How to Avoid Foreclosure

If you find yourself in a situation where you are unable to afford your Qualstar mortgage or home equity payments, but want to avoid foreclosure, we can assist you with finding solutions, depending on the type of loan you have.

  • We may be able to refinance your loan, extending the repayment period, and/or reducing the interest, which would lower the payments.
  • We may be able to modify your original loan, to make your payments more affordable.
  • We 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/home equity loan in full. If your home’s value is less than your outstanding loan balance, we may be able to accept less money than you owe and create a re-payment plan for the remaining balance due.

To modify your original loan, please complete a Loan Modification Application.

If you find yourself in a financial hardship with the possibility of not being able to pay your mortgage, please don’t wait to contact us at 1-800-848-0018.

Servicemen Civil Relief Act (SCRA) Notice

*You may also contact the Housing and Urban Development (HUD) at 800-569-4287 to find a HUD certified housing counseling agency and the Washington State Department of Financial Institutions at 877-894-4663 to find a certified housing counseling agency.