Step One

Obtain a free credit report today! You will need to know your total monthly credit expenses to pre-qualify for any loan resolution programs being offered. Please obtain a free credit report using the link below. You will not need a score and only need to choose one credit agency to get a report from for loan resolution purposes.

Get Your Free Credit Report

Step Two

Getting a free property estimate is a very important step in the qualification process is to obtain the value of the property. Click here to receive a free estimate.

Get a Free Property Estimate

Step Three

You must identify which Company owns or services your loan to determine which loan-resolution programs will be available for homeowners that have suffered a recent hardship. Click here to see if Fannie Mae or Freddie Mac own your lown, or to see a list of lenders.

Find Out Who Owns Your Loan

Step Four

We need to collect some documents. See below for the list of documents we need.

A) First, we need paystubs. You will need to gather the 4 most recent paystubs for all household members that will contribute to the mortgage or are borrowers on the mortgage. If you own a business you will be required to furnish a “Profit & Loss Statement”.

B) Next is your tax returns. You will need to furnish the last two years of “Federal Tax Returns”. You must sign the returns even if they are copies. If you own a business you will also need to provide the prior two years Federal Tax Returns for the business.

C) Then we will need some bank statements. You will be required to forward a complete copy (every page) of the last two months personal bank statements. If you own a business you will be required to send the last four months of your personal and business bank statements.

D) Following bank statements, collect your homeowner insurance declaration page. You will need to provide a copy of your insurance declaration page to determine the annual premium you are paying for your policy. If the bank has provided a lender-placed policy you can call customer service and they will tell you the annual cost of the insurance.

E) We also will need your property tax bill. Your property tax is also included in your monthly payment and can be a very big portion of your total mortgage payment. You will need to provide the most recent tax bill you received from your assessor. You can visit our State Links page to locate contact information for your assessor if you cannot locate your most recent property tax bill.

F) You must then provide a recent utility bill to establish residency in the property. If other family members live with you and contribute to the household expense you will need to forward at least one bill that comes in their name at the property address.

G) If you receive pension, disability or social security you must provide a copy of the award letter for each.

H) Finally we need any lease agreements or rental leases. You will need to provide a copy of rental lease agreements for any individuals that reside with you and are not direct relatives.

Step Five

Time to get pre-qualified! First you will need to check to see if Fannie Mae or Freddie Mac owns your loan in step three. If your loan is not owned by either agency please check to see if your loan servicing company participates in the HAMP program. After identifying the Company that services your loan simply click on the pre-qualify tool for a list of questions you will need to answer to determine if a benefit exists to modify the terms of your loan.

Click below to see if you pre-qualify today. After submitting you will be notified via e-mail if you pre-qualify.

Get Pre-Qualified For Your Loan Resolution