Hardship Assistance Programs
We're here to help during difficult financial times
You're Not Alone
Life can bring unexpected challenges. We offer several assistance programs to help you through difficult times and keep you in your home.
Common Hardship Situations
Job Loss or Reduced Income
Temporary or permanent loss of employment affecting your ability to make mortgage payments.
Available Options:
- • Forbearance
- • Loan modification
- • Payment reduction
Medical Emergency
Unexpected medical expenses or illness that impacts your financial situation.
Available Options:
- • Forbearance
- • Payment deferral
- • Loan modification
Divorce or Separation
Changes in household income due to divorce, separation, or death of a co-borrower.
Available Options:
- • Loan assumption
- • Refinance
- • Loan modification
Natural Disaster
Property damage or displacement due to natural disasters like floods, fires, or earthquakes.
Available Options:
- • Forbearance
- • Payment deferral
- • Insurance assistance
Assistance Options
Forbearance
Temporarily pause or reduce your mortgage payments for a specific period.
Duration:
3-12 months typically
Requirements:
Documented hardship, ability to resume payments
Loan Modification
Permanently change the terms of your loan to make payments more affordable.
Duration:
Permanent change
Requirements:
Long-term hardship, income verification
Payment Deferral
Add missed payments to the end of your loan term.
Duration:
Varies by situation
Requirements:
Temporary hardship, ability to resume payments
How to Apply for Assistance
1
Contact Us Immediately
Don't wait until you're behind on payments. The sooner you reach out, the more options we have to help.
2
Document Your Hardship
Gather documentation such as pay stubs, medical bills, unemployment benefits, or other proof of hardship.
3
Complete Application
Fill out our hardship assistance application with all required documentation and information.
4
Review Process
We'll review your application and work with you to find the best solution for your situation.
5
Implementation
Once approved, we'll implement the assistance program and provide ongoing support.
Important Information
- • Contact us as soon as you anticipate difficulty making payments
- • Continue making payments until your assistance is approved
- • Keep all documentation related to your hardship
- • Respond promptly to any requests for additional information
- • Stay in communication with your loan servicer
Ready to Get Help?
Our compassionate team is here to help you find the right solution for your situation.