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Lender Loan Modification Requirements

Lender Requirements Have Changed

If you find yourself in a situation where you have fallen behind in your mortgage payments, want to prevent or stop a foreclosure, or want to convert an ARM to a fixed rate mortgage, or just want to lower your mortgage payment each month, it might be a good idea to look into modifying your home loan.  If you do this, it is important to understand that with the current financial climate in the United States, not only have mortgage lender requirements grown considerably stricter, changes and new rules and regulations can cause confusion for the buyer and lender alike.  To make things worse, these requirements are not standard. 

Every lender has their own specific set of criteria that they look at when approving the modification.  Trying to do this process on your own can be frustrating and painful.  It may take hours and hours on the phone with your lender trying to get the correct information you need, being transferred from person to person, and getting conflicting or incorrect information from well meaning but uninformed employees.  It makes sense to hire a knowledgeable Kansas loan modification attorney who is able to navigate the new "lender requirements landscape" on your behalf and may be able to help you with your loan modification.

What Your Lender Needs

A partial list of lender requirement is as follows:

  • Two recent bank statements
  • One year of W2 statements
  • One year of tax returns
  • One month of  recent paystubs
  • Your current tax bill
  • Worksheet showing your financial budget
  •  Mortgage statements
  • Insurance information
  • If self employed, two years tax returns, six months bank statements and six months P and L statements

Rick Hodge, Attorney at Law has over 14 years of experience helping homeowners modify their home loans.  He will answer all of your questions, and let you know exactly what your lender requires so you get it right the first time.  If you are qualified, he will aggressively negotiate your loan modification for you.

Contact a Kansas Loan Modification Lawyer today for help understanding your lender's requirements and the loan modification process.

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Rick Hodge, Attorney at Law - Kansas Loan Modification Lawyer
Located at 700 N. Market Wichita, KS 67214. View Map
Phone: (800) 836-3617
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