Mortgage Payment Assistance

Get prequalified and see how much home you can afford.

The Regions dedicated mortgage payment assistance team is prepared to assist you. We want to keep you in your home.


please call 1-800-748-9498.

We can help determine which solution is best in a time of hardship, whether it’s temporary or long-term circumstances. Please call us at 1-800-748-9498, Monday-Thursday from 7:30 a.m. to 8 p.m., Friday from 7:30 a.m. to 6 p.m. and Saturday from 8 a.m. to 12 p.m. CT.

If preserving your home is your goal, or perhaps your circumstance is temporary, your mortgage payment assistance options may include:

  • Special Forbearance 
    • Forbearance allows you to temporarily pause or reduce your mortgage payments. At the end of the forbearance plan, you will still owe the payments you missed, but in most cases, you will not have to repay it all at once.
    • You may have a right to a COVID hardship forbearance if you experience financial hardship directly or indirectly due to the coronavirus pandemic, and you have a federally backed mortgage, which includes HUD/FHA, VA, USDA, Fannie Mae, and Freddie Mac loans.
    • For more information about federally-back loans and to determine what type of loan you have, consult Consumer Financial Protection Bureau's helpful "Guide to Coronavirus Mortgage Relief Options." We can also help you identify your loan type. Call 1-800-748-9498.
    • If your mortgage is not Federally-backed but Regions is the lender or servicer, Regions may agree to a 90-day forbearance if you have an eligible hardship.
    • Although interest will continue to accrue during the forbearance period, you will not be charged fees related to the scheduled non-payment. Your credit will be reported based on the status of your loan when you requested forbearance. When the forbearance period ends, Regions will work with you to find a repayment option, such as an extended repayment plan or loan modification.
    • All forbearance requests must be made by calling 1-800-748-9498. There is no documentation or form required to initiate this payment assistance option, but you must call us to request and determine eligibility.
  • Repayment Plan
    • If you have experienced a short-term financial difficulty but are now in an improved financial situation, a repayment plan may be a good option for you. A repayment plan may allow you to make regularly scheduled payments, in addition to a portion of your past-due payments, to bring your loan current. This option may affect your credit.
  • Mortgage Loan Modification
    • A Loan Modification is a change to the terms of your mortgage in order to cure a delinquency and avoid foreclosure. If you qualify, a modification may include reducing your interest rate, extending the term of your mortgage and/or capitalizing the delinquent payments.
  • Deferral
    • There are some loans and circumstances which provide an option for a deferral of the payments due until the loan pays off or matures. This option allows you to start back making monthly payments, while deferring the payments missed until a later date.
  • Reinstatement
    • The reinstatement amount is the total amount of past-due payments and may include late fees and attorney costs.

If you aren’t interested in maintaining ownership of the property and need debt relief, your options may include:

  • Temporary Forbearance While Selling Your Home, with listing agreement
  • Pre-foreclosure Sales (Short Sale)
    • If you can no longer afford to keep your home, a short sale may be an option to avoid foreclosure. This allows you to sell your home for less than the outstanding balance of your loan and may satisfy your debt (though not always).
  • Deed in Lieu
    • With a deed in lieu of foreclosure, you would transfer ownership of your home to Regions voluntarily to avoid foreclosure.

If you would like to get started now, please call 1-800-748-9498 or complete the Mortgage Assistance Application. If you choose to complete the Mortgage Assistance Application, you will enable us to consider all available options to help you find the best solution for your situation. However, if you elect to call us, we can provide information about certain options that may be offered by the owner of your loan with little or no documentation, subject to eligibility requirements. (NOTE: The Mortgage Assistance Application is not required if you are interested in temporary forbearance related to the COVID-19 pandemic. Instead, please call 1-800-748-9498.) Once you have completed the form, you can submit it to us in one of the following ways. A Regions representative will contact you within approximately three to five days.

Mail to: P.O. Box 18001
Hattiesburg, MS 39404-8001

Fax to: 1-800-256-7200

Upload to: Document Center in MyMortgage

If you have concerns about the evaluation of your foreclosure alternative options, please contact our Escalation Case Unit at 1-800-986-2462. Any concerns will be reviewed by our Specialists, who will acknowledge your inquiry in writing via email, fax or mail within 72 hours. We will make every attempt to address your question(s) and/or concerns within 15 days from the date of receipt.

Additional Resources

For help exploring options, Department of Housing and Urban Development provides contact information for housing counselors at or by calling 1-800-569-4287. In addition, this information can be found by accessing the Consumer Financial Protection Bureau. NeighborWorks® provides foreclosure solutions, both online or by calling 1-888-995-4673 for more information. Additionally, Know Your Options is another source of information.

For assistance in your preferred language, information regarding free-to-use interpretive services can be found at Interpretive Services | Federal Housing Finance Agency (

You may also be able to apply for the Department of the Treasury’s Homeowner Assistance Fund (HAF), which is administered by state governments or agencies. More information regarding the HAF Fund is available from the National Council of State Housing Authority at Homeowner Assistance Fund — NCSHA.