Foreclosure can have a serious impact on your credit and may make it harder to borrow money at favorable rates in the future.

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At La Loma Federal Credit Union, we understand that many individuals and families are facing financial challenges. If you’re having trouble making your mortgage payment—whether it’s with us or another lender—it’s important to act quickly. Reaching out early gives you more options and a better chance to avoid foreclosure.

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Our goal at La Loma Federal Credit Union  is to work with you to find a solution that helps you stay in your home, rather than going through the foreclosure process.

If you're experiencing delinquency and would like to explore your options, please be prepared to provide the following:

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•  Most recent pay stubs 

• Most recent W-2 tax statement 

• Most recent bank statement 

• A written explanation of your financial hardship 

• A detailed financial statement outlining your income and expenses

 

Even if you're still gathering these documents, we encourage you to contact us right away so we can begin discussing possible solutions:

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La Loma Federal Credit Union: 909-796-0206
Other Lenders: Contact lender directly
Financial Counseling: HUD-Certified Housing Counselor at 800-569-4287 

Taking action early can make all the difference. The sooner you reach out, the more options may be available to help you move forward.