AMS Servicing realizes that existing or foreseeable financial hardships may make it difficult for you to make your monthly mortgage payment. If you are having financial difficulties and depending upon your current financial situation, it may be possible for us to assist you with one of the following options:

• Repayment Plan (Forbearance)
  By setting up a repayment plan, we can customize a plan that will bring your loan to a current status by the end of the plan. We do this by spreading out the amount you owe over a period of time defined in the plan. Basically, we divide the number of months you have been delinquent by the number of months in the payment plan, then add this smaller, affordable payment to your current payments.
• Special Forbearance Plan
  The objective a special forbearance plan is to create a 3 to 6 month period for you to demonstrate your ability to make a reduced payment that is affordable to you based on your current financial situation. Upon completion of this trial period, other loan terms could be offered including Loan Modification.
• Loan Modification
  By modifying your loan, we can alter part of your mortgage debt by lowering your interest rate, loan balance, or term (length of time) of your loan. This may lower your payment and bring your account current.
• Listing Your Property for Sale
  By offering advice about listing your property, we can help you to maximize your chances of receiving a sale offer acceptable to both you and to AMS. The sale of your property could help you to avoid a foreclosure sale of your home.
• Deed-in-Lieu of Foreclosure
  If you do not intend to keep the property and your title is clear of other liens, then we may be able to accept the deed to the property and forgive your debt, even if the property is worth less than the balance that you owe.

Our Asset Managers are highly trained and qualified to work with you during this difficult time. Please contact us at 1-866-919-5600 so that we can help you.

Additional Resources
The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies designed to help homeowners avoid losing their homes. To obtain a list of HUD-approved counseling agencies, please call (800) 569-4287 or visit www.hud.gov.

Home Learning Center – Operated by the Mortgage Bankers Association, HomeLearningCenter.com provides helpful tips and information for homeowners as well as a Foreclosure Prevention Center for borrowers who may be having difficulty making their mortgage payments.

Housing Help Now – Sponsored by the National Foundation for Credit Counseling, HousingHelpNow.com refers borrowers to NFCC-certified credit counselors who can provide guidance about your options and where to turn to for help. Consumers can take the Mortgage Reality Check, an easy-to-take quiz that helps borrowers gain a better understanding of how their mortgage fits their current budget and income.