It’s important to get in touch with VHDA as soon as possible when you start having trouble making house payments. In many cases contacting us early in the process will make it easer for us to help you to work out a plan to get you back on track, depending on your situation and how far behind you are.
If you’re having financial difficulties and want to be considered for a VHDA Loss Mitigation program financial information is required.
Online Entry
Online entry of your financial information can easily be done. You still need to download some paperwork and submit it and the other required information.
1. Go to Customer CareNet https://carenet.fnfismd.com/vhda/
2. Enter your User ID and Password. If you don’t have one you can easily set one up.
3. Select “Late Payments” from the menu on the left.
4. Select the option “Update Financials”.
5. Enter your financial information.
6. You will receive a letter acknowledging your online entry.
7. Download the Borrower’s Financial Package.
8. Complete the forms in the package: Borrower Financial Statement, Request for Transcript of Tax Return and Home Affordable Modification Program Hardship Affidavit.
9. Include this additional information:
- Hardship letter
- Two consecutive and current pay-stubs for all household income
- Checking and savings bank statements for the last two months
- Tax returns for the last two years.
10. Sign the forms where indicated.
11. Send to:
VHDA – Attn: Loss Mitigation DepartmentP.O. Box 4627
Richmond, VA 23220
Fax: 1-804-343-8680
Email:
Lossmitigation@vhda.com
Manual Entry
You can submit your financial information manually.
1. Download the Borrower’s Financial Package.
2. Complete the forms in the package: Borrower Financial Statement, Request for Transcript of Tax Return and Home Affordable Modification Program Hardship Affidavit.
3. Include this additional information:
- Hardship letter
- Two consecutive and current pay-stubs for all household income
- Checking and savings bank statements for the last two months
- Tax returns for the last two years.
4. Sign the forms where indicated.
5. Send to:
VHDA – Attn: Loss Mitigation DepartmentP.O. Box 4627
Richmond, VA 23220
Fax: 1-804-343-8680
Email:
Lossmitigation@vhda.com
Once VHDA receives your financial package it will be reviewed and if information is missing you will be contacted by mail.
If you have any questions about any of the forms or about our loss mitigation process please contact Loss Mitigation at 888-756-8603.
