*Coronavirus pandemic: If you are facing financial hardship and your ability to make your mortgage and/or home equity loan payments has been impacted by the coronavirus pandemic, please email us at [email protected].

The sooner you contact us, the sooner our team can understand your situation and explore options available to you. You may be eligible for payment forbearance, as your Credit Union is making available relief programs designed by the current direction of the Federal Housing Finance Agency (FHFA).

Life happens. Sometimes unexpected events can put a strain on your household budget, making your loan payment a challenge. Times get tight and tough decisions get made. If you’re struggling to make your payment and are afraid of falling behind, contact us! We have options to help you face that challenge.

The sooner, the better…

The sooner you contact us, the more options we will have available to assist you. In some cases, we may be able to offer a short-term extension or even modify your loan to something more manageable for your new situation. Don’t wait to contact us! Missing a payment can affect your credit rating.

The right option depends on your individual situation. We can offer temporary and long-term relief, including options that may allow you to stay in your home, such as refinance, repayment, forbearance and loan modification, or leave your home while avoiding foreclosure by a short sale or deed-in-lieu of foreclosure. Together we can find the right option for you.

How to get started

Requesting help with your loan is the first step. To get started, download and complete the following documents:

Homeowner Assistance Request Form »

Once you have completed these documents, simply return them to: Loss Mitigation, 423 Lynch St, St. Louis, MO 63118. We will acknowledge receipt of the documents within three business days, or within five business days if there is missing information. Once we have received the completed documents, we will evaluate your information and contact you within 30 days. If you have submitted the completed documents listed above and want to discuss the options we provided, please contact the Real Estate Servicing Manager at 877.269.4179 or [email protected].

Refinance Options

Do you pay your mortgage on time but are unable to refinance due to a decrease in your home’s value? Are you struggling to make your monthly mortgage payment because of a rate increase or loss of income?

Find out if a Home Affordable Modification or Making Home Affordable Refinance can help »

Guide to Avoiding Foreclosure

Worried about foreclosure? The U.S. Department of Housing and Urban Development is an excellent resource for information to help keep your home, from tips to avoiding foreclosure to foreclosure scam information to rental and relocation resources.

For assistance, contact us at 877.269.4179 or [email protected].