LoanCare Loan Modification & Foreclosure Prevention Help

Don’t Face LoanCare Alone. Helping Homeowners Stop Foreclosure Since 1997.

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 homeowners nationwide negotiate sustainable loan modifications, stopping foreclosure in its tracks even when lenders have previously said “no.”

Our goal is clear: Get LoanCare to stop foreclosure action, modify your loan, and save your home (a LoanCare Success Story).

UCMA helps you navigate the complex loss mitigation process to help you keep your home. We assist you in accurately completing all required LoanCare documentation, giving you the best chance for 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 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 deferment.
• End-to-End Representation: From the initial free consultation to the final signature on your modification agreement, we take care of all the heavy lifting. No more “lost documents” or confusing bank speak.
• UCMA handles 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.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

“Today we signed our Loan Modification and saved our home because of your hard work. I cannot thank you enough.” — F.L.H., Louisiana | Verified UCMA Client – See more Success Stories Here.

Have Questions? Have You Been Denied or Receive Attorney Letters?

Get your questions answered! Don’t wait for a foreclosure sale date! Call 1-800-474-1407 or Click Get My No Cost Review (name, phone and email address) and you’ll hear back from us within hours.

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 loan modification help.

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.

BEFORE YOU CALL: LoanCare has been known for requesting the same documents repeatedly. At UCMA we know how to ‘Lock In’ your application so they can’t claim it’s incomplete. Call us: 1-800-474-1407.

Official LoanCare Portal: MyLoanCare Customer Portal 

1. Loss Mitigation (Foreclosure Prevention) Department:
2. Phone: 1-800-274-6600
3. Fax: 757-466-0384
4. Hours: Monday – Friday, 8:00 AM – 9:00 PM EST

General Customer Service:

• Phone: 1-800-274-6600
• Mail: LoanCare, LLC, O. Box 202049, Florence, SC 29502-2049

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 LoanCare’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.

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.

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 wait until it’s too late! Call UCMA today!

Call 1-800-474-1407 — Get My No Cost Review or See if I Qualify.

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 LoanCare loan modification help.