Former GMAC/Ocwen and
Wells Fargo Customer Programs


To inquire about these programs, please contact your Financial Counselor at 1(800)955-0021.
Guidelines herein are subject to periodic changes to 21st Mortgage guidelines. The guidelines below are intended to provide general information about the eligibility requirements for assistance. Eligibility may vary based on individual loan characteristics, and applications may be denied based on program guidelines.


21st Mortgage 1st Lien Modification

General Eligibility Guidelines
  • Home loan previously serviced by GMAC/Ocwen or Wells Fargo
  • Completed application
  • Documented borrower hardship

Modification Terms
  • Assistance to help bring your loan current
  • Interest rate reduction

How to Apply
  • To apply for a 21st Mortgage modification or check your eligibility, please contact your financial counselor at 1(800)955-0021.

21st Mortgage 2nd Lien Modification

General Eligibility Guidelines
  • Your first mortgage has been modified.
  • Your monthly principal and interest payment is greater than $100.
  • Your interest rate is greater than 1.00%.
  • Your post modified payment will be 5% less than your current payments.

Modification Terms
  • Assistance to help bring your loan current
  • Interest rate reduction

How to Apply
  • To apply for a 21st Mortgage modification or check your eligibility, please contact your financial counselor at 1(800)955-0021.

21st Mortgage Short Sale Program

To help you avoid foreclosures, 21st Mortgage may assist you in selling your home for less than the amount owed on the loan against the property. This is known as a short sale and approval is dependent upon numerous factors including, but not limited to, your loan balance, your income and payment obligations, the reason for selling the home, your overall financial situation, and the cooperation of any other lien holders.

General Eligibility Guidelines
  • Home loan previously serviced by GMAC/Ocwen or Wells Fargo

Short Sale Terms
  • Property valuation is less than the loan payoff.
  • The borrower has a documented financial hardship and completes all application requirements.
  • For second liens, approval is granted when the second mortgage receives the same payoff percentage the first mortgage is receiving, but other proposals may be considered.

How to Apply
  • To apply for a 21st Mortgage modification or check your eligibility, please contact your financial counselor at 1(800)955-0021.