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If you are having difficulty making your mortgage payments, Start Here! We know that nobody intends to miss their mortgage payments, and that you understand that defaulting on your loan will ultimately result in the loss of your property.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Because you opened this web page, we assume that something happened to change your ability to pay your mortgage. Whether it’s a loss of income, a family member's sickness or a change in the amount of your monthly payment, our Loss Mitigation Department wants to work with you to save your home or investment property.

Homeowner’s Assistance Program

The process is straightforward. First, we collect some background and financial information, using this form and the documents you send to us. Then, we’ll attempt to match your situation with the program(s) available. Finally, if we determine that there is a program (or programs) you qualify for, we will contact you to discuss the potential solutions and send out the required documents and legal agreements needed to complete the process.

Before you start:

There are 2 ways to complete this form: ! You can print it out and then complete it by hand; or ! You can type the information right on this form (you can even save it to your computer) and print it. When the form is complete, fax or e-mail it to us, along with the other documents we will request.

Today’s Date:

General Information:

Your Name ________________________________________

Your Co-Borrower’s Name ________________________________

The best Phone Number to reach you _______________

Alternate Phone Number to try is _________________________

Enter your Loan Number here _______________________

What is the Property Address? _____________________________________________ _________________, ______ _____________ Number and Street Name City State Zip Code

Your Current Situation: Do you live at this property?

Yes

No

Do you want to keep owning this property?

Yes

No

How many people live with you?

(use numbers only - no commas or other special characters)

How much do you feel your house is worth?

Is the financial difficulty you are facing temporary?

Yes

No

In a few words, please describe the financial difficulty you are facing:

Financial Information:

Tip: Many times, having your checkbook and Credit Card Statements with you will help you remember Income and Expense Items. If you can get these items, it’s worth waiting until you have them before completing this section.

On the following page, you'll have an opportunity to tell us about your income and expenses. That will help us determine which programs we can offer you. It's important that the information is as accurate as possible, but if you don't know the exact amount, enter your best estimate and we'll use that for now. Of course, if any item doesn't apply to you, just leave it blank. NOTE: ALL of the items on the next page request MONTHLY information. Please convert all of your numbers to MONTHLY amounts!


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Financial Statement

Enter MONTHLY amounts (use numbers only - no commas or other special characters)

Income

Expenses

What is your Occupation?

1st-2nd Mortgage: Other Mortgages: Utilities: Water-Sewer: Home Owners Assn: Home Maintenance: Auto Loan 1: Auto Loan 2:

What is your GROSS Salary? ...from Job #1:

What about a 2nd Job?

What is your "take-home" pay? ...from Job #1:

... and from 2nd Job?

What is your Co-Borrower's Occupation? What is their GROSS Salary? ...from Job #1:

What about a 2nd Job?

What is their "take-home" pay? ...from Job #1:

... and from 2nd Job?

Other income you receive:

Charge Cards: Other Installment Loans: Food: Child Care: Transportation: Tuition: Spending Money: Phone-Cable-Internet: Clothing-Laundry-Hskpg: Medical-Dental: Other Expenses: 1:

Alimony:

2:

Child Support:

3:

Other Income 1:

4:

Other Income 2:

5:

Total GROSS Income:

$0.00

Total NET Income:

$0.00

Monthly Surplus/(Deficit):

Total Expenses:

$0.00

$0.00

4/09-mlhl.com


Please Forward the Following Documents with your Completed Form:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

- A recent paystub (for you and your Co-Borrower, if applicable) with year-to-date information displayed - A Property Listing Agreement (if your property is being marketed for sale) Before completing the form, is there anything else we should know about your current situation?

Do you have any questions for us? (NOTE: We will respond to these questions after we begin processing this form.)

Sending the Completed Form and Documents:

Faxing the form: If you are sending us the form by fax, just print it out and fax the form to us (along with the documentation described above) to our secured fax #: (214) 441-7382 Using e-mail: If you prefer to e-mail the form (along with the documentation described above), you can send it to:

Hopenow@metlifehomeloans.com

Mailing the form: If you prefer to send the form to us by mail, print the form (along with the documentation described above) to: Loan Administration

Mail Stop 6207 4000 Horizon Way, Suite 100 Irving, TX 75063-9987

NOTE: If you completed this form on your computer, you can save a copy of it to your drive (including the information you entered), by using the “Save” function! What happens next:

The information you send will be evaluated and a specialist from our Loss Mitigation team will contact you. Due to heavy volumes currently being experienced, please allow approximately 20-30 business days for a response. When we call, what is the best time to reach you?

(tell us what time of day is best as “hh:mm ampm” -e.g. 5:00 pm)

Is there an e-mail address we can use to contact you? If so, please enter it below:

Thank you again for supplying this information. We will get back to you as soon as possible!


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Short Sale Information Packet

In order for us to evaluate your Short Sale request, you must complete this packet, sign in all the required places and fax or mail it to Chase with the required documentation. Please keep a copy of everything you send to us for your records. This packet contains the following items:

1. Required Documentation Checklist – Detailed list of the documents you must send to us in addition to the packet a. From You, the Borrower and Co-borrower b. From Your Real Estate Agent

2. Authorization to Provide and Release Information – Grants Chase permission to provide information pertaining to your mortgage to necessary agents

3. Request for Consideration of Short Sale – Information about your property, loans, income, etc., as well as details on the circumstances that have made it difficult for you to stay up-to-date with your mortgage payments 4. 4506T-EZ Request for Transcript of Tax Return Form – Allows Chase to receive a transcript of your tax return to verify income information

If you need any assistance completing this packet please contact us: For Chase mortages: 800-446-8939. For WaMu mortgages: 800-848-9380.

Please send the completed packet as well as all required documentation to Chase: By Regular Mail:

By Overnight Mail:

Chase Fulfillment Center P.O. Box 469030 Glendale, CO 80246

Chase Fulfillment Center 4500 Cherry Creek Drive South Suite #100 Glendale, CO 80246 By Fax: 866-220-4130

Important Information

We are attempting to collect a debt, and any information obtained will be used for that purpose.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s name, address, and telephone number.

If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received a final discharge in a bankruptcy, this notice is for compliance and/or informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy laws. However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.

SSIP 04/10A (Chase)

Short Sale Information Packet Page 1 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Required Documentation Checklist

1A. FROM YOU, THE BORROWER AND CO-BORROWER

If you are a Wage Earner (you receive a W-2 from your employer) please provide:  Two (2) most recent Pay Stubs (two for each borrower)

 Length of service with Current Employer: Borrower Year(s):______ Month(s):______

Co-borrower Year(s):______ Month(s):______

 Most recent one (1) month’s complete Bank Statement

If you are Self Employed, please provide:

 P & L Statement / Audited or reviewed YTD Income Statement (must provide)

 Most recent two (2) years’ Tax Returns Completed (personal and business, signed with all pages) or 1099s or most recent two (2) years filed and proof of extension

 Last four (4) months complete Business and Personal Bank Statements (must provide all pages. If a business account is not used, provide a written statement stating a business account is not used) Everyone must provide the following:

 Most recent statement(s) supporting assets listed on page 2 of the Request for Consideration of Short Sale Form (must provide all pages of statements)  Most recent completed Tax Return (signed with all pages) or most recent filed and proof of extension (signed with all pages)  Proof of occupancy (if owner occupied) - a recent utility bill in your name at property address  If loan is Non-Escrowed:

A) Copy of the most recent property tax bill(s) with a copy of the cancelled check for all applicable taxes (County, City, School, etc.) B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner’s, flood, and wind) C) Proof of payment of Homeowner’s Association Fees (if applicable)

 If Non-Owner Occupied:

A) Rental Income with copies of Rental Agreement if a tenant resides in the property

B) Amount of Principal, Interest, Taxes, Insurance, and Home Owner Dues for Primary Residence C) Primary Residence Address

 Authorization to Provide and Release Information- Allows Realtor or designee to discuss the account with Chase, if desired. Be sure to sign this form  Completed Request for Consideration of Short Sale Form (enclosed). Be sure to sign and date this form.

 Completed 4506T-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.

1B. FROM YOUR REAL ESTATE AGENT  Listing Agreement

 Detailed Listing History (MLS Printout)

 Sales / Purchase Contract (Signed Offer)

 3 Comparable Active Listings/3 Comparable Sales/Pictures of the Property & Neighborhood  HUD (Estimated Closing Statement)

SSIP 04/10A (Chase)

Short Sale Information Packet Page 2 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

AUTHORIZATION TO PROVIDE AND RELEASE INFORMATION

TO:

Chase

DATE:

______________________________

RE: MORTGAGE LOAN NUMBER: ______________________________ BORROWER(S):

_________________________________________________

PROPERTY ADDRESS:

_________________________________________

_________________________________________

I/(We), _________________________________________________________________________(borrower(s) name(s)) , currently residing at _______________________________________________________________________ in the County of _________________________________, State of __________, hereby authorize Chase Home Finance LLP/JPMorgan Chase Bank, N.A (collectively “Chase”) to release, furnish, and provide any information related to my mortgage under loan number ____________________________ to _____________________________ _______________________________________________________________ (name of third party).

I UNDERSTAND THAT THIS AUTHORIZATION IS VALID UNTIL SUCH TIME THAT CHASE CONFIRMS IT HAS RECEIVED WRITTEN NOTICE FROM ME REVOKING THIS PRIOR AGREEMENT.

____________________________________________ Borrower Signature

____________________________________________ Co-borrower Signature

____________________________________________ Borrower Name (Printed)

____________________________________________ Co-borrower Name (Printed)

SSIP 04/10A (Chase)

Short Sale Information Packet Page 3 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 1 Loan I.D. Number____________________________________

Servicer ____________________________________

BORROWER

CO-BORROWER

Borrower’s name

Co-borrower’s name

Social Security number

Date of birth

Date of birth

Social Security number

Home phone number with area code

Home phone number with area code

Cell or work number with area code

Cell or work number with area code

I want to:

Keep the Property

Sell the Property

The property is my:

Primary Residence

Second Home

Investment

The property is:

Owner Occupied

Renter Occupied

Vacant

Mailing address

Property address (if same as mailing address, just write same)

E-mail address

Yes No _____________________ Agent’s Name: ___________________________________________ Agent’s Phone Number: ____________________________________ For Sale by Owner? Yes No

Have you contacted a credit-counseling agency for help Yes No If yes, please complete the following: Counselor’s Name: _________________________________________ Agency Name: ____________________________________________ Counselor’s Phone Number: __________________________________ Counselor’s E-mail: ________________________________________

Who pays the real estate tax bill on your property? I do Lender does Paid by condo or HOA Are the taxes current? Yes No Condominium or HOA Fees Yes No $ __________________ Paid to: _________________________________________________

Who pays the hazard insurance premium for your property? I do Lender does Paid by Condo or HOA Is the policy current? Yes No Name of Insurance Co.: ______________________________________ Insurance Co. Tel #: _________________________________________

Is the property listed for sale?

Yes

Yes Has your bankruptcy been discharged?

No

No Yes

If yes: No

Chapter 7 Chapter 13 Filing Date:_________________________ Bankruptcy case number _________________________________

Additional Liens/Mortgages or Judgments on this property: Lien Holder ’s Name/Servicer

Balance

Contact Number

Loan Number

HARDSHIP AFFIDAVIT

My household income has been reduced. For example: unemployment, underemployment, reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co-borrower.

My monthly debt payments are excessive and I am overextended with my creditors. Debt includes credit cards, home equity or other debt.

My expenses have increased. For example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes.

My cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time.

Other:

Explanation (continue on back of page 3 if necessary): __________________________________________________________________________

______________________________________________________________________________________________________________________

SSIP 04/10A (Chase)

Short Sale Information Packet Page 4 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 2

COMPLETE ALL FOUR PAGES OF THIS FORM 1

Number of People in Household:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

INCOME/EXPENSES FOR HOUSEHOLD Monthly Household Income

Monthly Household Expenses/Debt

Household Assets

Monthly Gross Wages

$

First Mortgage Payment

$

Checking Account(s)

$

Overtime

$

Second Mortgage Payment

$

Checking Account(s)

$

Child Support / Alimony / Separation2

$

Insurance

$

Savings/ Money Market

$

Social Security/SSDI

$

Property Taxes

$

CDs

$

Other monthly income from pensions, annuities or retirement plans

$

Credit Cards / Installment Loan(s) (total minimum payment per month)

$

Stocks / Bonds

$

Tips, commissions, bonus and self-employed income

$

Alimony, child support payments

$

Other Cash on Hand

$

$

Other Real Estate (estimated value)

$

$

Rents Received

Net Rental Expenses

Unemployment Income

$

HOA/Condo Fees/Property Maintenance

$

Other _____________

$

Food Stamps/Welfare

$

Car Payments

$

Other _____________

$

Other (investment income, royalties, interest, dividends etc.)

$

Other ________________ _____________________

$

Do not include the value of life insurance or retirement plans when calculating assets (401k, pension funds, annuities, IRAs, Keogh plans, etc.)

Total (Gross Income)

$

Tota l Debt/Expenses

$

Tota l Assets

$

INCOME MUST BE DOCUMENTED

1Include

combined income and expenses from the borrower and co-borrower (if any). If you include income and expenses from a household member who is not a borrower, please specify using the back of this form if necessary.

2You are not required to disclose Child Support, Alimony or Separation Maintenance income, unless you choose to have it considered by your servicer.

INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender or servicer may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required to note the information on the basis of visual observation or surname if you have made this request for a loan modification in person. If you do not wish to furnish the information, please check the box below. BORROWER

I do not wish to furnish this information

CO-BORROWER

I do not wish to furnish this information

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Sex:

Female Male

Sex:

Female Male

SSIP 04/10A (Chase)

Short Sale Information Packet Page 5 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 3

COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

ACKNOWLEDGEMENT AND AGREEMENT In making this request for consideration under the Making Home Affordable Program I certify under penalty of perjury:

1.

That all of the information in this document is truthful and the event(s) identified on page 1 is/are the reason that I need to request a modification of the terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.

2.

I understand that the Servicer, the U.S. Department of Treasury, or their agents may investigate the accuracy of my statements and may require me to provide supporting documentation. I also understand that knowingly submitting false information may violate Federal law.

3.

I understand the Servicer will pull a current credit report on all borrowers obligated on the Note.

4.

I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any facts(s) in connection with this document, the Servicer may cancel any Agreement under Making Home Affordable and may pursue foreclosure on my home.

5.

I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner and to otherwise comply with all requirements of the Making Home Affordable Program that may be in effect from time to time.

6.

I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification or short sale or deed-in-lieu of foreclosure, but the Servicer is not obligated to offer me assistance based solely on the statements in this document.

7.

I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt.

8.

If I was discharged in a Chapter 7 bankruptcy proceeding subsequent to the execution of the Loan Documents, or am currently entitled to the protections of any automatic stay in bankruptcy, I acknowledge that Servicer is providing the information about the Making Home Affordable program at my request and for informational purposes, and not as an attempt to impose personal liability for the debt evidenced by the Note.

9.

I acknowledge that while my request is being evaluated, the Servicer may suspend any scheduled foreclosure sale, but may continue to send legal notices related to foreclosure. Any pending foreclosure action will not be dismissed and may be immediately resumed from the point at which it was suspended if I fail to comply with the terms and conditions of the Making Home Affordable program, including any trial period plan, and no new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will be necessary to continue the foreclosure action. All rights to such notices are hereby waived by me to the extent permitted by applicable law. I further acknowledge that when the Servicer accepts and posts a payment during the time I am being evaluated, including during any trial period, it will be without prejudice to, and will not be deemed a waiver of, the acceleration of the loan or any foreclosure action and related activities and shall not constitute a cure of any default under the loan documents evidencing and securing the loan unless such payments are sufficient to completely cure my entire default under the loan documents. If I am in foreclosure, I agree that all trial payments will be made in certified funds.

10.

I further acknowledge and agree that if I am offered a trial period plan by the Servicer, making the first payment due under such trial period plan shall be deemed an acceptance of the terms and conditions of the plan.

11.

I understand that the Servicer will collect and record personal information, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity. I understand and consent to the disclosure of my personal information and the terms of Making Home Affordable Agreement by Servicer to (a) the U.S. Department of the Treasury; (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s); (d) companies that perform support services in conjunction with Making Home Affordable; and (e) any HUD certified housing counselor.

12.

I will execute such other and further documents as may be reasonably necessary to either (i) consummate the terms and conditions of this Plan or any final modification, short sale or deed-in-lieu of foreclosurethat I am offered; or (ii) correct the terms and conditions of this Plan or any final modification that I am offered if an error is discovered or the Servicer deems it reasonably necessary to comply with the terms of the Making Home Affordable Program or other program for which I may qualify.

SSIP 04/10A (Chase)

Short Sale Information Packet Page 6 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 4

Date:

BORROWER SIGNATURE

Date:

CO-BORROWER SIGNATURE

SSIP 04/10A (Chase)

Short Sale Information Packet Page 7 of 9


Form

4506T-EZ

Short Form Request for Individual Tax Return Transcript

OMB No. 1545-2154

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

(Rev. January 2010) Department of the Treasury Internal Revenue Service

Request may not be processed if the form is incomplete or illegible.

Tip. Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge.

1a Name shown on tax return. If a joint return, enter the name shown first.

1b First social security number on tax return

2a If a joint return, enter spouse’s name shown on tax return.

2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4 Previous address shown on the last return filed if different from line 3

5 If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information. Third party name

Telephone number

Chase mortages: 800-446-8939 ForWaMu mortgages: 800-848-9380

Chase Fulfillment Center

Address (including apt., room, or suite no.), city, state, and ZIP code

Regular Mail: PO Box 469030, Glendale, CO 80246

6

Overnight Mail: 4500 Cherry Creek Drive South, Suite 100, Glendale, CO 80246

Year(s) requested. Enter the year(s) of the return transcript you are requesting (for example, “2008”). Most requests will be processed within 10 business days.

2008

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 before signing. Sign and date the form once you have filled in line 6. Completing these steps helps to protect your privacy.

Note. If the IRS is unable to locate a return that matches the taxpayer identity information provided above, or if IRS records indicate that the return has not been filed, the IRS may notify you or the third party that it was unable to locate a return, or that a return was not filed, whichever is applicable. Signature of taxpayer(s). I declare that I am the taxpayer whose name is shown on either line 1a or 2a. If the request applies to a joint return, either husband or wife must sign. Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Telephone number of taxpayer on line 1a or 2a

Sign Here

Signature (see instructions)

Date

Spouse’s signature

Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

SSIP 04/10A (Chase)

Cat. No. 54185S

Short Sale Information Packet Page 8 of 9

Form

4506T-EZ

(Rev. 01-2010)


Form 4506T-EZ (Rev. 01-2010)

If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service� at:

Use Form 4506-T to request the following. s!TRANSCRIPTOFABUSINESSRETURN (including estate and trust returns).

s!NACCOUNTTRANSCRIPTCONTAINS information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed). s!RECORDOFACCOUNT WHICHISA combination of line item information and later adjustments to the account.

s!VERIFICATIONOFNONFILING WHICHISPROOF from the IRS that you did not file a return for the year.

s!&ORM7  &ORMSERIES &ORM SERIES OR&ORMSERIESTRANSCRIPT Form 4506-T can also be used for requesting tax return transcripts.

Automated transcript request. You can CALL   TOORDERATAXRETURN transcript through the automated self-help system. You cannot have a transcript sent to a third party through the automated system.

Where to file. Mail or fax Form 4506T-EZ to the address below for the state you lived in when that return was filed. If you are requesting more than one transcript or other product and the chart BELOWSHOWSTWODIFFERENT2!)63TEAMS send your request to the team based on the address of your most recent return.

SSIP 04/10A (Chase)

Florida, Georgia, North Carolina, South Carolina

2!)634EAM P.O. Box 47-421 3TOP $ORAVILLE '!   

!LABAMA +ENTUCKY Louisiana, Mississippi, Tennessee, Texas, a foreign country, or !0/OR&0/ address

2!)634EAM 3TOP!53# !USTIN 48 512-460-2272

!LASKA !RIZONA California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, +ANSAS -ICHIGAN Minnesota, Montana, .EBRASKA .EVADA New Mexico, North $AKOTA /KLAHOMA Oregon, South $AKOTA 5TAH 7ASHINGTON 7ISCONSIN 7YOMING

2!)634EAM 3TOP &RESNO #!   

