Techoclaro

Step 1

Document checklist

Your loan type

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0 of 14 gathered

The servicer’s application form (signed and dated)
Hardship letter or hardship affidavit
Pay stubs for the last 30 days (each earner)
Last two months of bank statements (all pages)
Most recent federal tax return or IRS Form 4506-C
Proof of other income (Social Security, pension, child support, unemployment, rent)
Monthly budget (income and expenses)
Photo ID (only if asked)
HOA statement (if you pay an HOA)
Proof of the hardship (layoff letter, medical bills, divorce decree, death certificate, disaster claim)
Occupancy confirmation (FHA)
VA-related documents the servicer asks for (for example, military orders if on active duty)
Household income for everyone in the home (USDA)
Copies of the home-equity closing papers (Texas § 50(a)(6))

Step 2

Complete-application tracker

Application received

Complete

Decision

Appeal (if any)

How Regulation X protects a complete application

“Complete” means the servicer has everything it asked for. Its acknowledgment letter lists what is missing and a date to send it.
If it is complete more than 37 days before a scheduled sale, the servicer must decide within 30 days and may not hold the sale while it decides or while an appeal is open.
Send everything in a way you can prove, and write each call in the call log.
If you send everything the servicer listed, the application is treated as complete for these protections even if the servicer later asks for more.

See your dates in the calculator

Step 3

Monthly budget worksheet

Income (per month)

Take-home wages (all earners)

Gross monthly income before taxes (for the ratio estimate)

Social Security, pension, disability

Child support / alimony received

Other income (rent, side work, family help)

Housing

Current mortgage payment (principal, interest, taxes, insurance)

HOA dues

Other expenses

Utilities (power, water, gas, phone, internet)

Food and household supplies

Car payment, fuel, insurance, transit

Medical and insurance premiums

Child care and school

Credit cards and other loans (minimums)

Other necessary expenses

Step 4

Hardship letter builder

What happened?

When did it start?

In your own words (optional)

What has changed now (optional)

What you are asking for

Monthly payment you can afford (optional)

I want to keep the home

Letter preview

Pick at least one reason and when it started to see the letter.

Add your address and download

Only write what is true. A servicer may ask for proof of each reason.

Step 5

Servicer call script & call log

1
Before you call
Have the loan number (you can read just the last 4 aloud), your budget, and a pen. Open the call log.
2
Get names
“May I have your name, your ID number, and a reference number for this call?”
3
State the purpose
“I am behind and I want to be reviewed for all loss-mitigation options. Please send me the application and tell me every document you need.”
4
Ask about the sale
“Is a foreclosure sale scheduled? On what date? Will it be postponed while my application is reviewed?”
5
Ask for your contact
“Who is the person assigned to my loan, and how can I reach them directly?”
6
Confirm where to send
“What is the fax, upload portal or mailing address for documents? How will you confirm you received them?”
7
Close
“Please send me a written summary of what we discussed.” Then write everything in the call log.

No calls logged yet.