♦ Refinancing
♦ Repayment plans
♦ Loan modification
♦ Short sale
 
If you’re facing financial hardship or uncertainty, please email us at lossmit@admortgage.com and share your circumstances. Our team will work with you to identify the most suitable path forward and guide you through the next steps.
 
You’re also welcome to reach out if you have questions or would like to speak directly with an agent.
 

 
How to Spot a Mortgage Scam
 
Watch out for these common red flags that may indicate fraudulent activity:

♦ Urgent messages that include your Mortgage ID number
We never send mail with your loan details printed on the outside.
 
♦ Phone numbers that don’t begin with a toll-free area code (e.g., 800, 855, 866) or are not listed on our website
You can always verify the number on our website admortgage.com/mymortgage/
 
♦ Documents claiming to be from the “Underwriting Department”
Our underwriting team does not send direct notifications to customers.
 
♦ Requests for payment using unconventional methods
These may include prepaid debit cards (e.g., Green Dot), or wire transfers via Western Union or MoneyGram to individuals.
Always verify our official payment methods. If something seems off, call us right away.
 
♦ Demands for up-front fees to begin a loan modification, refinancing, or reinstatement process
We never charge fees to apply for or approve loan modifications.
 
♦ Instructions to send payments to a third party instead of us
 
♦ Pressure to make decisions you don’t fully understand
Be cautious if you’re asked to sign over your deed or any paperwork without having time to review and ask questions.
 

♦ Use of phrases like “government approved” or “official government” in loan modification offers
Agencies like HUD or entities like Fannie Mae will never contact you directly to offer a loan modification.
 

♦ Payments you’ve made toward a trial or modification agreement that we have no record of
If this happens, contact us immediately so we can investigate.

 
Applying for Mortgage Assistance
 
If you’re experiencing financial hardship, you can apply for mortgage assistance by emailing our Loss Mitigation Department at lossmit@admortgage.com.
 

Important: If you are currently involved in an active bankruptcy case, please consult your attorney before submitting an application.

 
Timely action is critical, especially if you’ve already received collection notices or are in the foreclosure process.
 
Documents Required
Once we receive your request, we’ll send you a list of required documents along with the application form. If additional information is needed during the underwriting review, we’ll notify you and provide a reasonable timeframe to submit the requested materials.
 

Note: Document requirements vary based on your individual circumstances.

 
Application Review Process
 
♦ After we receive your application and supporting documents, we’ll send a confirmation letter indicating whether your application is complete or if additional items are needed.
♦ All communications will be sent via email using the contact information we have on file.
♦ If your application is complete, we’ll evaluate it and issue a decision letter within 30 days from the date it was deemed complete.
♦ If more documentation is needed during underwriting, you’ll receive an email listing the required items and a deadline for submission.
♦ Once the requested documents are received by the due date, we’ll review your application and provide a decision letter within 30 days of receipt.
 
As part of the evaluation, we may obtain a property valuation — such as an appraisal or Broker’s Price Opinion (BPO). If we do, you’ll receive a copy of the valuation, regardless of the outcome of your application.
 
If you have any questions, please don’t hesitate to contact us.

 
♦ Email: lossmit@admortgage.com
♦ Fax: (877) 903-2967
♦ Mail:
A&D Mortgage LLC
899 W Cypress Creek Rd
Fort Lauderdale, FL 33309
 

Reminder: No matter how you submit your documents, be sure to include a cover note with your name, loan number, property address, and contact information.

Important Notice: If you’ve been making payments under the impression they’re part of a trial or modification agreement — but we have no record of them — please contact us immediately. We’ll investigate the issue and help clarify your situation.

 
If you’re finding it increasingly difficult to keep up with your mortgage payments — but haven’t fallen behind yet — refinancing may be a simple and effective solution. It could help lower your monthly payment and ease financial pressure.
 
To be eligible for refinancing through a mortgage assistance plan:
♦ Your account must be current for the past six months.
♦ You must have no more than one late payment in the past 12 months.
 
There may be additional eligibility criteria, which we’ll be happy to discuss with you when you reach out.
 
If you qualify, refinancing can be one of the most straightforward ways to regain financial stability — often with minimal impact to your credit score or living situation.
 

 
If you’re approved for a mortgage assistance solution, you may be required to complete a Trial Period Plan as part of the process.
 
This plan typically lasts three months, during which you’ll make a new monthly payment amount.
It’s essential that these payments are made on time and for the exact amount specified in your Trial Period Plan approval letter.
 
Why a Trial Period Plan Is Required
The Trial Period Plan allows you to demonstrate your ability to consistently make the estimated modified mortgage payment.
It also helps investors assess your long-term ability to repay the loan.
 
Keys to Success
Your Trial Period Plan will come with specific instructions. To successfully complete it, you must follow the guidelines for timing, frequency, and payment amount precisely.
 

Note: Failure to meet these requirements may result in not completing the Trial Period Plan successfully.

