Required Documents for Loan Modification
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Hardship Letter
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Provide a letter detailing the events which have made it difficult for you to make your payments.
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Provide a photo ID, Copy of Social Security Card.
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Employment / Income Verification
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Provide 2 month’s worth of paystubs
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If paid weekly:
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8 paystubs
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If paid biweekly:
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4 paystubs
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If paid monthly:
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2 paystubs
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Provide the last 2 years of Tax Returns. Must include all pages & W-2’s.
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If self employed, provide an income statement showing the past 2 months of income along with a copy of last year’s IRS filing.
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If you received Child Support or Alimony or Retirements documents to prove or show income (if applicable).
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Assets
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Provided the last 2 bank statements. Including checking/savings and all others. Must include all pages.
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Checkbook
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Provide the latest statement of your 401K, IRA, Profit Sharing or any other retirement account (if applicable).
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Provide the latest statements of any Investment accounts such as Mutual Funds, Stocks, Bonds, etc.
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Mortgage Information
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Provide the last Mortgage Statement. (1st and 2nd Mortgage) Any letters or notices sent by the lender(s).
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Taxes and Insurance Statements. (if not included in mortgage payment).
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Utilities
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Provide the last statement or bills for the following:
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Water bill
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Electric bill
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Gas bill
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Phone / cell phone bill
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Additional Town services, such as garbage pickup.
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Home insurance Policy
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Home owners Association bill / dues
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Installment Loans
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Provide the last statement or bills for the following:
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Car Loan statements
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Student loan statements
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Unsecured loans statements
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Other loans statements
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Revolving Accounts
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Provide the last statement or bills for the following:
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Credit cards statements
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Department Stores
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Furniture stores
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Other Expenses
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Provide the last statement or bills for the following:
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Job related expenses
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Child care
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Cable / Dish
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Internet
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Entertainment
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Car Insurance
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**Provide Any and All Documents you have
from your Loan Closing Package**
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