At ABE Federal Credit Union, we know that life’s challenges can sometimes affect your ability to keep up with your mortgage payments. If that happens, you’re not alone — and we’re here to help. Our Mortgage Modification Program offers options that may make payments more manageable and help you stay in your home with confidence.
Temporary Mortgage Modification
To apply for a temporary mortgage modification, you will need to provide details about your household income and expenses, along with a hardship request letter explaining your situation.
View Details on the Temporary Mortgage Modification Program
View the Hardship Requirements Letter
Required documents for submission:
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Hardship request letter describing your current situation.
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If recently laid off: supporting documents and unemployment application; or, if already receiving benefits, your last two unemployment payment stubs.
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If self-employed: copy of your last federal tax return, a year-to-date Profit and Loss Balance Sheet (listing assets and liabilities), and 12 months of business bank statements.
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Proof of current property insurance coverage.
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If delinquent on property taxes: amount owed.
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If delinquent on Homeowners Association fees: amount owed.
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A valid physical home address, email address, and phone number where we can reach you.
Please note: After we receive your hardship request, additional documentation may be required.
Contact ABE Federal Credit Union
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Local: 516-763-7511
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Hours (EST): Monday – Friday, 9am – 5pm
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NMLS ID: 615164
Important Consumer Notice
Avoid foreclosure rescue scams! Free resources are available to you:
HUD Certified Housing Counseling
The U.S. Department of Housing and Urban Development (HUD) offers free or low-cost counseling to homeowners across the country. Call toll-free: 800-569-4287