!RKANSAS Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New *ERSEY .EW9ORK Ohio, Pennsylvania, Rhode Island, 6ERMONT 6IRGINIA 7EST6IRGINIA

2!)634EAM Stop 6705 P-6 +ANSAS#ITY -/    

Signature and date. Form 4506T-EZ must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506T-EZ within 120 days of the date signed by the taxpayer or it will be rejected.

Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506T-EZ exactly as your name appeared on the original return. If you changed your name, also sign your current name.

Short Sale Information Packet Page 9 of 9

2

Privacy Act and Paperwork Reduction Act Notice. 7EASKFORTHEINFORMATIONON this form to establish your right to gain access to the requested tax information under the Internal 2EVENUE#ODE7E need this information to properly identify the tax information and respond to your REQUEST3ECTIONSANDREQUIRE you to provide this information, including your SSN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use INADMINISTERINGTHEIRTAXLAWS7EMAY also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is SUBJECTTOTHE0APERWORK2EDUCTION!CT unless the form displays a valid OMB CONTROLNUMBER"OOKSORRECORDSRELATING to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are CONFIDENTIAL ASREQUIREDBYSECTION The time needed to complete and file Form 4506T-EZ will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form,MINPreparing the form, MINANDCopying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or SUGGESTIONSFORMAKING&ORM4 %: simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating #OMMITTEE 3%7#!2-04430  #ONSTITUTION!VE.7 )2  7ASHINGTON $#$ONOTSENDTHE form to this address. Instead, see Where to file on this page.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Purpose of form. Individuals can use Form 4506T-EZ to request a tax return transcript that includes most lines of the original tax return. The tax return transcript will not show payments, penalty assessments, or adjustments made to the originally filed return. You can also designate a third party (such as a mortgage company) to receive a transcript on line 5. Form 4506T-EZ cannot be used by taxpayers who file Form 1040 based on a fiscal tax year (that is, a tax year beginning in one calendar year and ending in the following year). Taxpayers using a fiscal tax year must file Form 4506-T, Request for Transcript of Tax Return, to request a return transcript.

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FINANCIAL ANALYSIS FOR LOSS MITIGATION WORKOUT

Loan #:

Borrower: Social Security Number: Co-Borrower: Social Security Number:

Res. Tel. #:

Work Tel. #:

Res. Tel. #:

Work Tel. #:

Property Address: City:

State:

Zip Code:

Current Address (if different from property address – Do not use Post Office Box):

City:

State:

Zip Code:

Total number of dependents: __________________________ Have you contacted credit-counseling services?_______________________________ Is your home listed for sale?__________________________ If yes, who is your agent? ________________________________________________ Borrower Employment History Currently Employed? How Long?: Present Employer: Position/Title: If self-employed, name of co.:

Yes

Description

Social Security Number: Net Salary/Wages Unemployment Income Child Support/Alimony Disability Income Rental Income

Co-Borrower Employment History Currently Employed? Yes How Long?: Present Employer: Position/Title: If self-employed, name of co.:

No

Monthly Income Borrower Co-Borrower

$ $ $ $ $

$ $ $ $ $

No

Total

$ $ $ $ $

Assets/Liabilities – If you own real estate in addition to your personal residence, please attach a complete list of property addresses / name(s) of Lender / Lender’s address and phone number / account numbers / monthly payment / amount owed / estimated value & rental income. Description Personal Residence Personal Property Checking Accounts Savings Accounts IRA/401K/Keogh Accounts Stocks/Bonds/CD’s Cash Value of Life Insurance Other

Totals Page 1 of 3

Estimated Value

Amount Owed

Net Value

$ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $

$

$

$ OOMCAPPL (07-07-05))


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FINANCIAL ANALYSIS FOR LOSS MITIGATION WORKOUT

Expenses

Description Other Mortgages/Liens/Rents Alimony/Child Support Homeowners Assoc. Dues Child Care Health Insurance Medical Credit Card/Installment Loans Auto Loan(s) Auto Expenses/Gasoline/Insurance Food/Spending Money Water/Sewer/Utilities/Phone Other

Monthly Payment

Balance Due

$ $ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $ $

$ $ $

$ $ $

Delinquent Yes

No

Borrower(s) Financial Hardship

(Reason for Delinquency/Inability to Satisfy Mortgage Obligation)

Page 2 of 3

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

FINANCIAL ANALYSIS FOR LOSS MITIGATION WORKOUT

I/we obtained a mortgage loan secured by the above-described property. I/we have described my/our present financial condition and reason for default on this financial analysis form and have attached required documentation. Under my/our present circumstances, I/we cannot bring my/our mortgage loan current. Therefore, I/we hereby request assistance under Option One’s loss mitigation program.

If my/our lender and/or servicer determine that the information and/or documentation provided by me/us with this financial analysis form is incomplete, or insufficient to render a decision as to my/our eligibility for a loss mitigation workout, my/our request for a loss mitigation workout may be denied or delayed until I/we have provided the lender and/or servicer with additional information and/or documentation as requested by them. If any information and/or documentation has been misrepresented by me/us, I/we understand and agree that such misrepresentation will be grounds either for immediate rejection of my/our request for assistance or immediate termination of any loss mitigation workout agreed to by the lender and/or servicer. Furthermore, I/we shall be liable for any losses or damages suffered by the lender and/or servicer as a result of such misrepresentation. By signing below, I/we certify that the information and documentation provided is true and correct to the best of my/our knowledge. In the event a third party is designated to act on my/our behalf, I/we have included written authorization to the designee to act on my/our behalf. In the event I/we am/are able to bring the loan current or are able to sell the property for an amount sufficient to pay off my/our mortgage loan in full during the evaluation process, I/we understand that my/our request for participation in Option One’s loss mitigation program will be withdrawn without further action. Submitted this

day of

,

.

____________________________________________ Signature of Borrower

_____________________ Date

____________________________________________ Signature of Borrower

_____________________ Date

REMINDER

Before mailing, make sure you have signed and dated this form. Include copies of your last two months pay stubs, and bank statements of your checking and/or savings accounts. If you are self-employed, attach a copy of the past six-month’s profit and loss statement along with your most recent Federal Tax returns. If property is Income/Rental property, please provide a copy of the current Lease Agreement(s). This is an attempt to collect a debt and any information obtained will be used for that purpose.

Page 3 of 3

OOMCAPPL (07-07-05))


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

LETTER OF AUTHORIZATION

Re: Loan No.:

Date:

Borrower:

Co-Borrower:

Mailing Address: City:

State:

Zip Code:

State:

Zip Code:

Property Information: Address: City:

To Whom It May Concern:

This letter is to serve as my written authorization that I, the mortgagor(s) on the above-referenced property, do hereby grant to Option One Mortgage Corporation permission to discuss all current and future matters related to my mortgage with individuals as I may direct. The individuals I have indicated below are authorized to discuss my personal financial matters in relation to the repayment of my mortgage with Option One Mortgage Corporation.

____________________________________________ _____________________

Name

Relationship

(_____)________________________ Phone Number:

____________________________________________ _____________________ Name Relationship (_____)________________________ Phone Number:

To validate this informational release, it must be signed, dated and returned to Option One Mortgage. This is an attempt to collect a debt and any information obtained will be used for that purpose. Mortgagor(s) authorizing signature:

____________________________________________ _____________________

Borrower Signature

Date

____________________________________________ _____________________ Co-Borrower Signature Date

Form LM011

Rev. 01/06


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Loan #

ALL ITEMS ARE REQUIRED AND MUST BE PRESENT IN ORDER FOR REVIEW FOR CONSIDERATION

Please email initial short sale package to repsupport@rtresolutions.com for processing (please do not request updates through this email). Please contact your negotiator seven to ten business days following transmission.

1. Contact information for all parties involved (must include email addresses)

a. Brokers and attorneys from both sides of transaction. b. Primary seller’s information must be filled and verified before negotiation begins. (home phone, cell phone, current address, and email) c. Name and number of 1st lien negotiator

2. Broker / Realtor / Attorney authorization letter 3. Listing Agreement and Current MLS Worksheet 4. Pre HUD/Net Sheet and Final HUD upon closing

a. This itemized document must include the following: i. 1st mortgage proceeds (offer typically in Line 504)OFFER AMOUNT: $____________ ii. 2nd mortgage proceeds (offer typically in Line 505) OFFER AMOUNT: $____________ iii. No unsecured creditors are to be paid if accepting a short payoff iv. Net/HUD sheet must reflect the actual cash amount the seller is bringing to the closing. v. If repairs are needed to the home, then the line item must be present and copies of contractor estimates must be included.

5. Offer/Contract (fully executed contract)

a. Copy of the most current offer, or any multiple offers.

6. A pre-qualification letter for buyer with buyer’s and lender’s information. 7. 1st Mortgage Payoff

a. The 1st lien payoff must be the most current that the realtor/borrower can obtain. You may also include a 1st mortgage statement.

8. Foreclosure Information:

a. If the 1st mortgage is in foreclosure we need to know who the foreclosure attorney is along with when the sale date is scheduled, and any file number or trustee’s sale number associated with the account.

9. Short Sale Agreement Letter

a. If the 1st mortgage is taking a short and they have approved please make sure the HUD1 reflects their approval as well. We will need the agreement from the 1st mortgage stating acceptance of the short sale.

10. Valuations

a. Please include the most current appraisal, BPO, or comparables for the property and MLS property info sheet.

11. Hardship Letter

a. The hardship letter is a written statement from the borrower stating their current situation and the events leading up to the current sale of the property.

12. Seller Financials

a. The borrower must provide an itemized breakdown of income and expenses on a monthly basis, two previous bank statements, two previous paystubs, and two previous tax returns. Any financial documents regarding savings and retirement funds may also be included.

Real Time Resolutions will review the provided documents, the cost of selling the property, broker’s commission(s), foreclosure cost, fees & eviction, superior lien holder’s time and effort spent on the file, to determine a fair value to release our lien.

FOR FASTEST PROCESSING PLEASE USE DIVIDER SHEETS BELOW 1750 Regal Row Drive, Suite 120, Dallas, TX 75235-2287 Main 877-469-7325 • Facsimile 214-599-6460


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Contact Information for Short Sale

Seller:

_______________________________

Home Phone:

_______________________________

Cell Phone:

_______________________________

Email:

_______________________________

Current Mailing Address: ___________________________

________________________________

Listing Agent:

Business Phone: Cell Phone: Email:

Buyer’s Agent:

Cell/Bph Phone: Email:

________________________________

________________________________ ________________________________ ________________________________

________________________________

________________________________ ________________________________

Buyer’s Name:

________________________________

1st Lien Negotiator:

________________________________

Business Phone: Email:

________________________________ ________________________________

Business Phone: Email:

________________________________ ________________________________

Escrow: Business Phone: Email:

________________________________ ________________________________

Attorney: Business Phone: Email:

________________________________ ________________________________

Title:


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1

1st lien Negotiator

Contact Information


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2

3rd Party Authorization Letter


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3

Listing Agreement


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4

Pre HUD


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5

Offer/Contract

(fully executed contract)


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6

Buyer Pre‐Qual


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7&8

1st Mortgage Payoff & Foreclosure  Information


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9

Short Sale  Agreement Letter


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10

Valuations


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12

Financials 2 months

Bank Statements


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Hardship


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13

Financials 2 Months

Paystubs


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Financials 2 years

Tax Returns


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15

Financials

Misc


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16

Misc


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To receive assistance, you must fill out the forms completely. Sign and date where indicated by this icon.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Return the forms marked with this icon as soon as possible.

Dear Customer,

Thank you for contacting us about the assistance programs which are available for homeowners who are having trouble making mortgage payments due to financial hardship.1

If your financial hardship is temporary, we may be able to help you keep your home and avoid foreclosure via a repayment plan or a loan modification. If you are experiencing a long-term or permanent financial hardship, we may be able to help you avoid foreclosure as well, but it may require selling your home (pre-foreclosure or short sale) or voluntarily giving up the deed to your property (deed-in-lieu).2 As your loan servicer, we want to work with you to find the option that is best for you. It is very important for you to send us the following information right away:

1) Complete the attached forms, which are listed below. Make sure you fill in all of the information completely; you and your co-borrowers must sign and date forms where indicated. a. Request for Workout Option form—explaining your financial hardship b.Borrower’s Financial Statement form—providing your personal information, income, assets and liabilities c. Monthly Expenditures form—providing your monthly household expenses, car payments, credit card payments and other expenses

2) Pay stubs for the last 45 days for all borrowers on your loan.

3) Verification of deposit (for the last 45 days) into the checking or savings accounts for all income sources for all borrowers on your loan. 4) If you are considering a short sale or deed-in-lieu, include a copy of the listing agreement as well as your most recent checking and savings account bank statements.

Fax all of this information to the Loss Mitigation Department at (856) 917-2935 using the enclosed fax cover sheet or mail to: Mortgage Service Center Mail Stop SV21 4001 Leadenhall Road Mt. Laurel, NJ 08054 ATTN: Loss Mitigation

The documents you send must be complete or we will return your package, which will delay the processing of your request for assistance. Please reply soon. Any delay may prevent us from helping you find the best solution.

Please contact the Loss Mitigation Department at (800) 750-2518 if you have any questions or need additional information about our Homeowner Assistance Program. Thank you. Sincerely,

Loss Mitigation Department (800) 750-2518 Fax: (856) 917-2935

1. Our conversation, this correspondence and our offer to review any information that you submit DO NOT REPRESENT A GUARANTEE that relief will be granted by the mortgage loan Investor, the Insurer or Guarantor of your loan, as applicable. IF YOU HAVE BEEN NOTIFIED THAT FORECLOSURE ACTIVITY HAS BEGUN, SUCH ACTIVITY WILL CONTINUE UNTIL YOUR LOAN IS CURRENT OR UNTIL YOU RECEIVE FORMAL WRITTEN NOTIFICATION THAT RELIEF HAS BEEN GRANTED. 2. A pre-foreclosure (short) sale or deed-in-lieu may have federal income tax consequences. We encourage you to consult the IRS or your tax advisor for additional information. 0078447-04-09


Mortgage Service Center Fax Cover Sheet

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Fax this form to: (856) 917-2935 Request for Homeowner Assistance

Loan Number: __________________________________________________

Borrower Name: ________________________________________________ Borrower Phone Number: ________________________________________ Number of Pages Attached: ________

0078447-04-09


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Request for Workout Option Mortgage Loan #: ______________________________

Property Address: ______________________________________ ______________________________________ ______________________________________

I, _________________________________________, am requesting that the Mortgage Service Center review my financial (name)

situation to see if I qualify for a Workout Option to avoid foreclosure.

I am having difficulty making my monthly mortgage payment due to financial hardship. The primary reason for this financial hardship is: (Please check the entry that best describes your situation.Check only one entry.)

❏ Unemployment ❏ Separation or divorce ❏ Death of spouse ❏ Job relocation ❏ Military service ❏ Reduced income ❏ Excessive debts

❏ Mortgage payment increase ❏ Business failure ❏ Damage to property ❏ Medical bills ❏ Illness ❏ Incarceration ❏ Other (please specify)___________________________

Please use the following space to briefly explain your financial hardship.

________________________________________________________________________________________________________ ________________________________________________________________________________________________________ ________________________________________________________________________________________________________ ________________________________________________________________________________________________________ ________________________________________________________________________________________________________

I believe that my financial hardship is:

❏ temporary

I would like to participate in a Workout Option:

I would like to keep my property:

❏ yes

❏ permanent

❏ yes

❏ no

❏ no

If there are additional liens on this property, please fill out the name or company/firm that is holding the second lien.

__________________________________________________

__________________________________________________

Lien Holder’s Name

Amount of Lien

PLEASE SIGN HERE

_____________________________________ ____________

_____________________________________ ____________

Borrower’s Signature

Co-borrower’s Signature

Date

Date

0078447-04-09


Borrower’s Financial Statement

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Loan #: Borrower Name: Mailing Address:

Social Security #:

Employer: Employer Address: Daytime Phone: E-mail Address: Number of dependents at this address: Co-borrower Name: Mailing Address:

Position: Employer Phone: Evening Phone:

Employer: Employer Address: Daytime Phone: E-mail Address:

Position: Employer Phone: Evening Phone:

ASSETS/LIABILITIES DESCRIPTION: Primary Residence: Other Real Estate: Automobile: Automobile: Checking Account: Savings Account: IRA/Keough Accts: 401 (K) Acct: Stocks/Bonds/CDs: Boats: Collections/Art/Etc: Personal Items:

MONTHLY INCOME DATA DESCRIPTION: Gross Pay: Overtime: Commissions: Bonus: Child Support: Rental Income: Other (Specify):

Social Security #:

ESTIMATED VALUE

AMOUNT OWED

NET VALUE

BORROWER

CO-BORROWER

TOTAL

NET INCOME TOTAL:

ACKNOWLEDGEMENT and AUTHORIZATION ACKNOWLEDGEMENT: I obtained a mortgage loan secured by the above referenced mortgaged property. I have described my current financial condition in this Financial Statement form and I certify that all information presented herein, as well as all attachments is true, accurate, and correct to the best of my knowledge. I understand that submission of this information in no way obligates my Lender, Mortgage Servicer, Investor or Insuror to provide assistance to me. AUTHORIZATION: By signing this Financial Statement, I hereby authorize my Lender, Mortgage Servicer, Insurer and their respective agents to order a credit report and verify any and all employment and account information.

PLEASE SIGN HERE

____________________________________ _____________

__________________________________ _____________

Borrower’s Signature

Co-borrower’s Signature

Date

Date

0078447-04-09


Monthly Expenditures DELINQUENT? Y/N

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN DESCRIPTION Household Expenses: Mortgage Payment Other Mortgages Alimony / Child Support Child Care Electric / Gas / Heat Water / Sewage Telephone / Internet Food for Household School / Work Lunches Clothing / Dry Cleaning Cable TV / Satellite Total Household Expenses Credit Card Expenses: VISA MasterCard Dept. Store Credit Card Other Credit Cards Total Credit Card Expenses Auto Expenses: Auto Loan #1 Auto Loan #2 Auto Insurance Gasoline Auto Repairs Parking Total Auto Expenses Personal Loans: Personal Loan #1 Personal Loan #2 Total Personal Loans Insurance/Medical Expenses: Health Insurance Life Insurance Doctors / Dentists Prescriptions Medical bills Total Ins/Medical Expenses Miscellaneous Expenses: Charity / Donations Union Dues / Club Dues Entertainment Sports / Hobbies Vacations Misc. Expense #1 Misc. Expense #2 Misc. Expense #3 Total Misc. Expenses TOTAL EXPENSES

MONTHLY DUE

BALANCE DUE

$

$

$

$

$

$

$

$

$

$

$ $

$

NOTES

PLEASE NOTE: DO NOT list bills in the MONTHLY DUE column if they are a "one time"debt. Please note if any of the above bills are deducted from your paycheck. Please note any loans which will be paid in full within the next 6 months.

0078447-04-09


7 TLS, have you transmitted all R text files for this cycle update?

I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506, PAGE 1 of 2 MARGINS: TOP 13 mm (1⁄ 2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄ 2 ") 3 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT

Date

Form

Action

Date

Signature

O.K. to print Revised proofs requested

Request for Transcript of Tax Return

4506-T

©

(Rev. January 2008)

OMB No. 1545-1872

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

©

Do not sign this form unless all applicable lines have been completed. Read the instructions on page 2. Request may be rejected if the form is incomplete, illegible, or any required line was blank at the time of signature.

Department of the Treasury Internal Revenue Service

Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first.

1b First social security number on tax return or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return

2b Second social security number if joint tax return

3

Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4

Previous address shown on the last return filed if different from line 3

5

If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information.

Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506-T, and lines 6 and 9 are blank. 6

Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. ©

a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days

b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days

7

Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed within 10 business days

8

Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9

Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

/

/

/

/

/

/

/

/

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Telephone number of taxpayer on line 1a or 2a

Sign Here

© © ©

(

Signature (see instructions)

)

Date

Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

Date Cat. No. 37667N

Form

4506-T

(Rev. 1-2008)


7 I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506-T, PAGE 2 of 2 MARGINS: TOP 13 mm (1⁄ 2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄ 2 ") 3 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT

Form 4506-T (Rev. 1-2008)

Page

General Instructions

Chart for all other transcripts

Purpose of form. Use Form 4506-T to request tax return information. You can also designate a third party to receive the information. See line 5. Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns. Where to file. Mail or fax Form 4506-T to the address below for the state you lived in, or the state your business was in, when that return was filed. There are two address charts: one for individual transcripts (Form 1040 series and Form W-2) and one for all other transcripts. If you are requesting more than one transcript or other product and the chart below shows two different RAIVS teams, send your request to the team based on the address of your most recent return.

