The following documentation will be required to start the loan modification negotiation process:

• Hardship Letter - Include dates, reason for delinquency, what you have done to attempt to workout problem in the past; also include any supporting documents for hardship. While our Network Service Reps will be happy to provide guidance if needed, the short and straightforward letter must be in your own words
• Bank Statements - Last two (4) months.
• Proof of Wages and Salary - Employed - Pay stubs for last two (2) months; Self-employed - 1040s for the last two (2) years.
• Federal Tax Returns - First an d second pages (W2s) from the last two (2) years.
• Rental Agreement - If the loan modification is not for your primary residence.
• Most recent mortgage statement
• Monthly Expense Sheet
• All expenses even if you are not paying them: including utilities, food, mortgage payments)