The process
Know what to expect before you begin.
No surprises and no jargon. Here is the shape of the process from the first conversation onward.
- 01
The first conversation
A short call about what's happening: where the loan stands, what correspondence you've received and what you'd like to happen. Nothing to prepare.
- No documents required to start
- Questions welcome
- Usually 15–20 minutes
- 02
Reviewing your situation
We go through the specifics — loan type, servicer, delinquency status, hardship and property details — so the picture is accurate before anything else happens.
- Timeline of what has occurred
- Deadlines identified
- Open questions written down
- 03
Getting documents in order
We identify what documentation is relevant and help you organize it, so a review isn't delayed by missing or inconsistent paperwork.
- Checklist for your situation
- Consistency check
- Careful handling of sensitive items
- 04
Looking at possible paths
Your circumstances are reviewed to better understand which mortgage-relief paths may be appropriate to pursue. Availability depends on eligibility, program guidelines and servicer or investor approval.
- Options explained plainly
- Trade-offs discussed
- No outcome promised
- 05
Next steps and follow-through
You'll know what happens next, who needs what, and by when — including how servicer requests are typically handled as the process continues.
- Clear next actions
- What the servicer may ask for
- Questions answered as they come up
Document checklist
What to gather before the first conversation.
Nothing here is required to start. Having it nearby simply makes the first review more useful.
- Most recent mortgage statement
- Any notices or letters from your servicer
- Recent pay stubs or other proof of income
- Recent bank statements
- Tax information
- Homeowners insurance information
- Property-related information
- A short description of the hardship and when it began
A note on sensitive documents
Don't send Social Security numbers, full account numbers, card numbers or banking credentials by email. Mortgage Relief Solutions will tell you the appropriate way to provide anything sensitive.
Before you begin
What homeowners usually ask first.
Educational information on this website is general in nature and should not be interpreted as legal, tax or financial advice.
Start by understanding your options.
Call or email and we'll talk through your mortgage situation and what may be worth exploring.
No pressure. No obligation to explore your options.