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Home Loans & Personal Loans

Solutions for every stage of life

Contact Us


Avoid Foreclosure

Home lending you can trust

If you are experiencing a financial hardship and finding it difficult to make your mortgage or home equity loan payment, Rabobank has options available that may be right for you.

Overcoming Financial Hardships

At Rabobank, we know that financial hardships can be overcome and that our customers can move beyond those problems and regain a solid financial footing. Rabobank also understands the personal and financial investment you have made in your home and we will work with you to identify options that will help you protect that investment.

Depending upon your current financial situation it may be possible for us to offer you one or more of the following programs, which will prevent the loss of your home through foreclosure and help maintain your credit rating:

What to do next

Call (855) 725-5560 for more information.

Be prepared to:

  • Help us assess your financial situation
  • Discuss your current financial situation/hardship
  • Provide basic information on your loan

Available Options

Program Description Advantages
Repayment Plan An agreement in which regular payments are made in addition to a portion of past due amounts. Designed to bring your loan current over a pre-determined period of time.
  • Allows you to bring your account current over a period of time, avoid foreclosure and prevent damage to your credit rating.
Forbearance Plan Suspends or reduces your monthly payments for a short period of time. During the forbearance period we will review your current financial situation and attempt to identify payment options that will assist you in bringing your loan current and allow you to retain ownership of your home.
  • Allows a temporary suspension and/or reduction in payments.
  • Provides an opportunity to evaluate various repayment options.
Loan Modification A program in which the original loan structure is modified. Modification may include reducing the interest rate, deferring principal and/or extending the term of the loan.
  • Provides for a more affordable payment structure.
Pre-foreclosure Sale Also known as a "short sale" allows you to sell your property for less than the total loan amount to avoid foreclosure and minimize the damage to your credit rating. Under this scenario the bank agrees to accept the lesser payment and the seller receives no money from the sale of the home.
  • Avoids foreclosure action and the associated legal process.
  • Reflects more positively on your credit rating than a foreclosure.
Deed in lieu of foreclosure Under certain circumstances, this option allows you to voluntarily deed your property to Rabobank and avoid foreclosure.
  • Avoids foreclosure action and the associated legal process.
  • Reflects more positive on your credit rating than a foreclosure.


If you would like to be considered for one of the options described above, contact us at (855) 725-5560 to speak with a Rabobank representative. Alternatively, you may prepare the following written documentation and submit to our Home Mortgage Modification Department at the address listed below:

  1. Financial Statement - complete and sign
  2. Attach evidence of the source and amount of income that is disclosed on the financial statement. Include your two (2) most recent pay stubs
  3. Lease/Rental agreement (if you are a landlord)
  4. Disability/Unemployment, Retirement and/or Social Security benefits with letter(s) and/or check stubs for any that apply
  5. Letter explaining the nature / type of hardship you are experiencing
  6. Tax Returns: two (2) most recent years - include all schedules and W-2's

If you are interested in exploring the Pre-foreclosure Sale (Short Sale) option, the following documentation will be required:

  1. Bank Statements: two (2) most recent months statements (checking, saving, mutual funds, etc.) for all accounts
  2. Junior Lien Holders: You must obtain releases from junior lien holders and/or negotiate settlements of amounts owing.
  3. Listing Agreement: copy of executed agreement
  4. Consent Form: signed/dated by all borrower(s) allowing Rabobank to communicate with your realtor or whom you have appointed as representation
  5. Purchase Contract: if an offer has been received a copy of the signed offer
  6. Estimated HUD1 Settlement Statement
  7. Marketing efforts: any documentation of marketing efforts
    (how long listed, what price(s), condition of property, etc.)

Please return the required information to:

Rabobank, N.A.
Attention: Home Mortgage Loan Modification Services
P.O. Box 6002
Camino Mercado Operations Center
Arroyo Grande, CA 93421

Upon receipt of this information, we will determine what assistance Rabobank may be able to offer you. It is important to understand that contacting our office will not suspend your obligation to make scheduled loan payments.

Housing and Urban Development (HUD) can help you too.

Rabobank wants to make you aware that HUD certified housing counseling agencies are available to assist you. You may call the HUD Nationwide toll free number (800) 569-4287 to obtain a list of HUD Approved Housing Counseling Agencies.

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