If you lived in or your business was in:

Partnerships. Generally, Form 4506-T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9. All others. See Internal Revenue Code section 6103(e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the Letters Testamentary authorizing an individual to act for an estate.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Mail or fax to the “Internal Revenue Service” at:

Note. You can also call 1-800-829-1040 to request a transcript or get more information.

Chart for individual transcripts (Form 1040 series and Form W-2) If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service” at:

District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New York, Vermont

RAIVS Team Stop 679 Andover, MA 05501

Alabama, Delaware, Florida, Georgia, North Carolina, Rhode Island, South Carolina, Virginia Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A.P.O. or F.P.O. address Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa, Kansas, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming Arkansas, Connecticut, Illinois, Indiana, Michigan, Missouri, New Jersey, Ohio, Pennsylvania, West Virginia

RAIVS Team P.O. Box 47-421 Stop 91 Doraville, GA 30362

978-247-9255

770-455-2335

RAIVS Team Stop 6716 AUSC Austin, TX 73301

512-460-2272 RAIVS Team Stop 37106 Fresno, CA 93888

559-456-5876

RAIVS Team Stop 6705–B41 Kansas City, MO 64999

816-292-6102

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wyoming, a foreign country, or A.P.O. or F.P.O. address Connecticut, Delaware, District of Columbia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia, Wisconsin

RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409

801-620-6922

RAIVS Team P.O. Box 145500 Stop 2800 F Cincinnati, OH 45250

859-669-3592

Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN.

Line 6. Enter only one tax form number per request. Signature and date. Form 4506-T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506-T within 60 days of the date signed by the taxpayer or it will be rejected. Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506-T exactly as your name appeared on the original return. If you changed your name, also sign your current name. Corporations. Generally, Form 4506-T can be signed by: (1) an officer having legal authority to bind the corporation, (2) any person designated by the board of directors or other governing body, or (3) any officer or employee on written request by any principal officer and attested to by the secretary or other officer.

2

Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. Sections 6103 and 6109 require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103. The time needed to complete and file Form 4506-T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506-T simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating Committee, SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave. NW, IR-6526, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.


IS

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

SOLID

HERE TO HELP

Short Sale Guide

SunTrust Mortgage, Inc. (STM) is dedicated to careful counseling and responsible lending, and we view foreclosure as the last resort for customers experiencing financial difficulty. Foreclosures hurt everyone involved — homeowners, lenders, communities, and the economy as a whole. Our goal is to help our clients be successful homeowners through responsible lending. One of the options available for assistance may include the Short Sale. What is a Short Sale? A Short Sale is a workout option that allows the homeowner (mortgagor) to sell the home for less than the total amount owed on the mortgage. Upon final approval, a Short Sale can help mortgagors avoid foreclosure action. How to get started (Short Sale package requirements) Typically, the real estate agent takes charge of gathering all required documentation. This package must include: from the real estate agent: • Arm’s Length Transaction document • HUD-1 • fully-executed listing agreement • fully-executed purchase contract

from the mortgagor: • Signed and dated financial worksheet listing all monthly expenses • Signed and dated hardship letter (an explanation of why the homeowner is unable to pay the mortgage) • Letter authorizing the real estate agent access to information on the account (must be dated and include the last 4 digits of the mortgagor’s Social Security Number and signature, the full account number and the complete property address)

from the mortgagor (continued): • last two (2) years tax returns • two (2) most recent bank statements (within 30 days) • third party authorization form (to speak with real estate agent, attorney or other 3rd party) • completed financial form • two (2) most recent pay stubs (within 30 days) The real estate agent faxes the complete Short Sale Package to 804.675.7399, Attn: Setup.

Short Sale approval process 1. Once all documentation is received (please refer to “Short Sale package” requirements), the short sale team completes a property valuation (appraisal or BPO per investor requirements). 2. The Short Sale file is then assigned to a negotiator on the Short Sale team who will review the file including the documentation and the offer. 3. If there is any missing documentation or request for more information, the Short Sale negotiator will contact the designated third party or the mortgagor. 4. Once all of the required documentation and information is received and in order (refer to “Short Sale package” requirements), the Short Sale negotiator recommends approval to the investor and/or insurer. If the Short Sale offer is acceptable, the negotiator drafts and sends an approval letter to the borrower(s) and/or the designated third party. The Short Sale negotiator then works closely with the real estate agent, title company and the mortgagor to establish a final settlement date. The Short Sale approval is good for up to 45 days.

(Continued on back)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Additional Information • If the Short Sale fails to close, the entire Short Sale package may need to be resubmitted with updated information, or the approval process may need to start over. • The real state agent or STM mortgagor-designated third party should direct their inquiries 1.800.443.1032, Option 3. The Loss Mitigation Team will answer their questions regarding the status of the account. The call will be forwarded to the Short Sale negotiator as appropriate. • Real estate agents are generally allowed 5% to 6% commission based on investor rules. If dual agency applies, maximum commission is 5%. Some investors operate on a reduced commission structure and the actual commission schedule can be confirmed during the introduction call.

• The Short Sale must be an “arm’s-length” transaction. The property may not be sold to anyone the seller has a close personal or business relationship with, including family, friends or neighbors. • During the discussion with the short sale negotiator, the following will be addressed: - Commissions - Fees and costs - Pricing of the property - Timeline - Borrower Contribution • In some cases investors and/or Private Mortgage Insurance (PMI) companies require mortgagors to make a cash contribution or sign an unsecured note for some or all of the difference between the net proceeds from the sale and the total amount due. This is communicated as part of the response on a Short Sale offer.

SunTrust Mortgage makes every attempt to process Short Sales within a time frame that suits sellers and buyers. Because there are often many parties involved in a transaction, and each Short Sale is different, it is difficult to know exactly how long the process will take. Here is an overview of the basic process: • Complete short sale application received. Note: Incomplete application will delay review/approval process.

• Property Evaluation completed (appraisal or BPO per investor requirement).

• Short Sale application assigned to Loss Mitigation Negotiator. • Short Sale negotiator completes initial review of Short Sale application. • Short Sale negotiator completes “Introduction Call” to real estate agent and homeowner. Additional Steps: • Mortgage insurer approval (if applicable). • Investor approval (if applicable). • Additional liens negotiated by real estate agent. • A completed net sheet/HUD-1 (our payoff is not necessary). • Fully executed purchase contract with all pages initiated by buyer(s) and seller(s). • Buyer pre-qualification letter or proof of funds if cash offer. All items above are complete. • Short Sale application decision. • Short Sale decision letters issued to appropriate parties.

Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-800-330-4684; is a licensed lender in Rhode Island; and is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020. ©2009 SunTrust Banks, Inc. SunTrust, SunTrust Mortgage and Live Solid. Bank Solid. are federally registered service marks of SunTrust Banks, Inc. REV 101409


Financial Information

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Loan Number:

Borrowers: List all persons whose names appear on your mortgage or note Name

Mailing Address

Social Security #

1.

-

-

2.

-

-

Do you collect rent for any part of this house? □ Yes □ No If yes, how much rent per month do you collect?

Telephone #

Day Evening

Day Evening Property Address

Person(s) whose income(s) will be used to meet family obligations Name

Income

(note weekly, bi-weekly, or monthly)

Gross

Present Employer(s)/ Type of Work

Address of Employer(s)

Telephone #(s)

Date Employed

Address of Employer

Telephone #

Date From/To /

Net

1. 2.

Previous Employer Name

Income

(note weekly, bi-weekly, or monthly)

Gross

Present Employer(s)/ Type of Work

Address of Employer(s)

Telephone #(s)

Date Employed

Address of Employer

Telephone #

Date From/To /

Net

1. 2.

Previous Employer

List all other income which is available to meet mortgage payments and other expenses. Identify sources of income (i.e. VA benefits, rent, social security, disability, alimony, welfare, child support, other benefits...etc. Person Receiving Income

Type of Income

Name, relationship and age(s) of dependents living with you

Name and Address of Source of Income

Name and relationship of other persons you support (former spouse, children...etc.)

Is the property listed for sale? □ Yes □ No If no, are you interested in selling the property? □ Yes □ No If yes, what is the list price? $ How long listed at this price? Original list price and date Price reduction(s) and date(s) How long has the property been listed? What is the Realtor’s Name & #? Do you have a second mortgage? □ Yes □ No Mortgage Holder Address & Phone # Principal Balance of 2nd Payment Amount $

Due Date of 2nd

Are there other liens or judgments against the property? □ Yes □ No Mortgage Holder If yes, who holds the lien? What is the amount of the lien? Are you living at the property? □ Yes □ No

Monthly Income


Financial Information (continued)

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Loan Number:

Do you expect future income (i.e. Insurance, disability claims, lawsuits, alimony, child support, rent...etc.)? Person(s) to receive added income

When?

From what source?

Lump sum

Monthly Amount ($)

Checking Account

Savings Bonds

Life Insurance (Cash Value)

Purchase Price

Monthly Payments

Monthly Income

Assets

How much money do you have in the following: Savings Account

Cash or Money Orders

List any real estate you own, besides your home Description of Property

Describe any emergency repairs necessary on your home (i.e. heat, plumbing, electrical, roof...etc.)

List the amount of each special deduction taken from your gross: Federal Income Tax

State/Local Income Tax

FICA and Retirement

Health Insurance

Life Insurance

Union Dues

Savings (bank, credit union...etc.)

Other (specify)

List below the amount you spend monthly for the following: Electricity/gas/oil

Water, Sewage

Home Maintenance

Telephone

Food (include food stamps)

Clothing

Other Household

Transportation Expenses

Auto Insurance

Medical/Dental

Life Insurance

Tuition & Books

Alimony & Child Support

Child Care

Other (specify)

List all your debts below. Include medical bills, charge accounts, payments due on cars and appliances, second mortgages and liens against your property. To Whom Owed

Account Number

Date Opened

For What Purpose

Present Balance

Monthly Payment

Date of 1st Payment

# of Payments Past Due

Explain, in your own words, why you got behind in your mortgage payments. How do you plan to catch up on your payment?

CertiďŹ cation

I, (We,) certify the information I (we) have given is true and complete to the best of my (our) knowledge and belief.

Signature

Date

Signature

Date


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN SELLER

Affadavit of “Arm’s Length Transaction”

State of County of

[Seller] (Hereinafter referred to as “Seller” and/or “Affiant”), being duly sworn, deposes and says, that s/he is the party selling the property identified as [street address] to [Buyer] (hereinafter referred to as “Buyer”) in a short sale transaction;

Affiant further says that no party to the sales contract, including Buyer, Seller’s Agent or Buyer’s Agent, is a relative of, business associate of, or shares any business interest with, Seller; Affiant further says that there are no hidden or implied terms or special understandings between Seller, Buyer, Seller’s Agent or Buyer’s Agent which have not been made part of the written sales contract and which have not been disclosed to all interested parties; Affiant further says that there are no agreements or understandings, written or implied, that will permit Seller to remain in the above mentioned property as a renter or to regain ownership of said property at anytime after the execution of this short sale transaction. Affiant further says that beyond any contractual sales commissions owed to the Seller’s Agent and/ or Buyer’s Agent, no party to this short sale transaction will receive any proceeds from the sale of the above mentioned property.

/

Signature of Affiant / Date

/ Signature of Affiant / Date

Printed Name of Affiant

Printed Name of Affiant

1 of 4


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN BUYER

Affidavit of “Arm’s Length Transaction”

State of County of

[Buyer] (hereinafter referred to as “Buyer” and/or “Affiant”), being duly sworn, deposes and says, that s/he is the party purchasing the property identified as [street address] from [Seller] (hereinafter referred to as “Seller”) in a short sale transaction;

Affiant further says that no party to the sales contract, including Buyer, Seller’s Agent or Buyer’s Agent, is a relative of, business associate of, or shares any business interest with, Seller; Affiant further says that there are no hidden or implied terms or special understandings between Seller, Buyer, Seller’s Agent or Buyer’s Agent which have not been made part of the written sales contract and which have not been disclosed to all interested parties; Affiant further says that there are no agreements or understandings, written or implied, that will permit Seller to remain in the above mentioned property as a renter or to regain ownership of said property at anytime after the execution of this short sale transaction. Affiant further says that beyond any contractual sales commissions owed to the Seller’s Agent and/ or Buyer’s Agent, no party to this short sale transaction will receive any proceeds from the sale of the above mentioned property.

/

Signature of Affiant / Date

/ Signature of Affiant / Date

Printed Name of Affiant

Printed Name of Affiant

2 of 4


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN BUYER’S AGENT

Affidavit of “Arm’s Length Transaction”

State of County of

(hereinafter referred to as “Buyer’s Agent” and/or “Affiant”), being duly sworn, deposes and says, that s/he is representing (hereinafter referred to as “Buyer”) as his/her agent to the sale of the property identified as [street address] from (hereinafter referred to as “Seller”) in a short sale transaction;

Affiant further says that no party to the sales contract, including Buyer, Seller’s Agent or Buyer’s Agent, is a relative of, business associate of, or shares any business interest with, Seller; Affiant further says that there are no hidden or implied terms or special understandings between Seller, Buyer, Seller’s Agent or Buyer’s Agent which have not been made part of the written sales contract and which have not been disclosed to all interested parties; Affiant further says that there are no agreements or understandings, written or implied, that will permit Seller to remain in the above mentioned property as a renter or to regain ownership of said property at anytime after the execution of this short sale transaction. Affiant further says that beyond any contractual sales commissions owed to the Seller’s Agent and/ or Buyer’s Agent, no party to this short sale transaction will receive any proceeds from the sale of the above mentioned property.

Date

Signature of Affiant

Printed Name and Company of Affiant

3 of 4


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN SELLER’S AGENT

Affidavit of “Arm’s Length Transaction”

State of County of

(hereinafter referred to as “Seller’s Agent” and/or “Affiant”), being duly sworn, deposes and says, that s/he is representing (hereinafter referred to as “Seller”) as his/her agent to the sale of the property identified as [street address] to (hereinafter referred to as “Buyer”) in a short sale transaction;

Affiant further says that no party to the sales contract, including Buyer, Seller’s Agent or Buyer’s Agent, is a relative of, business associate of, or shares any business interest with, Seller; Affiant further says that there are no hidden or implied terms or special understandings between Seller, Buyer, Seller’s Agent or Buyer’s Agent which have not been made part of the written sales contract and which have not been disclosed to all interested parties; Affiant further says that there are no agreements or understandings, written or implied, that will permit Seller to remain in the above mentioned property as a renter or to regain ownership of said property at anytime after the execution of this short sale transaction. Affiant further says that beyond any contractual sales commissions owed to the Seller’s Agent and/ or Buyer’s Agent, no party to this short sale transaction will receive any proceeds from the sale of the above mentioned property.

Date

Signature of Affiant

Printed Name and Company of Affiant

4 of 4


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Listing Addendum

Listing Information: (Date)

(Loan Number)

Seller(s):

Seller(s):

Property Address: _____________________________________

City, State, Zip Code:

Date of original listing agreement: Listing Agent/Broker Name:

(License Number)

Property Condition: Property is being sold in an “as is” condition.

Listing Agreement: "Seller may cancel this Agreement prior to the ending date of the listing period without advance notice to the Broker, and without payment of a commission or any other consideration if the property is conveyed to the mortgage insurer or the mortgage holder. The sale completion is subject to approval by the mortgagee.”

Arms-Length Transaction – Mortgagors and mortgagees must adhere to ethical standards of conduct in their dealings with all parties involved in a Short Sale transaction. The Short Sale must be between two unrelated parties and be characterized by a selling price and other conditions that would prevail in a typical real estate sales transaction.

(Seller Signature)

(Date)

(Seller Signature)

(Date)

(Realtor / Broker Signature)

(Date)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Contract Addendum

Dated: ___________________ Seller:

Seller:

Buyer:

Buyer:

Property Address:

___________________________________________________________________________________________

City, State, Zip Code:

_________________________________________________________________________________________

This Addendum to Contract is entered into and is effective as of ___/___/____ by and between, Seller(s), Buyer(s) and Broker (hereinafter referred to as “the Parties”) and shall be deemed to amend, modify, and supplement that certain Contract Dated ___/___/___by and between Seller(s) and Buyer(s) (the “Contract”).

NOW, THEREFORE, in consideration of the mutual benefits to be derived from this Short Sale Addendum and of the representations, warranties, conditions and promises hereinafter acknowledged, Sellers, Buyers and Broker hereby agree as follows:

• The Parties acknowledge and agree that the Subject Property is being sold in “as is” condition. • The Parties acknowledge and agree that the Subject Property must be sold through an Arms Length Transaction— Mortgagors and mortgagees must adhere to ethical standards of conduct in their dealing with all parties involved in a Short Sale transaction. The Short Sale must be between two unrelated parties and be characterized by a selling price and other conditions that would prevail in a typical real estate sales transaction. No party to this contract is a family member, business associate, or shares a business interest with the mortgagor (Sellers). • Neither the Buyers, or Sellers, nor their Agents have any agreements written or implied that will allow the Seller to remain in the property as renters or regain ownership of said property at anytime after the execution of this Short Sale transaction. None of the parties shall receive any proceeds from this transaction except the approved sales commissions. • The Parties agree that this Short Sale transaction will not constitute appraisal fraud, flipping, identity theft and/or straw buying. • The Parties agree that the Seller may cancel this agreement prior to the ending date of the contract period without advance notice to the Broker, and without payment of a commission of any other consideration, if the property is conveyed to the mortgage insurer or the mortgage holder. • The Parties agree that the acceptance of the Short Sale is contingent upon the approval of FHA, VA government agencies, any Investor, and/or mortgage insurer or the mortgage holder. • The Parties agree that under no circumstances will the sales contract be assignable. • The Parties agree that this Addendum together with the Sales Contract shall constitute the entire and sole agreement between the Parties with respect to the sale of the subject property and superseded any prior agreements, negotiations, understandings, optional contracts, or other matters whether oral or written, with respect to the subject matter hereof. No alternations, modifications, or waiver of any provision hereof shall be valid unless in writing and signed by Parties, FHA, VA, government agencies, any Investor, and/or mortgage insurer or mortgage holder, hereto. IN WHITNESS WHEREOF, the Parties have executed this Addendum as of the date first written above. Seller: ___________________________________________________________________________ Date: ___________________ Seller: ___________________________________________________________________________ Date: ___________________

Buyer: ___________________________________________________________________________ Date: ___________________ Buyer: ___________________________________________________________________________ Date: ___________________ Broker/Realtor: ____________________________________________________________________ Date: ___________________


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

FINANCIAL WORK SHEET

LOAN No. :

Primary Insurance Certificate No. :

MIC/LGIC No. :

Borrower's Name : Borrower's Name : Home Phone No. :

Social Security # Social Security #

Work Phone No. :

If necessary who should we call to set up an appointment to appraise the property:

PROPERTY ADDRESS

Street Address, City, State, Zip Code :

MAILING ADDRESS (If different than property address)

_____Rent

____Own How Long _____

Street Address, City, State, Zip Code:

I. MONTHLY INCOME DATA DESCRIPTION

INCOME BORROWER

INCOME CO-BORROWER

TOTAL

Net Salary Wages

Commission/ Bonuses Other (Identify) Total Net Income

II. ASSETS

DESCRIPTION

III. LIABILITIES

ESTIMATED VALUE

DESCRIPTION

HOME

MORTGAGE

OTHER REAL ESTATE

OTHER MORTGAGE/RENT

AUTOMOBILE

ALIMONY/CHILD ARE

AUTOMOBILE

AUTOMOBILE

CHECKING ACCOUNTS

AUTOMOBILE

SAVING/MONEY MRKT

UTILITIES (TOTAL)

IRA/EOGH ACCOUNTS

STUDENT LOAN

401K/ESOP ACCOUNTS

CREDIT CARDS (TOTAL)

STOCK/BOND CD'S

FOOD/GROCERIES

OTHER INVESTMENTS

TRANSPORTATION

TUITION

LIFE INSURANCE

HEALTH INSURANCE AUTO INSURANCE

HOME ASSOCIATION DUES PROPERTY TAXES ENTERTAINMENT

PHONE/CELL PHONE CABLE/INTERNET

PROPERTY MAINTENANCE

MONTHLY PAYMENT

BALANCE DUE


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

CHARITIES/CHURCH

CLOTHING/DRY CLEANING GYM/CLUB DUES

OTHER: PLEASE LIST

TOTAL:

Please briefly explain your hardship or reason for being delinquent:

I (we) certify that the financial information stated above is true, and is an accurate statement of my/our financial condition. I/we understand and acknowledge that any action taken by the lender of my/our mortgage loan on my/our behalf will be

made in strict reliance on the financial information provided. My/our signature(s) below grants the holder of my/our mortgage the authority to obtain a credit report to verify the information in this financial to be accurate.

