Mortgage assistance and support for homeowners
Assistance options for mortgage and home equity loans
If you’re having trouble managing your WSECU mortgage or home equity loan payments, please give us a chance to help. We’re committed to working with you to find the best solution. Depending on your eligibility, several options may be available, including:
- Mortgage refinancing that extends your repayment period and/or reduces the interest rate to lower monthly payments.
- A repayment plan to gradually catch up on missed payments.
- A limited-time reduction or pause on your monthly payments with our forbearance program.
- Deferred payments that are paid upon refinancing, home sale or loan maturity.
- A loan modification that may reduce your monthly payment and extend the maturity date of your loan. You may want to consider a mortgage forbearance before taking this step.
- Full mortgage repayment through home sale. If your home's value is less than your loan balance, we may be willing to accept the sale proceeds as full payment. This is known as a “short sale.”
- Voluntary transfer of homeownership to us. This is known as a “mortgage release” or “deed-in-lieu of foreclosure.”
While we are committed to assessing every request for mortgage assistance, options may be restricted due to investor or state requirements.
We’ll work with you to find a solution. If you need assistance with your mortgage or home equity loan, provide a little information about your circumstances by completing our 在线表单 或者通过呼叫 800.893.7824 x67001.
额外的资源
If you would like counseling or assistance, you can find a list of counselors in your area by:
- 参观 US Department of Housing and Urban Development 网站或电话 800.569.4287.
- 参观 Washington 首页ownership Resource Center 网站或电话 877.894.4663.
Mortgage assistance programs may also be offered through state housing agencies at:
Washington State Housing Finance Commission
Washington State Housing Finance Commission
1000 Second Ave, Suite 2700
西雅图,华盛顿州98104
206.464.7139 or 800.767.4663
网站: www.wshfc.org
Idaho Housing and Finance Association
Idaho Housing and Finance Association
565 W. 桃金娘街
博伊西,ID 83702
208.331.4700 or 855.505.4700 ext.8601
网站: www.idahohousing.com
Oregon Housing and Community Services
Oregon Housing and Community Services
725 Summer Street NE, Suite B
塞勒姆,OR 97301-1266
503.986.2000
网站: 俄勒冈州.gov / ohc
Natural disaster resources
If you have submitted a loan modification package and would like to check the status, please contact our Servicing Team.