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Mortgage Help

If you’re struggling with a mortgage payment, maybe we can help.

Please remember that the sooner we can evaluate your circumstances, the more options that may be available to help you avoid foreclosure. So contact us immediately if you think you may need help.

Options to avoid foreclosure

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan workout or modification. 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 your current income) to make monthly mortgage payments in accordance with the workout. You may also qualify to refinance your current loan with us.

Gather your financial information

If you are interested in exploring any of the options mentioned above, you will need to provide us with certain financial information, including the following:

  • Your most recent pay stub
  • List of current monthly expenses
  • Your most recent tax return
  • Current bank statements
  • A current valuation of your property (appraisal)

Discuss your options

If you would like to discuss your options to avoiding foreclosure, please contact the Special Assets Department of Tri Counties Bank:

  • Toll Free: 1-800-982-2660 
  • Local: (530) 898-0300

Contact HUD

You may also contact the Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency:

Beware of Foreclosure Rescue Scams!

Scam artists have stolen millions of dollars from distressed homeowners by promising immediate relief from foreclosure, or demanding cash for counseling services. HUD‐approved counseling agencies provide the same services for FREE. If you receive an offer, information, or advice that sounds too good to be true, it probably is. If you have any doubts, contact your mortgage servicer. Don't let scammers take advantage of you, your situation, your house, or your money. Keep in mind, your mortgage servicer is not responsible for paying damages resulting from a scam. Remember, help is FREE.

How to Spot a Scam – Beware of a company or person who:

  • Asks for a fee in advance to work with your mortgage servicer to modify, refinance, or reinstate your mortgage.
  • Guarantees they can stop a foreclosure or get your mortgage modified.
  • Advises you to stop paying your mortgage servicer and pay them instead.
  • Pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read, and you don't fully understand.
  • Claims to offer "government‐approved" or "official government" mortgage modifications.
  • Asks you to release personal financial information online or over the phone and you have not been working with this person and/or do not know them.

How to Report a Scam – Do one of the following:

  • Go to to submit a complaint and get more information on how to fight back.
  • Call 1 (888) 995‐HOPE (4673) and tell the counselor about your situation and that you believe you were scammed or know of a scam.

A word about our calculators

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

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