The hardship affidavit form is filed during certain adverse circumstances when the homeowner cannot pay the stated mortgage loan payment previously decided. The paper is a request to decrease the cost to a certain extent so that the homeowner can prolong his ownership. The reasons for this request should be explicitly stated in the form. It must be ensured that all provisions within the affidavit form are by the Home Affordable Modifications Program under the federal government’s terms and conditions. The deputy clerk or notary public is required to be present for such forms.
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