Where can I send e-mail requests? [email protected]

What are your hours and phone numbers?

Customer Service

Phone: (800) 266-7661   Fax: (517) 336-0497

24-Hour automated loan information by phone

Phone: (833) FNB-DATA or 833-362-3282

Monday through Friday – 8:00 AM to 5:30 PM (Eastern Time)

Saturday – 9:00 AM to 1:00 PM (Eastern Time)

Credit Services (Payment issues)

Phone: (800) 642-4578

Monday through Friday – 8:00 AM to 9:00 PM (Eastern Time)

Saturday – 9:00 AM to 3:00 PM (Eastern Time)

Insurance

Phone: (800) 266-7661 Fax: (517) 336-8429

Monday through Friday – 8:00 AM to 5:00 PM (Eastern Time)

Taxes and Escrow

Phone: (800) 266-7661 Fax: (517) 336-8428

Monday through Friday – 8:00 AM to 5:00 PM (Eastern Time)

What if I can no longer afford my home and/or don’t want to keep it?

We have a number of options available. To discuss these options, please call (800) 642-4578 to speak with a credit services representative.

What if I start having financial problems and can’t make my payment in a timely manner?

If you are having financial difficulties, it is always best to make us aware of your situation. We may have a payment program available to help you through your financial hardship. To learn more, call (800) 642-4578 to speak with a credit services representative.

What if my loan is in foreclosure and I want to reinstate my mortgage?

You can reinstate your mortgage at any time up to the foreclosure sale date if you pay all past due payments plus any fees and costs associated with the foreclosure. There are a few states, such as Michigan, where the mortgagor can redeem the property after the Sheriff’s sale date. Redemption of the property requires a total due payment to a court official. The total due payment is the amount established by the foreclosure action.

My spouse is obligated to make the mortgage payments under our divorce agreement. Am I still liable?

If you signed the contract, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.

If I deeded my interest in the property to my spouse or someone else, does this remove any liability?

No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your contract and mortgage.

What is your overnight mailing address?
(Dept. or Contact Name)
First National Bank of America
241 East Saginaw Street
East Lansing, MI 48823

What is your e-mail address to send requests?
[email protected]

When can I contact First National Bank of America?
Customer Service
Phone: (800) 266-7661
Fax: (517) 336-0497
Monday through Friday – 8:00AM to 5:30PM (Eastern Time)
Saturday – 9:00AM to 1:00PM (Eastern Time)

Credit Services (Payment Issues)
Phone: (800) 642-4578
Monday through Friday – 8:00AM to 9:00PM (Eastern Time)
Saturday – 9:00AM to 1:00PM (Eastern Time)

Insurance
Phone: (800) 266-7661
Fax: (517) 336-8429
Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

Taxes and Escrow
Phone: (800) 266-7661
Fax: (517) 336-8428
Monday through Friday – 8:00AM to 5:00PM (Eastern Time)

What do I do if a name needs to be changed on my loan due to marriage, divorce, and death?
All name changes must be requested in writing along with supporting legal documentation such as a divorce decree, recorded deed, a marriage certificate or a death certificate. Send the request to:
Attn: Customer Service
First National Bank of America
PO Box 980
East Lansing, MI 48826

What should I do if I want to have someone call on my behalf for information on my loan?
If the other person’s name is not listed on the note, we do require customer authorization in writing before we can release any information. Fax the request to (517) 336-0497 or to email your request CLICK HERE. The restriction could include a spouse that is not on the note but pays the mortgage every month. The restriction on sharing information is designed to protect your identity from unwanted inquiries into your private information.

How do I change my address?
Address changes must be requested in writing. An address change cannot be made over the telephone for security purposes. To change your address either submit a note with the new address when you make your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”. You may also change your address via email by CLICKING HERE to send an email with the proper information or CLICK HERE to print a copy of a “change of address request form”  that you can complete and mail to First National Bank of America.

What is the difference between a typical mortgage and a land contract?
A land contact is a property installment selling agreement whereby the purchaser may occupy and use the land, but no deed is given by the seller until a specified part of the sales price has been paid. For a typical mortgage, the borrower is deeded the property and signs a legal document pledging their property as security in order to obtain a loan.

