While these instructions are directed from HSBC to their borrowers, the same information should apply to agents helping the sellers:

1. Contact HSBC first

Contact an HSBC Mortgage Servicing Professional at 800-395-3489 to discuss all the available options and explore which option best fits your situation (Recommended option)

2. Gather Additional Required Documents

The following documents are required in order for HSBC Mortgage Services to assess your modification request. If we do not receive the required documentation within fifteen (15) calendar days from the date you request payment assistance, we will consider your request for modification assistance incomplete and it will be denied.

Regular Pay

  Two (2) sequential pay stubs (within the last 60 calendar days from the date you requested the modification).

Business for Self / Self Employed

  Three (3) month's most recent bank statements showing all transaction details or a complete tax return from the prior year, including Schedule C or K.

No Income

  A written statement indicating, for one or more applicant(s), that they are currently not receiving income.

Unemployment / Public Assistance

  Most recent unemployment / public assistance pay stub or benefit letter (within the last 60 calendar days from the date you requested the modification).

Pensions & Annuities/SSI/Disability (Short or Long Term)

  Current year's Social Security or Disability benefit or awards letter, Pension/Annuities statement or

  One (1) month's bank statement showing statement date, customer name, and deposit line item (within the last 60 calendar days from the date you requested the modification) and / or

  A copy of the disability statement or pay stub (within the last 60 calendar days from the date you requested the modification)

Rental Income

  Entire tax return for the prior year with Schedule E.

Child Support Alimony, or Separate Maintenance Income (Please be advised that child support, alimony, or separate maintenance income that you receive is not required to be disclosed unless you would like it to be included for consideration in your modification application.)

  If you wish to include this information, please provide a copy of the court order or a notarized letter from the ex-spouse validating income.

Next Steps

Due to the various types of loans we service and to prevent delays in processing, you must call 1-800-395-3489 to obtain instructions on how to send your documents. When we have the required documents, your loan will be assigned to one of our Mortgage Servicing professionals for review. You may be asked for additional documentation as we evaluate your request. Please allow approximately ten (10) business days for processing.

Our receipt of your request for payment assistance should not be considered as an agreement to delay or postpone any collection activity, up to and including foreclosure.

For questions regarding your request, please contact us at 1-800-395-3489.