Below is the general process described to start the modification process: 
 
1. Consultation with your Home Relief Assistance Case Manager who will assess your financial situation and explain the process to you.

2. We will need the following documents from you:

* Copy of mortgage statement

* Copy of utility bill

* Copy of paystub or other proof of income

* Hardship letter

3. Our Compliance Department will then analyze your financial hardship and determine what possible loan modification work out program you could qualify for.

4. After acceptance, your Case Manager will then forward you with our Engagement Agreement, which we will explain to you and answer any questions that you might have.

5. After receiving your Engagement Agreement back from you, we will then forward your file to our processing department who will contact you to discuss a plan of action and guide you through the process.  
Your processor will provide you with access to your own modification case online, so you can monitor the progress 24/7 via your own computer at home

6. Your processor will also arrange a conference call with your lender and you, so you can be assured that we are diligently working on your file.

8. After each section is completed you will be invoiced for the work performed

9. Upon receiving an initial proposal from the lender, we will present you with your options that best fit your goals.  We will explain each option and counsel you on the terms and help you come to a decision that will benefit you the most and is not just convenient for the lender.

10. Once the final loan modification is received, our Compliance Department will review the proposal for correctness, and it will be submitted to your lender.