Avoid Foreclosure

We understand that our Members may occasionally experience challenges that make it difficult to meet their financial obligations. If you're facing difficulties making your payments, the best thing to do is call us as soon as possible!

Maybe it's not just the mortgage you're having trouble paying, but also the car payment or credit card bills. If you're facing a tough situation, the best thing to do is call us!

With You All the Way™

We're here to help you find the best options. Our goal is your goal - to keep you in your home. We have options that may be available to help you during these difficult times.

  • Repayment Plan - Catch up with missed mortgage payments by creating a schedule for repaying the past-due amounts.
  • Loan Modification - Changing the terms of the mortgage to make payments more affordable.
  • Forbearance - Allowing reduced or suspended payments for a short period of time, after which another option will be agreed upon to bring the loan current.
Take Action. Be Prepared.

You'll need these financial documents available when you meet with us.

  • Most recent pay stubs
  • Most recent W-2 tax statement
  • Most recent bank statement
  • Letter describing your financial difficulty and its impact on your financial situation
  • Written description of your income and expenses
  • Financial statement
Impact of Past Due or Missed Payments

The sooner you call us the more options you'll have to avoid the start of a foreclosure action on your property. A formal foreclosure will damage your credit rating, resulting in a negative impact on your ability to borrow money in the future.

Who to Call

Mortgage with Orange County's Credit Union

(877) 883-1063

HELOC Loans

(888) 354-6228

Mortgage with another lender

Contact lender directly

For counseling - HUD (housing and urban development) certified housing counselor:

(800) 569-4287

Keep Your Home California www.keepyourhomecalifornia.org:

(888) 954-5337

With You All the Way™

We understand that sometimes life catches us off guard. We want to help you. We have options that may be available to help you during these difficult times.

  • Add payments to the end of the loan
  • Combine debts into one payment
  • Temporarily reduce payments
Take Action. Be Prepared.

You'll need these financial documents available when you meet with us.

  • Most recent pay stubs
  • Most recent W-2 tax statement
  • Most recent bank statement
  • Letter describing your financial difficulty and its impact on your financial situation
  • Written description of your income and expenses
  • Financial statement
Impact of Past Due or Missed Payments

Call us before you start missing payments. The sooner you call us the more options you'll have to avoid damaging your credit rating, resulting in a negative impact on your ability to borrow money in the future.

Who to Call

Vehicle & personal loans with Orange County's Credit Union

(888) 354-6228 ext. 7821

Vehicle & personal loans with another lender

Contact lender directly