How to put together a complete loss-mitigation application

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))