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Visit Tales from the Trenches, the national blog for Facing the Mortgage Crisis.
Facing the Mortgage Crisis is part of CPB’s Public Service Media Economic Response Initiative.Facing the Mortgage Crisis Document List
Categories: Information, Tips
For your first appointment, have the necessary documents ready - if you are prepared you can avoid delays.
Take with you:
- A photo ID
- Your most recent lender correspondence. Include your payment statement/history, the balance owed and the amount of delinquency, current mortgage payment, and if you have a written copy of any payment or workout plan already in place with the lender.
- Current utility bills (water, gas, electric)
- A list of all other monthly bills/expenses
- Proof of your most recent tax bill
- Proof of insurance on property include current policy date, amount of coverage and annual premium
- Proof of income (60 days) For Example: Your most recent pay stubs (a couple consecutive ones), W-2 forms (2008 and 2007), 2008 Social Security Income Letter, or 2008 Retirement Income Letter
- Your most recent bank statement (60 days) from a checking or savings account
- A recent statement (60 days) from your 401-k, CD’s, IRA’s or other investment annuities
- Your 2008 tax return
- If you are self employed –complete tax returns with all schedules for three years, a 1099 income statement and year to date profit and loss statement
- Foreclosure filings if applicable
- Your original closing documentation (if possible)
Facing the Mortgage Crisis Document List provided in cooperation with United Way of Greater Cleveland 211 First Call for Help, Cleveland State University, Cuyahoga County Public Library, Empowering & Strengthening Ohio’s People, Federal Reserve Bank of Cleveland, Foreclosure Prevention Program, Case Western Reserve University, Neighborhood Progress, Policy Matters Ohio, Cleveland Housing Network, Akron Urban League
Facing the Mortgage Crisis is part of CPB’s Public Service Media Economic Response Initiative.
Take Action
United Way 211
United Way's 211/First Call For Help is a free and confidential information service ready to direct you to the health and human services you need in Cuyahoga, Geauga and Medina Counties.
Just dial 2-1-1. Professional staff are available to help you 24 hours a day, every day.
Save the Dream
The American dream of home ownership is disappearing during these times of crisis. In Ohio, rising unemployment, loss of business, and a bleak economic outlook also threaten that dream.
Help is available. Save the Dream provides information and highlights programs that Ohioians can use to help save the dream of owning a home.
Upcoming Events
ESOP Partners with Area Suburbs to Help Homeowners
Two additional suburbs will hold local intake sessions, in partnership with ESOP (Empowering & Strengthening Ohio’s People), to provide FREE foreclosure prevention counseling to area homeowners. This initiative builds on ESOP’s track record of making its highly successful foreclosure counseling practices more readily available in Cuyahoga County suburbs. ESOP already provides intakes in South Euclid and Lakewood.
Starting Feb. 4, 2010, trained counselors from ESOP will also set up shop once a week in Bedford Heights and Garfield Heights. Please see below for more detailed information on the time and location of these new intake sessions. Homeowners do not have to be city residents but MUST call or email ESOP to set up an appointment.
Bedford Heights, Every Wednesday at 6 p.m.
Jimmy Dimora Community Center, 5615 Perkins Road, Bedford Heights, OH 44146
Garfield Heights, Every Thursday at 1 p.m.
Word of Righteousness Family Life Center, 13455 Dressler Avenue, Garfield Heights, Ohio 44125
To make an appointment or for more information, please call ESOP at 216-361-0718 or email .
ABOUT ESOP:
ESOP is a HUD-certified housing counseling agency. ESOP’s success stems from partnerships with various lenders and servicers, allowing for easy negotiation of loan modifications. ESOP has been nationally and internationally recognized for its campaigns against predatory lenders and for its success obtaining mortgage resolutions that keep families in their homes.
Funding
Funding for the coverage of economy and jobs topics comes from The Cleveland Foundation; The George Gund Foundation; The Kelvin and Eleanor Smith Foundation; The Nord Family Foundation; The Bruening Foundation; The Community Foundation for Lorain County; and The Charter One Foundation.
