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Don’t wait. A conversation with your Wells Fargo home preservation specialist - your dedicated point of contact throughout the process - will help you understand if you qualify for one of these approaches.
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Yes | Yes |
Traditional sale: Depending on the current value of your property, you may be able to sell your home to pay off your mortgage and retain any equity.
Tip
Are you still current on your mortgage payments? Consider refinancing your mortgage if you want to lower your payments or switch to a fixed-rate loan.
Related information
- Learn the basics
- Understand the process
- Homeowner assistance documents
- Educational videos
- FAQs
Call 1-800-678-7986 for help with your payment issues.
Help for military personnel
Active-duty service members and their families facing payment challenges may qualify for special military benefits.
Learn more
Our commitment to homeownership
Learn how Wells Fargo is supporting sustainable homeownership.
Learn more
These documents help us understand your financial situation and the reasons for your hardship. You won’t need to provide all of them — your home preservation specialist will let you know which ones are needed in your situation.
Hardship Letter (Letter of Hardship)
Explain in a letter why you're having trouble paying for your mortgage.
Mortgage Assistance Application (PDF)
Use this document if you are applying for mortgage assistance to provide details about yourself, co-borrowers, previous loan modification applications, the property, and your hardship.
Mortgage Assistance Application with Expenses and Debt (PDF)
Explains the reasons for your hardship and verifies information about you, co-borrowers, previous loan modification applications, the property, and other loan modification applications you’ve made. It also includes a form to list
your expenses and debt.
These documents tell us about your income sources. You won’t need to provide all of them — your home preservation specialist will let you know which ones are needed in your situation.
IRS-related, income-verification documents
1099 (IRS Form 1099)
Provide this form to show your income from
investments, tax refunds, retirement income, and other sources.
Distribution Statements
Provide these documents to show income you receive from a 401(k), IRA, annuity, profit-sharing, pension, disability plan, trust, or other retirement plan.
Federal Tax Return
(1040/1040EZ)
Provide a complete federal income tax return, including all forms and schedules, to show your income from all sources.
IRS Form 4506-C and Borrower Consent Form
Provide these forms to give Wells Fargo permission to request your tax return information, and to allow us to obtain, use, and share this information.
W-2
Confirm wages paid and taxes withheld by your employer with this document.
W-8 (IRS Form W-8)
Complete this form if you are a non-resident alien who qualifies for certain withholding exemptions.
Income from employment or investments
Financial Statements (Profit-and-Loss Statements)
Submit bank and tax statements to show self-employment income.
Lease or Rental Agreement
Provide this document to show income you’re receiving from a property.
Pay Stub
Verify your income from your job with recent pay stubs.
Rental Income
Submit bank statements or tax returns to show income you receive from rental property.
Income or expenses related to sources other than employment or
investments
Benefits Letters
Submit a child support, disability insurance, Social Security, or unemployment benefits statement to verify income from sources other than employment or investments.
Canceled Checks
Send copies of canceled checks to show expenses you have paid.
Child Support
Provide bank or tax statements to show child support payments.
Contribution Letter (Non-Borrower Financial Contribution)
Provide a letter from anyone living in your home to show the person’s contribution to its maintenance.
Foster Care Contract
Verify financial arrangements for foster care with this document.
Gift Funds (Gift Letter)
Explain in a letter the source of funds you receive as gifts.
Guardianship (Conservator Agreement)
Provide this agreement to show you have the legal authority to act on someone else’s behalf.
These
documents help verify your assets and liabilities and give us insights into your financial situation. You won’t need to provide all the documents listed here — your home preservation specialist will let you know which ones are required in your situation.
Bank/Asset Statements
Provide personal banking and brokerage statements to show banking and investment account balances.
Bill of Sale (Sales Contract) (Conveyance Contract)
Provide this document to show sales price for personal property other than real estate.
Divorce Decree
Submit this document to show your obligations under your divorce agreement for paying mortgages and other debts, along with various income agreements.
Household Expenses and Debts
Submit this document to show your monthly household expenses and outstanding debts.
Payoff Statement
Submit this statement to show how much principal, interest, and miscellaneous fees are needed to pay off your outstanding mortgage balance.
Property Tax Statement
Submit this document to show tax charges, exemptions, abatements, and any tax credits you
have on your property.
Real Estate Schedule (Real Property Schedule) (REO) (Schedule of Real Estate Owned)
Submit this form to show income and debt associated with properties you own.
Separation Agreement
Submit this agreement to show how much
you’re required to pay for various debts, including mortgages, and income you receive as part of the separation.
Trust Agreement
Provide this document as proof of a trust’s assets that can be used to make mortgage payments.
These documents allow you to verify your identity and give permission for certain actions. You won’t need to provide all the documents listed here — your home preservation specialist will let you know which ones are required in your situation.
Attorney Consent Form
Attorneys should use this form to tell us how we can communicate with clients during a bankruptcy, mediation, or litigation proceeding.
