loss Mitigation and Homeowner Support teams.

• CitiMortgage Borrower Portal For the fastest service and to upload documents securely, we recommend using their online portal: Manage Your Mortgage – Sign on
• Important Phone Number
• Loss Mitigation / Homeowner Support: 1-800-248-4638 (Ask for the Loss Mitigation Department)
• Mailing Address — General Correspondence: CitiMortgage, Inc. O. Box 6728 Sioux Falls, SD 57117-6728
• Fax Numbers — Common Loss Mitigation Fax: 1-866-220-4130. Note: Fax numbers for CitiMortgage can vary by specific case manager. Always verify the correct fax number before you send any documents to CitiMortgage. 

How We Can Help

United Capital Mortgage Assistance offers a full suite of foreclosure-prevention services tailored to your needs:

• Foreclosure Suspension: Immediately begin to suspend any further foreclosure action while a modification is under review.
• Financial Analysis: We structure your financial package to meet CitiMortgage’s specific debt-to-income (DTI) requirements for modification approval.
• Negotiation: We fight for terms that actually make sense for your budget—including term extensions (up to 40 years), interest rate reductions, or principal deferment.
• Communication Management: We handle the hours of hold times, faxes, and follow-ups so you can focus on your life.

Government Foreclosure Prevention Resources

In addition to UCMA’s professional services, several government agencies offer free resources and guidance for homeowners in distress.

• Consumer Financial Protection Bureau (CFPB): Learn about your rights and find reliable help on the CFPB Mortgage Help Page.
• HUD / FHA Help: If you have an FHA-insured loan, specific protections apply. Visit the HUD Avoiding Foreclosure Page.
• Department of Veterans Affairs (VA): Veterans with VA loans have access to dedicated loan technicians. Visit the VA Home Loan Help Page.

Frequently Asked Questions (FAQ) for CitiMortgage Homeowner

Q: Can I stop a foreclosure sale date if I have already received one from CitiMortgage? A: Yes, it is often possible to postpone a sale date, but you must act immediately. Applying for a loan modification typically pauses the foreclosure process (known as “dual tracking”), but applications must be submitted usually at least 37 days before the sale. Contact UCMA immediately at 1-800-474-1407 for urgent assistance.

Q: Does CitiMortgage offer principal reduction? A: Principal reduction is rare and depends on the investor who owns your loan (e.g., Fannie Mae, Freddie Mac, or a private trust). Most modifications focus on lowering the interest rate, extending the loan term (e.g., to 40 years), or deferring arrears to the end of the loan.

Q: How long does a CitiMortgage loan modification take? A: The process typically takes between 30 to 90 days. However, without professional oversight, it can drag on for months due to “missing documents” or bureaucratic delays. UCMA monitors your file weekly to prevent these unnecessary delays.

Stop the Stress. Start the Solution.

The earlier you address missed payments, the more options you have. Let UCMA handle the stress, the paperwork, and the phone calls.

Call 1-800-474-1407 or Request a Callback(name, phone and email address) or Click Check My Eligibility and we’ll reach out to you within hours.

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.