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Homeowner's Assistance

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Homeowner Assistance Programs Overview Questions

Your loan servicer is the financial institution that collects your monthly mortgage payments, and has responsibility for the management and accounting of your loan. The servicer may also be the owner of the loan, or the servicer may be servicing the loan on behalf of an investor. If you have questions about whether your loan servicer owns your loan or is servicing it on behalf of a third party, you should call your loan servicer at the number on your payment coupon or monthly mortgage statement.

It will speed the processing of your application if you gather some information and documents before you call. For all borrowers on your loan, you will need:

  • Information about monthly gross income, including recent pay stubs if the borrowers are salaried and receive them, and documentation of any income received from other sources.
  • Most recent income tax return
  • Information about assets
  • Information about any second mortgage on the house
  • Account balances and minimum monthly payments due on all credit cards
  • Account balances and monthly payments on all other debts such as student loans and car loans
  • A hardship letter describing why your mortgage is unaffordable (i.e. what caused your income(s) to be reduced and expenses to be increased).

1 All loans subject to approval.