Here's a short list of what you'll need to start

• Handwritten Hardship Letter (Ask your Agent for an example letter including the 3 things that every letter must have)
• Proof of hardship listed in letter
• Complete HUD Form 56142 (download here)
• Complete Federal Tax Returns for last two years (including all schedules)
• Most recent 2 Pay Stubs
• Most recent 2 Bank Statements
• Copy of Credit Report or Letter of Credit Denial
• Copy of Notice of Default (if applicable)

This may be all that is requested of you.
Your Agent will let you know if there is anything else that the lender is asking for.

Request help with your Loan Modification or Short Sale right now!