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Loan Repayment Assistance & Foreclosure Prevention

Getting behind on payments or having trouble making payments can be scary

Remember that you are not alone. There are steps you can take to get back on solid ground and you may have more choices than you think!


SFCU Support

The place to start is to connect with SFCU as soon as possible. We can help you assess your situation and provide options that work best for you.


GreenPath Financial Counseling

We have partnered with the trusted national nonprofit GreenPath Wellness who can help by providing counseling and support.


Loan Forbearance

Looking for short term solutions? A loan forbearance can include deferred payments or interest only payments.

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Loan Modification

Need a longer term solution? You may be able to update the terms of your original loan, including length, loan amount, or interest rate to reduce your monthly payment and make it more affordable.

Variety of Options

Choose the option that best fits your goals and needs

SFCU offers a variety of options to suit your needs. Choose the option that's the best fit for your goals:

• GreenPath Certified Housing Experts
• Mortgage Forbearance Agreement
• Loan Modification Agreement

You may have more options than you think!

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Home Repair & Rehabilitation

The Impact Project

SFCU has partnered with The Impact Project to support community members in Chenango, Delaware & Otsego counties:

The Impact Project has two primary target populations:
• Families at or below the Federal Poverty Guidelines - Can qualify for no cost repairs/updates
• Families in A.L.I.C.E. (Asset Limited, Income Constrained Employed) who reside in one of the above counties may qualify a 0.50% interest loan.

Expert Support

GreenPath Certified Counselors

At SFCU, we want you to make the best choice for your family, budget, and goals. The financial professionals at GreenPath are standing by to answer all your questions to help you choose the option that works best for you. During your confidential sessions with a GreenPath certified expert, you have the opportunity to be proactive, learn more about your finances, put a plan in place, and access valuable resources.

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Excellent service from all branches, ease of transactions, convenience and locations, friendly staff, low loan rates

— Christine D

How it works

Contact us to begin discussing your options!

  • 1

    Contact us

    Call or email us to learn about the various options.

  • 2

    Complete a request & speak with a SFCU Member Service Representative

    Determine the program that best fits your needs.

  • 3

    Feel better

    We'll work with you to implement the solution.

Discuss Your Options


Have a question? Get in touch with us

Make your budget work for you

Getting behind on a loan is never fun, but the friendly experts at SFCU are here to help. We offer a variety of Loan Repayment Assistance options to help you more easily pay off your mortgage and get back on track.