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Mortgage Modifications


Pre-Qualification   Documentation Requirements

 

If you are in any of the following situations, we may be able to help you negotiate with your

current lender to lock you into a low fixed rate and even erase negative equity in some cases!

 

Owe more on your mortgage than your home is worth

Behind on mortgage payments

ARM and payment adjusting up

Credit score too low for a traditional refinance

Foreclosure process started

And more...

 

Please fill out the following form for a professional consultation at no charge.


If we can't help you or there is not enough benefit to you, we will tell you up front!


Tell a Friend About Us!


Pre-Qualification Information

NAME  

ADDRESS  

ZIP  

PRIMARY HOME?  

PHONE  

EMAIL  

BEST METHOD OF CONTACT  

BEST TIME  

HOME VALUE  

1st Mortgage Information


BANK  

LOAN TYPE  

RATE  

BALANCE  

BEHIND ON PAYMENTS?  

NOTICE OF DEFAULT?  

AUCTION DATE  

2nd Mortgage Information


BANK  

LOAN TYPE  

RATE  

LOAN BALANCE  

BEHIND?  

Employment and Income


BORROWER EMPLOYER  

CO-BORROWER EMPLOYER  

BORROWER INCOME  

CO-BORROWER INCOME  

OTHER INCOME  

NUMBER OF DEPENDENTS  

HARDSHIP REASON (WHY DO YOU NEED MODIFICATION HELP?  WHAT HAPPENED THAT GOT YOU INTO TROUBLE ON THE MORTGAGE?)  

Monthly Expenses

1ST MORTGAGE PAYMENT  

2ND MORTGAGE PAYMENT  

PROPERTY TAXES (IF NOT INCLUDED IN MORTGAGE)  

HOMEOWNER'S INSURANCE (IF NOT INCLUDED)  

OTHER MORTGAGES  

CHILD CARE  

ALIMONY/ CHILD SUPPORT  

TELEPHONE  

CELL PHONE/ PAGER  

GAS & OIL  

ELECTRIC  

TRASH & SEWER  

FOOD  

WATER  

AUTO INSURANCE  

OTHER INSURANCE  

TRANSPORTATION/ GAS  

CABLE  

CLOTHING  

HEALTH CARE  

RENT  

MEDICAL BILLS PAYMENTS  

MEDICAL BILLS AMOUNT OWED  

AUTO #1 PAYMENT  

AUTO #1 BALANCE  

AUTO #2 PAYMENT  

AUTO #2 BALANCE  

OTHER DEBTS (CREDIT CARDS, STUDENT LOANS, ETC):

DEBT #1 PAYMENT  

DEBT #1 BALANCE  

DEBT #2 PAYMENT  

DEBT #2 BALANCE  

DEBT #3 PAYMENT  

DEBT #3 BALANCE  

DEBT #4 PAYMENT  

DEBT #4 BALANCE  

NOTES/COMMENTS  

 


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STEP TWO: DOCUMENTATION

 

Once we determine that you are a candidate for our program, we will require the following documentation to render a final decision.  You will still not be charged any fees until we review your complete file!  We want to be sure we can help you before opening negotiations with your lender!


1. Mortgage Statement(s)


2. Hardship letter


3. Proof of your hardship


4. Copies of 2 most recent pay stubs or proof of all

income documentation or if self employed+ YTD P&L


5. Copies of all bank statements for the past 2 months (checking, savings)


6. Copies of last two years income tax returns