{"id":6540,"date":"2024-01-25T10:55:45","date_gmt":"2024-01-25T15:55:45","guid":{"rendered":"https:\/\/housingetc.org\/?page_id=6540"},"modified":"2024-03-27T12:05:45","modified_gmt":"2024-03-27T16:05:45","slug":"foreclosure-counseling","status":"publish","type":"page","link":"https:\/\/housingetc.org\/appointment-plus\/foreclosure-prevention\/foreclosure-counseling\/","title":{"rendered":"Foreclosure Prevention Client Document Checklist"},"content":{"rendered":"\n

IF YOU ARE HAVING PROBLEMS PAYING YOUR MORTGAGE, PROPERTY TAXES, PROPERTY INSURANCE OR CONDO\/HOA FEES:<\/strong> 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 to your 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<\/p>\n\n\n\n

Click here to download a pdf version of this checklist.<\/a><\/em> <\/p>\n\n\n\n

Email all documents PRIOR to your foreclosure counseling <\/strong>
appointment to <\/strong>foreclosuredocupload@housingetc.org<\/a> <\/strong>
or fax (202-765-0123)<\/strong><\/h2>\n\n\n\n
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  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<\/li>\n\n\n\n
  2. Proof of non-employment income such as pension, lease agreements, Public Assistance, SSI, etc.<\/li>\n\n\n\n
  3. 60 days of most recent bank statements for all accounts for all individuals who contribute to the household.<\/li>\n\n\n\n
  4. Verification of ownership of stocks, bonds, Certificates of Deposit, IRA, etc.<\/li>\n\n\n\n
  5. Most recent Federal and City\/State tax returns (last 2 years) and W2\u2019s for all adults on the mortgage.<\/li>\n\n\n\n
  6. Copies of all recent bills including credit cards, utilities, car loans, etc.<\/li>\n\n\n\n
  7. All written correspondence sent by creditor <\/li>\n\n\n\n
  8. All legal notices received (Bankruptcy, etc.) <\/li>\n\n\n\n
  9. Documents that verify why you fell behind on mortgage\/ rent\/taxes (doctor\u2019s bills, layoff notice, furlough notice, separation agreement, etc.) <\/li>\n\n\n\n
  10. Copy of Deed and mortgage note (Deed of Trust) if homeowner. <\/li>\n\n\n\n
  11. Settlement Documents<\/li>\n\n\n\n
  12. Most recent mortgage statement<\/li>\n\n\n\n
  13. Copy of Valid Driver License, Non driver\u2019s ID card, Passport, or other official picture ID <\/li>\n\n\n\n
  14. Any mail received offering Loan Modification, Foreclosure Prevention, Forensic Audits, bankruptcy, etc. <\/li>\n\n\n\n
  15. Updated condo\/HOA\/Co-op statement <\/li>\n\n\n\n
  16. Your counselor may request additional documents once she\/he meets with you<\/li>\n\n\n\n
  17. 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.)<\/li>\n\n\n\n
  18. 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. Choose your preference below. <\/li>\n<\/ol>\n\n\n\n
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    Click to receive help from HCS
    to get my credit report<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n