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Payment Assistance

Life happens and circumstances can arise that make it difficult to keep up with your mortgage payments. The good news is there are a variety of programs that may be available to help you avoid foreclosure and keep your home.

We're Here to Help

You may qualify for a payment assistance option on your Flat Branch Mortgage, Inc. home loan, making your terms and monthly payments more manageable. If you've fallen behind on payments, you could be eligible for a temporary or permanent solution to help restore your financial stability. Our Mortgage Assistance Team specializes in homeowner counseling and is ready to assist you.

If you're having trouble paying your mortgage, give us a call at (877) 350-0350 or email us at lossmitigation@fbhl.com. You can also contact:

Your Options

Forbearance

  • If approved, you may stop making payments or make smaller payments for a set period, typically starting at 3 months.
  • Payments continue to accrue during this period.
  • Your credit may still be impacted for not making monthly payments.
  • After forbearance ends, you must repay missed or reduced payments via:
    • Lump sum repayment
    • Repayment plan
    • Loan modification or deferred balance

Repayment Plan

A repayment plan is a simple way to catch up on missed mortgage payments without paying everything at once.

  • You'll make your regular monthly payment, plus a portion of the past-due amount each month.
  • Continues for a set period — usually 3–6 months — until your loan is current.
  • Designed for homeowners who can afford slightly higher payments.

Benefits:

  • No lump-sum payment required
  • Helps you avoid foreclosure
  • Keeps your mortgage manageable

Payment Deferral or Partial Claim

A payment deferral lets you move missed payments to the end of your loan — you won't have to pay the deferred amount right away, but you'll still owe it later when you sell, refinance, or pay off your loan.

Deferral vs. Partial Claim:

  • Deferral: Moves missed payments to the end of your loan term.
  • Partial Claim: Missed payments become a second lien on your home.

The number of payments that can be deferred depends on your loan investor. Contact us to see if you qualify.

Loan Modification

A loan modification changes the terms of your existing mortgage to make payments more manageable. This typically involves:

  • Adding past-due amounts back into your loan balance
  • Adjusting your interest rate
  • Extending your loan term

This is different from a refinance, which replaces your current mortgage with a new loan.

Solutions When Staying Isn't Possible

If staying in your home is no longer financially possible, there are ways to move forward while avoiding the stress and credit impact of foreclosure.

Traditional Home Sale

Selling your home is often the best option if you can no longer afford your mortgage. Proceeds can pay off your loan and any remaining funds can help with a new home or rental.

Short Sale

If your home's value has dropped and you owe more than it's worth, your servicer may approve a short sale. You may receive a cash incentive for maintaining the property, and a short sale is generally better for your credit than foreclosure.

Deed in Lieu of Foreclosure

Transfer ownership of your home to Flat Branch in exchange for a release of all obligations under the mortgage. You may receive a cash incentive for maintaining the property until final approval.

Requesting Assistance

Gather and Complete the Following

To review your request for assistance, please provide:

  • Borrower Assistance Packet
  • Two most recent bank statements for all deposit accounts
  • A brief hardship statement explaining your current situation
  • Two most recent pay stubs
  • Copies of your two most recent Federal Tax Returns
  • IRS Form 4506-C
  • Year-to-date profit and loss statement (if self-employed)
  • Statements for any other income sources (Social Security, Disability, Child Support, Alimony, Gig work, etc.)

Submit Your Forms

Send your completed forms and supporting documents via:

Fax

(636) 536-9890

Email collections@fbhl.com
Mail
Flat Branch Mortgage, Inc.
P.O. Box 843084
Kansas City, MO 64184-3084

Next Steps

Once received, we will acknowledge your request and let you know if any additional documentation is necessary within five business days. Once your application is confirmed as complete, we will review and provide a decision within 30 calendar days. Please note: Some offers may be time-sensitive, so keep an eye on your email and mail for updates.

Submitting Complaints or Appeals

If you have a complaint or wish to file an appeal regarding your loan — including matters related to our loss mitigation process or foreclosure process — please send your concern along with your name and loan number to the address below. You may also submit a Notice of Error, Information Request, or Qualified Written Request under RESPA. Mail your request to:

Attn: Escalation Center
Flat Branch Mortgage, Inc.
P.O. Box 843084
Kansas City, MO 64184-3084

Beware of Foreclosure Rescue Scams

Scam artists have taken millions from distressed homeowners by promising quick foreclosure relief or charging upfront fees. If an offer sounds too good to be true, it probably is. Don't let anyone take advantage of your situation, your home, or your money. Legitimate help is FREE.

Watch Out For:

  • Anyone asking for a fee in exchange for housing counseling or loan modification services
  • Anyone claiming they can "save" your home if you sign over your deed
  • Anyone asking you to make mortgage payments to them instead of your mortgage company
  • Anyone advising you to stop paying your mortgage company and pay them instead
  • Anyone requesting personal financial information online or over the phone when you don't know them