If a financial hardship is affecting your ability to make your mortgage payments, we are here to help. Onity Mortgage is The Leader in Loss Mitigation!®. Our specialists will review your situation and determine the best available assistance option for you. This assistance could include any of the following:

• Repayment
• Forbearance
• Loan modification
• Short sale or pre-foreclosure sale
• Deed in lieu of foreclosure
• Partial claim

 If you have experienced a financial hardship and want to apply for assistance, follow the steps below:

1. Log in or create an account. 
2. Access the Payments page.
3. Under the Payment Assistance tile, select Request Assistance.

A Mortgage Assistance Application can also be completed by contacting our Customer Care Center toll-free at 1-800-449-8767, Monday through Friday, 8:00 am to 9:00 pm EST and Saturday 8:00 am to 5:00 pm EST or by downloading it here. 

Click here to learn more about our assistance options or visit www.fanniemae.com for additional information.

You have a few options to get started.
 
Option 1: Online
 

If you've experienced a financial hardship.

Click here to be taken to our Homeowner's Assistance page to get started.

Option 2: By Mail or Email
You can also complete the Mortgage Assistance Application and send it by mail or email. The application requests your current income and expenses and the reason for your hardship to help us determine the best available option.
 
Click here to print the Mortgage Assistance Application.
 
Option 3: By Phone
To start the mortgage assistance review with one of our agents, call us at 1-800-449-8767.
 

You may make an escrow deposit of any amount by mail. If your account is current, you can also make an escrow deposit through our pay by phone service or on our website. Fees may apply when making an escrow deposit by phone. 

To pay online, log in to your account on MortgageQuestions.com and click the Payment button at the top of the screen.

If you are sending an escrow deposit by mail, make sure to write the account number on the check and write “Escrow Application" on the memo line. Send the check or money order to:

Onity Mortgage
PO Box 660264
Dallas, TX 75266-0093

For overnight mail, send the check or money order to:

Onity Mortgage
Attn: Escrow Only Box: 660264
3000 Kellway Drive, Suite 120
Carrollton, TX 75006

Learn more in our Escrow Education Center.

A service transfer does not change your loan terms or payment history. The previous servicer may report its account as transferred or closed, and the new servicer may begin reporting the loan under a new tradeline. Continue making payments as instructed during the transfer. Because credit scores are calculated by consumer reporting agencies and scoring companies, we cannot predict how a transfer may affect an individual credit score.

You might notice a small temporary dip in your score due to how credit reporting systems handle the transition (closing the old account and opening a new one). This is normal and your score should bounce back once the new loan is reported consistently.

Payments are generally due on the first day of each month. A grace period may apply before a late charge is assessed, but it does not change the contractual due date. If your payment remains unpaid long enough for the loan to become 30 or more days past due, the delinquency may be reported to the consumer reporting agencies.