Mortgage Payment Assistance


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

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. Talking to us is the best thing you can do for your situation. You can also send a secure message through our financial assistance portal, and a loan counselor will contact you with further information.

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

  • 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.
  • Special Forbearance
    • This option temporarily suspends or reduces your regular mortgage payment, allowing you time to recover from a short-term financial problem. Once your financial condition improves, we can discuss options to bring the loan current. Most often, this option is used during temporary hardship, such as unemployment. This option may affect your credit, but the impact may be less than a series of late payments.
  • 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.
  • 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 complete the Mortgage Assistance Application. The form will help us determine the best option available for your situation. 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.