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Foreclosure Diversion Program Information Session
Understanding and Preparing
for Mediation
*For more detailed information and additional resources, go to the Pine Tree Legal website at www.ptla.org/foreclosure-prevention-toolkit
Or call the Maine Foreclosure Hotline at 1-888-664-2569
1
Why am I here today? • In Maine, homeowners of
owner-occupied homes have the right to request mediation in a foreclosure case.
• Today, you are here for a presentation by homeowner advocates about what to expect and how to prepare for your mediation.
• This presentation will be followed by your first mediation. 2
Who else is here? • Homeowner advocates
– Pine Tree Legal Assistance
– HUD-certified housing counselors
• Mediators • Lawyers for mortgage
companies • Representative of
mortgage company (usually by phone) 3
What should I expect today? • You will hear from a
homeowner advocate about the court process, about preparation, and about where to find resources.
• You will attend your first mediation, which is generally intended to set deadlines for forms to be exchanged and get a sense of your goals.
4
What kind of options might I have?
• HAMP under the Making Home Affordable Program
• National Mortgage Settlement modification
• Specific modification programs for federally guaranteed, or insured, mortgages like FHA, VA, or USDA RD
• Specific Fannie Mae or Freddie Mac options, if applicable
• “In-house” options • Forbearance/repayment
options
If I want to keep my house by
entering into a loan
modification or other
agreement, I should ask
to be considered
for:
• Sale • Short sale • Deed in lieu of
foreclosure You need to be aware of any tax consequences that might result if there is a deficiency remaining when you leave your home.
If I want to leave my
house and avoid a
foreclosure judgment:
5
Can I afford a modified payment ?
• The current target payment for the most widely available modification program is equal to 31% of a borrower’s gross monthly income. This target payment should include principal, interest, property taxes and homeowner’s insurance.
• Gross income is your pay before taxes are taken out. • Calculate the borrower’s gross monthly income and
multiply by 0.31. Is this payment affordable? • You may be able to include non-borrower income from
others living in the home if the borrower’s income alone is too low.
6
What makes up my monthly gross income?
• Gross income is your income before deductions – Employment income before deductions – Self-employment income after business expenses – Benefit income (such as Social Security or a pension)
Food stamps, child support, alimony, and other public benefits might be optional (get some help to determine whether you should include this type of income)
– Rental income – Non-borrower contribution – This is Optional! If you want to use non-borrower income, get help to evaluate whether you should include it. This will depend on your circumstances.
7
What papers do mortgage companies typically need from me?
Completed financial form and other forms provided by mortgage company
Proof of income • Paystubs – at least one month of consecutive stubs that are the most recent • (if self-employed) Profit and loss statement • Benefits statements • (if you have a renter) Most current rental agreements and evidence of rental payments as reflected as
deposits in your bank statements • Bank statements – at least two months most recent and consecutive; all pages from all accounts
Most recent signed federal tax return – all pages and all schedules
Utility bill in borrower’s name showing property address to prove residency
Property tax bill
Homeowner’s insurance bill or other proof of homeowner’s insurance
Letter of explanation (signed and dated) for any document asked for that you cannot provide or to clarify any of the documents provided (examples include: you use a PO Box for mail instead of your property address, you do not file income tax returns, you do not have a bank account) 8
When do I have to provide these documents?
• Under the court mediation rule, you have 21 days from today to provide documents requested by the mortgage company.
• You must provide these documents to the Court and the Plaintiff’s attorney.
• You should use that time to try to get some help putting together the documents and understanding what you should include.
• There’s a lot of important information to learn about options specific to your loan, so you should also use this time to learn what you can.
9
What do I need to know about my loan?
Ask these questions at your mediation today!
