Consumer Mortgage & Equity Assistance

If you are experiencing a financial hardship or foresee difficulty in managing future payments, we may have options to assist you.

Possible options include, but are not limited to:

  • Loan modifications or loan workout that may modify the current terms of your existing loan*
  • Short sale**

Program eligibility depends on several factors: information that you provide to us will help determine a program that best fits your current financial situation including your willingness to repay the loan.

All requests are subject to complete documentation and credit approval.

We will acknowledge receipt of your request within 5 business days. You can expect a credit decision within 15 business days of receipt of a complete package.

We are available by phone Monday – Friday from 8:00am – 5:00pm PST at at 916-567-2755 or 1-800-564-7144. You may also reach us by email at

*Loan Modification Package Checklist

**Short Sale Package Requirements

Sacramento Housing & Redevelopment Agency

SHRA (Sacramento Housing & Redevelopment Agency) offers a list of resources with links to agencies that can provide counseling and additional helpful information if you are facing default or foreclosure on your mortgage loan.

U.S. Department of Housing and Urban Development

HUD's (U.S. Department of Housing and Urban Development) mission is to increase home ownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level.

To find a HUD-certified housing counseling agency, call (800) 569-4287 or search for a HUD Approved Housing Counseling Agency online.