Foreclosure Prevention

We’re here to help you keep your home

Falling behind on your mortgage can be stressful, but you don’t have to face it alone. If you’re in default on a real estate loan with Canopy Credit Union, our team is ready to listen, understand your situation, and explore options that may help you avoid foreclosure.

Current statements for all checking and savings accounts (Canopy or other institutions)
List of personal assets, including real estate, vehicles, and investments
Overview of major bills
Most recent W-2 and tax return
Pay stubs from the past six months
Benefit statements (Social Security, disability, unemployment, retirement, or public assistance)
Statements for other loans, including credit cards, auto loans, student loans, and mortgages

Special Forbearance: Temporarily reduce or pause your payments to ease financial pressure. Afterward, you can make a lump sum payment or spread it out with a repayment plan.
Repayment Plan: Pay your regular mortgage plus a portion of what’s past due over several months or up to a year, returning to your normal payments once completed.
Mortgage Modification: Adjust your loan term or refinance to make payments more manageable.
Pre-Foreclosure Sale: If keeping your home isn’t possible long-term, selling before foreclosure can help protect your credit and preserve some equity.
Free Financial Coaching: Our personalized financial coaching is free, compassionate, and designed for your unique situation. Our certified financial coaching team can help you build a plan you can trust.

we’re ready to talk

Our Member Solutions team is here to guide you through every step. Reach out today at 509. 323.1333 or toll-free at 800.541.4310 (ask for Member Solutions).

You’re not alone—help is also available through:

Remember: Your story matters. We’re here to help you explore your options, answer your questions, and empower you in keeping your home.