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:


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