NOTICE: ATI Title Co. is a subsidiary of Norwest Mortgage, Inc. A lender is allowed to require the use of an Attorney, Escrow Agent, Credit Reporting Agency or Real Estate Appraiser chosen to represent the lender's interest.

By:___________________ Date:_____/____/____ By__________________

FINAL INSTRUCTIONS

* Make sure you have signed and dated the form * Include copy of your last year's Federal Tax Return with all attachments * Include copy of your most recent pay stubs or proof of income if self-employed

Date____/____/_____


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Listing Addendum

Listing Information: (Date)

(Loan Number)

Seller(s):

Seller(s):

Property Address: _____________________________________

City, State, Zip Code:

Date of original listing agreement: Listing Agent/Broker Name:

(License Number)

Property Condition: Property is being sold in an “as is” condition.

Listing Agreement: "Seller may cancel this Agreement prior to the ending date of the listing period without advance notice to the Broker, and without payment of a commission or any other consideration if the property is conveyed to the mortgage insurer or the mortgage holder. The sale completion is subject to approval by the mortgagee.”

Arms-Length Transaction – Mortgagors and mortgagees must adhere to ethical standards of conduct in their dealings with all parties involved in a Short Sale transaction. The Short Sale must be between two unrelated parties and be characterized by a selling price and other conditions that would prevail in a typical real estate sales transaction.

(Seller Signature)

(Date)

(Seller Signature)

(Date)

(Realtor / Broker Signature)

(Date)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Contract Addendum

Dated: ___________________ Seller:

Seller:

Buyer:

Buyer:

Property Address:

___________________________________________________________________________________________

City, State, Zip Code:

_________________________________________________________________________________________

This Addendum to Contract is entered into and is effective as of ___/___/____ by and between, Seller(s), Buyer(s) and Broker (hereinafter referred to as “the Parties”) and shall be deemed to amend, modify, and supplement that certain Contract Dated ___/___/___by and between Seller(s) and Buyer(s) (the “Contract”).

NOW, THEREFORE, in consideration of the mutual benefits to be derived from this Short Sale Addendum and of the representations, warranties, conditions and promises hereinafter acknowledged, Sellers, Buyers and Broker hereby agree as follows:

• The Parties acknowledge and agree that the Subject Property is being sold in “as is” condition. • The Parties acknowledge and agree that the Subject Property must be sold through an Arms Length Transaction— Mortgagors and mortgagees must adhere to ethical standards of conduct in their dealing with all parties involved in a Short Sale transaction. The Short Sale must be between two unrelated parties and be characterized by a selling price and other conditions that would prevail in a typical real estate sales transaction. No party to this contract is a family member, business associate, or shares a business interest with the mortgagor (Sellers). • Neither the Buyers, or Sellers, nor their Agents have any agreements written or implied that will allow the Seller to remain in the property as renters or regain ownership of said property at anytime after the execution of this Short Sale transaction. None of the parties shall receive any proceeds from this transaction except the approved sales commissions. • The Parties agree that this Short Sale transaction will not constitute appraisal fraud, flipping, identity theft and/or straw buying. • The Parties agree that the Seller may cancel this agreement prior to the ending date of the contract period without advance notice to the Broker, and without payment of a commission of any other consideration, if the property is conveyed to the mortgage insurer or the mortgage holder. • The Parties agree that the acceptance of the Short Sale is contingent upon the approval of FHA, VA government agencies, any Investor, and/or mortgage insurer or the mortgage holder. • The Parties agree that under no circumstances will the sales contract be assignable. • The Parties agree that this Addendum together with the Sales Contract shall constitute the entire and sole agreement between the Parties with respect to the sale of the subject property and superseded any prior agreements, negotiations, understandings, optional contracts, or other matters whether oral or written, with respect to the subject matter hereof. No alternations, modifications, or waiver of any provision hereof shall be valid unless in writing and signed by Parties, FHA, VA, government agencies, any Investor, and/or mortgage insurer or mortgage holder, hereto. IN WHITNESS WHEREOF, the Parties have executed this Addendum as of the date first written above. Seller: ___________________________________________________________________________ Date: ___________________ Seller: ___________________________________________________________________________ Date: ___________________

Buyer: ___________________________________________________________________________ Date: ___________________ Buyer: ___________________________________________________________________________ Date: ___________________ Broker/Realtor: ____________________________________________________________________ Date: ___________________


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

FINANCIAL WORK SHEET

LOAN No. :

Primary Insurance Certificate No. :

MIC/LGIC No. :

Borrower's Name : Borrower's Name : Home Phone No. :

Social Security # Social Security #

Work Phone No. :

If necessary who should we call to set up an appointment to appraise the property:

PROPERTY ADDRESS

Street Address, City, State, Zip Code :

MAILING ADDRESS (If different than property address)

_____Rent

____Own How Long _____

Street Address, City, State, Zip Code:

I. MONTHLY INCOME DATA DESCRIPTION

INCOME BORROWER

INCOME CO-BORROWER

TOTAL

Net Salary Wages

Commission/ Bonuses Other (Identify) Total Net Income

II. ASSETS

DESCRIPTION

III. LIABILITIES

ESTIMATED VALUE

DESCRIPTION

HOME

MORTGAGE

OTHER REAL ESTATE

OTHER MORTGAGE/RENT

AUTOMOBILE

ALIMONY/CHILD ARE

AUTOMOBILE

AUTOMOBILE

CHECKING ACCOUNTS

AUTOMOBILE

SAVING/MONEY MRKT

UTILITIES (TOTAL)

IRA/EOGH ACCOUNTS

STUDENT LOAN

401K/ESOP ACCOUNTS

CREDIT CARDS (TOTAL)

STOCK/BOND CD'S

FOOD/GROCERIES

OTHER INVESTMENTS

TRANSPORTATION

TUITION

LIFE INSURANCE

HEALTH INSURANCE AUTO INSURANCE

HOME ASSOCIATION DUES PROPERTY TAXES ENTERTAINMENT

PHONE/CELL PHONE CABLE/INTERNET

PROPERTY MAINTENANCE

MONTHLY PAYMENT

BALANCE DUE


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

CHARITIES/CHURCH

CLOTHING/DRY CLEANING GYM/CLUB DUES

OTHER: PLEASE LIST

TOTAL:

Please briefly explain your hardship or reason for being delinquent:

I (we) certify that the financial information stated above is true, and is an accurate statement of my/our financial condition. I/we understand and acknowledge that any action taken by the lender of my/our mortgage loan on my/our behalf will be

made in strict reliance on the financial information provided. My/our signature(s) below grants the holder of my/our mortgage the authority to obtain a credit report to verify the information in this financial to be accurate.

NOTICE: ATI Title Co. is a subsidiary of Norwest Mortgage, Inc. A lender is allowed to require the use of an Attorney, Escrow Agent, Credit Reporting Agency or Real Estate Appraiser chosen to represent the lender's interest.

By:___________________ Date:_____/____/____ By__________________

FINAL INSTRUCTIONS

* Make sure you have signed and dated the form * Include copy of your last year's Federal Tax Return with all attachments * Include copy of your most recent pay stubs or proof of income if self-employed

Date____/____/_____


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN


Merge

WILSHIRE CREDIT CORPORATION 9848498484984849848498484

FINANCIAL STATEMENT BORROWER INFORMATION Account #: _______________

Reason For Delinquency ___________________________

Have you contacted a Consumer Credit Counseling Agency? _____

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

If “Yes” Agency Name and Contact Number: _____________________________________________

Borrower Name: Co-Borrower Name:

Social Security No: Social Security No:

Mortgaged Prop. Address: ______________________________________________________________________ Mailing Address: ______________________________________________________________________________ Home Phone: ________________________ Other Phone: ________________________

EMPLOYMENT INFORMATION

BORROWER

CO-BORROWER

Employer: Emp. Address: Emp. Phone: Job Position:

Employer: Emp. Address:

(

Emp. Phone: Job Position:

)

(

)

BANKRUPTCY INFORMATION

Chapter Type: Filing Date: Case #:

Attorney Name: Phone #: Active:

Yes:

No:

ASSETS / LIABILITIES

DESCRIPTION

Primary Residence Address:

ESTIMATED VALUE

AMOUNT OWED

NET VALUE

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Number of dependents living on the property ________ Number of persons living on the property _________ Is the property listed for sale?______ If Yes please list Agent name and contact phone number. (____)__________________________________________ Listing Price $ __________________________________ Other Real Property Address:

Number of Automobiles Owned ______ Automobile Make / Model: Automobile Make / Model: Bank Accounts – Checking: Bank Accounts – Savings: IRA / KEOGH Accounts: 401K Savings Plan:

Stocks / Bonds/ CDs: Boats:

Cash Value of Life Insurance: Face Value of Life Insurance: Collections / Art/ Coins, Etc:

PO Box 8517, Portland, OR 97207

Fax No. 503.525.7287

14523 SW Millikan Way, Suite 200, Beaverton, OR 97005


WILSHIRE CREDIT CORPORATION

Computers: Other: $

Other:

$

$

Other:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Other:

INCOME DATA

DESCRIPTION

Gross Salary / Wages:

INCOME $

$

TOTAL

$

Overtime Pay: Commissions: Bonuses:

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Alimony / Child Support: Rental Property:

Interest / Dividends: Savings Accounts: Life Insurance:

Stocks / Bonds:

“Less” Taxes:

Federal Income Tax: FICA:

State Income Tax: Other:

Other Deductions (Specify): Other Income (Specify): Other Income (Specify):

NET INCOME:

DESCRIPTION

MONTHLY PYMT$

BALANCE DUE

#MONTHS DELINQ

Mortgage and Land Contract:

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Other Mortgage(s) Child Care:

Alimony / Child Support Automobile Loan: Automobile Loan:

Finance Company: Installment:

Other Loan (Specify): Visa:

MasterCard:

Other Credit Card (Specify): Other Credit Card (Specify): Cooperative (COOP) Fees: Garnishment/Levy:

Hazard Insurance (rental & residence): HOA Special Assessment: HOA / Condo Maintenance: IRS Tax Payment:

PO Box 8517, Portland, OR 97207

Fax No. 503.525.7287

14523 SW Millikan Way, Suite 200, Beaverton, OR 97005


WILSHIRE CREDIT CORPORATION School Tuition: Taxes:

$

$

$

$

$

$

Utilities (rental & residence): Automobile Insurance: Health Insurance: Life Insurance:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Church:

Club or Union Dues:

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Doctor / Dentist:

Pharmaceutical Drugs: Hospital:

Gasoline (Auto):

Auto Maintenance: Monthly Parking:

Food / Groceries (Family):

School or Work Lunches Purchased: New Clothes / Shoes: Dry Cleaning:

Spending Money: Cable TV:

Clubs, Sports & Hobbies:

Entertainment (Movies, Dinner, Etc.): Vacations:

Other (Please Specify): Other (Please Specify): Other (Please Specify): Other (Please Specify): Other (Please Specify):

TOTAL:

AUTHORIZATION AND ACKNOWLEDGEMENT

I obtained a Mortgage Loan secured by the above referenced mortgaged property. I certify that all information presented herein as well as attachments are true, accurate and correct to the best of my knowledge. I understand that submission of this information in no way obligates my mortgage servicer, owner of my mortgage or insurer to provide assistance to me.

By signing this Financial Statement, I hereby authorize my mortgage servicer and / or mortgage insurer to: 1) order a credit report from any credit reporting agency; 2) verify, when deemed necessary, any current or previous employment, bank accounts, tax returns, or assets; 3) contact my real estate agent and/or credit counseling service representative (if applicable); 4) release any and all information concerning the above.

I agree that if the financial information provided herein is incorrect and such errors have induced actions by the mortgage servicer, owner of my mortgage or mortgage insurer that would not have been taken, had the true facts been known, I shall be liable for any or all losses or damages to those persons.

YOU SHOULD CONSIDER THIS LETTER AS COMING FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. ANY INFORMATION PROVIDED BY YOU WILL BE USED TO COLLECT THIS DEBT. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE http://www.ago.state.co.us/cadc/cadcmain.cfm. NEW YORK CITY: License 1032551. NORTH CAROLINA: Permit 3840. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Wilshire Credit Corporation is licensed to do business at 14523 S.W. Millikan Way, Beaverton, OR. Wilshire’s office hours are Monday – Friday 6:00 am to 5:00 pm Pacific time, holidays excluded. PLEASE SIGN BELOW

Borrower

Date

PO Box 8517, Portland, OR 97207

Co-borrower

Fax No. 503.525.7287

Date

14523 SW Millikan Way, Suite 200, Beaverton, OR 97005


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


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FINANCIAL ANALYSIS FORM Loan #: Borrower: Social Security Number: Co-Borrower: Social Security Number:

Res. Tel. #:

Work Tel. #:

Res. Tel. #:

Work Tel. #:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Property Address: City:

State:

Zip Code:

Current Address (if different from property address – Do not use Post Office Box):

City:

State:

Zip Code:

Total number of dependents: __________________________ Have you contacted credit-counseling services?_______________________________ Is your home listed for sale?__________________________ If yes, who is your agent? ________________________________________________ Borrower Employment History Currently Employed? How Long?: Present Employer: Position/Title: If self-employed, name of co.:

Yes

Description

Co-Borrower Employment History Currently Employed? Yes How Long?: Present Employer: Position/Title: If self-employed, name of co.:

No

Monthly Income Borrower Co-Borrower

Social Security Number: Net Salary/Wages Unemployment Income Child Support/Alimony Disability Income Rental Income

$ $ $ $ $

$ $ $ $ $

No

Total

$ $ $ $ $

Assets/Liabilities – If you own real estate in addition to your personal residence, please attach a complete list of property addresses / name(s) of Lender / Lender’s address and phone number / account numbers / monthly payment / amount owed / estimated value & rental income. Description Personal Residence Personal Property Checking Accounts Savings Accounts IRA/401K/Keogh Accounts Stocks/Bonds/CD’s Cash Value of Life Insurance Other

Estimated Value

Totals

Amount Owed

Net Value

$ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $

$

$

$

Expenses

Description Other Mortgages/Liens/Rents Alimony/Child Support Homeowners Assoc. Dues Child Care Health Insurance Medical Credit Card/Installment Loans Auto Loan(s) Auto Expenses/Gasoline/Insurance Food/Spending Money Water/Sewer/Utilities/Phone Other

Page 1 of 2

Monthly Payment

Balance Due

$ $ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $ $

$ $ $

$ $ $

Delinquent Yes

No

OOMCAPPL (07-07-05))


Borrower(s) Financial Hardship

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

(Reason for Delinquency/Inability to Satisfy Mortgage Obligation)

I/we obtained a mortgage loan secured by the above-described property. I/we have described my/our present financial condition and reason for default on this financial analysis form and have attached required documentation. Under my/our present circumstances, I/we cannot bring my/our mortgage loan current. Therefore, I/we hereby request assistance under American Home Mortgage Servicing, Inc.’s loss mitigation program.

If my/our lender and/or servicer determine that the information and/or documentation provided by me/us with this financial analysis form is incomplete, or insufficient to render a decision as to my/our eligibility for a loss mitigation workout, my/our request for a loss mitigation workout may be denied or delayed until I/we have provided the lender and/or servicer with additional information and/or documentation as requested by them. If any information and/or documentation has been misrepresented by me/us, I/we understand and agree that such misrepresentation will be grounds either for immediate rejection of my/our request for assistance or immediate termination of any loss mitigation workout agreed to by the lender and/or servicer. Furthermore, I/we shall be liable for any losses or damages suffered by the lender and/or servicer as a result of such misrepresentation. By signing below, I/we certify that the information and documentation provided is true and correct to the best of my/our knowledge. In the event a third party is designated to act on my/our behalf, I/we have included written authorization to the designee to act on my/our behalf. In the event I/we am/are able to bring the loan current or are able to sell the property for an amount sufficient to pay off my/our mortgage loan in full during the evaluation process, I/we understand that my/our request for participation in American Home Mortgage Servicing, Inc’s loss mitigation program will be withdrawn without further action. Submitted this

day of

,

.

____________________________________________ Signature of Borrower

_____________________ Date

____________________________________________ Signature of Borrower

_____________________ Date

REMINDER

Before mailing, make sure you have signed and dated this form. Include copies of your last two months pay stubs, and bank statements of your checking and/or savings accounts. If you are self-employed, attach a copy of the past six-month’s profit and loss statement along with your most recent Federal Tax returns. If property is Income/Rental property, please provide a copy of the current Lease Agreement(s). This is an attempt to collect a debt and any information obtained will be used for that purpose.

Page 2 of 2

OOMCAPPL (07-07-05))


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN BORROWER FINANCIAL STATEMENT

LOAN NUMBER:

Borrower Name

Social Security #

Home Phone #

Date of Birth

Co-Borrower Name

Work Phone #

Social Security #

Date of Birth

Phone #

Work Phone #

MISCELLANEOUS

Mailing Address

Property Address

Do you occupy the property? Yes No

Is it a Rental? Yes

Is the Property listed for sale? If so, Agent's Name Phone #

Yes

Have you ever-filed bankruptcy?

No

Yes

No

Total number of persons living in the property:

No

If yes, what chapter:

Are there any other liens or judgements against the property? Yes

No

EMPLOYMENT INFORMATION

Employer - Borrower

How Long?

Employer - Co-borrower

MONTHLY INCOME BORROWER

Pay schedule (check one)

weekly

bi- weekly

How Long?

MONTHLY INCOME CO-BORROWER

monthly

Pay Schedule (check one)

weekly

bi- weekly

Wages

$

Wages

$

Unemployment / Disability Income

$

Unemployment / Disability Income

$

Child Support / Alimony Received

$

Child Support / Alimony Received

$

Rents Received

$

Rents Received

$

Other

$

Other

$

$

TOTAL:

TOTAL:

monthly

$

MONTHLY EXPENSES

ASSETS

Mortgage Payment

$

Type

Estimated Value

Auto Loan(s)

$

Home

Auto Expenses and Insurance

$

Other Real Estate

Credit Cards / Installment Loans

$

Checking

$

Health Insurance not deducted from paycheck

$

$

Medical Bills

$

Savings / Money Market Cars and Value #

Child Care / Support / Alimony Paid

$

IRA / Keogh Account(s)

$

Food and Spending Money

$

401 K / ESOP Account(s)

$

Water / Sewer / Utilities / Phone

$

Stocks / Bonds

$

Homeowner Association Fees / Dues

$

Other

$

List Others:

$

Other

$

TOTAL:

$

TOTAL:

$

$

#

$

$

I agree as follows: My lender may discuss, obtain, and share information about my mortgage and personal financial situation with third parties such as purchasers, real estate brokers, insurers, financial institutions, creditors, and credit bureaus. Discussion and negotiations of a possible foreclosure alternative will not constitute a waiver of or defense to my lenders right to commerce or continue any foreclosure or other collection action, and an alternative to foreclosure will be provided only if an agreement has been approved in writing by my lender. The information herein is an accurate statement of my financial status.

LSV:085g (05/18/2007)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Submitted this __________day of ___________, 200____ By: _________________________

Date:__

____

Date:__

____

Signature of Borrower

By: _________________________

*BEFORE MAILING, MAKE SURE YOU HAVE SIGNED AND DATED THIS FORM, ATTACH A COPY OF YOUR (2) MOST RECENT PAYSTUBS, BANK STATEMENT(S) OF YOUR CHECKING AND/OR SAVINGS ACCOUNT AND A LETTER EXPLAINING THE REASON FOR DELIQUENCY.

Signature of Borrower

BORROWER' NAME:

LOAN NUMBER:

Explanation of Financial Hardship:

IT IS VERY IMPORTANT THAT YOU EXPLAIN YOUR FINANCIAL HARDSHIP

I am having problems making my monthly payfment because of financial difficulties created by: (Check all options that apply) Military Service Incarceration Reduced Income Medical Bills

Business Failure Death of Spouse Too Much Debt Job Relocations

Divorce/Separation Disability Unemployment Illness

Other (Please specify)

I believe that my situation is

Temporary

Permanent

Explain your situation below:

LSV:085g (05/18/2007)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Aurora Loan Services Dear Borrower:

Our records show that you have fallen behind on your mortgage payment and WE WANT TO FIND A WAY TO HELP YOU. If you are suffering a hardship due to loss of employment, death of a relative, reduction of income, illness or any other unexpected event, please read the following.

