Skip nav to main content.

Avoiding Foreclosure

If you’re struggling to make your mortgage payments to us, let us know as soon as possible so we can help you avoid foreclosure and minimize damage to your credit rating.

We may be able to help resolve your financial strain with one of the following options:

  1. Refinance your mortgage to lower your monthly payments. This could extend the repayment period.
  2. Modify your current mortgage loan to make payments more affordable.
  3. Surrender your deed to us voluntarily.
  4. Sell your home to repay your mortgage loan in full. If your home’s value is less than your outstanding loan balance, we may be willing to accept the amount of your home sale as full payment, which is called a short sale.

Contact us at 800-205-7872 to explore your options. To determine your eligibility, we will need the following documents provided for review:

  • Proof of income such as your two most recent pay stubs, social security statements, or retirement statements
  • Two most recent statements from all bank or credit union accounts
  • Most recent tax return and all supporting documentation
  • Most recent property tax statement
  • Hardship letter explaining why you are unable to make your payments
  • List of your monthly expenses including utilities, debt payments, and other expenses
  • We may ask for additional documentation or information, as needed

Additional resources available to homeowners:


Due to scheduled maintenance, Online Banking will be unavailable 11pm 7/20-3am 7/21. Thank you for your patience.

Translate »