Foreclosure Avoidance

The sooner you take action, the more options you might have available to avoid foreclosure


UNIFY understands that sometimes people face economic challenges making it difficult for them to meet their financial obligations. If you are facing difficulties making your mortgage payments, please contact UNIFY or a certified housing counselor (see contact details below) as soon as possible.

The sooner you take action, the more options you might have available to avoid foreclosure. The longer you wait, the more difficult and more expensive it becomes to stop the process. A foreclosure can damage your credit and negatively affect your ability to borrow money in the future. 

Options that might be available to you

Repayment Plan

UNIFY may accept an agreement to help you get current with missed mortgage payments by creating a schedule for repaying the past-due amounts.

Loan Modification

UNIFY may present an option to temporarily change the terms of the mortgage to make payments more affordable. Example actions include an extension to the number of years on the loan, or change the rate to lower your payment during your hardship.


UNIFY may allow suspended payments for a short period of time.

Short Sale

If affording a home is no longer an option, then a short sale can be an option. A short sale would allow you to sell your home even if the mortgage balance exceeds the value of the home.


Deed in Lieu of Foreclosure

This option allows you to leave your home and transfer your deed to UNIFY in order to avoid foreclosure.

Please contact us to help guide you through the process and determine which options might be available to you.  

UNIFY, however, is under no obligation to offer potential remedies.

How to Get Started

The most important step is to get help as early as possible. Delays in seeking help can cause a costly setback.  The following is information for valuable resources and assistance: 

  • You can call UNIFY’s Loss Mitigation General SPOC Line: 877-254-9328, ext. 6200 Monday through Friday between 8:00 a.m. to 5:00 p.m. PST. 
  • You can call the U.S. Department of Housing and Urban Development (HUD) for free counseling on information and assistance on foreclosure prevention alternatives at 1-800-569-4287 or TDD 1-800-877-8339 or
  • If your property is in California, you might be eligible for assistance under the California Mortgage Relief Program at

What You'll Need

Financial Documents You Will Need to Provide UNIFY:

  • Two most recent pay stubs.
  • Most recent W-2 tax statement.
  • Most recent bank statements.
  • A written statement explaining your financial hardship.
  • A completed Financial Assistance Package.
  • Additional documents as requested by UNIFY.
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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

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