Bankrate asked 10 top lenders — Bank of America, Chase, Citigroup, Countrywide, IndyMac, National City, Residential Capital (GMAC), Wachovia, WaMu and — to outline their procedures for helping struggling borrowers save their homes. What is the first thing borrowers should do if they are at risk of missing a payment? They should call Chase at the phone number that is on their mortgage statement. When should borrowers call you — before they’re late with their first payment, or sometime later on (e.g., 60 to 90 days after missing the first payment)?

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Borrowers concerned they may miss a payment should call their lender. It is never too early to start the discussion. Should a borrower ask to speak with someone specific? Shariah Program Classical Arabic Dictionary.

If a borrower calls Chase to discuss possible payment difficulties, the initial discussions will be handled through the customer care department. A borrower who goes into default will be assigned an individual Chase representative who is trained to understand the customer’s individual financial situation.

The representative will help the customer try to bring the loan up to date. If the problem is long term, each customer will be assigned to a homeowner’s assistance representative. The specially trained representative gets to know the customer’s individual circumstances, income and expenses. What information should borrowers have available when they call? Initially, the borrower should have their loan information including the loan number that can be found on their statement. As the process moves forward Chase may ask borrowers for additional information.

For example, in the loan modification process Chase asks borrowers to provide their two most recent bank statements, their two most recent pay stubs, their most recent federal income tax returns and a hardship letter. What types of solutions might be available to borrowers? Chase continues to explore and implement additional ways to assist customers and keep them in their homes. These include: • The Foreclosure Rescue Program.