--- title: Are You Sending The Same Documents For Your Loan Modification?! description: One of the most common complaints from homeowners trying to get a loan modification is that they have to keep sending documents that they've already submitted. image: https://blog.amerihopealliance.com/hubfs/DrownPaperwork.jpg --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## Are You Sending The Same Documents For Your Loan Modification?! \[fa icon="clock-o"\] Monday, November 20, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [loan modification application](https://blog.amerihopealliance.com/blog/topic/loan-modification-application) ![One of the most common complaints from homeowners trying to get a loan modification is that they have to keep sending documents to their loan servicer that they've already submitted.](https://blog.amerihopealliance.com/hs-fs/hubfs/DrownPaperwork-091093-edited.jpg?width=400&name=DrownPaperwork-091093-edited.jpg "One of the most common complaints from homeowners trying to get a loan modification is that they have to keep sending documents to their loan servicer that they've already submitted.")One of the most common complaints from homeowners trying to get a loan modification is that they have to **keep sending documents that they've already submitted to their loan servicer**. In desperate need of a loan modification to save their home and avoid foreclosure, they are stuck in a sea of paperwork, bureaucracy, and uncertainty that seems like it will never end. ## **Why does this happen?** Borrowers who want a loan modification are required to submit an application to their loan servicer, called a **request for mortgage assistance (RMA)**, that includes many financial documents. # Loan Modification Documents Servicers can have different requirements, but some of the common documents you will likely be required to submit with an RMA include:  - Utility bill - [Hardship letter](https://blog.amerihopealliance.com/blog/why-you-should-write-a-loan-modification-hardship-letter) - Two months bank statements - IRS Form 4506-T (request for transcript of tax return) - Financial worksheet **If you are a W-2 employee:** - Pay stubs showing last 30 days of income - W-2 (if W-2 applicable) **If you are self-employed:** - Year-to-date profit and loss - Last 2 years business tax returns It's a lot of work to gather all of those documents, then scan or fax them to the loan servicer. Often **homeowners don't submit a complete package**. Their [application](https://blog.amerihopealliance.com/blog/what-is-a-request-for-mortgage-assistance-rma) is missing some documents, so it's not accepted as complete and reviewed. # "Completed" Application Scam ![One of the most common complaints from homeowners trying to get a loan modification is that they have to keep sending documents to their loan servicer that they've already submitted.](https://blog.amerihopealliance.com/hs-fs/hubfs/Paperwork-723272-edited.jpg?width=375&name=Paperwork-723272-edited.jpg "One of the most common complaints from homeowners trying to get a loan modification is that they have to keep sending documents to their loan servicer that they've already submitted.")Servicers have been known to take advantage of **one missing document to say an RMA isn't complete** so that they don't have to review it and can move forward with foreclosure, which has been called the [“completed” application scam](https://blog.amerihopealliance.com/blog/was-your-loan-modification-denied-because-of-the-complete-application-scam). **Banks are not supposed to move forward with foreclosure while a loan modification is under review.** That's called [dual-tracking](https://blog.amerihopealliance.com/blog/banks-still-dual-tracking-despite-restrictions), but if the application is never accepted, it's not dual-tracking. Once the RMA is complete the best case scenario would be that it's promptly accepted, reviewed, and you are offered a great loan modification with an affordable monthly payment and reduced principal. That would be great, but more often than not, the **borrower's work is not done after their application is accepted.** They have to keep sending documents they've **ALREADY FREAKIN SUBMITTED!** # The Reason You Have to Resubmit Documents for Your Loan Modification **There is one big reason that you have to resubmit documents: they are not the most recent versions of those documents available.** ![TimeRolling.jpg](https://blog.amerihopealliance.com/hs-fs/hubfs/images/TimeRolling.jpg?width=300&name=TimeRolling.jpg "TimeRolling.jpg")Bank statements and income verification documents have to be updated **every 30 days**, but few loan mod applications are approved within 30 days. It usually takes at least two to three months, so in all likelihood you'll be sending updated versions of some documents at least once. After doing all the work of applying, having to **resubmit documents** is often a cause of frustration, which turns to panic, especially if a [sale date](https://blog.amerihopealliance.com/blog/foreclosure-summary-judgment-hearings-motions-sale-dates-oh-my) is approaching. Foreclosure sales are supposed to be canceled when a complete loan modification application is accepted for review at least **37 days before a sale**. So getting the application accepted before that time is vitally important. # What to Do About It You have to be **proactive about getting a loan modification and saving your home from foreclosure**. The person at your loan servicing company might have a few hundred loan mod applications that they're working on, and they are known to [give applicants the runaround](https://blog.amerihopealliance.com/blog/dont-put-up-with-your-mortgage-servicer-giving-you-the-runaround). Don't just hope that they will prioritize your case and keep you up to date on all the developments. **Call them regularly** to see what's going on and to remind them what you want. And consider hiring a professional, such as a [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/if-you-are-your-own-foreclosure-defense-attorney-you-have-a-foolish-client), to defend you from foreclosure and help you get a loan modification. Our firm shoulders the burden of following up wtih lenders and making sure documents are up-to-date so that our clients don't have to. There's a lot to know about foreclosures and loan modifications. What you don't know can hurt you. Someone with experience may be able to help you increase your odds of getting what you want or **get a better deal than you could have gotten on your own**.     [![Download the free checklist for what to look for in a foreclosure defense attorney.](https://no-cache.hubspot.com/cta/default/161513/10bf5649-0cee-4115-b80c-2132362ca06a.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/10bf5649-0cee-4115-b80c-2132362ca06a)   *Image courtesy of Sira Anamwong at FreeDigitalPhotos.net* - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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