Avoiding Foreclosure

If you are struggling to make your home loan payments, contact us first. We are here to do everything possible to help find a solution and keep you in your home.

Contact us by phone at (916) 386-1418 or 1-800-332-1418 and ask for the Mortgage or Collection department. One of our experienced staff will assist you. If you prefer to meet in person, we would be happy to make an appointment.

Prior to contacting us, please have the following information available:

• Most recent paycheck stub and W-2 for prior year. (If you are self-employed, the last two years of Federal tax returns).
• Your current bank statement for any other institution you may bank with.
• A complete list of your monthly obligations, including credit cards, equity loan, auto loan, utilities, and other home expenses.

Options we will review:

• Refinancing the loan(s)
• Modification of the term
• Modification of the interest rate
• Consolidating your debt

Contact a HUD (a U.S. Government agency) certified counseling service:

Toll FREE (800) 569-4287
TTY (800) 877-8339

Find a Housing Counselor | Consumer Financial Protection Bureau (consumerfinance.gov) or

U.S. Department of Housing and Urban Development (HUD)

You can also visit https://www.hud.gov/topics/avoiding_foreclosure for more information and resources.

If you are a servicemember or dependent you may be entitled to certain protection under the federal Servicemembers Civil Relief Act regarding interest rate and the risk of foreclosure.  Counseling for covered service members is available from Military OneSource at  https://www.militaryonesource.mil/ or  800-342-9647 or U.S. Armed Forces Legal Assistance at https://legalassistance.law.af.mil/

If your home loan is not financed with CACCU, please contact your lender directly to discuss options with them.