Regions Mortgage Loan Modification Help
Stop Foreclosure and Save Your Home with Expert Representation
If you are falling behind on your payments with Regions Mortgage or have already received a notice of default, you are not alone—and you do not have to face this battle by yourself.
At United Capital Mortgage Assistance (UCMA), we specialize in helping homeowners navigate the complex loan modification process. Since 1997, our team has provided the experience, expertise, and advocacy needed to stop foreclosure and secure affordable mortgage terms.
Don’t wait until it’s too late.
Call UCMA Today: 1-800-474-1407
Why Choose UCMA for Your Regions Mortgage Modification?
Dealing directly with a lender like Regions Mortgage can be overwhelming. Misplaced documents, confusing terminology, and long hold times often lead to unnecessary denials. UCMA is your professional advocate.
- 25+ Years of Experience: We have been successfully resolving mortgage delinquencies since 1997. We know exactly what Regions Mortgage requires for a successful modification.
- Foreclosure Prevention Expertise: Our sole focus is keeping you in your home. We analyze your financial situation to present the strongest possible case to your lender.
- Full-Service Representation: From the initial application to the final signature, we handle the paperwork, the phone calls, and the negotiations so you can focus on your family.
“My whole family wants to thank you so much for helping us to keep our home. Everything is OK now. May God bless you and your staff. Keep up the good work. Thank you.” — M.G., Tennessee
Regions Mortgage Contact Information & Resources
If you are attempting to contact Regions Mortgage directly regarding a hardship, use the specific Loss Mitigation details below rather than general customer service.
Regions Mortgage Loss Mitigation Department
- Phone: 1-800-748-9498 (Specific for payment assistance)
- General Customer Service: 1-800-986-2462
- Fax: 1-800-256-7200
- Online Portal: Regions MyMortgage Login
- Mailing Address: Regions Mortgage Attn: Loss Mitigation Dept P.O. Box 18001 Hattiesburg, MS 39404-8001
Verified Government Foreclosure Resources
In addition to private representation from UCMA, we encourage homeowners to explore verified government resources for foreclosure prevention.
FHA Borrowers: HUD/FHA Avoid Foreclosure Options
VA Loans: VA Housing Assistance & Foreclosure Prevention
State-by-State Aid: Homeowner Assistance Fund (HAF) Programs
FAQ: Regions Mortgage Loan Modifications
Does Regions Mortgage offer loan modifications?
Yes. Regions Mortgage offers several loss mitigation options for homeowners facing financial hardship, including loan modifications, forbearance plans, and repayment plans. However, applying does not guarantee approval. Your application must demonstrate a valid hardship and the ability to maintain the new modified payment.
What is a “Trial Payment Plan” (TPP)?
A Trial Payment Plan is typically the first step in a permanent loan modification. Horizon Bank may offer you a 3-month trial period where you make a new, often lower, mortgage payment.
- Why it matters: You must make these payments on time and in the exact amount specified. If you successfully complete the trial period, the bank will typically permanently modify your loan terms.
UCMA Tip: Never miss a trial payment. It is your probation period to prove you can afford the home.
Why did Regions Mortgage deny my loan modification?
Denials are common and often happen for avoidable reasons, such as:
- “Incomplete Application”:A single missing page or outdated paystub can cause an automatic denial.
- Debt-to-Income (DTI) Ratios:If your income is too low to support the loan, or surprisingly, if you show too much disposable income, you may be denied.
- Net Present Value (NPV) Failure:The lender calculates that foreclosing is more profitable than modifying the loan.
Expert Note: A denial is not the end. UCMA specializes in overturning denials by correcting errors and presenting your financials in a format that meets lender guidelines.
Why should I use UCMA instead of doing it myself?
While you can apply on your own, the process is designed to be difficult. One mistake can restart the clock, pushing you closer to a foreclosure auction date.
- We save you time: No more hours on hold.
- We ensure accuracy: We prepare your file correctly the first time.
- We fight for you: Lenders have attorneys and experts on their side. With UCMA, you do too.
Ready to Save Your Home?
Take the first step toward peace of mind. Let our 25+ years of experience work for you.
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