Mortgage Servicer Information Requirements
April 23, 2009

The secret of getting a modification is placing in the hands of the servicer the information the servicer needs to determine whether or not you are eligible. That information is provided here. The servicers listed below account for the lion’s share of all loans being serviced.

I suggest that before you access your servicer’s information requirements, you read The A, B, Cs of Getting Your Mortgage Modified. .

If you need help in answering questions, it is available free, but like most services that are free, you may be kept on hold for a long period. The servicers all have Help desks, you can also call HOPE NOW at 1-888-995-4673, or you can contact a HUD counselor at http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm.

 

Servicer

Information Required by Servicer

American Home Mortgage Servicing Inc and Option One Financial Questionnaire You Must Fill Out: https://ahmsi3.com/servicing/PDF_files/Financial_Analysis_for_Loss_Mitigation_Workout_Form.pdf

Required Documents:

      *A letter detailing the circumstances surrounding your current financial situation (Hardship Letter)

      *Copy of 2 most recent bank statements.

      *Copy of 2 most recent pay-stubs
        **Note – If self-employed, 6 months of profit and loss statements

      *Previous year's Tax Return or W2

How and Where to Send Questionnaire and Other Information:

      American Home Mortgage

      Fax: 1-866-452-1837

General Information Provided by Servicer:

https://ahmsi3.com/servicing/BAT_solutions.asp 

Aurora Loan Services Financial Questionnaire You Must Fill Out: Available at  https://www.myauroraloan.com/HRG/

Required Documents:

      *A letter with a detailed explanation of your financial hardship.

      *Two most recent paycheck stubs for each mortgagor (if self-employed, provide the year to date Profit and Loss Statement).

      *Bank Statements. Please include the two (2) most recent bank statements for your checking, savings, mutual funds, 401k account, and other investment information.

      *Statements of Disability/Unemployment, Retirement and/or Social Security benefits applied for or received. Please include copies of any and all check stubs.

      *Federal Income Tax Returns (if self-employed, provide copies of the 2 most recent year’s tax returns including any applicable schedules)

How and Where to Send Questionnaire and Other Information:

      Aurora Loan Services

      P.O. Box 1706

      Scottsbluff, NE 69363-1706

      Attention: Home Retention Group

      FaxNumber: 1-866-517-7976

General Information Provided by Servicer:

https://www.myauroraloan.com/HRG/

Bank of America Financial Questionnaire You Must Fill Out:

http://www.bankofamerica.com/loansandhomes/financial-difficulty/worksheet.pdf

Required Documents:**

      *A letter detailing the circumstances surrounding your current financial situation (Hardship Letter)

      *Copy of 2 most recent bank statements.

      *Copy of 2 most recent pay-stubs
        **Note – If self-employed, 6 months of profit and loss statements

      *Previous year's Tax Return or W2

How and Where to Send Questionnaire and Other Information:

      Bank of America

      Homeownership Retention Department

      Fax: 1-714-792-5227

General Information Provided by Servicer:

http://www.bankofamerica.com/loansandhomes/financial-difficulty/index.cfm?adlink=&statecheck=PA&cm_mmc=&cm_sp=&type=

**B of A is very vague about this, the list shown is my recommendation, you can’t go wrong providing more than they ask for.

Chase, WaMu and EMC Note: Chase is vague about its requirements and does not provide a way to transmit documents to them. This is probably because they have established home ownership centers which they want borrowers to visit. They provide a telephone number rather than a fax number. Nonetheless, the more information you bring to a center, the more smoothly the process will go.

Financial Questionnaire You Must Fill Out:

Not publicly available. I am told that borrowers accessing their accounts on-line can download the questionnaire. 

Required Documents:

      *1 Wage-earners must provide two (2) current pay stubs

      *2 Self-employed individuals must provide 4 months of the most recent bank statements and most recent tax return.*

      *3 An audited or reviewed YTD income statement is required for corporations and LLCs.

      *4 A Hardship Letter - A letter outlining the events that have made it difficult for you to continue your monthly payments.

