Prevent Foreclosure

To help your conversation on options it is best to be prepared by gathering some important documents.

• Hardship letter: This is a short letter giving a detailed description of the situation you are in and the reasons why you are having difficulty making your mortgage payments.
• A copy of your federal income tax returns for the most recent tax year, two years for self employed income.
• Most recent copy of your W-2 form.
• Copy of your bank statements for the past three months.
• Copy of your pay stubs showing your income from your job for the past two months.
• Valid copies of documents that support your hardship claims, such as a pink slip from your work, divorce papers, hospital bills, death certificate, etc.
• Your current financial statement financial worksheet that specifies your monthly income and expenses. It also shows how much you are coming up short each month with the current house payment.
• Profit and loss statement, if self employed.
• Unemployment Benefit Statement, if you experienced a loss of job.