Horizon Bank Loan Modification & Foreclosure Prevention Assistance

Stop Foreclosure on Your Horizon Bank Mortgage – Helping Homeowners Since 1997

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.

You Don’t Have To Do This Alone. To Get Your Free Action Plan

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 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 A single missing signature or outdated bank statement can cause your application to be rejected or delayed for months.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.

• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

Real People — Real Results

“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 — See more Success Stories Here.

Have Questions? Don’t Wait Until it’s Too Late! 

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 within hours.

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.

• 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.

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 Horizon Bank’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.

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:

1. “Incomplete Application”: The most common reason. If the bank didn’t receive one page of a tax return, they can deny the whole file.
2. “NPV Negative”: The bank calculated that they would make more money foreclosing on your home than modifying your loan.
3. “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 Get Started?

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 1-800-474-1407 or Click Contact UCMA (name, phone and email address) or Apply Online and we’ll get back to you quickly.

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 Horizon Bank loan modification help.