DOCUMENTS TO HAVE READY FOR MODIFICATION CONSULTANT

When our professional Loan Consultant has his appointment with you, you should have the following documents ready for him or her.  This will greatly speed up the modification process and help to get you the relief that you deserve much faster!

Payroll Stubs and/or Proof of Income Verification Information for Last 30 days
	(if paid every month we need at least 2 months and if self-employed please supply a profit and loss showing a profit or Schedule C) Last Two Month’s Bank Statements (or a letter stating that you currently do not have a bank account)
	Two Years Federal Income Tax Returns and All Schedules (MUST BE SIGNED) (or a letter stating that you did not file income taxes for that year)
	Mortgage Coupon Payment Stub or Lender Statement Any recent Lender Correspondence Received Correspondences from Lender’s Attorney or Sheriff-if any A Detailed Letter of Hardship
	(INCLUDE VERY DETAILED WITH DATES: reason for delinquency, what you have done to attempt to workout problem in the past, what you have done to prevent this from reoccurring in the future). (SIGN AND DATE).
	Supporting Hardship Information
	(i.e. letter of termination, lay-off notice, letter from doctor, medical documentations, etc.)