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If you find yourself unable to manage your loan payments, contact your primary lender right away. The sooner your lender knows about your situation the better chance you have of working out a solution. Waiting to find assistance will put you further behind in your payments and increase your chances of defaulting on your loan.
SDCCU is here to help! You may request that SDCCU consider options to defer payment(s) or modify the terms on your loan. This is called a "Workout Loan." There is no cost to request a Workout Loan and you don't need to be behind on your payments to act. The sooner you act, the sooner we can help!
The following Workout Loan options may be available to members who are unable to afford their monthly loan payment:
Get started by downloading a Workout Loan request below:
SDCCU wants to help keep you in your home and avoid foreclosure whenever possible. Our goal is to find an arrangement that is in the best interest of all parties involved. If SDCCU is your primary mortgage lender and you need help, please call us right away at (877) 732-2848, ext. 3100, and request a Workout Loan. You may request that SDCCU consider options to defer payment(s) or modify loan terms on your home loan.
No cost counseling is available for SDCCU members who need assistance in requesting a Workout Loan. Contact Balance Financial Fitness for more information at (888) 456-2227.
You have the right to use a third party, such as a counseling service or attorney, to assist you with this process. This signed consent form is required from you in order for us to speak with them. Please see the warning below about potential scams.
The United States Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. The toll-free telephone number to find a HUD-certified housing counseling agency is (800) 569-4287 or TTY (800) 877-8339. See the Department of Housing and Urban Development at hud.gov for a more complete list of Community Counseling Agencies.
Here are a few legitimate counseling agencies you can contact for assistance:
Warning: Please beware of businesses representing themselves as “counseling agencies” that are not HUD-Certified and are really “for profit” businesses that charge for their services and cannot guarantee any results.
You will need the following items when requesting a Workout Loan:
Here is what you can expect to start the process:
You have the right to use a third party, such as a counseling service or attorney, to assist you with this process. This signed consent form is required from you in order for us to speak with them.
Note: Incomplete applications will delay the processing of your Workout Loan request.
Contact a Workout Loan Specialist at (877) 732-2848, ext. 3100, for more information on any of the above programs.
SDCCU has over 30,000 surcharge-free ATMs and 41 branch locations.
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Log into Internet Branch online banking to apply for this loan under your existing account. If you want a separate account, use the New to SDCCU options to the left.
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