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)