[Mary Salzer]

Welcome and thank you for joining the forum.....

Now that you are in modification the terms and circumstances are entirely different, this is predicated on income and expenses. In order to qualify for modification you have to provide the income documentation with the expense documentation. They will want 2 years tax returns in most cases as they want to establish that the income is stable and can be expected to continue. All of the Stated loans are required at this level to provide income. It is not the original terms now, this is a new request that must be supported by real income.