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HOME LOAN CENTRAL

Home Mortgage

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Whether you are buying a new home or refinancing your current home, our knowledgeable home loan professionals have a loan to fit your needs. Choose from a variety of home loans with competitive rates and low closing costs. We offer:

  • Jumbo Loans for Larger Purchases
  • Low Down Payment Options
  • FHA Loans
  • Loan Pre-Approvals and More

Email info@centralstatecu.org or call (209) 444-5300 for more information

HOME EQUITY OR 1ST MORTGAGE PAYMENT PROBLEMS?

Central State Credit Union understands that our members may occasionally suffer financial hardships. If your financial situation has made it difficult to maintain timely payments on your home equity or first mortgage loan with CSCU, we want to help you.

It is important to consider all of your options before risking the possible loss of your home to foreclosure. There are numerous solutions available and one of them may be right for you.

You may be eligible for:

  • Payment Deferment
  • Loan Modification
  • Pre-Foreclosure Sale (Short Sale)
  • Reduction of Interest Rate

We can help you get started with your financial review.

In order to determine the best possible way to assist you, we must review your financial situation. We will need the following to do so:

  • Your last pay stub or unemployment check stub.
  • Your last three account statements from your checking, savings, 401k and any other accounts you maintain.
  • The name and phone number of your listing agent (if applicable).
  • Signed copies of your last 2 years tax returns, including all schedules.
  • Copies or a list of all regular monthly bills.
  • An estimate of other regular expenses.
  • A list of items owned free and clear: examples include vehicles 10 years or newer.
  • A letter explaining the details of your current situation and hardship.

Once you've gathered the above information, please call us at (800) 675-5114 and ask to speak to a Mortgage/Home Equity Financial Assistance Representative.

The Department of Housing and Urban Development offers counseling for homeowners whose mortgage loans have become delinquent. This counseling could help you avoid foreclosure and you are urged to seek it. The Department of Housing and Urban Development can be reached at (800) 569-4287 or TTY (800) 877-8339.

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