• Is my loan owned by Fannie Mae or Freddie Mac? • Fannie Mae lookup: https://www.knowyouroptions.com/loanlookup • Freddie Mac lookup: https://ww3.freddiemac.com/corporate/
• Does my servicer participate in HAMP? • http://www.makinghomeaffordable.gov/get-started/contact-
mortgage/Pages/default.aspx • Do I have a VA loan, FHA loan, or USDA RD (or RHS) loan?
• Check your original loan closing documents if you are unsure • Is my loan owned by the Maine State Housing Authority?
• Check your original loan closing documents and your court paperwork if you are unsure
• Is my loan servicer one of the following: JP Morgan Chase, Wells Fargo, Citi, Bank of America, or Ally/GMAC, and therefore subject to the National Mortgage Settlement?
10
Why do I need this information about my loan?
The answers to these questions matter because they determine which loss mitigation guidelines will apply. The following guidance is the information put out to notify mortgage servicers of how they should be servicing certain types of loans.
• Fannie Mae and Freddie Mac have their own guidelines – even for the HAMP program. Any company servicing a Fannie or Freddie owned loan must evaluate for HAMP eligibility if a homeowner applies. Fannie guidance can be found here: https://www.fanniemae.com/singlefamily/servicing. Freddie guidance can be found here: http://www.freddiemac.com/sell/guide/.
• Loans that are not owned by Fannie or Freddie but are serviced by a company that has signed up for the Making Home Affordable program should be serviced according to the Non-GSE HAMP Handbook. You can find that under the “Programs” tab here: https://www.hmpadmin.com/portal/index.jsp.
• If your loan was originated by the Maine State Housing Authority, that is probably still the entity that owns it, which will affect your options – even if you have been working with a bank that has been servicing the loan since you took it out.
• FHA loans have guidance spelled out in “mortgagee letters” found here: http://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/letters/mortgagee.
• USDA Rural Development or Rural Housing guaranteed loans have guidance about options available in a written rule found in the Code of Federal Regulations, 7, part 1980 found here: https://usdalinc.sc.egov.usda.gov/docs/rd/sfh/lossclaim/RD%20Special%20Loan%20Servicing%20Final%20Rule.pdf.
• VA guaranteed loans have guidance about programs written in notices called ‘Circulars” found here: http://www.benefits.va.gov/homeloans/resources_circulars.asp.
• Information about the National Mortgage Settlement can be found at www.nationalmortgagesettlement.com.
11
I’m confused – lawyers, investors, lenders. Who are all these players? • Court mediator – a neutral person
hired by the court; the mediator is not a judge and is not always a lawyer
• Lawyer for plaintiff • Representative from mortgage
company (usually by phone) – this is a representative from the servicer, which can be confusing given that your case can also involve an investor which might be different from your original lender
• Attorney for homeowner if retained • Other interested parties as
determined by mediator 12
What happens at mediation? • The role of the mediator is to
determine if there is some way to bring the two sides together.
• The mediator cannot make any judgments about who is right or wrong and cannot impose sanctions.
• Usually loan modification programs and/or exit strategies are discussed.
• At one of your mediations, an NPV (net present value test) will be run, which can sometimes be used as a tool to discuss options that might work for both sides.
You should use any knowledge you have gained about your loan and applicable programs to participate in the discussion and ask questions!
13
How many mediations will I have?
• Each case will be different. • According to the mediation rule, mediation
should conclude within 90 days after the mediation scheduling order is sent out. This time period does not apply, however, if the court extends the deadline or if the parties agree to extend the deadline.
• There is some talk about a “3 and 9” maximum for mediations, meaning a limit of 3 mediations or 9 months in the mediation process. There are some mediators who try to adhere to this, but there is no set maximum number of mediations that can be held.
• If you believe there needs to be another mediation - even if you have already attended 3 mediations - ask for it.
14
What do I need to know about the Mediator’s Report?
• There is a mediator’s report filed after each mediation.
• The report includes basic information about who was present and what was discussed and agreed to.
• Along with the boxes that are checked, the report usually includes a narrative that outlines any agreements. – You should participate in the discussion
about what will go into this narrative. It needs to include specific details about documents, deadlines, and agreements made.
