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Foreclosure Assistance

FORECLOSURE PREVENTION & ASSISTANCE

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 should 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 1-866-374-7090, Monday-Friday 8:00 a.m.-5:00 p.m. PST

CONTACT 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 local 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 YOU SHOULD HAVE AVAILABLE

You may want to have the following information and documents 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)

http://www.hud.gov/

HUD Housing Counseling Washington State

http://www.hud.gov/local/wa/homeownership/hsgcounseling.cfm

Washington State Department of Financial Institutions

http://www.dfi.wa.gov/

http://www.dfi.wa.gov/homeownership/foreclosure

 

 

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 For more information
or a rate quote
call (866) 374-7090
or
email us.

Heritage Bank | NMLS #541567
435 E George Hopper Road, Burlington, WA  98233
Toll Free:  (866) 374-7090
HomeLoans@HeritageBankNW.com