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Advice Planning

Mortgage Foreclosure Resources

Financial difficulties can strike at any time, leaving members struggling to keep up with their bills. If you are facing a mortgage foreclosure on your primary residence or rental properties, SFPCU is ready to discuss options for avoiding foreclosure.

We work with members falling behind on mortgages or home equity loans to explore options such as loan modifications, loan repayment plans, loan extensions, and refinances.

HUD Counseling

Housing & Urban Development (HUD) also provides counseling to members delinquent on their mortgage. To find a HUD-certified housing counseling agency near you, please call 800.569.4287 for assistance.

You also can access mortgage foreclosure resources from the Federal Reserve and contact other California foreclosure intervention counselors.

SFPCU’s Alternatives to Foreclosure

Step 1

Before contacting us about foreclosure alternatives, you’ll need to gather specific documents to present to our representatives. All borrowers listed on the current mortgage must present this documentation.

  • Your most recent pay stub(s), covering a 30-day period
  • Your last two years’ employer W-2 forms
  • Your hazard insurance and property tax bills for all property owned
  • Non-SFPCU savings account statements showing three months’ balances
  • A letter explaining your current financial position

If you own rental property, please present the following:

  • Your last two years’ personal tax returns, all schedules or
  • Your current rental agreements for each rental property

If you are self-employed, please present the following:

  • A complete copy of your last two years’ federal tax returns, all schedules
  • A year-to-date profit and loss statement with balance sheet
  • A complete copy of your last two years’ business returns (1065s, 1120S or 1120, if applicable)
  • Your last two years’ K-1s, if applicable

Please note that additional documentation may be needed and requested after our initial review.

Step 2

Call us at 800.222.1391 or 415.564.3800 with your documents ready to present to an SFPCU representative, and we will explore various options based on your financial situation. If you wish to have an agent act on your behalf, please complete and return the Borrower Designation of Representation form to this address:

2550 Irving Street
San Francisco, CA 94122

Then have your representative contact us immediately.

This notice is provided in accordance with California Civ.Code d2923.5(g)(5). Please be advised that SFPCU reserves the right to accept or deny any request for foreclosure avoidance in its sole and absolute discretion. The approval of SFPCU of any option to avoid foreclosure is on a case by case basis and merely calling the SFPCU to discuss possible alternatives to foreclosure does not guarantee that you will be approved.

  • Accessibility
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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