 
♦ It’s strongly recommended to make your payment early in the month to stay on track.
♦ However, you do have the entire month to make the payment.
♦ Late payments will not be accepted and may cause you to fail the plan.
 
Frequency
♦ Only one payment per month should be made.
 
Payment Amount
♦ You must pay the exact amount stated in your approval letter.
 

Note: After completing the Trial Period Plan, you must continue making monthly payments until your mortgage assistance solution is finalized.

 
If you have questions about this phase of the mortgage assistance process, please contact us:
 
Email: servicing@admortgage.com
Phone: (305) 760-9090

 
A repayment plan is an agreement that allows you to spread your past-due mortgage amount over a set period—typically 3 to 6 months. During this time, you’ll make your regular monthly payment plus a portion of the overdue balance until your account is brought current.
 
Repayment plans are often a good fit for homeowners experiencing temporary financial hardship.
 
As with all mortgage assistance options, the earlier you reach out, the more likely we can offer a solution that works for you.
 
If you’re able to pay more than your usual monthly amount until the missed payments are resolved, a repayment plan may be a suitable option.
To check the availability of this program, please email us at lossmit@admortgage.com.

 
If you’re experiencing a long-term financial hardship, a loan modification may help make your mortgage more manageable. Unlike refinancing — which replaces your existing loan with a new one — a loan modification adjusts the terms of your current loan.
 
One possible modification method is extending the loan term, which may help you stay on track with payments.
 

Note: Eligibility requirements can vary depending on your loan’s investor and other factors. We’ll review your situation and explain the options available to you.

 
Trial Period Plan Requirement
If you’re approved for a loan modification, you will first need to complete a Trial Period Plan. This temporary payment phase allows you to demonstrate your ability to consistently make the estimated modified payment.
 
During the Trial Period Plan, you may be assigned a new monthly payment amount.
If you make all payments on time and meet the plan’s requirements, we’ll prepare and send you the permanent loan modification documents for your review and signature.
 
To check the availability and submit a request, please email us at lossmit@admortgage.com

 
Under the federal Servicemembers Civil Relief Act (SCRA), eligible military personnel may qualify for a range of mortgage-related protections. These benefits are separate from Veterans Affairs (VA) programs.
 
If your mortgage was originated before your active military service, you may be entitled to the following benefits during active duty and for up to 12 months afterward:
 
♦ Protection from foreclosure
♦ Interest rate reduction to a maximum of 6%, if your current rate is higher
♦ No new late fees
♦ No new legal fees
 
Who May Qualify for SCRA Benefits
 
You may be eligible if you are:
 
1. A regular member of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corps, or Coast Guard).
2. A Reserve or National Guard member who has been activated for federal active duty.
 

Note: Members called to state active duty are not covered under SCRA. However, many states have enacted laws that extend similar protections.

 
3. A National Guard member called to active duty for more than 30 consecutive days under Section 502(f) of Title 32, U.S. Code, in response to a national emergency declared by the President and supported by federal funding.
4. An active-duty member of the Commissioned Corps of the Public Health Service or the National Oceanic and Atmospheric Administration (NOAA).
5. A U.S. citizen serving with the armed forces of an allied nation during a war or military action.

 
How to Apply for SCRA Benefits
To request SCRA protections, please send us a copy of your Active Duty Orders.
 
You can submit your documentation in one of the following ways:
 
♦ Email: servicing@admortgage.com
♦ Fax: (877) 903-2967
♦ Mail:
A&D Mortgage LLC
ATTN: SCRA/Military Families
899 W Cypress Creek Rd
Fort Lauderdale, FL 33309
 
Once we receive your documents, we’ll let you know if additional information is needed. This may include details about your loan, debt, or your FHA case number (if applicable).

 
If keeping your home is no longer financially feasible, a short sale may offer a way to avoid foreclosure and make a fresh start.
 
A short sale allows you to sell your home for less than the amount owed on your mortgage, subject to investor approval.

Important Notes:
♦ If your home has equity — meaning its market value is higher than your outstanding mortgage balance — you should consider a traditional home sale instead.
♦ Some investors may require you to be evaluated for all home retention options before approving a short sale.

 
Documentation and Review Process
We may request specific documentation to complete the short sale review.
To avoid delays, please ensure all requested documents are submitted promptly.
 

Reminder: A short sale may have tax implications and could affect your credit. We recommend consulting a tax advisor to understand the potential impact.

 
Understanding a Notice of Default
 
A Notice of Default is a legally required notification sent when a mortgage loan is in default. This notice is issued in accordance with the terms of your mortgage agreement, applicable federal or state laws, or specific investor requirements.
 
The notice outlines:
 
♦ The total amount needed to bring your loan current
♦ The timeframe within which the delinquency must be resolved
 
These notices may also be referred to as:

♦ Breach Letter
♦ Default Letter
♦ Notice of Intent