A fast track workout specialist will talk to you about your situation and help you decide what mortgage options are best for you.
A workout specialist will explain what documents you need to provide and help you make a budget so that you can meet your monthly mortgage payment and other expenses.
The workout specialist will have information about local resources that may be helpful to you.
There is never a charge to work with us.
If you are delinquent on your loan payments and need immediate assistance call 888.906.0006 . We offer free counseling .
There should never be a fee to get assistance or information from your lender or housing specialist.
Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan. Do not pay - walk away!
Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
Never submit your mortgage payments to anyone other than your mortgage company without their approval.
Information about your first mortgage, such as your monthly mortgage statement.
Information about your mortgage payments, including your principle, interest, taxes and homeowner's insurance. Information about any second mortgage or home equity line of credit on the house.
Account balances and minimum monthly payments due on all of your credit cards.
Account balances and monthly payments on all your other debts such as student loans and car loans.
Your most recent income tax return.
Information about your savings and other assets.
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources.
It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.) if applicable.