We Are Here to Help

We are actively monitoring and implementing:

 

Homeowner Assistance Fund (HAF)

The Homeowner Assistance Fund "HAF" program was established by the United States Department of Treasury to provide aid to families impacted by COVID-19. The HAF program benefits vary from state to state.

Contact a HAF representative today to see if you qualify for assistance and the latest information about your state's HAF program at https://www.ncsha.org/homeowner-assistance-fund/.


Payment Resolution

If you were previously impacted by COVID-19 but are now able to resume your mortgage payment, we can guide you through the process to apply for all available payment deferral, partial claim, loan modification, and repayment programs.

Please see the below list and description of payment resolution options that may be available to you, depending on your individual circumstances:

REINSTATEMENT

  • Description: The balance of forborne payments is paid to bring the loan current.   
  • Best for: Customers who can continue to afford their regular monthly mortgage payments and have available funds to pay the balance of forborne payments without causing themselves further hardship.

REPAYMENT PLAN

  • Description: A portion of the amount you owe will be added to the amount you pay each month.
  • Best for: Customers who can pay more than their regular mortgage payments for a few months and can continue to afford their regular monthly mortgage payment thereafter. 

PAYMENT DEFERMENT (Fannie Mae/Freddie Mac)

  • Description: The balance of forborne payments is moved to the back of the mortgage and due at the earlier of the date the loan matures, the date the loan is paid in full, the date of the loan is refinanced, or the date the property is sold or transferred.  
  • Best for: Customers who can continue to afford their regular monthly payments.

PARTIAL CLAIM (FHA/VA) / MORTGAGE RECOVERY ADVANCE “MRA” (USDA)

  • Description: The payments suspended during your Forbearance plan are placed into a non-interest-bearing junior lien that is repaid when you refinance your mortgage or sell your home, or your mortgage otherwise terminates.   
  • Best for: Customers who can continue to afford their regular monthly payments.

MODIFICATION

  • Description: The monthly mortgage payment is lowered by modifying the terms of the mortgage note (interest rate & remaining term) and adding the balance of forborne payments into the remaining principal balance. 
  • Best for: Customers who can no longer afford their regular monthly payments and still wish to keep the property. 

LIQUIDATION

  • Description: There are three liquidation options. 1) A customer can sell their property and payoff their mortgage. 2) A customer can complete a short sale, where the property is sold for less than remaining mortgage principal balance. 3) A customer can complete a Deed in Lieu, where ownership of the property is signed over to RoundPoint (who will bear the responsibility of selling the property and paying in full the remaining mortgage principal balance).
  • Best for: Customers who no longer wish to keep the property.


Making Your Payment

Please visit our payments page for answers to your payment-related questions.

Sign up for electronic statements to ensure you are timely receiving the most up-to-date information about your account.

We recommend you make your payments online. This is the safest and fastest way to process your payment. And it is free-of-charge.

Make Payment Now



Customer Service

We remain firmly committed to addressing your needs, especially in challenging times. We are working hard to serve all customers and encourage you to fully utilize the website.

If you have not set up an online account, now is a great time to do so. With an online account, you can:

  • Access your account 24/7
  • Update your personal details
  • Make payments
  • Set up automatic payments
  • Sign up for paperless statements
  • And, much more
SET UP NOW

We're Here to Help

Please call us at 877.426.8805 to discuss your account needs. Representatives are available Mon. through Fri. from 8 a.m. – 9 p.m. EST and Sat. 10 a.m. – 3 p.m. EST.

We encourage you to review your online account: login here

• We encourage our customers to make online payments. The process is both free and easy.
Click here to Pay now.

• Payments can also be mailed to:
RoundPoint Mortgage Servicing LLC
PO Box 674150
Dallas, TX 75267-4150.

