STOP FORECLOSURE

To request a modification fill out these two forms:

• Request Form (Request for Modification and Affidavit)

• Tax Form (Form 4506T-EZ)

Determine if you are eligible for a Home Affordable Modification by using the simple tool on this website.

If you are eligible, you can request a Home Affordable Modification by completing the easy steps below. If you need assistance completing the forms or have questions about the process, free help is available by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) and asking for MHA HELP.

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). 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 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.

 
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.