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Get Help With Payment Challenges

Whatever challenges you’re facing, please talk to us — the better we understand what you’re going through, the more we can do to help.


Learn about the process

It starts with a conversation between you and your home preservation specialist: taking an honest look at your situation, considering every option, and making a plan to move forward. When you’re ready to get started, here’s what you need to know about how to request mortgage assistance.

Review your options

When you request mortgage assistance, we’ll review your information and see what options could work for you. Here are some of the programs that might be available:

Options to help you keep your homeShow Details


Loan Modification

If you can’t afford your current mortgage, but you want to stay in your home, a loan modification might help. It makes your monthly payment more affordable by permanently changing certain terms of the loan.

Forbearance Plan

If you need help getting through a temporary hardship like unemployment, a forbearance plan might help by suspending or reducing your monthly payments for a certain period of time.

Repayment Plan

If you fell behind on payments due to a temporary hardship, but you’re now ready to get back on track, a repayment plan might help. It divides your past-due amount into manageable chunks, and adds them to future payments.

Options to help you avoid foreclosureShow Details


Short Sale

If you can’t afford your current mortgage, and staying in your home isn’t an option, a short-sale might help you avoid foreclosure. It allows you to sell your home for less than you owe on the mortgage, and may release you from having to repay the remaining mortgage balance.

Deed in Lieu of Foreclosure

If you can’t afford your current mortgage, and staying in your home isn’t an option, you may be able to avoid foreclosure without having to sell your home. A deed-in-lieu of foreclosure allows you to release your home to Wells Fargo voluntarily.

More programs that could helpShow Details


Hardest Hit Funds

Hardest Hit Funds offer special mortgage assistance programs for homeowners living in states that were most affected by the financial crisis and recession.

Benefits for Military Personnel

Wells Fargo appreciates the service of America’s military personnel. That’s why we offer expanded military mortgage benefits that go beyond what the Servicemembers Civil Relief Act (SCRA) requires.


If you haven’t missed any payments and think you’d be better off with a new loan, consider a refinance. With the federal government’s Home Affordable Refinance Program, you may be able to refinance even if you owe much more than your home is worth.

Our commitment to homeownership

Learn how Wells Fargo is supporting sustainable homeownership through responsible lending and servicing principles, and community support programs.

Benefits for military personnel

Learn about special military benefits for active-duty service members and their families who may be facing mortgage payment challenges.

Find more homeowner resources

Phone icon.Contact a Home Preservation Specialist at 1-800-678-7986
Start the process by filling out an online request:
Already working with us on a loan modification?

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Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that if your loan is currently delinquent or in default, as your loan servicer, we will be attempting to collect a debt and any information obtained will be used for that purpose. However if you have received a discharge, and the loan was not reaffirmed in the bankruptcy case, we will only exercise our right as against the property and are not attempting any act to collect the discharge debt from you personally.
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