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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

 

We also offer Unemployment Mortgage Assistance through Keep Your Home California Program. This is a federally-funded program developed to provide temporary financial assistance to eligible California homeowners who wish to remain in their homes, but have suffered a loss of income due to unemployment or underemployment. To learn more about this program click here.

 

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
Email: help@foreclosurehelpscc.org
Web site: www.foreclosurehelpscc.org

 

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
Website: www.hud.gov

*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.

New Auto*

2.45%
APR

3/1 ARM Mortgage*

3.250%
APR

30yr Fixed Mortgage*

4.625%
APR

Checking*

2.00%
APY

More Rates

 

If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7628 for assistance. 

 

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