US Bank Mortgage Assistance & Foreclosure Prevention

Is your home at risk with US Bank? You need more than a call center—you need an advocate.

Dealing with a mortgage default is terrifying. When your lender is a giant institution like US Bank, that fear is often compounded by confusion. You may have already experienced long hold times, unreturned messages, or the frustration of being told your file is “incomplete” after you’ve already sent your documents two or three times.

Since 1997, United Capital Mortgage Assistance (UCMA) has stood between homeowners and foreclosure. We don’t just fill out forms; we know the specific internal guidelines US Bank uses to approve or deny modifications. With over 25 years of experience, we have successfully negotiated thousands of resolutions, helping families stay in their homes when they thought all hope was lost.

The UCMA Advantage: Why Experience Matters

Navigating US Bank’s loss mitigation department requires persistence and specialized knowledge. Many homeowners try to handle this alone, only to run out of time because of administrative delays.

Why trust your home to UCMA?

• We Know the “US Bank Maze”: We know exactly where to send your documents to ensure they are logged and processed, bypassing the “black hole” of general fax numbers.
• 25+ Years of Authority: We have been stopping foreclosures since before the 2008 housing crisis. We understand the evolution of modification programs (from the old HAMP to today’s Flex Modification options).
• Foreclosure Stoppage Experts: Our primary directive is to stop further foreclosure action. We have a dedicated process for emergency escalations when a sale date is imminent.
• A “People-First” Approach: You will have a dedicated case manager who knows your name and your story—not a random representative reading from a script.

“They fought US Bank when I couldn’t. UCMA got my rate lowered and my arrears deferred. I finally sleep at night.” — Verified UCMA Client

Call 1-800-474-1407 or Click Here and We’ll Call You!

US Bank Loss Mitigation Contact Information

As part of our commitment to transparency and helpfulness, we provide the direct contact information you need to reach US Bank’s decision-makers. If you are trying to submit a “Request for Mortgage Assistance” (RMA) yourself, use the details below.

Online Portal:

• Login & Upload: US Bank Online Banking (Mortgage Dashboard)
• Application Email: MAP@usbank.com (PDF files only)

Department Phone Numbers:

• Loan Counseling / Default Resolution: 1-800-365-7900
• Mortgage Assistance / Single Point of Contact: 1-855-698-7627 

Fax Number for Documents:

• Loss Mitigation Fax: 1-877-903-6972 (Note: Always keep your transmission receipt as proof of delivery.)

Mailing Address for Applications: U.S. Bank Attn: Mortgage Assistance PO Box 211128 Eagan, MN 55121-4201

Government Resources for Homeowners

If you need additional guidance or want to verify your rights, these government agencies provide oversight and assistance:

• CFPB (Consumer Financial Protection Bureau): File a complaint if you believe US Bank is violating servicing laws. Visit consumerfinance.gov
• HUD (Dept. of Housing and Urban Development):Find a HUD-approved counselor near you. Visit HUD.gov
• Veterans Affairs (VA):If you have a VA loan with US Bank, the VA has technicians who can intervene. Visit VA Housing Assistance

Stop the Cycle of Denial and Delay. You have rights, and you have options. Let the experts who have been saving homes since 1997 handle US Bank for you.

Call 1-800-474-1407 or Click Here to Apply Online Free Consultation. No Obligation. Real Results.

Frequently Asked Questions: US Bank Modifications

Does US Bank offer principal reduction? Generally, US Bank (like most major servicers) prefers payment deferral or term extension over principal forgiveness. However, exceptions exist for certain investors (like FHA or private-label securities) or specific recovery programs. UCMA analyzes your specific loan type to see if this is a possibility.

How long does a US Bank review take? Officially, US Bank aims to review a complete application within 30 days. However, in reality, the process often takes 3 to 6 months due to “missing document” delays. UCMA expedites this by ensuring your package is “facially complete” before we ever hit send.

Can I stop a US Bank foreclosure auction? Yes. If a complete modification package is accepted for review usually 37 days before the sale date, the auction must be paused under federal law (Regulation X). Even if you are closer to the date, UCMA can often leverage emergency protocols to request a postponement.

What if US Bank denied my modification? Do not give up. Denials often happen due to calculation errors in income or “debt-to-income” ratios. UCMA can audit the denial, correct the math, and submit an appeal (usually required within 30 days of the denial letter).

• With UCMA’s know how, expertise and experience, you can rest assure that your Loan Modification will go through smoothly. Call United Capital Mortgage Assistance Today 1-800-474-1407.