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Prepare What You'll Need

You will need to provide your mortgage company with information about your financial situation when applying for mortgage assistance. The specific information required will depend on your individual situation and mortgage company. However, you should be prepared to provide information about your income, expenses, assets, debt and hardship. Below is a list of the documents that your mortgage company may require to support your application.


  • Your monthly mortgage statement
  • Information about any other mortgages on your home or other property
  • For salaried employees or hourly wage earners, 2 recent pay stubs (not more than 90 days old) that reflect year-to-date income
  • For self-employed homeowners, your most recent signed and dated quarterly or year-to-date profit and loss statement
  • Documentation of additional income received from other sources (tips, commissions, bonuses, housing allowances, overtime, etc.)
  • Documentation of any benefits received (Social Security, disability, death benefits, pension, public assistance, or adoption assistance, etc.)
  • Documentation of any other income you want considered (alimony, child support, separation maintenance payments, etc.)
  • Two most recent bank statements
  • A utility bill showing your name and property address
  • Unemployment benefits letter, if applicable Information about your savings and other assets
  • Your two most recent federal tax return with all schedules, including Schedule E
  • A letter describing the circumstances causing your hardship


If you have additional questions or need direct assistance, don’t hesitate to reach out for free help by calling 888-995-HOPE (4673). You will be connected with a housing counselor from a HUD-approved housing counseling agency. These counseling experts can help you understand your options, design a plan to suit your individual situation, prepare your application; and in many cases, submit the application for you. Studies suggest that homeowners who work with housing counselors are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service and help is available in more than 170 languages.

Last Updated: 1/1/2017 11:11

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