Stop Foreclosure with Fay Servicing and Keep Your Home — Trusted Experts Since 1997

If you are falling behind on payments with Fay Servicing or fear you may lose your home, you are not alone. Financial hardships can happen to anyone, but immediate action is your best defense.

At United Capital Mortgage Assistance (UCMA), we specialize in helping homeowners navigate the complex “Loss Mitigation” process. Since 1997, our team has successfully negotiated loan modifications for thousands of families, serving as a bridge between you and lenders like Fay Servicing to help you resolve delinquency and stop foreclosure.

Immediate Help: Do not wait for a foreclosure notice. Call our expert team today for a free, no-obligation consultation at 1-800-474-1407 or Contact UCMA Online.

Why Trust UCMA with Your Fay Servicing Modification?

Dealing with a lender’s loss mitigation department can be overwhelming. Missing a single document or deadline can result in a denial. Here is how UCMA’s 25+ years of experience protects you:

• Proven Expertise: We understand the specific guidelines and “waterfalls” lenders use to approve modifications. We ensure your application is accurate, complete, and positioned for success.
• Foreclosure Prevention Focus: Our primary goal is keeping you in your home. We explore every available option, including forbearance, repayment plans, and capitalization of arrears.
• Empathetic Support: We know this is a stressful time. Our staff provides clear, transparent updates throughout the entire negotiation process.

(Real Testimonial)

“I am incredibly grateful for UCMA’s dedication. When my lender said no, they kept fighting. They are the reason I still have my home.” — C.B., Colorado

Fay Servicing Denial Survival Guide: Don’t Panic, Take Action

Receiving a denial from Fay Servicing is terrifying, but it is often not the final decision. In our experience, many initial denials are caused by correctable errors or “automated” rejections that can be overturned with a proper submission.

1. Was Your Modification Denied? Understand the “Why”

Fay Servicing denial letters often use confusing codes. Here is what the most common reasons actually mean:

• “NPV Negative” (Net Present Value): This means the mathematical formula claims the investor (the owner of your loan) will make more money by foreclosing than by modifying your loan. The Fix: This calculation is often based on outdated property values or incorrect credit scores. Challenging these inputs can reverse the decision.
• “Application Incomplete”: You may have sent every document, but if a single page was blurry, missing a signature, or not indexed correctly by their scanner, the entire application is denied.
• “Deficit Income” vs. “Surplus Income”:
  • Deficit: They believe you don’t make enough money to afford even a modified payment.
  • Surplus:They believe you make too much money and can afford the original payment plus arrears.

2. Here Is What To Do (Your 3-Step Battle Plan)

If you receive a denial, the clock starts ticking immediately. You typically have only 30 days to submit a formal appeal.

• Step 1: Verify the Income Math. Did Fay Servicing use your “Gross” (before tax) income or “Net” (after tax) income? Did they count the income of all household contributors? A discrepancy of just $100 in their calculation can cause a denial.
• Step 2: Check the Property Value. If the denial is based on “NPV,” check the property value they used. If they valued your home significantly higher than it is worth, they may falsely believe they have equity to recover through foreclosure. You can contest this with a recent appraisal or Broker Price Opinion (BPO).
• Step 3: Escalate to a Human. Do not just re-fax the same papers to the general customer service line. You need to submit a specific Appeal Package addressing the exact reason for denial.

Need help analyzing your situation? United Capital Mortgage Assistance has helped numerous homeowners nationwide get loan modifications even after denial. We often find that the “unaffordable” payment they calculated was based on data entry errors. Contact us immediately or Call 1-800-474-1407.

Fay Servicing Loss Mitigation Information

For your convenience, we have compiled the direct contact information for Fay Servicing. It is critical to keep lines of communication open.

• Having trouble with the Fay Servicing Online Portal? Many borrowers report that the portal fails to recognize their EIN or account details. Do not rely on the portal alone. We bypass the digital runaround and submit your package directly to specific escalation lines to ensure a proper paper trail.
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• Fay Servicing Borrower Portal: Fay Servicing Customer Portal
• Customer Service / Loss Mitigation Phone: (800) 495-7166
• Loss Mitigation Fax: (248) 781-9345 (Always confirm the specific department fax number before sending sensitive documents)
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• Note: Fay Servicing may use third-party vendors for specific processes. Always check your most recent billing statement to confirm the correct contact details for your specific loan type.

Free Government Resources for Homeowners

We believe in empowering homeowners with all available resources. These government agencies provide verified information on foreclosure avoidance:

• Consumer Financial Protection Bureau (CFPB): Mortgage Help & Resources
• Department of Housing and Urban Development (HUD): FHA Foreclosure Avoidance

Department of Veterans Affairs (VA): VA Home Loan Foreclosure Help

Frequently Asked Questions: Fay Servicing Loan Modifications

Can I stop a foreclosure date if I apply for a loan modification with Fay Servicing? A. In many cases, yes, it is often possible to stop a sale date, but you must act immediately. Fay Servicing typically requires a complete loss mitigation application to be on file at least 37 days before the foreclosure sale to guarantee a review (under CFPB rules). However, UCMA specializes in emergency situations and can often escalate cases that are closer to the sale date. Do not wait—call us at 1-800-474-1407 immediately.

Q: Why does Fay Servicing keep saying they didn’t receive my documents? A: This is one of the most common complaints from Fay Servicing borrowers. It typically happens because Fay Servicing uses a massive, centralized mail facility where documents are scanned by machines, not people. If your Loan Number is not written clearly on every single page (not just the cover sheet), the scanner may fail to index the page to your file, causing it to be “lost” in their system.

To fix this: Write your Loan Number on the top corner of every page you submit.

Avoid standard mail. Use the dedicated Loss Mitigation Fax line at 1-248-781-9345 and keep the transmission receipt.

Try to upload via the Fay Servicing Customer Portal and take a screenshot of the “Upload Successful” screen with the date visible.

Still getting denied for “Missing Documents”? This may be a stalling tactic. UCMA bypasses the general mail center and submits packages directly to escalation contacts who are required to sign for receipt, ensuring your file cannot be ignored.

Why should I hire UCMA instead of doing it myself? 

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.

Ready to Save Your Home?

Don’t face Fay Servicing alone. Let our experience work for you.

• Call Toll-Free:1-800-474-1407 or Click Contact UCMA and we’ll call you!
• Get Started Now: Apply Online

United Capital Mortgage Assistance – Trusted Foreclosure Prevention Since 1997.