It may be possible for you to avoid foreclosure on your property. In an effort to help you find a solution, we would be happy to review possible alternatives with you. Certain information you provide will assist us in determining your needs and our ultimate recommendation to cure your delinquency. After careful review of your financial position, you may be eligible for one of our assistance programs and we can help you determine the best alternative. You are encouraged to call our office for more information. So that we may better assist you, each borrower is required to submit the information set forth below. 1. 2. 3. 4. 5.    

-Hardship letter -Personal Financial Statement (Enclosed) -Copies of all pay stubs for the past 2 months or proof of all income -Copies of all bank statements for the past 2 months (checking, savings) -Copies of last two years income tax returns -Authorization to Release (if using a 3 rd Party) -Listing Agreement (if applicable) -Sales Contract on the Home (if applicable) -HUD-1 or Net Sheet (if applicable)

Additional information and documentation may be required for some forms of assistance.

Please keep in mind that this letter does not constitute a commitment or approval for assistance. Normal collection proceedings up to and including foreclosure, will continue during the review process. Therefore, we recommend that you provide Aurora Loan Services with the required financial information as soon as possible so that we can timely assess your options for avoiding foreclosure. If you have any questions you may contact me. Sincerely,

Auora Loan Servicing (800) 521-3828

Fax to: 866-517-7976

Attn: New Package

10350 Park Meadows Dr. Littleton, Colorado 80124 (800) 550-0509 *FAX (720) 945-4910


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

MONTHLY INCOME: Borrower’s monthly NET income: $ _________________________ Co-Borrower’s monthly NET income: $ _________________________ Other Income: Please circle below $ _________________________ Child support $ _________________________ Disability $ _________________________ Umeployment $ _________________________ Alimony $ _________________________ Rental $ _________________________ Other _________________ DOWN PAYMENT TOWARDS DELINQUENCY $__________________

MONTHLY EXPENSES: Monthly Payment: Monthly Payment Balance Owed Mortgage Payment: $ _________________ 2nd Mortgage: $ _____________ $_________________ Child Care: $ _________________ Other Mortgages: $ _____________ $_________________ Alimony/Child Support: $ _________________ Rent Paid: $ _____________ Telephone: $__________________ Doctor Bills: $ _____________ $_________________ Cell Phone/Pager: $ _________________ Hospital Bills $ _____________ $_________________ Gas/Oil: $ _________________ Auto Loan Pmt: $ _____________ $_________________ Electricity: $ _________________ Auto Loan Pmt: $ _____________ $_________________ Trash/Sewer: $ _________________ *Homeowner Ins: $ _____________ $_________________ Food: $ _________________ *Property Taxes: $ _____________ $_________________ Water: $ _________________ Homeowners Association $_________________________ Auto Insurance: $ _________________ Credit Cards $ _________________ Transportation/Gasoline: $ _________________ *If not included in Mortgage Payment Life Insurance: $ _________________ Cable/Satellite: $ _________________ Clothing: $ _________________ Prescriptions: $ _________________

10350 Park Meadows Dr. Littleton, Colorado 80124 (800) 550-0509 *FAX (720) 945-4910


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Personal Budget Worksheet

Please complete the following in order for us to fully assess your situation and provide a response to your request for assistance.

Borrower Name: Co-Borrower Name: Property Address:

Billing Address:

Contact Information

Borrower

Home: Work: Mobile:

Co-Borrower

Income (List net income for all household members) Borrower: $ Co-Borrower: $ Other Household Members: $ Child Support/Alimony: $ Rental Income: $ Other Income: $

Please explain the reason you fell behind on your payments:

Expenses (List minimum monthly payment) 1st Mortgage (Include tax/ins): $ 2nd Mortgage: $ Other Mortgages or Rent: $ Auto Loan 1: $ Auto Loan 2: $ Installment Loan(s): $ Credit Cards: $ Child Care:

$

Child Support/Alimony: School/Tuition: Electric: Gas/Oil: Water: Auto Insurance: Life/Other Insurance: Transportation (gas, bus fare): Groceries: Dining Out: Cell Phone: Home Phone: Cable/Satellite: Internet: Misc/Other:

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $

Borrower: _____________________

Mail or FAX to:

Home Retention Department 475 CrossPoint Pkwy NY2-002-01-17 Getzville, NY 14068 Fax: 716.635.7255

Home: Work: Mobile:

Date: _____________


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Short Sale Information Packet

In order for us to evaluate your Short Sale request, you must complete this packet, sign in all the required places and fax or mail it to Chase with the required documentation. Please keep a copy of everything you send to us for your records. This packet contains the following items:

1. Required Documentation Checklist – Detailed list of the documents you must send to us in addition to the packet a. From You, the Borrower and Co-borrower b. From Your Real Estate Agent

2. Authorization to Provide and Release Information – Grants Chase permission to provide information pertaining to your mortgage to necessary agents

3. Request for Consideration of Short Sale – Information about your property, loans, income, etc., as well as details on the circumstances that have made it difficult for you to stay up-to-date with your mortgage payments 4. 4506T-EZ Request for Transcript of Tax Return Form – Allows Chase to receive a transcript of your tax return to verify income information

If you need any assistance completing this packet please contact us: For Chase mortages: 800-446-8939. For WaMu mortgages: 800-848-9380.

Please send the completed packet as well as all required documentation to Chase: By Regular Mail:

By Overnight Mail:

Chase Fulfillment Center P.O. Box 469030 Glendale, CO 80246

Chase Fulfillment Center 4500 Cherry Creek Drive South Suite #100 Glendale, CO 80246 By Fax: 866-220-4130

Important Information

We are attempting to collect a debt, and any information obtained will be used for that purpose.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s name, address, and telephone number.

If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received a final discharge in a bankruptcy, this notice is for compliance and/or informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy laws. However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 1 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Required Documentation Checklist

1A. FROM YOU, THE BORROWER AND CO-BORROWER

If you are a Wage Earner (you receive a W-2 from your employer) please provide:  Two (2) most recent Pay Stubs (two for each borrower)

 Length of service with Current Employer: Borrower Year(s):______ Month(s):______

Co-borrower Year(s):______ Month(s):______

 Most recent one (1) month’s complete Bank Statement

If you are Self Employed, please provide:

 P & L Statement / Audited or reviewed YTD Income Statement (must provide)

 Most recent two (2) years’ Tax Returns Completed (personal and business, signed with all pages) or 1099s or most recent two (2) years filed and proof of extension

 Last four (4) months complete Business and Personal Bank Statements (must provide all pages. If a business account is not used, provide a written statement stating a business account is not used) Everyone must provide the following:

 Most recent statement(s) supporting assets listed on page 2 of the Request for Consideration of Short Sale Form (must provide all pages of statements)  Most recent completed Tax Return (signed with all pages) or most recent filed and proof of extension (signed with all pages)  Proof of occupancy (if owner occupied) - a recent utility bill in your name at property address  If loan is Non-Escrowed:

A) Copy of the most recent property tax bill(s) with a copy of the cancelled check for all applicable taxes (County, City, School, etc.) B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner’s, flood, and wind) C) Proof of payment of Homeowner’s Association Fees (if applicable)

 If Non-Owner Occupied:

A) Rental Income with copies of Rental Agreement if a tenant resides in the property

B) Amount of Principal, Interest, Taxes, Insurance, and Home Owner Dues for Primary Residence C) Primary Residence Address

 Authorization to Provide and Release Information- Allows Realtor or designee to discuss the account with Chase, if desired. Be sure to sign this form  Completed Request for Consideration of Short Sale Form (enclosed). Be sure to sign and date this form.

 Completed 4506T-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.

1B. FROM YOUR REAL ESTATE AGENT  Listing Agreement

 Detailed Listing History (MLS Printout)

 Sales / Purchase Contract (Signed Offer)

 3 Comparable Active Listings/3 Comparable Sales/Pictures of the Property & Neighborhood  HUD (Estimated Closing Statement)

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 2 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

AUTHORIZATION TO PROVIDE AND RELEASE INFORMATION

TO:

Chase

DATE:

______________________________

RE: MORTGAGE LOAN NUMBER: ______________________________ BORROWER(S):

_________________________________________________

PROPERTY ADDRESS:

_________________________________________

_________________________________________

I/(We), _________________________________________________________________________(borrower(s) name(s)) , currently residing at _______________________________________________________________________ in the County of _________________________________, State of __________, hereby authorize Chase Home Finance LLP/JPMorgan Chase Bank, N.A (collectively “Chase”) to release, furnish, and provide any information related to my mortgage under loan number ____________________________ to _____________________________ _______________________________________________________________ (name of third party).

I UNDERSTAND THAT THIS AUTHORIZATION IS VALID UNTIL SUCH TIME THAT CHASE CONFIRMS IT HAS RECEIVED WRITTEN NOTICE FROM ME REVOKING THIS PRIOR AGREEMENT.

____________________________________________ Borrower Signature

____________________________________________ Co-borrower Signature

____________________________________________ Borrower Name (Printed)

____________________________________________ Co-borrower Name (Printed)

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 3 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 1 Loan I.D. Number____________________________________

Servicer ____________________________________

BORROWER

CO-BORROWER

Borrower’s name

Co-borrower’s name

Social Security number

Date of birth

Date of birth

Social Security number

Home phone number with area code

Home phone number with area code

Cell or work number with area code

Cell or work number with area code

I want to:

Keep the Property

Sell the Property

The property is my:

Primary Residence

Second Home

Investment

The property is:

Owner Occupied

Renter Occupied

Vacant

Mailing address

Property address (if same as mailing address, just write same)

E-mail address

Yes No _____________________ Agent’s Name: ___________________________________________ Agent’s Phone Number: ____________________________________ For Sale by Owner? Yes No

Have you contacted a credit-counseling agency for help Yes No If yes, please complete the following: Counselor’s Name: _________________________________________ Agency Name: ____________________________________________ Counselor’s Phone Number: __________________________________ Counselor’s E-mail: ________________________________________

Who pays the real estate tax bill on your property? I do Lender does Paid by condo or HOA Are the taxes current? Yes No Condominium or HOA Fees Yes No $ __________________ Paid to: _________________________________________________

Who pays the hazard insurance premium for your property? I do Lender does Paid by Condo or HOA Is the policy current? Yes No Name of Insurance Co.: ______________________________________ Insurance Co. Tel #: _________________________________________

Is the property listed for sale?

Yes

Yes Has your bankruptcy been discharged?

No

No Yes

If yes: No

Chapter 7 Chapter 13 Filing Date:_________________________ Bankruptcy case number _________________________________

Additional Liens/Mortgages or Judgments on this property: Lien Holder ’s Name/Servicer

Balance

Contact Number

Loan Number

HARDSHIP AFFIDAVIT

My household income has been reduced. For example: unemployment, underemployment, reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co-borrower.

My monthly debt payments are excessive and I am overextended with my creditors. Debt includes credit cards, home equity or other debt.

My expenses have increased. For example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes.

My cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time.

Other:

Explanation (continue on back of page 3 if necessary): __________________________________________________________________________

______________________________________________________________________________________________________________________

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 4 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 2

COMPLETE ALL FOUR PAGES OF THIS FORM 1

Number of People in Household:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

INCOME/EXPENSES FOR HOUSEHOLD Monthly Household Income

Monthly Household Expenses/Debt

Household Assets

Monthly Gross Wages

$

First Mortgage Payment

$

Checking Account(s)

$

Overtime

$

Second Mortgage Payment

$

Checking Account(s)

$

Child Support / Alimony / Separation2

$

Insurance

$

Savings/ Money Market

$

Social Security/SSDI

$

Property Taxes

$

CDs

$

Other monthly income from pensions, annuities or retirement plans

$

Credit Cards / Installment Loan(s) (total minimum payment per month)

$

Stocks / Bonds

$

Tips, commissions, bonus and self-employed income

$

Alimony, child support payments

$

Other Cash on Hand

$

$

Other Real Estate (estimated value)

$

$

Rents Received

Net Rental Expenses

Unemployment Income

$

HOA/Condo Fees/Property Maintenance

$

Other _____________

$

Food Stamps/Welfare

$

Car Payments

$

Other _____________

$

Other (investment income, royalties, interest, dividends etc.)

$

Other ________________ _____________________

$

Do not include the value of life insurance or retirement plans when calculating assets (401k, pension funds, annuities, IRAs, Keogh plans, etc.)

Total (Gross Income)

$

Tota l Debt/Expenses

$

Tota l Assets

$

INCOME MUST BE DOCUMENTED

1Include

combined income and expenses from the borrower and co-borrower (if any). If you include income and expenses from a household member who is not a borrower, please specify using the back of this form if necessary.

2You are not required to disclose Child Support, Alimony or Separation Maintenance income, unless you choose to have it considered by your servicer.

INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender or servicer may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required to note the information on the basis of visual observation or surname if you have made this request for a loan modification in person. If you do not wish to furnish the information, please check the box below. BORROWER

I do not wish to furnish this information

CO-BORROWER

I do not wish to furnish this information

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Sex:

Female Male

Sex:

Female Male

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 5 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 3

COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

ACKNOWLEDGEMENT AND AGREEMENT In making this request for consideration under the Making Home Affordable Program I certify under penalty of perjury:

1.

That all of the information in this document is truthful and the event(s) identified on page 1 is/are the reason that I need to request a modification of the terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.

2.

I understand that the Servicer, the U.S. Department of Treasury, or their agents may investigate the accuracy of my statements and may require me to provide supporting documentation. I also understand that knowingly submitting false information may violate Federal law.

3.

I understand the Servicer will pull a current credit report on all borrowers obligated on the Note.

4.

I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any facts(s) in connection with this document, the Servicer may cancel any Agreement under Making Home Affordable and may pursue foreclosure on my home.

5.

I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner and to otherwise comply with all requirements of the Making Home Affordable Program that may be in effect from time to time.

6.

I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification or short sale or deed-in-lieu of foreclosure, but the Servicer is not obligated to offer me assistance based solely on the statements in this document.

7.

I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt.

8.

If I was discharged in a Chapter 7 bankruptcy proceeding subsequent to the execution of the Loan Documents, or am currently entitled to the protections of any automatic stay in bankruptcy, I acknowledge that Servicer is providing the information about the Making Home Affordable program at my request and for informational purposes, and not as an attempt to impose personal liability for the debt evidenced by the Note.

9.

I acknowledge that while my request is being evaluated, the Servicer may suspend any scheduled foreclosure sale, but may continue to send legal notices related to foreclosure. Any pending foreclosure action will not be dismissed and may be immediately resumed from the point at which it was suspended if I fail to comply with the terms and conditions of the Making Home Affordable program, including any trial period plan, and no new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will be necessary to continue the foreclosure action. All rights to such notices are hereby waived by me to the extent permitted by applicable law. I further acknowledge that when the Servicer accepts and posts a payment during the time I am being evaluated, including during any trial period, it will be without prejudice to, and will not be deemed a waiver of, the acceleration of the loan or any foreclosure action and related activities and shall not constitute a cure of any default under the loan documents evidencing and securing the loan unless such payments are sufficient to completely cure my entire default under the loan documents. If I am in foreclosure, I agree that all trial payments will be made in certified funds.

10.

I further acknowledge and agree that if I am offered a trial period plan by the Servicer, making the first payment due under such trial period plan shall be deemed an acceptance of the terms and conditions of the plan.

11.

I understand that the Servicer will collect and record personal information, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity. I understand and consent to the disclosure of my personal information and the terms of Making Home Affordable Agreement by Servicer to (a) the U.S. Department of the Treasury; (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s); (d) companies that perform support services in conjunction with Making Home Affordable; and (e) any HUD certified housing counselor.

12.

I will execute such other and further documents as may be reasonably necessary to either (i) consummate the terms and conditions of this Plan or any final modification, short sale or deed-in-lieu of foreclosurethat I am offered; or (ii) correct the terms and conditions of this Plan or any final modification that I am offered if an error is discovered or the Servicer deems it reasonably necessary to comply with the terms of the Making Home Affordable Program or other program for which I may qualify.

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 6 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 4

Date:

BORROWER SIGNATURE

Date:

CO-BORROWER SIGNATURE

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 7 of 9


Form

4506T-EZ

Short Form Request for Individual Tax Return Transcript

(Rev. January 2010)

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

 Request

OMB No. 1545-2154

Department of the Treasury Internal Revenue Service

may not be processed if the form is incomplete or illegible.

Tip. Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge.

1a Name shown on tax return. If a joint return, enter the name shown first.

1b First social security number on tax return

2a If a joint return, enter spouse’s name shown on tax return.

2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4 Previous address shown on the last return filed if different from line 3

5 If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information. Third party name

Telephone number

For Chase mortgages: 800-446-8939 For WaMu mortgages: 800-848-9380

Chase Fulfillment Center Address (including apt., room, or suite no.), city, state, and ZIP code

Regular Mail: PO Box 469030, Glendale, CO 80246

6

Overnight Mail: 4500 Cherry Creek Drive South, Suite 100, Glendale, CO 80246

Year(s) requested. Enter the year(s) of the return transcript you are requesting (for example, “2008”). Most requests will be processed within 10 business days. 2009

2008

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 before signing. Sign and date the form once you have filled in line 6. Completing these steps helps to protect your privacy.

Note. If the IRS is unable to locate a return that matches the taxpayer identity information provided above, or if IRS records indicate that the return has not been filed, the IRS may notify you or the third party that it was unable to locate a return, or that a return was not filed, whichever is applicable. Signature of taxpayer(s). I declare that I am the taxpayer whose name is shown on either line 1a or 2a. If the request applies to a joint return, either husband or wife must sign. Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Telephone number of taxpayer on line 1a or 2a

Sign Here



Signature (see instructions)

Date



Spouse’s signature

Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

SSIP 04/10B (Chase) 8592A

Cat. No. 54185S

Short Sale Information Packet Page 8 of 9

Form

4506T-EZ

(Rev. 01-2010)


Form 4506T-EZ (Rev. 01-2010)

If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service” at:

Florida, Georgia, North Carolina, South Carolina

RAIVS Team P.O. Box 47-421 Stop 91 Doraville, GA 30362 770-455-2335

Use Form 4506-T to request the following. • A transcript of a business return (including estate and trust returns).

• An account transcript (contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed). • A record of account, which is a combination of line item information and later adjustments to the account.

• A verification of nonfiling, which is proof from the IRS that you did not file a return for the year.

• A Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. Form 4506-T can also be used for requesting tax return transcripts.

Automated transcript request. You can call 1-800-829-1040 to order a tax return transcript through the automated self-help system. You cannot have a transcript sent to a third party through the automated system.

Where to file. Mail or fax Form 4506T-EZ to the address below for the state you lived in when that return was filed. If you are requesting more than one transcript or other product and the chart below shows two different RAIVS teams, send your request to the team based on the address of your most recent return.

SSIP 04/10B (Chase) 8592A

Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A.P.O. or F.P.O. address

RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272

Alaska, Arizona, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming

RAIVS Team Stop 37106 Fresno, CA 93888 559-456-5876

Arkansas, Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia

RAIVS Team Stop 6705 P-6 Kansas City, MO 64999 816-292-6102

Signature and date. Form 4506T-EZ must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506T-EZ within 120 days of the date signed by the taxpayer or it will be rejected.

Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506T-EZ exactly as your name appeared on the original return. If you changed your name, also sign your current name.

Short Sale Information Packet Page 9 of 9

2

Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. Sections 6103 and 6109 require you to provide this information, including your SSN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103. The time needed to complete and file Form 4506T-EZ will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 9 min.; Preparing the form, 18 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506T-EZ simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating Committee, SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave. NW, IR-6526, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Purpose of form. Individuals can use Form 4506T-EZ to request a tax return transcript that includes most lines of the original tax return. The tax return transcript will not show payments, penalty assessments, or adjustments made to the originally filed return. You can also designate a third party (such as a mortgage company) to receive a transcript on line 5. Form 4506T-EZ cannot be used by taxpayers who file Form 1040 based on a fiscal tax year (that is, a tax year beginning in one calendar year and ending in the following year). Taxpayers using a fiscal tax year must file Form 4506-T, Request for Transcript of Tax Return, to request a return transcript.

