How do I know if my servicer or if the Owner/Investor/Mortgagee offers Loss Mitigation Programs?

The Servicer should be able to tell you if it offers, or if the Owner allows, a Loss Mitigation option. 

For many loans, you will not be able to look up or review the eligibility criteria for your Servicer’s Loss Mitigation programs. 

However, some loans that are either insured by a federal government agency such as the FHA, or owned by Fannie Mae and Freddie Mac, have Loss Mitigation rules that are published on the internet. 

Anyone can look at those rules and look at their own situation to figure out whether they ought to qualify for one of the programs authorized by these entities.