Please read the steps to completing a Borrower Response Package at www.mccuemortgage.com/help before completing this Mortgage Assistance Form. All documentation is required. We are unable to appropriately review unfinished forms.
Required Income and Asset Documentation
Upload the following applicable documents here:

Total Attached Data Must Not Exceed 70 MB





Tax Returns

  • A tax return copy is required for all borrowers regardless of the source of income.
  • Provide a copy of the most recent tax return for each borrower. If filing jointly, provide the joint return, including all comlpete schedules.
  • If you have not filed the most recent year’s tax return, provide a copy of the most recent year for which filing has been completed.
  • If you cannot locate your most recent tax return, you may request a free transcript from the IRS at https://www.irs.gov/individuals/get-transcript or by calling 1-800-908-9946.

Deposit Account Statements

  • For each borrower, copies of your last two statements for all checking and savings accounts.
  • An online printout is acceptable as long as the web address for your bank or credit union is either at the top or bottom of the printed page, and we can verify the ownership of that account from the printouts supplied.
  • A copy of your latest investment account statement that can also be used to document investment income.

Do you earn a wage?

  • For each borrower who is a salaried employee or hourly wage earner, include the two most recent pay stubs that reflect at least 30 days of year-to-date earnings for each borrower.

Are you self-employed?

  • For each borrower who receives self-employed income, include a complete, signed individual federal income tax return and, as applicable, the business tax return; AND either the most recent signed and dated quarterly or year-to-date profit/loss statement that reflects activity for the most recent three months; OR copies of bank statements for the business account for the last two months evidencing continuation of business activity

Unemployment Income

“Other Earned Income” such as bonuses, commissions, housing allowance, tips or overtime

  • Provide reliable third-party documentation describing the amount and nature of the income (e.g. employment contract or printouts documenting tip income)

Social Security, disability or death benefits, pension, public assistance or adoption assistance

  • Documentation showing the amount and frequency of the benefits such as letters, exhibits, disability policy, or benefits statement from the provider and
  • Documentation showing receipt of the payment such as two most recent bank statements

Rental Income

  • Copy of your most recent federal tax return with all schedules, including Schedule E- Supplemental Income & Loss. Rental Income for qualifying purposes will be 75% of the gross rent reduced by the monthly debt service on the property if applicable OR
  • If rental income is not reported on Schedule E, provide a copy of the current lease agreement with either bank statements or cancelled rent checks demonstrating receipt of rent.

Alimony, child support or separation maintenance payments as qualifying income*:

  • Copy of divorce decree, separation agreement, or other written legal agreement filed with a court, or court decree that states the amount of the alimony, child support, or separation maintenance payments and the period of time over which the payments will be received, AND
  • Copies of your two most recent bank statements or other third party documents showing receipt of payments.

*NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.

Debt Documentation

  • For each utility, please provide a copy of your most recent paid bills. Include last paid water, oil, gas, electric and phone if applicable.
  • An online printout is acceptable as long we can verify the ownership of that account from the printouts supplied.
  • Include a copy of your last paid auto insurance bill for all vehicles owned.
  • Include evidence of child care expenses from last paid bill.

 

Borrower Hardship Statement and Required Documentation
I am requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage relief options.

Date my hardship began:

I believe my situation is:

Please provide a written explanation with this request describing the specific nature of your hardship.
I am having difficulty making my monthly payment because of reasons set forth below...

The following documentation is required to support the following hardships.


Divorce or legal separation

  • Copy of divorce decree, signed by the court OR
  • Separation Agreement, signed by the court OR
  • Current credit report evidencing divorce, separation or non-occupying borrower has different address
Total Attached Data Must Not Exceed 70 MB

Death of Borrower or primary or secondary wage earner in the household

  • Death Certificate
Total Attached Data Must Not Exceed 70 MB

Long Term or Permanent Disability; Serious illness of a borrower /co-borrower or dependent family member

  • Doctor’s certificate of illness or disability OR
  • Medical Bills OR
  • Proof of monthly insurance benefits or government assistance (if applicable)
Total Attached Data Must Not Exceed 70 MB

Disaster (natural or man-made) which adversely impacts the property or Borrower’s place of employment

  • Insurance Claim OR
  • Federal Emergency Management Agency grant or Small Business Administration loan OR
  • Proof of monthly insurance benefits or government assistance (if applicable)
Total Attached Data Must Not Exceed 70 MB

Distant Employment Transfer

  • Written employer notification
  • Military Service Orders
Total Attached Data Must Not Exceed 70 MB

