If you’re having trouble making your mortgage payments, please read the following information. There are resources available to help you do the following:

• Develop a plan to bring your loan current,
• Adjust your monthly payments to better fit your financial situation, or
• Skip a payment in the case of temporary employment hardship, such as a layoff or medical leave

Please contact CountryPlace Mortgage Delinquency team at 1-800-228-1828 and make sure you have the following:

• A copy of your pay stubs for the last 2 months
• Bank statements for the last 2 months
• Your monthly household expense budget
• A completed Financial Statement Form
• Hardship letter signed by the borrower(s) explaining the reason for assistance

Servicemembers Civil Relief Act (SCRA) Benefits

Eligible servicemembers and their spouses or civil partners may receive:

• Foreclosure protection
• Fee protection
• A special loan modification program for those facing financial challenges
• A reduced mortgage interest rate without fees or refinancing

These benefits last for 12 months after the end of Active Duty Orders. If you are an active duty member of the military, including the Reserves or the National Guard, and your loan was originated prior to your active duty date, you may be eligible for benefits.

The following organizations can provide foreclosure prevention options:

• www.makinghomeaffordable.gov: A federal government program to support homeowners struggling with unemployment, though targeted foreclosure prevention.
• HUD-certified housing counselors can be reached by calling: Toll-free 800-569-4287
  Check out HUD’s Guide to Avoiding Foreclosure
• www.knowyouroptions.com: A resource provided by Fannie Mae.
• www.homeownership.wa.gov: Foreclosure prevention and information program exclusively to residents of Washington State
  Toll-free: 1-877-894-HOME (4663)
• Washington State residents: Statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Toll-free 1-800-606-4819 http://nwjustice.org/what-clear

California Housing Finance Agency (CalHFA) has supported the needs of homebuyers by providing financing and homeowner assistance programs for low to moderate income Californians.

CalHFA Mortgage Relief page – https://www.calhfa.ca.gov/

Consumer Financial Protection Bureau page –  Help for homeowners to avoid foreclosure

https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/avoid-foreclosure/