My spouse is obligated to make the mortgage payments under our Divorce Agreement. Am I still liable?
If you signed the note and mortgage, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.

If I deeded my interest in the property to my spouse or someone else, does this remove any liability?
No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your note and mortgage.

I am escrowed for taxes and I received a tax bill. What do I do?
If you have an escrow account, we will pay your real estate taxes for you using your escrow account. Please send us your tax bills if you receive them. It is your responsibility to pay non-real estate bills (such as water, sewer, or solid waste) or any other supplemental tax bills that are not included in the regular real estate bill.
Please forward the tax bill to: First National Bank of America Attn: Tax Department P.O. Box 980 East Lansing, MI 48826

What should I do if my tax payments are not escrowed?
If you do not have an escrow account, you are responsible for paying your property taxes directly. You are expected to pay the full amount of the taxes owed on or before the date they are due. Once you have paid your property tax bill please forward a copy of the payment receipt to:
First National Bank of America Attn: Tax Department P.O. Box 980 East Lansing, MI 48826

I would like to have First National Bank of America set up an escrow for taxes and/or insurance. What should I do?
If you wish to establish an escrow account, contact our Escrow Department at: (800) 266-7661.

I just received my escrow analysis. Why did my monthly escrow payment increase?
An escrow payment is increased after an escrow analysis has been performed by First National Bank of America in which the property tax or hazard insurance amounts have increased from the previous year. First National Bank of America pays your taxes and/or insurance in the amount billed by your tax collector or insurance company. Please contact your local tax collector or insurance company for information pertaining to tax amounts, increases or decreases, assessed values, tax rates, copies of your tax receipts and insurance premium information.

What is a Homestead Exemption? How do I qualify?
A homestead exemption is granted by the county tax department. It may reduce the property taxes paid by the property owner. You may be eligible for a Homestead Exemption depending on your age and where you live. Call your tax collector to determine if you qualify and how to apply. First National Bank of America cannot apply for you. If you do qualify, please send a copy of the completed homestead exemption form to:
First National Bank of America
Attn: Tax Department
P.O. Box 980
East Lansing, MI 48826

What is a tax and/or insurance escrow?
A tax and/or insurance escrow is an agreement between the lender and borrower where the borrower pays monthly into an account an amount equal to 1/12th the total property tax and/or hazard insurance premium due for a 12 month period plus a two month cushion, which helps offset any future tax and/or insurance increases.  The escrow account is administered by the lender and is most often a non-interest bearing account. The escrow funds are disbursed by the lender for payment of property tax and hazard insurance premiums when due.

What are the Escrow Services Department hours?
Escrow specialists are available Monday through Friday from 8AM to 5PM.

I would like to have First National Bank of America set up an escrow for taxes and/or insurance. What do I do?
If you wish to establish an escrow account, contact our Escrow Department at: (800) 266-7661.

I just received my escrow analysis. Why did my monthly escrow payment increase?
An escrow payment is increased after an escrow analysis has been performed by First National Bank of America in which the property tax or hazard insurance amounts have increased from the previous year. First National Bank of America pays your taxes and/or insurance in the amount billed by your tax collector or insurance company. Please contact your local tax collector or insurance company for information pertaining to tax amounts, increases or decreases, assessed values, tax rates, copies of your tax receipts and insurance premium information.

What is a CPI fee?
Current property insurance is required to be on file for most loans. If your insurance changes in any way, please send a copy of the new policy to us. If we do not have evidence of active property insurance on file, we may obtain coverage on the current balance due only, (called Collateral Protection Insurance or ‘CPI’) from an agency of our choice and your account will be charged accordingly.

Where is the CPI Fee and CPI Premium listed on my invoice?

The CPI premium is listed on the front of your monthly invoice as collateral protection insurance due. The amount listed is the premium for the month. The monthly CPI fee, currently $8.50, is discussed on the reverse side of your monthly invoice. Any unpaid CPI fees accumulate on the front of your monthly invoice as part of the outstanding fees due amount.

