Bring these documents to your Housing Counseling Meeting
Verification of income for all household members
- Most recent federal tax return or W2s
- Pay stubs (two months)
- Proof of non-work income (alimony, child support, SSI, Social Security)
Documentation of Current Household Expenses
- Two most recent bank statements
- Copies of recurring bills (utility bills, car loan payments, credit cards)
- Evidence of other major expenses such as health insurance, tuition, etc.
Copies of Any Foreclosure Notices or Court Notices Received
- Foreclosure complaint
- Sheriff’s Sale Notice
- Other court notices
Copies of Your Loan Documents for All Loans on Your Home
- First mortgage
- Home equity loan (if applicable)
- Second mortgage (if applicable)
Other important documents that may apply to your situation
- Current agreements you may already have worked out with your lender
- Proof of any expected income (from a legal settlement, inheritance, or new job)
- Letter describing any hardship that led to your financial problems (examples: recent divorce, injury or illness, temporary job loss)
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