Business Failure

  • Tax Return from previous year (including all schedules) AND
  • Proof of business failure supporting by one of the following:
    • Bankruptcy filing on the business
    • Two months most recent bank statements for the business account evidencing cessation of business activity
    • Most recent signed and dated quarterly of year to date profit and loss statement
Total Attached Data Must Not Exceed 70 MB

Borrower Information
Borrower Full Name:Coborrower Full Name:
Borrower Social Security Number:Coborrower Social Security Number:
Property Address:
Property City, State & Zip:
Mailing Address: (if different)
Mailing City, State & Zip:
Borrower Home Phone:Coborrower Home Phone:
Borrower Work Phone:Coborrower Work Phone:
Borrower Mobile Phone:Coborrower Mobile Phone:
Borrower Email:Coborrower Email:
Borrower # of Dependents: (excluding self)Coborrower # of Dependents: (excluding self)
Has the borrower ever filed Bankruptcy?
If yes, please provide documentation.

Total Attached Data Must Not Exceed 70 MB

Has the coborrower ever filed Bankruptcy?
If yes, please provide documentation.
I/We want to:  
Property Type:Occupancy Status:
*Supply copy of Lease or written statement of rental agreement
Housing Counseling Information
Have you spoken with a credit or housing counseling agency?

If yes, please supply contact info and upload this 3rd party authorization form.

Total Attached Data Must Not Exceed 70 MB

Agency Name:
Counselor's Name:
Counselor's Phone:
Counselor's Email Address:
Monthly Income
Please note all sources of income that you wish to have considered for repaying this loan.
 Borrower:Coborrower:Contributing Household Member:
Are you currently employed?
Employer's Name
Employer's Address, City, State & Zip
Employer's Phone






Position Description:
Work Hours per week: (eg. 37.5)
Length of Employment: (eg.3y 2m)
Monthly Gross Wages:
Base wages before taxes
$$$
Overtime Wages:$$$
Unemployment Income:
$$$
Tips, Commissions, Bonuses or Self-Employed Income:
$$$
Child Support**:
$$$
Alimony**:
$$$
Food Stamps:
$$$
Welfare:
$$$
Non-taxable Social Security/SSDI:
$$$
Taxable Social Security benefits or other monthly income from annuities or retirement plans:
$$$
Rental Income:
$$$
Other Income:
$$$
Total Gross Income by Contributor:
$$$
Total Gross Monthly Income for all sources:
$  
Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.
Borrower Monthly Expenses
 Total Monthly PaymentBalance DueMonths Delinquent
First Mortgage Payment or Rent Expense:$$
Second Mortgage Payment:$$
Down Payment Assistance Loan:$$
Other Loan(s)/Lien(s) on Property:


$
$
$
$
$
$


Condo or Homeowner's Association (HOA) Fees:
Please include special assessments if applicable.
$$
Condo Management Company, Address & Phone:
Vehicle Expenses: Loans/Leases/Maintenance
Vehicle Make, Model & YearValueCreditorTotal Monthly PaymentBalance DueMonths Delinquent
$$$
$$$
$$$
Gas and parking costs:$  
Auto Insurance:$$
Credit Card/Revolving Credit
Name of CreditorTotal Monthly PaymentBalance DueMonths Delinquent
$$
$$
$$
$$
$$
$$
Other Expenses
Description of ExpenseTotal Monthly PaymentBalance DueMonths Delinquent
Student Loan:
Student Loan:
$
$
$
$

Alimony Payment:*
(Date Terminates: mm/dd/yy)
$$
Child Support Payment:*
(Date Terminates: mm/dd/yy)
$$
Utilities:
Heating/Cooling
Electric/Gas/Other
Water/Sewer
$
$
$
$
$
$


Phone:$$
Food: (max $400/mo)$$
Child Care:$$
Other:$$
Other:$$
Other:$$
Total Monthly Payment for the Household:$
*Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.
Assets
DescriptionOwner (Borrower, Co-Borrower or Joint)BalanceCompany/ Depository Institution)
Checking Account$
Savings$
Retirement Accounts (401K, IRA, Etc.)$
Stocks, Bonds, Money Market$
Other (specify): $
Other (specify): $
Other (specify): $
Total Assets for the Household:$ 
Consent and Certification Statement
Your acknowledgement of the above information is required to complete your submission. When you accept the terms below, you will make important certifications, representations and agreements, including certifying that all information provided is accurate and truthful and any identified hardship has contributed to your submission of this request for mortgage relief. Please read the following consent and certification terms carefully!

We/I agree

* required field