Expert Help for Homeowners Facing Foreclosure with Truist Bank

Get Trusted Loan Modification Help — Stopping Foreclosure 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 completing all required Truist documentation, giving you the best chance for your loan modification approval. 

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) and we’ll reach out to you within hours or the next business day.

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: We focus on practical, non-bankruptcy alternatives to keep you in your home.

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 (Actual UCMA Client) — See more Success Stories Here.

Have Questions, Been Denied or Receive Attorney Letters?

Call 1-800-474-1407 For Your FREE Consultation or Click Contact UCMA (name, phone and email address) and we will reach out to you within hours. Trusted by homeowners nationwide for greater than 25 years.

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 Truist’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.

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

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 (name, phone and email address) or Apply Online and you’ll hear back from us in not time.

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.

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.