Mortgage Payment Challenges

Options to Avoid Foreclosure

We understand that life can present challenges like loss of employment, medical problems, and other circumstances that can make it difficult for you to meet your mortgage obligation.  

If you are struggling to make your mortgage payments, we'll work with you to try to find a solution. A Union Bank® representative will assess your current financial status to assist you in determining which of the following options may be right for you:

  • Refinance
  • Repayment Plan
  • Payment Extension
  • Loan Modification
  • Sell Your Home
  • Short Sale
  • Deed in Lieu of Foreclosure

Call us today toll-free at 1-855-691-7762, Monday–Thursday, from 8:00 a.m. to 7:00 p.m. PT, and Friday, from 8:00 a.m. to 5:00 p.m. PT, to discuss the various available options. 

In order for a representative to assess your financial condition and help you determine which option may work for you, the following information may be requested of you: 

  • Executed Affidavit of Financial Hardship
  • Hardship Letter and Any Borrower-Required Explanations
  • Monthly Income and Expense Worksheet
  • Borrower's Financial Statement
  • Copies of the last two months' statements of all open deposit accounts
  • Copies of the last two years' tax returns
  • An IRS Form 4506-T signed by all borrowers
  • A copy of your most recent utility bill
  • Evidence of Income, not more than 90 days old; e.g., pay stubs
  • If the loan is a junior lien, a copy of the current loan statement and written authorization to release information to Union Bank

For additional assistance, you can contact the U.S. Department of Housing and Urban Development (HUD) toll-free at 1-800-569-4287 to find a HUD-certified housing counseling agency. If your property is located in Washington and you would like assistance in determining your rights and opportunities, you can contact the Washington State Housing Finance Commission at 1-877-894-4663. 

You’re leaving Union Bank

By clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. By linking to the website of this private business, Union Bank is not endorsing its products, services, or privacy or security policies. If you accept third-party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (for example, if the offer was made only through our site).

The information that this private business collects and maintains as a result of your visit to its Web site, and the manner in which it does so, may differ from the information that Union Bank collects and maintains. (Refer to the Privacy & Security section for privacy protections Union Bank provides to its Web site visitors). If you provide the business with information, its use of that inforation will be subject to that business's privacy policy. We recommend you review their information collection policy, or terms and conditions to fully understand what that business collects. We are not responsible for the information collection practices of the other Web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information.

If you wish to continue to the destination link, press Continue.