If you have an existing mortgage loan with Mid Valley Financial, Inc. and are unable to make your monthly payments, there may be options for you to avoid losing your property in foreclosure.  Such options may include refinancing your home, selling it, restructuring your loan to lower your monthly payments, or a catch-up plan. These are only some of the options that might be available, if you qualify.

To find out what options, if any, might be available to you under your specific circumstances, you should contact Mid Valley Financial loan servicing department at (855) 212-5732 between the hours of 8:30 AM and 5:00 PM, Monday through Friday, or by writing to Mid Valley Financial, Inc., 7644 N. Palm Avenue  Fresno, CA  93711, Attn: Loan Department.  We will make every effort to schedule a meeting at your convenience, either by telephone or in person, to discuss your account and explore your options.

Be prepared to provide specific details about your financial situation, including current income and employment information, copies of pay stubs, tax returns and bank statements.  If your home is listed for sale, please provide a copy of your listing agreement and/or written purchase offer(s).  If you have recently had your home appraised, please provide a copy of your appraisal.

The toll-free number made available by the United States Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency is 1(800) 569-4287 or TTY/TDD 1(800) 877-8339.  You may find other useful consumer information on foreclosure alternatives on the HUD website at http://www.hud.gov/foreclosure/ including an article on “Tips for Avoiding Foreclosure”.

While there is no guarantee that there is a foreclosure alternative that will work for you, we prefer to discuss foreclosure alternatives with borrowers whenever possible.  If you would like to discuss your loan or set up a meeting for us to assess your financial situation and to explore options that may be available to avoid foreclosure, please call us immediately during our business hours, 8:30 AM to 5:00 PM, Monday through Friday at (888) 891-8221.