Are You Behind on Your Specialized Loan Servicing (SLS) Mortgage Payments? We Can Help.

Don’t face Specialized Loan Servicing alone. Get the expert help you need to stop foreclosure and save your home.

If you are struggling with your mortgage payments to Specialized Loan Servicing (SLS), you are not alone. SLS is a major servicer often dealing with complex or distressed loans. Navigating their loss mitigation department can be frustrating, especially with the recent servicing transfers and mergers involving Shellpoint Mortgage Servicing and Newrez.

At United Capital Mortgage Assistance (UCMA), we have been a trusted advocate for homeowners since 1997. We know exactly how to navigate SLS’s systems to stop foreclosure auctions and negotiate sustainable loan modifications.

Why Choose UCMA for Your SLS/Shellpoint Loan Modification?

Experience That Matters We have been helping homeowners stop foreclosure since 1997. We don’t just fill out forms; we advocate for you.

Proven Results

“They played hardball and saved my home!” “I was terrified I would lose my house. SLS kept asking for the same documents over and over, and the sale date was getting closer. I called UCMA, and they took over everything. They got in touch with the lender, stopped the foreclosure, and got my modification approved. I can finally sleep at night. Thank you, UCMA!” — R.S., Real UCMA Client

We Do The Heavy Lifting

• Document Preparation: We prepare and submit all required forms to SLS/Shellpoint, ensuring accuracy to avoid rejection.
• Direct Negotiation: We advocate directly with the loss mitigation department on your behalf.
• Status Monitoring: We track your file every step of the way, so you are never left guessing.

Get Your Free Consultation: 1-800-474-1407 or Click Contact UCMA and we will call you!

“They played hardball and saved my home!” “I was terrified I would lose my house. SLS kept asking for the same documents over and over, and the sale date was getting closer. I called UCMA, and they took over everything. They got in touch with the lender, stopped the foreclosure, and got my modification approved. I can finally sleep at night. Thank you, UCMA!” — R.S., Real UCMA Client

Specialized Loan Servicing (SLS) Contact Information

Note: Specialized Loan Servicing has recently undergone significant operational mergers with Shellpoint Mortgage Servicing (Newrez) . You may be redirected to Shellpoint or Newrez portals for login.

Important Loss Mitigation Numbers:

• Loss Mitigation Phone: 1-800-306-6059 (Legacy SLS) or 1-866-825-2174 (Newrez / Shellpoint Loss Mit)
• Customer Service: 1-800-315-4757
• Loss Mitigation Fax: 720-241-7526 or 1-866-467-1187
• Borrower Portal: SLS/Shellpoint/Newrez Mortgage Portal

Need help reaching them? Call UCMA at 1-800-474-1407 for a FREE consultation.

Official Government Resources

If you need additional assistance or verification, these government agencies provide free resources for homeowners:

• CFPB Mortgage Help: Consumer Financial Protection Bureau Mortgage Resources
• FHA Foreclosure Help: HUD/FHA Avoid Foreclosure Options
• VA Mortgage Assistance: VA Housing Assistance & Foreclosure Prevention

Frequently Asked Questions (FAQ) for SLS Customers

Q: I heard SLS was bought by Shellpoint. Who do I talk to? 

A: Yes, Specialized Loan Servicing (SLS) was acquired, and many loans have moved to the Shellpoint/Newrez platform. This can cause confusion with account numbers and document submissions. UCMA verifies exactly who holds your loan notes to ensure your modification application goes to the right office the first time, preventing costly delays.

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.

Q: Why did SLS/Shellpoint deny my loan modification?

A: Denial is common, but it is often not the final word. Common reasons include:

1. “Incomplete Application”:You sent the documents, but they claim they never received page 4 of your bank statement.
2. “NPV Negative”:The lender’s “Net Present Value” test claims they make more money foreclosing than modifying your loan.
3. Surplus/Deficit Income:You either showed too much income (meaning you can afford the arrears) or too little (meaning you can’t afford the new payment).

• Solution: UCMA reviews your financials before submission to ensure they meet investor guidelines, drastically reducing the chance of an avoidable denial.

Q: Why should I pay UCMA when I can talk to SLS myself? 

A: You absolutely can work with them yourself. However, the process is complex, and one mistake—like checking the wrong box on a financial statement or failing to provide a specific document within their time frame—can lead to a denial. UCMA acts as your professional representative, ensuring your application is perfect, your income is calculated correctly to qualify, and your rights are protected against servicer errors.

Ready to Save Your Home?

Don’t let paperwork errors cost you your family’s home. Let the experts at United Capital Mortgage Assistance fight for you.

Call Toll-Free: 1-800-474-1407 for your Free Consultation or Click Here to Contact UCMA Online