We're currently conducting maintenance on our Lending System — we sincerely apologize for any temporary inconvenience. If this maintenance impacts you, please call us at (509) 378-3100, so we can best serve your financial needs.
Avoiding Foreclosure
Unable to afford your mortgage payments, but want to avoid foreclosure? There are many options that may be available to you.
- You may be able to refinance your loan, extending the repayment period and/or reduce the interest rate, thereby lowering the payments.
- Gesa Credit Union may be able to modify your loan, to make your payments more affordable. You may be able to surrender the deed to your house voluntarily, to avoid the foreclosure process.
- Gesa Credit Union may be able to provide you with special forbearance, in light of your current circumstances.
- You may be able to sell your home and repay your mortgage in its entirety. If your home’s value is less than your outstanding loan balance, Gesa Credit Union may be willing to accept less money than you owe as full payment (a short sale).
To explore any (or all) of these options, contact Gesa Credit Union at (888) 946-4372. This is a toll free call.
In order for us to evaluate your eligibility for these options we must review some documents. Please prepare the following documents for our conversation:
- Recent pay stubs (or other proof of income, such as SSI payments or retirement income)
- Recent statements from all bank or credit union accounts
- Tax return and all supporting documentation
- Property tax statement
- Hardship letter explaining why you are unable to make your payments
- List of monthly expenses
- You may be required to provide additional documentation of your expenses
To contact Gesa Credit Union regarding your mortgage loan, call:Â (888) 946-4372.
Washington’s Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at (877) 894-4663 (that’s 877.894.HOME).
The office of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at (800) 569-4287.
As a Gesa Credit Union member, you also have access to BALANCE Financial Fitness, absolutely free. To contact BALANCE for financial counseling, call (888) 456-2227.
We use cookies on this site to enhance your user experience. For more information, please see our Privacy Policy.
Banking
Menu
Loans
Menu
Investing
Menu
Business Banking
Menu
About Gesa
Menu
Menu
Federally insured by NCUA –  Equal Housing Opportunity Lender – Co-op Shared Branch
If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (888) 946-4372 for assistance.
© Gesa Credit Union. All Rights Reserved
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
(888) 946-4372
© Gesa Credit Union. All Rights Reserved
You are leaving gesa.com
We are redirecting you to an external website
You are being redirected to a site that is not operated by Gesa Credit Union. Gesa is not responsible for the content of the site, nor does Gesa represent the site or the Gesa member if the member decides to act upon or enter into a transaction with the site.
Privacy and security policies of the site may differ from those of Gesa Credit Union.
Help when you need it.
Gesa makes banking as easy, convenient and secure as possible.
Resources
Menu
Quick Links
Menu
People helping people.
Gesa credit union is committed to making a positive impact in the communities we serve.
In the Community
Menu
About Gesa
Menu
Affinity debit cards give back to your community when you swipe.
We're in the business of growing yours.
We have the accounts, products, and services to help you and your small business succeed.
Menu
Business Visa:
A low-rate card made for business owners.
Banking made for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Menu
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Notes & Fees Glossary
Disclaimer | |
---|---|
*APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
SmartPlus Checking | *To earn the higher rate, you must:
|