Planet Home Lending Loan Modification Help & Foreclosure Prevention

Expert Advocacy to Save Your Home | Trusted Since 1997

Are you falling behind on your mortgage payments with Planet Home Lending? You are not alone, and you do not have to face them by yourself. At United Capital Mortgage Assistance (UCMA), we have over 25 years of experience successfully negotiating with lenders like Planet Home Lending to stop foreclosure and secure sustainable loan modifications for homeowners.

Why Choose UCMA?

Real Experience. Real Results. Real Advocacy.

Dealing with a mortgage servicer’s loss mitigation department can be overwhelming. Documents get lost, representatives change, and timelines are missed. UCMA bridges that gap. We don’t just fill out forms; we advocate for your right to keep your home.

• 25+ Years of Experience: We have been saving homes for over two decades. We know the difference between a generic application and one that gets approved.
• Lender-Specific Knowledge: We know Planet Home Lending’s escalation contacts and document processing workflows. We ensure your file doesn’t get “lost in the shuffle.”
• Foreclosure Prevention Specialists: Our primary goal is to stop the clock. We work aggressively to halt foreclosure sale dates so we can negotiate a long-term solution.
• Full Representation: We handle the phone calls, the faxes, and the negotiations. You get peace of mind knowing professionals are fighting for you.

Need help now? Call 1-800-474-1407 for a free, no-obligation consultation or Click Here and we will call you!

Planet Home Lending Loss Mitigation Information

If you are attempting to handle this on your own, it is critical to use the correct contact channels. Sending documents to the wrong department is the #1 reason for denial.   

Planet Home Lending Contact Details:

• Mortgage Login Portal: Planet Home Lending Login
• Customer Service: 866-882-8187
• Loss Mitigation Email: mitigation@planethomelending.com

Mailing Address for Mitigation: 321 Research Parkway, Suite 303 Meriden, CT 06450 Attn: Mitigation Department

Government Resources for Homeowners

For additional verified support, we recommend visiting these official government agencies. These are trusted sources for mortgage relief programs.

• CFPB Mortgage Help: Consumer Financial Protection Bureau – A guide to understanding your rights and finding HUD-approved counselors.
• FHA Foreclosure Assistance: HUD / FHA Loss Mitigation – Specific options for homeowners with FHA-insured loans.
• VA Mortgage Assistance: VA Trouble Making Payments – Resources for Veterans struggling with their VA home loan.

Frequently Asked Questions (FAQ)

Does Planet Home Lending do loan modifications? Yes, Planet Home Lending offers loan modifications for borrowers who have experienced a financial hardship. A modification changes the terms of your original loan—such as the interest rate, term length, or principal balance—to make your monthly payment more affordable. However, applying is complicated, and many homeowners are initially denied due to “incomplete applications.”

What is a Trial Payment Plan (TPP)? A Trial Payment Plan is usually the first step in a modification. Planet Home Lending may require you to make three consecutive monthly payments at the new, estimated modified amount. If you make these payments on time, the modification is typically finalized. Warning: Missing a single trial payment can void the offer and restart the foreclosure process.

Why was I denied for a loan modification? Denials often happen for three reasons:

1. Incomplete Application: The lender claims they never received a specific pay stub or bank statement.
2. NPV Negative: The lender calculates that foreclosing on the home is more profitable than modifying the loan.
3. Surplus/Deficit Income: Your income is either too low to support the new payment, or “too high” to justify a hardship. UCMA specializes in analyzing these denial letters and fighting to overturn them.

Why should I use UCMA instead of doing it myself? We remove the emotion and error from the process. We know exactly what income ratios Planet Home Lending looks for. We ensure your package is complete, submitted to the right department, and we follow up weekly to ensure they don’t “lose” your file. We have the industry contacts to escalate your case when standard customer service fails.

Need Help Now?

Time is your most valuable asset when facing foreclosure. Do not wait for a sale date to be set.

Contact UCMA for Expert Help – 1-800-474-1407 or Click Here and we will call you!