How to Avoid Foreclosure

Since 1951, James B. Nutter & Company has embraced the principles of homeownership and fair lending. We are a family-owned company, and to us a foreclosure is a terrible family tragedy that can have a tremendous emotional and financial impact. We believe that foreclosure is a last resort, to be used only when all other options have been exhausted, and our 65-year track record of low foreclosures attests that philosophy.

Loan Repayment Tools

Many homeowners who are having trouble making their payments are unaware of the many repayment options that are available to them.

We offer offer a variety of loan repayment tools to help homeowners avoid the risks of delinquency, including:

Forbearance
Special Forbearance
Reduced Forbearance
Loan Modification
Partial Claim
Home Affordable Modification Plan (HAMP)
Pre-Foreclosure Sale
Deed in Lieu

Contact Us

At Nutter, we are committed to helping homeowners stay in their homes and one of the most important parts of that commitment is communication. To discuss your specific loan repayment options, please call us at (877) 765-4321 or email us at LossMitigation@jbnutter.com.

To start the process of modifying your loan, or utilizing any of the loan repayment tools described above, please fill out the applicable form(s), and mail to the address below:

Loss Mitigation Cover Letter (PDF)
FHA Loss Mitigation Application (PDF)
Hardship Affidavit (PDF)
Dodd-Frank Certification (PDF)
Occupancy Affidavit (PDF)
FHA Loss Mitigation FAQ’s (PDF)

To start the process of modifying your loan, or utilizing any of the loan repayment tools described above, please fill out the applicable form(s), and mail to the address below:

FHA Short Sale Cover Letter (PDF)
Application To Participate (PDF)
Realtor Authorization (PDF)
FHA Loss Mitigation Application (PDF)
Hardship Affidavit (PDF)
Dodd-Frank Certification (PDF)
Occupancy Affidavit (PDF)

To start the process of modifying your loan, or utilizing any of the loan repayment tools described above, please fill out the applicable form(s), and mail to the address below:

Loss Mitigation Application Form 710 (PDF)
Itemized Expense Form (PDF)
Homeowner Checklist (PDF)
Request for Financial Info (PDF)
Request for Transcript of Tax Return (4506-T) (PDF)

To start the process of modifying your loan, or utilizing any of the loan repayment tools described above, please fill out the applicable form(s), and mail to the address below:

VA Application (PDF)
Loss Mitigation Cover Letter (PDF)
Itemized Expense Form (PDF)

To start the process of modifying your loan, or utilizing any of the loan repayment tools described above, please fill out the applicable form(s), and mail to the address below:

Reverse Mortgage Loss Mitigation (PDF)

ATTN: Loss Mitigation
James B. Nutter & Company
4153 Broadway, Kansas City, MO 64111

Request Loan Modification

For many homeowners, a HUD-certified housing counselor can provide important information and guidance on the entire
mortgage process. To contact a HUD housing counselor in your area, please call toll-free (800) 569-4287.