Help with payment challenges

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If you are affected by COVID-19, please visit our COVID-19 Assistance page.   


Know your options. 

When you’re facing financial challenges, keeping up with your mortgage can be difficult. There is so much information available, at times it’s hard to know where to turn. Our priority will always be to keep you in your home. Our dedicated team of experts will walk you through your options, which may include: 


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Hardships can happen unexpectedly. 

We offer a variety of mortgage assistance programs including payment forbearance plans. If you think you may need help, contact SLS to discuss your options.

  • Loan modifications
    can change the terms of a mortgage loan.
  • Forbearance plans
    can temporarily suspend mortgage payments.
  • Short sales
    aim to quickly sell a home for less than the amount owed.
  • Short pay plans
    are designed to 'payoff' a home at a reduced price.
  • Deed in Lieu plans
    require homeowners to transfer their home's title to the bank that holds the mortgage.
  • Temporary suspension of payments
    can help homeowners avoid foreclosure and get back on track.

​If you need a mortgage assistance program, you may be required to provide certain information including (but not limited to):

  • Income verification
  • Prior year's W-2 or Tax Return (if self-employed)
  • Copy of P&L statement (if self-employed)
  • Letter of hardship
  • Current bank statements

When you submit your information, it must include a completed and executed SLS Mortgage Assistance Application (RMA). The RMA outlines additional documentation that must be provided with your application. This additional documentation is based on your applicable financial situation and intent with the home. Visit our forms page​ should you need additional forms and guides.



To discuss options for avoiding foreclosure, please contact SLS at 1-800-315-4757.
If you would like counseling or assistance, you can contact the U.S. Department of Housing and Urban Development (HUD): For a list of homeownership counselors or counseling organizations in your area, go to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm​ or call 800-569-4287.


Completing a Request for Mortgage Assistance (RMA) Form


 Need more information?

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