How it works and what you'll need..... 

To get the process started, your will be asked some questions about your current financial situation and required to submit some supporting documents:

These documents are all very important in the prequalification process. It's necessary that we get a clear picture of your circumstances so we can determine how best to help you.

The first "tip" to any successful workout plan is A COMPLETE PACKAGE. 

Submission Checklist:

• Signed Hardship Letter Explaining Circumstances
• Provide a Photo ID (drivers license, state ID)

Employment and Income Information:

• Provide the LAST 2 MONTHS worth of paystubs:

If Weekly: 8 stubs
If Bi-Weekly: 4 stubs

• Provide the TWO MOST RECENT YEARS Tax Returns (include all pages)
  
• Provide the TWO MOST RECENT YEARS W2’s
  

Self Employed:

• YEAR TO DATE profit & loss statements & last year’s tax filing.
  
• Provide proof of any child support, alimony, retirement or other additional income.
  

Asset Information:

• Provide LAST 2 MONTHS bank statements, including checking and savings.
• Last statement for 401k, investment accounts, stocks, bonds, mutual funds.

Mortgage Information:

• Provide the last mortgage statement (1st and 2nd Mortgage) – any correspondence.
• Include tax and insurance information (if not already on the mortgage statement)
  
• Utilities & Monthly Expenses: (Provide most recent statement)
• Water Bill
  
• Gas/Electric Bill
  
• Phone/Cell phone bill
  
• Homeowner’s Insurance policy
  
• Homeowner’s Association bills/dues
  
• Cable/Internet
  

Installment Accounts: (Provide last monthly statement)

• Car loan (statements for each)
• Car Insurance
  
• Student Loan
  
• Credit cards, department store cards
  
• Job related expenses
  
• Childcare Expenses
  

*If applying for the government sponsored Recovery and Stability Act we will also need a recent copy of your credit report.