Avoiding foreclosure

Information to help you move forward.

Options to explore.

If you are having difficulty making your mortgage payments, but wish to avoid foreclosure, OnPoint Community Credit Union may be able to help. Depending on your situation and loan type, there are a number of options that may be available to you:

  • You may qualify for modification of your existing OnPoint loan in order to make your payments more affordable.
  • If you qualify, you may be able to refinance your loan for an extended term and/or lower interest rate, which would reduce your payments.
  • If you sell the home yourself, you may actually be able to generate enough sale proceeds to pay off your loan in full. If the purchase price is insufficient to pay the loan in full, OnPoint may be willing to accept less than the full balance and develop a repayment plan for the remaining amounts due.
  • If you cannot pay your loan and are having difficulty selling your home, you may find it advantageous to enter into an arrangement to voluntarily transfer the home to us.

Contact OnPoint immediately.

Please call us to discuss these options further. If you are having trouble making your mortgage payments it’s important to act fast; we encourage you to contact us immediately. Contacting OnPoint sooner may preserve more of your options.

Call OnPoint at
800.527.3932 ext. 5765

Documents and information.

Review this list of documentation as you may need these materials when discussing your mortgage situation with OnPoint or a counselor.

Other resources

You may also wish to contact the United States Department of Housing and Urban Development (“HUD”) at 800.569.4287, to find a HUD-Certified Housing Counseling Agency in your area. The Washington State Department of Financial Institutions can also help you locate a housing counseling agency if you call 877.894.4663.

  • Financial hardship letter explaining why you are unable to make your payments
  • Pay stub and list of current monthly expenses, including debt obligations and living expenses
  • Tax return and property tax statement
  • Additional documentation may be required depending on your circumstances

If you are having trouble making your mortgage payments, please call us.

800.527.3932 ext. 5765

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.



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