We work with our members to provide the assistance that is best for them.
Send us your information by filling in the application that suits your need and one of our Loss Mitigation Analysts will reach out to begin the process.
The Hardship Application lists out documents that you need to send for your specific hardship e.g. most recent pay stubs, bank statements etc. A complete application will help speed up your review and decision process.
Choose the best delivery option for you.
For Cards and Loans, leverage the upload feature available when you log in to your PenFed account OR email us at firstname.lastname@example.org. You could mail your documents to 2930 Eisenhower Ave, Alexandria VA 22314, OR fax to Consumer Credit Workouts at 866-298-2635.
For Home Loans, leverage our Member Portal* OR email us at email@example.com. You could mail your documents to Loss Mitigation, 6191 N State Highway 161, Suite 500, Irving, TX 75038, OR fax to Mortgage Loss Mitigation at 703-234-1009.
*First time users must register
We’ll review your hardship application within 5 business days of receiving it. We’ll reach out to you if there are missing documents, or if we need further information. Otherwise, your assigned point of contact will communicate a decision within 30 days via phone, email or mail. A fully laid out plan, explaining your options will be presented to you.
After receiving your options, you’ll have 14 days to make a decision on how you would like to proceed forward.
An assigned point of contact will follow up with you to review your plan and guide you through the next steps.
For Home Loan Loss Mitigation, call us @ 1-800-585-9055, choose menu Option #7.
For Cards and Loans, call Consumer Credit Workouts @ 1-800-247-5626.
The U.S. Department of Housing and Urban Development (HUD) sponsors non-profit housing counseling agencies throughout the country that can provide advice on defaults, foreclosures, credit issues and other housing topics. Please contact HUD at (800) 569-4287 or visit their website at
The Service Members Civil Relief Act (SCRA) is a program that provides certain protections in lending for service members who are called to active duty. If you are a military service member who is currently on active duty or has been on active duty within the last 12 months, please contact us at (800) 247-5626 and request to speak with a Loss mitigation Analyst. To verify your status on the Official SCRA website please visit https://scra.dmdc.osd.mil/scra/#/home.