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	or Call: 800-856-7905

Residential Lending: Loan Modification

ATTENTION HOMEOWNERS
If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the "workout." You may also qualify to refinance your current loan with us.

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including the following: your most recent paystub, list of current monthly expenses, your most recent tax returns, bank statements, a current valuation of your property, if available (such as an appraisal) and a completed First California Bank Personal Financial Statement.

If you would like to discuss your options to avoiding foreclosure with us, please call
First California Bank at: (800) 856-7905.

You may also contact the Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency by calling (866) 784-2227. Additional information is made available by HUD on its website at http://www.hud.gov.

In addition, the following HUD offices may be available to assist you.