Stop Foreclosure on Your Citizens Bank Mortgage

Trusted Loan Modification Assistance & Advocacy Since 1997

Why Homeowners Trust UCMA

If you are falling behind on your Citizens Bank mortgage payments, you are not alone. For over 25 years, United Capital Mortgage Assistance (UCMA) has helped thousands of homeowners navigate the complex landscape of foreclosure prevention.

We don’t just fill out forms; we advocate for you. Our team understands the specific “loss mitigation” departments of major lenders, including Citizens Bank. We know that financial hardships—like job loss, medical emergencies, or divorce—require a compassionate, you-first approach.

Our Expertise Includes:

• Experience: Successfully resolving difficult foreclosure cases since 1997.
• Knowledge: Deep understanding of fixed vs. adjustable-rate mortgages, modifications, repayment plans and forbearance agreements.
• Results: A proven track record of stopping auction dates and negotiating affordable terms when homeowners were told “no.”

“They played hardball and stopped my foreclosure. The relentless help was a Godsend.” — J.C., Wyoming

Get Your Free Consultation Today or Call 1-800-474-1407

Citizens Bank Mortgage Resources

If you prefer to manage your account directly, you can access your loan information through the official Citizens Bank portal. Keeping your login credentials secure is critical during this process.

• Official Login: Citizens Bank Home Loans Login
  • Note: Use this portal to check your current balance, view statements, and see if any electronic loss mitigation options are available via the “Loan Solution Center.”

Important Contact Information for Citizens Bank Loss Mitigation: If you are submitting documents or need to speak to the bank directly, use the verified numbers below.

• Loss Mitigation & Assistance: 800-456-8855 (Mon-Fri, 8am – 8pm ET)
• General Customer Service: 800-234-6002
• Loss Mitigation Fax Number: 888-777-1631
  • Tip: Always keep a transmission receipt for every document you fax to your lender to prove it was sent on time.
• Mailing Address: Citizens Attn: Loss Mitigation – VAM352 10561 Telegraph Road Glen Allen, VA 23059

Frequently Asked Questions About Citizens Bank Loan Modifications

How do I apply for a loan modification with Citizens Bank? You can apply directly through the Citizens Bank Loan Solution Center online. You will need to register, create a profile, and upload financial documents such as pay stubs, bank statements, and a hardship letter.

• Critical Tip: If your loan is serviced by Cooper, you must use the Mr. Cooper portal instead. Check your monthly mortgage statement to see which company processes your payments.

Can I stop a foreclosure sale date if I submit an application? Generally, yes—but timing is critical. Under federal CFPB rules, if you submit a complete application more than 37 days before a scheduled foreclosure sale, the servicer must review it and cannot foreclose while the review is pending.

• Warning: If you submit your application less than 37 days before the sale, the bank is not required to stop the foreclosure. UCMA specializes in expediting these last-minute packages to help stop the clock.

Why was my Citizens Bank loan modification denied? Denials often happen for three reasons:

1. Incomplete Application: Missing a single page of a bank statement can cause a denial.
2. “NPV” Failure: The bank calculated that foreclosing is more profitable for the investor than modifying your loan.
3. Surplus Income: The bank believes you make enough money to pay the current mortgage, even if you feel you don’t.

• Solution: A denial is not the end. You have the right to appeal specific errors within 30 days.

What is the difference between Forbearance and Modification?

• Forbearance is a temporary pause in payments (often 3-6 months). You typically have to pay back the missed amount in a lump sum or payment plan later.
• Modification permanently changes your loan terms. It might lower your interest rate, extend your loan term (e.g., to 40 years), or add missed payments to the back of the loan to lower your monthly cost.

How long does the review process take? Once you submit a complete package, Citizens Bank (or Mr. Cooper) has 30 days to evaluate it and send you a decision letter. However, gathering documents and correcting errors can often drag this process out to 3-6 months without professional help.

Free Government Resources

We believe in empowering homeowners with all available options. In addition to private advocacy, you can access free counseling and verified information from government agencies.

• Consumer Financial Protection Bureau (CFPB): Visit the CFPB Mortgage Help Page to find HUD-approved housing counselors and learn about your rights under federal law.
• Federal Housing Administration (FHA): If you have an FHA-insured loan, view specific FHA Loss Mitigation Options provided by HUD.
• Department of Veterans Affairs (VA): Veterans can find dedicated foreclosure assistance on the VA Housing Assistance Page.
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• With UCMA’s know how, expertise and experience, you can rest assure that your Loan Modification will go through smoothly. Call United Capital Mortgage Assistance Today 1-800-474-1407.