{"id":99,"date":"2018-11-14T10:09:48","date_gmt":"2018-11-14T10:09:48","guid":{"rendered":"http:\/\/mortgagemodificationri.com\/blog\/?p=99"},"modified":"2019-02-05T03:21:38","modified_gmt":"2019-02-05T03:21:38","slug":"is-it-complicated-to-apply-for-a-mortgage-modification","status":"publish","type":"post","link":"https:\/\/mortgagemodificationri.com\/blog\/2018\/11\/14\/is-it-complicated-to-apply-for-a-mortgage-modification\/","title":{"rendered":"Is it Complicated to Apply for a Mortgage Modification?"},"content":{"rendered":"<p>Applying for <a href=\"https:\/\/www.usa.gov\/mortgages\">mortgage<\/a> assistance can be very complicated unless you take the process seriously. A homeowner considering a <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/09\/18\/what-is-a-mortgage-modification\/\">mortgage modification<\/a> will likely have to submit many different financial documents to the mortgage company. Which specific documents that are needed varies across mortgage companies and also depends on your hardship.<\/p>\n<p>Some of the routine documentation that will be asked for will include a <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/10\/18\/the-hardship-letter\/\">hardship letter<\/a>, verification of the homeowner&#8217;s income such as pay stubs or a profit and loss statement, verification of any contributor income, bank statements, tax returns, rental agreements (if applicable), a completed application and any other miscellaneous forms which are specific to your individual mortgage company.<\/p>\n<p>The complications that may arise will vary, and you will not know what they are until after your documentation has been reviewed by the mortgage company. Homeowners are encouraged by the mortgage company to visit the mortgage company&#8217;s website and download the mortgage assistance package. Once you have your information collected they ask you to forward it to them for review. Communication from the mortgage company can be slow and to reach them by phone can be very time consuming. By the time you receive their correspondence requesting additional information or clarification, your time to reply is limited. You must act <a href=\"http:\/\/mortgagemodificationri.com\/blog\/2018\/10\/12\/when-should-i-ask-about-a-mortgage-modification\/\">quickly<\/a> and precisely to each and every request for additional information until a determination is made.<\/p>\n\n\n<h2 class=\"wp-block-heading\">The Mortgage Modification Center<\/h2>\n\n\n\n<p>\nIf you are not ready to take this challenge on yourself, there is an advantage to seeking professional help. Our office has been assisting homeowners apply for mortgage assistance for many years, and with our experience comes the ability to know in advance what will complete a package before it is sent to the mortgage company. If you would like to discuss this option, do not hesitate to reach out to <a href=\"https:\/\/www.law-ri.com\/our-law-firm.html\">Attorney John S. Simonian<\/a> at the <a href=\"http:\/\/mortgagemodificationri.com\/\">Mortgage Modification Center<\/a> (401) 467-7998 for a free initial consultation.\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Applying for mortgage assistance can be very complicated unless you take the process seriously. A homeowner considering a mortgage modification will likely have to submit many different financial documents to the mortgage company. Which specific documents that are needed varies &hellip;<a class=\"rm\" href=\"https:\/\/mortgagemodificationri.com\/blog\/2018\/11\/14\/is-it-complicated-to-apply-for-a-mortgage-modification\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[60,3],"tags":[29,16,26,5,28,4],"class_list":["post-99","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-modification","category-mortgage-modification","tag-attorney","tag-bankruptcy-attorney","tag-financial-hardship","tag-loan-modification","tag-mortgage","tag-mortgage-modification"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Complicated Mortgage Modification? 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