Financial trouble? We are here to help.
We understand the many unexpected challenges that homeowners may face over the life of a home loan. If you are worried about making your home loan payment, the best thing you can do is reach out to us as soon as possible. It can be a costly mistake to wait. With each month you miss a payment, there are fewer options available for help and more fees assessed to your mortgage.
Step 1: Call VMLS at 844-865-7378, M-F 8 a.m. to 5 p.m. CST.
A mortgage specialist will ask you about your finances and your current hardships. We will evaluate your situation and provide you with options.
If you have a Conventional Loan or USDA Loan, you will also need to submit a Loss Mitigation Package. You can find the Loss Mitigation Package here.
Send the completed Loss Mitigation Package and all required back-up documents to lossmit@volservicing.com or by mail to:
Volunteer Mortgage Loan Servicing
502 Deaderick Street, 3rd Floor, Nashville, TN 37243
Certified Mortgage Counselors
THDA offers certified HUD mortgage counselors near you to help work through your financial trouble. The counselors are available to meet face to face or by phone. They can assist with filling out the loss mitigation package, help figuring out a budget that works for you, or provide additional resources in your area for more assistance options.
To speak to a THDA HUD mortgage counselor today, call 888-483-8432 (888-HUD-THDA), or email: Counselors@thda.org
For a full list of HUD mortgage counselors in the state of Tennessee, click here to be redirected to HUD’s website.