Borrower's Certification/Verification
Use this form to certify that all of the information you've provided on your application is true and correct
Home Equity Request for Restriction
Use this form to give Wells Fargo permission to restrict future advances from your home equity account.
Personal Identification
Confirm your identification with a government-issued photo ID.
Power of Attorney
Authorize someone to act on your behalf in private affairs, business, or other legal matters with a power of attorney (POA).
Power of Attorney Affidavit
Complete this form to authorize someone to act on your behalf in
private affairs, business, or other legal matters with a power of attorney (POA).
Proof of Occupancy
Submit these documents to prove you are living in your home.
Third-Party Authorization
Complete this form to authorize us
to speak with someone else about your loan application and your personal information related to the loan application.
All of the documents that might be needed during the homeowner assistance application process are provided here. You won’t need to send all of them — your home preservation specialist will let you know which ones are required in your situation.
1099 (IRS Form 1099)
Provide this form to show your income from investments, tax refunds, retirement income, and other sources.
Attorney Consent Form
Attorneys should use this form to tell us how we can communicate with clients during a bankruptcy, mediation, or litigation
proceeding.
Bank/Asset Statements
Provide personal banking and brokerage statements to show banking and investment account balances.
Benefits Letters
Submit a child support, disability insurance, Social Security, or unemployment benefits statement
to verify income from sources other than employment or investments.
Bill of Sale (Sales Contract) (Conveyance Contract)
Provide this document to show sales price for personal property other than real estate.
Borrower's Certification/Verification
Use this form to certify that all of the information you've provided on your application is true and correct.
Canceled Checks
Send copies of canceled checks to show expenses you have paid.
Child Support
Provide bank or tax statements to show
child support payments.
Contribution Letter (Non-Borrower Financial Contribution)
Provide a letter from anyone living in your home to show the person’s contribution to its maintenance.
Distribution Statements
Provide these documents to show
income you receive from a 401(k), IRA, annuity, profit-sharing, pension, disability plan, trust, or other retirement plan.
Divorce Decree
Submit this to show your obligations under your divorce agreement for paying mortgages and other debts, along with various income agreements.
Federal Tax Return (1040/1040EZ)
Provide a complete federal income tax return, including all forms and schedules, to show your income from all sources.
Financial Statements (Profit-and-Loss Statements)
Submit bank and tax statements to show
self-employment income.
Foster Care Contract
Verify financial arrangements for foster care with this document.
Gift Funds (Gift Letter)
Explain in a letter the source of funds you receive as gifts.
Guardianship (Conservator Agreement)
Provide this agreement to show you have the legal authority to act on someone else’s behalf.
Hardship Letter (Letter of Hardship)
Explain in a letter why you're having trouble paying your mortgage.
Home Equity Request for Restriction
Use this form to give Wells Fargo permission to restrict future advances from your home equity account.
Household Expenses and Debts
Submit this document to show your monthly household expenses and outstanding debts.
IRS Form 4506-C and Borrower Consent Form
Provide these forms to give Wells Fargo permission to request your tax return information, and to allow us to obtain, use, and share this information
Lease or Rental Agreement
Provide this
document to show income you’re receiving from a property.
Mortgage Assistance Application
Use this document if you are applying for mortgage assistance to provide details about yourself, co-borrowers, previous loan modification applications, the property, and your hardship.
Mortgage Assistance Application with Expenses and Debt (PDF)
Explains the reasons for your hardship and verifies information about you, co-borrowers, previous loan modification applications, the property, and other loan modification applications you’ve made. It also includes a form to list your expenses and debt.
Payoff Statement
Submit this statement to show how much principal, interest, and miscellaneous fees are needed to pay off your outstanding mortgage balance.
Pay Stub
Verify your income from your job with recent pay stubs.
Personal Identification
Confirm your identification with a government-issued photo ID.
Power of Attorney
Authorize someone to act on your behalf in private affairs, business, or other legal matters with a power of attorney (POA).
Power of Attorney Affidavit
Complete this form to authorize someone to act on your behalf in private affairs, business, or other legal matters with a power of attorney (POA).
Proof of Occupancy
Submit these documents to prove that you are
living in your home .
Property Tax Statement
Submit this document to show tax charges, exemptions, abatements, and any tax credits you have on your property.
Real Estate Schedule (Real Property Schedule) (REO) (Schedule of Real Estate Owned)
Submit this form to show income and debt associated with properties you own.
Rental Income
Submit bank statements or tax returns to show income you receive from rental property.
Separation Agreement
Submit this agreement to show
how much you’re required to pay for various debts, including mortgages, and income you receive as part of the separation.
Third-Party Authorization
Complete this form to authorize us to speak with someone else about your loan application and your personal information related to the loan application.
Trust Agreement
Provide this document as proof of a trust’s assets that can be used to make mortgage payments.
W-2
Confirm wages paid and taxes withheld by your employer with this document.
W-8 (IRS Form W-8)
Complete this form if you are a non-resident alien who qualifies for certain withholding exemptions.