I have my own insurance, so why am I being charged a CPI (collateral protection insurance) fee?
If you have a current hazard insurance policy it is possible to discontinue the “CPI” charges. To show that you have a current hazard insurance policy, contact your insurance provider. Ask your insurance company to fax a copy of the “declaration” page or proof of insurance to (517) 336-8429. Make sure they list First National Bank of America as the mortgagee. Please allow 2-3 days for this information to be updated before calling to verify receipt. The CPI fee may be removed if you provide sufficient proof that you had insurance in affect when the CPI fee was assessed.

My insurance company wants the “mortgagee clause” to add to the declaration page of my insurance policy. What is it?
FNBA-ISAOA/ATIMA
P.O. Box 980
East Lansing, MI 48826

My property was damaged, what should I do?

• Contact your insurance company to begin the claims process and notify FNBA’s Insurance Department at (800) 266-7661 ext.8960.
• If your property is covered through FNBA’s Collateral Protection Insurance, contact First National Bank of America’s Insurance Department at (800) 266-7661 to begin the claims process.

I had to make a claim against my Homeowners Insurance. What should I do with the check?
Follow this Insurance Claim Checklist:

• Send in insurance claim check endorsed by you.
• Send or fax a copy of the insurance claim to First National Bank of America.
• Send or fax a copy of the adjuster’s estimate.
• What is the plan for repair or rebuild?

If the work is to be done by yourself:

• Payments must be up to date on your account.
• Up to 1/3 of funds will be disbursed upfront to begin work.
• You must provide pictures (before, during, and after) and receipts to show work completed for disbursement of funds.
• Disbursement Checks will be sent payable to borrower.

If the work is being done by a contractor:

• Payments must be up to date on your account
• Send a copy of the Contractors estimate
• Up to ½ of funds will be disbursed for the contractor to begin work. The check will be sent to the borrower and will be payable to the borrower and the contractor.
• You must provide pictures (before, during, and after) and receipts to show work completed for disbursement of funds.
• When the work is complete, the contractor must sign a “Lien Waiver”
• Borrower must sign a “Statement of Satisfaction” when the work is complete.
• Final Disbursement checks for contractor’s work will be payable to the borrower and the contractor with the check being sent to the borrower. Please call our insurance department for assistance at: (800) 266-7661 ext. 8960

When will I receive my year-end interest statement?

IRS guidelines require tax form 1098 to be post-marked no later than January 31st. Most loans will receive a 1098, however since filing is not required on  certain loans, a payment history can be provided, showing the interest payments, as many times interest is deductible. Please check with your tax professional.

I live in Texas. When will I receive my statement for year-end reporting?

Texas state law requires annual accounting statements be post-marked no later than January 31st.

When will I receive my Notice of Annual Accounting Statement?

Notice of Annual Accounting Statement is prepared for certain account types in Texas according to state law. Please contact Customer Service to find out if your note qualifies.

What information is included on my year-end statement?

Year-end statements include interest paid YTD on the real estate note, as well as tax premiums paid from escrow by First National Bank of America.

Where will my statement be sent?

Annual statements are mailed to the address on record as of December 31st. Please notify us in writing prior to that date if your mailing address has changed.

When are my payments due?
Your payment due date was established when you originated your loan and is stated in your contract. Due dates vary, so it’s a good idea to look at your note to see which day your payment is due.

Is it possible to change my current due date?
A change to the due date can only be done once during the life of the loan. The loan must be in current standing before changes can be made and a one-time charge for the interest accrual from your current due date to the new due date will be collected.

To request a change, First National Bank of America must receive a written request including the desired payment date and your account number. Please CLICK HERE to submit your request by email or mail your request to:
Attn: Customer Service
First National Bank of America
PO Box 980
East Lansing, MI 48826

How do I change my address?
To change your address either submit a written request including the new address with your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”.  CLICK HERE to print a copy of a “change of address request form” or CLICK HERE to email your request to submit without your payment.
Please be sure to include:

• Your account number
• Your old address
• Your new address

For security purposes, address change requests cannot be made over the phone.

What payment options are available?
Pay online

Access FNBA.com
Select “Loan Login”
There is a $2.00 fee for E-Checks and a $15.00 fee for Debit Cards

Automatic Payment:
Automatic payments can be set up using our Auto Pay service. There is no charge to set up an automatic payment. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800) 266-7661 ext. 8904, or CLICK HERE to print the form and mail it to First National Bank of America.

