Mortgage Assistance

Need Help with your Mortgage?

Carrington is committed to the dream of homeownership, and we realize that sometimes unforeseen situations can cause financial hardships. These hardships and can impact the ability of some homeowners to make monthly mortgage payments. If you need assistance to get back on track, we have a variety of options that may be available to you.

Available options and terms vary by the investor and/or insurer of your loan, but as a general guideline the options typically include:

Need Help with your Mortgage?
  • Disaster Relief – There are options to suspend monthly payments for a specific period of time when your home or place of employment have been impacted by a natural disaster. This would include federally- declared disaster areas. Visit our Disaster Assistance page for more information.
  • Repayment Plan – This involves making payment arrangements over a specific period of time, typically three to six months, that are designed to reinstate a delinquent loan to a current status.
  • Forbearance Plan – A payment arrangement of reduced or zero monthly payments for a specified period of time. Forbearance plans are temporary, and are designed to lead to such permanent solutions as a Repayment Plan or Loan Modification.
  • Loan Modification – This permanent change to the terms of the original mortgage may include one or more of the following: an interest rate change (either fixed or temporary), capitalization of payments and/or fees and costs, term extension, or a deferral of a portion of the loan. Loan modifications are available for both 1st and 2nd mortgages.
  • Pre-Foreclosure/Short Sale – This option allows a borrower to avoid foreclosure by selling the property for less than the total amount owed on the account (subject to agreement by Carrington), resulting in the release of the Carrington’s lien on the home.
  • Deed-in-Lieu of Foreclosure – An option that allows a borrower to voluntarily deed a property to the lender to avoid foreclosure. In return, the borrower agrees to vacate the property on an agreed-upon date, leaving it in "broom swept" condition

Gather What You’ll Need

To be considered for any of the loss mitigation options, we need recent documentation regarding your current financial circumstances, including your plans for the property, what led you to needing assistance, and how you can demonstrate your ability to either maintain payments in the future or show you cannot continue to make mortgage payments.

Below are the documents we require to conduct a review. Our goal is to assist you with the information you need to successfully complete your application for assistance. Please download or print copies of the below items, and spend a few minutes reviewing our Loss Mitigation FAQ section to avoid common issues when applying for assistance:

Need help with your mortgage

Submit Your Request

Log in your account and click on "Mortgage Assistance Portal" to upload the required documents to start the application process. If you prefer to submit your application another way, you can submit using:

By Fax


By mail

Attn: Loss Mitigation,
1600 South Douglass Road, Suites 110 & 200-A, Anaheim, CA 92806.

We will review what you have submitted within five business days, and will let you know if your application is complete, or if additional items are needed. Once your application is confirmed as being complete, we will review and provide you with a decision within 30 calendar days.