Home Retention\Covid 19 Assistance

Covid-19 Information

AT A&D Mortgage, the health and safety of our customers, employees and partners is our priority #1. We also understand that the economic disruption caused by COVID-19 may impact you financially. If you are currently experiencing a financial hardship that is making it difficult to make your monthly payments – we are here to help. We want to make sure that you understand available options and how the assistance will impact you going forward. We are committed to making this plan available and easy to understand for all of our borrowers affected by the pandemic.

Additionally, never make your mortgage payments to anyone other than your mortgage lender without its written approval. Most importantly, stay well in these unusual times.

Please contact us as soon as possible at 855-760-7600 or send us an email to servicing@admortgage.com.

If you are impacted by Covid-19 and having difficulties paying your mortgage. The sooner you contact us, the sooner we can help you to avoid foreclosure and keep your home.

Loan Modification

An agreement between you and A&D Mortgage to change the original terms of your mortgage, such as payment amount, length of loan, interest rate, etc.

  • Allows you to make a trial payment plan before permanently modifying the mortgage to make sure you can afford your home after modification
  • May reduce your monthly mortgage payments to a more affordable amount
  • Less damaging to your credit score than a foreclosure
  • Stay in your home and avoid foreclosure

Forbearance Plan

An offer by A&D Mortgage to temporarily suspend or reduce your monthly mortgage payments for a specified period of time.

  • Have time to improve your financial situation and get back on your feet
  • Less damaging to your credit score than a foreclosure
  • Stay in your home and avoid foreclosure

Repayment Plans

An agreement between borrower and lender that lets you pay the past due amount, added on to your current mortgage payments, over a specified time period to bring your mortgage payment current.

  • Resolve your delinquency
  • Catch up on your past due payments over an extended period of time
  • Less damaging to your credit score than a foreclosure
  • Stay in your home and avoid foreclosure

Short Sale

A short sale is the sale of a home for less than the balance remaining on your mortgage.

  • Eliminate or reduce your remaining mortgage debt
  • Assistance for relocation may be available
  • Start repairing your credit sooner than if you went through a foreclosure


With a Mortgage Release (Deed-in-Lieu of Foreclosure), you transfer the ownership of your property to the owner of your mortgage in exchange for a release from your loan and payments.

  • Eliminate your mortgage debt
  • May be eligible for relocation assistance
  • Start repairing your credit sooner than if you went through a foreclosure

Making decisions about your mortgage when you are facing financial challenges can be uncomfortable and overwhelming.

If you are experiencing a financial hardship and need help, you must submit this form:

Mortgage Assistance Application

Please review a list of documentation that will help us to better understand your financial situation below:

  • Income verification
  • Tax Return
  • Copy of P&L statement
  • Letter of hardship
  • Current bank statements

A&D Mortgage is here to assist you in exploring the best option for your individual situation. Call us today at 1-305-760-9090

HUD Approved Counseling

If you would like free personalized counseling or assistance, you can contact the U.S. Department of Housing and Urban Development (HUD): For a list of homeownership counselors or counseling organizations in your area, go to https://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call 800-569-4287.

HUD Fair Housing

The mission of the Office of Fair Housing and Equal Opportunity (FHEO) is to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities by leading the nation in the enforcement, administration, development, and public understanding of federal fair housing policies and laws. The federal Fair Housing Act makes it unlawful to discriminate in the sale, rental, or financing of homes, including the servicing of home mortgage loans, because of race, color, national origin, religion, sex, familial status, or disability. For more information on HUD’s FHEO, please visit https://www.hud.gov/program_offices/fair_housing_equal_opp.

Know your rights

Effective January 1, 2013, the California Homeowner Bill of Rights (HBOR) was enacted to ensure fair lending and borrowing practices for California homeowners. The intention of CA HBOR is to assist Borrower(s), who are struggling to make his or her mortgage payments, by exploring options that may be available in efforts to avoid foreclosure.

Depending on your financial situation and/or circumstances, some of the options that may be available include, but are not limited to, certain programs such as Loan Modifications and other Making Home Affordable (MHA), Assistance Programs (e.g. “U.S. Treasury’s Home Affordable Program (HAMP)” or “Home Affordable Alternatives (HAFA)” ).

If you are a Borrower protected under the California HBOR and wish to explore options that may be available, please contact our Servicing Department.

Additional Resources

For additional information about preventing foreclosure, avoiding fraud scams, and accessing approved counseling at no cost to you. For a list of HUD-approved housing counseling agencies that can provide free foreclosure prevention and debt management information, as well as translation or other language assistance, contact one of the following federal government agencies.

For additional information on how to avoid foreclosure, including help for military service members, you may also visit Fannie Mae’s www.KnowYourOptions.com.