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Financial Hardship Assistance

Assistance to members having difficulties with their Star One mortgage payments and wanting to avoid foreclosure

Member Mortgage Assistance Program (MMAP)

Star One Credit Union's MMAP is available to members that are having difficulties with their Star One mortgage payments and want to avoid foreclosure. The same assistance is also available for consumer loans.

We may be able to provide temporary assistance that will keep you in your home. We may be able to help you by:

  • Reviewing different plans
  • Modifying your interest rate
  • Modifying your monthly payment

We will need information on your current financial situation before we can discuss possible solutions. Examples of the information we typically require are as follows:

  • A letter describing your hardship *
  • Proof of income for all members of the household (pay stubs or income tax return or retirement or social security benefits statement
  • A current loan application
  • Current bank statements
  • Proof that you completed a telephone financial fitness program with our debt counseling company, Balance.

To get started, all you need to do is call us.

* The letter should describe the circumstances that caused your income to be reduced (job loss, illness, divorce, etc.). Please note that a loss of equity alone is not considered a hardship under the assistance program.

 

Keep Your Home California Program

Star One is a participating lender in the California state-run mortgage payment assistance program, "Keep Your Home California." This program is designed to help low and moderate income homeowners retain their homes if they have suffered a financial hardship. You can find out if you are eligible for the program by calling the California state agency at (888) 954-KEEP (5337) or you can get more information and apply through their website at www.KeepYourHomeCalifornia.org.


Other Resources

For other resources you may contact the U.S. Department of Housing and Urban Development (HUD) to find a HUD-certified housing agency. Please call (800) 569-4287 or visit the HUD website at www.hud.gov for additional information