Financial Education
Information and tools to help you make wise financial choices.
Financial Education
Home Ownership
COUNSELING NUMBERS
DFI Home Ownership Counseling: (877) 894-4663
HUD Counseling: (800) 569-4287
Civil Legal Aid: (888) 201-1014 outside King County or (877) 211.9724 in King County
You may contact the Department of Financial Institutions, the Washington State Bar Association, or the statewide civil legal aid hotline for possible assistance or referrals.
SELF HELP
This internet site is a community development lender and real estate developer that works with qualified individuals, organizations, and communities traditionally underserved by conventional markets.
HOME NOW PROJECT LIFELINE
This internet site helps homeowners by creating an alliance between large banks, counselors, services, and other critical industry supporting organizations with the sole purpose of trying to keep you in your home and to mediate any foreclosure threats. The Department of Treasury and HUD support this alliance to encourage responsible business practices and to help avoid further downturns in the housing market.
NEIGHBORHOOD ASSISTANCE
Fixed Rate Reduction Programs for Qualified Borrowers
Hope Hotline: (888) 895-HOPE (4673)
- Foreclosure prevention workshops
- Outreach efforts
- Community-based nonprofit organizations for at-risk borrowers
Washington State Dept of Financial Institutions - Foreclosures Help and Information
(877) 894-4863 or www.homeownership.wa.gov for a list of counselors in your area.
CASE ESCALATION
If your mortgage loan has been reviewed for one of the options listed above and you have any concerns about the process; or you want your case reviewed again, please call Lisa Roening at (360) 452-3883 x 6216.
Foreclosure Prevention Assistance
If you are experiencing difficulty making your monthly mortgage payments, we may be able to help you. There are a number of resources we can recommend for your specific circumstances. Please call us at (360) 452-3883 x 6216 to discuss your situation.
Foreclosure Alternatives
Forbearance: Make reduced or no mortgage payments for a specific period of time.
Modification: Receive modified mortgage terms to make it more affordable or manageable.
Refinance: Receive a new loan with a lower interest rate or other favorable terms.
Additional Resources
We want you to keep your home. Again, please call Strait View Credit Union at (360) 452-3883 x 6216 if you have any concerns about your mortgage payments.
Seeking Assistance
Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following:
The statewide foreclosure hotline recommended by the Housing Finance Commission:
Toll Free: (877) 894-HOME (877-894-4663)
www.dfi.wa.gov/consumers/homeownership
United States Department of Housing and Urban Development:
Toll Free: 800-589-4287
Local counseling agencies in Washington:
www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm
The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys:
Toll Free: 800-606-4819
www.nwjustice.org/what-clear
Protect Your Finances
There is much that you can do to be a more informed consumer and to make sure that the decisions you make today will serve you well tomorrow. The Office of Consumer Protection at NCUA offers consumers insight and education to maintain responsible financial affairs.
Helpful Links
Learn about the history of money, different currencies used around the world, the power of dividends, and how to be smart about preparing for your financial future with Pocket Cents from NCUA.