1. Unemployment - If you have lost your job, you can obtain a letter from your previous employer verifying that you are no longer employed.
2. Reduced Income - If your income has been reduced, obtaining a letter from your employer verifying less hours and less pay would be very helpful.
3. Illness - A letter from your physician verifying time off work.
4. Disability - If you have been disabled, copies of disability checks.
5. Payment Increase - Verification from your lender showing an increase in payment or a copy of the Note showing the increase.
6. Death - If there has been a death in the family (spouse or family member on loan) provide a death certificate.
7. Job Relocation - Provide a letter from your employer with terms of your relocation.
8. Medical Bills - A copy of any bills or checks paid for such medical expenses.
9. Military Service - A copy of any service paperwork showing the length of your commitment.
10. Separation - If you are legally separated, provide copies of documents or agreement showing the need to sell the property.
11. Failure of a Business - Provide a letter from your tax accountant explaining the current financial status of your business.
12. Property Damage - Bills or any bids which would validate any repairs necessary and/or an explanation of any damage.
Note: Every situation is unique and other documentation may be required not listed here. Contact us for further information or with any questions you may have about a possible short sale.
