Behind on your Mortgage Payments

If you are unable to afford your monthly mortgage payments and wish to avoid foreclosure, the options available to you depend largely on the type of loan you have. Options may include a refinance or new financing depending on your circumstances, or a loan "workout" or modification. Eligibility depends on several factors, including but not limited to : current monthly income, current monthly expenses, and your loan type. All loans are subject to credit approval.

If you decide to contact us to explore options to foreclosure, you will need to provide us with your current financial information, including:

  • a statement of your current monthly income and expenses
  • a list of balances owed to other creditors (e.g. credit cards)
  • balance and payment information on an other loans secured by your home
  • your most recent tax return, including current paystubs
  • information regarding the condition of your property along with any other property information you may wish to provide us that will help us determine the value of your property

If you would like to discuss your options to avoiding foreclosure, please contact our Real Estate Loan Department at (530) 755-3700 or toll free at (844) 881-2111.

The Department of Housing and Urban Development (HUD) may be able to help you by offering free to low cost credit counseling. To find a HUD certified housing counseling agency search on line at or call HUD's interactive voice system at: (800) 569-4287 for assistance.