Select Portfolio Servicing (SPS) Loan Modification Help & Foreclosure Prevention

If you are falling behind on payments to Select Portfolio Servicing (SPS), or if you have already received a notice of default, you need immediate, experienced help. Dealing with mortgage servicers can be confusing and stressful, but you do not have to do it alone.

Since 1997, United Capital Mortgage Assistance (UCMA) has helped thousands of homeowners nationwide navigate the complex loss mitigation process. We specialize in overturning denials and negotiating terms that allow you to keep your home.

Why Choose UCMA for Your SPS Loan Modification?

Real Expertise. Proven Results.

Select Portfolio Servicing often handles distressed loans, which means their requirements can be strict. You need a team that understands their specific internal guidelines.

• 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.
• SPS-Specific Knowledge: We know SPS’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 on Contact UCMA and we’ll call you!

Select Portfolio Servicing (SPS) Contact Information

Verified Contact Details for Homeowners

If you need to submit documents or check your status directly, use the verified contact points below. Note: We recommend keeping a log of every person you speak to, including their name and ID number.

• SPS Borrower Portal: Log in to Select Portfolio Servicing
• Loss Mitigation Department: 888-349-8960
• Customer Service: 800-641-2754
• Loss Mitigation Fax: 801-269-4459
• Document Submission Fax: 801-293-3936

Trusted Government Resources

Verify Your Rights and Options

It is important to trust but verify. The following government agencies offer resources and oversight for mortgage borrowers:

• Consumer Financial Protection Bureau (CFPB): Access guides on mortgage relief and foreclosure protections at the CFPB Mortgage Help Page
• HUD-Avoid Foreclosure Information: How to avoid foreclosure via Department of Housing & Urban Development HUD.gov

Frequently Asked Questions (FAQ) for SPS Customers

Q: Can UCMA help if SPS has already denied my modification request? A: Yes. Denials are often the result of incomplete documentation or incorrect income calculations. Our team specializes in reviewing “denied” files, identifying the error, and resubmitting a corrected package that meets SPS guidelines.

Q: Does Select Portfolio Servicing offer principal reduction? A: While principal reduction is rare, SPS does offer modification programs that may include term extensions (up to 40 years) or interest rate reductions to lower your monthly payment. We analyze your financial situation to see which program you qualify for.

Q: Will applying for a modification stop my foreclosure date? A: Ideally, yes, but not always automatically. “Dual Tracking” rules prevent a servicer from foreclosing while a complete application is under review. However, disputes over what constitutes a “complete” application are common. UCMA ensures your file is certified complete to trigger these legal protections.

Q: How do I submit my loss mitigation documents to SPS? A: You can upload them via their online portal, mail them, or fax them to the Loss Mitigation Fax line at 801-269-4459. If you are a UCMA client, we handle this submission and verification process for you to ensure accuracy.

Get Help Now — Free Consultation

Call 1-800-474-1407 to speak with a foreclosure prevention expert or Contact UCMA. Trusted by Thousands Since 1997.

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 Gateway Mortgage loan modification help.