Independent Foreclosure Review.  
ATTENTION: Federal banking regulators have directed the Paying Agent to complete an additional mailing of replacement checks to all borrowers who have not yet cashed their checks. These replacement checks are expected to be mailed by the end of February 2015 for borrowers of all servicers except GMAC Mortgage and EverBank/EverHome. Replacement checks for GMAC Mortgage borrowers are expected to mail by May 2015. Borrowers who had a mortgage loan with EverBank/EverHome should contact the Paying Agent, Epiq Systems at 1-877-819-9754.

For a limited time, borrowers who have not yet cashed their checks will also continue to be able to request a reissue of their payment. If you require a check to be reissued, a change of payee, or separate checks for each payee, you must contact the Paying Agent at 1-888-952-9105. Borrowers who had a mortgage loan with EverBank/EverHome should contact the Paying Agent, Epiq Systems at 1-877-819-9754.

Please refer to Frequently Asked Questions for more information.

Participating servicers under the Agreement, including their current and former affiliates, are:

  • America’s Servicing Company
  • Aurora Loan Services
  • BAC Home Loans Servicing
  • Bank of America
  • Beneficial
  • Chase
  • Citibank
  • CitiFinancial
  • CitiMortgage
  • Countrywide
  • EMC Mortgage Corporation
  • EverBank/EverHome Mortgage Company
  • GMAC Mortgage
  • Goldman Sachs
  • HFC
  • HSBC
  • Litton Loan Servicing LP
  • MetLife Bank
  • Morgan Stanley
  • National City Mortgage
  • PNC Mortgage
  • Saxon Mortgage
  • Sovereign Bank (now known as Santander Bank)
  • SunTrust Mortgage
  • U.S. Bank
  • Wachovia Mortgage
  • Washington Mutual (WaMu)
  • Wells Fargo Bank, N.A.
  • Wilshire Credit Corporation

In January 2013, an Agreement between 13 mortgage servicers and federal banking regulators was reached that ended the Independent Foreclosure Review program for those servicers. Borrowers covered by the Agreement include 4.2 million borrowers whose homes were in any stage of the foreclosure process in 2009 or 2010 and whose mortgages were serviced by one of the companies listed above. Payments to these borrowers were sent beginning in April 2013 and all payments have now been sent.

In the summer of 2013, GMAC Mortgage reached an agreement with the federal banking regulators that ended the Independent Foreclosure Review. Payments to all GMAC Mortgage borrowers have now been sent.

In the summer of 2013, EverBank also reached an agreement with the federal banking regulators that ended the Independent Foreclosure Review. Epiq Systems is the Paying Agent for the EverBank agreement. Payments to all EverBank borrowers have now been sent. For questions related to the EverBank agreement, please visit www.EverBankIndependentForeclosureReview.com. If you have a specific question, you can contact Epiq Systems at 1-877-819-9754, or send an email to: info@EverBankIndependentForeclosureReview.com, or send a letter to: EverBank IFR Payment Agreement, PO Box 2730, Portland, OR 97208-2730.

Borrowers covered by the Agreement are expected to receive compensation ranging from hundreds of dollars up to $125,000. Borrowers are not required to take any additional steps to receive a payment.

Borrowers receiving a payment as a result of the Agreement will not be required to sign a waiver of any legal claims they may have against their servicer as a condition for receiving payment.


For questions, call 1-888-952-9105.
PLEASE NOTE – NEW HOURS OF OPERATION EFFECTIVE AUGUST 4, 2014
Monday through Friday, 9 am - 8 pm ET
Saturday, 11 am - 4 pm ET

The Independent Foreclosure Review Payment Agreement is monitored by federal banking regulators,
the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System,
to ensure a fair and impartial process.

Assistance is available in over 200 languages, including: Chinese, Korean, Vietnamese, Tagalog, Hmong and Russian.

THE INDEPENDENT FORECLOSURE REVIEW IS FREE.
Watch out for scams—there is only one Independent Foreclosure Review.
Beware of anyone who asks you to pay a fee for any foreclosure review service
or to receive a payment under the Agreement.

For additional information, visit the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Prevent Loan Scams, or the Loan Scam Alert websites.