Pay by phone:
Our (888) PAY-FNBA or (888) 729-3622 phone pay hotline is available 24 hours, 7 days a week. The Access Code needed – 50653788. Please have a copy of your Routing number and Checking or Savings account number ready upon request. You must be the owner of the bank account you wish to use or obtain written consent from the account owner. There is a $5 fee for this service.
*Debit cards are not accepted at this time.

In person at one of our 3 branch locations:

241 East Saginaw Street                                      4660 Kalamazoo Ave., SE                                 315 N. Division St.
East Lansing, MI                                                    Grand Rapids, MI                                              Traverse City, MI

Pay by mail – send to:

First National Bank of America

Attn: Payment Processing

PO Box 980
East Lansing, MI 48826
*Please include your FNBA account number.

Overnight/express mail – send to:
First National Bank of America

Attn: Payment Processing
241 East Saginaw
East Lansing, MI 48823
*Please include your FNBA account number.

Western Union Quick Collect:

Find a nearby Western Union Quick Collect Agent Location at www.westernunion.com or by calling 1-800-325-6000.  Complete the blue Quick Collect Form at the location.

• Pay to: FNBA
• Code city:  Palace
• State:  MI
• Include your Account Number

*Western Union charges a fee for this service.

MoneyGram Express Payment:

Call 1-800-Moneygram to find the MoneyGram agent location closest to you

*MoneyGram charges a fee for this service.

I don’t have an invoice. How do I make my payment?
You may send your payment to:
Attn: Payment Processing
First National Bank of America
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

I never received my invoice, so why must I pay the monthly payment?
First National Bank of America provides a monthly invoice for your convenience. However, it is your responsibility to make every payment on time whether or not you receive an invoice. If you need to make other payment arrangements, you may call our credit service department at: (800) 642-4578 between the hours of:

Monday through Friday – 8:00 AM to 5:30 PM (Eastern Time)

Saturday – 9:00 AM to 1:00 PM (Eastern Time)

Wire Instructions:
Wire instructions can be obtained by calling (800) 266-7661 ext. 8904

How do I sign up for AUTOMATIC PAYMENTS to be deducted monthly from my checking or savings account?
If you elect to have your payments automatically deducted from a bank account, you must complete an “Auto Pay” form.
You may call customer service at: (800) 266-7661 ext. 8904 to receive the form orCLICK HERE to print the form and mail it to First National Bank of America.

What is your overnight mailing address?
(Dept. or Contact Name)
First National Bank of America
241 East Saginaw Street
East Lansing, MI 48823

Will you accept less than the total amount due?
Generally it is not our policy to accept partial payments without prior arrangements. Rather than making a partial payment, please call (800) 642-4578 to speak to a representative. We may have a program available to you that will permit a period of delay or forbearance.

What is the “grace period”?
Your payment is considered past due if not received by the due date. However, most notes provide a period of time after the due date for payments to be received before a late charge is assessed. Grace periods and late fees will only be charged according to the terms of your note. To avoid the risk of damage to your credit or the assessment of a late charge, it is recommended that every effort be made to ensure your payment is received by the due date. Payments on or before the due date will assure that the loan will properly amortize as we collect all unpaid accrued interest before the loan principal is reduced.  Paying during the grace period means more interest will be paid and the principal reduction will be less.

How much time should I allow for my payment to reach First National Bank of America?
If you are sending your payment by mail, please allow 7-10 days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800) 642-4578 to ask about other more immediate payment options.

To avoid late payments, First National Bank of America offers an Automatic Payment option that will make your payment through a withdrawal from the bank account of your choice on your scheduled due date. Contact our customer service department for more information.

Q. If my due date is different than the 1st of the month, when would a late charge be assessed?
Late fees are assessed according to the terms of your note and cannot be changed. Please refer to your loan documents to determine how many days you have between your due date and the late charge assessment date.

Q. How much time should I allow for my payment to reach First National Bank of America?
It is a good idea to allow seven to ten days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800)642-4578 to ask about other more immediate payment options. To avoid the worry of a late payment, First National Bank of America offers an automatic payment option that will make your payment automatically each month from the bank account of your choice. Call our customer service department at (800)266-7661 for more information. Monday through Friday, 8:00 AM to 5:30 PM ET and Saturday from 9:00 AM to 1:00 PM ET.

