Equity Loan/Line Hardship Assistance Programs

We understand how difficult it can be when circumstances limit your ability to keep up with payments, and SunTrust Bank can help by offering several options for you to stay in your home. If you cannot stay in your home, options may also be available to help you liquidate your property to avoid foreclosure. We will consider you for all available options.

Option Modification Payment Deferral (Equity Line) Loan Extension (Equity Loan) Short Sale Deed In Lieu of Foreclosure
How Does the Option Work? Modify the terms of your loan to make it more affordable Defer your payment for a short period of time. If you are unemployed, HOPE NOW provides valuable resources: to learn more, CLICK HERE Defer your payment for a short period of time. If you are unemployed, HOPE NOW provides valuable resources: to learn more, CLICK HERE Allows you to Sell your home and pay off a portion of your balance when you owe more on the home than it is worth. Transfer the ownership of your property to SunTrust
Key Benefits Modifies your loan so that your payments or terms are more manageable. Allows time for a temporary financial hardship to be resolved. Allows time for a temporary financial hardship to be resolved. Allows you to transition out of your home without going through foreclosure. Allows you to transition out of your home without going through foreclosure. This is useful when there are no other liens on your property.

How to Get Started - Three Easy Steps

1. Document your hardship. Be prepared to share the circumstances that have caused you difficulty in making your monthly payments (i.e. income reduction, divorce, medical issues, etc.).

2. Gather your information. We need a complete understanding of your financial situation to determine the best option for you. Please have copies or supporting documents with the following information available:

  • Most recent 2 pay stubs along with the current year's W2 (if applicable) or last 2 years' tax returns if Self Employed or rental income is received.
  • Additional income (unemployment income, rental income, etc.)
  • First mortgage payment information and account numbers (most recent statement)

3. Call us today. Our representatives are ready to help you personally, and can be reached at 1-866-519-3479 Monday-Friday 8 a.m. to 6 p.m. EST. Please have your 17 digit SunTrust Bank real estate secured loan number ready. Or submit your information online. Click here to download required forms, which you can submit through our secure mail link. You will receive a call from us once your information has been reviewed.

After you have completed these steps, if it has not been already, your account will be assigned to a Consumer Home Loan Specialist (CHLS) who will contact you directly. The role of the CHLS is to be your single point of contact throughout the qualification process.

If you are facing financial challenges, we will do everything we can to help you stay in your home.

Federal Law permits you to contact us in writing regarding your account in order to request certain types of actions and/or information (with exceptions). These requests include (1) a Qualified Written Request, (2) Notice of Error, and (3) a Request for Information. If you submit a QWR or NOE, please include your name, loan account number and the reason you believe the account is in error. If you submit a RFI, please include your name, loan account number and the specific information requested. Please send all QUALIFIED WRITTEN REQUESTS/NOTICE OF ERROR/REQUEST FOR INFORMATION to SunTrust Bank, TN-Nashville-8105, PO BOX 305050, Nashville, TN 37230-5050

Additional Resources and Forms

There are a variety of tools and resources available to assist you with your financial situation. Click here to learn more.

At SunTrust Bank we are committed to protecting your privacy. Click here to learn more about our Privacy and Security Policy.

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2015 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.