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COVID-19 Solutions

Mortgage relief guide

Control your finances. Control your mortgage.

If you’re experiencing hardship due to COVID-19, we can help you regain control of your mortgage payments. Whether you’ve been out of work for a couple of months or your business has permanently closed, we have a range of options to provide support in your time of need.

Know your options

Here are just some of the ways we can help provide you with financial relief by suspending or modifying your mortgage payments.


Forbearance is like a pause button. It lets you suspend your monthly mortgage payments for a specific amount of time without incurring any penalties or late fees or being reported as delinquent to the credit agencies. No paperwork is required for requests related to COVID-19—simply fill out the form below to get started.

At the end of your forbearance, you’ll work with a member of our home preservation team to develop a plan to repay the amounts that would have been due while you were in forbearance. 

Payment deferral:

Following a period of forbearance, a loan deferral will bring your account current, and you’ll go back to making your regular monthly mortgage payments. However, you’ll be expected to pay the total amount of your skipped payments at the end of your loan term. A member of our home preservation team can help you file the paperwork you’ll need to get a deferral.


A loan modification generally requires more paperwork than forbearance because it restructures your existing loan’s rate or term to change your payments. This helps you stay in your home for the long-term despite financial difficulties. There are different forms of loan modification, and the best solution for you will be unique to your situation. That’s why it’s important to work with our home preservation team. We’ll help you navigate the different options and determine what’s best for you.

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Get a team behind you

You can now apply online to enter into forbearance due to COVID-19 hardship.

Once you submit your online application, your forbearance process will begin. You’ll receive a confirmation of enrollment through email or US mail. You can always give us a call if you have any questions about your enrollment. Make sure you’re prepared for the short- and long-term implications of entering forbearance before you apply.

To apply for any other forms of mortgage relief, or to discuss your options with a member of our home preservation team, give us a call:

BB&T, now Truist, clients: 800-226-5228
SunTrust, now Truist, clients: 877-820-2103

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Up next in the guide

What to expect

What happens once you’ve applied for relief? We’ll review what you should expect in the short- and long-term.