Having trouble making your mortgage payments?

We’re here to help you explore your options and find the right solution for you.

Repayment plans

Fallen behind but ready to catch up? A repayment plan lets you gradually pay off missed payments along with your regular mortgage payment.

Loan Modification

Need a more affordable payment? We may be able to change the terms of your loan to help.

Forbearance

Going through a short-term hardship? We can temporarily pause or reduce your mortgage payments to give you time to recover and you can repay the payments later.

Refinance

If you're current on your mortgage loan, refinancing could lower your interest rate, reduce your payments or access equity.

Payment Deferrals

A payment deferral can delay your mortgage payments. All missed payments will be due when your loan is paid in full or by the maturity date, whichever occurs first.

Short Sale

Owe more money on your mortgage loan 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.

Deed-in-Lieu of Foreclosure

If you can no longer afford your mortgage, a deed-in-lieu of foreclosure is a way for you to voluntarily transfer ownership of your home to us to avoid foreclosure.

Selling Property

If keeping up with your mortgage payments has become difficult, selling your home may be a practical way to avoid foreclosure. The sale proceeds can help pay off your mortgage and any extra is yours to keep.

Foreclosure

Foreclosure is a legal process that can occur if mortgage payments are not made as required which can result in default and the home being sold to repay the outstanding balance.

If you're having difficulty making mortgage payments, please contact us right away. Applications are submitted using a trusted third-party portal. Our team will work with you to explore available solutions.

Applying online is fast and easy

To apply, you must:

Register in the Loan Solution Center (have your loan number ready)
Create a username and password
Complete the questionnaire
Download application forms
Upload completed application forms and required documents

You may need:

Proof of income
Recent bank statements
A summary of financial hardship

Citizens will review your application and notify you of your eligibility status.

Apply for assistance

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 Offers may be withdrawn without notice.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.