Here are the documents needed to create a proposal for the modification of your mortgage:


Picture ID

Most recent mortgage statement

Most recent property taxes

Homeowners Insurance declarations page

Homeowners Association statement (if applicable)

Current utility bill

Last two years tax returns, signed and dated, plus business tax returns if self employed

Most recent two months bank statements (6 months if self employed)

Most recent 30 days pay stubs for all wage earners in the home

Proof of other income (Social Security, disability, pension, rental income, etc)


I f you have any question or doubt about whether a certain document is necessary (quit claim deed, divorce documents bankruptcy and so on), go ahead and bring it to the event or submit it to your file.  Better twenty pages too many than one too few!

By TTrumble

Online Operations Team and Forum Administrator for NACA. Based in the NACA National Counseling Center in Charlotte, NC.

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