The lender just postponed the Trustee Sale on your home.  It's 30 days away and they're telling you that you will receive the lender's loan modification application forms and it takes approximately 10 days for the package to be sent out.

Did you know . . .

The financial worksheet and hardship affidavit forms are generic and can be downloaded from The Making Home Affordable website.

Homeowners can apply for the Home Affordable Modification Program (HAMP) by submitting a complete "Initial Package" to their mortgage company.  The Initial Package includes:

• Request Form (Request for Modification and Affidavit)
• Tax Form (Form 4506T-EZ)
• Verification of income

Don't waste precious time waiting, download and submit the application immediately.

All the modification documentation forms are standard.  Include the following documentation:

     * Your Last 2 paycheck stubs

     * 2007 and 2008 federal tax returns & W2 Statement or 1099 Forms and a Profit and Loss if you are self-        employed

     * Verification of other income: rental agreements, social security benefits, disability, pensions.     

     * Recent asset / bank statement:(all accounts, all pages)

     * Most recent monthly mortgage coupons/ statements

     * Signed Hardship affidavit

     * Completed and signed worksheet

     * Be sure to put your Loan number on each page of the documentation

Visit the Making Home Affordable website to read more about how to complete these documents.  If you need more help completing your paperwork, you can call the Homeowner's HOPE^TM Hotline at 1-888-995-HOPE (4673) to work with a HUD-approved housing counselor for free.