The earlier you act, the more options you may have.

Watch this video to learn about requesting mortgage assistance. Then, explore the options below to determine what makes the most sense for your situation.

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Options to help you keep your home

If you’re struggling to make mortgage payments, we’re here to help you get back on track. Explore our mortgage assistance programs and see which options you may be eligible for.

Explore options

Already applied for assistance?

We know the process can be complex. Get answers to your application questions and explore videos about key milestones throughout your mortgage help journey.

Get answers

Options for selling your home

Our goal is to keep you in your home, but sometimes ongoing hardship can make it impossible to catch up on payments. If mortgage assistance options don’t work for your situation, it might be time to consider selling your home. When you sell, you can avoid foreclosure, preserve equity and protect your credit score.

Explore your options for selling your home – including pre-foreclosure sale, short sale or a deed in lieu of foreclosure – and how we can help you get started.

Explore options

We’re here to help.

If you have questions about any of your options, or if you aren’t sure what to do next, don’t hesitate to reach out to us.

Go to online banking.

Select Mortgage assistance to explore our programs and apply.

Log in Sign up

Talk to an expert.

Call 855-698-7627 for one of our trained team members to assist you in your mortgage help journey.

Call 855-698-7627

Get advice on late payments.

Talk to a loan specialist about delinquent payments by calling Default Counseling, Monday through Friday, 7:00 a.m. to 8:00 p.m. (CT) and Saturday, 8:00 a.m. to 2:00 p.m. (CT). 

Call a specialist about payments

Talk to a housing counselor.

For free or low-cost general advice about buying a home, renting, default or avoiding foreclosure, contact a housing counselor at the U.S. Department of Housing and Urban Development (HUD).

Call 877-588-0598

Other resources

For additional information on the services and resources available to you, please refer to the CFPB Housing Portal.

Our complaint process

If you have a complaint about our payment assistance programs or our foreclosure process, please direct your complaint, along with the name of each borrower and the loan number, to U.S. Bank Complaints, PO Box 211529, Eagan, MN 55121.

Start of disclosure content

Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.