Required Documents for Clients NOT in Foreclosure

This list applies to applicants who have a financial hardship and NOT currently in foreclosure. If you are in foreclosure and have received a summons, please click here for the alternate list. 

  • Signed and dated letter of hardship: describe the circumstance(s) that caused your hardship along with date hardship began. Ex: Income loss/reduction was reduced to (job loss, divorce, illness, etc.) or increase in expenses due to (ARM adjustment, taxes, insurance, repairs, etc.)
  • Last filed signed & dated tax return
  • Federal income tax forms
  • W-2 forms
  • Schedules & attachments
  • Documentation of income you receive from other sources (social security, pension, disability, 1099 income, contribution income, cash income, rental agreements, child support, alimony, etc.)
  • If self-employed, the most recent quarterly or year-to-date profit and loss statement and three most recent business and personal bank statements
  • Property tax bill, if not escrowed
  • Insurance declaration, if not escrowed
  • Current proof of ALL income from all household members contributing to the mortgage for the last month
  • Current month of utility bills (gas, electric, water, telephone, etc.)
  • Current month of mortgage statement
  • Last two months of current bank statements (not transaction history unless signed by bank)
  • Proof of quarterly statements from Mutual Funds 401(k), 403(b), IRA, Roth, Proxy, stock or bonds (if applicable)
  • If not escrowed: copy of Mortgage and note from your “Mortgage Closing Packet”
  • Photo ID
  • Completed intake packet

Please provide copies to LUCHA staff. We will not accept original documentation nor be responsible for lost documents.

For your convenience, you may scan your documents and send them via email to You can also fax the documents to 773-489-9085.

Below are places near our office where you can make copies at an affordable rate:

  • Chicago Public Library: 1605 North Troy Street, Chicago, IL 60647
  • Chicago Public Library: 733 North Kedzie Avenue, Chicago, IL 60612
  • Currency Exchange: 801 North Kedzie Avenue, Chicago, IL 60647
  • Currency Exchange: 2745 North Division, Chicago, IL 60622

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