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Hardship Assistance

Hardships happen, and we want to help you through the resolution process. The Hardship Assistance Program is designed to help borrowers just like you. We employ a specialized staff of highly trained individuals who can help answer questions, provide updates and guide you as needed.

To contact one of our specialists, call us at (800) 342-4998, option #5. Our centralized specialists are available Monday through Friday, 8:30 a.m. to 4:30 p.m., ET.

Need assistance? The following options may be available:

  • Refinancing
  • Reinstatement
  • A repayment plan that allows your past-due payments together with your regular payments to be paid back over time
  • A forbearance that provides temporary payment relief
  • A loan modification
  • A short sale
  • A deed-in-lieu of foreclosure, which deeds your home back to the lender in exchange for the release of all obligations under the mortgage.

Please call us today to discuss your options.

If you would rather begin the application process immediately, click here to print a copy of our hardship assistance application. Your completed application, with required supporting documentation, can be submitted via mail, fax, or secure file upload:

Fax: (518) 782-4350

OwnersChoice Funding
Loss Mitigation Department
P.O. Box 12880
Albany, NY 12212

The federal government also provides resources and contact information for housing counselors. To learn more, visit the Consumer Financial Protection Bureau, the Department of Housing and Urban Development, or call HUD at (800) 569-4287.