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Bank of the Sierra Homeowners Assistance

Foreclosure Options for Homeowners

Principal Residence Only

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure you may be eligible for a loan “workout”. We determine eligibility for loan “workouts” on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on current income) to make monthly mortgage payments in accordance with the “workout” agreement. You may also qualify to refinance your current mortgage with us or another lender in your area.

If you are interested in exploring the options listed above, you will need to provide us with certain financial information, including (but not necessarily limited to) the following: two most recent paystubs for all wage earners, a detailed and comprehensive list of your current monthly expenses, your two most recent federal tax returns, most recent bank statement(s), and any current valuation of your residence available (appraisal for example). Additional documentation may also be required in order to consider your request.

If you would like to discuss your options to avoiding foreclosure with us, contact a Customer Service Representative at 888-454-2265.

You have the right to request a meeting with a bank representative or authorized agent. Depending on your current situation, you may either be directed to a bank workout specialist, or the bank’s trustee in foreclosure matters, for further discussion.

You may also contact the Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency by calling 800-569-4287.

Additional information is made available by HUD on its website.

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NEWS

Bank of the Sierra Opens New Agribusiness Loan Production Office in Templeton

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Sherrie Avila
Sherrie

Customer Service Representative

13 Years Experience

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Phone: 1-888-454-BANK
Routing Number: #121137027
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