Having Financial or Payment Difficulties?

We know that life can be unpredictable with unexpected challenges – such as loss of employment or medical problems. Sometimes finding the money to pay your mortgage can be difficult. It is very important to contact us when you run into these difficulties. Our goal is to help you before it becomes too late to avoid foreclosure.

The earlier you contact us, the easier it is for us to help you. For Mortgage and Home Equity, please call 1-800-748-6470 to discuss any of the following options:

• Payment plan options
• Modify your rate
• Modify your payment

To enable us assist you better when you call, be prepared to discuss your household income and expenses. In addition, be ready to mail or fax the following items to us:

• Proof of income for contributing household members (e.g. pay stubs, 1099)
• List of monthly expenses (e.g. credit card, utilities)
• Current bank statements (all account)

Address and number to mail or fax the above documents:
United Commercial Bank
711 Van Ness Avenue, Suite #270
San Francisco, CA 94102
Fax: 415-929-6817

You may contact the Department of Housing and Urban Development (HUD) at toll free number
1-800-569-4287. HUD helps people of low- and mid-level incomes acquire loan to purchase housing. HUD also offers extensive counseling services to homeowners. A network exists through HUD of organizations which address a wide range of key educational issues relating to home ownership. To learn more about HUD, please log on to http://www.hud.gov/foreclosure/