Horizon Bank Loan Modification & Foreclosure Prevention Assistance
Stop Foreclosure on Your Horizon Bank Mortgage – Get Trusted Help Today
If you are falling behind on your mortgage payments with Horizon Bank, or if you have already received a Notice of Default, you are likely feeling overwhelmed, anxious, and unsure of where to turn. You are not alone.
At United Capital Mortgage Assistance (UCMA) , we specialize in helping homeowners navigate the complex and often confusing world of mortgage loss mitigation. Since 1997, we have dedicated ourselves to one mission: helping homeowners stop foreclosure and keep their homes.
We understand that Horizon Bank has specific guidelines and procedures for granting loan modifications. Trying to navigate their “Loss Mitigation” department on your own can lead to lost paperwork, unexplained denials, and wasted time you simply do not have.
Don’t Wait Until a Sale Date is Set! Call UCMA today for your Free Consultation at 1-800-474-1407 or Click Contact UCMA and we will call you!
Why Choose UCMA to Handle Your Horizon Bank Modification?
Experience Matters. For over 25 years, UCMA has successfully negotiated loan modifications for homeowners across the United States. We are not just form-fillers; we are advocates. We understand the “waterfalls” and Net Present Value (NPV) tests that lenders use to determine if you qualify for a rate reduction, term extension, or possible principal deferment.
We Know the Process. Horizon Bank, like many lenders, requires a very specific set of financial documents to review your file. A single missing signature or outdated bank statement can cause your application to be rejected or delayed for months. Our team ensures your package is complete, accurate, and professionally presented the first time.
Real Advocacy. UCMA handles 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. When you hire UCMA, we become your point of contact. We speak to Horizon Bank on your behalf, ensuring that your rights are protected and that your file is actually being reviewed—not just sitting in a pile.
“You told me you could help even though we got denied by our lender. My wife wanted to trust you, I am glad she did. Thank you sir, for helping us stop our foreclosure and keep our home.”
— R.K. and M.K., Mississippi
Don’t Wait Until it’s Too Late! Call UCMA at 1-800-474-1407 for your Free No Obligation Consultation!
Horizon Bank Mortgage Assistance Resources
If you are attempting to contact Horizon Bank directly regarding your hardship, it is critical that you have your loan number ready and document every interaction.
Horizon Bank Loss Mitigation & Customer Care
- Phone: 1-888-873-2640 (Ask for the Mortgage Assistance or Loss Mitigation Department)
- Mailing Address for Correspondence: Horizon Bank PO Box 800 Michigan City, IN 46361
Fax Numbers:
- Note: Fax numbers for Horizon Bank Loss Mitigation often change based on your specific case manager. Always verify the current fax number with your representative before sending sensitive financial documents.
Official Government Foreclosure Resources
We believe in empowering homeowners with verified information. While UCMA provides private, professional representation, the following government agencies also offer programs and counseling that may assist you:
- FHA Borrowers: HUD/FHA Avoid Foreclosure Options
- VA Loans: VA Help to Avoid Foreclosure
- State-by-State Aid: Homeowner Assistance Fund (HAF) Programs
Frequently Asked Questions (FAQ) for Horizon Bank Customers
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 Horizon Bank deny my loan modification request?
Denials are common and can happen for many reasons, including:
- “Incomplete Application”: The most common reason. If the bank didn’t receive one page of a tax return, they can deny the whole file.
- “NPV Negative”: The bank calculated that they would make more money foreclosing on your home than modifying your loan.
- “Surplus/Deficit”: Your income either didn’t show enough surplus to afford a new payment, or showed too much surplus (implying you can pay the arrears in full).
- How UCMA Helps: We analyze your income and expenses before submission to identify these red flags and present your hardship in the best possible light.
My Horizon Bank mortgage is an Adjustable Rate Mortgage (ARM). Can you help?
Yes. Many homeowners with ARMs face payment shock when their rates reset. We have extensive experience negotiating with lenders to convert adjustable-rate loans into fixed-rate loans, providing long-term stability for you and your family.
Why should I hire UCMA instead of doing it myself?
You have the right to apply for assistance on your own. However, foreclosure is a legal and financial crisis. Just as you would hire a CPA for a complex tax audit, hiring a foreclosure prevention expert ensures you have a professional navigating the guidelines, deadlines, and negotiations. We take the emotional stress out of the equation and fight for the best possible outcome.
Ready to Save Your Home?
Time is your most valuable asset when facing foreclosure. The longer you wait, the fewer options you may have.
Contact United Capital Mortgage Assistance Today.
- Call Toll-Free: 1-800-474-1407
Apply Online: Click Here to Start Your Free Assessment