Mortgage Payment Challenges

We understand the past year has been financially difficult for many people due to the economy. Our goal is to provide members, who are dealing with legitimate hardships, solutions so they may stay in their homes and get back on the right track financially. We’ve dedicated this section of our Web site to help you better understand the options available to you.

Loan Modification programs have been created to help those in danger of foreclosure. We’ve provided proactive steps you can take in order to expedite the process. Our mission is to keep our lines of communication open so you get the help you need and answers your questions. If you need help understanding some of the frequently used terms related to this topic, please check out our glossary.

During these difficult times, We’re Here for You.

What qualifies as a hardship?
The definition of hardship may be different depending on who you ask. However the government clearly defines hardship as a documented life event that has forced you to deplete all of your finances leaving you unable to make your mortgage payment. As long as you’ve proven legitimate hardship, you may be able to qualify for a loan modification and prevent foreclosure.


Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union