| There are a ton of folks who have tried to obtain | | | | paperwork. Keep all this stuff together so you have |
| Home Affordable Modification Program (HAMP) | | | | access to it at a moment's notice. |
| assistance but were turned down. If you are one of | | | | Okay, now you are really on your way. Next, you |
| those people, take heart because you are not alone. | | | | need to carefully read that HAMP denial letter that |
| If you are feeling frustrated because you did what | | | | you received in the mail. If it is a very general letter |
| you thought you were supposed to do but opened | | | | with few to no details as to why you were denied, |
| your mail and discovered you were denied for HAMP, | | | | you need to call them up and find out the exact |
| here is what to do next. | | | | reasons you were turned down. You also need to |
| First of all, remain calm and get yourself into the right | | | | get information from them about how they go about |
| frame of mind. Nothing will harm your chances of | | | | determining who is accepted into the HAMP program |
| getting the assistance you need and deserve faster | | | | and who is not. Once you know the rules of the |
| than an attitude problem. If you give up, you will get | | | | game, you are much more likely to win, right? |
| nothing. So, take advice from our forefathers and pull | | | | Obviously calling your lender may not be your most |
| yourself up by your own bootstraps and be ready to | | | | favorite thing to do. That's why using a loan |
| tackle this problem. | | | | modification service is highly suggested. They |
| Second, get all your ducks in a row. Get copies of | | | | understand your lender's language and will do all the |
| pay stubs, bank statements, utility bills, car notes, | | | | work for you. They'll be able to figure out why you |
| and the paperwork for all other sources of income | | | | were denied the first time and make the necessary |
| and expenses. Also, find your original mortgage | | | | changes to get the approval you need. |