Making Home Affordable Loan Modification Program Can
Help You:

* Keep Your Home
* Restructure Your Home Mortgage
* Avoid Foreclosure & Bankruptcy

A Loan Modification is when a lender agrees to modify any or
some of the terms of the mortgage, making it more affordable for
you.

These changes may include:

1) Reducing or modifying the interest rate
2) Extending the term of the loan
2) Changing the monthly payments
4) Combining any of the above

1. COPIES OF MOST RECENT PAYROLL STUBS - Your will need to
provide copies of pay stubs for the  past 2 months for both the borrower and co-
borrower.

2. COPIES OF LAST 2 YEARS W-2’s - Please provide copies of 2 years W-2’s for
both the borrower and co-
borrower.

3. (IF SELF EMPLOYED) COPIES OF FEDERAL INCOME TAX RETURNS - Provide
copies of original signed
and dated tax returns, including all schedules, for the 2 most recent tax years for
both borrowers.

4. COPIES OF LAST 3 MONTHS BANK STATEMENTS - You will need to provide
copies of the last 3 months
bank statements for all accounts, please provide ALL pages.

5. COPIES OF MOST RECENT MORTGAGE STATEMENTS - You will have to
provide copies of your most
recent mortgage statement or coupon for your property.

6. COPIES OF MORTGAGE NOTES - Provide copies of all mortgage notes from
original loan documents
that currently exist on your property if you have them.

7. COPIES OF ANY DELINQUENCY LETTERS FROM YOUR LENDER - If your loan
is currently in default,
please provide copies of the letter.

8. HARDSHIP LETTER- You will need to provide a simple hardship letter.

9. FINANCIAL WORKSHEET - You will need to provide a complete monthly income
& expense budget.