Can I sign electronically?

Yes. Electronic signatures are generally valid under the federal ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided intent and consent are documented.

Not usually required for the request itself, but some servicers or supporting affidavits may request notarization; state rules and servicer policies vary.

What if income changes during review?

Notify the servicer promptly and provide updated documentation; material changes can affect eligibility and trial-plan terms.

How do I submit missing documents?

Follow the servicer’s designated upload link or secure portal and keep dated copies; track confirmations to show timely compliance.

Will submitting stop foreclosure?

Submission may pause certain servicer actions while under active review, but protections depend on loan status, servicer policies, and applicable state law.

What records should I keep?

Retain a dated copy of the submitted request, all attachments, and any servicer communications for at least 3–7 years depending on tax or legal needs.

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Request for Home Affordable Modification

Request for Home Affordable Modification

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

What the Request for Home Affordable Modification is and when it’s used

The Request for Home Affordable Modification is a borrower-submitted form that asks a mortgage servicer to consider changing loan terms because of financial hardship. It collects personal details, household income, monthly expenses, hardship explanation, requested modification terms, and supporting documents so the servicer can evaluate loss mitigation options such as a trial payment plan or permanent modification. Servicers use the completed request to verify eligibility, assess affordability, and document conversations during the evaluation. Accurate, complete responses reduce processing delays and help preserve borrower protections during foreclosure review.

Why completing this request carefully matters

A clear, complete request speeds review, reduces follow-up requests, and preserves procedural protections during loss mitigation. It creates a documented record of the borrower’s hardship and the servicer’s evaluation steps, which matters in appeals or foreclosure timelines.

Who prepares and reviews the Request for Home Affordable Modification

Parties involved range from borrowers and household cosigners to loan servicer loss-mitigation teams and foreclosure counsel.

Borrowers and cosigners — complete financial details, sign attestations, and attach supporting paystubs or bank statements.
Loan servicers — intake the request, verify documents, and run affordability assessments or trial plans.
Housing counselors and attorneys — review options, help assemble documentation, and represent borrowers in appeals.

Step-by-step: completing the request from start to finish

Follow these steps in order to prepare a complete submission and avoid common delays.

01

Gather documents: Collect paystubs, bank statements, tax returns, and hardship evidence.
02

Complete form: Enter all requested fields using MM/DD/YYYY and full addresses.
03

Attach proofs: Upload supporting documents as PDFs or scanned images.
04

Submit and track: Send to servicer and keep a dated copy with proof of delivery.

How to configure an online submission workflow

Set up digital routing to collect information, authenticate signers, and assemble evidence before submission.

Field	Configuration
Document upload	Allow PDF, JPG, PNG; set 10 MB limit per file.
Signer authentication	Use email + SMS code or ID verification for higher assurance.
Conditional fields	Show additional income fields when household size >1.
Notifications	Enable email confirmations and status updates to all parties.

Technical considerations for eSubmission and signing

Confirm platform compatibility, supported formats, and signer authentication options before sending the request.

File formats: Accept PDF, DOCX, JPG, PNG.
Authenticator options: Email link, SMS code, or KBA for higher assurance.
Integrations: CRM or document storage integration recommended.

Typical online submission flow for a modification request

This common sequence shows how digital collection and review usually proceed.

Prepare: Borrower completes form and gathers attachments.
Authenticate: Platform verifies signer via email or SMS code.
Sign: Borrower signs electronically and dates the request.
Deliver: System routes package to servicer with audit trail.

Core elements included in a professional modification request

A complete form includes specific sections to verify identity, income, hardship, and proposed repayment terms.

Borrower identity

Full legal name, current mailing address, phone, email, and government ID reference to confirm matching records.

Loan details

Loan number, property address, servicer name, current balance, escrow status, and payment history summary.

Income summary

Household gross and net income broken down by source with supporting paystubs, benefit letters, or tax returns.

Expense schedule

Monthly housing, utilities, transportation, medical, and child-care expenses that affect affordability assessment.

Hardship statement

Concise narrative describing the hardship event, date it began, and expected duration or permanence.

Requested solution

Specify trial payment amount, requested interest adjustment, or principal forbearance along with proposed effective date.

Common errors that delay modification reviews

Missing or incomplete income documentation, such as only providing partial paystubs instead of the requested 2–3 months.
Incorrect loan number or property address that prevents the servicer from locating the mortgage file promptly.
Unsigned or undated requests, or signatures that do not match borrower name on account records, triggering authentication checks.
Submitting images with low resolution or encrypted PDFs that reviewers cannot open, requiring re-submission.

Data elements required on the form and formats to use

Name: Full legal name

Loan number: Numeric loan ID

Property address: Street, city, state, ZIP

Income totals: Gross monthly amount

Hardship reason: Short description

Signature and date: MM/DD/YYYY format

Consequences and risks of incorrect or false submissions

Denial: Application may be rejected

Foreclosure: Loss-mitigation protections can lapse

Tax implications: Forgiven debt may be taxable

Fraud exposure: False statements risk legal action

Delayed review: Missing docs prolong processing

Credit impact: Default reporting may continue

Example eSignature vendor comparison for submitting the request (signNow listed first)

Choose an eSignature provider based on price, HIPAA/BAA needs, envelope limits, and bulk-send or API requirements; vendor terms and features vary.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial, no card	Varies by plan	Varies by plan	Varies by plan	Varies by plan
Bulk Send	Yes	Yes (100 env limit)	Yes	Yes	Varies by plan
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes (BAA required)	Yes (BAA options)	Yes (BAA options)	Varies	Varies

Typical timelines and servicer processing expectations

Servicer response times vary; the following are common operational milestones but not universal legal deadlines.

Acknowledgment:

Servicer typically acknowledges receipt within 10–30 days

Initial Review:

Document verification and affordability assessment often take 30–45 days

Trial Plan Duration:

Trial modification periods commonly run 3 months

Decision Notice:

Permanent modification decision often follows trial completion

Appeal Window:

Time to appeal or request reconsideration varies by servicer

Frequently asked questions about the modification request

Answers to common questions about completeness, electronic signing, and next steps during review.

Need help? Contact support

Can I sign electronically?
Yes. Electronic signatures are generally valid under the federal ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided intent and consent are documented.
Do I need a notary?
Not usually required for the request itself, but some servicers or supporting affidavits may request notarization; state rules and servicer policies vary.
What if income changes during review?
Notify the servicer promptly and provide updated documentation; material changes can affect eligibility and trial-plan terms.
How do I submit missing documents?
Follow the servicer’s designated upload link or secure portal and keep dated copies; track confirmations to show timely compliance.
Will submitting stop foreclosure?
Submission may pause certain servicer actions while under active review, but protections depend on loan status, servicer policies, and applicable state law.
What records should I keep?
Retain a dated copy of the submitted request, all attachments, and any servicer communications for at least 3–7 years depending on tax or legal needs.

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