Dear Customer,
As your mortgage loan servicer wants to help you stay in your home. We want you to know there is a program available that may help you. If you qualify under the federal goverment’s Home Affordable Modification Program (HAMP) and comply with the terms of the Home Affordable Modification Program Trial Period Plan. We will modify your mortgage loan and you can avoid foreclosure.
How can you find out if you qualify? Just follow the steps below and let us know that you need help. TODAY! Step 1: GATHER THE INFO WE NEED TO HELP YOU Detailed instructions on what you need to do to take advantage of this program are set forth on the enclosed document entitled ”Complete Your Checklist.” Generally, you will need to:
Explain the financial hardship that makes it difficult for you to pay your Mortgage Loan using the MHA request for Modification and Affidavit (RMA) and addendum. Submit the required documentation of your income. Make timely monthly trial-period payments. If you meet the eligibility criteria, you will be offered a Trial Period Plan. The monthly trial period payments will be based on the income documentation that you provide. They will be an estimate of what your payment will be if we are able to modify your loan under the terms of the program.
If you do not qualify for a loan modification, we will work with you to explore other foreclosure alternative options.
STEP 2: COMPLETE AND SUBMIT
Please complete the enclosed forms and submit all the required income documentation. Now is the time to act. We are ready to help you. Please take the steps outlined on the enclosed document ”Complete your Checklist.” If you have any questions, please contact us.
Brick Bank is a debt collector. Brick Bank is attempting to collect a debt and any information obtained will be used for that purpose. However, if you are in bankruptcy or received a bankruptcy discharge of this debt, this communication is not an attempt to collect the debt agains you personally, but is notice of a possible enforecement of the lien against the collateral property.
The Making Home Affordable program was created to help millions of homeowners refinance or modify their mortgages, As part of this program. Fannie Mae ( the owner of your loan ) your servicer, and the Federal Goverment are working to offer you option to help you stay in your home.
Complete your Checklist, Next steps, Important Program Info. Frequently Asked Questions, MHA Affidavit and addendum, Important Notice, and IRS Form4506-T