LoanCare Loan Modification & Foreclosure Prevention Help | UCMA
You Don’t Have to Face LoanCare Alone. Helping Homeowners Stop Foreclosure with Loan Modifications 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 keep you in your home — See LoanCare Success Story Here.
No one will work or fight harder to help you keep your home than UCMA. Guaranteed.
UCMA navigates the complex loss mitigation process to help you keep your home. We assist you in accurately filling out and completing all required LoanCare documentation, including their financial forms, making sure your package is complete and precise, giving you the best chance for your loan modification approval.
Get Your Free, Confidential, No-Obligation Foreclosure Prevention Consultation Today!
Talk to the experts 
Call 1-800-474-1407 now and see how we can help or Click Get My Free Consultation or Apply Online (all confidential) and you’ll hear back from us within hours. 🔒 100% Confidential & Secure. We will never sell your information.
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 different qualifications whether you have 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: You don’t have to file for bankruptcy to save your home. We provide the expert negotiations needed to reach a sustainable agreement with your lender without bankruptcy.
Real People. Real Results.
“We tried to do this ourselves but it did not work. You said you could help us avoid foreclosure and you did. I was a little leery, but not any more. You are amazing, thank you for all your help!” – R.D. & W.D. – Washington DC — See more Success Stories Here.
Get My Free Consultation — Expert Loan Modification Help Since 1997
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 Apply Online and you’ll hear right back from us within hours (all confidential).
Our Proven 4-Step LoanCare Modification Process
Step 1: Free Financial & Eligibility Analysis: We evaluate your income, hardship, and loan type (FHA, VA, Fannie Mae, Freddie Mac, or Conventional) to establish your exact qualification parameters.
Step 2: Strategic Document Assembly & “Document Lock”: Missing or expired paperwork is the primary reason LoanCare delays or denies files. We prepare an airtight package aligned with LoanCare’s exact debt-to-income (DTI) requirements.
Step 3: Dual-Tracking Protection & Direct Escalation: We submit your complete package through verified escalation channels to invoke CFPB dual-tracking rules—halting foreclosure activity while your application is under review.
Step 4: Negotiation for Sustainable Relief: We work directly with loss mitigation to secure affordable, permanent terms—such as interest rate reductions, term extensions up to 40 years, or principal deferment.
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 — Request a Callback or Apply Online.
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
- 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
- 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.
For greater than 25 years UCMA has helped homeowners 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.
- Disclaimer: United Capital Mortgage Assistance (UCMA) is a private company and is NOT associated with the government, any government agency or any mortgage lender/servicer. UCMA is NOT a law firm and does not provide legal advice. All claims of success are based on past results and are not a guarantee of future outcomes.