1. Hardship Explanation: Detailed explanation of circumstances that led to default, used when seeking special consideration

2. Future Payment Plan: Description of how future payments will be maintained, included when requested by lender or to strengthen the case

3. Third Party Authorization: Authorization for someone else to act on borrower's behalf, needed if someone other than the borrower is handling the reinstatement

4. Bankruptcy Reference: Reference to ongoing bankruptcy proceedings if applicable

5. Insurance Status: Confirmation of current property insurance status, included if there have been insurance issues

1. Proof of Funds: Documentation showing availability of reinstatement funds (bank statements, wire transfer confirmation, etc.)

2. Default Notice: Copy of the original default notice received from the lender

3. Payment History: Recent mortgage payment history showing the default period

4. Income Verification: Current proof of income if requesting special payment arrangements

5. Insurance Certificate: Current property insurance certificate if required by lender