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To Refinance at a lower interest rate or to prevent foreclosure:
Make an appointment with an AHC counselor and remember to bring the following documents:

Document List for Homeowners:

• Deed
  
• Mortgage
  
• Loan Note or Loan Contract
  
• Settlement/Closing Statement (HUD 1)
  
• Good Faith Estimate
  
• Truth in Lending Statement
  
• Most Recent Mortgage Statement
  
• Credit Life Insurance Statement
  
• Balloon Mortgage Rider
  
• Notice of Right to Cancel/Right of Recission

If the loan is in default/foreclosure:

• Recent bills or letters from mortgage company
  
• All notices of foreclosures/court documents etc.
  
• Hardship letter describing specific circumstances surrounding the delinquency

• Proof of income from all sources
  
• Recent household bills
  
• Four most recent pay stubs
  
• Three months bank statements
  
• Two years of most recent W2s and tax returns
  
• Copy of social security or ID
  
• Bankruptcy papers, if applicable
  
• Judgments and release documents, if applicable
  
• Credit Report Fee ($20 Check or money order)

- HFC Settlement

Mortgage Troubles? -