mortgage assistance Support

We love our members and their homes. We also know that sometimes life can throw us a curve ball. That's why we're here for you and have made applying for mortgage assistance a straightforward process. We'll have to get necessary documentation in order to give you the relief you need.

Please note: If you're currently engaged in active bankruptcy, you should always consult with your attorney before starting a mortgage assistance application.

Start the online application process

If you don't have an online account, click here to find the appropriate form to manually fill it out. In determining whether you are eligible for a modification program, we may obtain a valuation of your property such as an appraisal or BPO. In such case, we will promptly provide you with a copy of any such valuations regardless of whether you are approved for a modification. Copies of valuations will be provided at no cost to you.

If you have further questions, you may contact customer service at 855-430-8489.

Required Documents

Now for the second step: Gathering the documents that may be required by the government and/or investors for review.

The number of documents you will need to submit can vary based on your situation. You can download the first three below.

It is important to understand that if too much time elapses between document submissions, the earlier documents you submit may expire and no longer be valid by the time you submit all required documents.

Here are documents you may need to submit. Please call us at 855-430-8489 if you are unsure which documents are required to support your application.

IRS Form 4506-C

This form gives USAA the right to request a copy of the federal tax return(s) you filed with the IRS. Download for IRS-4506T-EZ FORM (Opens New Window) .

HARDSHIP AFFIDAVIT FORM

This form is used to explain the nature of your financial difficulties and your reason or reasons for requesting assistance. Download for hardship affidavit form (Opens New Window) .

Dodd-Frank Form

This form certifies you have not been convicted of any crimes associated with a mortgage or real estate transaction within the past ten years. Download for DODD-FRANK FORM (Opens New Window) .

Proof of Income

In order to complete the process, you're going to need to show various proofs of your income.

FOR HOURLY OR SALARY WAGES, PLEASE PROVIDE THE FOLLOWING:

Pay stubs covering at least 30 consecutive days, dated within the last 90 days. Stubs must display your name, your employer's name, the pay period and your year-to-date earnings and deductions. If your pay stubs are missing any of these components, please provide a letter of explanation.

If you are a contract employee who does not have federal taxes deducted, please follow the self-employment guidelines below.

FOR SELF-EMPLOYMENT INCOME, PLEASE PROVIDE THE FOLLOWING:

A Profit and Loss (P&L) statement for the most recent quarter or your year-to-date earnings. The statement must include your business name, the earnings period and itemized business expenses such as wi-fi, phone, office space and business travel, etc. If you pay wages to employees and/or yourself, you must include a breakdown of the wages paid.

FOR RENTAL INCOME, PLEASE PROVIDE THE FOLLOWING:

A copy of all rental lease agreements signed and dated. These must include the property address, rental amount, borrower and tenant signatures and start and end dates of the lease.

FOR BENEFIT INCOME (SSI, RETIREMENT, PENSION, OR ANNUITY), PLEASE PROVIDE THE FOLLOWING:

A copy of your current award letter or other proof of expected monthly income.

FOR UNEMPLOYMENT, PLEASE PROVIDE THE FOLLOWING:

A copy of your current unemployment award letter.

IF YOU ARE A CHILD SUPPORT OR ALIMONY RECEIVER, PLEASE PROVIDE THE FOLLOWING:

Court-recorded documentation that shows your expected monthly income.

FOR OTHER INCOME SOURCES, PLEASE PROVIDE THE FOLLOWING:

A detailed letter of explanation describing the income source, amount and frequency.

NOTE: Depending on the requirements of the investor/guarantor of your mortgage, additional information may be required as your application progresses.

You'll also need to provide information about occupying non-borrowers if applicable. An occupying non-borrower is someone who lives at the property and contributes toward the mortgage but who is not on the loan. Examples might include a roommate or someone renting a room in the house from you.

If you have an occupying non-borrower in the residence, they need to do the following:

If the occupying non-borrower is not contributing 100% of their income to the household, they must provide a Contribution Statement. This is a letter verifying they live in the home and stating how much money they contribute each month to the mortgage.

The fastest way to get your application in is to complete it online and upload your documents. Click here for hardship affidavit form to get started now. If you would prefer to fill out your application by hand, click here for hardship affidavit form(Opens New Window) to view and print it.

To avoid delays, please make sure the application is filled out completely and legibly. Once complete, please send your application and all supporting documents to the fax number or mailing address below:

Mail:
USAA Loss Mitigation
P.O. Box 610786
Dallas, TX 75621

If you need assistance or have questions please call us at 855-430-8489.

Beware of Fraud

Unfortunately, there are bad people out there who take advantage of homeowners seeking help with their mortgage. We want to be sure you don’t fall for any scams.

If you get a phone call, letter, or email about your mortgage that seems suspicious (especially if it asks you to make a payment or agree to trial mortgage terms) please call us right away at 855-430-8489. We’ll check our records and let you know if it’s legitimate or not.

Here are a few common “red flags” that indicate a communication is likely a scam:

Contact phone numbers that do not begin with a toll-free area code (e.g., 800, 855, 866, etc.). We never provide personal or cell phone contact numbers in official communications related to homeowner assistance.

The phrases “government approved” or “official government” in descriptions of loan modification offers.

Finally, if you have been making payments you have been led to believe are going towards a trial or modification agreement, but we have no record of them, something’s wrong. Please call us as soon as possible so we can look into it and determine if fraud is involved.

Note: The form/s on this page require Adobe Reader software to view and print. You can get the software for free here Get Adobe Reader .