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Financial Hardship Assistance

Assistance to members having difficulties with their housing payments.

Member Mortgage Assistance Program (MMAP)

Star One Credit Union's MMAP is available to members that are having difficulties with their Star One mortgage payments and want to avoid foreclosure. The same assistance is also available for consumer loans.

We may be able to provide temporary assistance that will keep you in your home. We may be able to help you by:

  • Reviewing different plans
  • Modifying your interest rate
  • Modifying your monthly payment

We will need information on your current financial situation before we can discuss possible solutions. Examples of the information we typically require are as follows:

  • A letter describing your hardship *
  • Proof of income for all members of the household (pay stubs or income tax return or retirement or social security benefits statement
  • A current loan application
  • Current bank statements
  • Proof that you completed a telephone financial fitness program with our debt counseling company, Balance.

To get started, all you need to do is call us.

* The letter should describe the circumstances that caused your income to be reduced (job loss, illness, divorce, etc.). Please note that a loss of equity alone is not considered a hardship under the assistance program.

Other Resources

For other resources you may contact the U.S. Department of Housing and Urban Development (HUD) to find a HUD-certified housing agency. Please call (800) 569-4287 or visit the HUD website at for additional information

California COVID-19 Rent Relief

The CA COVID-19 Rent Relief program provides financial assistance for rent and utilities to income-eligible California renters and their landlords who have been impacted by COVID-19—both for past-due and future payments.

Both renters and landlords can apply for assistance.

Learn more about CA COVID-19 Rent Relief.

California Mortgage Relief Program

Federal Homeowner Assistance Funds are available to help homeowners impacted by the pandemic get caught up on their housing payments. The program is absolutely free and the funds do not need to be repaid. The California Mortgage Relief Program is part of the state's Housing Is Key initiative. If you own a single-family home, condo or manufactured home, and faced financial hardship due to the pandemic, you might be eligible.

Follow the link below to learn more about the California Mortgage Relief Program, the eligibility requirements, and how to apply for relief.

Learn more about the CA Mortgage Relief Program.