1. Payment History: Section detailing the borrower's payment history, typically included when the modification is due to past payment issues

2. Hardship Statement: Description of borrower's financial hardship justifying the modification, included when required by specific modification programs

3. Trial Period Compliance: Reference to completion of trial payment period, if applicable

4. Insurance and Escrow Provisions: Modified terms relating to insurance requirements or escrow accounts, if these are being changed

5. Fees and Costs: Details of any fees or costs associated with the modification, if any are being charged

6. Government Program Compliance: Additional terms required for compliance with specific government modification programs

1. Schedule A - Modified Payment Schedule: Detailed amortization schedule showing new payment amounts, dates, and allocation between principal and interest

2. Schedule B - Property Description: Legal description of the mortgaged property

3. Appendix 1 - Modification Terms Summary: Summary sheet comparing original and modified loan terms in a clear, tabular format

4. Appendix 2 - Required Disclosures: State and federal required disclosures based on modification terms

5. Appendix 3 - Supporting Documentation: List of documents reviewed and relied upon in approving the modification