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Home Retention – Process
Step 1: Submit required documents
In order to be considered for a home retention program, you must submit a complete application to SPS. We will use these documents to determine your eligibility for our home retention programs. It is important that you submit the documents to us as soon as possible because we cannot determine eligibility until we receive all required documents.
What documents to submit
Submit the following documents to be considered for a home retention program. SPS will review your account for all available options for which your account is eligible. SPS requires a complete application to receive this review.
  • Proof of Income
  • * Note that the proof of income is dependent upon the type of income to be considered. Please review the documentation requirements carefully.
View required documents based on type of income
Request for Mortgage Assistance*

To determine the documents required to start the application process, please enter the SPS account number for which you are requesting assistance

If you need additional assistance, you may contact one of our experienced Loan Servicing Representatives at (888) 818-6032.

4506-T form*
Completed and signed IRS 4506T-EZ Request for Transcript of Tax Return form, which is used to request that a copy of your tax return is sent directly to you or a third party by the IRS. Customers must complete and sign the 4506T-EZ form and send it to SPS. Forms are available through the IRS website (www.irs.gov). There is no fee for obtaining a transcript of tax return.
IRS 4506T-EZ Request for Transcript of Tax Return
You can find important information on how to fill out the IRS 4506T-EZ form in the IRS 4506T-EZ Instructions document.
For information in Spanish you can access the 4506T-EZ Guidance Spanish Version.
If you are exempt from filing, please complete and sign the IRS 4506-T form, checking box #7.
To see an example of this form, please click here.
IRS 4506-T
You can find important information on how to fill out the IRS 4506-T form in the IRS 4506-T Instructions document.
For information in Spanish you can access the 4506-T Guidance Spanish Version.
If you would like SPS to use income from a non-borrower residing in the property when determining what options are available for your account, please have that individual complete and return the Non-Borrower Credit Check Authorization Form.
Please note: if income is not considered in the evaluation for your account, you are not required to provide this form.
*These forms must be completed and signed by all borrowers on the loan.To determine which form is required, refer to the "Request for Mortgage Assistance" section above.
Providing a copy of the most recent tax return with your application may decrease the time necessary to complete an evaluation of your application.
How to submit documents
For your convenience, we provide multiple methods for you to submit documents. Regardless of the method you choose, please include your account number on all documents.
You may follow the Upload Documents link to upload files directly to our website.
You may fax the documents to (801) 293-3936 or toll free (866) 867-3019
  • Mail your documents to:
  • Select Portfolio Servicing, Inc.
  • PO Box 65250
  • Salt Lake City, UT 84165-0250
  • Overnight mailing address:
  • Select Portfolio Servicing, Inc.
  • 3217 S. Decker Lake Dr.
  • Salt Lake City, UT 84119
Foreclosure sale scheduled
* Note: If there is a foreclosure sale scheduled for your home in the next 30 days, you are required to send all documents to SPS via overnight mail with delivery confirmation. If you are unsure if there is a sale scheduled for your home in the next 30 days, please contact us immediately at (888) 818-6032 for more information.
Step 2: Speak to a Loan Servicing Representative
The Loan Servicing Representative will be able to answer any questions you have about our home retention options and the required documents. They will also be able to discuss with you any missing or incomplete documents that are required before we can determine you eligibility for any of the programs. You may contact one of our experienced Loan Servicing Representatives at (888) 818-6032.
Step 3: Determine Eligibility
Once we have received a complete application, we will review your account to determine eligibility for all available home retention options. It may take up to 30 days to reach a decision. Once a decision has been reached, SPS will send you a decision letter explaining the options to which you are eligible for and available to you.
Step 4: Complete the Process
If you are offered a repayment plan, the decision letter will include the terms of the plan, including the length and the payment amount. The letter will also explain the steps you need to take to enter into the plan, which may include signing and returning documents or making the first payment.
If you are offered a modification, the decision letter will include a trial modification packet. All modifications require a trial period (usually 3 months), during which you will make the proposed modification payment to ensure the payment is affordable. The packet will include the terms of the trial modification as well as instructions for submitting your trial modification payments. It is important that you make all trial modification payments on time.
Once you successfully complete the trial period, the account is reviewed for a final modification. At that time, we will mail the final modification documents to you for signature. Once we receive your signed modification agreement, we will permanently change the terms of your account.