FORT JACKSON, S.C. -- Millions of Americans may be eligible for a free mortgage foreclosure review.

To be eligible, foreclosure victims must have been going through the foreclosure process between Jan. 1, 2009, and Dec. 31, 2010. In addition, the property must have been the primary residence and the mortgage loan was serviced by one of the following financial institutions: America's Servicing Company, Aurora Loan Services, Bank of America, Beneficial, Chase, Citibank, CitiFinancial, Citi Mortgage, Countrywide, EMC, EverBank/Everhome, Freedom Financial, GMAC Mortgage, HFC, HSBC, Indy Mac Mortgage Services, MetLife Bank, National City, PNC Mortgage, Sovereign Bank, SunTrust Mortgage, U.S. Bank, Wachovia, Washington Mutual or Wells Fargo.

The review will determine whether the homeowner suffered financial injury and should receive compensation or other remedies because of errors or other problems during their home foreclosure process.

Examples of financial injury situations:

 The mortgage balance at the time of the foreclosure action was more than actually owed.

 Fees charged or mortgage payments were inaccurately calculated, processed or applied.

 The homeowner was doing everything a modification agreement required but the foreclosure sale still happened.

 The foreclosure action occurred while the homeowner was protected by bankruptcy.

 A foreclosure proceeded on a military member in violation of Servicemembers Civil Relief Act protections. The foreclosure action occurred on a mortgage that was obtained before active duty military service began and while on active duty, or within nine months after the active duty ended and the service member did not waive his or her rights under the Servicemembers Civil Relief Act.

 The homeowner requested assistance/modification, submitted complete documents on time, and was waiting for a decision when the foreclosure sale occurred.

If you believe you are eligible to have your foreclosure papers reviewed, you must submit a Request for Review Form before April 30. Call 1-888-952-9105, Monday through Friday from 8 a.m. to 10 p.m. and Saturday from 8 a.m. to 5 p.m. to obtain the form.

For additional information and answers to basic questions about the review process, visit

Reviews are conducted by independent consultants working under the direction of the federal regulators and may take several months to complete. You can learn more at Or, you can contact Army Community Services, Financial Readiness Program at 751-5256 to talk to a financial counselor.

Page last updated Thu January 19th, 2012 at 07:36