• As your Servicer, RoundPoint Mortgage Servicing LLC works closely with your applicable Investor (e.g. Fannie Mae, Freddie Mac) and/or Insurer/Guarantor (e.g. FHA, VA, USDA) to determine your available payment relief options.
• During your forbearance plan, we will check in with you and answer any outstanding questions you have about the forbearance plan and all options available when you’re ready to resolve the forborne payments.
• While on the forbearance plan, the suspended payments continue to accrue and remain outstanding at the end of the plan.
• If your financial circumstances have improved during or at the end of the plan, we will work with you to evaluate all available options and determine the best permanent solution, like a Loan Modification, Payment Deferral, Partial Claim, Repayment Plan, or Reinstatement.
• If your financial circumstances have not improved at the end of the plan, please give us a call to be reviewed for the best workout solution for you. 
 
The Consumer Financial Protection Bureau (CFPB) has resources and videos available at: https://www.consumerfinance.gov/coronavirus
You will not be charged late fees while you are on your COVID-19 Forbearance Plan.
• If the loan becomes delinquent during the forbearance plan term, your mortgage will report as current and active on a COVID-19 Forbearance Plan.
• If the loan remains current for the duration of the forbearance plan, your mortgage will report as current.

• If you are no longer impacted by COVID-19, you can request a resolution to your COVID-19 Forbearance Plan by calling 877.426.8805 to discuss post forbearance resolution options.
• If you are still impacted by COVID-19, please continue your forbearance plan.

• Yes, you can make full or partial payments at any time while your COVID-19 Forbearance Plan is active.
• Any payments made will reduce the balance of forborne payments accruing while the COVID-19 Forbearance Plan is active.
• Yes. You can shorten or cancel the term of your COVID-19 Forbearance Plan at any time to reduce the balance of forborne payments.
• We recommend only canceling your plan if your loan is contractually current, if you’re able to resolve all forborne payments, and are able to continue making your regular monthly mortgage payment.
• Please do not cancel your plan unless you are sure you can continue making your regular monthly mortgage payment.
• If your loan is current and you want to cancel your COVID 19 Forbearance plan, Click Here
• If you have other questions regarding canceling or changing the terms of your forbearance plan, please call us at 877.426.8805
We'll mail or e-mail (upon request) your plan documents following the setup of your plan.
• The coronavirus pandemic has left millions of Americans out of work and struggling with financial insecurity. This, combined with the heightened anxiety of our “new normal,” has opened the door of opportunity—for scammers. Learn what to look for and how to protect yourself. 
• Additional information can be found specific to Fannie Mae and Freddie Mac loans at www.fanniemae.com or at www.freddiemac.com.
• The US Department of Housing and Urban Development offers various counseling and other programs that may give you some more peace of mind. Visit HUD’s resource page here.
• For additional information, please visit VA.gov where you can find a list of frequently asked CARES Act questions and answers from VA.
• Visit USDA Rural Development's coronavirus website for more information on Forbearance for USDA guaranteed loans, www.USDA.Gov.
• Make your payment online: https://loansphereservicingdigital.bkiconnect.com/servicinghome.
• The Consumer Financial Protection Bureau (CFPB) has provided useful information for consumers related to COVID-19, including a Guide to coronavirus mortgage relief options and a useful video that explains your rights to a COVID-19 Forbearance Plan
Credit protections were put in place as a result of the COVID-19 National Emergency declared in late March 2020.
Credit protections ended Apr. 30, 2022.
If your loan was or became current during the COVID-19 National Emergency, your loan was reported as such to the Credit Reporting Agencies.

If you were current in early 2020, then enrolled in a COVID-19 protection plan after the National Emergency was declared, your loan was reported as CURRENT, and details about the workout plan were excluded to ensure your credit report was not negatively impacted.
RoundPoint Mortgage Servicing LLC reported contractually delinquent loans as current if the loan was enrolled a COVID-19 Forbearance protection plan.  When the Forbearance plan expired, if a Deferral was completed, the account was restored to a current status.

For delinquent loans NOT enrolled in a COVID-19 protection plan, negative reporting to Credit Reporting Agencies was suppressed from March 2020 to April 2022 in order to ensure your credit report was not negatively impacted.