mortgage assistance Support

Like applying for a mortgage, applying for mortgage assistance requires a good bit of information and supporting paperwork.

We've done everything we can to streamline the application and processing for you, and we're always here to help.

Please note: If you're currently engaged in active bankruptcy, you should always consult with your attorney before starting a mortgage assistance application.


APPLICATION

You can find the online mortgage assistance application here.

If you'd prefer to apply offline, you'll need to download and fill out the form below:

Uniform Borrower Assistance Form (UBAF)

You can either fax your completed form to 214-488-1993, or mail it to:

Nationstar Mortgage LLC
Attn: Loan Modification Processing Unit
P.O. Box 619097
Dallas, TX 75261

Please make sure the application is filled out completely and legibly before sending it in.

Also, please make sure all borrowers and occupying non-borrowers sign and date the application. (An occupying non-borrower is someone who lives at the property and contributes to the mortgage, but isn't officially on the loan.)


TIMEFRAME

There's one very, very, very, (did we mention very?) important thing to keep in mind when applying for mortgage assistance: Time is of the essence, especially if you're already getting collection notices or are in any phase of the foreclosure process.

If you're already in the foreclosure process, it's even more important to get your application and documents in ASAP, before the specified deadline. If you approach it with a sense of urgency now, you'll be glad you did later. And remember that we'll always be glad to help you fill it out and locate your documents.

If we're harping on this point, it's only because we hate to see a good homeowner get dragged into a foreclosure only because they waited too long to complete their mortgage assistance application.

Contact us with any questions.


DOCUMENTATION REQUIREMENTS

To find your best assistance option, we'll need some documentation of your situation.

Your document requirements will be unique to you. The mortgage assistance application will give you a sense of which documents your situation requires as you fill it out.

But there may be others not listed. After we get your application, we'll follow up to confirm the full list of what we need.

We're always here to help you find the necessary documents. Contact us if you need a hand.

Just remember that time is of the essence when it comes to document submissions. You don't want to submit a few of the required documents, then wait a long time before submitting the rest.

If you do, your earlier submissions could expire and no longer be valid by the time you get them all in. And then your application won't be complete, which could put your home in jeopardy.

Here are some of the most common documents required for a mortgage assistance application:


General / background documents:


  • IRS-4506T-EZ Form - Authorizes us to request a copy of your federal tax returns from the IRS. Download.

  • Hardship Affidavit Form - Where you state the nature of your financial difficulties and any other reasons for requesting mortgage assistance. Download.

  • Dodd-Frank Form - Certifies you have not been convicted of any crimes associated with a mortgage or real estate transaction within the past ten years. Download.


Proof of income documents


If you receive hourly or salary wages:

Minimum two pay stubs covering at least thirty consecutive days, dated within the last ninety days. These should display your name, your employer's name, the pay period, and your year-to-date earnings and deductions. If your official pay stubs are missing this information, please attach a letter of explanation.


If you are a contract employee or self-employed:


  • Either your year-to-date earnings or a Profit and Loss statement for the most recent quarter. These need to include your business name, earnings period, and itemized business expenses (e.g. Wi-Fi, phone, office space, business travel.)

  • Please also include a copy of your most recent federal tax return with all schedules signed and dated.

  • If you pay wages to employees or yourself, please include a thorough statement of wages paid.

  • If the income you're documenting is associated with a corporation or partnership, we'll also need the schedule K1 from the business tax return.


If you receive income from rental properties:


  • Copies of all rental lease agreements, signed and dated. These should include the property address, rental amount, borrower and tenant signatures and start/end dates of the lease. If your lease documents are missing any of this information, please attach a letter of explanation.

  • Documentation of principal, interest, property taxes, and insurance for each rental property.

  • A copy of your most recent personal federal tax return, with all schedules signed and dated.


If you receive benefit income such as social security, pension or retirement income, or annuity income:


  • A copy of your current award letter(s) or other proof of expected monthly benefit income.

  • Two months' proof of receipt of your benefit income, dated in the last 90 days. These may include bank statements, transaction histories, or copies of checks.

  • If there are any discrepancies between your expected and actual benefit income as documented above, please include a letter of explanation.


If you receive child support or alimony and want this income to be considered in your application:


  • Court-recorded documentation of your expected child support and/or alimony income.

  • Two months' proof of receipt of this income, dated in the last 90 days. These may include bank statements, transaction histories, or copies of checks.

  • If there are any discrepancies between your expected and actual child support and/or alimony income as documented above, please include a letter of explanation.


If you receive income from a source not listed above:


  • A detailed letter describing the income source, amount, and frequency.

  • Two months' proof of receipt of the income, dated within the last 90 days.


If the property has occupying non-borrowers, we'll need some documents from them, too.

Occupying non-borrowers are people who live in the property and contribute towards the mortgage, but are not on the loan. Typical examples are roommates or people renting a room in the house that isn't a separate apartment unit.

If you have occupying non-borrowers, they'll need to submit:


  • A completed UBAF form.

  • Proof of their income plus appropriate documentation as listed above.

  • If the occupying non-borrower's contribution to the mortgage is less than 100% of their income, they'll need to provide a contribution statement. (This is just a signed letter stating that they live in the home and confirming the amount they contribute to the mortgage each month.)


Sending us your documents

You can scan your documents and email them to modification.assistance@nationstarmail.com.

You can also fax them to 214-488-1993.

If you prefer mail, you can send copies of your documents to

Nationstar Mortgage LLC
Attn: Loan Modification Processing Unit
P.O. Box 619097
Dallas, TX 75261

However you send your documents, please be sure to include a note including your name, loan number, property address, and best current contact information.


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