Modifications

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!

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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