The following items are needed for a face-to-face counseling session as they will be used to compile a loss mitigation packet:
- Most recent statements for any mortgages on the property.
- List of monthly expenses and supporting documentation (ie, copies of bills, statements, etc.)
- Proof of income (ie, paycheck stub, profit/loss statement, unemployment, SSI, etc.)
- Two months of bank statements
- Most recent utility bill
- Most recent tax returns
- Any correspondence with the lender or other related documents
- IRS 4506-T
- Hardship letter