Under the new Peresident Obama's affordable loan modification program you don't have to be delinquent on your home loan in order to qualify. Here are the most frequently used  forms your lender will request from you:

1. Finanacial hardship letter affidafit (notarized by a notary public is preffered)

2. IRS forms 4506-T (authorization to release tax information from the IRS to your lender)
3. Oe month of most recent paystubs from your employer or quaterly profit and loss stattemet if you are self employed
4. If you are retired, 1099 forms from you retirement or pension plan
5. most recent utiliy bills (at least two) to etablish your home is your main residence
6. Most recent bank statements and a list of other liquid assets to confirm your financial hardship
7. Authorization to comunicate If you are using a 3rd party to communicate with the lender on your behalf.

Remeember you do not need a third party to negotiate your loan motification. Participating lenders in the Obama affordable loan program will do the modification for free as long as you quaify.

See test for qualifications