Two kids playing in living room while parents watch

Avoiding Foreclosure

Tips to Avoid Foreclosure  

Are you experiencing difficulties making your payments on your mortgage loan with Self-Help Federal Credit Union?  Let us show you options available to avoid a negative credit report and foreclosure of your home.

1st Step:

Here is a list of documents you will need before you meet with a Self-Help Federal Credit Union representative:
  • A recent pay stub and W-2.  If you are self employed, your most recent tax return will be necessary.
  • Your most recent mortgage statement or statements for your home.
  • Provide a list of your current monthly obligations, including child support and alimony.

2nd Step:

Contact Self-Help Federal Credit Union at 209-235-1100 or 800-731-4477 and schedule an appointment so we  can assist you with your situation.

3rd Step:

We will discuss options that may be available to your unique situation. 
Options may include:
  • Refinancing your loan.
  • Modification of the terms of your existing loan.
  • Consolidation of debts to reduce monthly payments.
  • HUD approved counseling or a consumer credit counseling agency.
  • Short Sale consideration or selling your home for less than the loan amount.
If you would like to speak to an approved HUD counseling service representative, please call (800) 569-4287.