Expert Help for Homeowners Facing Foreclosure with Truist Bank

Get Trusted Loan Modification Help — Stopping Foreclosure with Loan Modifications Since 1997

If you are falling behind on mortgage payments to Truist Bank, you are likely dealing with one of the largest servicers in the nation. Whether your loan originated with Truist directly, or was transferred from BB&T or SunTrust, the process for saving your home is now centralized through the Truist Home Preservation Center.

At United Capital Mortgage Assistance (UCMA), we have decades of experience helping homeowners successfully negotiate with these specific banks. We know the documentation Truist Bank requires, the timelines they operate under, and the specific escalation paths necessary to pause a sale date and negotiate a sustainable loan modification.

UCMA handles the complex loss mitigation process to keep you in your home. We assist you in accurately filling out and completing all required Truist documentation, including their Financial Forms, giving you the best chance for your loan modification approval. 

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

Click Contact UCMA and we’ll reach right back out to you or  Call 1-800-474-1407 today for your Free No-Obligation Consultation.

Why Choose UCMA to Handle Your Truist Modification?

We are not just a document preparation service; we are your advocates. When you hire UCMA, you gain a partner who knows the Truist system inside and out.

• 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: You don’t have to file for bankruptcy to save your home from foreclosure. We provide the expert negotiation needed to reach a sustainable agreement with your mortgage lender without bankruptcy.

Start Your Free Action Plan Today

Real People — Real Help

“I was terrified when I received the Notice of Intent to Accelerate from Truist. UCMA took over, handled all the calls, and got me a modification that lowered my payment by $300 a month.” — David R. — North Carolina — See more Success Stories Here.

Have Questions, Been Denied or Receive Attorney Letters?

Call 1-800-474-1407 For Your FREE Consultation or Apply Online and we will reach out to you within hours. Trusted by homeowners nationwide for greater than 25 years.

Our Proven Loan Modification 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.

Stop The Foreclosure Clock Today

Time is critical. If you have missed more than two payments, Truist may already be moving toward legal action.

Don’t Let Truist Take Your Home!

Call 1-800-474-1407 For Your FREE Consultation or Click Get My Free Action Plan or Apply Online and you’ll hear right back from us.

The Truist Home Preservation Process

Truist has a dedicated department for homeowners in financial distress. Unlike a standard customer service call, dealing with the “Loss Mitigation” department requires specific forms and precise financial data.

Key Contact Information for Truist Borrowers:

 IMPORTANT: BEFORE YOU CALL – Truist is known for requesting the same documents time and time again. We ‘Lock In’ your application to prevent any claims its’ incomplete. Call us: 1-800-474-1407 and keep your home.

• Department: Truist Home Preservation Center
• Loss Mitigation Phone: 800-443-1032
• Document Fax Number: 877-589-0758, opens in new tab
• Mailing Address for Documents: Truist Bank Attn: VA_RVW-5113 P.O. Box 26150 Richmond, VA 23260

Expert Tip: If you are self-employed, Truist is particularly strict about Profit & Loss (P&L) statements. They often require a year-to-date P&L signed and dated within the last 30 days. Our team ensures your financial package is audit-ready before we submit it to avoid unnecessary denials.

Legacy Loans: BB&T and SunTrust

If your mortgage statement used to say BB&T or SunTrust, your loan is now serviced by Truist, but the “investor” (the entity that actually owns your loan) may not have changed.

Why this matters: The rules for your modification—such as whether you can defer payments to the end of the loan or lower your interest rate—are often dictated by the investor (e.g., FHA, Fannie Mae, Freddie Mac, or a private trust), not just Truist.

Government Resources & Verification

To ensure you are informed of your rights, we recommend verifying information with official government sources.

• CFPB (Consumer Financial Protection Bureau): Mortgage Relief Guidelines
• Resource for understanding federal protections against “Dual Tracking” (when a bank forecloses while reviewing your application).
• HUD (Dept. of Housing and Urban Development): Avoid Foreclosure
• Official source for counseling and FHA loan guidelines.
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• Check if your state has grant money available to pay valid Truist mortgage arrears.
• HAF (Homeowner Assistance Fund): Find Your State Program

For greater than 25 years UCMA has helped homeowners stay in their homes.

Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your Truist loan modification help.