Dear Customer(s):

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P.O. Box 24610
Oklahoma City, OK 73124-0610
Dear Customer(s):
Enclosed is a loan modification package being provided in response to your request for financial
assistance. As your mortgage servicer, Caliber Home Loans, Inc. (“Caliber”) would like to try to assist
you. In order to complete our evaluation, we will need a complete package within 30 days of the date of
this letter. Failure to submit all necessary information within the time afforded could result in potential
denial of the loan modification or other loss mitigation alternatives, continuation of pending foreclosure
action, or referral to foreclosure.
The following documents are required to be dated within 90 days of Caliber’s receipt of the documents:



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Letter of Explanation (Hardship Letter) signed by all borrowers.
Completed Borrower Monthly Expense Form (enclosed).
Documentation to verify all income for each borrower (including alimony, child support or rental
income).

Borrowers who are salaried employees must provide a copy of one (1) months recent pay
stub. The stub must indicate the year-to-date income and pay period.

Self-Employed or commission borrowers (1099) must provide a copy of the most recently
filed Federal tax return with all schedules and the most recent quarterly or year-to-date
profit/loss statement. You must also provide a copy of three (3) months recent and
consecutive business bank statements, or personal bank statements if no business account
exists. If organized as a corporation or partnership, you must provide the most recently filed
corporate or partnership returns with all schedules.

Borrowers who have unemployment income must provide a copy of the weekly benefit
amount and the remaining term or dollars. You must also provide a copy of three (3) months
recent and consecutive bank statements.

For each borrower who has income from social security, alimony, child support, pension,
rental income, etc., you must provide a copy of your Award letter and a copy of three (3)
months recent and consecutive bank statements. If you receive rental income, you must
provide a copy of the current lease or rental agreement.
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DO NOT send original documents. Original documents cannot be returned and may be destroyed.
Please indicate your loan number on each document and send to the following address, fax number or
email.
Caliber Home Loans, Inc.
Attn: Loss Mitigation
13801 Wireless Way
Oklahoma City, OK 73134
Email: [email protected]
Fax: 405-608-2011
Your request will be reviewed within 30 days of receipt of all requested documentation. If you have any
questions, please contact us at 800-621-1437. Our hours of operation are 9:00 a.m. to 8:00 p.m., Central
Time, Monday through Thursday; and 9:00 a.m. to 7:00 p.m., Central Time, on Friday.
Sincerely,
Loan Resolution Department
Caliber Home Loans, Inc.
Enclosures
Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge: If you are a
debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been
discharged from this debt by a Federal Bankruptcy Court, this communication is not an attempt to
collect a debt but is sent for informational purposes only or to satisfy certain Federal or State
legal obligations.
THIS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A CONSUMER DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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Borrower’s Monthly Expenses
Name ____________________________ Loan No. ___________________ Date _______________
Home _________________ Cell ____________________ Best Time to Contact ________________
E-Mail _____________________________________________
E-Mail address may be used to provide you with documentation throughout the modification process.
Description
Monthly
Payment
Housing Loans
1st Mortgage
2nd Mortgage
Housing Expense
Property Taxes
Homeowners Insurance
HOA Fees
Other Loans
#1
#2
Car 1
Car 2
Credit Cards
#1
#2
#3
#4
Utilities
Gas/Electricity
Water/Sewer
Cable TV
Telephone/Cell
Medical Expenses
Health Insurance (if you pay)
Life Insurance (if you pay)
Doctor/Dentist Bills
Prescriptions
Hospital Bills
Car Expenses
Gasoline
Auto Insurance
Parking
Maintenance
Food
Family at Home
School Lunches
Work Lunches
Clothing
New Clothes/Shoes
Dry Cleaning
Entertainment
Movies/Dining Out
Vacations
Spending Money
Other
Church
Clubs or Union Dues
Sports/Hobbies
Balance
Due
# of months
behind
Other
(Please List)
Total
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