• The mediator’s report is incredibly important as this is the best way to document any progress, agreements, or deadlines that were made in mediation.
• If there are questions later, a clear mediator’s report can be looked back to for guidance.
How do I take part in what is included in the Mediator’s Report? • Ask that the report set the specific
deadline for you to submit your papers (remember, this should be no sooner than 21 days from today).
• Make sure any agreements, deadlines, and promises made are written into your mediator’s report.
• Ask the mediator to include in the report a complete and specific list of all documents needed.
15
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ev. 6
/13
1
FO
RE
CL
OSU
RE
DIV
ER
SIO
N P
RO
GR
AM
M
ED
IAT
OR
’S R
EPO
RT
Med
iatio
n D
ate:
___
____
____
____
____
Med
iatio
n T
ime:
____
__a.
m./p
.m.
Doc
ket N
o. _
____
____
____
____
_
Plai
ntiff
___
____
____
____
____
____
____
____
____
___
v.
Def
enda
nt(s
)___
____
____
____
____
____
____
____
Dat
e of
Fir
st M
edia
tion
Sess
ion:
____
____
____
___
Ses
sion
# _
__
1.
CO
UR
T A
CT
ION
(Che
ck o
ne d
ispo
sitio
n on
ly)
A. F
INA
L R
EPO
RT
1. R
esol
ved,
a. C
ase
settl
ed, p
lain
tiff’
s cou
nsel
to fi
le st
ipul
atio
n of
dis
mis
sal/m
otio
n to
dis
mis
s
on
or b
efor
e __
____
__(d
ate)
. If n
eith
er is
file
d, c
ase
will
be
dism
isse
d w
ith/w
ithou
t (ci
rcle
)
pr
ejud
ice
on__
____
___
(dat
e).
b
. Oth
er: _
____
____
____
____
____
____
____
____
____
____
__
2. U
nres
olve
d by
med
iatio
n,
a.
Ret
urn
to D
ocke
t, Sc
hedu
ling
Ord
er to
issu
e.
b. R
epor
t of N
onco
mpl
ianc
e fil
ed, c
ase
to re
mai
n in
FD
P pe
ndin
g ju
dici
al re
view
.
3.
Non
appe
aran
ce o
f def
enda
nt(s
), Sc
hedu
ling
Ord
er to
issu
e.
B. I
NT
ER
IM R
EPO
RT
1. U
nfin
ishe
d,
a. N
ext m
edia
tion
sche
dule
d: _
____
____
____
____
_ (d
ate)
.
b. M
edia
tion
to b
e re
ques
ted
by _
____
____
____
___
(dat
e), o
r thi
s rep
ort w
ill b
ecom
e
a
Fina
l Rep
ort,
Sche
dulin
g O
rder
to is
sue.
c. R
epor
t of N
onco
mpl
ianc
e fil
ed, m
edia
tion
to b
e sc
hedu
led
afte
r jud
icia
l rev
iew
.
2.
Par
tially
reso
lved
by
tem
pora
ry a
gree
men
t. A
gree
d D
eadl
ine:
____
____
____
____
____
__
If
the
term
s are
met
, and
if th
e te
mpo
rary
agr
eem
ent r
esul
ts in
reso
lutio
n of
this
di
sput
e, p
lain
tiff’
s cou
nsel
will
file
a m
otio
n to
dis
mis
s/st
ipul
atio
n of
dis
mis
sal o
n or
bef
ore
the
Agr
eed
Dea
dlin
e. U
pon
such
filin
g, th
is M
edia
tor’
s Rep
ort w
ill b
ecom
e a
Fina
l Rep
ort.
If
the
term
s are
not
met
, and
/or i
f the
tem
pora
ry a
gree
men
t doe
s not
resu
lt in
re
solu
tion
of th
is d
ispu
te, e
ither
par
ty m
ay re
ques
t fur
ther
med
iatio
n, o
r may
file
a m
otio
n to
te
rmin
ate
med
iatio
n on
or b
efor
e th
e A
gree
d D
eadl
ine.
