Find Legitimate Help

Why work with a CPR?

A Certified Program HR 3648 Representative will meet with you face-to-face to talk about your situation and help you understand what options and programs are available to you. A CPR can explain what documents you will need to provide to your mortgage company, and in many cases, will handle the entire process of working with your mortgage company for you.

Free Assistance

There is never any charge for the assistance provided to you by a Certified Program HR 3648 Representative. CPR’s are generally licensed real estate agents that have been trained and certified to help homeowners take advantage of Program HR 3648 and proactively resolve their mortgage situation. CPR’s volunteer their time to provide homeowners with countless hours of consultation, training, and assistance, as well as processing and negotiating with their mortgage companies.

If you are behind on your mortgage payments and need immediate assistance call 1-800-915-1988.

Have Certified Program HR 3648 Representative in your area contact you.

Make sure you have all of the decision makers regarding your mortgage and finances present at the appointment with your CPR. Also, begin gathering the documentation listed below that you or your CPR will need to submit to your mortgage company.

Document Checklist

• Financial Information Form
• Monthly statement(s) or information for all mortgages and liens against the property including:
• Mortgage/lien holder company name
• Account number
• Balance and monthly payment
• Contact information
• Hardship Letter explaining your circumstances
• Last two years of income tax returns
• Last two months bank statements
• Last two paycheck stubs
• If you do not have any of the items listed above, a written statement explaining why you don’t have them will be okay.