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Borrower Assistance & Loss Mitigation

Here’s how we can help

If you’re experiencing a hardship or have other needs, we’ll work with you. On a case-by-case basis, we’re offering various assistance programs to our borrowers that may include: payment deferral, forbearance, or modification.   Cascade always recommends that you keep your mortgage payments current. If you are experiencing a hardship, we may be able to help.

If you are unable to make one or more of your payments, there may be additional options depending on your circumstances and investor, federal and state guidelines.

  • What’s a payment forbearance? Click here to find out.
  • What’s a payment deferral? Click here to find out.
  • We may have other options available based on our circumstances. Please give us a call.

We’re here to help! Give us a call.

Cascade Financial offers Loss Mitigation Retention and Disposition options for our borrowers.  The options have qualifying guidelines and eligibility requirements that Cascade must follow:

  • Retention options are for borrowers that want to continue to live in the property.
    • Examples of Retention Options:
      • Loan Modification
      • Home Affordable Modification Program (HAMP)
    • Disposition options are for borrowers that are no longer interested in keeping the property or can no longer afford the property.
      • Examples of Disposition Options:
        • Pre-Foreclosure Sale
        • Deed-in-Lieu of Foreclosure

For information regarding qualifying for Loss Mitigation options, please contact one of our Loan Counselors at:

  • Toll Free: (866) 939-5581; or
  • Email: lmdocs@cascadeloans.com; or
  • Fax: 480-821-6524 ATTN: Loss Mitigation
  • Mailing Address:
    Cascade Financial Services
    ATTN: Loss Mitigation
    P.O. Box 15035
    Chandler, AZ 85244

Please click here  for a checklist of items Cascade Financial will need to determine what Loss Mitigation Option you might qualify for.

Additional Resource for ALL borrowers:

Additional Resource for borrowers with FHA loans:

Be aware of foreclosures and loan scams

Cascade does not charge fees for a modification or other loss mitigation plans when you are facing a delinquency.

Cascade does not accept payments from Money Gram.

Cascade will work with you to ensure every option possible is explored to retain home ownership. No fees. No strings..

Funds are always payable to Cascade and not to an individual.

Cascade Customers

What to Do Right Now if You are Delinquent

  1. Do not ignore letters and calls from Cascade. If you're having problems making your payments, contact us right away. Explain your situation and be prepared to provide financial information, such as your monthly income and expenses. We need this information to know what programs may be available to help.
  2. Let us know as early as you can that you're having difficulty making payments. Our ability to help often gets harder with each missed payment. But even if you're already in foreclosure and have never responded to our calls or letters before, it still may not be too late. Call us right away as there may still be programs available to help you avoid foreclosure.
  3. Stay in your house for now. Abandoning your property could make it harder for you to qualify for programs meant to help you.
  4. Beware of scams. Scam artists try to exploit struggling homeowners. Beware of anyone who wants to charge you a fee to help modify your loan or provide counseling. Look out for people who pressure you to sign papers quickly or tell you they can save your home if you transfer the deed over to them.
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