If you find yourself unable to manage your home loan payments, contact your primary mortgage lender right away. The sooner your lender knows about your situation the better chance you have of working out a solution. Waiting to find assistance will put you further behind in your payments and increase your chances of losing your home.

SDCCU® wants to help keep you in your home and avoid foreclosure whenever possible. If SDCCU is your primary mortgage lender and you need help, please call us right away at (877) 732-2848 and request a Workout Loan. You may request SDCCU consider options to defer payment(s) or modify loan terms on your home loan.  This is called a "Workout Loan." We will schedule you to meet with an SDCCU Counselor within 14 days, either by phone or face-to-face. Learn more about your options and how we can assist you with a Workout Loan.

Counseling services are available for SDCCU members who need assistance in requesting a Workout Loan. Call us at (877) 732-2848 for more information.

You have the right to use a third party, such as a counseling service or attorney, to assist you with this process. This signed consent form is required from you in order for us to speak with them.

The United States Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. The toll-free telephone number to find a HUD-certified housing counseling agency is (800) 569-4287 or TTY (800) 877-8339. See the Department of Housing and Urban Development at hud.gov for a more complete list of Community Counseling Agencies.

Here are a few legitimate counseling agencies you can contact for assistance:

• The Homeownership Preservation Foundation is a national organization and the cost of counseling is paid for by Fannie Mae. Talk to an experienced counselor at (888) 995-HOPE or visit the Foundation website at 995hope.org. 

• San Diego Home Loan Counseling & Education Center is local and celebrating 30 years of community service in San Diego. This service is typically easier to reach than the Hope organization and charges $25 for their services. Learn more at sdhomeloan.org.