Loan Modifications


A Loan Modification is a permanent change in one or more of the terms your loan, and results in a lower monthly payment. Examples include a reduction in your rate or an extension of your loan term. A loan modification is not a reduction in principal.

If you are experiencing a hardship and would like to be considered for a loan modification, download and complete our Loan Modification forms found below, including the Uniform Borrower Assistance Form (UBAF), and fax all pages to (602) 634-2993. Please keep in mind during periods of heavy volume the response time may take several weeks.



Have more questions? Check out our FAQs to learn answers to our members’ most commonly asked questions.

If you aren’t experiencing a hardship and would like to lower your interest rate, you may be eligible to refinance your loan. For more information about refinancing your mortgage, apply online or speak with one of our mortgage experts.


Need additional assistance?

If you have already submitted your request for a foreclosure prevention alterative and are not satisfied with the outcome, your case can be re-evaluated by our escalations team.  Contact us via email at or by phone at 602-335-5676 or 1-800-456-9171 (x35676).  Please provide your name and account number, as well as any new information to be considered.  A member of our team will contact you within 3 business days to confirm receipt of your inquiry and obtain additional information, if needed.   Your case will be re-evaluated and resolved within 15 business days. 

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