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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. |
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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 *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: |
| 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: |
| 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 *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: **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: |
| 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: |
| 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:
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: |
| GMAC, Homecomings | Financial Questionnaire You
Must Fill Out:
http://www.gmacmortgage.com/pdfs/Financial_Analysis.pdf Required Documents:
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 |
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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:
How and Where to Send Questionnaire and Other Information: Fax: 1-866-392-9693 General Information Provided by Servicer: |
| 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:
General Information Provided by Servicer: |
| 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: |
| Ocwen | Financial Questionnaire:
http://www.ocwencustomers.com/csc_apply_mortg_assistance.cfm?findif=1 Required Documents:
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
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Financial
Questionnaire You Must Fill Out:
Saxon Financial Statement
Required Documents:
How and Where to Send Questionnaire and Other Information: Fax: 1-888-240-1885 General Information Provided by Servicer: |
| 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:
How and Where to Send Questionnaire and Other Information:
General Information Provided by Servicer: https://www.wachovia.com/foundation/v/index.jsp?vgnextoid=98ec824c26abf110VgnVCM200000627d6fa2RCRD
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| 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
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| 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: |
| National City/PNC | Financial
Questionnaire You Must Fill Out:
Required Documents:
.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.
