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Mortgage Hardship Assistance

Mortgage Payment Hardship

If you’ve experienced a financial hardship and can’t pay your mortgage payment in full or on time, you can work with our knowledgeable staff to find the right solution. As part of our Awesome Cause, we’re here for you when times are tough. Explore the frequently asked questions and resources below.

What options are available to me?

The right solution will depend on the specifics of your situation, but below are some general options that may be available to qualifying members:

  • Forbearance Plan
    For temporary hardships we may be able to suspend or reduce your regular payment for a specified amount of time. At the end of the forbearance plan you will be required to make arrangements to repay the principal and interest not paid during the forbearance term, and interest will continue to accrue on the mortgage loan during this time.
  • Modification
    For long-term or permanent hardships we may evaluate you for a modification of the original loan terms.
  • Deed-In-Lieu
    If you believe your home is no longer affordable and you have exhausted all other workout alternatives, you may request to be evaluated for a “Deed-In-Lieu of Foreclosure”, wherein the collateral property is surrendered without entering into the foreclosure process. This process typically involves lower fees and may have a smaller negative impact to your credit score compared to a foreclosure.

Please contact us if you would like more information on these programs, how to qualify, and what to consider before entering into a plan or agreement.

How can I get help?

The first step is to contact us to discuss your situation. You can submit a request online, or call us at (800) 844-0008, option 2.

Online Request Form

For additional foreclosure prevention resources, please visit:

Consumer Financial Protection Bureau US Department of Housing and Urban Development

Forbes Top 10 Credit Unions in California Award
Desjardins Financial Education Award, 1st place nationwide, adult and youth
US Air Force Distinguished Credit Union of the Year
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