Skip to main content

Homeowners with Payment Challenges


At Trustmark we understand that there are times when it can be difficult to make your mortgage payment. If you are facing a payment challenge and need assistance, we can help determine a solution in your time of hardship, whether it’s temporary or long-term circumstances.



Talking to us is the best thing you can do for your situation. We are here to help.


COVID-19 Pandemic Loan Notice

On an active payment relief plan, you will not be able to refinance your loan. If you’re still current on payments and want to see if you qualify for a refinance, please contact one of our mortgage loan officers.


There are a number of options available to help homeowners who are struggling with mortgage payments. Don’t wait; call today. A conversation with your Trustmark loss mitigation preservation specialist - your dedicated point of contact through the process - will help you understand if you qualify for one of the loss approaches.


Contact us at 866.229.1656 or 888.309.9887

Monday – Friday, 8:00 a.m. - 5:00 p.m., CST

You can also send a secure email message to us at, and a loan counselor will contact you. Please include your loan number in the message.


Understand the Process


Call us at 866.229.1656 for a confidential review of your options. We’ll talk with you about your situation, review your income, and discuss possible options, so you can either stay in your home or leave your home and avoid foreclosure. Loss mitigation services are free. Be wary of any party that charges a fee for this service.


Step 1: Get started with your specialist


When you call us, we’ll:

  • discuss in detail the reasons for your hardship or default.
  • ask you the amount of your annual gross income.
  • ask you whether the property is occupied or vacant.
  • discuss your options.


Step 2: Gather and review your documents


You will receive a documentation package from your Trustmark loss mitigation preservation specialist. Provide all of the requested information in your package. We cannot begin processing your request until we have all the required documentation signed by you and your co-signer. And, keep an eye on deadlines - missing them can result in delays, resubmitting documents, or even foreclosure.


Step 3: Submit your information


Before sending in your documents, remember to:

  • Complete all spaces. Write “n/a” if something does not apply to you.
  • Write your loan number on every page. If pages separate, this helps organize them.
  • Return every page we send to you. Don’t leave anything out, even blank forms.
  • Check signatures. Make sure each borrower has signed and dated all forms where indicated.
  • Keep your original documents. We only need copies.
  • Submit everything at once. Sending documents individually can slow down the process.


Mail your completed package to:


Trustmark National Bank
Attn: Mortgage Loan Servicing
P.O. Box 522
Jackson, MS 39205-0522


Step 4: Discuss next steps with your Trustmark loss mitigation specialist


We’ll review your request as quickly as possible; it may take up to 30 days to process your application. If you have questions or want updates during the review period, call your Trustmark loss mitigation preservation specialist. As soon as the review is completed, your Trustmark loss mitigation preservation specialist will let you know your options.


You can call us at 866.229.1656 or download our Mortgage Assistance Package by clicking one of the appropriate “Download” buttons below. Be sure to review the cover page that includes instructions on how to complete the borrower assistance package, the documents you will need to provide, and the mailing address or fax number to which you will send your completed package.




If preserving your home is your goal or perhaps your circumstance is temporary, your mortgage payment assistance options may include:


Repayment Plan


If you have experienced a short-term financial difficulty and are now in an improved financial situation, a repayment plan may be a good option for you. A repayment plan may allow you to make regularly scheduled payments plus an additional portion of the past due payments to bring your loan current. This option may affect your credit.




This option temporarily suspends or reduces your regular mortgage payment allowing you time to recover from a short-term financial problem. Once your financial condition improves, we can discuss options to bring your loan current. Most often, this option is used during temporary hardship, such as unemployment. This option may affect your credit; however, the impact may be less than a series of late payments.


Mortgage Loan Modification


If you can’t afford your current mortgage due to a financial hardship, and you want to stay in your home, we may be able to change certain terms of the loan — such as the interest rate, term or the time allowed for repayment — to make your payments more affordable. Any change to the original terms is called a loan modification. There are multiple loan modification programs available that offer different options for borrowers in different situations and are meant to help people keep their homes when facing a significant hardship. We’ll work with you to determine whether a loan modification or another option may work for you.




This option allows you to pay all past due amounts in a single lump-sum payment and bring your mortgage current immediately. The reinstatement amount is the total amount of past due payments that may include late fees and attorney costs.


If you aren’t interested in maintaining ownership of the property and need debt relief, your options may include:


Temporary Forbearance While Selling Your Home with Listing Agreement


This option allows you to make reduced payments or no payments for a specific period of time. During this time, your mortgage will become increasingly delinquent.


Pre-Foreclosure Sale (Short Sale)


If you can no longer afford to keep your home, a short sale may be an option to avoid foreclosure. This allows you to sell your home for less than the outstanding balance of your loan and may (not always) satisfy your debt.


Deed-in-Lieu of Foreclosure


With a deed in lieu of foreclosure, you transfer ownership of your home to Trustmark voluntarily, instead of through foreclosure.


To Request Payment Assistance


If you would like to request payment assistance, please complete the Mortgage Payment Assistance Form for your type of loan (see links above), which will help us determine the best option available for your situation. Once you have completed the form, submit it to us in one of the following ways, and a Trustmark representative will contact you within approximately three to five days:


by mail at

Trustmark National Bank
Attn: Mortgage Loan Servicing
P.O. Box 522
Jackson, MS 39205-0522


by Fax at 601.208.2633 or 601.949.4411


If you have concerns about the evaluation of your foreclosure alternative options, contact our Escalation Case Unit at 601.208.8533. Any concerns will be reviewed by our Specialist who will acknowledge your inquiry in writing via email, fax or mail within 72 hours. We will make every attempt to address your questions and/or concerns within 15 days from the date of receipt.


Additional Resources


For help exploring options, The Department of Housing and Urban Development provides contact information for housing counselors at ( or by calling 800.569.4287.


In addition, this information can be found by accessing the Consumer Financial Protection Bureau. NeighborWorks® ( provides foreclosure solutions, both online or at 888.995.4673 for more information.


Additionally, Know Your Options ( is another source of information.


Help for Homeowners


If your ability to pay your mortgage is impacted, and your loan is owned by Fannie Mae or Freddie Mac, you may be eligible to delay making your monthly mortgage payments for a temporary period, or you may be eligible for other mortgage workout options. To determine if your loan is owned by Fannie Mae or Freddie Mac, use the following "loan lookup" tools:

Fannie Mae |

Freddie Mac |


HUD Counseling


Get free counseling from the U.S. Department of Housing and Urban Development at


Note: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Debt relief options may negatively affect your credit.