Loan Servicing

Loan Servicing Department

Angel Oak Mortgage Solutions (“us” or “we”) utilizes subservicers that are responsible for servicing mortgage loans, which includes the collection of mortgage payments, disbursement of property taxes and hazard/flood insurance, providing assistance with general customer service questions, requests for financial assistance related to trouble in making mortgage payments, and all other servicing related questions and concerns.

Do you have a question about your existing mortgage loan, or do you need assistance determining who your mortgage servicer is? If so, please contact us at:

Toll Free: (844) 209-7424 // Hours: Monday-Friday, 7am to 4pm EST
Direct: (404) 991-5105 // Hours: Monday-Friday, 7am to 4pm EST
Email: [email protected]

If you know who your loan servicer is, please click here for Select Portfolio Servicing (“SPS”), or if it is Shellpoint Mortgage Servicing, please click here.

California Homeowner Bill of Rights

Know Your Rights:

Are you having a problem making your monthly mortgage payment? If you are having trouble making your monthly mortgage payment, and the Subject Property of your mortgage loan is located in the State of California, you may be entitled to certain protections under the California Homeowner Bill of Rights . The California Homeowner Bill of Rights is a set of laws that provide protections to homeowners who are facing foreclosure. These include:

Guaranteed Single Point of Contact: If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application.
Notification of Foreclosure Prevention Options: Before initiating the foreclosure process, we must discuss your financial situation and explore your options to avoid foreclosure. Your servicer can then start the foreclosure process by recording a notice of default in the county where your home is located, and will then send you a copy within 10 business days. Within 5 days of recording a notice of default, your servicer must generally give you information about options to avoid foreclosure that may be available.
Acknowledgment of application: If you apply for a loan modification, your servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application.
Restrictions on fees: You cannot be charged a fee for applying for a loan modification. You cannot be charged late fees while your servicer is making a decision on your completed loan-modification application, while you are making timely payments under an approved modification, or while a denial is being appealed. Your application is “complete” once you submit all required information within the servicer’s reasonable deadlines.
Restrictions on Dual-Tracking: Your servicer must generally pause the foreclosure process while it is making a decision on your completed loan-modification application and until after it gives you time to appeal a denial. It also cannot foreclose on you while you are complying with the terms of an approved loan modification, forbearance, repayment plan, or other foreclosure-prevention option.
Denial rights: If your servicer denies your loan-modification application, it must state its reasons and identify other possible foreclosure-prevention options in writing. It must also give you a chance to appeal the denial. You may submit a new loan-modification application if you have had a material change in your financial situation since the last application.
Transfer rights: If your servicer approves a loan modification or other foreclosure-prevention alternative and then sells or transfers your loan to another servicer, the new servicer must honor that foreclosure-prevention alternative.
Verification of documents: Your servicer must review certain foreclosure documents to make sure they are accurate, complete, and supported by reliable evidence about your loan, your loan’s status, and the servicer’s right to foreclose.
Tenant rights: Purchasers of foreclosed homes must give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease that was entered into before the foreclosure sale, the new owner must honor the lease unless certain exceptions apply.

The Homeowner Bill of Rights generally applies to first-lien mortgages on owner-occupied homes that have no more than four units, and the protections above generally apply if your servicer foreclosed on more than 175 homes in the last year.

If you are having trouble making your mortgage payments, you may contact your servicer to ask for help and keep following up with your servicer about any foreclosure-prevention application you submit.

For more information about the foreclosure process, scams to watch out for, and resources that may help you, see Loan Modification Fraud and Foreclosure Rescue Scams.

If your servicer has violated the Homeowner Bill of Rights, you may want to consult a lawyer. Go to our Attorneys/Lawyers page for information on how to find a lawyer or a legal aid organization. You can also report violations to the Attorney General’s Office. The Office cannot give legal advice, but filing a consumer complaint is helpful because it alerts the Office to consumer issues and may help with the Office’s investigations. You can also report violations to the Department of Business Oversight and to the Consumer Financial Protection Bureau.