1st Century Bank offers mortgage assistance programs designed to support homeowners navigating financial challenges. Eligibility for these programs is determined by several factors, including the type of loan, the number of missed payments and the borrower’s ability to meet future mortgage obligations. If you are experiencing difficulties making your mortgage payments, we encourage you to review the information below or contact your Private Banker.
Mortgage Assistance Options
Home Retention Options
- Payment Deferral
- Loan Modification
Non-Home Retention Options
- Short Sale
For a complete list of the documents you should collect and be prepared to submit, please see pages 3-5 of the Mortgage Assistance Application. Please contact your Private Banker for more information and to submit an application.
*Please note 1st Century bank is a division of MidFirst Bank and Mortgage Assistance is managed by MidFirst Bank.
State Assistance Programs
We recommend you explore the following opportunities for assistance.
U.S. Treasury's State Assistance
The U.S. Treasury provided states with funds to help qualifying homeowners struggling to make monthly mortgage payments and who may be at risk of losing their homes. The funds are provided to homeowners by their state housing agency. Go to the U.S. Department of the Treasury website to find out more.
Talk to a HUD-Approved Housing Counselor
A HUD-approved housing counselor can help you find federal, state and local homeowner assistance programs, show you ways to manage your money, and help you plan to get out of debt. To locate a housing counselor near you, please call HUD at 800.569.4287 or go to the HUD website.
Contact Us
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Weekdays: 9 a.m. - 4 p.m. PT