LoanCare Loan Modification & Foreclosure Prevention Help

Are you falling behind on your mortgage payments with LoanCare? The threat of foreclosure is stressful, but you do not have to face it alone. Since 1997, United Capital Mortgage Assistance (UCMA) has successfully helped thousands of homeowners negotiate sustainable loan modifications, stopping foreclosure in its tracks even when lenders have previously said “no.”

As experts in LoanCare’s specific loss mitigation procedures, we understand exactly what their underwriters require to approve a modification. We cut through the red tape, handle the complex paperwork, and fight to keep you in your home.

Why Choose UCMA to Manage Your LoanCare Modification?

Google’s strict standards for financial advice demand Experience and Expertise. UCMA delivers both.

• 25+ Years of Proven Results: We aren’t new to this. For over a quarter-century, we have navigated the changing landscape of mortgage servicing. We know the difference between an FHA, VA, and Conventional modification and how to maximize the benefits of each.
• Deep Knowledge of LoanCare’s Systems: Every lender operates differently. We know LoanCare’s specific escalation contacts, their document expiration timelines, and the common administrative errors that cause unrepresented homeowners to get denied.
• 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 deferrment.
• End-to-End Representation: From the initial free consultation to the final signature on your modification agreement, we handle the heavy lifting. No more “lost documents” or confusing bank speak.

Need Help Now? Don’t wait for a foreclosure auction date. Call 1-800-474-1407 or Click Here and We’ll Call You!

LoanCare Contact Information & Loss Mitigation Departments

If you attempt to contact LoanCare directly, it is critical to reach the correct department. General customer service often cannot assist with active foreclosure files.

Official LoanCare Portal: MyLoanCare Customer Portal 

Loss Mitigation (Foreclosure Prevention) Department:

• Phone: 1-800-274-6600
• Fax: 757-466-0384
• Hours: Monday – Friday, 8:00 AM – 9:00 PM EST

General Customer Service:

• Phone: 1-800-274-6600

Insurance Department (For Hazard/Flood Insurance Proof):

• Fax: 843-413-7127
• Mail: LoanCare, LLC, O. Box 202049, Florence, SC 29502-2049

Government Resources for Homeowners

While UCMA provides private, expert representation, we also encourage homeowners to be aware of government-backed resources that oversee mortgage servicing standards.

• Consumer Financial Protection Bureau (CFPB): A government agency that ensures you are treated fairly by lenders.
• Department of Housing and Urban Development (HUD): Provides tips to avoid foreclosure.

UCMA has helped thousands of homeowners stay in their homes. Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your loan modification help.

Frequently Asked Questions (FAQ) for LoanCare Borrowers

Q: Can I stop a foreclosure auction date if I have already received one from LoanCare? A: Yes, in many cases, submitting a “complete” loss mitigation application to LoanCare at least 37 days before the sale date can trigger a legal hold on the foreclosure (under CFPB Dual Tracking rules). UCMA specializes in expediting these packages to stop sales fast.

Q: Why does LoanCare keep saying they didn’t receive my documents? A: Mortgage servicers process millions of pages. Documents are often misfiled or expire before review. UCMA combats this by using specific escalation channels and confirming receipt of every single page we submit on your behalf.

Q: Does UCMA work with FHA loans serviced by LoanCare? A: Absolutely. FHA loans have specific “waterfall” options for modification that are very favorable to homeowners. We ensure LoanCare follows HUD guidelines strictly when reviewing your file.

Don’t let wait until it’s too late! Call UCMA today — 1-800-474-1407 — Contact UCMA or Apply Online