How do I request a payoff for my account?
Contact our customer service department at (800) 266-7661 or via email at [email protected], Monday through Friday, 8:00 AM to 5:30 PM ET and Saturday from 9:00 AM to 1:00 PM ET.  Payoff letters can be calculated for a minimum of 7 days and up to 30 days in advance.  We will mail, email, or fax a letter to you, please provide your preference when you call.

If you need the payoff letter faxed to a title company, financial institution, attorney, or other party, we will require written authorization from you permitting us to release your information.

Why do you need my written authorization to send an email, fax or verification of mortgage? 
Any documents sent email or fax require written authorization to ensure that your privacy is protected.  You may email in your written authorization from the email address on file with First National Bank of America to [email protected]. You may fax in your written authorization to (517) 336-0497.

How long is the payoff amount good for?
A payoff amount is good for up to 30 days from the date of request.

Do I have to call and confirm the amount before sending funds?
Yes. Payments may have been made and/or other charges and fees may have been assessed to the account which would change the payoff amount.  Contact our customer service department at (800) 266-7661 Monday through Friday, 8:00 AM to 5:30 PM ET and Saturday from 9:00 AM to 1:00 PM ET to verify the payoff amount.  The payoff amount is quoted through the day on which First National Bank of America will receive the funds (certified check, wire, etc.) to pay off the account.

How long does it take to receive a payoff amount or verification of mortgage?
Generally, requests are responded to within 24-48 hours from time of receipt.

I want to wire my payoff.  How should I do this?
Contact our customer service department at (800) 266-7661 Monday through Friday, 8:00 AM to 5:30 PM ET and Saturday from 9:00 AM to 1:00 PM ET to receive the proper instructions.

I don’t have an invoice. How do I make my payment?
Pay online:
Access FNBA.com
Select “Make Your Loan Payment On The Internet”
there is a $2.00 service fee

You may send your payment by regular mail to:
Attn: Payment Processing
First National Bank of America
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

Overnight/express mail can be sent to:
Attn: Payment Processing
First National Bank of America
241 East Saginaw
East Lansing MI 48823

Western Union Quick Collect:
at any Western Union service provider.

Pay by phone:
Call our customer service department at (800) 266-7661
You will need a blank check, and the bank routing numbers on the bottom edge of the check. There is a $5.00 fee to pay by phone.

At one of our 3 branch locations:
241 E. Saginaw                                              4660 Kalamazoo Ave, SE                                              315 N. Division St.
East Lansing, MI                                            Grand Rapids, MI                                                           Traverse City, MI

Automatic Payment:
Automatic payments can be set up using our Auto Pay service. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800) 266-7661 ext. 8904, or
CLICK HERE to print the form and mail it to First National Bank of America.

I never received my invoice, so why must I pay the monthly payment?
First National Bank of America provides a monthly invoice to better serve you. However, it is the borrower’s responsibility to make every payment on time whether or not an invoice has been received. If you need to make other payment arrangements, you may call our credit service department at (800) 642-4578 between the hours of:
Monday through Friday – 8:00 AM to 5:30 PM (Eastern Time)
Saturday – 9:00 AM to 1:00 PM (Eastern Time)

My account is now paid off. When do I get my deed?
The location of the property determines when the deed is prepared. Warranty Deeds, Discharge of Mortgages, etc. are sent to the county register of deeds for recording. The county will return this document to you via regular mail or may send it back to First National Bank of America, who will then forward it to you. Sometimes the county will not record a document if there are back taxes owing. In this case, it would be the responsibility of the customer to pay the back taxes and pay for the recording fees. If a document is lost and a new deed needs to be prepared, there is a $25.00 processing fee to re-create the document.

What should I do if my paid off Account with First National Bank of America is showing up on title work years later?
Please fax the entire title commitment including the old account number that you had with First National Bank of America to the ‘Lien Release Department’ at (517) 336-0497. If it is found that First National Bank of America already provided the document at one time, there will be a $25.00 processing fee for re-creating that document.

What should I do if I want the discharge/release recorded in someone else’s name?
First National Bank of America can only discharge the document with the name used when the original document (land contract, mortgage…etc.) was recorded.

