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Avoid Foreclosure

Having trouble making your mortgage payments? At First California Federal Credit Union we understand that our members face financial hardships at times, and we want to help. If you feel that you may be at risk of losing your home, please contact us to discuss other options that may be available to you at 559-226-8282 or 877-542-0003

559-226-8282 or 877-542-0003

Some of these options are:

  • Repayment Plan – a payment schedule which will help you to repay the past-due amount and bring you current.
  • Forbearance – the lender may reduce or suspend your mortgage payments for a period of time.
  • Loan Modification – the loan is modified to make the payments more affordable.
  • Selling your home – the proceeds from the sale of your home may pay off your current mortgage debt.

In order for us to review your financial situation and recommend options that might help you, we will need the following:

  1. a completed Mortgage Modification Application
  2. proof of income (paycheck stubs, signed tax returns)
  3. your most recent account statements for checking, savings, 401(k) and all other accounts

The Department of Housing and Urban Development (HUD) offers free or low-cost counseling at
1-800-569-4287 or TTY 800-877-8339.