Request for Home Affordable Modification

Request a Home Affordable Modification

Homeowners 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

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

Step 1 – Complete the Request Form (Request for Modification and Affidavit)

The Request Form provides information to your mortgage servicer about your home and financial situation. You can download an instruction guide for completing the Request Form here. After you have completed the form, print two copies—one for your records and one to send to your mortgage servicer. All of the borrowers on the mortgage must sign the Request Form.

Step 2 - Complete the Tax Authorization (IRS 4506T-EZ Form)

The Tax Form gives permission to your mortgage servicer to request a copy of the most recent tax return you have filed with the Internal Revenue Service (IRS). Please see the instructions on completing the form. After you have completed the form, print two copies—one for your records and one to send to your mortgage servicer. Only one taxpayer is required to sign the Tax Form.

Step 3 – Gather Proof of Income

Your mortgage servicer is required to verify your income to ensure that the modified mortgage payments will be affordable for you. The type of documentation you need to provide depends on the source of your income. The simple Proof of Income Checklist below will tell you what documents you need to collect if you are a wage earner, self-employed, or receive retirement income. Be sure to make copies of your income documentation and keep the originals for your records.

Step 4 – Send the Documents to Your Mortgage Servicer

After you complete, print, and sign the Request Form and Tax Form, send these documents, along with your proof of income, to your mortgage servicer. You will find the correct mailing address and fax number at: http://makinghomeaffordable.gov/contact_servicer.html.

Proof of Income Checklist

Your mortgage servicer needs the documents listed below to verify the income of each borrower. You can find the correct mailing address or fax number to submit your documents on the Contact Your Mortgage Servicer page.

For each borrower who receives a salary or hourly wages:

• Copy of your two most recent pay stubs that show year-to-date earnings.

For each borrower who is self-employed:

• Most recent quarterly or year-to-date profit/loss statement.

For each borrower who has income such as social security, disability or death benefits, pension, adoption assistance, public assistance, or unemployment:

• Copy of benefits statement or letter from the provider that states the amount, frequency and duration of the benefit, or

• Two most recent bank statements showing receipt of such payment.

For each borrower who is relying on alimony or child support as qualifying income*:

• Copy of divorce or other court decree; or separation agreement or other written agreement filed with the court that states the amount and period of time over which it will be received, or

• Two most recent bank statement showing receipt of such payment.

* You are not required to disclose Child Support, Alimony or Separation Maintenance income, unless you choose to have it considered by your servicer.

For borrowers who are current on their mortgage payments:

• Copies of the most recently filed and signed federal tax return with all schedules, including Schedule E—Supplemental Income and Loss.

If you have other types of income, cannot locate the required documents, or have questions about the paperwork required, please call 1-888-995 HOPE and ask for MHA HELP.

Borrower Information

Borrower Name:

Property Address:

Loan Number:

Effective Date:

Income Details / Notes:

Borrower is current on mortgage payments

Salary or hourly wages income

Self-employed income

Benefits / retirement / unemployment income

Alimony / child support income

Borrower Signature:
Date:

Co-Borrower Signature:
Date:

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