Real Estate Hardship
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Real Estate Hardship Assistance

The Credit Union can provide assistance to members who are experiencing financial difficulty with their PremierOne Credit Union Real Estate loans and want to avoid foreclosure.

If you have a financial hardship, we may be able to provide temporary assistance that will keep you in your home, including:

  • Lowering your monthly payment by temporarily lowering the interest rate
  • Lowering your monthly payment by extending the loan term
  • Consideration of other alternatives

For assistance, please call the Credit Union at 1.855.500.7128 or 408.524.4500.

To start the process, we may request your personal financial information and a letter describing your financial hardship. You may also be asked for the following documents:

  • List of current debts
  • Proof of Income
  • List of monthly expenses
  • Property insurance declaration page
  • Property tax status
  • Mortgage statements from the lien holders
  • Foreclosure notices received


If you have a mortgage that is in the city of San Jose but not at PremierOne Credit Union, you can contact ForeclosureHelp* for assistance at:

Hotline: 408.794.1242
Web site:


If you would like to contact the U.S. Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency, please contact:

Phone: 1.800.569.4287

*ForeclosureHelp is a City of San Jose Housing Department program. The program is designed to provide information and referral services to assist families impacted by foreclosure and to help them navigate through the foreclosure process. Services are provided to San Jose Metropolitan area residents and include prevention, intervention, and family re-stabalization. This is a no fee for service organization.

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If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7128 for assistance. 


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