Financial trouble? We are here to help.

We understand the many unexpected challenges that homeowners may face over the life of a home loan. If you are worried about making your home loan payment, the best thing you can do is reach out to us as soon as possible. It can be a costly mistake to wait. Every month you miss a payment, fewer options are available to help and more fees are assessed to the mortgage.

Step 1: Call VMLS at 844-865-7378, M-TH 8 a.m. to 5 p.m. CST, Fridays to 4p.m. CST.

To read more about our Traditional Loss Mitigation programs, click here.

Fast Link: Loss Mitigation Package

Additional Loss Mitigation Resources

Our THDA HUD Counselors stay up-to-date on various payment assistance programs throughout the state of Tennessee. For guidance on additional resources, please call our THDA HUD Counselor hotline 888-HUD-THDA (888-483-8432) or email

FHA Partial Claim Payoff Information

In February 2022, FHA launched a new portal for borrowers with FHA Partial Claims. The SMART Integrated Portal allows borrowers with FHA Partial Claims to have access to view their loan and request a payoff.

New users are required to create an account by following the instructions on the SIP Support Center web page. To complete the account registration process, new users must complete the Multi-Factor Authentication (MFA) process that verifies their account by sending a 6-digit code via text or email.

If assistance is required after an account is created, users may view training videos and user guides after logging on to SIP. Users that are unable to create an account should contact Tech Support using the online chat on the right side of the SIP Support Center web page, which is available Monday through Friday from 8:00 AM to 5:00 PM Central Time.