Home Loan Payment Help

Mortgage assistance is available to you

If you're struggling to pay your home loan, you don't have to go it alone. You have access to help, as a member of Monterra Credit Union. 

Here to help you manage your mortgage payments 

For First Mortgage Hardship Assistance, please call (877) 210-8647

For Second Mortgages or Home Equity loans, please follow these two simple steps:

1. Preparing to talk to us

Gather your financial information so that we can get right to the heart of the matter. We’ve made it easy by providing streamlined application for you to fill out. You'll also need:

  • Fully completed loan application
  • Recent income documents (such as pay stubs, benefit statements from Social Security, disability, unemployment, retirement, or public assistance.) If you are self-employed, have your tax returns with a year-to-date profit and loss statement available for reference
  • Bank statements for last two months
  • Copy of your Home Owners Insurance Policy
  • Documentation of your hardship

2. Starting a conversation

Call (650) 562-1224. You'll be connected to one of our Financial Assistance Specialists who can discuss your particular situation and provide practical solutions to avoid foreclosure.

If you prefer, you can mail in your application to:

Financial Assistance
Monterra Credit Union
350 Convention Way
Redwood City, CA 94063

If you send in your application by mail one of our specialists will review your information and call you to set up a time to talk.

Access housing counseling

The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies that provide low- or no-cost assistance. Find the nearest one. You can also call toll-free at (800) 569-4287 weekdays between 9 a.m. and 5 p.m., Eastern Standard Time (6 a.m. to 2 p.m. Pacific Time). When you call HUD, you can receive an automated referral to the three housing counseling agencies closest to you.

Finding your first mortgage loan account number

Log in to online banking and find your first mortgage loan from the Accounts tab. The number sequence next to the loan on this page is NOT your account number of record. Click on your first mortgage loan and press “continue” on the pop up. Click the “eStatement” tab in the menu across the top of the page. Click on your most recent eStatement. It will open in a new window. In the top right-hand corner, you will see “Account Number.” This is the account number for your mortgage loan.

Get rolling toward a better deal with low-rate vehicle loans that keep you moving.

Regular Savings Account

Looking for an account without the hidden fees? Get a safe place to store your savings.