At the very least, the very very least, you could write a current letter stating how long you've been paying rent. This will give the bank some documentation that you have been living there & for how long your landlord has been collecting rent.
It was recommended below that you contact the bank directly. Unless the Landlord gives the bank a signed document authorizing them to speak with you, they cannot. (This document is called an "Authorization to Receive and Convey Information".) Those of us familiar with home retention and loan modifications are aware of this. If the Landlord is on the up-and-up, he will not mind giving you his authorization to speak with the bank.
If you are allowed to speak with the lender, you have a better opportunity to ascertain what the bank wants, and what the Landlord's motives are. But I stick with my original comment: back-dating any legal document to be used for purposes of obtaining or modifying a loan may be lender fraud, and I wouldn't do it without legal advice.
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I would suggest you not worry about what the landlord says as much as what the landlord does and more importantly what you do. Just remember "the truth will set you free."
If the property does go through a foreclosure there is still a good chance you could stay in the property and if you are required to leave you should be able to get some cash from the owner to assist with your move.
I would want further explanation.
However, if the lender wants VERIFICATION that you are the current tenant, you can certainly give an affidavit in the form of a letter that states the terms of your tenancy, including the move-in date, the amount of rent paid per month, etc. This will, in general, satisfy the lender as to the information it needs.
I would not do any kind of a backdated lease. It will be a binding document, and possibly fraudulent towards the lender. Stay away.
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