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Loan Hardship Assistance

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Meriwest Credit Union Hardship Assistance Team

Meriwest Credit Union's Hardship Assistance Team ("HAT") is available to provide assistance to members who are experiencing financial difficulty with their Meriwest consumer and real estate loans and wish to avoid foreclosure. We will make every effort to assist you with your loan and avoid foreclosure, including arranging a loan modification.

For assistance, please call:

  • First Mortgage Loans: Meriwest Mortgage at 800-364-6636, Option 2
  • All other Real Estate Loans: Meriwest HAT at 877-MERIWEST (877-637-4937) Ext 3403

CLICK HERE TO VIEW: The Meriwest Hardship Program document (pdf) with more information about our short-term and long-term assistance programs in addition to qualifying requirements.

Please have these documents ready when calling for assistance:

  • Mortgage statements from all lien holders
  • Foreclosure notices received
  • List of current debts
  • Proof of income
  • List of outgoing expenses
  • Property insurance declaration page
  • Property tax status


If you have a mortgage that is not with Meriwest but in the City of San Jose or the City of Sunnyvale, you can contact ForeclosureHelp* for assistance at:

If you would like to contact the U.S. Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency, please call 800-569-4287 or visit the HUD website at

*ForeclosureHelp is a City of San José Housing Department program. The program is designed to provide information and referral services to assist families impacted by foreclosure and to help them navigate through the foreclosure process. Services are provided to San José Metropolitan area residents and include prevention, intervention and family re-stabilization. This is a NO fees for services organization.

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You can also call us at 877-MERIWEST (877) 637-4937

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