Financial Hardship Assistance

Possible Assistance Options

Available options vary by loan type and individual circumstances. They may include:

• A repayment plan to address past-due amounts over time
• A temporary payment reduction, forbearance, or payment deferral, when available
• A loan modification that may change the interest rate, term, payment, or other loan terms
• For certain residential real estate loans, alternatives such as a short sale or deed-in-lieu of foreclosure if home retention is not feasible

Important: Not every option is available for every loan. Eligibility, documentation, approval, and terms depend on the loan program, lien position, investor or insurer requirements, applicable law, and KeyPoint policy.

Your Application and Monthly Payments

Submitting an application does not guarantee approval or permanently change your loan terms. Continue making payments as scheduled unless KeyPoint provides different instructions in writing. When applicable law restricts foreclosure activity, fees, or other servicing actions while a complete application is under review or an appeal is pending, KeyPoint will administer the loan in accordance with those requirements.

No Application Fee

KeyPoint does not charge a fee to apply for hardship assistance. Be cautious of anyone who asks for upfront payment or guarantees a loan modification or foreclosure relief.

What to Expect After You Apply

• We will acknowledge your submission and review it for completeness.
• We may contact you for additional information or documents needed to evaluate your request.
• We will evaluate the assistance options available for your loan and circumstances.
• We will provide the decision and any required notices. If assistance is approved, you will receive written terms before any change becomes effective.