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Mortgage Assistance Program

COVID-19 MORTGAGE RELIEF

 Thank you for contacting Heritage Financial Credit Union about your mortgage. 


What is a Forbearance Plan?

 A forbearance plan is an agreement that allows borrowers experiencing a temporary hardship to make a reduced mortgage payment during the plan’s term. We can offer up to three months as the term of this forbearance plan. 






For Mortgage Assistance, please:


Step 1: Download the 'Mortgage Assistance Hardship Form' below

Step 2: Fill out the Application and save it on your computer

Step 3: Upload the Application in the form below


Once this application is submitted, we will Docusign the form back to you. If there is a joint borrower an e-signature is required to move forward with the application. Instructions to retrieve the Docusign will be provided when the application is Docusign back to them.  

 Additional Forbearance Plan Information and Legal Notices

Credit Reporting:

• We will not be reporting the delinquency status or the entry into a forbearance plan to credit reporting agencies during the term of the forbearance plan.

• CREDIT REPORTING AGENCIES MAY CONSIDER WHETHER THERE IS AN INCREASED CREDIT RISK DUE TO THE LACK OF REPORTING. WE ARE UNCERTAIN AS TO THE IMPACT ON YOUR CREDIT SCORE, PARTICULARLY IF YOU ARE CURRENT ON YOUR MORTGAGE OR OTHERWISE HAVE A GOOD CREDIT SCORE.


We will not refer your mortgage to foreclosure or proceed to foreclosure sale during this forbearance plan, provided you are complying with its terms:

• Any pending foreclosure action or proceeding that has been suspended may be resumed if you do not follow the terms of the forbearance plan.

• This forbearance plan offer is contingent on your having provided us with accurate and complete information. We reserve the right to revoke this offer or terminate the forbearance plan following your acceptance if we learn of information that would make you ineligible.

• We will hold the forbearance plan payments in an account until it contains sufficient funds to pay your oldest past due monthly payment. Unless required by applicable law, there will be no interest paid on the funds in the account. If any funds are in the account at the end of the forbearance plan, those funds will be applied to your mortgage in accordance with your mortgage documents.

• Our acceptance of any payment you make during the forbearance plan does not waive our right to require immediate payment in full of all amounts you owe on your mortgage, including the right to resume or continue foreclosure action if you fail to comply with the terms of the plan. Entering a forbearance plan does not mean that your mortgage will be considered current.


Your current mortgage documents remain in effect; however, we will not pursue foreclosure if you make the temporarily reduced payments under the forbearance plan.

• All the terms of your current mortgage documents remain in effect during the term of the forbearance plan. Nothing in the forbearance plan shall be understood to be a satisfaction or release in whole or in part of your obligations contained in the mortgage documents.



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