Auto loans, signature loans, credit card or line of credit

Having trouble making loan or credit card payments? We’re here to help. Some options can include:

  • Establishing a repayment plan
  • Deferring up to two payments
  • Modifying monthly payment

Call us for help: 800.358.8228 x 7145

Mortgage hardship assistance options

We understand how important your home is to you. Here are some options to consider to get through this difficult period.

Repayment plan: The borrower agrees to repay the past due amount and current payments together over an extended timeframe, and catch up on the loan.

Recapitalization plan: The past due balance (principal and interest) is added to the current balance. This total amount is re-amortized and split into payments over the remaining original loan term.

Loan modification: Any loan changes that make the loan more affordable, such as a lower interest rate or longer term date.

Short sale: Sell your home, when you owe more than its value, to pay off a portion of your mortgage balance.

Deed in lieu of foreclosure: The transfer of ownership to Patelco. This eliminates the debt and avoids foreclosure.

Fannie Mae customers: Your loan may have additional assistance options.

Help is available if you’re having trouble making your mortgage payments.

  1. Contact us by email or call 800.358.8228 x 3999
  2. Download, complete and submit a Borrower Response Package (PDF).
  3. Fax the completed form to 925.847.1950.

You can also connect with a HUD counselor for additional support at 800.569.4287.

Did you apply for a loan modification?

To check the status of your loan modification, call 800.358.8228 x 3999 or email us.

To appeal a modification decision, call 800.358.8228 x 3999 or email us a summary of your appeal.

Appeals timeline

  1. An appeals manager will be assigned to your case within three business days and will provide you with a case reference ID and a resolution date.
  2. Appeals are typically resolved in 15 days. Some cases may extend to 30 days. Your case manager will notify you of any extension.

If we don’t meet these timelines, we’d like to know. Contact us at 800.358.8228 x 3999 or by email.

Additional contacts

If you’re experiencing financial hardship, you have access to a number of resources that can help.

Consumer loans support

Credit counseling services

  • Call 800.358.8228 x 7145

Free financial counseling from HUD

Loan mitigation specialists

Loan mitigation appeals