Having trouble making your mortgage payments?

If you need mortgage assistance, Citizens offers solutions to help you stay in your home.

Options to help you stay in your home

Repayment Plans

If you have the ability to resume making payments in addition to a portion of the past due payment(s), a repayment plan could work for you.

Loan Modification

If you wish to remain in your home, but need to explore ways to adjust your monthly payments to bring your loan current, we may be able to modify your loan.

Forbearance

Experiencing a short-term hardship? We may be able to temporarily suspend or reduce your monthly mortgage payments with a forbearance.

Refinance

If you are current on your mortgage and wish to take advantage of lower interest rates and affordable monthly payments, refinancing may be a smart choice. Contact a home loan originator today at 1-888-207-1667 to discuss your refinancing options.

Options to relieve you of your home

Short Sale

Owe more money on your mortgage than your home is worth? A short sale, which allows you to sell your home and settle your mortgage debt for less than you owe, may be right for you. In some instances, relocation assistance may be available.

Deed in Lieu

A deed in lieu allows you to transfer the ownership of your property to us in order to avoid foreclosure. In some instances, relocation assistance may be available.

Forms:

Below are forms you may need to complete to determine your eligibility for certain options:

Get the assistance you need at our Loan Solution Center

If you're experiencing difficulty with your mortgage payments, it's important to contact us immediately. Our online Loan Solution Center makes it easy. To enroll, you'll need the following information:

  • Loan number
  • Property address
  • Proof of income
  • Current bank statement
  • Itemized expenses
  • Most recent W-2
  • If you are self-employed, we will need your most recent tax return and a copy of your Profit and Loss Statement
  • A summary of your current or anticipated circumstances warranting the need for assistance

Enroll Now

We're ready to help

You may contact us at 1-800-456-8855 (Monday through Friday from 8 a.m. to 8 p.m. ET) to discuss your options and work with us toward a solution.

Additional resources

The Department of Housing and Urban Development (HUD) offers homeownership counseling at no charge. To locate counseling agencies or programs in your area, call 1-800-569-4287, TDD 1-800-877-8339.

Free Online Financial Wellness Tool

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Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Offers may be withdrawn without notice. Equal Housing Lender Logo Equal Housing Lender.