Even the best planning can’t take every emergency into consideration
If you find yourself behind on your mortgage and struggling to pay your bills, come and talk to us. We’ll go over your mortgage and help you understand the terms of your loan. We will also go over your entire financial situation and work on that with you and explore every viable option. In most cases, we can negotiate directly with your lender for a modification or refinancing of your loan. Some situations will call for a sale of the property. All your options will be evaluated and we will help you plan your next steps so you can navigate these challenges.
- Your loan documents for all current loans including Truth-in-lending statement, Uniform Loan Application and Good Faith Estimate
- All documents and letters from the lender, servicer, and their attornies
- Recent property tax, sewer and water bills
- Recent mortgage statement (bill) and home equity statement(s) (bill)
- All current household income info, including 2 months pay stubs, child support, social security award letter, unemployment, VA disability etc.
- Any leases or rental agreements with tenants or boarders
- All self-employment info
- 2 most recent Federal tax return (if you are self-employed, please also bring 3 prior years) and all W2’s
- All other loan docs such as auto, student and personal loan docs
- Most recent credit and store card bills
- Current utility bills
- 2 most recent bank statements (personal and/or business)
- Homeowners insurance statement
We realize this is a long list, but we may need all of them to negotiate with your lender. The sooner we have all of the above documents, the quicker we can help you attain a sustainable mortgage payment.
We will explain the process and options available to you and help you work with your lender.