Don't pay money for services you can do yourself. There are alot of scams out there that just want your money for something that they can't even guarantee. If you are in a situation that you aren't sure about then ask around. Do some research.
First of all you can call your servicer (where you pay your payments) which is the first step I suggest you take. When you call you may be told that you need to be behind in your payments.
To be continued
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Forms you will need for your lender
List of Items You Willl Need for Your Lender
- Any other Incomes: Rent, Social Security, Child Support, Child Care, Retirement, Etc
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- Latest Statements for any bills you have: Gas, NV Power, Water, Sewer, Trash, Cable, Phone, Cell Phone, Internet, Credit Cards, Auto Payments, Auto Insurance, Life Insurance, Student Loans
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- Lenders letters you’ve received if any
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- Hardship letter typed, printed and signed
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- Note or Deed of trust for each of your properties
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- Proof of Tax and Insurance if not included on the mortgage statement
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- Mortgage statements for each property you own in your name
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- Bank Statements (last two months)
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- Pay Stubs (most recent for last one month period)
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- W-2’s and Tax Returns from 2006 and 2007
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- ID, Social Security and Residence Card
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