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Learn the Basics

We want to help. Call us at 1-800-678-7986 for a confidential review of your options.


Am I in default if I miss a payment?

It's important for you to pay your mortgage as agreed. If you're having difficulty, please contact us right away and understand the steps in the default process:

  • First month of missed payment: Your loan is overdue. You'll need to make your payment and pay a late fee charge.
  • Second month of missed payment: Your loan is in risk of default. Late charges and penalties will continue to accrue.
  • Third month of missed payment: Your loan is in default. Late charges and penalties will continue to accrue. 

Please understand that foreclosure follows its own path and timeline, distinct from the mortgage assistance process. The foreclosure process can begin and continue even while you’re actively working with us to find options that may help you avoid a foreclosure sale. Until another option is accepted by you and us and is in place, the foreclosure process will continue.

The Wells Fargo Disaster Assistance Team can help

Was your financial hardship the result of a natural disaster, storm, accident, or other event?
Our disaster assistance team can help.

Learn more

Should I stop making payments to get help?

No — don’t stop making payments. The fewer payments you miss, the more options you may have. As soon as you think you may have a problem making payments — even if you think it’s temporary — please:

You can also attend a nearby home preservation workshop to discuss your situation with a Wells Fargo home preservation specialist.

How can I work with you?

Loan modification process How the Loan Modification Process Works

Your home preservation specialist will help guide you every step of the way.

Watch video

After you have started the loan modification process, online is usually the fastest way to work with us. Check with your Wells Fargo home preservation specialist to confirm that your loan qualifies. If it does:

  • Go to our "Check Status and Submit Documents" website.
  • Select “Sign on.”
  • Sign on with the requested credentials. If you don't have the required information, contact your Wells Fargo home preservation specialist.

Using our online tool provides:

  • Faster receipt of documents by your Wells Fargo home preservation specialist
  • Faster feedback that your documents were accepted
  • Access to the status of your loan modification, 24 hours a day, 7 days a week

Your completed documents also can be:

  • Brought to any Wells Fargo branch
  • Mailed or faxed according to the instructions in the packet you receive

No matter which option you choose:

Will you help me with the paperwork I'll need to fill out?

Yes — your Wells Fargo home preservation specialist will give you all the paperwork you need and will answer any questions you have. While completed documents can be brought to any Wells Fargo branch for submission, there are no home preservation specialists in the branches to answer questions. 

Financial Assistance Form Completing a Loan Modification Form

As this video explains, accuracy, clarity, and providing all the required information are keys to filling out a loan modification application.

Watch video

How long will the process take?

It depends on the approach, but generally takes between 30 days and 120 days. See  the “Understand the Process” section on this site for more specifics about each option.

Can I get help from other agencies or groups?

Yes — visit the U.S. Housing and Urban Development website for the name of a counselor in your area who provides their services at no charge.

 Save on insurance costs 

If you have lender-placed insurance, you can lower your monthly cost immediately by replacing it with private insurance. Learn more

Related information

Call 1-800-678-7986 for help with your payment issues.

Help for military personnel

Active-duty service members and their families facing payment challenges may qualify for special military benefits.

Learn more

Our commitment to homeownership

Learn how Wells Fargo is supporting sustainable homeownership.

Learn more

How escrow affects payments

A stack of bills.

If escrow is now included in your mortgage payments, you may see an increase in your monthly charges. But, because escrow covers your taxes and insurance payments, you won’t need to pay those separately anymore.

Learn more

A new insurance policy can lower your payments

A house with a heart image.

If Wells Fargo purchased homeowners insurance for you, you’re paying more than you have to. Instead, buy a policy on your own and save money every month.

Learn more