Worksheets, Tools & Guides

These worksheets, guides and sample documentation can assist homeowners with evaluating and in budgeting their personal finances, weighing their options and ultimately with finding a solution to their home ownership challenges, up to and including preventing a foreclosure.

• Foreclosure Prevention Checklist : A step-by-step process to prepare for and fight to save your home from foreclosure.  Can be used in conjunction with our Free Loan Modification Guide.
• Lender/Servicer Home Loan Info Request : A written request to get a clear breakdown of important details of the mortgage including any costs or fees associated with a foreclosure or late payments.
• Household Budget : Evaluate household income and debts to see how you can better manage your finances. A lender will also request a budget when they evaluate what options are available for a workout or loan modification.
• Personal Financial Statement : This is a comprehensive worksheet to determine a household’s assets and liabilities. A lender will request a Personal Financial Statement when they evaluate any potential workout or loan modification.
• Hardship Letter Sample/Template : Lenders will typically request a homeowner to provide a letter explaining what the reason(s) are for falling behind on the mortgage and what option(s) the homeowner would like to explore to help them get back on track.
• Call Log : Detailed notes about who was contacted, the results of each contact, lender imposed deadlines and general progress are crucial for a homeowner attempting to manage avoiding foreclosure.
• Mortgage Payment and Fee Itemization : If the loan balance on your mortgage seems incorrect or if the late fees or foreclosure associated costs seem excessive or just plain wrong, request a detailed mortgage payment history and breakdown of fees.

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