If you need assistance in making your mortgage loan payments, the following options may be available:

Repayment Plan

A temporary hardship can cause homeowners to fall behind on their mortgage payments. If the hardship has been resolved, a repayment plan can help the homeowner repay delinquent payments through spreading the delinquent amount over several months. This option allows homeowners to pay their monthly mortgage payment, plus a portion of the delinquent amount, each month to repay their delinquent amount over the term of the repayment plan.

Call 1.877.908.HELP (4357) for help.

Temporary Payment Reduction

A temporary payment reduction plan allows homeowners to make a partial payment on their mortgage for up to six months. During these six months, the homeowner is reviewed for qualification for a more permanent solution to help avoid foreclosure. Temporary payment reduction plans are not available for all homeowners and are typically provided as a temporary solution to help short term under-employed or unemployed borrowers.

Call 1.877.908.HELP (4357) for help.

Loan Modification

Allows you to make a temporary or permanent change in one or more of the terms of your mortgage loan. Upon completion, your loan will be considered current and your monthly mortgage loan payment will be modified.

Learn about HAMPWatch HAMP Video


If you are unable to make your mortgage payments under any circumstances and wish to avoid foreclosure, the following options may be available:

Short Sale

A short sale allows borrowers to sell their home at a market value that is less than the balance owed on the loan. This alternative to foreclosure is available only to homeowners who are experiencing an economic or financial hardship. A short sale offers both the homeowner and the lender a faster and less costly alternative to foreclosure.  Homeowners may also be eligible for financial incentives by selling their home through a short sale agreement.

Download Short Sale ApplicationWatch Short Sale Video

Depending on your situation, you may be eligible for a short sale through the federal government’s Home Affordable Foreclosure Alternatives program (HAFA).

Read HAFA Requirements

Deed in Lieu of Foreclosure

A deed in lieu of foreclosure is an alternative to foreclosure that allows borrowers who can no longer afford their mortgage payments, and are also unable to sell their home as a result of declining property values, to voluntarily transfer the property to IndyMac Mortgage Services and avoid foreclosure.

Looking for More Information?

Visit the IndyMac Mortgage Services Blog for additional resources and information about HAMP, other home preservation options and alternatives to foreclosure.

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Other Resources for Help

View other resources available for borrowers who are experiencing financial difficulty in maintaining their monthly mortgage payments.

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