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Routing Number: 325181248

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Avoiding Foreclosure

Unable to afford your mortgage payments, but want to avoid foreclosure? There are many options that may be available to you.

  • You may be able to refinance your loan, extending the repayment period and/or reduce the interest rate, thereby lowering the payments.
  • Gesa Credit Union may be able to modify your loan, to make your payments more affordable. You may be able to surrender the deed to your house voluntarily, to avoid the foreclosure process.
  • Gesa Credit Union may be able to provide you with special forbearance, in light of your current circumstances.
  • You may be able to sell your home and repay your mortgage in its entirety. If your home’s value is less than your outstanding loan balance, Gesa Credit Union may be willing to accept less money than you owe as full payment (a short sale).

To explore any (or all) of these options, contact Gesa Credit Union at (888) 946-4372. This is a toll free call.

In order for us to evaluate your eligibility for these options we must review some documents. Please prepare the following documents for our conversation:

  • Recent pay stubs (or other proof of income, such as SSI payments or retirement income)
  • Recent statements from all bank or credit union accounts
  • Tax return and all supporting documentation
  • Property tax statement
  • Hardship letter explaining why you are unable to make your payments
  • List of monthly expenses
  • You may be required to provide additional documentation of your expenses

To contact Gesa Credit Union regarding your mortgage loan, call: (888) 946-4372.

Washington’s Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at (877) 894-4663 (that’s 877.894.HOME).

The office of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at (800) 569-4287.

As a Gesa Credit Union member, you also have access to BALANCE Financial Fitness, absolutely free. To contact BALANCE for financial counseling, call (888) 456-2227.

Routing Number: 325181248
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Gesa Credit Union
51 Gage Blvd. Richland, WA 99352

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325181248

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51 Gage Blvd.
Richland, WA 99352

(888) 946-4372

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We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

  • Social Security Number (SSN)
  • Color copy of driver's license, state ID, or US Passport
  • Contact info
  • Opening deposit by debit card or e-transfer*
    *Credit cards are not accepted.
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Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

* * * * *