CitiMortgage Loan Modification & Foreclosure Prevention Help

Expert Guidance to Save Your Home – Trusted 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.

Our team doesn’t just fill out forms; we provide the advocacy, experience, and empathy you need to protect your most valuable asset. Whether you have fallen behind due to job loss, medical emergencies, or adjustable-rate shock, we fight to keep you in your home.

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.

• Proven Track Record: We have successfully assisted thousands of homeowners since 1997. We know CitiMortgage’s specific internal guidelines and loss mitigation protocols.
• Personalized Action Plans: We don’t believe in “one size fits all.” We analyze your specific financial situation to determine the best home retention option for you, whether that is a loan modification, repayment plan or forbearance.
• Transparent & Trustworthy: We offer a Free, No-Obligation Consultation. We will be honest about your eligibility and what we can achieve.
• Full Service Advocacy: From document preparation to lender negotiation, we handle the heavy lifting so you can focus on your family.
• “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. (Real UCMA Clients)
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• Ready to Take Action? Call 1-800-474-1407 for you Free Consultation or Click Contact UCMA and we’ll call you!

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. 

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.

Don’t Wait Until It’s Too Late.

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

Call 1-800-474-1407 Contact UCMA Online and we’ll call you! Trusted by Thousands of Homeowners Since 1997.