Are You Behind on Your Specialized Loan Servicing (SLS) Mortgage Payments? 

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

UCMA handles the complex loss mitigation process to keep you in your home. We assist you in accurately completing all required Specialized Loan Servicing documentation, giving you the best chance for loan modification approval.

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.

You Don’t Have to Do This Alone. To Get Your Free 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 SLS / Shellpoint Loan Modification?

• 25+ Years of Experience: We have been successfully resolving mortgage delinquencies and negotiating with lenders since 1997.
• We handle the entire application process for you: From beginning to end, ensuring every detail is accurate to maximize your chances of stopping foreclosure and keeping your family in your home, while consistently giving you updates throughout the foreclosure prevention process.
• Direct Lender Access: We bypass general customer service queues and work directly with loss mitigation departments and their superiors.
• Full-Service Representation: From the initial application to your final signature, we handle the document preparation, the phone calls, and the negotiations.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

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 — See more Success Stories Here. 

Get your Free Consultation: 1-800-474-1407 or Click Contact UCMA or Apply Online and we’ll reach right back out to you.

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

Our Proven Foreclosure Prevention Process

• Step 1: Free Eligibility Review We analyze your financial hardship, evaluate your loan type (FHA, VA, Fannie Mae, Freddie Mac, Conventional), and determine your best home retention options.
• Step 2: Strategic Document Preparation Missing paperwork is the #1 reason lenders deny modifications. We prepare a flawless, comprehensive package that meets your specific servicer’s strict debt-to-income (DTI) guidelines.
• Step 3: Aggressive Lender Negotiation We submit your file urgently to trigger “Dual Tracking” protections—which legally prevents your lender from foreclosing while your complete modification application is under review.
• Step 4: Long-Term Mortgage Relief Whether it is an interest rate reduction, a term extension (up to 40 years), or a principal deferment, we fight for terms you can actually afford.

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? 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? 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? 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.

Stop the Stress. Start the Solution

Don’t fight their Loss Mitigation Department. Let the experts at United Capital Mortgage Assistance fight for you.

Call 1-800-474-1407 or Click Get My No Cost Review or Check My Eligibility and we’ll get right back with you.

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 your loan modification help.