Forms

Home Affordable Modification Program Hardship Affidavit

Borrowers use this form to document their financial hardship in connection with the Home Affordable Modification Program. This form was revised in April 2009 to include a section requesting government monitoring information.
Hardship Affidavit

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Chase Modification Forms Here
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http://www.efanniemae.com that provides for free a form #181 “Agreement for modification or Extension of a Mortgage” https://www.efanniemae.com/sf/formsdocs/forms/pdf/servicingtrans/181.pdf . You will need this form along with a strong letter of hardship explaining your circumstances. The letter of hardship is the most important piece of information in the eyes of the lender / bank and it better be valid and truthful.

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26 Responses to "Forms"

  • 5buckeyes says:
    February 4, 2010 at 12:15 am
    Reply I filled out these forms OVER AND OVER again…I have been waiting since November 2008 for help! I can call Chase one day and ask if I was approved for modification and be told "yes" then call again the next day and be told they are missing paperwork and that they have not approved us. I have e-mails from Chase saying I was approved, yet I get collector calls saying they are starting forclosure and I was denied! IT IS UNREAL! They put us in a "3 month" trial program 4/2009. It is now 2/2010 and we are still WAITING! During the trial period, you pay a reduced rate (per a WRITTEN agreement w/Chase) You may not miss a payment or be late. We did everything they asked. Chase has now lopped about $8000 in fees on my mortgage and in order to keep our home they want all that BACK! During the past 10 months they have reported our payments LATE to the credit bureau. (again, they were never late) How is this legal? Can I start a class action suit?? So now I am looking at our family of five losing our home and we never missed a PAYMENT…plus our credit is ruined from the "help" Chase gave us. How can we even get another home? This is just disgusting!
    • William says:
      February 11, 2010 at 11:29 pm
      Reply In april this year (2010) its will be a year, that I've been doing the same dance with chase. My trial period ends april too. I have 1 more scheduled trail payment left. After which I am going to stop and let them take the property. I've been told every excuse in the book by chase and it's a big fn joke. They dont want to help they just want to keep taking our money. Just like you said my credit is ruined now. So im just going to end up walking. Ps, while typing this. I just got called from chase asking for updated paperwork. This will be the 6th time I've sent this shit… Good luck to you and your family. Im going to start looking for house to rent.
    • rick says:
      July 29, 2010 at 7:30 am
      Reply We have learned that… We came up with the conclusion that…chase is not in the business of helping any of their cuurent customers. They are a disgrace to our society and any foundation or perception of helping anyone. They are an evil institution and thats how their owners from the European nation wants it.The people are going to lose their mind if they think is going to assist them.People get a clue chase is not owned by U S interest, they are owned by foreigners who want the U S public to be in turmoil and debt to them until death. God Help US.
  • dawn jones says:
    March 13, 2010 at 6:48 pm
    Reply yeah sane thing happened to us, keep saying they never got the paperwork, now we got foreclosure papers, which they say we we owe 5 months of paymentw which is total bull, we borrowed the money while they “research”, they are chaqrging an additional $1700 attorney fees which I sent $8500 certified funds to reinstate the lown and stop foreclosure b ecause they have lost payments and lied, today they said the address is wrong and have no idea where my certified check is, the reps are illiterate and rude, it doesn’t matter if you write who you talk to, they just lie, i will probably lose my home because of their stupidity and lies, this can’t be legal, you can’t even get their attorney’s to call you back, it s like they are trying to take my home. I wish I would have recorded these calls from the get go, I really don’t know how they can do this. ican’t afford an attorney, i have brought this loan current, even though it isn’t behind to save our home, tired of fighting. something has to be done about these people, i call them on a daily basis and they never note anything and now they have lost $8500 and it was sent where they told me to send it, this is a nightmare $
    • admin says:
      March 13, 2010 at 8:02 pm
      Reply Check to see if the Certified founds have been cashed by Chase. If not go to the bank and tell them the check has been lost. Reissue the check and FedEx it to them. Always keep a paper trail with this company. It is not Ok what they are doing. They are the servicer of the loan let’s see some service.
