Foreclosure Prevention Information

In accordance with California Civil Code Section 2923.5(g), if you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the "workout."

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including but not limited to the following: last two years' tax returns, current financial statement including a list of monthly income and expenses, verification of income, and recent bank statements. This is a partial list, and each situation will differ.

If you would like to discuss your options to avoiding foreclosure with us, please call your bank officer at 1-866-273-4265.

You may also contact the Department of Housing and Urban Development (“HUD”) to find a HUD-certified housing counseling agency by calling (800) 569-4287. Additional information is made available by HUD on its website at http://www.hud.gov.

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