Our teams of negotiators are professionals that have over 10 years experience in the mortgage and real estate industries. We know the terms to use, the documentation to submit, the right people to talk to and what motivates your lender to cooperate. They want your mortgage loan to perform, but they have rules they must follow and we understand those requirements.

What We Need From You:

	Third Party Authorization Form(s) (One for Each Lender)
	Hardship Letter - Include dates, reason for delinquency, what you have done to attempt to workout problem in the past; also include any supporting documents for hardship. We will be happy to provide guidance if needed, the short and straightforward letter must be in your own words.
	Supporting Hardship Information (Example: Letter of termination, lay-off notice, letter from doctor, medical documentations etc.)
	Last 2 months Payroll Stubs and/or Proof of Income verification Information for Last 60 days (if paid every month we need at least 2 months and if self-employed 1040s for the last two (2) years)
	Last Two Month’s Bank Statements from all your accounts (or a letter stating that you currently do not have a bank account)
	Most Recent Mortgage Payment or Lender Statement
	Your Federal Income Tax Returns For The Part Two Years (all pages) and All Schedules (or a letter stating that you did not file income taxes for those years)
	Any Recent Correspondences Received From Your Lender (Including from Lenders Attorney or Sherriff Office)
	Signed Application From You.
	Signed Contract for Analysis, Research and Negotiations (sign and date ALL FORMS)