Before we can help you we need to carefully understand your financial circumstances to find the best possible solution to your mortgage challenge.
Step One - Fill out our online form, by filling out our complete form you can get a more detailed quote.
Step Two - One of our loss mitigation specialists will go through your options and then have you provide the following information, provided the specialists feels that we can help you.
You will fax the following information to see if you can fully qualify.
Forms provided by us, filled out by you.
- Hardship Letter - this helps us fight for you, explaining your financial hardship situation in detail.
- Letter of Explanation of Income & Financial Worksheet - These forms show all household income and expenses to again help us fight for you and your hardship.
- Loan Modification Worksheet - Personal and property information
- Credit Release Authorization Form - allowing us to research your credit standings
- Modification authorization Form - Allowing us to communicate with your lender on your behalf .
Supporting Documents provided by you
- Copies of most recent payroll stubs - 2 months both borrower and co-borrower, provide what you have if no pay-stubs
- Copies of last 2 years W-2's - again both borrower and co-borrower
- If self-employed, provide copies of Tax Returns for most recent 2 years - all schedules
- Copies of last 3 months bank statements for all bank accounts, all pages. Contact us with any questions.
- Copies of most recent mortgage statements or coupons
- Copies of property taxes and insurance
- Copies of household bills
- Utilities like - electric, gas, water, etc.
- Insurance for your - car, home, medical, etc
- Child care, or other outstanding liabilities being paid
- Listing Agreement - only used with "short-sales"
- HUD-1 or Net Agreement - if applicable