Real estate loan modification

Individuals with a mortgage or home equity term loan through Everence may be eligible for loan modification. 

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Mortgage and home equity modification

Details for loan modification requests

Individuals can apply for a mortgage or home equity term loan modification using the form below. 

Please review the requirements and options before applying.


Borrowers must have been adversely impacted by COVID-19. Examples of adverse impact includes lost wages, unemployment, etc. 

Borrowers should have a recent pay-stub available when applying.


Possible loan modification options include:

  • Partial payment deferral
  • Full payment deferral

For up to 90 days.

Process and timing

Your request will be evaluated by a loan specialist. They will be in contact with you should additional information be necessary.

The expected turnaround time is one week. 


Everence Federal Credit Union, NMLS #403410