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Short Sale Information Packet

In order for us to evaluate your Short Sale request, you must complete this packet, sign in all the required places and fax or mail it to Chase with the required documentation. Please keep a copy of everything you send to us for your records. This packet contains the following items:

1. Required Documentation Checklist – Detailed list of the documents you must send to us in addition to the packet a. From You, the Borrower and Co-borrower b. From Your Real Estate Agent

2. Authorization to Provide and Release Information – Grants Chase permission to provide information pertaining to your mortgage to necessary agents

3. Request for Consideration of Short Sale – Information about your property, loans, income, etc., as well as details on the circumstances that have made it difficult for you to stay up-to-date with your mortgage payments 4. 4506T-EZ Request for Transcript of Tax Return Form – Allows Chase to receive a transcript of your tax return to verify income information

If you need any assistance completing this packet please contact us: For Chase mortages: 800-446-8939. For WaMu mortgages: 800-848-9380.

Please send the completed packet as well as all required documentation to Chase: By Regular Mail:

By Overnight Mail:

Chase Fulfillment Center P.O. Box 469030 Glendale, CO 80246

Chase Fulfillment Center 4500 Cherry Creek Drive South Suite #100 Glendale, CO 80246 By Fax: 866-220-4130

Important Information

We are attempting to collect a debt, and any information obtained will be used for that purpose.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney’s name, address, and telephone number.

If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received a final discharge in a bankruptcy, this notice is for compliance and/or informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy laws. However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 1 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Required Documentation Checklist

1A. FROM YOU, THE BORROWER AND CO-BORROWER

If you are a Wage Earner (you receive a W-2 from your employer) please provide:  Two (2) most recent Pay Stubs (two for each borrower)

 Length of service with Current Employer: Borrower Year(s):______ Month(s):______

Co-borrower Year(s):______ Month(s):______

 Most recent one (1) month’s complete Bank Statement

If you are Self Employed, please provide:

 P & L Statement / Audited or reviewed YTD Income Statement (must provide)

 Most recent two (2) years’ Tax Returns Completed (personal and business, signed with all pages) or 1099s or most recent two (2) years filed and proof of extension

 Last four (4) months complete Business and Personal Bank Statements (must provide all pages. If a business account is not used, provide a written statement stating a business account is not used) Everyone must provide the following:

 Most recent statement(s) supporting assets listed on page 2 of the Request for Consideration of Short Sale Form (must provide all pages of statements)  Most recent completed Tax Return (signed with all pages) or most recent filed and proof of extension (signed with all pages)  Proof of occupancy (if owner occupied) - a recent utility bill in your name at property address  If loan is Non-Escrowed:

A) Copy of the most recent property tax bill(s) with a copy of the cancelled check for all applicable taxes (County, City, School, etc.) B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner’s, flood, and wind) C) Proof of payment of Homeowner’s Association Fees (if applicable)

 If Non-Owner Occupied:

A) Rental Income with copies of Rental Agreement if a tenant resides in the property

B) Amount of Principal, Interest, Taxes, Insurance, and Home Owner Dues for Primary Residence C) Primary Residence Address

 Authorization to Provide and Release Information- Allows Realtor or designee to discuss the account with Chase, if desired. Be sure to sign this form  Completed Request for Consideration of Short Sale Form (enclosed). Be sure to sign and date this form.

 Completed 4506T-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.

1B. FROM YOUR REAL ESTATE AGENT  Listing Agreement

 Detailed Listing History (MLS Printout)

 Sales / Purchase Contract (Signed Offer)

 3 Comparable Active Listings/3 Comparable Sales/Pictures of the Property & Neighborhood  HUD (Estimated Closing Statement)

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 2 of 9


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

AUTHORIZATION TO PROVIDE AND RELEASE INFORMATION

TO:

Chase

DATE:

______________________________

RE: MORTGAGE LOAN NUMBER: ______________________________ BORROWER(S):

_________________________________________________

PROPERTY ADDRESS:

_________________________________________

_________________________________________

I/(We), _________________________________________________________________________(borrower(s) name(s)) , currently residing at _______________________________________________________________________ in the County of _________________________________, State of __________, hereby authorize Chase Home Finance LLP/JPMorgan Chase Bank, N.A (collectively “Chase”) to release, furnish, and provide any information related to my mortgage under loan number ____________________________ to _____________________________ _______________________________________________________________ (name of third party).

I UNDERSTAND THAT THIS AUTHORIZATION IS VALID UNTIL SUCH TIME THAT CHASE CONFIRMS IT HAS RECEIVED WRITTEN NOTICE FROM ME REVOKING THIS PRIOR AGREEMENT.

____________________________________________ Borrower Signature

____________________________________________ Co-borrower Signature

____________________________________________ Borrower Name (Printed)

____________________________________________ Co-borrower Name (Printed)

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 3 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 1 Loan I.D. Number____________________________________

Servicer ____________________________________

BORROWER

CO-BORROWER

Borrower’s name

Co-borrower’s name

Social Security number

Date of birth

Date of birth

Social Security number

Home phone number with area code

Home phone number with area code

Cell or work number with area code

Cell or work number with area code

I want to:

Keep the Property

Sell the Property

The property is my:

Primary Residence

Second Home

Investment

The property is:

Owner Occupied

Renter Occupied

Vacant

Mailing address

Property address (if same as mailing address, just write same)

E-mail address

Yes No _____________________ Agent’s Name: ___________________________________________ Agent’s Phone Number: ____________________________________ For Sale by Owner? Yes No

Have you contacted a credit-counseling agency for help Yes No If yes, please complete the following: Counselor’s Name: _________________________________________ Agency Name: ____________________________________________ Counselor’s Phone Number: __________________________________ Counselor’s E-mail: ________________________________________

Who pays the real estate tax bill on your property? I do Lender does Paid by condo or HOA Are the taxes current? Yes No Condominium or HOA Fees Yes No $ __________________ Paid to: _________________________________________________

Who pays the hazard insurance premium for your property? I do Lender does Paid by Condo or HOA Is the policy current? Yes No Name of Insurance Co.: ______________________________________ Insurance Co. Tel #: _________________________________________

Is the property listed for sale?

Yes

Yes Has your bankruptcy been discharged?

No

No Yes

If yes: No

Chapter 7 Chapter 13 Filing Date:_________________________ Bankruptcy case number _________________________________

Additional Liens/Mortgages or Judgments on this property: Lien Holder ’s Name/Servicer

Balance

Contact Number

Loan Number

HARDSHIP AFFIDAVIT

My household income has been reduced. For example: unemployment, underemployment, reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co-borrower.

My monthly debt payments are excessive and I am overextended with my creditors. Debt includes credit cards, home equity or other debt.

My expenses have increased. For example: monthly mortgage payment reset, high medical or health care costs, uninsured losses, increased utilities or property taxes.

My cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time.

Other:

Explanation (continue on back of page 3 if necessary): __________________________________________________________________________

______________________________________________________________________________________________________________________

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 4 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 2

COMPLETE ALL FOUR PAGES OF THIS FORM 1

Number of People in Household:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

INCOME/EXPENSES FOR HOUSEHOLD Monthly Household Income

Monthly Household Expenses/Debt

Household Assets

Monthly Gross Wages

$

First Mortgage Payment

$

Checking Account(s)

$

Overtime

$

Second Mortgage Payment

$

Checking Account(s)

$

Child Support / Alimony / Separation2

$

Insurance

$

Savings/ Money Market

$

Social Security/SSDI

$

Property Taxes

$

CDs

$

Other monthly income from pensions, annuities or retirement plans

$

Credit Cards / Installment Loan(s) (total minimum payment per month)

$

Stocks / Bonds

$

Tips, commissions, bonus and self-employed income

$

Alimony, child support payments

$

Other Cash on Hand

$

$

Other Real Estate (estimated value)

$

$

Rents Received

Net Rental Expenses

Unemployment Income

$

HOA/Condo Fees/Property Maintenance

$

Other _____________

$

Food Stamps/Welfare

$

Car Payments

$

Other _____________

$

Other (investment income, royalties, interest, dividends etc.)

$

Other ________________ _____________________

$

Do not include the value of life insurance or retirement plans when calculating assets (401k, pension funds, annuities, IRAs, Keogh plans, etc.)

Total (Gross Income)

$

Tota l Debt/Expenses

$

Tota l Assets

$

INCOME MUST BE DOCUMENTED

1Include

combined income and expenses from the borrower and co-borrower (if any). If you include income and expenses from a household member who is not a borrower, please specify using the back of this form if necessary.

2You are not required to disclose Child Support, Alimony or Separation Maintenance income, unless you choose to have it considered by your servicer.

INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender or servicer may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required to note the information on the basis of visual observation or surname if you have made this request for a loan modification in person. If you do not wish to furnish the information, please check the box below. BORROWER

I do not wish to furnish this information

CO-BORROWER

I do not wish to furnish this information

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Ethnicity:

Hispanic or Latino Not Hispanic or Latino

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Race:

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White

Sex:

Female Male

Sex:

Female Male

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Short Sale Information Packet Page 5 of 9


REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 3

COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

ACKNOWLEDGEMENT AND AGREEMENT In making this request for consideration under the Making Home Affordable Program I certify under penalty of perjury:

1.

That all of the information in this document is truthful and the event(s) identified on page 1 is/are the reason that I need to request a modification of the terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.

2.

I understand that the Servicer, the U.S. Department of Treasury, or their agents may investigate the accuracy of my statements and may require me to provide supporting documentation. I also understand that knowingly submitting false information may violate Federal law.

3.

I understand the Servicer will pull a current credit report on all borrowers obligated on the Note.

4.

I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any facts(s) in connection with this document, the Servicer may cancel any Agreement under Making Home Affordable and may pursue foreclosure on my home.

5.

I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner and to otherwise comply with all requirements of the Making Home Affordable Program that may be in effect from time to time.

6.

I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification or short sale or deed-in-lieu of foreclosure, but the Servicer is not obligated to offer me assistance based solely on the statements in this document.

7.

I am willing to commit to credit counseling if it is determined that my financial hardship is related to excessive debt.

8.

If I was discharged in a Chapter 7 bankruptcy proceeding subsequent to the execution of the Loan Documents, or am currently entitled to the protections of any automatic stay in bankruptcy, I acknowledge that Servicer is providing the information about the Making Home Affordable program at my request and for informational purposes, and not as an attempt to impose personal liability for the debt evidenced by the Note.

9.

I acknowledge that while my request is being evaluated, the Servicer may suspend any scheduled foreclosure sale, but may continue to send legal notices related to foreclosure. Any pending foreclosure action will not be dismissed and may be immediately resumed from the point at which it was suspended if I fail to comply with the terms and conditions of the Making Home Affordable program, including any trial period plan, and no new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will be necessary to continue the foreclosure action. All rights to such notices are hereby waived by me to the extent permitted by applicable law. I further acknowledge that when the Servicer accepts and posts a payment during the time I am being evaluated, including during any trial period, it will be without prejudice to, and will not be deemed a waiver of, the acceleration of the loan or any foreclosure action and related activities and shall not constitute a cure of any default under the loan documents evidencing and securing the loan unless such payments are sufficient to completely cure my entire default under the loan documents. If I am in foreclosure, I agree that all trial payments will be made in certified funds.

10.

I further acknowledge and agree that if I am offered a trial period plan by the Servicer, making the first payment due under such trial period plan shall be deemed an acceptance of the terms and conditions of the plan.

11.

I understand that the Servicer will collect and record personal information, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity. I understand and consent to the disclosure of my personal information and the terms of Making Home Affordable Agreement by Servicer to (a) the U.S. Department of the Treasury; (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s); (d) companies that perform support services in conjunction with Making Home Affordable; and (e) any HUD certified housing counselor.

12.

I will execute such other and further documents as may be reasonably necessary to either (i) consummate the terms and conditions of this Plan or any final modification, short sale or deed-in-lieu of foreclosurethat I am offered; or (ii) correct the terms and conditions of this Plan or any final modification that I am offered if an error is discovered or the Servicer deems it reasonably necessary to comply with the terms of the Making Home Affordable Program or other program for which I may qualify.

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 6 of 9


COMPLETE ALL FOUR PAGES OF THIS FORM

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

REQUEST FOR CONSIDERATION OF SHORT SALE FORM page 4

Date:

BORROWER SIGNATURE

Date:

CO-BORROWER SIGNATURE

SSIP 04/10B (Chase) 8592A

Short Sale Information Packet Page 7 of 9


Form

4506T-EZ

Short Form Request for Individual Tax Return Transcript

(Rev. January 2010)

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

 Request

OMB No. 1545-2154

Department of the Treasury Internal Revenue Service

may not be processed if the form is incomplete or illegible.

Tip. Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge.

1a Name shown on tax return. If a joint return, enter the name shown first.

1b First social security number on tax return

2a If a joint return, enter spouse’s name shown on tax return.

2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4 Previous address shown on the last return filed if different from line 3

5 If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information. Third party name

Telephone number

For Chase mortgages: 800-446-8939 For WaMu mortgages: 800-848-9380

Chase Fulfillment Center Address (including apt., room, or suite no.), city, state, and ZIP code

Regular Mail: PO Box 469030, Glendale, CO 80246

6

Overnight Mail: 4500 Cherry Creek Drive South, Suite 100, Glendale, CO 80246

Year(s) requested. Enter the year(s) of the return transcript you are requesting (for example, “2008”). Most requests will be processed within 10 business days. 2009

2008

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 before signing. Sign and date the form once you have filled in line 6. Completing these steps helps to protect your privacy.

Note. If the IRS is unable to locate a return that matches the taxpayer identity information provided above, or if IRS records indicate that the return has not been filed, the IRS may notify you or the third party that it was unable to locate a return, or that a return was not filed, whichever is applicable. Signature of taxpayer(s). I declare that I am the taxpayer whose name is shown on either line 1a or 2a. If the request applies to a joint return, either husband or wife must sign. Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Telephone number of taxpayer on line 1a or 2a

Sign Here



Signature (see instructions)

Date



Spouse’s signature

Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

SSIP 04/10B (Chase) 8592A

Cat. No. 54185S

Short Sale Information Packet Page 8 of 9

Form

4506T-EZ

(Rev. 01-2010)


Form 4506T-EZ (Rev. 01-2010)

If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service” at:

Florida, Georgia, North Carolina, South Carolina

RAIVS Team P.O. Box 47-421 Stop 91 Doraville, GA 30362 770-455-2335

Use Form 4506-T to request the following. • A transcript of a business return (including estate and trust returns).

• An account transcript (contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed). • A record of account, which is a combination of line item information and later adjustments to the account.

• A verification of nonfiling, which is proof from the IRS that you did not file a return for the year.

• A Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. Form 4506-T can also be used for requesting tax return transcripts.

Automated transcript request. You can call 1-800-829-1040 to order a tax return transcript through the automated self-help system. You cannot have a transcript sent to a third party through the automated system.

Where to file. Mail or fax Form 4506T-EZ to the address below for the state you lived in when that return was filed. If you are requesting more than one transcript or other product and the chart below shows two different RAIVS teams, send your request to the team based on the address of your most recent return.

SSIP 04/10B (Chase) 8592A

Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A.P.O. or F.P.O. address

RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272

Alaska, Arizona, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming

RAIVS Team Stop 37106 Fresno, CA 93888 559-456-5876

Arkansas, Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia

RAIVS Team Stop 6705 P-6 Kansas City, MO 64999 816-292-6102

Signature and date. Form 4506T-EZ must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506T-EZ within 120 days of the date signed by the taxpayer or it will be rejected.

Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506T-EZ exactly as your name appeared on the original return. If you changed your name, also sign your current name.

Short Sale Information Packet Page 9 of 9

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Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. Sections 6103 and 6109 require you to provide this information, including your SSN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103. The time needed to complete and file Form 4506T-EZ will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 9 min.; Preparing the form, 18 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506T-EZ simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating Committee, SE:W:CAR:MP:T:T:SP, 1111 Constitution Ave. NW, IR-6526, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Purpose of form. Individuals can use Form 4506T-EZ to request a tax return transcript that includes most lines of the original tax return. The tax return transcript will not show payments, penalty assessments, or adjustments made to the originally filed return. You can also designate a third party (such as a mortgage company) to receive a transcript on line 5. Form 4506T-EZ cannot be used by taxpayers who file Form 1040 based on a fiscal tax year (that is, a tax year beginning in one calendar year and ending in the following year). Taxpayers using a fiscal tax year must file Form 4506-T, Request for Transcript of Tax Return, to request a return transcript.

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Form 1126 Borrower Financial Information Freddie Mac Loan Number CO-BORROWER

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

BORROWER

BORROWER’S NAME

CO-BORROWER’S NAME

SOCIAL SECURITY NUMBER

DATE OF BIRTH

SOCIAL SECURITY NUMBER

DATE OF BIRTH

HOME PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

HOME PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

WORK PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

WORK PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

CELL PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

CELL PHONE NUMBER WITH AREA CODE

(BEST TIME TO CALL)

MAILING ADDRESS

PROPERTY ADDRESS (IF SAME AS MAILING ADDRESS, JUST WRITE SAME)

Number of Dependants:

EMAIL ADDRESS

Is it rental property? Yes

Do you occupy the property? No Yes Is the property listed for sale? Yes No

If you have a lease agreement, please provide a copy.

No

Is it leased? Yes

If yes, please provide a copy of the listing agreement.

If yes, please complete counselor contact information below.

No

Have you contacted a credit-counseling agency for help? Yes

No

Agent’s Name: Agent’s Phone Number: Agent’s Email:

Counselor’s Name: Counselor’s Phone Number: Counselor’s Email: Do you receive, and pay, the Real Estate Tax bill on your home or Do you pay for a hazard insurance policy? Yes Lender does does your lender pay it for you? I do Is the policy current? Yes No Are the taxes current? Yes No If you pay it, please provide a copy of the policy.

No

If you pay it, please provide a copy of your tax statement.

Have you filed for bankruptcy? Yes

No

Has your bankruptcy been discharged? Yes

If yes: Chapter 7

No

Chapter 13

Filing Date:_______________

If yes, please provide a copy of the discharge order signed by the court.

INVOLUNTARY INABILITY TO PAY

I (We), __________________________________________________________, am/are requesting that the Federal Home Loan Mortgage Corporation (Freddie Mac) review my/our financial situation to determine if I/we qualify for a workout option. I am having difficulty making my monthly payment because of financial difficulties created by (Please check all that apply): Abandonment of Property Business Failure Casualty Loss Curtailment of Income Death in Family Death of Mortgagor Distant Employment Transfer

Excessive Obligations Fraud Illness in Family Illness of Mortgagor Inability to Rent Property Incarceration Marital Difficulties

Military Service Payment Adjustment Payment Dispute Property Problems Title Problems Transferring Property Unemployment

I believe that my situation is:

Short term (under 6 months)

Long term (over 6 months)

I want to:

Keep the Property

Sell the Property

Other

Permanent

Please provide a detailed explanation of the hardship on a separate sheet of paper.

If there are additional Liens/Mortgages or Judgments on this property, please name the person(s), company or firm and their respective telephone numbers.

$

Lien Holder’s Name

Balance / Interest Rate

Phone Number

(WITH AREA CODE)

Phone Number

(WITH AREA CODE)

$

Lien Holder’s Name

Balance / Interest Rate

Before mailing, make sure you have signed and dated the form and attached appropriate documentation. Volume 2 Bulletin 2007-5

Single-Family Seller/Servicer Guide

Page F1126---1 12/19/07


EMPLOYMENT BORROWER- EMPLOYER’S ADDRESS & PHONE #

HOW LONG?

CO-BORROWER- EMPLOYER’S ADDRESS & PHONE #

Monthly Income - Co-Borrower

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Monthly Income - Borrower

HOW LONG?

Gross Wages / Frequency of Pay

$

Gross Wages / Frequency of Pay

$

Unemployment Income

$

Unemployment Income

$

Child Support / Alimony*

$

Child Support / Alimony*

$

Disability Income/ SSI

$

Disability Income/ SSI

$

Rents Received

$

Rents Received

$

Other

$

Other

$

Less: Federal and State Tax, FICA

$

Less: Federal and State Tax, FICA

$

Less: Other Deductions (401K, etc.)

$

Less: Other Deductions (401K, etc.)

$

Commissions, bonus and self-employed income

$

Commissions, bonus and self-employed income

$

* * * * * ALL INCOME NEEDS TO BE DOCUMENTED * * * * * *

Paystub must be most recent date with year to date information.