    • Andrew says:
      March 16, 2010 at 2:08 am
      Reply File a complaint with the Treasury Dept. at helpwithmybank.gov
  • matthew says:
    April 14, 2010 at 10:41 pm
    Reply I filled paperwork in Feb 2010 – I did not fax it into a fax number. I met with someone at a Chase Homeownership Center and made sure that they would not loose my documents that is because I had the representative submit them for me… this person told me that I would call a the number that is on the first page of the form one fills out for the application for the modification – by the way it has changed 5 times! … Seeing all these bad comments does not help my stress level. I have called weekly and each time they say it’s under review. Sometimes they transfer me to another department and verification starts all over again. Sometimes I get transferred to a computer that tells me ” I’m sorry I cannot process your call any further please hang up.” and then hangs up! There are idiots working there that only transfer you. Make sure you write down everyone’s name and department location and ask them for a number of the department that they are trying to transfer you to, or ask them to stay on the line until the other department is there. There are also very smart people working there. One person the last one I will be calling ever again – this last person told me to only contact the person at the homeownership center who originally sent the paperwork in for me…. So there you have it… I called this person again and this person is telling me that only someone in a legal department could touch my file (a department called L.E.E.) Whatever! Now I am waiting for this person to tell me more. You bet I am emailing daily and it is much easier to have an e-mail trail than have to write it down after or while saying it. Besides – I will never have to listen to the stupid music or be transferred into the VOID or have to tell yet again another person getting overpaid by chase I am sure they can’t answer my question and customer service there stinks!
  • talmadge johnson says:
    May 11, 2010 at 12:49 pm
    Reply its so sad to see all these comments i am going though the same shit this can’t be legal every time i call papers are missing contact person has changed ive done two trial periods and still no results.
  • Amy Peterson says:
    May 14, 2010 at 10:44 am
    Reply My mortgage payments keep getting lost in the mail and I am trying to catch up on my payments by paying $287 extra for 6 months. I have even called the post office to find out what is happening to my mailed payments. They state that it might be Chase’s payment processing center. According to the post office many payment centers have automatic machines that open mail and sometimes these machines malfunction and shred the documents.
  • SANDRA DEPALMA says:
    May 22, 2010 at 6:52 pm
    Reply I WOULD LIKE TO JOIN A CLASS ACTION LAWSUIT AGAINST CHASE HOME FINANCE ….HOW CAN I BECOME PART OF THIS LAWSUIT…HELP….
  • Betty Howard says:
    May 26, 2010 at 2:54 pm
    Reply Been trying for modifacation for one year next month. I have fax the same papers time and time again,then they say they have everything they need and its in the underwriters hands.Guess what just got another letter wanting more paperwork.I plan on contacting somebody that cares and it won’t be with Chase Bank because you cannot speak to any one there of any importance. I have exhausted all my 401-k trying to keep my house and still nothing.It looks like I’m not the only one with these problems.Good luck to everyone else.
