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

Professional Loan Modification Assistance & Foreclosure Help Since 1997

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 homeowners nationwide navigate the complex loss mitigation process. We specialize in overturning denials and negotiating terms that allow you to keep your home.

We know the documentation Select Portfolio Servicing requires, the timelines they operate under, and the specific escalation paths necessary to pause a sale date and negotiate a sustainable loan modification.

UCMA handles the complex loss mitigation process to keep you in your home. We assist you in accurately completing all required Select Portfolio Servicing 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 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.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

Have Questions, Been Denied or Received Attorney Letters? 

Get your questions answered! ️ Call 1-800-474-1407 or Click Contact UCMA (name, phone and email address) or Apply Online and we’ll reach right back out to you. We won’t Dilly-Dally.

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

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 Select Portfolio’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

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.

Don’t Let Select Portfolio Servicing Take Your Home!

️ Call 1-800-474-1407 or Click Get My No Cost Review or Check My Eligibility and we’ll contact within hours or the next business day. Trusted by Thousands Since 1997.

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 Select Portfolio Servicing loan modification help. Give us a call today.