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In order to avoid wasting time and resources just to be disappointed, we have prepared the following to assist you in the process of applying for a short pay-off negotiation leading to a refinancing.

1. Understand the program: we recommend that you read the entire program at our website by clicking here

2. Once you have read and understood the steps involved, as well as the cost, please submit an application online

3. We will then forward the above application to one of our licensed mortgage partners who will undertake the mortgage approval process. This will require pulling your credit report, and requesting your:

a) Income & Employment history: (2 most recent check stubs, 2 W2s, and signed federal tax returns, include all schedules/pages.) 

b) Assets (2 complete bank statements for each account, 401(k), savings, pension, investments

and other items: mortgage statement, real estate tax bill, homeowner's insurance, driver's license, social security card, hardship letter, etc...). 

c) We recommend that you get a Real Estate agent to prepare a CMA that you will forward to the mortgage partner you are working with. This will be used to set a conditional value before ordering the actual appraisal.

4. If you are pre-approved by our mortgage partner, then P2CFG will accept your application for a short pay-off negotiation.

If you are not pre-approved, the screening process stops until you address all the issues raised.

P2CFG only deals with well-qualified borrowers.