Everyone goes through challenging times. By working together, you may have options to avoid foreclosure.

Call Us Today

Toll free: (800) 586-6968
Hours (all times Pacific): Mon - Fri 8 am - 5 pm

Please be prepared to discuss household income and expenses.
You should collect and be prepared to fax or mail one or more of the following items to North Island:

• Last statement from all other Mortgagees, i.e., 1st Trust Deed, 2nd Trust Deed, etc., excluding North Island
• Current evidence of acceptable insurance coverage
• Amount of any delinquent State or Federal Income Tax
• Amount of any delinquent Homeowners Association Fees
• Year to Date Income verification, paycheck stub or income tax returns if self employed
• Lease / Rental Agreement if property is not Owner Occupied

Alternative Payment Options

Here are some of the possible solutions we offer:

• Loan Modification - Modify your payment with changes to term, interest rate, or collection of past due interest, principal and/or escrow amounts
• Refinance - Extension of credit to payoff other existing credit obligations
• Short Sale - Allows you to sell your home to pay off the mortgage if you are unable to maintain payments, even if the home's market value is less than the total amount owed

Credit Counseling

The Island can be your starting point of credit counseling. The Department of Housing and Urban Development (or HUD) is a U.S. government agency that increases home ownership and supports home buyers. HUD offers free or low-cost counseling throughout the country. To find the nearest HUD-certified housing counseling agency in your area, call (800) 569-4287, TTY (800) 877-8339, or visit www.hud.gov.

Auto Loans & Island Lines of Credit

If you are having difficulty making payment on an auto loan or Island line of credit, please call us toll free at (800) 848-5654, option 5. Hours (all times Pacific): Mon - Fri 8 am - 6 pm, Saturday 9 am - 1 pm.