SDCCU® wants to help you stay in your home whenever possible. Our goal is to find an arrangement that is in the best interest of all parties involved.

The following Workout Loan options may be available to members who are unable to afford their monthly mortgage payment and who wish to avoid foreclosure:

• Payment Deferment – If you are one, two, or in some situations, three months behind in your payments, we may be able to defer your payment and extend your loan.
• Loan Modification – A temporary change in the repayment terms of your loan.
• Refinance – Obtain a new loan, if you qualify.
• Repayment plan  – Repay the amount you are behind over several months.
• Home Saver Loan – If you are past due but not in foreclosure.
• Fresh Start Loan - This solution is for members with their first mortgage with another institution and an SDCCU Home EquityLine/Loan.

Contact us at (877) 732-2848 for more information on any of the above programs or to request your Workout Loan.