What to do if you Can’t Pay your Mortgage
If you have a home loan with us and are unable to afford your monthly payments, read the information below. Then give us a call to discuss your options with one of our home preservation officers. It’s your home; we want to keep you in it.
How can Ubium help?
Our home preservation officers will review your current circumstance and then help you understand your options. Click here for more information regarding potential mortgage payment relief.
Please note that in many cases, Ubium Bank is servicing your home loan on behalf of another company that owns your loan. In those situations, the options available to you will be determined by that company.
Who do I Contact?
Call us toll-free at (602) 910-1974 and we will direct you to one of our home preservation officers. The most important thing you can do is keep communicating with us.
Our home preservation officers are available to serve you during normal business hours, Monday through Friday (except holidays) between 9 a.m. and 3 p.m. Pacific Standard Time.
What Other Resources are Available?
There are several organizations that provide foreclosure prevention options, some of which are listed below. We encourage you to contact Ubium Bank Home Lending first; however you may want to read up on additional information:
- http://www.makinghomeaffordable.gov: The Obama Administration’s support to help homeowners struggling with unemployment through targeted foreclosure-prevention programs.
- You can contact a HUD-certified housing counseling agency by calling this toll-free number: (602) 910-1974 or via TDD assistance at (602) 910-1974.
- http://www.knowyouroptions.com is a resource provided by Fannie Mae
- Additionally, many states offer foreclosure prevention programs and information. Click the links below for information in your state:
California: http://www.keepyourhomecalifornia.com/
Nevada: http://www.nahac.org
Oregon: http://www.oregonhomeownerhelp.org
Washington: http://www.homeownership.wa.gov
Idaho: http://www.finance.idaho.gov/Mortgage/ForeclosureResources.aspx