Do-it-yourself only : $ 699.00

Qualification
     -   The home must be an owner occupied, single family 1-4 unit property ( including condominium, cooperative, and manufactured home affixed to a foundation and treated as real property under state law.)
     -   The home must be a primary residence ( verified with tax return, credit report, and other documentation such as a utility bill.)
     -   Loan must be before January 1, 2009
     -  The home may not be investor-owned
     -  The home may not be vacant or comdemned
     -  Borrowers in bankruptcy are not automatically eliminated from consideration for a modification.
     -  Borrowers in active litigation regarding the mortgage loan can qualify for a modification without waiving their legal rights.
     -  First lien loan must have an unpaid principal balance ( prior to capitalization of arrearages) equal to or less than:
          -1 Unit: $729,750
           -2 Unit: $934,200

DOCUMENTATION NEEDED (for all parties including those on title)
        -    Copy of Mortgage Statement(s) for all mortgages on all properties  
        -    2 Most Recent Bank Statements (all pages for all borrowers )  
        -    2 Most Recent Pay Stubs (all borrowers) 
        -    Most Recent 2 years Tax returns (all pages for all borrowers) 
        -    Most Recent 2 years W-2 Borrower and Co-Borrower (for all jobs) 

        -     Proof of other income (including room rent, etc, if applicable for all borrowers)  
        -    Homeowner's Insurance 
        -    Property Taxes 
        -    Utility Bills/Credit Card Bills/Medical Bills/ Collections 

-     Documented Hardship letter 

-     Copies of all legal notices from your lender(s) 

-     Copy of Mortgage Note(s) for subject property 

-     Proof of Rental income (if applicable) 

-     Profit and Loss for Self‐employed borrowers