Skip to main content

Main Header

Important Notifications

Mortgage assistance and support for homeowners

Assistance options for mortgage and home equity loans

If you’re having trouble managing your WSECU mortgage or home equity loan payments, please give us a chance to help. We’re committed to working with you to find the best solution. Depending on your eligibility, several options may be available, including:

  • Mortgage refinancing that extends your repayment period and/or reduces the interest rate to lower monthly payments.
  • A repayment plan to gradually catch up on missed payments.
  • A limited-time reduction or pause on your monthly payments with our forbearance program.
  • Deferred payments that are paid upon refinancing, home sale or loan maturity.
  • A loan modification that may reduce your monthly payment and extend the maturity date of your loan. You may want to consider a mortgage forbearance before taking this step.
  • Full mortgage repayment through home sale. If your home's value is less than your loan balance, we may be willing to accept the sale proceeds as full payment. This is known as a “short sale.”
  • Voluntary transfer of homeownership to us. This is known as a “mortgage release” or “deed-in-lieu of foreclosure.”

While we are committed to assessing every request for mortgage assistance, options may be restricted due to investor or state requirements.

We’ll work with you to find a solution. If you need assistance with your mortgage or home equity loan, provide a little information about your circumstances by completing our online form or by calling 800.893.7824 x67001.

Additional resources

If you would like counseling or assistance, you can find a list of counselors in your area by:

Mortgage assistance programs may also be offered through state housing agencies at:

Washington State Housing Finance Commission

Washington State Housing Finance Commission

1000 Second Ave, Suite 2700
Seattle, WA 98104
206.464.7139 or 800.767.4663

Idaho Housing and Finance Association

Idaho Housing and Finance Association

565 W. Myrtle Street
Boise, ID 83702
208.331.4700 or 855.505.4700 ext.8601

Oregon Housing and Community Services

Oregon Housing and Community Services

725 Summer Street NE, Suite B
Salem, OR 97301-1266

Natural disaster resources

If you have submitted a loan modification package and would like to check the status, please contact our Servicing Team.

Servicemembers Civil Relief Act

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.