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Please bring copies of:
- Original Loan Documents for All Current Loans
- Current Mortgage Statement
- Bank Statements for the Last Two Months
- Pay Stubs for the Last Two Months
- Tax Returns for the Last Two Years
- Rental Contracts/Roommate Agreement (if applicable)
- Write and bring a 1 page detailed Hardship Letter, Signed and Dated (On this letter explain to lender what happen and why you need loan modification or repayment plan
)
- Supporting Hardship Information (i.e., letter of termination, lay-off notice, letter from doctor, medical documentation, etc. not required but helpful to the lender) optiona
l
- Deed of Trust (If not sure, bring your original loan documents for current loan
)
- Promissory Note and all riders (If not sure, bring your original loan documents for current loan
)
- Most Recent Mortgage Statement (for 1st and 2nd lien
)
- Two Most Recent Bank Statements for the Last Two Months (all borrowers
)
- Proof of Income - Payroll Stubs for all borrowers (2 months of consecutive paystubs
)
- Proof of Income - Award Letter or verification of income: including child or spousal support, retirement, SSI, disability, EDD, family contribution letter
.
- Proof of Income – only if Self Employed (current Year to date - Profit and Loss Statement for the last 3 months
)
- Rental agreements - for tenants in the home or investment propert
y
- Tax Returns for last 2 years for all borrowers on the loan, All Schedules and W2’s for the Last 2 Year
s
- Property Tax Bill
- Insurance Declaratio
n
- Recent Past Due Letters or Correspondence From Lender(s), including Notice of Default or Trustee Sale Notice
- Copy of Drivers License for borrowers
- List of household obligations - budget
- PGE bill
 Third Party Authorization
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