We're Here to Help.
River Flow Funding works directly with homeowners — not against them — to find real, workable solutions that protect your home and your future.
What River Flow Funding Does
Loan Ownership
River Flow Funding may now own your mortgage loan. We are your new lender of record, which means we have flexibility that larger institutions often do not.
Loss Mitigation
We work one-on-one with homeowners to evaluate loan modification, repayment plans, forbearance, short sales, deeds-in-lieu, and other alternatives to foreclosure.
Borrower Consulting
Our FDCPA-certified representatives offer nationwide consulting services to help you understand your rights, prepare documentation, and navigate the loss mitigation process confidently.
How the Process Works
From your first contact to a final resolution, here's what to expect when you work with River Flow Funding.
Contact & Initial Review
Reach out by phone, email, or through our online intake form. We'll collect basic information about your loan and your situation.
Hardship & Financial Assessment
We review your income, expenses, and hardship circumstances to determine which loss mitigation options may be available to you.
Option Presentation
We present every option in plain language — no jargon — so you can make an informed decision about the path forward.
Resolution & Follow-Through
Once you select an option, we guide you through the documentation and ensure the agreement is executed correctly.
Who services my loan?
Depending on your loan, your servicer may be FCI Lender Services or Madison Management Services. Your servicer handles monthly statements, payment histories, and day-to-day account questions.
Servicer Contact Information →Don't Wait — Start the Conversation Today
Every day matters when your mortgage is in default. The sooner you reach out, the more options remain available to you.
Common Questions
Answers to the questions homeowners ask most often.
River Flow Funding may now be the holder of your mortgage loan. If you have received written communication from us, we are now the servicer or holder of your debt and are reaching out to discuss your options.
Loss mitigation refers to any program or process that allows a homeowner to avoid foreclosure. Options can include loan modifications, repayment plans, forbearance agreements, short sales, and deeds-in-lieu of foreclosure. The right option depends on your individual financial situation.
There is no fee to submit your borrower intake form or to speak with one of our representatives about your loss mitigation options. If consulting services involve a fee, that will be disclosed clearly before you agree to anything.