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.
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 www.hud.gov/counseling.
- If your property is in California, you might be eligible for assistance under the California Mortgage Relief Program at www.camortgagerelief.org.
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.