Skip to Content

National Mortgage Settlement

National Mortgage Settlement

For more information about the Ocwen mortgage servicing settlement, please click here.

For more information about the SunTrust mortgage servicing settlement, please click here.

Call the State of Tennessee Mortgage Hotline at 855-876-7283 (toll free) if you are having problems with your mortgage.

Tennessee, along with 48 other Attorneys General and several federal agencies, reached an agreement with the nation's five largest servicers: Bank of America, Chase, Citi, GMAC/Ally Financial, and Wells Fargo. This national mortgage settlement provides relief to eligible homeowners such as loan modifications, refinance, forbearance, and short sales. The settlement also sets out new servicing standards for the servicers to implement to improve communications with these servicers. For instance, the servicers must provide homeowners seeking loan modification assistance with a single point of contact regarding their situations. For more information about the settlement, please visit the national mortgage settlement website.

Contact Your Mortgage Servicer

Your servicer is the company to which you make your monthly mortgage payment. It will take some time for these five servicers to implement these programs. You should be contacted directly by your servicer if you are eligible.

In the meantime, please contact your servicer directly at the following toll-free number to find out more information:

  • Bank of America: 877-488-7814
  • J.P. Morgan Chase: 866-372-6901
  • Citi: 866-272-4749
  • GMAC/Ally Financial: 800-766-4622
  • Wells Fargo: 800-288-3212

Homeowner Assistance in Tennessee

Tennessee homeowners who are having problems with their mortgages regardless of their servicer are encouraged to contact a free foreclosure prevention counselor for assistance. For a list of counselors or more information about housing assistance programs, please go to Keep My Tennessee Home.

If you are having trouble making your mortgage payment because you are unemployed or underemployed, including employment issues due to a long-term medical hardship, you may qualify for mortgage payment assistance. For more information, please call the mortgage hotline at 855-876-7283 or go to Keep My Tennessee Home.


If you lost your home to a foreclosure between January 1, 2008, and December 31, 2011 and your loan was serviced by Ally/GMAC, Bank of America, Citi, JP Morgan Chase, or Wells Fargo, you may be eligible for a payment under this settlement. Details about the eligibility requirements and the benefits are available at the national mortgage settlement website.

National Mortgage Settlement payments were mailed to eligible Tennessee residents in June 2013. If you did not receive a check but believe you should be eligible, please contact the National Mortgage Settlement Administrator by telephone at 866-430-8358 (hearing impaired call 866-494-8281), Monday through Friday 7:00 a.m. – 7:00 p.m. Central Time or by email at You can also find out more information about this foreclosure payment program by visiting the national mortgage settlement website. If you have any questions about these payments, please contact the National Mortgage Settlement Administrator.

You may also be eligible for relief under a separate federal "Independent Foreclosure Review" program. These payments were mailed out starting in April 2013. For more information, please go to the federal foreclosure review program or call 888-952-9105. You can also watch a video about the review program or watch the Spanish version of the video.

National Mortgage Settlement FAQs

Additional Information

The Consent Judgments for this settlement were approved by the U.S. District Court for the District of Columbia in April 2012. For copies of the documents and updated information about this national mortgage servicing settlement, please go to the national mortgage settlement website.

Mortgage Settlement Coordinator Matt Pulle Discusses the Tennessee Mortgage Hotline

Attorney General Bob Cooper Discusses Benefits of the National Mortgage Settlement

Attorney General Bob Cooper Discusses Help for Tennessee Homeowners

Tennessee Attorney General's Office Discusses National Mortgage Settlement