If t
he c
ourt
orde
rs th
at m
edia
tion
term
inat
e, th
is M
edia
tor’
s Rep
ort w
ill b
ecom
e a
Fina
l Rep
ort,
and
a Sc
hedu
ling
Ord
er w
ill
issu
e.
IF
NEI
THER
PA
RTY
REQ
UES
TS F
UR
THER
MED
IATI
ON
OR
FIL
ES A
M
OTI
ON
/STI
PULA
TIO
N B
Y T
HE
AG
REE
D D
EAD
LIN
E, T
HIS
MED
IATO
R’S
R
EPO
RT
WIL
L B
ECO
ME
A F
INA
L R
EPO
RT,
AN
D T
HE
CA
SE W
ILL
BE
DIS
MIS
SED
W
ITH
OU
T PR
EJU
DIC
E.
3.
Oth
er _
____
____
____
____
____
____
____
____
____
____
____
__
16
FDP-
05, R
ev. 6
/13
2
2.
PA
RT
ICIP
AN
TS
(Pro
vide
full
nam
es)
M
ortg
agee
/ pl
aint
iff /
repr
esen
tativ
e / s
ervi
cer
(cir
cle)
: __
____
____
____
____
____
____
____
___
In
pers
on
B
y te
leph
one/
vide
o
Titl
e: _
____
____
____
____
____
____
____
____
___
Thi
s par
ticip
ant h
ad a
utho
rity
to a
gree
to a
pro
pose
d se
ttlem
ent,
loan
mod
ifica
tion
or d
ism
issa
l
M
ortg
agee
/pla
intif
f’s c
ouns
el:
____
____
____
____
____
____
____
____
M
ortg
agor
/def
enda
nt(s
): _
____
____
____
____
____
____
____
____
____
__
M
ortg
agor
/def
enda
nt’s
cou
nsel
(if r
epre
sent
ed):
___
____
____
____
O
ther
(spe
cify
): __
____
____
____
____
____
____
____
____
____
____
___
3.
PA
RT
Y A
ND
/OR
CO
UN
SEL
AC
TIO
N
P
artie
s ag
ree
that
the
borr
ower
will
sub
mit
docu
men
ts a
ccor
ding
to th
e at
tach
ed F
DP
Doc
umen
t Su
bmis
sion
Wor
kshe
et, w
hich
is
inco
rpor
ated
int
o th
is m
edia
tor’
s re
port.
Len
der
will
rev
iew
the
bo
rrow
er’s
loan
for t
he fo
llow
ing
optio
n(s)
:
O
ther
Act
ions
:
4.
ME
DIA
TIO
N O
UT
CO
ME
(C
heck
one
onl
y)
Fin
al se
ttle
men
t agr
eem
ent r
each
ed d
urin
g m
edia
tion.
T
empo
rary
agr
eem
ent r
each
ed d
urin
g m
edia
tion.
T
empo
rary
agr
eem
ent r
each
ed b
efor
e m
edia
tion.
A
gree
men
t on
som
e is
sues
, but
med
iatio
n di
d no
t res
olve
the
actio
n.
N
o ag
reem
ent o
n an
y is
sues
, med
iatio
n co
nclu
ded.
A
dditi
onal
med
iatio
n ne
eded
aft
er th
e pa
rtie
s file
with
the
cour
t and
exc
hang
e m
ore
info
rmat
ion.
A
dditi
onal
med
iatio
n ne
eded
bec
ause
___
____
____
____
____
____
____
____
__(n
ame)
nee
ds t
o be
incl
uded
in th
e m
edia
tion.
A
dditi
onal
med
iatio
n ne
eded
for
othe
r re
ason
. Sp
ecify
rea
son:
___
____
____
____
____
____
____
___
.
