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Mortgage troubles?
We're here to help.

As your credit union, we're here to help in the good times and to ease the stress of financial challenges.  If you're worried about making your mortgage or home equity loan payment, or have already fallen behind, talk to us. We may be able to provide options that can help you avoid foreclosure including:

  • Payment extensions
  • Repayment plans
  • Loan restructuring
  • Short sale

The most important thing to do is to take action by contacting us.

The process is simple

  1. Get ready to talk to us

    Gather your financial information so that we can get right to the heart of the matter.  Weve made it easy by providing a personal budget worksheet and application for you to fill out.  You'll also need:
    1. Hardship Letter
    2. Financial Budget Worksheet
    3. Fully completed loan application and signed authorization to release
    4. Two most recent paystubs with year to date earning covering 30 days
    5. Last two years full Tax Returns and all W-2s and 1099s
    6. Most recent statements for two utility bills
    7. Last three months bank statements
    8. Current Homeowner Insurance Declaration page

    Contact us

    Call our toll-free number: 1 (888) 363-1725 and ask for the Real Estate Department or you can call direct to (650) 363-1799. You'll be connected to one of our mortgage specialists who can discuss your particular situation and provide practical solutions to avoid foreclosure.
    If you prefer, you can also mail or fax in your personal budget worksheet to:

    San Mateo Credit Union
    Real Estate Department
    350 Convention Way   
    Redwood City  CA 94063     

    Fax: (650) 367-1227

If you send in your budget worksheet, one of our mortgage-relief specialists will review your information and call you to set up a time to talk.

Other Resources

The U.S. Department of Housing and Urban Development (HUD) also sponsors housing counseling agencies that provide low- or no-cost assistance.  Click here to find a nearby HUD-approved housing counseling agency. You can also call toll-free (800) 569-4287 weekdays between 9:00 a.m. and 5:00 p.m. Eastern Standard Time (6:00 a.m. to 2:00 p.m. Pacific Time). When you call the number, you can also receive an automated referral to the three housing counseling agencies located closest to you.