What should I do if I lost my original recorded release document?
The county in which the property is located has records of recorded documents and you can obtain a copy from the Register of Deeds.

What is a Balloon payment?
Some real estate notes contain a balloon clause that requires the borrower to make a large lump sum payment at a time that is earlier than the time for which the loan is amortized. For example, a loan or contract may be spread over a thirty year period but requires that at the end of the tenth year the entire remaining balance must be paid. For most balloon loans the loan balance due at the balloon date may be refinanced at the prevailing interest rate. Contact our Mortgage Services Department at (800) 879-1009 ext. 8915.

I just received a balloon letter, who do I contact if I have questions?
Please call our mortgage service department at: (800) 879-1009 ext. 8915 to discuss your options.

What’s the difference between paying online and auto pay? Auto Pay is First National Bank of America’s scheduled automatic draft from your banking account.
Paying on line allows you flexibility to make a payment at the time of your choosing.

Can I choose the date my bank account is drafted? You can select the date your account is drafted, but keep in mind your contractual due date and late fee date, if applicable.

If my payment is due on the 6th, and I make a payment on line on the 6th, will the payment be late?
Yes. Payments must be scheduled on our website by 7:00 pm EST on the day prior to the date you want the payment to be credited to your account. For example, a payment scheduled at 10:00 am EST on Tuesday, will be credited on Wednesday. A payment scheduled at 2:00 pm EST on Tuesday, will be credited on Thursday. Although you may schedule a payment 24 hours per day; payments are processed only during work hours.

How do I cancel a payment scheduled on line? Scheduled payments must be canceled by 7:00 pm EST the day they are scheduled. You must cancel the payment on the web site. Canceling or changing a payment will cancel all subsequent payments. You will have to re-initiate recurring payments.

Can I change my payment method after I’ve scheduled a payment? It depends on when you scheduled your payment. If you schedule a payment at 10:00 am EST on March 31, you can change that payment up to 7:00 pm EST on March 31. If you scheduled a future payment, it must be changed by 7:00 pm EST of the day before the scheduled payment date. For example, a payment scheduled on March 31 to be credit on April 2 would have to be canceled by 7:00 pm EST on April 1.

Will I receive written confirmation of my on line payment? A printable confirmation number will be provided once a payment is scheduled.

How much does paying on line through our website cost? We charge a $2.00 processing fee for E-Checks and $15.00 for Debit Cards. This processing fee will be automatically added to your scheduled payment. Contact the financial institution of your deposit account to verify if they will assess any additional charges.

What if I forget my password? For privacy purposes, we cannot provide you with your password. If you need assistance with your online profile, please contact a customer service representative at (800) 266-7661 for assistance.

Why are you requesting my email address? It enables us to track daily online payment transactions and identify our customers. We will not sell your email address, or use it for solicitations. It is not a required field.

What if my payment is returned as NSF? First National Bank of America assesses an NSF fee for all returned payments. The financial institution of your deposit account may assess additional fees.

If you are experiencing financial difficulty and are behind in your loan payments please call First National Bank of America to learn more about potential loss mitigation options and for instructions on how to apply.    A Credit Services Representative can be reached at (800) 642-4578 between the hours of 8 a.m. to 9 p.m. Monday through Friday and 9 a.m. to 3 p.m. Saturday, Eastern Time.  The longer you wait, or the further you fall behind on your payments, the harder it may be to find a solution.

The following loss mitigation options may be available (most are subject to lender approval):

• Enrollment in a forbearance/repayment plan*
• Refinance with another lender*
• If you are unable to continue paying the mortgage, the best option may be to find more affordable housing.  As an alternative to foreclosure you may be able to sell the home and use the proceeds to pay off the current loan.

*You may be required to provide the following documents in order to determine your debt and income:

• Your most recent tax returns
• Recent pay stubs or other income verification
• Recent bank statements

Conversely, there may be non-home-retention alternatives, including (subject to lender approval):

• Quit Claim Deed
• Deficiency waiver (if applicable)
• Short sale

If you need additional help exploring your options, the Federal government provides contact information for housing counselors, which you can access by contacting: www.consumerfinance.gov/mortgagehelp, or www.hud.gov or by calling the HUD Housing Counselor List Telephone Number at (800) 569-4287.