  • CARIDAD DIAZ says:
    June 5, 2010 at 2:05 pm
    Reply I HAVE MORE OR LESS THE SAME PROBLEM SINCE APRIL I BEEN TRYING TO DO A MODIFICATION ON MY HOUSE, I AM TWO MONTH BEHIND IN MY MORTGAGET, CHASE INSISTED THAT IS THREE, I GOT PROVED THAT IS NOT AND WENT I REQUEST FOR THEM TO SEND ME A BREAK DOWN OF ALL THE PAYMENTS THAT I HAD MADE SINCE FEBRUARY OF 2009, THEY DON’T ANSWERED OR REFUSE TO DO IT SAYING THAT IF THE SYSTEM SAYING THAT I OWN THREE MONTH THAT WHAT I OWN. I THEM CALL AND GOT CONNECTED TO A YOUND LADY FROM THE MODIFICATION DEPARTMEN NAME JENNIFER, AND SHE DID A REVIEW OVER THE PHONE, ABOUT MY SITUATION, AND TOLD ME THAT I QUALIFIED FOR A HOME MODIFICATIO, SHE EVEN TOLD ME WHAT DOCUMENTS I SHOULD SEND, AND I DID. I WENT TO STAPLE STORE AND FAXED PAYING $57. TO FAX THEM ALL THE DOCUMENTS THAT SHE ASK. AFTER THAT, SOMEONE BY THE NAME BRIAN CALL ME AND TOLD ME THAT IN ORDER FOR CHASE TO STOP THE FORCLOSURE, I NEED IT TO SEND BY MAY 30 2010 THE AMOUNT OF $1,500 SO THEY CAN GO AHEAD AND BEGGIN THE PROSESS OF THE MODIFICATION. I TOLD THEM THAT ONE OF THE REASONS WHY I AM ASKING FOR THEY HELP TO MODIFIED MY HOUSE IS BECAUSE THE MONTLY BILL WAS TO HIGH, AND I WAS UNABLE TO MEET THE PAYMENT, THAT I WAS HAVING A HARDSHIP, HE RESPONDS WAS” I DON’T CARE WHERE YOU GET THE MONEY, SELL WHAT EVER YOU HAVE, ASK SOMEONE FOR THE MONEY, BUT $1,500 NEEDED IT TO BE HERE BY THE 30 OF MAY, WELL SOMEONE LEND ME THE MONEY AND I SEND IT TO THEM TOGUETHER WITH A PACKAGE THAT I RECIVED FROM CHASE REQUESTING AGAING ALL THE DOCUMENTS THAT I, ALREADY SEND IT TO JENNIFER. THEY SAND ME A PACKAGE WITH ALL THE DOCUMENTS THAT THEY REQUESTED IN ORDER TO BEGING THE PROCEDURE. I WENT TO CHASE BRANCH AND HAD IT FAXED IN, I HAVE NOT RECIVED ANY ANSWER FROM THEM YET, SO I GO AHEAD AND CALL JENNIFER AND TOLD HER ABOUT WHAT HAPPEN, AND THAT I SEND IN THE MONEY WITH ALL THE DOCUMENTS THAT I HAD SEND HER BEFORE, AND SHE TOLD ME ” WELL NOW YOU HAVE TO SEND AS, ANOTHER $1,500 AND KEEP IT SENT IT EVERY MONTH UNTILL CHASE DECIDED WENT O APROVED YOU FOR THE MODIFICATION, AND ALSO FAX IN THE 4 HARDSHIP AFFIDAVIT, BECAUSE WE NEED IT”. I , ALREADY SEND THE 4 AFFIDAVID WITH THE PACKAGE TWICE. WHAT ARE THEY TALKING ABOUT, I DON’T KNOW. SHE ALSO TOLD ME TO GO TO THIS WEB SITE TO GET IT, TO TELL YOU THE TRUTH, I DON’T KNOW HOW TO GET IT, I DON’T KNOW HOW. I TOLD HER THAT IF I HAVE THE $1,500 TO PAY CHASE EVERY MONTH, I WILL NOT BE WASTING MY TIME SENDING PAPER OR TALKING TO HER. BUT BEFORE THAT CHASE WATCH DOG, CALL ME EVERY DAY INSULTING ME, CALLING ME A DELINQUEN AND TELLING ME THAT THEY WILL FORCLOSURE MY HOUSE. I AM THE ONLY PERSO WHO SUPPORT MY FAMILY, JUST TURN 61 YEAR OF AGE,WITH A LOTS OF HEALTH ISSUES, AND TWO HANDICAP ADULTS CHILD. I AM GOING CRAZY, DON’T NO WHAT TO DO, AN OPERATION TO BE PEFORM NEXT MONTH ON ME, AND DON’T NO WHAT GOING TO HAPPEN WITH MY HOUSE AND MY FAMILY. CHASE KNOW ALL THAT, AND THEY DON’T CARE ABOUT IT. VERY SAD, AFTER OBAMA GAVE MONEY TO THE BANKS INCLUDING CHASE TO HELPS PEOPLE WITH SITUATION LIKE US. I NEED TO FIND MYSELF A LAWYER, BUT DON’T KNOW ANY, AND NO MONEY TO PAY FOR ONE. GOD HAD MERCY ON ALL OF US.
