We are here to help
The following are some options which may be available to avoid foreclosure, depending on your circumstances: temporary forbearance, loan modification, refinancing or deed in lieu of foreclosure. For information about these options, please call us for assistance immediately at 1-800-603-9342 and ask for the Loan Servicing Department.

Information you will need
To prepare yourself to speak with North Cascades National Bank or a housing counseling agency, assemble the following documentation:

• Two most recent paystubs, or documentation of other monthly income such as social security
• A copy of your most recent tax returns
• Proof of owner-occupancy (copy of a recent telephone bill or other utility bill)
• A current mortgage payment statement
• Information about assets
• Information about any subordinate lien mortgages on your home
• Account balances, line limits (if any) and required payments for all debts
• A letter describing why your mortgage is unaffordable (e.g., why your income is reduced or expenses are increased)

Additional information
The State of Washington’s Department of Financial Institutions has created an informative website especially dedicated to helping citizens of Washington who are facing foreclosure. You can find it on the DFI’s web site.

The website provides the following important information:

• HUD’s toll free number that you can call to obtain a list of local HUD-approved housing counselors is 1-800-569-4287
• The Department of Financial Institutions’ referral number for housing counselors, or other legal assistance is 1-877-894-HOME (4663)
• The number for the Northwest Justice Project that services low-income persons and persons age 60 and older is 1-800-997-8944 (weekdays between 2 and 4:30 p.m.)