The ongoing credit crisis combined with intense political pressure has made many major banks very amenable to easing the loan terms for most borrowers displaying repayment stress. While federal-backed programs for mortgages have been getting most of the press, banks will modify credit card, home equity and even auto loan terms, too. Many banks may be quick to reduce the cost of your loans, but they certainly don’t advertise this! The trick, is finding the right person to talk to in these behemoth institutions.
To help you make your loans more affordable, we tracked down the direct contact information for the loan modification departments at major U.S. banks:
| Bank | Program Name | Phone Number |
| Bank of America Financial Difficulty Relief | 800-846-2222 | |
| Chase Home Ownership Center | 866-550-5705 | |
| Citibank’s Office of Homeownership Preservation | 866-915-9417 | |
| Citifinancial Hardship Assistance | 877-915-9417 | |
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National Homeownership Retention Program for Countrywide Customers |
800-669-6607 |
| Fifth Third Bank Financial Hardship Assistance | 866-601-6391 | |
| HSBC Payment Assistance Program | 800-338-6441 | |
| Regions Bank Loan Payment Assistance | 866-298-1113 | |
| SunTrust Home Retention Team | 888-886-0696 | |
| U.S. Bank Lending Assistance Program | 800-872-2657 | |
| Wachovia Loan Modification Programs | 800-707-4607 | |
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Wells Fargo Home Mortgage Alternative Payment Options | 800-678-7986 |


