If you are having difficulty making your payments on an American AgCredit loan secured by the home in which you reside, please contact your loan officer to discuss options to help you protect the personal and financial investment you have in your home. Your loan officer may be reached by calling your local branch directly or by calling 800-800-4865 Monday – Friday, 8:00 am – 5:00 p.m. PT. You may also wish to find a HUD-approved Credit Counseling agency by telephone at 800-569-4287.
Depending on your individual circumstances, we may be able to work out a loan restructure that can help you get out of default and stay out of default. Some options include (a) a revised repayment plan that distributes delinquent payments over a set period of time, (b) a revised repayment plan that capitalizes interest and re-amortizes the loan, or (c) a short forbearance period during which reduced payments will be accepted while you convert illiquid assets to cash to bring the loan current. We’ll help you to assess your financial situation to determine which option is right for you.
To apply for a rstructure of your loan, please download and complete this restructure application and return it to your loan officer, with copies of the supporting documentatation as requested in the form.