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Coast Hills

How to Avoid Foreclosure

We understand that our members may occasionally experience challenges that make it difficult to meet their financial obligations. If you're facing difficulties making your payments, the best thing to do is call us as soon as possible!

Here for you

CoastHills Credit Union is committed to working with members experiencing financial difficulties impacting their CoastHills' mortgage(s). Our goal is your goal - to keep you in your home. We have options that may be available to help you during these difficult times.

  • Repayment Plan: Catch up with missed mortgage payments by creating a schedule for repaying the past-due amounts.
  • Loan Modification: Changing the terms of the mortgage to make payments more affordable.
  • Forbearance: Allowing reduced or suspended payments for a short period of time, after which another option will be agreed upon to bring the loan current.

Meet with us

Take action by meeting with us and coming up with a plan. Please contact us at (805) 733-7652 to schedule a meeting. You will need the following financial documents:

  • Most recent pay stubs
  • Most recent W-2 tax statement
  • Letter describing your financial difficulty and its impact on your financial situation
  • Written description of your income and expenses
  • Financial statement

Impact of foreclosure

The sooner you call us the more options you'll have to avoid the start of a foreclosure action on your property. A formal foreclosure will damage your credit rating, resulting in a negative impact on your ability to borrow money in the future.

Mobile Banking

Apple or Android, 
no judgement here.

Our iPhone and Android apps make mobile banking as easy as tapping your touchscreen. Use your smartphone or mobile device to stay on top of your finances - check balances, pay bills, set up alerts, transfer funds, even make remote deposits (it's as easy as taking a picture). The app is free and available at the Apple iTunes Store and Google Play

A nice way to say "hi" to your money. 

Relationship Rewards

Let's take our relationship
to the next level.

At CoastHills, we're in it for the long-haul. From financing your next car and home, to providing everything you need for quick and easy access to your money, we want to be the only financial institution you’ll need… from now to forever. Sound like a big goal? We’re ready to prove it with Relationship Rewards. It’s our way to say “thank you” for using CoastHills for all your financial services.   

Ready to take your membership to the next level?

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Real Estate Loan

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial decisions—buying or refinancing a home. And with many different ways to borrow, you’ll have a monthly payment that fits you like a comfy pair of socks. Learn more