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Mortgage Assistance

If you’re having trouble making your mortgage or home equity payments, Salal offers a variety of options that might help you avoid foreclosure and keep your home.

    • Refinancing your current mortgage with Salal could potentially lower your monthly payment by extending the repayment period and/or reducing your interest rate.
    • If your mortgage loan is with Salal Credit Union, we may be able to modify your loan to make your payments more affordable.
    • You may be able to surrender the deed to your house voluntarily to avoid the foreclosure process.
    • We may be able to provide you with special forbearance in light of your current circumstances.
    • You may be able to sell your home and repay your mortgage in its entirety.

 

To explore any of these options, call us during business hours at 800.562.5515.

Have these documents ready.

In order for us to evaluate your eligibility for mortgage assistance, we must review some documents. Here’s a list of the general documents you’ll need when you call:

    • Recent pay stubs (or other proof of income, such as Social Security income payments or retirement income)
    • Recent statements from all bank or credit union accounts
    • Most recent filed Federal tax return, including all schedules.
    • Property tax statement
    • Hardship letter explaining why you are unable to make your payments
    • List of monthly expenses
    • You may be required to provide additional documentation

Additional Resources

Washington’s Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at 877.894.HOME (877.894.4663).

The Office of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at 800.569.4287.

You can find approved counseling agencies at the Consumer Financial Protection Bureau’s (CFPB) website: https://consumerfinance.gov/mortgagehelp or by calling 855-411-CFPB (2372). You can also access a list of nationwide HUD approved counseling intermediaries at https://www.hudexchange.info/programs/housing-counseling/intermediaries-shfa/.

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Routing Number: 325081610
PO Box 75029, Seattle, WA 98175
Salal CU NMLS #416045

Equal Housing Opportunity Federally Insured by NCUA

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Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Mortgage Review Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Call

Select your state below to schedule a call with the Salal Dealer Direct representative in your region.

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