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Every now and then, we may
hit a bump in the road which may cause us financial difficulty. It's times
like those when a trusted financial partner can help.
If you have questions or concerns regarding your mortgage loans with Valley
Credit Union, don't hesitate to call our trained real estate loan staff at
800.995.0287 to talk. Most likely, there is a solution for your difficult
situation, and we're here to help find it. In order to
assist you, we will need to talk with you about your financial situation and
what you can reasonably pay on your loan. Please have the following documents
ready:
- Pay stubs (2 most recent)
- Tax returns (last 2 years)
- Bank/Credit Union account statements (last 60 days)
- Lease/rental agreement if the property is not owner occupied
- Mortgage statement from other lien holder
- Evidence of current homeowner's insurance
- Hardship letter explaining your current financial difficultites
- Complete BALANCE assessment (click the link below)
There are options to help you keep your payments current, which may include loan
extensions and/or modifications, or working with debt management programs
offered through nonprofit independent agencies. The sooner you let us know
about any challenges you may be having, the sooner we can assist you.
Housing and Urban Development (HUD) can help you, too. HUD is a U.S. government
agency that increases home ownership and supports home buyers. HUD offers free
or low-cost counseling throughout the country. To find out where the nearest
counseling agency is in your area, please call 1.800.569.4287.
Complete your 3-step BALANCE assessment here:
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