Check List
To get the process rolling, your will be asked for required supporting
documents:
• Fill out the Online Form or Call Reliance at 877.485.1114 for a free
consultation
• Hardship Letter - Include dates, reason for delinquency, what you have done to
attempt to workout problem in the past; also include any supporting documents
for hardship. While our Network Service Reps will be happy to provide guidance
if needed, the short and straightforward letter must be in your own words
• Bank Statements - Last two (2) months.
• Proof of Wages and Salary - Employed - Pay stubs for last two (2) months;
Self-employed - 1040s for the last two (2) years.
• Federal Tax Returns - First and second pages (W2s) from the last two (2)
years.
• Rental Agreement - If the loan modification is not for your primary residence.
What to Expect:
A Reliance Specialist will complete your entire budget, financial analysis, and
application. Once we have a full application, we’ll submit it to our underwriter
for an approval. Approvals typically take 24 hrs. Occasionally, we will ask for
more information so that we have all of the facts to present to your lender. If
we approve your case, we can send you an agreement. Our fees for our services
are paid up front however they are refundable if we are unsuccessful in
obtaining a modification.*
A Reliance Professional will work with your lender, exploring options that will
provide a satisfactory conclusion for all parties involved. In many cases, we’ll
have an answer within 60 days, and sometimes sooner. While we negotiate a
solution, you can relax and focus on more important tasks, such as work and
family.