P
lain
tiff /
Def
enda
nt (c
ircl
e) n
eeds
tim
e to
con
side
r pr
opos
ed a
gree
men
t.
M
edia
tion
not h
eld
beca
use
defe
ndan
t(s)
was
not
ow
ner-
occu
pant
.
M
edia
tion
not h
eld
beca
use
plai
ntiff
/ de
fend
ant /
pla
intif
f’s
coun
sel /
def
enda
nt’s
cou
nsel
(ci
rcle
) did
not a
tten
d.
O
ther
, spe
cify
: __
____
____
____
____
____
____
____
____
____
____
____
_ .
17
FDP-
05, R
ev. 6
/13
3
5.
PRO
GR
AM
REP
OR
TIN
G
A.
FDIC
NPV
WO
RK
SHE
ET (C
heck
one
onl
y)
Wor
kshe
et C
ompl
eted
and
Atta
ched
. N
PV O
utco
me:
Pas
s
Not
Pas
s
Wor
kshe
et n
ot c
ompl
eted
bec
ause
:___
____
____
____
____
____
____
____
____
_
B.
CO
MM
UN
ITY
RE
SOU
RC
ES
(Che
ck a
ll th
at a
pply
)
D
efen
dant
atte
nded
info
rmat
iona
l ses
sion
.
Def
enda
nt re
ceiv
ed le
gal c
ouns
elin
g or
ass
ista
nce.
Def
enda
nt re
ceiv
ed a
ssis
tanc
e in
pre
parin
g fo
rms f
or m
edia
tion.
Fro
m a
ttorn
ey o
r leg
al se
rvic
es e
mpl
oyee
.
Fro
m h
ousi
ng c
ouns
elor
.
Fro
m fi
nanc
ial c
ouns
elor
.
C.
AG
RE
EM
EN
T D
ET
AIL
S, IF
APP
LIC
AB
LE
(Che
ck a
ll th
at a
pply
)
L
oan
mod
ifica
tion:
T
empo
rary
mod
ifica
tion
P
erm
anen
t mod
ifica
tion
I
nter
est r
ate
redu
ctio
n
A
RM
to fi
xed
rate
A
mor
tizat
ion
exte
nded
P
rinci
pal r
educ
tion
R
eins
tate
men
t of t
he m
ortg
age
R
epay
men
t/For
bear
ance
pla
n
E
xten
sion
agr
eem
ent
P
rinci
pal F
orbe
aran
ce
W
aive
fees
/pen
altie
s
S
hare
d ap
prec
iatio
n m
ortg
age
(SA
M)
D
eed
in li
eu o
f for
eclo
sure
S
hort
sale
C
ash
for k
eys
O
ther
___
____
____
____
____
____
____
____
____
____
____
____
6.
BR
IEF
NA
RR
AT
IVE
OF
AN
Y A
GR
EE
ME
NT
(S) R
EA
CH
ED
18
FDP-
05, R
ev. 6
/13
4
ME
DIA
TO
R’S
REP
OR
T
D
OC
KE
T N
O.:_
____
____
____
____
____
____
___
T
IME
ME
DIA
TIO
N C
OM
PLE
TE
D: _
____
____
__
____
____
____
____
____
____
____
____
____
____
__
____
____
____
_ SI
GN
ATU
RE
OF
MED
IATO
R
DA
TE
____
____
____
____
____
____
____
____
____
____
____
__
____
____
___
SIG
NA
TUR
E O
F PL
AIN
TIFF
D
ATE
__
____
____
____
____
____
____
____
____
____
____
__
____
____
____
_ SI
GN
ATU
RE
OF
PLA
INTI
FF’S
CO
UN
SEL
D
ATE
__
____
____
____
____
____
____
____
____
____
____
__
____
____
____
_ SI
GN
ATU
RE(
S) O
F D
EFEN
DA
NT(
1)
D
ATE
__
____
____
____
____
____
____
____
____
____
____
__
____
____
____
_ SI
GN
ATU
RE(
S) O
F D
EFEN
DA
NT
(2)
D
ATE
__
____
____
____
____
____
____
____
____
____
____
__
____
____
____
_ SI
GN
ATU
RE
OF
DEF
END
AN
T (1
) CO
UN
SEL
DA
TE
W
HE
N C
OM
PLE
TE
:
ME
DIA
TO
RS
FIL
E O
RIG
INA
L W
ITH
CO
UR
T
SEN
D O
R H
AN
D C
OPI
ES T
O P
AR
TIE
S
RE
POR
T R
ESU
LT
S T
O F
DP
19
Why does Good Faith matter? • The foreclosure mediation law
requires all parties to make a good faith effort to mediate all issues.
