Skip to main content Skip to site map
  • Overcoming Payment Challenges

    Are you experiencing financial difficulty with your Tech CU real estate loan? We want to help. If you are struggling with your monthly mortgage payments or have already missed a payment, now is the time to take action.

    For assistance, please call:

    • The Special Assets Group at (800) 649-3721
      Monday – Friday: 8 am – 6 pm
    • E-mail us for more detailed assistance.

    In order to assist you we will need to talk with you about your financial situation and what you can reasonably pay on your loan. If you are requesting assistance with a first mortgage, please complete the Making Home Affordable Program (MHAP) request and 4506T-EZ form. If you are requesting assistance with a 2nd mortgage or home equity line of credit, please complete the Mortgage Modification Application. Also, please provide the following documents:

    • 2 most recent pay stubs
    • Most recent tax returns
    • Lease/rental agreement if the property is not owner occupied
    • Mortgage statement from other lien holder
    • Evidence of current homeowner insurance
    • Two (2) most recent bank statements (Non-Tech CU accounts)

    You can return all the documents to a Tech CU branch, send via secured email, or mail to:

    Technology Credit Union
    Attn: Special Assets Group
    2010 N. 1st Street, Ste 206
    San Jose, CA 95131


    In Case of Errors in Servicing Your Mortgage Loan and Requests for Information.

    If you believe there has been an error in the servicing of you loan, please contact:

    Technology Credit Union
    Attention: Note Department 
    P.O. Box 1409
    San Jose, CA 95109-1409

    Or, you may call (408) 437-3782 or write In your inquiry, tell us your name, address, day time phone number and mortgage account number, and provide as clear an explanation as you can of why you believe there is an error. Inquiries will be acknowledged within five days of receipt. If your error claim involves an untimely payoff statement request, we will respond within seven days. Responses to most inquires will be completed within 30 days of receipt. We will either:

    • correct the error and provide a written explanation of our corrective action;
    • provide you with a written explanation of why we believe there was no error; or
    • explain why we determined that an error different from, or in addition to the error you asserted, occurred, and describe the steps we have taken to correct it.

    If we will take more than 30 days to complete our investigation, we will notify you, and the investigation will in all cases be complete within 45 days of receipt of your inquiry. We may ask you to provide additional information in support of your error claim. If you ask, we will provide you, free of charge, with copies of the documents on which we relied in investigating your claim.

    If you wish to submit a qualified information request regarding your mortgage loan, please submit it in writing to:

    Technology Credit Union
    Attention: Note Department 
    P.O. Box 1409 
    San Jose, CA 95109-1409

    Or, you may call (408) 437-3782 or write In your inquiry, tell us your name, address, day time phone number and mortgage account number. We will acknowledge your request within five business days of receipt.

    If your request is for the name and contact information for the current owner or assignee of your mortgage loan, we will respond within ten business days. Other request will be acted upon within 30 days of receipt. If we need more time to respond, we will notify you in writing and may take up to 45 days from the date of receipt to respond to your request. We will either

    • Provide the information you requested or;
    • Explain to you why we are unable to provide, or decline to provide, the requested information.

    "For help exploring your options, the Federal government provides contact information for housing counselors, which you can access by contacting the Consumer Financial Protection Bureau at or the Department of Housing and Urban Development, toll-free, at (800) 567-4287."

    The Homeowner’s HOPE Hotline provides free, comprehensive foreclosure assistance and housing counseling services around-the clock at (888) 995-HOPE (4673), 24 hours a day, 7 days a week, 365 days a year, in over 170 languages.


Why Tech CU?

whytechcu Why Tech CU Video (2:23 mins.)

More than fifty years ago, forward-thinking high-tech employees at Fairchild Semiconductor knew there was a better way to bank.

Watch now »