  • Dawn says:
    June 6, 2010 at 9:54 pm
    Reply So should I not bother continuing…15 months in…should I forclose??
    • admin says:
      June 7, 2010 at 7:09 am
      Reply Never give up! Must keep on fighting to the end you could just win. Make sure that you have a log of every stupid thing Chase has done over and over. File complaints with the O.C.C, B.B.B and your states Attorney Generals office. If it goes to court that will even give you more time.
      • Gerry Stewart says:
        June 18, 2010 at 2:09 pm
        Reply I have experienced everything these other people have, and it just gets worse every day. Nothing seems to help, and I’m so stressed out I can’t stand it. What is the OCC? I know the BBB. What do you think they can do? Big Banks, big power. We’re just the ones who keep them in their seats.
  • bruce says:
    June 7, 2010 at 7:53 pm
    Reply We have been working on a mod with cahse for eighteen months im sure we have sent documents at least 50 times we have made three different sets of mod payments and completed them we have been told numerous times that we’re very close to being approved then last month we got a letter saying we didnt provide all the documents I told them today its obvious that they have been given marching orders to shit can as many mods as possible. A friend went through this with chase he finally filed chapter 11 and a judge crammed his mortgage down to an affordable payment. It cut his principle by more than a third I told chase that I’m going to do the same thing. I would gladly get involved in class action lawsuit we have a file 6 inches thick on these apparently bogus modifications plans offered by chase. My wife tripped over this website by accident today. Its full of stories exactly like ours has anybody noticed that the loss mitigation department is the same as the modification department it wasnt two months ago unraveling these morons would’nt be to hard. I like talking to a minimum wage employee who acts pissed. It sure is funny when they make it personal.
  • bruce says:
    June 7, 2010 at 8:26 pm
    Reply Would’nt you like to receive billions of dollars in bailout money because your a moron {not a mogul} tighten up your lending {industry speak for don’t loan any money within america] invest in asia sit on that mountain of cash and pretend your going to use those tax dollars {tarp funds}to back mortgage modifications. What the money was intended for. Than you could give an army of minimum wage employees {people that cant afford homes}marching orders to treat customers like crap because your bank pulled the rug out from underneath the american public with thier money. These banks have stopped the american economy from moving forward and thier enriching themselves with our money tax payers money. Yah good move administration could’nt have seen that one coming. Were asking these banks to loan us our money because they tanked the economy and we’re not qualified. The fix is in
  • bruce says:
    June 7, 2010 at 11:50 pm
    Reply One of the reasons chase isnt forclosing on all these properties is timing if these supposed mods were all forclosed on right now it would fall in the loss column of their books which would affect share price or shareholders and profit. While its in limbo it artificially props up their revenue. They have kind of a dilemma they need the economy to rebound a little so they can forclose and make more money by taking our properties and sell them above todays value and the mortgage value. Heres the problem their in bed with the administration these morons would blow a wet dream so theres no way the economy is going to turn around with these idiots in charge. I predict in november when both houses fall in the election this will give a sign to small business [which employ 70 percent of the country] that there is hope. the economy will start to rebound interest rates will skyrocket and the forclosures will really gain momentum the banks wont be doing any modifications. they will be hedging their bets and taking everybodys property. thats where they will really make money until then all they have to do treadwater and pretend their making modifications to prop up their share value and keep these properties on the good side of the ledger.
