Stop MGC Mortgage Foreclosure & Get Approved for a Loan Modification

Trusted Help for MGC Mortgage Borrowers Since 1997

Are you falling behind on payments with MGC Mortgage? You are not alone. Whether you are facing “payment shock” from an adjustable rate, unapplied suspense funds, or difficulty reaching a live person in their Plano, Texas office, United Capital Mortgage Assistance (UCMA) is here to help.

We don’t just send forms; we advocate for you. With over 25 years of experience stopping foreclosure, we know exactly how to navigate MGC Mortgage’s specific loss mitigation protocols to save your home.

Why Choose UCMA for Your MGC Mortgage Modification?

Homeowners often report that dealing with MGC Mortgage (sometimes confused with similar servicers or investors) can be frustrating. Common complaints include long hold times, documents getting “lost” in the fax machine, or confusion over deferment payments.

• Since 1997, UCMA has successfully navigated the most complex foreclosure cases.
• We understand the internal escalation contacts at MGC Mortgage and how to package your application so it gets approved, not rejected.
• Proven Track Record: We have been saving homes for 25+ years.
• Direct Negotiation: We handle the calls, the faxes, and the hard questions so you don’t have to.
• Foreclosure Prevention Experts: We specialize in resolving “Dual Tracking” issues where the lender moves toward foreclosure while you are still applying for help.

Real Client Success: “Thank you for your tireless work to save our home. After dealing with my lender for months, receiving no help and getting the run around, I contacted United Capital Mortgage Assistance. I am incredibly grateful for UCMA’s dedication. When my lender said no, they kept fighting. They are the reason I still have my home.” — C.B., Colorado

Need Help Now? Call 1-800-474-1407 for your Free Consultation or Click Contact UCMA and we will call you!

MGC Mortgage Contact Information

If you are attempting to handle this on your own, it is critical that you contact the correct department. MGC Mortgage generally handles loss mitigation through their servicing division.   

• Customer Service / Loss Mitigation: 1-877-471-7888   
• MGC Mortgage Website: MGC Mortgage Portal   
• Payment & Correspondence Address: MGC Mortgage, Inc. O. Box 25068 Plano, TX 75025

(Note: Always verify fax numbers directly with a representative as they change frequently based on your assigned negotiator.)

Free Government Resources for Homeowners

We believe in empowering you with every available tool. In addition to our private advocacy, the following government agencies offer free resources and oversight.

• Consumer Financial Protection Bureau (CFPB): Mortgage Help Resources
  • The CFPB protects consumers from unfair practices and provides verified information on avoiding foreclosure.
• S. Dept. of Housing and Urban Development (HUD): Avoid Foreclosure Options
  • HUD offers free housing counseling services and guides for FHA borrowers.
• Veterans Affairs (VA): VA Housing Assistance
  • If you have a VA loan, this page outlines specific protections for veterans.

Take Action Before It’s Too Late

Time is your most valuable asset. If you have received a Notice of Default or have a foreclosure auction date scheduled, you must act immediately.

Call UCMA Now for a Free Consultation:

1-800-474-1407

Contact UCMA | Apply Online

Frequently Asked Questions (FAQ)

Q: What is a “Trial Plan” or TPP?

A: A Trial Period Plan (TPP) is usually the first step in a permanent loan modification. It typically lasts 3 months. During this time, you must make your new, estimated payment on time, every single month.

• Why it matters:If you miss a single payment during the trial, the modification will be denied, and foreclosure will resume immediately.
• The UCMA Advantage:We monitor your trial plan to ensure the lender acknowledges receipt of your payments and converts your plan into a permanent modification on time.

Q: Why did MGC Mortgage 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: Can I stop a foreclosure date if I have already received a Notice of Sale?

A: Often, yes. If a complete modification package is submitted to MGC’s loss mitigation department more than 37 days before the sale, federal law (Regulation X) usually requires them to pause the foreclosure to review your file. Time is critical—call us immediately at 1-800-474-1407 if you have a sale date.

Q: Why should I pay UCMA when I can do this myself?

A: You can do it yourself, just like you can represent yourself in court. However, mortgage servicing rules are complex. One missed deadline, one unchecked box, or one calculation error can result in the loss of your home.

• We are experts: We have done this for 25+ years.
• We provide peace of mind: We handle the stress, the calls, and the paperwork.   

We get results: We know how to push back when a lender unfairly says “No”.

Ready to Save Your Home?

Don’t wait for the Sheriff’s sale. Get the help you deserve today.   

United Capital Mortgage Assistance — Call Toll-Free: 1-800-474-1407 or Click on Contact UCMA and we’ll call you!