When looking for mortgage foreclosure assistance, no matter what agency or program you approach, you will need the following documentation to have your eligibility determined. Delays can be avoided by having all the necessary documents with you at your first appointment.
Download the pdf of this document here.
- Proof of income for the past 60 days:
Examples:
Most Recent Consecutive Paystubs
2007 and 2008 W-2’s
2008 Social Security Income Awards Letter
2008 Retirement Income Awards Letter
12 - month printout of your 2008/2009 Child Support payment history
- Most recent bank statement for the past 60 days (from checking, saving, 401-k,CD’s, IRA’s or other investment annuities)
- Tax return for last year; if self employed: three years complete tax returns with all schedules, plus a 1099 income statement and year to date profit and loss
- Most recent correspondence from lender, including payment statement/history, balance owed and the amount of the delinquency, current mortgage payment, a written copy of any payment arrangements or workout plan already made with the lender.
- Original closing folder (if available)
- Proof of insurance on the property including current policy date, total amount of coverage and the annual premium (copy of deck page)
- Proof of most recent tax bill
- Photo ID
- Most current utility bills, including water and gas and electric
- List of all other monthly bills
- Letter explaining what happened/reason for assistance request
- Foreclosure filings if applicable
Don’t wait until you have the forms in hand and filled out! Call an agency now.
Frequently these problems go hand-in-hand with other financial difficulties. If you are delinquent in your tax payments, it is important to handle this at the same time as you deal with delinquent mortgage payments.
Mortgage Foreclosure Checklist presented in cooperation with the following Community Partners: Better Housing League, Consumer Credit Counseling League, HOME: Home Opportunities Made Equal, The Home Ownership Center, Legal Aid Society of Southwest Ohio, SmartMoney Community Servies, United Way 211, Working in Neighborhoods.
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July 31st, 2009 at 11:09 pm
Chase Mortgage reqested cashier check to bring mortgage account uptodate and I have compled. I have documentation that check was received and processed on 7/23/09 and yet the account has not been credited accordingly. Account still showing arrears. I have done and compled with all their requests and am not able to talk to nor contact anybody to tell me what the problem is. Chase has 6 months worth of payments including charges but the account remains in arrears. I feet that they are stalling to foreclose.
I would like an appointment to present documentations of above for further legal assistance.
Respectulfully, M.T.Jennings
August 5th, 2009 at 5:17 pm
M.T. -
You can check out additional resources on our local resource page located here - http://www.cincymortgagecrisis.org/feedback/index.php/category/find-help/cincinnati-resources/ - to help you find assistance.
September 14th, 2009 at 9:57 am
Dear MT Jennings
I understand your frustration with Chase. They use the stall tackets quite often. On the one hand they claim to be willing to work with you on bringing your mortgage current but on the other hand they do nothing. It is always are very hard to talk to the right people. I tried to get a loan modification to lower my interest after 3-6 months. they told me I was over the income quidelines if they werenot so tricky and just let you know up front. The homeowners would know how to handle their situation a little sooner