• If it is determined that one party is not making a good faith effort in mediation, the Court can impose sanctions.
• It’s important to remember that a mediator cannot impose sanctions. For such a determination about good faith to be made, the matter would have to be brought to the attention of a judge.
20
What is a Report of Non-Compliance?
A Report of Non-Compliance is a court form that mediators can complete and file to bring mediation problems to a judge’s attention.
21
22
23
24
What can I do if I believe the mortgage company is not mediating in good faith but my mediator does
not file a report of non-compliance?
• If you believe there are problems in your mediation that need the Court’s attention, you have the right to file papers on your own.
• This type of request is often in the form of a “motion for sanctions”.
• Remember, you must always send a copy of anything you file in court to the attorney for the mortgage company.
25
26
What do I do if I cannot attend my scheduled mediation?
• You should make every effort to attend your scheduled mediation.
• If you have a legitimate conflict that cannot be changed, you can request that your mediation date be changed by using the court’s “motion to continue mediation” form.
35
36
What happens if I cannot resolve my case at mediation?
• Mediation is one step in the court foreclosure process.
• No foreclosure judgment can be entered against you while you’re in mediation.
• If mediation concludes with no resolution on your case it will return to the regular “foreclosure docket”.
• If judgment enters against you, you have a 90-day redemption period beginning at the time the judgment is entered.
• You have the right to occupy your home during this 90-day period and you have the right to keep your home if you pay off the entire balance of your mortgage loan before the 90 days expires.
Any mediations held after today’s session should be
about furthering or finalizing efforts to resolve the case through alternatives other
than foreclosure. If that cannot be accomplished in
mediation, a final mediator’s report will be
filed and the case will return to the regular “foreclosure
docket.”
39
Where can I get help?
• Legal Aid • HUD-certified
housing counselors • Bureau of
Consumer Credit Protection Foreclosure Hotline
• Private attorneys 40
41
Things to Remember
• Find out as much as you can about your loan and
options. • Don’t ignore the court process. • Beware of fee-based scams. • Make sure you understand the deadline you will be given
to complete financial forms. • Get help from a HUD-certified housing counselor or an
attorney.
42
43
44
45
46
Que
stio
ns to
Ask
at F
orec
losu
re M
edia
tion
1.
Who
is th
e in
vest
or o
n th
is lo
an?
___
____
____
____
____
____
____
____
2.
Who
ow
ns th
is lo
an?
____
____
____
____
____
____
____
____
_
3.
Who
is m
y cu
rren
t mor
tgag
e se
rvic
er?
____
____
____
____
____
____
____
4.
Do
any
of th
e fo
llow
ing
guar
ante
es a
pply
to m
y lo
an?
FHA
U
SD
A R
D (R
HS
) V
A
5.
D
o I n
eed
to p
rovi
de a
ny o
f the
doc
umen
ts li
sted
her
e?
____
___
RM
A fo
rm
____
___
710
form
__
____
_ 71
0A fo
rm
____
___
IRS
450
6-T
form
W
hich
yea
rs s
houl
d be
list
ed?
