IF YOU ARE HAVING PROBLEMS PAYING YOUR MORTGAGE, PROPERTY TAXES, PROPERTY INSURANCE OR CONDO/HOA FEES: HCS can assist you to understand your financial position, understand your options in resolving your delinquency, apply for assistance, negotiate with your creditor, set up a payment plan, and prepare a budget.

In order to assist you in resolving your delinquency, please bring the following documents toyour appointment. Please note that it is extremely important that you bring all required documents. Failure to provide the requested documentation will delay/prevent our efforts in assisting you.

Click here to download a copy of this checklist

1. Proof of income (60 days of most recent pay stubs for all individuals that contribute to the household) and year to date profit and loss statement for self employed borrowers
2. Proof of non-employment income such as pension, lease agreements, Public Assistance, SSI, etc.
3. 60 days of most recent bank statements for all accounts for all individuals who contribute to the household.
4. Verification of ownership of stocks, bonds, Certificates of Deposit, IRA, etc.
5. Most recent Federal and City/State tax returns (last 2 years) and W2’s for all adults on the mortgage.
6. Copies of all recent bills including credit cards, utilities, car loans, etc.
7. All written correspondence sent by creditor
8. All legal notices received (Bankruptcy, etc.)
9. Documents that verify why you fell behind on mortgage/ rent/taxes (doctor’s bills, layoff notice, furlough notice, separation agreement, etc.)
10. Copy of Deed and mortgage note (Deed of Trust) if homeowner.
11. Settlement Documents
12. Most recent mortgage statement
13. Copy of Valid Driver License, Non driver’s ID card, Passport, or other official picture ID
14. Any mail received offering Loan Modification, Foreclosure Prevention, Forensic Audits, bankruptcy,etc.
15. Updated condo/HOA/Co-op statement
16. Your counselor may request additional documents once she/he meets with you
17. Copy of your credit report which is not more than sixty (60) days old. If you do not have a
    copy of your credit report (which you may obtain by contacting the credit bureau directly), HCS can assist you in obtaining a copy. Visit hcsetc.org/creditprice.
    
    Please provide payment with one of the following: credit card, debit card, check or money order. Your Housing Counselor will stamp our name (HCS) on the payable line for check/money order payments. CASH PAYMENTS ARE NOT ACCEPTED. Please complete spouse’s information for joint credit reports only. THERE IS A BANK FEE FOR CHECKS RETURNED FOR INSUFFICIENT FUNDS.
18. Other documents pertaining to your loan (current modification agreement if you are on a
    modification, copy of your most recent modification application if you have recently applied. Modification denial letter if you have recently been denied a modification.)