Foreclosure Prevention

 

If you are a mortgage customer and are having difficulty making your mortgage payment, one of the most important things you can do is be proactive.  The following are some important steps you can take.


Talk to Your Lender

If you are having problems making your current mortgage payment, please contact us as soon as possible.  We may be able to explore assistance options with you depending on your current financial situation.  Please contact us at 1-800-242-2036, Monday-Friday 8:00 a.m.-5:00 p.m. PST


Contact the U.S. Department of Housing and Urban Development (HUD)

HUD offers resources for homeowners who are behind in their mortgage payments.  HUD is a government agency that increases home ownership, supports community development and increases access to affordable housing through community partnerships.  HUD offers free or low-cost counseling throughout the country.  To find the nearest HUD counseling agency near you, please call 1-800-569-4287.


Financial Information and Documents To Have Available

The following is information and documents you may want to have on hand when meeting with your lender or when speaking with a housing counselor.

  • Your loan or account number
  • Current Personal Financial Documents
  • Most recent pay stubs
  • Signed copy of your most recent IRS tax return
  • Benefit statements from Social Security, disability, unemployment, retirement, or public assistance
  • List of your household expenses
  • Listing information (if your home is listed for sale)

Links to Helpful Resources

The following websites offer helpful resources for those who are having trouble making their mortgage payments or are facing foreclosure.

U.S. Department of Housing and Urban Development (HUD)

HUD Housing Counseling Washington State

Washington State Department of Financial Institutions

Assistance from the State of Washington