Before you schedule an appoinment with a HUD-approved housing counselor, you should download the Arizona Foreclosure Information Workbook. This will give you a great headstart when you see the counselor.

When your appointment has been made, be sure to bring the following:

• Written explanation letter detailing the reason for your mortgage delinquency. Be specific and include details, dates, etc.
• 30 days worth of your most current consecutive pay stubs
• Social Security or Pension award letters
• All W2's or 1099's for the past 2 years
• Complete tax returns for the past 2 years (If self employed, need most recent Profit & Loss statement.)
• All correspondence from all mortgage lenders
• Most recent mortgage statement from all lenders
• Copy of your Hazard Declaration page
• Copy of your most current Property Tax Statement from the county
• Copies of Note, Deed of Trust, Truth in Lending, Good Faith Estimate, and Final HUD settlement statement
• 2 months worth of your most current consecutive bank states. (All pages please.)
• A copy of your Notice of Trustee Sale, if applicable