  • Rachel Ludke says:
    June 10, 2010 at 11:58 am
    Reply I cant believe what I am reading! I thought it was just me. a year ago I made 2 early mortgage payments to Chase. They kept telling me I never paid, but I did. Even my bank got on the phone to tell them that they took the money out of my account. After alot of research on my end, we discovered that Chase accidentally applied those early payments to my escrow account. Why they didnt catch the big escrow balance and realize it is beyond me. I asked what they could do about it and they said that they couldnt credit the payments to my principal and interest account because they were so diversly applied. They said they would fix the records to indicate that my account was current. Meanwhile, they start the forclosure process on me, as if they never spoke to me about the mistake they made. At one point., when I asked a supervisor where my money went, I was informed that they can do what they want with my money! Eventually, after writing a letter to thier lawyer, the court, Chase, and my lawyer, Chase decidied that they could only fix the issue by putting me in a trial payment plan and then modifying my loan. I would have been happy to keep paying my full mortgage and them wiping my record clean, but was told it was too late. I have been in the trial for almost a year, and strangely, though I pay ontime, the balance gets bigger and bigger. I am told that they cant locate my file and I need to resend documents on a regular basis. Once I got a call saying that thier financial supervisor personally flagged my file as 2 mos delinquent in trial payments, when I was 2 mos ahead. I informed them that I am not surprised that they made such a mistake because they have proven time and time again that no one there can count. I was told today that I have to reapply for the modification, start over AGAIN, or I will lose my home. What can we do about this!!!???
    • Rain says:
      June 18, 2010 at 10:53 pm
      Reply We are going through a similar “issue” with the Mortgage Assistance Program. Hoping (and praying) that the account is brought into good standing/current. I have some addresses, phone and fax numbers that I will post tomorrow. For now, here’s some info: Chase Home Finance, LLC Executive Office Ohio 1-888-310-7995 FAX: 1-866-831-8350
  • stephanie says:
    June 15, 2010 at 3:44 pm
    Reply I’m having the same problem with Chase for over a year now and still no help . My husband had been laid off since November5,2008. and we couldnt make it on unemployemnt for the winter so I called Chase home finance and asked if they could help us by giving us a Loan modification so we could afford our 800.00 a month payment because unemployment only gives u 300 a week and bills and food are more then that a month . Chase told me that they couldnt help me and we always was on time never had late fees. and Now we are so behind in our payments and 9,800 in past due late fees and I really need help and still not being able to get a loan modification .
  • Gerry S. says:
    June 18, 2010 at 2:16 pm
    Reply With all of the exact same problems, I went to the NACA event in February for help. Guess which bank didn’t show up on Saturday? Yes, Chase! While the other banks were helping people, Chase stayed away. I think it’s time we all got together. Help in great numbers. But we’re all over the country and separated. Anyone have any good ideas on what to do? I keep reading all this nonsense that “people aren’t taking advantage” of O’Bama’s modification programs. Well, it’s been 10 months that I’ve been faithfully making my trial payments, and now they tell me I don’t qualify because the government has a formula that we must qualify for. Help!!!!!!!!!! Is anyone out there who can fight this huge ugly monster called Chase????
  • Rain says:
    June 18, 2010 at 10:46 pm
    Reply is there some type of law suit against Chase regarding their “Homeowner’s Assistance Program”? We’ve waited six months with no response. Resubmitted the paperwork and now we are receiving foreclosure notifications! We’ve decided to pay the specified amount in full (creating a lengthy paper trail). Is there truly a way out of Chase’s Assistance program OR are they just going to foreclose on us anyway? Please help.
  • Teresa Pax says:
    July 6, 2010 at 3:46 pm
    Reply amazing…I’m in the same situation as all of you. What is with this mess. Does anyone have a solution to this mess? Does anyone have any numbers to call to get someone who can really help…the Chase customer service, collections, loan modification and foreclosure lines are useless…I’ve been through them all over and over again.
  • Troy Scheer says:
    July 25, 2010 at 10:12 am
    Reply I’ll be damned. I was search online for the Chase Hardship Affidavit, which I’ll be filling out for the 5th or 6th time, and stumbled onto this site. Dealing with the same thing here for well over a year now. Made my “trial period” payments, told we were approved for loan mod. Then “oops, we don’t have all your paper work.” I keep sending docs and Chase never seems to be able to hang on to them. WTF? I’m all for getting together with a class action suit. The way Chase is treating people is ridiculous. I would imagine there are tens of thousands of people dealing with this issue from Chase.
  • linda albertson says:
    July 27, 2010 at 3:11 pm
    Reply Suggestion : email and continually contact your state representatives and congress people and ask them to file a claim with the Treasurers complaint office against Chase and for a file to be set up. Keep bugging your government representatives to look into it.
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