Stop Foreclosure on Your Citizens Bank Mortgage – Get Loan Modification Help

Don’t face a Citizens Bank alone. Get the leverage you need to keep your home. Helping Homeowners Since 1997

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 homeowners nationwide navigate the complex landscape of foreclosure prevention.

Our goal is simple: Get Citizen Bank Mortgage to stop foreclosure action, modify your loan and save your home (A Citizens Bank Success Story).

We don’t just fill out forms; we fight for you. Our team understands the specific “loss mitigation” departments of major lenders, including Citizens Bank. We assist you in accurately completing all required Citizens Bank documentation, giving you the best chance for 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) and we’ll reach out to you within hours or the next business day.

Why Choose UCMA for Foreclosure Prevention?

• 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.

Real People – Real Results

• “”After dealing with my lender for months, receiving no help and getting the run around; I contacted United Capital Mortgage Assistance. They got in touch with my lender, played hardball and stopped my foreclosure. I am so grateful for the great people at UCMA. The relentless help was a God send.” — J.C. – Wyoming — See more Success Stories Here

Have Questions or Have You Been Denied?

• Don’t face Citizens Bank foreclosure team alone.
• To Get Your Free Expert Analysis — Call 1-800-474-1407 — or Click Get My Free Action Plan (name, phone and email address) and we will call you within hours.

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 Citizens Bank’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.
• Call Us Today @ 1-800-474-1407

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.

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

• Stop the Stress. Start the Solution.

• Don’t wait until it’s too late. Time is not on your side.
• Call Us Now: 1-800-474-1407 or Contact UCMA (name, phone and email address) or Apply Online and we’ll get right back with you.  Trusted by thousands since 1997.

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.

• WARNING: The “Document Black Hole.” Borrowers frequently report that Citizens Bank claims documents were “never received” or “expired” while they sat in their own queue for 30+ days, claiming to be an incomplete filing. By ensuring every detail of the application is accurate and complete before it is sent, UCMA removes the common excuses lenders use to kick files back into the “incomplete” file.

• 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

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.

UCMA has helped homeowners get loan modifications since 1997.

Our reputation for honest service, expertise and successful outcomes makes us the go-to choice for your Citizens Bank loan modification help.