Mortgage Help

If you find you are unable to afford your current mortgage payments and wish to avoid foreclosure, call the lender currently servicing your mortgage loan immediately to discuss your concerns. You may also contact the loan officer at Western Foothill Mortgage who arranged your loan for assistance.

Our Toll Free number is: 800-976-1000.

Our FAX number is (530 ) 621-9865.

To assist you we will need this information available to us:

• Income verification (most recent pay stubs, or other documents proving income)
• Your most recent mortgage billing statement
• Copy of the promissory note with your current lender
• Other information may be requested by the loan officer as needed.

TO LOCATE A HUD-CERTIFIED LOAN COUNSELING AGENCY CONTACT:

THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)
HUD Counseling Agency TOLL FREE (800) 569-4287
HUD Website: http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

Some options we may explore are:

Repayment Plan:  This usually involves establishing a schedule with your lender(s) to make a full regular monthly payment plus a little extra each month to repay the delinquent amount over a specified period of time.

Special Forbearance Plan:  This option may provide for a temporary reduction or suspension of payment that will be increased at a later point to repay the delinquent amount over a specified period of time.

Pre-foreclosure Sale:  This option my allow you to sell your property for an amount less than what is necessary to pay off your mortgage loan.

Deed in Lieu of Foreclosure:  This option may allow you to voluntarily “give back” the property to your lender(s) without further damaging your credit.

Foreclosure:  This process takes approximately four (4) months to complete ending with the sale of your property at public auction