____
____
___
Whi
ch a
ddre
ss s
houl
d be
pro
vide
d in
box
5?
____
____
____
____
____
____
____
____
____
____
____
__
____
_ M
ost r
ecen
t pay
stub
s fo
r las
t ___
____
___
days
__
____
_ P
rofit
and
loss
form
if s
elf-e
mpl
oyed
__
____
_ M
ost r
ecen
t soc
ial s
ecur
ity a
war
d le
tter
__
____
_ P
ensi
on le
tter
__
____
_ Fo
od s
tam
p aw
ard
lette
r or p
roof
of r
ecei
pt
__
____
_ Tw
o m
ost r
ecen
t ban
k st
atem
ents
for m
onth
s of
___
____
____
___
__
____
_ S
igne
d fe
dera
l tax
retu
rns
for y
ears
of _
____
___
__
____
_ M
ost r
ecen
t pro
perty
tax
bill
__
____
_ P
roof
of h
omeo
wne
r’s in
sura
nce,
suc
h as
insu
ranc
e “d
ecla
ratio
n” p
age
__
____
_ R
ecen
t util
ity b
ill sh
owin
g th
e pr
oper
ty a
ddre
ss
__
____
_ O
ther
(des
crib
e)
__
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
___
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
_
6.
If th
e m
ortg
age
com
pany
is s
uppo
sed
to p
rovi
de d
ocum
ents
to m
e to
com
plet
e an
d re
turn
, how
and
by
whe
n w
ill th
ey b
e pr
ovid
ed?
Dire
ctly
from
atto
rney
? By
em
ail?
By
regu
lar
mai
l?__
____
____
____
____
____
____
____
___
____
____
____
____
____
____
____
____
_
Dat
e:__
____
____
____
____
____
____
____
___
____
____
____
____
____
____
____
____
_
47
7.
Thes
e do
cum
ents
sho
uld
be p
rovi
ded
to:
1.
Cou
rt 2.
Pl
aint
iff’s
atto
rney
: N
ame:
___
____
____
____
____
_ Ph
one
Num
ber:
____
____
____
____
____
Ad
dres
s:
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
____
8.
Thes
e do
cum
ents
sho
uld
be p
rovi
ded
by: _
____
____
____
____
____
, 201
3
9.
How
and
by
whe
n w
ill th
e ba
nk c
onfir
m re
ceip
t of t
he d
ocum
ents
? N
otic
e fro
m a
ttorn
ey?
By p
hone
or
mai
l?__
____
____
____
____
____
___
____
____
____
____
____
____
____
_
Dat
e:__
____
____
____
____
____
___
____
____
____
____
____
____
____
_
10
. W
hich
loss
miti
gatio
n gu
idel
ines
app
ly to
this
mor
tgag
e?
H
AM
P (M
akin
g H
ome
Affo
rdab
le)
Fann
ie M
ae
Fr
eddi
e M
ac
USD
A R
ural
Dev
elop
men
t
VA
FHA
DO
J Se
ttlem
ent M
odifi
catio
n O
ther
: (de
scrib
e)
11. H
ow a
nd b
y w
hat d
ate
will
the
mor
tgag
e co
mpa
ny n
otify
me
if an
y ad
ditio
nal
docu
men
ts a
re n
eede
d?
Not
ice
from
atto
rney
? By
pho
ne o
r m
ail?
____
____
____
____
____
____
___
____
____
____
____
____
____
___
Dat
e:__
____
____
____
____
____
___
____
____
____
____
____
____
____
_
**O
nce
you
have
the
answ
ers
to th
ese
ques
tions
, ask
that
the
deta
ils b
e ad
ded
to th
e M
edia
tor’s
Rep
ort,
espe
cial
ly re
gard
ing
whi
ch d
ocum
ents
are
requ
ired,
whi
ch g
uide
lines
app
ly,
and
any
dead
lines
and
cha
nnel
s of
com
mun
icat
ion
agre
ed to
.
48
