In order to be considered for a home retention program, you must submit a complete application to SPS. We will use these documents to determine your eligibility for our home retention programs. It is important that you submit the documents to us as soon as possible because we cannot determine eligibility until we receive all required documents.
What documents to submitTo determine the documents required to start the application process, please enter the SPS account number for which you are requesting assistance
Account Number
If you need additional assistance, you may contact one of our experienced Loan Servicing Representatives at (888) 818-6032.
You must submit a copy of your filed tax return for the most recently completed tax year including all supporting schedules.
If you do not have a copy of your tax return, you can use the IRS 4506-T form to obtain a copy of your tax transcripts from the IRS. Once you receive a copy, you can then submit your transcript to SPS as part of your application. If needed, click 4506T-EZ PDF for a copy of the form.
If you are exempt from filing taxes, please provide a written statement detailing the reason for your exempt status.
If you would like SPS to use income from a non-borrower residing in the property when determining what options are available for your account, please have that individual complete and return the Non-Borrower Credit Check Authorization Form.
Please note: if income is not considered in the evaluation for your account, you are not required to provide this form.
For your convenience, we provide multiple methods for you to submit documents. Regardless of the method you choose, please include your account number on all documents.
You may follow the Upload Documents link to upload files directly to our website. You may fax the documents to (801) 293-3936 or toll free (866) 867-3019* Note: If there is a foreclosure sale scheduled for your home in the next 30 days, you are required to send all documents to SPS via overnight mail with delivery confirmation. If you are unsure if there is a sale scheduled for your home in the next 30 days, please contact us immediately at (888) 818-6032 for more information.
The Loan Servicing Representative will be able to answer any questions you have about our home retention options and the required documents. They will also be able to discuss with you any missing or incomplete documents that are required before we can determine your eligibility for any of the programs. You may contact one of our experienced Loan Servicing Representatives at (888) 818-6032.
Once we have received a complete application, we will review your account to determine eligibility for all available home retention options. It may take up to 30 days to reach a decision. Once a decision has been reached, SPS will send you a decision letter explaining the options to which you are eligible for and available to you.
If you are offered a repayment plan, the decision letter will include the terms of the plan, including the length and the payment amount. The letter will also explain the steps you need to take to enter into the plan, which may include signing and returning documents or making the first payment.
If you are offered a modification, the decision letter will include a trial modification packet. All modifications require a trial period (usually 3 months), during which you will make the proposed modification payment to ensure the payment is affordable. The packet will include the terms of the trial modification as well as instructions for submitting your trial modification payments. It is important that you make all trial modification payments on time.
Once you successfully complete the trial period, the account is reviewed for a final modification. At that time, we will mail the final modification documents to you for signature. Once we receive your signed modification agreement, we will permanently change the terms of your account.