The first thing you must do is seek the advice of the following professionals:
All of the professionals above will need the following information from you in order to be able to give you the information you need to decide which option is the best for your situation.
- Your Original Loan Documents
- A Very Detailed list of your current expense budget
- A Hardship Letter and supporting documents
- Last 60 days of all of your Bank and Investment Accounts
- Last 30 days of your pay stubs
- Last 2 years of taxes
Make sure you make multiple copies of your documents so you always have a set available to give to one of the professionals.
Your options will be based on the professionals you contact. Start with the Non-Profit Housing Counselor. They will give you unbiased options for your situation. In most cases they can not tell you what your next step should be. They will only give you the options.
Then seek out the advice of the other professionals. When selecting the other professionals to consult look for people that give back to the community and work directly with local housing agencies and cities. Make sure you ask for and check the references of each of the professionals. Real Estate Agents and Mortgage Lenders should not be charging you up front for their services. There may be fees however once documentation is being submitted to the lender or for requesting documents like deedsa and credit reports.
You should always be able to get a free consultation.
Danke Schoen,
Nate Ellis
888-808-6283
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