Borrower Consulting Services

Whether or not River Flow Funding holds your loan, our nationwide consulting team can help you navigate the process and understand your rights.

Expert Guidance for Homeowners in Default

Navigating a mortgage default is stressful and confusing. Servicers use industry jargon, processes move on tight deadlines, and the paperwork requirements can feel overwhelming. One missed document or a miscommunication can cost you an approval.

River Flow Funding's consulting team consists of FDCPA-certified representatives who have walked hundreds of homeowners through the loss mitigation process. We work with you one-on-one to build your file, communicate with servicers on your behalf, and ensure nothing falls through the cracks.

Our consulting services are available to borrowers nationwide, regardless of who holds or services their loan.

What Our Consultants Can Do For You

Practical, hands-on support at every stage of the loss mitigation process.

Know Your Rights

We explain your full rights under the FDCPA, the FCRA, and any applicable state protections in plain language — no legal jargon.

Document Preparation

We help you gather, organize, and prepare every document required for a loss mitigation application — pay stubs, hardship letters, bank statements, tax returns, and more.

Servicer Communication

We communicate with your servicer or lender on your behalf, follow up on pending applications, and escalate when needed.

Option Analysis

We analyze your financial situation and present a clear breakdown of every option available to you — along with the pros, cons, and long-term impact of each.

HUD Counselor Referral

If your situation would be better served by a HUD-approved nonprofit counseling agency, we will refer you to the appropriate resource at no cost.

Post-Resolution Support

After a resolution is reached, we help you understand the terms of your agreement and what steps to take to maintain compliance going forward.

Consulting Service Tiers

Choose the level of support that fits your needs and situation.

Initial Review

Understand your situation and options

  • One 45-minute consultation call
  • Review of loan and servicer documents
  • Plain-language explanation of your options
  • Written summary of findings
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Full Application Support

End-to-end help through the loss mitigation process

  • Everything in Initial Review
  • Document gathering and organization
  • Hardship letter drafting assistance
  • Servicer communication and follow-up
  • Application submission support
  • Ongoing status updates
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Appeals & Escalation

Denied or stalled? We fight for a second look.

  • Review of denial letter and stated reasons
  • Appeal letter preparation
  • Escalation to servicer management
  • Documentation of FDCPA compliance issues
  • Regulatory complaint guidance if warranted
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Important: Fees for consulting services, if applicable, will be disclosed clearly in writing before any agreement is signed. There is no fee to submit the borrower intake form or for the initial consultation call.

Who We Help

Our consulting services are appropriate for homeowners who:

  • • Have received a notice of default or are behind on mortgage payments
  • • Have been denied a loan modification and want to understand their appeal options
  • • Are facing foreclosure and want to understand whether a short sale or deed-in-lieu is appropriate
  • • Are overwhelmed by the paperwork and communication requirements of the loss mitigation process
  • • Believe their rights under the FDCPA or other consumer protection laws may have been violated
Not sure if we can help? Contact us anyway. If your situation is better handled by a HUD-approved nonprofit counseling agency or a licensed attorney, we will tell you — and point you toward the right resource at no cost.

Let's Talk About Your Situation

Start with our borrower intake form or call us directly. The first conversation is always free.

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