Facing Financial Hardships?

We understand that unexpected challenges can make it difficult for homeowners to meet their mortgage obligations. If you are struggling to make your mortgage payments, we may be able to help.  In most cases, working together sooner will increase the options available to you.

Possible options available to avoid foreclosure

You have several options to avoid foreclosure if you are unable to afford your mortgage payments, including:

  • Fixed “rate lock” option
  • Workout programs
  • Re-age / deferments
  • Refinance (via mortgage department)
  • Rate adjustment


How to get help

The first step is to contact us as soon as you begin facing mortgage payment challenges. Other options than the ones listed above may be available to you, as well. Please contact us immediately so that we can start working to help find you a solution.

Comerica Mitigation Department


Business hours 8:00 a.m. to 5:00 p.m. ET

HUD Counseling Line

If you need additional assistance, the U.S. Department of Housing and Urban Development (HUD) may be able to help by providing free or low cost credit counseling. You can access HUD’s voice response system for a list of approved credit counseling agencies at:


Service Members

If you are a service member or a service member dependent for further assistance, please contact the toll free Military One-Source Number:


The following financial documents may be requested and should be available when discussing options for avoiding foreclosure:


  • Income tax returns
  • Current pay stubs
  • Personal financial statement
  • Cash flow worksheet
  • HUD-1 (if applicable)
  • Purchase agreement (if applicable)
  • Form 4506T (Request For Tax Return)​