COVID-19 update: To submit a review for a temporary COVID-19 mortgage payment forbearance, fill out this form. Submitting an online forbearance request will not negatively flag you as a delinquent borrower to the credit reporting agencies. See our forbearance FAQ for more information.
What if I can’t pay my mortgage?
If you have experienced loss of income due to COVID-19, you are eligible for forbearance. This allows you to stop making payments for 180 days. Late fees will be suppressed and no negative credit reporting will occur. The quickest way to get started is to fill out a request for forbearance. If you are unsure whether your situation is eligible for forbearance, call (866) 743-4931 to speak to a Home Preservation Officer. See our forbearance FAQ for more information.
For non-COVID-19 related inquiries, give us a call at (866) 743-4931 and we’ll direct you to one of our Home Preservation Officers. They’ll review your current circumstance and then help you understand your options. Click here to fill out a request to be reviewed for potential mortgage payment relief.
Our Home Preservation Officers are available during normal business hours, Monday through Friday (except holidays) between 8 a.m. and 5 p.m. Pacific Time.
(Please note: we may be servicing your home loan on behalf of another company that owns your loan. In those situations, the other company will determine your options.)
There are several organizations that provide foreclosure prevention options. We encourage you to contact Umpqua Bank Home Lending first; however, you may also find the following information useful.
Know Your Options is a resource provided by Fannie Mae.
Many states also offer foreclosure prevention programs. Click the links below for information in your state:
Give us a call at
The most important thing you can do is keep communicating with us.
Our Home Preservation Officers are available to serve you Monday through Friday (except holidays) between 8am and 5pm Pacific Time.