Existing borrowers experiencing financial difficulties should call us as soon as possible to discuss repayment options, which may include modifications of the term and monthly payment of your loan or line of credit.
Steps to take:
Contact us. Our toll-free number is 1.866.656.9600 or you can email us at servicing@nlaco.com.
Please provide your loan number and be prepared to discuss your income and expenses specifically.
You should collect together and be prepared to fax (503.885.9601) or mail:
Proof of income (pay stubs, tax returns)
Financial statement
Bank statements
Proof of property insurance
Proof of property tax payment
Residential borrowers may also wish to contact the Department of Housing and Urban Development (HUD), which offers free or low-cost counseling throughout the country. HUD may be reached toll-free at 1.800.569.4287
There are various other resources you may also contact for possible assistance or referrals. Below is a list of their phone numbers and websites:
OREGON RESIDENTS
Oregon State Bar Association
http://www.osbar.org
1-800-452-7636 or 503-684-3763
Legal Aid Programs
http://www.oregonlawhelp.org
Oregon Housing and Community Services
https://www.oregon.gov/ohcs/homeownership/pages/foreclosure-default-prevention.aspx
WASHINGTON RESIDENTS
Washington State Department of Financial Institutions
https://dfi.wa.gov/sites/default/files/publications/foreclosure-fairness-act-brochure.pdf
1-877-894-HOME (4663)
1-877-RING-DFI (746-4334)
Northwest Justice Project
http://www.nwjustice.org/
CLEAR line: 1-888-201-1014 (if in King County dial 211 or 1-800-621-4636)
For borrowers age 60 or over: 1-800-997-8944
Washington State Bar Association
https://www.wsba.org/
1-800-945-WSBA (9722)