Trouble Making Payments

If you are having trouble making payments on your mortgage, we have a variety of options that may help you stay in your home.

Repayment Plan.

This agreement is typically used if you have had a short-term reduction of income that severely impacted your ability to pay but is now resolved. Through a written agreement with CitiMortgage you pay your regular monthly mortgage payment and an additional amount each month to catch up on the delinquent payments over time. The repayment plan brings your account current over time as the payment obligations are met.


You agree to make portions of your mortgage payments at a later time. While the total amount paid will be the same or more, a deferment can be a way for you to buy more time and remain in your home if you are experiencing a temporary hardship.

Partial Claim.

This is an additional one-time loan to help homeowners repay missed or partial payments. The existing mortgage loan takes priority for payment going forward, and the partial claim loan is repaid after the original mortgage loan is paid.


A loan modification is a permanent change to one or more of the terms of your loan to provide a more affordable payment. For example, a loan modification may reduce your monthly payment by reducing the interest rate or extending the length of your loan.

Initial Modification Eligibility
Steps to Obtain a Mortgage Modification
Required Documents
Final Eligibility
Trial Plan Period
If You Do Not Qualify

Ready to apply for homeowner support?

Additional Information

Writing a Hardship Letter
Your hardship letter helps CitiMortgage evaluate your situation and find the appropriate solution based on your intent, income, loan and circumstances. Read more.

How do you know if you are eligible for a modification program?
Details on modification program eligibility. Read more.

How to Avoid Scams
To avoid challenges and obstacles along the path to preventing foreclosure, consider the help of a professional HUD, state, or other not for profit representatives. Read more.

Prepare to talk to a representative or call us at 1-866-272-4749 Monday through Thursday 8 am to 9 pm Eastern, Friday 8 am to 7 pm Eastern, and Saturday 8 am to 12 pm Eastern.