Loss Mitigation Application (Uniform Borrower Assistance Form)
The standardized application form (Form 710) used to apply for mortgage assistance — the gateway document for all loss mitigation options.
The Loss Mitigation Application (officially the Uniform Borrower Assistance Form, or Form 710 for Fannie Mae/Freddie Mac loans) is the standardized application form used to request mortgage assistance. It is the primary document that triggers the servicer's review. The form collects: borrower information (name, address, contact), property information (owner-occupied, investment, vacant), loan information, employment and income details, expenses, assets, the nature of the hardship, and the type of assistance requested (modification, forbearance, short sale, deed-in-lieu). The form exists in standardized versions: Fannie Mae Form 710, Freddie Mac Form 710, FHA HUD-90045 (for FHA loans), and VA-specific versions. While the forms differ slightly, the core information is the same. The application must be accompanied by supporting documentation (pay stubs, bank statements, tax returns) to be complete.
Purpose
- 1Provide a standardized format for requesting mortgage assistance from any servicer
- 2Collect all borrower financial information needed for a loss mitigation evaluation
- 3Trigger the servicer's obligation to review under CFPB Regulation X
Who Prepares It
The homeowner completes the form. A HUD-certified housing counselor can assist (free of charge). The form must be accurate and complete — discrepancies with supporting documents will cause delays or denial.
When It Is Used
Submitted as the first step in seeking any loss mitigation assistance. Must be submitted with all required supporting documents.
Legal Effect
The completed and signed form, along with all supporting documentation, constitutes the application. The form is a request for assistance, not a guarantee of approval. However, it triggers the servicer's regulatory obligations to review and respond. The homeowner certifies under penalty of perjury that the information is true and correct.
Common Mistakes
Homeowner Rights
Related Mortgage Documents
Other Loan Modification & Loss Mitigation Documents
Loan Modification Agreement
The binding contract that permanently changes the terms of your mortgage — lower rate, extended term, principal forbearance, or other relief.
Borrower Assistance Package
The complete set of documents required by the servicer for a loss mitigation review — also called a Complete Loss Mitigation Application (CLMA).
Forbearance Agreement
A temporary agreement to reduce or suspend mortgage payments — distinct from a permanent modification and with important conditions at the end.
Repayment Plan
An agreement to catch up on missed payments by paying extra each month — spreading the arrears over time without changing the underlying loan.
Partial Claim Agreement (FHA)
The FHA loss mitigation option that uses HUD funds to pay arrears as a junior lien — available only for FHA-insured loans.
Short Sale Package
The complete application to sell the home for less than the mortgage balance — the alternative to foreclosure that requires lender approval.
Deed in Lieu of Foreclosure Package
The application to voluntarily transfer the property title to the lender — avoiding a formal foreclosure process.
Foreclosure Mediation Packet
The comprehensive document package submitted for mandatory or voluntary foreclosure mediation — preparing this well can save your home.
Frequently Asked Questions
Where do I get the Uniform Borrower Assistance Form?▼
You can download it from your servicer's website (most major servicers have a 'Help for Homeowners' or 'Loss Mitigation' section), from Fannie Mae or Freddie Mac's websites, or from a HUD-certified housing counseling agency. The form is free. Never pay for a form you can download for free — this is a common foreclosure rescue scam.
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