How and Where to Send Questionnaire and Other Information:

      Call:: 1-866-550-5705

General Information Provided by Servicer:

https://www.chase.com/chf/mortgage/hrm_home

Citi Note: Citi has a short questionnaire at their site. Unless you answer "Yes" to the question of whether or not you are behind in your payment, you won’t be referred to "Hardship Assistance", which is their code words for a loan modification.

Financial Questionnaire You Must Fill Out:

https://www.citimortgage.com/Servicing/workableSolution.do

Required Documents:

      *2 recent consecutive pay stubs (or profit and loss statement), or

      *2 consecutive months of bank statements, or

      *2 consecutive tax returns, and

      *A Hardship Letter - A letter outlining the events that have made it difficult for you to continue your monthly payments.

How and Where to Send Questionnaire and Other Information:

      CitiMortgage, Inc.

      Fax: 1 301 696 4473

General Information Provided by Servicer:

http://www.citimortgage.com/homeassist/

Countrywide Note: Countrywide is one of few servicers that mentions participation in the ARM Fast Track Solution program for borrowers with sub-prime or option ARMs, who are exposed to rate and payment increases.

Financial Questionnaire: Countrywide does not provide one on-line, the one below is from Bank of America which now owns Countrywide.

http://www.bankofamerica.com/loansandhomes/financial-difficulty/worksheet.pdf

Required Documents:

*Reason for default or hardship letter signed by all parties

*Two (2) months complete, most recent bank statements

*Two (2) months most recent pay stubs and/or proof of other income

*If self-employed, Profit and Loss statement for at least the most recent three (3) months, & most recently filed tax return

How and Where to Send Questionnaire and Other Information:

      Call at 1-800-669-6607 to ask for fax number

General Information Provided by Servicer:

http://my.countrywide.com/media/FinancialAssistance.html

GMAC, Homecomings Financial Questionnaire You Must Fill Out:

http://www.gmacmortgage.com/pdfs/Financial_Analysis.pdf

Required Documents:

None, everything is included in the questionnaire

How and Where to Send Questionnaire and Other Information:

      Fax to: 1.866.709.4744

General Information Provided by Servicer:

http://www.gmacmortgage.com/Resource_Center/homeowner_help/homeowner_help.html

 

HSBC

Financial Questionnaire You Must Fill Out: Note: You must identify yourself as an HSBC borrower to get access to the form.

https://www.hsbcmortgageservices.com/hardship_assistance_frm

Required Documents:

*Most recent full 30 day bank statement

*Most recent pay stub (including unemployment, compensation disability, SSI etc)

*Proof that you are receiving alimony or child support

*If self employed, business bank statements along with Profit and Loss Statement

*Copy of Lease Agreement if you are renting the property

*If property is listed for sale, copy of listing agreement

How and Where to Send Questionnaire and Other Information:

      Fax: 1-866-392-9693
      Attention: Hardship Department

General Information Provided by Servicer:

https://www.hsbcmortgageservices.com/hardship_assistance

IndyMac Financial Questionnaire You Must Fill Out: Indy Mac does not provide access to its questionnaire until it establishes that you are eligible for a modification. To start that process, go to http://www.imb.com/singlecontent.aspx?id=1874  You will have to input your loan number and social security number.

Required Documents: After you log in, you will be asked first for a hardship statement, and then for income documentation., which you fax to them for approval to proceed. After approval, you go back and fill out the financial questionnaire.

How and Where to Send Questionnaire and Other Information:

Fax: 1.866.435.7643

General Information Provided by Servicer:

https://www.imb.com/singlecontent.aspx?id=1372

Litton Financial Questionnaire You Must Fill Out: Note: You must identify yourself as a Litton borrower to get access to the form.

https://www.littonloan.com/index.asp

Required Documents:

      *Completed and signed hardship affidavit

      *Copies of your two most recent pay stubs

      *Copy of your most recently filed federal tax return

      *Completed and signed IRS Form 4506-T

      *Copy of a recent personal bank statement

      *Copy of a recent utility bill (e.g., electric bill, gas bill, water bill, phone bill, etc.)

