Expert Help for Homeowners Facing Foreclosure with Truist Bank

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 banking entities. We understand Truist’s distinct internal timelines, their specific document requirements, and how to escalate files that get stuck in their system.

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:

• 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

The Challenge: Many homeowners report that applying on their own can be frustrating. Documents often go missing, or the “30-day review clock” resets because of a single outdated pay stub. Truist requires a complete Borrower Response Package, which typically includes:

• IRS Form 4506-C (Request for Transcript of Tax Return)
• Truist Mortgage Assistance Application (Form 710)
• Hardship Affidavit
• 30 days of recent pay stubs

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., Fannie Mae, Freddie Mac, or a private trust), not just Truist.
  • How UCMA helps: We identify who truly owns your loan to determine exactly which modification programs you qualify for under federal and investor guidelines. Contact UCMA today 1-800-474-1407 — Trusted by Thousands Since 1997.

• 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.
  • HAF (Homeowner Assistance Fund): Find Your State Program
    • Check if your state has grant money available to pay valid Truist mortgage arrears.

  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.

  • Direct Communication: We speak directly with Truist negotiators so you don’t have to spend hours on hold.
  • Audit-Proofing: We review your income and hardship documents to ensure they meet Truist’s underwriting standards before submission.
  • Proven Results: We have helped thousands of homeowners modify their loans and stop foreclosure sales.

  “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)

  Stop The Foreclosure Clock Today

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

  Ready to Take Action? For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.