Real Estate Loan Payment Methods:
We have several options for paying your mortgage payment:
- Mail: You may mail your mortgage loan payment by Check, Money Order or Cashier's Check by Regular Mail, Return Receipt or by an overnight mail carrier to the following address:
Unified Mortgage Service, Inc.
2020 Camino del Rio N. #230
San Diego, CA 92108
- ACH: You may have your mortgage loan payment deducted automatically from your bank account. Please complete the ACH Form and provide your email address. ACH is offered as a free service.
- Check By Phone: You may call us at (619)298-4990 and request a check by phone be processed for your real estate loan payment. If you already have the ACH payment form complete and on file, simply click Check By Phone to email your request for the loan payment to be posted. If you have sent in the Check By Phone Request, we have your loan payment information on file. Mail your Check By Phone Request Form to us as it will contain personal information such as: Your name, account number, address, amount of check, bank account routing number and bank account number. There is a $15.00 convenience fee for this loan payment processing option. Please contact us by 11:00am for loan payment processing on the selected business day. Later requests will be processed the following business day.
- Online Payment: Your bank may provide an online payment option for processing your loan payment electronically. Feel free to contact your bank for details.
- Walk In: You may also walk in your mortgage payment to our office. We can provide you with a personal loan payment receipt for your records if you would like one.
Credit cards may not be used for a mortgage payment.
- You may bring your loan current. Please contact us for the amount due. Click Request Reinstatement Amount
to request Reinstatement Amount
or call us at (619)298-4990 or (800)870-6225
- You may qualify for a Loan Modification or Loan Forbearance Plan depending on your lenders' requirements. Either of these plans will require a written agreement signed by the parties setting forth the payments to be paid. Please see below for the documentation required to discuss the availability of a plan for your needs and ability to pay. You may call us at (800)870-6225 or (619)298-4990 to discuss your loan.
- You may be able to refinance your loan.
- You can contact The U.S. Department of Housing and Urban Development (HUD) for free or low cost housing counseling. The counselors can assist you in understanding the law and the options available to you. They can help you in negotiations with your lender and organizing your finances. If you would like this assistance, you may call HUD at (800) 569-4287 or TTY (800) 877-8339 to find an approved counselor near you. You may click to go to the HUD web site for Tips on Avoiding Foreclosure .
- Vist HUDs web site for additional information, to visit their site click HUD . To download a brochure from HUD, click here .
- If your are not able to keep your home and loan is in first position and you do not have any secondary financing, your lender may accept a Deed in Lieu of Foreclosure. Contact us by clicking e mail us .
- If you wish to sell your home, you may sell your home. If the amount financed is greater than the amount you can sell the property for on an open market, your lender may accept a short sale. Please contact us and provide us with contact information for your real estate agent.
If you would like to apply for a Loan Modification or Forbearance Plan on your loan with us, please gather and fax or email the following documents:
- Most recent Statement of Account for all loans or mortgages on the property.
- Most recent two months Pay Stubs for all borrowers on the account.
- Most recent two months Bank Statements for all borrowers on the account.
- Completed statement of information including real estate owned, contact information including addresses, phone numbers, and employers. Click here for the form to be completed, signed and submitted.
As your loan servicing company, we will forward the information to your lender for consideration and contact you as quickly as possible. Please feel free to call us or email us with any questions.
Unified Mortgage Service, Inc. is a Debt Collector, and is attempting to collect a debt. Any information obtained by Unified Mortgage Service, Inc. will be used for that purpose.
The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8:00a.m. or after 9:00p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse about your credit. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov .
Call us at (800)870-6225 to set up an appointment to discuss your loan.
If you have any questions about how your loan servicing is handled, please feel free to contact us.
Thank you!
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LOAN SERVICING: WWW.UMSI.BIZ
Please find Loan Servicing Payment Options and Home Retention Options on this page relating to your real estate loan.
Please feel free to email us or call us at (619)298-4990 for any questions or assistance about the servicing of your loan. You may email us any time and we will be available to take your call personally Monday through Friday from 9:00 to 4:00 except major holidays.
Thank you!
Loan Servicing www.umsi.biz
Homeowners' Bill of Rights
We look forward to arranging a amicable agreement between you as the Borrower and the Lender who were are servicing the account on behalf of. Please contact our office with a full package for your lenders' consideration and determination.
Feel free to contact us at our tool free phone number for home preservation (800)870-6225
We look forward to assisting you with your payment questions and account inquiries.
Home Retention Programs and Options to Avoid Foreclosure:
Programs may be available to qualified borrowers upon lender approval. As a loan servicer, we will work with you and your lender to determine the options available.
We are a loan servicer, providing collection on behalf of various lenders throughout the state. Loan Retention or Loan Modifications will depend on the Lender.
Loan Servicing by Unified Mortgage Service, Inc. visit us at www.umsi.biz .
or call us at (619)298-4990.
We are Licensed by California Bureau of Real Estate, Real Estate Broker 01182001 and Michele Canty 01190650. Licensed through the Nationwide Mortgage Licensing System & Registry (NMLS) as NMLS 253301 and 253661.
This site is not intended as an advertisement or solicitation outside of California.
Thank you for your referrals!