Total (Net income)

$

Total (Net income)

Monthly Expenses

$

Assets

Other Mortgages / Liens

$

Auto Loan(s)

$

Checking Account(s)

$

Auto Expenses / Insurance

$

Saving / Money Market

$

Credit Cards / Installment Loan(s)

$

Stocks / Bonds / CDs

$

Health Insurance (not withheld from pay)

$

IRA / Keogh Accounts

$

Medical (Co-pays and Rx)

$

401k / ESPO Accounts

$

Child Care / Support / Alimony

$

Home

$

Food / Spending Money

$

Other Real Estate

#

$

Water / Sewer / Utilities / Phone

$

Cars

#

$

HOA/Condo Fees/Property Maintenance

$

Life Insurance (Whole Life not Term)

Life Insurance Payments (not withheld from pay)

$

Other

Total

$

Type

Estimated Value

(total minimum payment for both per month)

$ $

Total

$

* Alimony, child support or separate maintenance income need not be revealed if the Borrower or Co-borrower does not choose to have it considered for repaying this loan. I agree as follows: My lender may discuss, obtain and share information about my mortgage and personal financial situation with third parties such as purchasers, real estate brokers, insurers, financial institutions, creditors and credit bureaus. Discussions and negotiations of a possible foreclosure alternative will not constitute a waiver of or defense to my lender’s right to commence or continue any foreclosure or other collection action, and an alternative to foreclosure will be provided only if an agreement has been approved in writing by my lender. The information herein is an accurate statement of my financial status. I consent to being contacted concerning my Mortgage at any cellular or mobile telephone number I may have. This includes text messages and telephone calls to my cellular or mobile telephone.

Submitted this

By

day of

, 20

By

Signature of Borrower

Signature of Co-Borrower

Before mailing, make sure you have signed and dated the form and attached appropriate documentation. Volume 2 Bulletin 2007-5

Single-Family Seller/Servicer Guide

Page F1126---2 12/19/07


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

FOR LENDER USE ONLY Provide the appropriate information about the borrower, mortgage and property. If there are junior or superior liens, indicate the total amount owed, the name of the lien holder(s) and the status of the lien (i.e., current, in foreclosure, delinquent and indicate the number of days delinquent). The Debt analysis section is divided into three sections: the amount of expenses which have been paid or advanced to retain the lien status; the total amount of the mortgage debt, including the amount of escrow that remains after any advances have been made; and the pending expenses which you are aware are coming due, such as pending unpaid real estate taxes, and indicate the date that any unpaid expenses are due.

Freddie Mac Loan Number ⎜ ⎜ ⎜ ⎜ ⎜ ⎜

Seller/Servicer Loan Number

DDLPI

Current Interest rate

Preparer’s Name

Date Prepared

Seller/Servicer Name Address

Phone Number ( ) E-mail Address

Seller/Servicer Number ⎜ ⎜ ⎜ ⎜ ⎜ ⎜

Fax Number ( )

City

State

MI Contact Name

Phone Number (

)

If Primary MI Coverage: MI Company__________________________

If Pool MI Coverage: MI Company____________________________

Certificate #____________________________

Certificate #____________________________

% of Coverage__________________________

% of Coverage__________________________

Recommendation: Short Payoff Scheduled or Estimated Foreclosure Sale Date / / Deed in Lieu Makewhole Bankruptcy History: Chapter________ Date Filed / / Date Released / / Monthly payment: P & I $ ________Hazard Insurance $ _______Other Escrowed Amt $ __________ Taxes $ ________Mortgage Insurance Premium $ ___________________ If loan is an ARM: If loan is a GPM: Interest Rate:______Effective Date:________ Interest Rate:______ Effective Date:________ P&I__________ Interest Rate:______ Effective Date:________ Property Condition:

Good

MI Contribution $

Fair

Property Insurance Claim $

Borrower Contribution $

Junior Lien Amount $

Lien Holder

Status of Lien

Superior Lien Amount $ Expenses

Lien Holder Mortgage Debt

Appraisal/BPO

$

Unpaid Principal Balance

$

Real Estate Taxes Foreclosure Bankruptcy Water/Sewer Pmts Other (explain) (A) Total Expenses

$ $ $ $ $ $

Accrued Interest Positive Escrow Balance Negative Escrow (Net of advances) (B) Total Loan Amount Total Debt (A + B)

$ $ $ $ $ $

Status of Lien Pending Unpaid Expenses (describe/due date) Next RE taxes due $ / / $ $ $ $ $ Total $

Before mailing, make sure you have signed and dated the form and attached appropriate documentation. Volume 2 Bulletin 2007-5

Single-Family Seller/Servicer Guide

Page F1126---3 12/19/07


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Loan Number: _________________

Please allow five business days from the date of receipt to process your financial package. If you have any questions about the information requested, call us at 1.800.206.2901. Homeowner

Additional Homeowner

Name:

_______________

__________________

Work telephone:

_______________

__________________

Home telephone:

_______________

__________________

Cell phone:

_______________

__________________

Best time to call (Day/Time):

_______________

__________________

Total number of individuals in your household:

__________________

1. Tell us about your situation

What caused your financial hardship, and when did it begin? Has it been resolved? If not, when do you think it will be resolved? (If necessary, please attach an additional sheet.) ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________

Have any actions been taken to resolve the situation? (Examples: taken on another job, cut optional household expenses such as cable, etc.) ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________

2. Tell us about your property Please check all that apply: ___ I live in this house ___ This house is vacant

Homecomings Financial 2711 N. Haskell Avenue Suite 900 Dallas, TX 75204 800.206.2901 homecomings.com

___ This is a second home ___ This is a rental property (Monthly Rent: $_________)


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN 3. Tell us about your monthly household expenses

4. Tell us about your monthly household income

Home: $____________ (e.g. mortgage payment, property taxes)

Homeowner

Second Mortgage/Other Property

$____________

Utilities (e.g. electricity, gas, water, sewer, garbage, cell and home phones, Internet/cable)

$____________

Necessities (e.g. groceries, household supplies)

$____________

Transportation (e.g. car payment/lease, insurance, fuel, repair allowance, mass transit)

$____________

Insurance (e.g. medical/dental, life/disability, homeowners)

$____________

Monthly Debts (e.g. credit cards, student loans, personal loans, other)

$____________

Childcare/Education (e.g. school lunch, tuition, child support, day care, books)

$____________

Medical Expenses (e.g. hospital, clinic, pharmacy)

$____________

Disability

$____________

Income from disability payments is only for purposes of determining yourability to repay the obligation.

Rental Income

$____________

Unemployment

$____________

Child Support/Alimony

$____________

Income from alimony, child support, or separate maintenance payments need not be revealed unless you want it to be considered as a basis for repaying the obligation.

Total Monthly Net Income

$____________

Current Employment Status (please circle) Employed Full-time Employed Part-time Unemployed/NotWorking Self-Employed Retired Additional Homeowner

Entertainment $____________ (e.g. dining out, hobbies, movies, shows) Gifts (e.g. children's allowance, religious donations, holidays/birthdays)

Net Income $____________ (monthly income after taxes and benefits are deducted)

$____________

Net Income $____________ (monthly income after taxes and benefits are deducted) Disability

$____________

Income from disability payments is only for purposes of determining yourability to repay the obligation.

Rental Income

$____________

Miscellaneous $____________ (please describe: __________________)

Unemployment

$____________

Total Monthly Net Expenses

Child Support/Alimony

$____________

Income from alimony, child support, or separate maintenance payments need not be revealed unless you want it to be considered as a basis for repaying the obligation

$____________

-------------------------------------------------------------------------(If you have more than one mortgage, please complete the following items) Lender Name

_______________

Principal Balance

_______________

Monthly Payment Amount

_______________

Number of Delinquent Payments

_______________

Homecomings Financial 2711 N. Haskell Avenue Suite 900 Dallas, TX 75204 800.206.2901 homecomings.com

Total Monthly Net Income

$____________

Current Employment Status (please circle) Employed Full-time Employed Part-time Unemployed/NotWorking Self-Employed Retired


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN 5. If your account is not already escrowed for taxes and insurance or not required to be, do you wish to have an escrow account set up? If yes, please enclose a copy of the Homeowner’s Declaration from your insurance policy. 6. Tell us about your net worth Assets

Liabilities

Cash

$____________

401(k) Account Balance

$____________

Value of Stocks, Bonds, etc.

$____________

Other Real Estate Value

$____________

Value of Automobiles

$____________

Checking Account Balance

$____________

Savings Account Balance

$____________

Insurance Cash Value

$____________

Other

$____________

Total Assets

$____________

Loans Secured by Other Real Estate

$____________

Loans Secured by Automobiles

$____________

Credit Card / Charge Account Balances $____________ Balance of Personal Debts

$____________

Loan Secured by another lien on this property

$____________

Total Liabilities

$____________

Net Worth

$____________

(assets minus liabilities)

I agree that Homecomings Financial may discuss, obtain, and share information, about my mortgage and financial situation, including but not limited to FICO credit scores, with third parties regarding possible foreclosure alternatives. Negotiations for a possible foreclosure alternative will not constitute a waiver of or defense Homecomings Financial's right to begin or continue any action, and an alternative will be provided only if Homecomings Financial and I agree to an alternative in writing. I understand Homecomings Financial may require additional information to consider certain alternatives and I am willing to disclose requested information as necessary. Homecomings Financial may contact other parties with a financial interest in this property including, but not limited to, requesting and obtaining payoff and account information from other third parties. The information I provided above is an accurate statement of my financial status. _____________________ Signature of Homeowner

Homecomings Financial 2711 N. Haskell Avenue Suite 900 Dallas, TX 75204 800.206.2901 homecomings.com

________ Date

_____________________ Signature of Homeowner

________ Date


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

November 30, 2009

Green Tree Servicing LLC Attention: Central Recovery, T120 7360 S. Kyrene Road Tempe, AZ 85283-9814

Customer Name: Co-Borrower Name: Address: City,State,Zip: RE:

Account # Prop. Addr: Fax #: Short Sale Processing Procedures

Dear : Thank you for contacting Green Tree Servicing LLC* (“Green Tree”). Listed below is an overview of the short sale process guidelines. Please read them carefully, as failing to provide the appropriate documents could lead to slower processing of your application. • Before your property can be considered for a short sale, you will need to complete the attached Short Sale Application in its entirety. • A complete application includes the: o Pre-filled fax cover sheet o General Customer/Realtor Information Worksheet (1 page) o Customer Financial Information Worksheet (3 pages) o 1st Mortgage Information Worksheet, including Authorization to speak to 1st Lien Holder (2 pages) o Short Sale Application Instruction o Preliminary, completed HUD-1 for the transaction o Your customer hardship letter o Statements for all asset accounts disclosed in the Customer Financial Worksheet o Listing Agreement o Purchase Agreement o Proof of Income (recent paycheck stubs). o 2007 and 2008 tax returns

• We will not consider incomplete applications, and sending any unnecessary information will only slow down the application process. • Please fax the completed application to us at (866) 238-4892

• Please do not call to confirm receipt of your application. Due to the volume of applications, we are not able to confirm receipt of faxes. Your fax machine confirmation serves as sufficient confirmation that we have received your application. • Applications are reviewed on a first-come, first-served basis. Once the process begins, an associate will be assigned to review your application and will call you about your application status. The application review process may take up to 30 business days, so please be patient. • If you do not receive a call from one of our associates within 30 business days of submitting your application, please call us at (866) 270-3285. However, if you call us before this time, we will not have your application review completed, and will be unable to help you. NOTE: Once a Green Tree associate calls, you may contact us directly so that we may complete your approval. • As you put together your short sale package, please note that we will decline offers that include excessive fees or charges such as realtor commissions or loss mitigation/short sale consulting fees.

Sincerely,

Green Tree

* For purposes of this communication, Green Tree Servicing LLC includes: in Alabama, Green Tree-AL LLC; in Minnesota, Green Tree Loan Company; and in Pennsylvania, Green Tree Consumer Discount Company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Enc. – Short Sale Application

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Fax Cover Sheet Date: From: Number of Pages:

Green Tree Servicing LLC Central Recovery, T120 7360 S. Kyrene Road Tempe, AZ 85283-9814

To: Customer Name: Account #: Property Address:

Contact #: 1-877-567-3434 Fax: 1-866-238-4892

Short Sale Application completion checklist:

Please make sure that you have completed the following items before faxing in your application. Incomplete applications will not be considered.

General Customer/Realtor Information Worksheet (1 page) Customer Financial Information Worksheet (3 pages) 1st Mortgage Information Worksheet, including Authorization to speak to 1st Lien Holder (1 page) Short Sale Application Instruction (1 page) Completed, preliminary HUD-1 for this transaction Customer hardship letter Statements for all asset accounts disclosed in the Customer Financial Worksheet Listing Agreement Purchase Agreement Proof of Income (recent paycheck stubs) 2007 & 2008 tax returns

As a reminder, your fax machine’s confirmation serves as confirmation that we have received your application. Please wait 30 business days before calling to check on the status of your application, as we will not have any information prior to that time. Thank you in advance for your patience. The information contained in this facsimile transmission is privileged and confidential, and for the sole use of the intended recipient. If the reader of this message is not the intended recipient, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of the accompanying communication is prohibited. If you have received this communication in error, immediately notify us by telephone at the contact number above.

Short Sale Package-Recovery 07-20-2009

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

General Customer / Realtor Information Worksheet

Please provide the information below for the customer/account requesting a short sale: Name:

Account #:

Address of mortgaged property:

Current address:

Home phone: Work phone:

Current employer: Employer address:

Tenure with employer:

Is the property to be short sold owner-occupied (circle one):

Yes

No

Realtor name: Address:

Work phone: Cell phone:

Short Sale Package-Recovery 07-20-2009

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN Customer Financial Worksheet (Page 1 of 3)

All information must be completed for your Short Sale Application to be considered.

Name:

Account #:

How were the Mortgage Loan Proceeds used?

Uses

Amount

To purchase this property:

$

Payoff other Debt: Credit Cards: Mortgages: Vehicle (e.g., car, boat):

$ $ $

Living Expenses:

$

Make Payments on 1st Mortgage:

$

Home Repairs:

$

Repairs on other real estate:

$

Home Upgrades:

$

Upgrades on other real estate:

$

Address:

Purchase other real estate:

$

Address:

Down payment on other real estate:

$

Address:

Address:

Purchase other assets (e.g., car, boat, RV):

$ $ $

Short Sale Package-Recovery 07-20-2009

Type: Type: Type:

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Customer Financial Worksheet (Page 2 of 3) All information must be completed for your Short Sale Application to be considered. Name:

Account #:

Other Real Estate Owned:

1. Address:

1st Mortgage: Lender: 2nd Mortgage: Lender:

Balance: $ Balance: $

2. Address:

1st Mortgage: Lender: 2nd Mortgage: Lender:

Balance: $ Balance: $

3. Address:

1st Mortgage: Lender: 2nd Mortgage: Lender:

Balance: $ Balance: $

Other Assets (All assets must be disclosed): Statements for all asset accounts MUST be included. Automobile/Truck/Motorcycle: Year: Amount Owed: $

Make: ______ Model: Lien Holder: ______

Automobile/Truck/Motorcycle: Year: Amount Owed: $

Make: ______ Model: Lien Holder: ______

Automobile/Truck/Motorcycle: Year: Amount Owed: $

Make: ______ Model: Lien Holder: ______

Retirement Account: Type:

Value:

Investment Account: Type:

Value:

Bank Account: Type:

Value:

Bank Account: Type:

Value:

Savings Account: Type: Other: Description:

Value:

Value:

All assets should be listed. Additional assets not included above may be listed on a separate sheet. Short Sale Package-Recovery 07-20-2009

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Customer Financial Worksheet (Page 3 of 3) All information must be completed for your Short Sale Application to be considered.

Name:

Account #:

Monthly Income:

Source Name:

Monthly Gross/Net: $

/

Source Name:

Monthly Gross/Net: $

/

Source Name:

Monthly Gross/Net: $

/

Source Name:

Monthly Gross/Net: $

/

Monthly Expenses:

Transportation (gas, maintenance, insurance, etc.): $ Household (food, maintenance, taxes, insurance etc.): $

Utilities:

$

HOA:

$

Medical:

$

Insurance:

$

Automobiles/Other:

$

Credit Cards:

$

Are there any other changes to your financial situation since loan origination that we should be aware of that are not already incorporated into your hardship letter? Please explain fully.

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1st Mortgage Information Worksheet

Name of first mortgage holder: Address:

Phone Number: Fax Number:

Name of Account Holder:

Account Number: Payment Due:

Foreclosure date if applicable: Payoff amount

$

Please indicate if accepting (circle one):

Settlement

Short Sale

Amount of settlement / short sale (if applicable): $

Authorization for First Mortgage Holder to Release Information and Authorization for Green Tree Servicing LLC to Obtain an Updated Credit Report

hereby gives authorization to release any and all information concerning the above-referenced account to Green Tree Servicing LLC (“Green Tree�). I (We) also give authorization for Green Tree to obtain an updated credit report.

I (We),

Dated this the ___ day of

Borrower

Short Sale Package-Recovery 07-20-2009

200___

Co-Borrower

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PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Short Sale Application Instruction In order to complete your application, please attach the completed preliminary HUD-1 for this transaction, including all payoffs, commissions and taxes: • • •

As a reminder, be sure to indicate in Line 504 the payoff amount that the 1st mortgage is receiving. To avoid confusion, please indicate if there is not a 1st mortgage, Please place the amount being offered to Green Tree on the mortgage in Line 504 or 505 (not the entire payoff amount), and Note that the final HUD-1 must be received before the short sale will be approved

Please also attach a hardship letter, signed by the customer, which includes the following: • • •

Detail behind the financial hardship that necessitates a short sale, Detail on how the customer plans to repay the remaining deficiency balance on this account, and The customer’s new address. If the new address is not yet available, described the customer’s intent on living arrangements after the sale.

NOTICE TO CUSTOMERS REGARDING SHORT SALES:

Green Tree Servicing LLC (“Green Tree”) and/or its investors may pursue a deficiency judgment for the difference in the payment received and the total balance due, unless agreed otherwise or prohibited by law, if the short sale closes on the loan referenced in this application package. In addition, if this loan is covered by mortgage insurance, the mortgage insurance company may reserve the right to pursue the seller for the deficiency based on the terms of the mortgage insurance policy. Furthermore, there may be tax consequences associated with entering into a short sale. The seller is encouraged to seek the guidance from an independent tax advisor, and/or an attorney, before proceeding with the short sale.

If the seller is entitled to receive any proceeds based on a claim for damage to the property under any policy of insurance, including homeowner's, lender-placed, casualty, fire, flood, etc., or if seller is entitled to receive other miscellaneous proceeds, as that term is defined in the Deed of Trust/Mortgage (which could include Community Development Block Grant Program (CDBG) funds), these proceeds must be disclosed before we will consider the request for short sale. If we receive a check for insurance or miscellaneous proceeds that were not previously disclosed, Green Tree has the right to keep the proceeds and apply them as a loss after the short sale. We similarly would have the right to claim the proceeds to offset our losses if it were not previously disclosed and it was sent directly to the borrower.