      *Copy of your most recent quarterly profit and loss statement (if self-employed)

      *Award letter stating your Social Security, disability, or pension earnings (if applicable)

How and Where to Send Questionnaire and Other Information:

      Fax: 1-713-793-4923

General Information Provided by Servicer:

https://www.littonloan.com/faq_stabilityplan.asp

Ocwen Financial Questionnaire:

http://www.ocwencustomers.com/csc_apply_mortg_assistance.cfm?findif=1

Required Documents:

Integrated with Financial Questionnaire

How and Where to Send Questionnaire and Other Information:

      Fax: 1-407-737-6174

General Information Provided by Servicer:

http://www.ocwencustomers.com/csc_mortg_assist_process.cfm?findif=1

Saxon

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial Questionnaire You Must Fill Out: Saxon Financial Statement

Required Documents:

*Current proof of Income for all co-borrowers (e.g. pay stubs)

*Current bank statements

*Last W-2 for each co-borrower

*Last Federal Tax Return (if self-employed)

*Hardship Letter of why you fell behind and what you would like to do to bring your account current

How and Where to Send Questionnaire and Other Information:

      Fax: 1-888-240-1885

General Information Provided by Servicer:

https://www.saxononline.com/WorkoutOptions/Default.aspx

Wachovia Note: Wachovia does not provide a financial questionnaire, it is focused entirely on eligibility for modifications under the Making Home Affordable program. The documents requested below are in connection with that program. Wachovia now belongs to Wells Fargo and may be phasing out its servicing operations.

Required Documents:

*Monthly gross household income, include pay stubs and other income documentation.

*Most recent income tax return.

*Details concerning any second mortgage on the house.

*Payments on each credit card on which you carry a balance.

*Payments on an y other loans, such as student loans and car loans.

How and Where to Send Questionnaire and Other Information:

None given, only telephone numbers at  Call us today.

General Information Provided by Servicer:

https://www.wachovia.com/foundation/v/index.jsp?vgnextoid=98ec824c26abf110VgnVCM200000627d6fa2RCRD

 

Wells Fargo / America’s Servicing Company Financial Questionnaire You Must Fill Out: https://www.wellsfargo.com/mortgage/account/requestpaymenthelp

Required Documents:

      *A brief explanation of your hardship (Later in the process, we'll ask you to put your explanation into a short letter)

      *A detailed list of all your expenses, loans, and bills

      *Proof of all household income (including your most recent pay stub, tax return or profit and loss statement)

How and Where to Send Questionnaire and Other Information:

      Call: 800-678-7986. No fax number given.

General Information Provided by Servicer:

https://www.wellsfargo.com/mortgage/account/paymenthelp

 

SunTrust Mortgage Financial Questionnaire You Must Fill Out:

https://www.myloancare.com/SunTrust/HomeRetentionRequest.aspx

Required Documents:

      Not specified, expect the usual.

How and Where to Send Questionnaire and Other Information:

      Want questionnaire returned by email.

General Information Provided by Servicer:

http://www.suntrustmortgage.com/loanofficer.asp?hopenow

National City/PNC Financial Questionnaire You Must Fill Out:

http://www.nationalcitymortgage.com/Libraries/Important_Documents/Financial_Assistance_Application.sflb.ashx

Required Documents:

*Letter describing your current situation and how you would like it resolved.

*If your home is listed for sale, a copy of the listing agreement is needed

*Copy of your most recent pay stub from each income source, or other income verification.

*A financial statement form documenting all assets and liabilities (debts) plus monthly income and expenses.

.How and Where to Send Questionnaire and Other Information:

      Fax: 937- 910-4009

General Information Provided by Servicer:

http://www.nationalcitymortgage.com/MyMortgage/Account_Center/Having_Trouble_Making_Payments.aspx

 

NOTE: If your servicer  is not shown, go to http://www.hopenow.com/mortgage_directory.html, which provides a more complete list, with web sites and telephone numbers.

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