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Routing Number: 263181384

Hardship Workout Loan Program

The help you need to get back on track with your finances.

What is a Hardship Workout Program?

It is an effective tool to assist borrowers struggling to meet their payment obligations. Hardship Workout Programs help borrowers overcome temporary financial difficulties.

Do I continue to make payments while my application is being reviewed?

Yes, please note that your pending application does not affect your obligation to make your payments as they come due.

Get Started

Contact us at 800-771-9411 or LoanHelp@AdditionFi.com for questions about the Hardship Workout Loan Program or complete the form to get started.

Housing Counselor Information

If you would like counseling or assistance, a list of homeownership counselors or counseling organizations in your area can be found at consumerfinance.gov/mortgagehelp or you may call the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287.

InCharge Debt Solutions

Addition Financial has partnered with InCharge Debt Solutions to bring you free counseling, debt relief programs and financial education. As a member of Additional Financial, you have access to free counseling, debt management programs that can lower your credit card interest rates to as low as 0%, pre-purchase programs to make your homeownership dreams come true, and more.

What is InCharge Debt Solutions?

InCharge is an Orlando-based nonprofit organization dedicated to building resilient individuals, families and communities with innovative financial solutions and education. InCharge has helped clients pay off more than $3 billion in credit card debt with programs that reduce interest rates and consolidate payments.

 

Free budget and credit counseling helps you save money on your monthly expenses. Find out where you’re overspending and how to find areas to reduce your spending so there’s enough left over to pay down your debt and save. Our certified counselors will also evaluate your finances and discuss your options to help lower your interest rates and monthly payment.

  • Helps you find major savings
  • See where you are overspending
  • Review your credit report
  • Review your debt situation
  • Online or over-the-phone

Your credit report is more than just a score. It contains what your creditors say about you and about the way the way you handle money. That is why it makes sense to review your credit report at least once a year and then take steps to ensure accuracy. Your credit report determines your indebtedness and your bill paying habits which affects your overall credit score.

  • Learn what factors drive your credit score
  • Learn how to improve your credit score
  • Learn how to get control of your credit
  • Create an action plan

InCharge Debt Management Programs can help you pay off your high-interest credit card debt. 

  • Reduce interest rates to as low as 0%
  • One consolidated monthly payment
  • Affordable monthly payments
  • Credit score – not a factor
  • Become debt free faster
Our certified counselors will work with you and advise you on what you can afford, explain mortgage terms, the importance of home inspections and what to expect during closing. Our in-person and online workshops will help you learn the steps in the home buying process.
  • Determine when to purchase a home
  • Qualify for down payment assistance
  • HUD-approved
  • Work one-on-one with our counselors
  • Help you become mortgage ready
  • In-person home buyer education workshops

Get Started With InCharge Debt Solutions

Addition Financial members can get started today by calling InCharge Debt Solutions toll-free number at 800-403-0032.

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