iServe Servicing Loan Modification Help — Expert Guidance to Stop Foreclosure

Are you behind on your mortgage payments with iServe Servicing? You are not alone, and you have options.

Facing foreclosure is overwhelming. When dealing with lenders like iServe Servicing Inc., homeowners often feel lost in a maze of paperwork, unreturned calls, and confusing denial letters. Since 1997, United Capital Mortgage Assistance (UCMA) has been the homeowner’s voice, successfully negotiating thousands of loan modifications—even for clients who were previously denied.

Don’t wait for the Sheriff’s sale. Immediate action is your best defense. We can help you navigate the iServe Servicing loss mitigation process, stop the foreclosure clock, and fight to keep you in your home.

Call 1-800-474-1407 for a free, no-obligation consultation or Click Contact UCMA and we’ll call you!

Why Choose UCMA for Your iServe Servicing Modification?

We are not just a document preparation service; we are foreclosure prevention experts with over 25 years of experience. Our team understands the specific internal guidelines used by iServe Servicing and government-backed investors like FHA, VA, Fannie Mae, and Freddie Mac.

Our Commitment to You:

• Experience: We have navigated the mortgage crisis, the COVID-19 pandemic, and evolving market shifts since 1997. We know what works.
• Expertise: Our specialists are trained in the specific “waterfall” calculations lenders use to determine your eligibility for rate reductions, term extensions, and principal deferment.
• Authoritativeness: We take over the communication. No more chasing representatives. We speak the lender’s language to ensure your file is processed correctly.
• Trustworthiness: We offer a Free Consultation to review your real chances of success before you pay a dime. We believe in transparency—if we can’t help, we will tell you.

How We Help You Stop Foreclosure:

1. Our “Done-For-You” Service Includes:

   1. Foreclosure Stoppage: Immediate action to suspend any foreclosure action against you while a modification is under review.
   2. Financial Analysis: We structure your financial package to meet iServe Servicing specific debt-to-income (DTI) requirements for modification approval.
   3. 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.
   4. Communication Management: We handle the hours of hold times, faxes, and follow-ups so you can focus on your life.

iServe Servicing Contact Information

If you wish to contact your lender directly to check the status of your loan or submit documents yourself, use the verified contact channels below.

• Lender Name: iServe Servicing Inc. (iServe Residential Lending)
• Customer Service / Loss Mitigation Phone: 877-308-4117
• Fax Number: (Check your specific foreclosure notice for the assigned fax line, as this varies by case manager)
• Borrower Portal: Log in to iServe Servicing Account
• Mailing Address: 10815 Rancho Bernardo Rd., Suite 230, San Diego, CA 92127

Expert Tip: When calling iServe, always ask for the “Loss Mitigation Department.” Be prepared for long hold times and ensure you document the name and ID of every representative you speak with.

(Section: Government Resources)

Free Government Foreclosure Prevention Resources

If you prefer to seek assistance through government channels, the following agencies provide free housing counseling and resources for homeowners in distress.

• Consumer Financial Protection Bureau (CFPB):
  • Visit the CFPB Mortgage Help Page for steps to take if you are behind on bills.
• FHA (Federal Housing Administration):
  • Homeowners with FHA-insured loans can find specific “Waterfall” options on the HUD/FHA Avoiding Foreclosure Page.
• VA (Department of Veterans Affairs):
  • Veterans can access dedicated support at the VA Housing Assistance Page.

Frequently Asked Questions: iServe Servicing Loan Modifications

Q: Can I get a loan modification if iServe has already denied me? A: Yes. Lenders often deny applications due to “incomplete documents” or calculation errors. UCMA specializes in auditing these files, correcting the errors, and resubmitting a “perfect package” for reconsideration.

Q: Will applying for a modification stop my foreclosure date? A: Generally, a complete loan modification application can trigger a “dual tracking” protection, which prevents the lender from foreclosing while reviewing your file. However, timing is critical. You must submit the application before specific deadlines (usually 37 days before a sale).

Q: How long does the iServe review process take? A: The review process typically takes between 30 to 90 days. During this time, UCMA provides weekly updates so you never have to guess the status of your home.

Q: Do I need to be behind on payments to qualify? A: Most lenders require you to be in “imminent danger of default” or currently delinquent to qualify for hardship programs, though exceptions exist for certain investors.

Don’t Face iServe Servicing Alone.

Your home is your most valuable asset. Let the experts at UCMA fight to protect it.

Apply Online Now | Call 1-800-474-1407 or Click Contact UCMA and we will call you!