We understand that financial hardships happen. If you’re having trouble keeping on top of your Home Equity or First Mortgage Loan with Golden 1, we may be able to help.
Before becoming the victim of a foreclosure and losing your home, we can help you with a financial review that will assess your current financial situation and come up with a plan that's best suited for you.
You may be eligible for:
How to get your financial review started
In order to develop a plan to fit your needs, we first need to understand and review your financial situation.
Contact Golden 1 to speak to a Loss Mitigation Representative.
When you speak to our Loss Mitigation Representative, they’ll send you a packet of information to fill out.
If you’d like to get started now, please download the Request Form Packet and return the completed packet by fax at 916-288-6850 or email: Lossmitigation@golden1.com.
Once our Foreclosure Prevention Case Escalation Unit receives your packet, they will take approximately three business days to confirm receipt, then approximately 15 business days to provide a resolution.
Be sure to include your loan number and last name with your submission.
*Status updates on ongoing foreclosure prevention options should not be sent to this unit. If you have any questions regarding the status of your loss mitigation review, please contact our Loss Mitigation Department at 1-888-395-3997.
The Department of Housing and Urban Development offers counseling for homeowners whose mortgage loans have become delinquent. This counseling could help you avoid foreclosure, and you are urged to seek it. The Department of Housing and Urban Development can be reached at 1-800-569-4287 or TDD 1-800-877-8339.
The Home Affordable Foreclosure Alternatives (HAFA) program provides homeowners an alternative to resolve their mortgage debt and avoid foreclosure. If you are unable to qualify for a loan workout, you will have the ability to sell your home through a short sale if the amount you owe on your mortgage is more than the value of your home. Through the short sale you will be able to resolve this debt. Please see the HAFA Matrix for eligibility requirements.
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