Stop Foreclosure and Save Your Home with 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 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.

• Fay Servicing Borrower Portal: Login to Your Account
• Customer Service / Loss Mitigation Phone:(800) 495-7166
• Fax:(248) 781-9345 (Always confirm the specific department fax number before sending sensitive documents)

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

Q: Can I stop a foreclosure date if I apply for a loan modification with Fay Servicing? A: In many cases, yes. Under federal “dual tracking” laws, a lender is generally restricted from proceeding with a foreclosure sale while a complete loss mitigation application is under review. However, timing is critical. Contact UCMA at 1-800-474-1407 immediately if you have a sale date scheduled.

Q: Does Fay Servicing offer principal reduction? A: Principal reduction is rare but possible under very specific programs (often FHA-related). More commonly, Fay Servicing will offer principal deferment, where a portion of the past-due balance is set aside to be paid off at the very end of the loan (maturity), effectively lowering your monthly payment now.

Q: Why was my modification denied? A: Common reasons include “failure to provide documents,” “income insufficient to support modification,” or “surplus income” (meaning the bank thinks you can afford the original payment). UCMA specializes in overturning these denials by correcting the financial presentation.

Q: Why should I hire UCMA instead of doing it myself? A: 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.