Payment Assistance

Life is unpredictable, and circumstances can arise that make it difficult for you to keep up with your mortgage payments. The good news is there are a variety of programs that may be available to help you with your delinquency, avoid foreclosure, and keep your home. You may be eligible to refinance or modify your Flat Branch Mortgage, Inc. home loan so your terms and monthly payments are more manageable. Or, if you have missed a few payments on your Flat Branch Mortgage, Inc. loan, you may qualify for a temporary or permanent solution to help you get your finances back on track. Our Mortgage Default Team specializes in member counseling and can help put you back in control.

If you're having trouble paying your mortgage, give us a call or email us at You can also contact the Homeowner’s HOPE™ Hotline. This hotline provides free, comprehensive foreclosure assistance and housing counseling services around-the-clock. Call 1-888-995-HOPE (Hearing impaired: 1-877-304-9709 TTY) to ask about receiving help with your mortgage and to see if you qualify for the Making Home Affordable® Program.

We're ready to help!

There are various options available to assist you depending on your specific circumstances. If you wish to remain in your home, we may be able to qualify you for a Repayment Plan or a Loan Modification.

Repayment Plan or Forbearance Plan

If there was a temporary situation which caused you to fall behind on your monthly payment, this option allows you to pay the past due payments over a period of time while you also continue to pay your regular monthly payment amount.

Loan Modification

This option allows you to modify the terms of the loan which may include adding the payment arrearage onto the outstanding principal balance to be repaid over the remaining term of the loan.

If your circumstances require you to sell your home and you are unable to obtain a contract where the proceeds from the sale will not be sufficient to pay your loan in full, you may qualify for a Short Payoff or a Deed in Lieu.

Short Payoff

If you receive an offer to sell your property at the current market value but the sale proceeds will be less than the amount necessary to pay your loan in full, you may qualify for a Short Payoff.

Deed in Lieu

If you have had your property listed for sale but have not received a legitimate offer from a potential buyer, you may qualify for a Deed in Lieu. This allows you to avoid a lengthy foreclosure process and is less detrimental to your credit score than a foreclosure.

Requesting Assistance

To request assistance, you need to follow these steps:

1 Gather the following information

2 Complete and Sign Forms

Make sure the documents have been thoroughly and completely filled out.

3 Send Forms to Flat Branch Mortgage, Inc.

You can use any of the following methods to send us your completed forms and statements


(636) 536-9890


Flat Branch Mortgage, Inc.
P.O. BOX 843084
Kansas City, MO 64184-3084

4Upon Receipt

Upon receipt, someone from our Mortgage Default Team will review your information and contact you to discuss your situation.

Beware of Foreclosure Rescue Scams

Scam artists have stolen millions of dollars from distressed homeowners by promising immediate relief from foreclosure, or demanding cash for counseling services when HUD‐approved counseling agencies provide the same services for FREE. If you receive an offer, information or advice that sounds too good to be true, it probably is. Don’t let them take advantage of you, your situation, your house or your money. Remember, help is FREE.

Watch out for...

Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan.

Beware of any person or organization that says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.

Beware of any person or organization that advises you to stop paying your mortgage company and pay them instead.

Beware of any person or organization that asks you to make mortgage payments to anyone other than your mortgage company without their approval.

Beware of any person or organization that asks you to release personal financial information online or over the phone and you have not been working with this person and/or do not know them.

How to Report a Scam

Go to and fill out the Loan Modification Scam Prevention Network’s (LMSPN) complaint form online and get more information on how to fight back. Note: you can also fill out this form and send to the fax number/e-mail/address (your choice!) on the back of the form.

Escalation or Inquiry Process

If you have a complaint or wish to file an appeal about your loan regarding, or related to, our loss mitigation (foreclosure alternatives) process or our foreclosure process, please direct your concern, along with the name and the loan number, to the mailing address below.

You can send us a Notice of Error, Information Request or Qualified Written Request as part of the Real Estate Settlement Procedures Act to ask for information or to dispute errors about the servicing of your mortgage loan.

To do so, send us a separate letter that describes the issue and include any supporting documents. Please mail it to our exclusive address for the receipt and handling of these requests:

Flat Branch Mortgage, Inc.
PO Box 843084
Kansas City, MO 64184-3084
Attn: Escalation Center.