Stop Fay Servicing Foreclosure Action and Keep Your Home

Don’t Face Fay Servicing Alone. Helping Homeowners Stop Foreclosure with Loan Modifications 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.

We know the documentation Fay Servicing requires, the timelines they operate under, and the specific escalation paths necessary to pause a sale date and negotiate a sustainable loan modification.

We assist you in accurately completing all required Fay Servicing documentation, giving you the best chance of your 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) or Apply Online and we’ll reach out to you within hours or the next business day.

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. 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.
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• Real People — Real Results

• “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 — See more Success Stories Here.

Have Questions, Been Denied or Receive Attorney Letters? 

Do not wait for a foreclosure notice — Get your questions answered! Call our expert team today at 1-800-474-1407 for a free, no-obligation consultation or Click Get My No Cost Review (name, phone and email address) and we will reach right back out to you.

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.

Fay Servicing Loss Mitigation Information

• Fay Servicing:“ WARNING: 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.

For your convenience, we have compiled the direct contact information for Fay Servicing.

• 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)

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 Fay Servicing’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.

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 right away!

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.

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.

Stop the Stress. Start the Solution.

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

• Call Toll-Free: 1-800-474-1407 or Request a Callback (name, phone and email address)
• Get Started Now: Check My Eligibility

For greater than 25 years UCMA has helped homeowners nationwide stay in their homes. Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your Fay Servicing loan modification help.