Homeowner Hardship Relief Assistance
Mortgage and home equity payment assistance.
We offer payment assistance for mortgages, home equity loans, and home equity lines of credit to clients experiencing financial hardships. Contact us to find out which options you may have.
Assistance We Offer
Depending on your situation, you may qualify for a repayment plan, reage, modification, forbearance, extension, shortsale, or deed in lieu. We will review your situation and let you know of any assistance options for which you are qualified.
Please continue to make your regularly scheduled payments while your request for assistance is in process.
Request Assistance
Call us to get started. If you would like to request a call from us and have access to online banking, use the Online Assistance Form below. After entering your Mortgage or Home Equity account information, you will be prompted to sign on to your online banking account to complete and submit a request form. If you don't have access to online banking, enroll today.
Contact us
Depending on your situation, you may want to have your monthly income, household expenses, and an explanation of your hardship ready, so we can better understand your needs and how we can help.
Dial 711 for TTY/TRS
Monday – Thursday, 8:00 a.m. – 7:00 p.m. ET
Friday, 8:00 a.m. – 5:00 p.m. ET
Translation services available.
Online Assistance Form
Securely request assistance in online and mobile banking.
Uniform Borrower Assistance Form PDF
Use this form if we've already talked and you're ready to apply for assistance. Once we review your information, we’ll contact you to discuss your options.
Additional Resources
The Department of Housing and Urban Development (HUD)
Housing counseling agencies approved by HUD are available and can offer independent advice based on your goals and circumstances, often at little or no cost. To contact a HUD-approved housing counseling agency in your area, visit HUD.gov or call 1-800-569-4287 (TTY: 1-800-877-8339).
For Washington State Homeowners
You can speak with a counselor about your financial options. Call the Washington Homeownership Information Hotline at 1-877-894-HOME or visit Washington Homeownership Information.
Frequently Asked Questions
A forbearance may be available for mortgages, home equity loans, and home equity lines of credit. A forbearance is an agreement to temporarily pause or reduce your loan payments to allow time to get your finances back on track to pay off the past-due balances.
The paused payments are not forgiven and need to be repaid at the end of the forbearance. If you cannot make the full paused payments owed and resume your regular payments, please contact us at 1-866-947-2610, so we can review your circumstances and see if you qualify for additional assistance.
A repayment plan may be available for mortgages. If you are behind on your payments, you may qualify for a repayment plan that allows you to make your regularly scheduled loan payments, plus pay off a portion of the past-due amounts over time.
A reage program may be available for home equity lines of credit. With the successful remittance of approved repayment amounts, as well as meeting other specific conditions, a delinquent account may be returned to a current status without immediately collecting the total amount past due. As a result, the account will no longer be considered delinquent. If you are past due on your payments and are able to make your regular payments going forward, you may be eligible for this option.
If you are experiencing temporary financial hardship, you may be eligible for an extension. An extension may be avaiblable for mortgages and home equity loans. An extension is an agreement to pause a number of your loan payments for a period of time and add those payments to the back end of your loan, extending the length of your loan term. To be considered for an extension, you must be able to show that you can make future payments.
A loan modification may be available for mortgages, home equity loans, and home equity lines of credit if you are facing a long-term financial hardship. If you are unable to afford your current minimum payment but could pay a reduced amount each month, you may be eligible for a loan modification.
A short sale may be available for mortgages, home equity loans, and home equity lines of credit. If you want to sell your house, but it’s worth less than the amount remaining on the loan balance, a short sale may allow you to sell for less than the balance owed. However, you may be responsible for paying the difference between what the bank receives in the short sale and what you owe.
A deed in lieu may be available for mortgages, home equity loans, and home equity lines of credit. If you are not able to sell your house, you can choose to voluntarily transfer the ownership of your property in exchange for a release from your loan and payments. You may be responsible for paying the dfference between what the bank receives when it sells the property and what you owe.
