DIFFICULTY MAKING PAYMENTS?

For Our Mortgage and Home Equity Customers
As part of Lakeside Financial, Inc.'s ongoing commitment to our customers, we want you to know that we are here to help. We understand that circumstances and unexpected events can challenge anyone's budget. If you have a home loan with Lakeside Financial, Inc. and find yourself in a difficult situation, please call us to discuss the various options that may be available to you.

Let Us Help You – Call Today

When you call, please have the following information available. Also fill out our Loan_workout application.pdf and fax it to 949-768-6363:

ü      Your loan number and or loan statement

ü      Your total monthly income*

ü      A list of all of your financial obligations

ü      Reason for late or missed payment(s)

Call us collect today: 949-768-1773

Prevent Foreclosure
We want to help you stay in your home. Let's work together to see if we can find a solution based on your situation and product. Here are some of the alternatives to foreclosure that our loan specialists may be able to discuss with you.

• Arrange to repay the amount that is past due over a period of time.
• Change the original rate, term, or payment of your loan.
• Sell your property so that a new buyer may be allowed to take over your loan payments.
• Sell your property and pay off your loan for less than the total amount due.

Based upon your product, and individual circumstances, some options may not be available to you.

Start Right Now
The sooner you call us, the more options you may have available to you. Call us collect today@ 949-768-1773 and let us work with you to find ways to help you with your individual situation.

Find a Credit Counselor
Housing and Urban Development (HUD) offers lists of certified counseling agencies available to homeowners and home buyers. To find a HUD-certified housing agency in your area, please call (800) 569-4287.

All loans and lines of credit are subject to credit approval, verification and collateral evaluation and are originated by Lakeside Financial, Inc. Products are not available in all areas and are subject to change without notice. Certain restrictions apply.

* Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation

Please be advised that Lakeside Financial, Inc. may be attempting to collect a debt. If you are currently in bankruptcy or your debt has been discharged in bankruptcy, Lakeside Financial, Inc. is only exercising its rights against the property and is not attempting to hold you personally liable on the Note.