Assistance may be available to help you avoid foreclosure. For general inquiries, contact our Loan Servicing department by calling 866-923-7112 or emailing [email protected]. If you email us, please provide your loan number, phone number, email address, and mailing address.

Based on your current loan situation, you may qualify for one of the following options:

1. Loan Modification - Modifying the current terms of your loan to give you a more affordable monthly home loan payment
2. Repayment Arrangements - Developing a plan to repay the full amount owed over time
3. Deed-in-Lieu - Signing a deed transferring title to the property to Axos Bank to avoid foreclosure
4. Short Sale - Axos Bank agrees to accept less than a full payoff of the loan from the sale of the property
5. Full Reinstatement - Paying all past due amounts to bring your loan current

If you would like to learn more about which option might be most beneficial to you, and your request is NOT COVID-19 related, please contact us at 877-764-9998 during normal business hours.

You will need to provide the following information (if applicable):

• Hardship Letter – an explanation of why you’re having trouble paying your mortgage
• Financial Worksheet – information about yourself, co-borrowers, the property, your income and expenses and details of your hardship

For Fannie Mae loans:

• Uniform Borrower Assistance Form (Form 710)
• Internal Revenue Service Short Form Request for Individual Tax Return Transcript (IRS form 4506-T-EZ)

For Freddie Mac Loans:

• Uniform Borrower Assistance Form (Form 710)
• Internal Revenue Service Short Form Request for Individual Tax Return Transcript (IRS form 4506-T-EZ)

• 1099 IRS form – shows your income from investments, tax refunds, retirement income and other sources
• 4506-T – authorizes Axos Bank to obtain a copy of your recent tax returns from the IRS
• Federal Tax Returns – the last two years tax returns, including all forms and schedules, to show your income from all sources
• W-2 – shows wages paid and taxes withheld by your employer
• W-8 – for non-resident alien, to show certain withholding exemptions
• Bank or brokerage statements
• Financial statements (profit and loss statements)
• Lease or rental agreement
• Paystubs
• Rental income
• Canceled checks – to show expenses you have paid
• Divorce Decree
• Schedule of real estate owned
• Trust Agreement
• Third Party Authorization Form
• Proof of occupancy – to prove you are living in your home
• Power of Attorney
• Listing Agreement
• Purchase or Sale Agreement

Servicemembers Civil Relief Act (SCRA)

Contact your unit’s Judge Advocate, Legal Assistance Officer, or “Military OneSource” at 800-342-9647 or www.militaryonesource.mil/legal if you believe you may have rights under the Servicemembers Civil Relief Act (SCRA) as a member of (or dependent of a person in) the following: military commissioned corps of the National Oceanic & Atmospheric Administration commissioned corps of the Public Health Service military reserves called to active duty full-time member of the National Guard

HUD Housing Counseling

The U.S. Department of Housing and Urban Development (HUD) sponsors free or low cost housing counseling throughout the country. Housing counselors can help you understand the law and your options. They can also help you organize your finances and represent you in negotiations with your lender if you need assistance. You may find a HUD-approved housing counselor near you by calling 800-569-4287 or online at www.consumerfinance.gov/find-a-housing-counselor/. For hearing-impaired customers, HUD Counseling Agency (TDD) numbers are available at 800-877-8339.