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If you're struggling with your mortgage payments or facing foreclosure, you may feel overwhelmed and frustrated. We understand the challenges homeowners are facing these days, and we may be able to help you find solutions.

There are a variety of programs available to help you resolve your delinquency and keep your home. Depending on the circumstances, staying in your home may not be possible. However, there are better options than foreclosure.


Refinance: Receive a new loan with lower interest rate or other favorable terms, making your payments more affordable.

Reinstatement: Allows you to pay the total amount you owe in a lump sum payment and by a specific date, allowing you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future. This may follow a forbearance plan as described below.

Modification: Involves permanently modifying your mortgage so that your payments or terms are more manageable as a permanent solution to a long-term or permanent hardship.

Forbearance Plan: A temporary reduction or suspension of payments, giving you time to improve your financial situation and get back on your feet.

Repayment Plan: A written arrangement to repay the past due amount while still making a regularly scheduled payment, allowing you time to catch up on late payments without having to come up with a lump sum.

Short Sale: Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.

Deed in Lieu of Foreclosure: Allows you to transition out of your home without going through foreclosure by transferring the ownership of your property to us. This is useful when there are no other liens on your property.

If you're having trouble meeting your mortgage loan obligations, Sutton Bank wants to help. Take action, control of your situation, and gain peace of mind.

Get Started

Download and print the Borrower Application Package (PDF) payment help solution forms. 

Additional information is available. Fannie Mae has created to help homeowners just like you, so you can get help before it's too late.

For questions concerning the process or completing the paperwork, please call Laura Jones at 800-422-3641.

Completed documents should be mailed to:

Sutton Bank
c/o Laura Jones
863 N. Lexington-Springmill Rd.
Mansfield, OH 44906-1156

Old-fashioned Innovation

Give Us A Call: 800-422-3641