The following items are required to begin the research and analysis process
- Documented Hardship letter (see guide pg 16 & 17 of loan modification application)
- Copies of all legal notices from your lender(s)
- Copy of Mortgage Statement(s) for all mortgages on all properties
- Copy of Mortgage Note(s) for subject property
- 2 Most Recent Bank Statements (all pages for all borrowers, more could be asked for)
- Profit and Loss for Self‐employed borrowers
- Proof of other income (including room rent, etc, if applicable for all borrowers)
- Proof of Rental income (if applicable)
- 2 Most Recent Pay Stubs (all borrowers)
- Most Recent 2 years Tax returns (all pages for all borrowers)
- Most Recent 2 years W‐2 Borrower and Co‐Borrower (for all jobs)
- Homeowner’s Insurance
- Property Taxes
- Utility Bills/Credit Card Bills/Medical Bills/ Collections
- Limited Power of Company & Letter of Authorization (attached)
- Financial Worksheet (from EZHM Client Agreement)
