Fifth Third Bank Loan Modification & Foreclosure Prevention Assistance

If you are falling behind on mortgage payments with Fifth Third Bank, or if you have already received a Notice of Default, time is against your most valuable asset. Navigating the loss mitigation department of a major lender can be overwhelming, but you do not have to do it alone.

At United Capital Mortgage Assistance (UCMA), we have specialized in foreclosure prevention since 1997. We don’t just understand the general mortgage industry; we have specific experience working directly with Fifth Third Bank’s internal loss mitigation protocols. We know the documentation they require, the timelines they operate under, and the specific escalation paths necessary to pause a sale date and negotiate a sustainable loan modification.

Why Choose UCMA for Your Fifth Third Bank Mortgage?

Successfully modifying a loan with Fifth Third Bank requires more than just submitting forms; it requires a strategic presentation of your financial hardship.

• 25+ Years of Experience: We have successfully guided thousands of homeowners through the modification process for over two decades.
• Lender-Specific Expertise: We understand Fifth Third Bank’s specific “waterfall” calculations for determining modification eligibility.
• A “Stop Foreclosure” Priority: Our primary mission is to halt the foreclosure clock. We work aggressively to ensure your file is reviewed for every available retention option—including interest rate reductions, term extensions (up to 40 years), and possible principal deferment.
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• Full Service Representation: We handle the phone calls, the faxing, and the negotiations so you can focus on your family.
• With UCMA’s know how, expertise and experience, you can rest assure that your Loan Modification will go through smoothly.

Call 1-800-474-1407 for your Free Consultation or Click on Contact UCMA and we’ll call you! 

Fifth Third Bank Loss Mitigation Contact Information

If you wish to contact Fifth Third Bank directly regarding your mortgage hardship, use the dedicated department numbers below. Note: Wait times in the loss mitigation department can vary significantly.

• Mortgage Hardship Assistance: 1-800-457-0839
• Loss Mitigation / Payment Relief: 1-866-601-6391
• Customer Service (General): 1-800-972-3030
• Loss Mitigation Fax: 513-358-8786

Online Portals Fifth Third Bank utilizes online portals for document submission and status checks.

Primary Mortgage Login: Fifth Third Home Lending Portal

Hardship Assistance Info: Fifth Third Hardship Support

The UCMA Process: How We Help You Stop Foreclosure

Free Consultation & Eligibility Review: We review your current financial situation, your loan status with Fifth Third, and identify the best retention option for you (e.g., Modification, Deferral, or Forbearance).

Document Preparation: Lenders often reject applications due to “incomplete information.” We professionally prepare your financial package to meet Fifth Third’s strict compliance standards.

Submission & Negotiation: We submit your file via the correct channels and follow up relentlessly, ensuring your file doesn’t get “lost in the shuffle.”

Resolution: Our goal is to secure a modified plan that allows you to keep your home and regain financial stability.

Government & Housing Resources For additional information on your rights as a homeowner, we recommend visiting these official government resources:

• US Dept of Housing and Urban Development: gov – Avoid Foreclosure
• Consumer Financial Protection Bureau: CFPB Mortgage Help
• Homeowner Assistance Fund (HAF): gov HAF Program

Frequently Asked Questions: Fifth Third Bank

Q: Does Cenlar offer loan modifications? A: Yes. Like most major lenders, Fifth Third Bank offers loss mitigation options such as loan modifications, forbearance plans, and repayment plans for borrowers experiencing financial hardship. However, you must submit a complete application package to qualify.

Q: Why did Fifth Third Bank deny my loan modification?

A: Denials are common but can often be overturned. Common reasons include:

• Incomplete Application: If you miss one pay stub or page of a bank statement, Fifth Third may deny the whole file.
• NPV Test Failure: The “Net Present Value” test might show the investor makes more money foreclosing than modifying.
• Surplus/Deficit Income: You might show too much income (meaning you can afford the current payment) or too little income (meaning you can’t afford the modified payment)

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.

Q: What is a Trial Payment Plan (TPP)?

A: A Trial Payment Plan is a “probation” period for your modification. Fifth Third Bank will typically require you to make 3 monthly payments at the new estimated amount.

• Crucial Warning:You must make these payments on time (early is better). If you miss a trial payment, the modification offer is voided, and foreclosure resumes immediately.
• Permanent Status:Once you successfully complete the trial, Fifth Third Bank will send the final modification agreement for you to sign.

UCMA assists homeowners nationwide with (FHA, VA, Fannie Mae & Freddie Mac, etc.)—whether your hardship is sudden or has been ongoing.

Let’s turn your mortgage difficulties into a clear, manageable solution—call UCMA now and take the first step toward keeping your home — 1-800-474-1407 Contact UCMA or Apply Online