Document Checklist for Counseling Session 

To help you craft your best plan to avoid foreclosure, we advise meeting one-on-one with a counselor. Counselors need to review many financial documents. Below we have listed all the documents you will be required to bring to your meeting. Your lender will also require documentation before agreeing to a foreclosure avoidance plan. Please bring: 
  1. Completed Intake Package and Credit Authorization. 
  2. Most recent month of pay stubs (2 bi-weekly, 4 weekly) 
  3. Documentation of other household income (S.S., Disability, Pension, VA, Award/Benefit Letter, Child Support Order, Rental or Leasing Agreement, Government Assistance Award Letter. If you have a tenant or roommate please provide verification of residency. A copy of driver’s license and a utility bill documenting their address.) 
  4. Last 3 months bank statements (savings, checking, MM, CDs, etc.) 
  5. W-2s for the last three calendar years. 
  6. Signed federal tax return with all schedules for the last two years. 
  7. If self-employed: Year-to-date Profit and Loss statement; Last 6 months of bank statements; Last three year’s Federal Tax Returns. 
  8. Most recent utility bills (gas, electric, water, cable, cell/phone, internet, etc.) 
  9. Most recent statements for Property and School taxes as well as the Declaration page for your Homeowners Insurance OR most recent escrow analysis provided by lender. 
  10. Most recent mortgage and/or modification statement.
  11. Property Mortgage and Note.
  12. Hardship Letter explaining circumstances that led to default or imminent default of mortgage loan. Click here for hardship letter suggested content.
                        Click here to download a copy of this checklist


If applicable: 
 
  • Bankruptcy filing with all schedules and notices received from court OR final statement from court AND Discharge Notice. 
  • Copy of modification paperwork previously submitted to lender, decline letter or modification agreement received. 

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Photo by Chris Dlugosz