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Borrower Financial Form

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Loan # ________________ Property Address :

Borrower Information

Borrower's Name Social Security #

Co-Borrower's Name

Home Phone #

Work Phone #

Social Security #

Home Phone #

Mailing Address

Mailing Address

Do you occupy the property? Yes_____ No_____

If Rental: Monthly Rental income $______

If No: Is the property a Rental property? Yes_____ No_____

Last date owner occupied __________

Have you filed Bankruptcy? Yes_____ No_____

If Yes: Chapter 7 _____ Chapter 13_____

Any other liens on subject property? Yes_____ No_____

If Yes: Is it Current? Yes_____ No_____

Work Phone #

Filing Date:______

Balance Due $______________

Monthly Income

Borrower-Employer

Position

Gross Wages:

Years

Co-Borrower-Employer

Position

$

Gross Wages:

$

Net Wages:

$

Net Wages:

$

Child Support:

$

Child Support:

$

Alimony:

$

Alimony:

$

Rental Income:

$

Rental Income:

$

Other Income: (

) $

Other Income: (

) $

Other Income: (

) $

Other Income: (

) $

Other Income: (

) $

Other Income: (

) $

Monthly Expenses

Years

Assets (Estimated Values)

Food

$

Auto Loans

$

/$

Home

$

Utilities

$

Personal Loans

$

/$

Other Real Estate

$

Transportation

$

Student Loans

$

Checking Accounts

$

Auto Insurance

$

Tuition

$

Savings/Money Market

$

Life Insurance

$

Other Mortgages/Rent

$

IRA/Keogh Accounts

$

Child Support

$

Other expenses

$

/$

401K/ESOP Accounts

$

Alimony

$

Other expenses

$

Stocks, Bonds, CD's

$

Child Care

$

Other expenses

$

Other Investments

$

Credit Cards

$

Other expenses

$

Other Investments

$

I Agree that the financial information provided is an accurate statement of my financial status. I understand and acknowledge that any action taken by the lender of my mortgage loan on my behalf will be made in strict reliance on the financial information provided. My signature below grants the mortgagee the authority to confirm the information I have disclosed in this financial statement, to verify that it is accurate by ordering a credit report and to contact my real-estate agent and / or credit counseling service representative if applicable. Discussions and negotiations of a possible foreclosure alternative will not constitute a waiver of or defense to my lender's right to commence or continue any foreclosure or other collection action and an alternative to foreclosure will be provided only if an agreement has been approved in writing by my lender. I may be required to provide additional information. A property appraisal and a brokers price opinion may be required as part of the review process. The cost of these could be charged to your mortgage. If the workout is denied and an appraisal and/or BPO have been ordered, the cost of these will be billed to your account and you could be responsible for repayment. Access will be required to the property by the appraiser and/or broker.

Signature of Borrower

Date

Signature of Co-Borrower

Date


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU L E. IC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

IndyMac Mortgage Services, a Division of Onewest Bank, FSB Loan Resolution Department 2900 Esperanza Crossing Austin, TX 78758

Loan Number:

Property Address:

Thank you for contacting IndyMac Mortgage Services regarding the above referenced property. IndyMac Mortgage Services will review your request for assistance upon receipt of the following items: If you are selling your property and would like IndyMac Mortgage Services to consider your request for a Short Sale or Pre-Foreclosure Sale, the following items are required for review: • • •

• • •

• • •

The completed Financial Statement and Hardship Explanation form. (Enclosed) Most recent checking and savings account statements for all borrowers. Proof of all sources of monthly household income, such as pay stubs for the last 30 days, or if self-employed, we need profit and loss statements for the last two quarters along with the most recent federal tax return. Leases and social security, pension, or disability statements are required if applicable. Any other documentation or information you feel may be relevant to the situation. Documentation showing the complete listing history for this property listing agreement(s). A sales contract signed by buyer & seller, subject to IndyMac Mortgage Services/Lender Approval. Completed Purchaser Eligibility Certification form (Enclosed) An estimated settlement statement showing all proposed seller paid closing costs. Proof of Buyer’s financing (i.e. pre-qualification letter, etc…)

Once you have obtained ALL of the required items, please write your name and loan number on every document, and submit your request via fax to: 626-583-1370.

Upon receipt of your completed request for assistance, a Workout Analyst will be assigned to review your file. You or your designated agent or realtor will be contacted. Loss Mitigation Department Toll-Free: 1-877-736-5556

NOTE: SUBMITTING YOUR REQUEST FOR WORKOUT REVIEW DOES NOT STOP THE FORECLSOURE PROCESS. ALL NORMAL SERVICING INCLUDING COLLECTIONS AND/OR FORECLOSURE IF APPLICABLE WILL CONTINUE UNLESS YOU ARE OTHERWISE NOTIFIED IN WRITING BY INDYMAC MORTGAGE SERVICES.


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

NOTE: If you would like IndyMac Mortgage Services to discuss your loan with a 3rd party such as a spouse, relative, friend, realtor, attorney, or lender, etc… you MUST complete and return this form to us first.

THIRD PARTY AUTHORIZATION FORM

I hereby authorize IndyMac Mortgage Services to discuss my request for payment assistance with the individual(s) that I have identified below as my designated agent(s) (hereinafter the “Designated Agent”). Further, IndyMac Mortgage Services is hereby authorized to negotiate the terms of a workout agreement with my Designated Agent and to deliver documents to my Designated Agent which concern my request for payment assistance. I understand that I will be fully responsible for reviewing any information that is sent by IndyMac Mortgage Services to my Designated Agent. This Authorization will remain effective until I specifically notify the IndyMac Mortgage Service Workout Department in writing that this Authorization is of no further force and effect. My Designated Agents are:

_______________________________ (Insert name of 3rd party)

_________________ Phone #

_______________________________ (Insert name of 3rd party)

_________________ Phone #

Date:

/

/

Date:

/

/

Loan # _______________________

Borrower

Co-Borrower


Borrower Financial Statement PART A: BORROWER INFORMATION Borrower Name Social Security No.

Social Security No.

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

Co-Borrower Name

Borrower’s Date of Birth : / Borrower’s Phone NumberDaytime: Evening: Primary Home Address (where you live) Street Address: City:

/

ST:

Employer:

Co-Borrower’s Date of Birth: / / Co-Borrower’s Phone NumberDaytime: Evening: Co-Borrower’s Primary Address (if different than Borrower) Street Address:

Zip:

City:

Position:

Employment Dates (from-to) PART B: 1 2 3 4 5 6

Annual Salary: $ ASSETS AND LIABILITIES DESCRIPTION

Cash All Checking & Savings Accounts Certificates of Deposits (CD’s) Stocks/Bonds/Mutual Funds All Retirement Assets (401(k)s, IRAs, etc.) TOTAL LIQUID ASSETS (add lines 1-6) DESCRIPTION

ST:

Zip:

Employer:

Position:

Employment Dates (from-to)

Annual Salary: $

ESTIMATED VALUE (A) $ $ $ $ $ $

$ $ $ $ $ $

AMOUNT OWED (B)

10 11 12 13

Primary Home Other Real Estate Automobile(s) Make Model Year Make Model Year Cash Value of Life Insurance Personal Property (computers/furniture, etc.) Other Assets (Limited Partnerships, etc.) TOTAL NON-LIQUID ASSETS (add lines 7-12)

ESTIMATED VALUE (A) $ $ $ $ $ $ $ $ $

$ $ $ $ $ $ $ $ $

14

TOTAL NET VALUE (add lines 6-13)

$

$

$

15

Other Debt Balances (credit cards, notes due, lines of credit)*

$

$

$

7 8 9

AMOUNT OWED (B)

$ $ $ $ $ $

$ $ $ $ $ $ $ $ $

NET VALUE (A - B)

NET VALUE (A - B)

*Explain in Detail:

Have you filed bankruptcy? If yes, No Chapter 7 Yes Has your bankruptcy been discharged? Yes No

Filing Date: Chapter 13 If yes, please provide a copy of the discharge paper.

PART C: PROPERTY DESCRIPTION (If Subject Property is Rented) Address of Property Involved in Workout: Street: City: ST: Tenant Name, If Applicable Monthly Rent Monthly Last Paid

PART D:

DEPENDENTS Name

Relationship

Date of Birth

Zip: Date Lease Expires

In Daycare (Y/N)


Pg. 2 MONTHLY INCOME DESCRIPTION (MONTHLY) Borrower Co-Borrower TOTAL 1 Gross Salary Wages 2 Overtime Wages 3 Commissions (how often paid) 4 Bonuses (when paid) 5 Social Security 6 Disability (short term or long term) 7 Other Income (interest, rental, etc.) 8 Alimony** 9 Child Support** 10 TOTAL MONTHLY INCOME (add lines 1-9) 11 Less: Federal, FICA, and State Income Tax 12 Other Deductions (401k, etc.) 13 TOTAL DEDUCTIONS (add lines 11 & 12) 14 NET PERSONAL INCOME (line 10 minus line 13) ** Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered for repaying the mortgage. PART F: MONTHLY EXPENSES DESCRIPTION (MONTHLY) MONTHLY PMT BALANCE DUE # of MOS. DELINQUENT 1 Primary Home Mortgage (including taxes & insurance) 2 Taxes on primary home (if not included in #1) 3 Insurance on primary home (if not included in #1) 4 Rent Payment (if owner not occupying subject property) 5 Maintenance on primary home 6 Other Mortgages 7 Automobile Loan(s) 8 Other Loans 9 Credit Cards (minimum payment) 10 Alimony 11 Child Support 12 Child Care 13 Utilities (water, electricity, gas, etc.) 14 Telephone 15 Insurance (automobile, health, & life) 16 Medical expenses (uninsured) 17 Car expenses (gas, maintenance, parking) 18 Groceries and Toiletries 19 Dry Cleaning and Clothing 20 Spending Money 21 Cable TV 22 Entertainment (hobbies, dinner, movies, etc.) 23 Vacations 24 School Tuition 25 HOA Fees 26 Dependent Care 27 Other Monthly Expenses* *Explain:

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

PART E:

28

TOTAL PERSONAL EXPENSES (add lines 127)


EXPLANATION OF HARDSHIP

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

What changes or events have occurred since your loan originated that have caused you to fall behind?

______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ How did this impair your ability to afford you mortgage payments?

______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ When did the change(s) and/or event(s) occur?

______________________________________________________________________________________ ______________________________________________________________________________________ Do you anticipate any improvement in your financial situation in the near future? _________ yes

_________ no

If yes, please explain:

______________________________________________________________________________________ ______________________________________________________________________________________ ______________________________________________________________________________________ How much are you able to contribute towards your loan as of today? ___________________

How much are you able to contribute towards your loan in thirty (30) days? ___________________

ACKNOWLEDGEMENT AND AUTHORIZATION

I (we) agree that the financial information provided is an accurate statement of my (our) financial status. I (we) understand and acknowledge that any action taken by the lender of my (our) mortgage loan on my (our) behalf will be made in strict reliance on the financial information provided. I (We) authorize verification or re-verification of any information contained in this Financial Statement at anytime by the lender, its agents, successors and assigns, either directly or through a third party, including but not limited to a credit reporting agency, from any source named in this Financial Statement or otherwise submitted in connection therewith. My (Our) signature(s) below grants the lender the authority to contact my realtor, credit counseling service representative (if applicable), or any third party with respect to matters represented in this Financial Statement. By: _________________________________________________Date: ______________________ Signature of Borrower By: _________________________________________________Date: ______________________ Signature of Co-Borrower


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

PURCHASER ELIGIBILITY CERTIFICATION

Loan Number(s): ______________

The purpose of the Purchaser Eligibility Certification is to identify Prospective Purchasers who are not eligible to purchase assets of failed financial institutions from the Federal Deposit Insurance Corporation under the laws, regulations and policies governing such sales. Completion of the Purchaser Eligibility Certification, without modification, is a prerequisite to any such purchase. DEFINITIONS

Affiliated Business Entity. An Affiliated Business Entity of a Prospective Purchaser means its spouse, dependent child or any member of its household; or any entity that directly or indirectly is under the control of the Prospective Purchaser, controls the Prospective Purchaser or is under common control with the Prospective Purchaser. Associated Person. An Associated Person of a Prospective Purchaser who is an individual is (1) the Prospective Purchaser’s spouse or dependent child or any member of the household, (2) a partnership in which the Prospective Purchaser is or was a general or limited partner, or (3) a corporation of which the Prospective Purchaser is or was an officer or director. An Associated Person of a Prospective Purchaser that is an entity is (1) any individual or entity that, acting individually or in concert with one or more individuals or entities, owns or controls 25 percent or more of the Prospective Purchaser; or (2) a managing or general partner of the Prospective Purchaser. Contractor. A Contractor is any individual or entity that has submitted an offer to the FDIC to perform services or has a contractual arrangement with the FDIC to perform services.

Delinquent Obligation. A Delinquent Obligation is any debt or duty to pay money to the FDIC in excess of $50,000 (in the aggregate for all such debts or duties) that is more than 60 days delinquent, or any other failure to comply with the terms and conditions of a written agreement with the FDIC that continues for more than sixty (60) days following notice. A Delinquent Obligation does not include any debt that has been settled, nor any debt that has been sold or transferred by the FDIC, nor any debt for which the FDIC has reported forgiveness of debt through the issuance of an IRS form 1099, nor any debt discharged in bankruptcy. Failed Institution. A Failed Institution is any bank or savings association that has been under the conservatorship or receivership of the FDIC or of the Resolution Trust Corporation. It includes any entity owned and controlled by such a bank or savings association.

FDIC. FDIC means the Federal Deposit Insurance Corporation, whether acting in its corporate capacity or as conservator or receiver of a Failed Institution.

Prospective Purchaser. A Prospective Purchaser is any individual or entity that has made or intends to make an offer to purchase assets of a Failed Institution from the FDIC. For all purposes of this Certification, an “entity” includes any entity with a legally independent existence, including, without limitation, a trustee; the beneficiary of at least a 25% share of the proceeds of a trust; a partnership; a corporation; an association; or any other organization or society.

Substantial Loss. A Substantial Loss is (i) any debt or duty to pay money to the FDIC or a Failed Institution that has an outstanding balance of more than $50,000 and that is more than 90 days past due; (ii) an unpaid final judgment of more than $50,000 regardless of whether it is forgiven in a bankruptcy proceeding; (iii) a deficiency balance following a foreclosure sale of more than $50,000 regardless of whether it is forgiven in a bankruptcy proceeding; or (iv) any loss of more than $50,000 reported on an IRS Form 1099-C (Information Reporting for Discharge of Indebtedness).


ELIGIBILITY CERTIFICATION

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

The undersigned hereby certifies that all of the following statements are true, correct and complete when made and will be true at closing of the sale. A.

FDIC Employees. The Prospective Purchaser is not an FDIC employee, the spouse of an FDIC employee, or the minor child of an FDIC employee.

B.

Delinquent Obligors. Neither the Prospective Purchaser nor any of its Affiliated Business Entities has a Delinquent Obligation. Under certain circumstances, the certification required in this paragraph may be waived. For more information about the waiver process and criteria, contact the FDIC sales representative. Note: If the sale is for FDIC real estate owned or items such as furniture, fixtures or equipment, artwork, automobiles or other tangible items, and the bid price will be less than $250,000 (per item or per pool), then the certification set forth in this paragraph B is not required.

C.

FDIC Contractors. Neither the Prospective Purchaser nor any of its Affiliated Business Entities is a Contractor that has performed services within the past three years relating to any of the assets that the Prospective Purchaser might buy, unless the contract for services allows for the purchase of such assets. Under certain circumstances, the certification required in this paragraph may be waived. For more information about the waiver process and criteria contact the FDIC sales representative.

D.

Officers or Directors of Failed Institutions. Neither the Prospective Purchaser nor any of its Associated Persons has ever been an officer or director of a Failed Institution or of an affiliate of a Failed Institution who (1) has participated in a material way in one or more transactions that caused a Substantial Loss to any such Failed Institution; and (2) in connection with such Substantial Loss has been found by a court or administrative tribunal, or alleged in a judicial or administrative action brought by the FDIC or any federal or state governmental entity to have (i) violated any law, regulation or order issued by a federal or state banking agency; (ii) breached a written agreement with a federal or state banking agency or with a Failed Institution; (iii) engaged in an unsafe or unsound practice in conducting the affairs of a Failed Institution; or (iv) breached a fiduciary duty owed to a Failed Institution.

E.

Debarment from Participation in the Affairs of a Failed Institution. Neither the Prospective Purchaser nor any of its Associated Person(s) has been removed from, or prohibited from participating in the affairs of a Failed Institution by a final enforcement action by the FDIC or any other federal banking agency (Office of the Comptroller of the Currency, Office of Thrift Supervision, or the Board of Governors of the Federal Reserve System).

F.

Pattern or Practice of Defalcation. Neither the Prospective Purchaser nor any of its Associated Person(s) has borrowed money or guaranteed loans in more than one transaction with the intent to cause a loss or with reckless disregard for whether such transactions would cause a loss to any financial institution insured by the FDIC, where these loans, in the aggregate, caused a Substantial Loss to one or more Failed Institutions.

G.

Convicted of Certain Crimes. Neither the Prospective Purchaser nor any of its Associated Person(s) (1) has been convicted of committing or conspiring to commit any offense under Section 215, 656, 657, 1005, 1006, 1007, 1014, 1032, 1341, 1343 or 1344 of Title 18 of the United States Code affecting any Failed Institution; and (2) has defaulted on any debt or duty to pay money (including any guaranty) owed to the FDIC or any Failed Institution to such an extent that a judgment has been rendered in favor of the FDIC or the property securing the debt has been foreclosed on.

H.

If Seller Financing Is Used. Neither the Prospective Purchaser nor any of its Associated Persons (1) has defaulted on any debts or duties to pay money (including any guaranty) to the FDIC or a Failed Institution that, in the aggregate, exceed $1,000,000, to such an extent that a judgment has been rendered in favor of the FDIC or the property securing the debt has been foreclosed on; and (2) has made any fraudulent misrepresentations in connection with any of these debts or duties. This representation is not required, and has no effect, if the Prospective Purchaser does not finance any portion of the purchase price through financing offered by the FDIC.

I.

Transactions Structured to Circumvent this Certification. Neither the identity nor form of the Prospective Purchaser, nor any aspect of the contemplated transaction, has been created or altered with the intent, in whole or in part, to allow an individual or entity who otherwise would be ineligible to purchase assets from the FDIC to benefit directly or indirectly from the proposed transaction.


Seller / Borrower Name: ________________________

Loan Number(s): _________________

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

PROSPECTIVE PURCHASER INFORMATION Name of Prospective Purchaser

Tax ID Number or SSN

 Individual  Partnership  Corporation  Other (Specify) Physical Street Address (For Overnight Delivery) City

State or Province

 Trust

Country

Postal Code

Contact Person and Title Telephone Number ( )

Fax Number ( )

E-mail Address

IN WITNESS WHEREOF, the undersigned has executed this Certification as of this

____________________ day of ____________________________, _____________.

PROSPECTIVE PURCHASER

_________________________________________ [Print Name of Prospective Purchaser]

_________________________________________ [Signature] _________________________________________ [Print Name and Title of Authorized Signatory]

Notice Concerning Legal Action

Any person who knowingly or willfully makes false or fraudulent statements or disclosures in connection with this Certification will be referred to the Office of Inspector General and/or the appropriate law enforcement officials for investigation and legal enforcement and may be subject to fines and/or imprisonment (18 U.S.C. §§ 1001, 1007 and 1014).


PRIVACY ACT STATEMENT

PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

The Federal Deposit Insurance Act (12 U.S.C. §§1819, 1821, and 1823), 5 C.F.R. Part 3201, 12 C.F.R. Parts 340 and 366, and Executive Order 9397 authorize the collection of this information. The FDIC will use the information to assist in the determination of whether a Prospective Purchaser is eligible to purchase assets under the laws, regulations and policies pertaining to the FDIC. The FDIC may disclose this information: 1) to other federal, state or local agencies and to contractors to assist in the marketing or sale of assets; 2) to appropriate Federal, State or local agency or responsible authority, to the extent that disclosure is necessary and pertinent for investigating or prosecuting a violation of or for enforcing or implementing a statute, rule, regulation or order, when the information indicates a violation or potential violation of law, whether civil, criminal or regulatory in nature, and whether arising by any statute, or by regulation, rule or order issued pursuant thereto; 3) to a court, magistrate, or administrative tribunal in the course of presenting evidence, including disclosure to counsel or witnesses in the course of civil discovery, litigation, or settlement negotiations or in connection with criminal law proceedings, when the FDIC is a party to the proceeding or has a significant interest in the proceeding and the information is determined to be relevant and necessary; 4) to a congressional office in response to a written inquiry made by the congressional office at the request of the individual to whom the record pertains; or 5) in accord with any other routine use appropriate for the FDIC’s Insured Bank Liquidation Records, # 30- 64- 0013. Submitting this information to the FDIC is voluntary. Your failure, however, to submit all of the information requested and to complete the form entirely could result in your inability to bid on or purchase FDIC-held assets.

ESTIMATED REPORTING BURDEN

Public reporting burden for this collection is estimated to average 30 minutes per response, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to Paperwork Reduction Act, Legal Division, FDIC, Washington, D.C. 20429; and to the Office of Management and Budget, Paperwork Reduction Project (3064-0089), Washington, D.C. 20503. Respondents need not respond to this request for information unless it displays a currently valid OMB Control Number.


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN


PL A EA CL S EA E C R O SH NT O AC RT T SA MA LE NT PA AS CK R AGAU E. LIC TH KI ANS T K OO YO B U TA ! IN

MY LUXURY HOMES OF LAS VEGAS - COMPLETE SHORT SALE PACKAGES  

COMPLETE SHORT SALE PACKAGES

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