4330.2 REV-2

APPENDIX B

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Department of Housing

and Urban Development

Saving Your Home

This document explains how property owners can

avoid losing their home because of late payments.

For information in Spanish call your lender.

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Este documento explica como los propietarios de casas

pueden evitar perder sus hogares debido a demoras de

pagos. Para informacion en espanol llame a su

prestamista.

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3/95

4330.2 REV-2

APPENDIX B

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5\) Check with the State Attorney General, the

State Real Estate Commission, or the local

District Attorney\'s Consumer Fraud Unit

to see if there are prior complaints against

the prospective buyer.

Things to Remember

1\) Avoid losing your home and damaging

your credit history.

2\) Call or write your mortgage company,

immediately.

3\) Stay in your home. You may not qualify

for assistance if you abandon your property.

4\) Arrange an appointment with a housing

counselor to explore your options by calling

1-800-569-4287. (TDD Federal Information

Relay Service 1-800-877-8339)

5\) Cooperate with whatever source of help

you call.

6\) Explore the various alternatives to losing

your home.

7\) Beware of scams.

8\) Do not sign any papers you do not under

stand. Signing over the deed does not

necessarily relieve you of your obligation

on your loan.

9\) Act now. If you do nothing, you will lose

your home.

March 1995

HUD PA-426-H

GPO Stock \# 023-000-00815-7

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3/95

4330.2 REV-2

APPENDIX B

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Q: What happens when I miss my mortgage payments?

Foreclosure will occur if you do not make your

monthly mortgage payments. It is the legal

means that your lender can use to take over

(repossess) your home. When this happens,

you must move out of your house. Additionally,

if your property is worth less than the total

amount you owe on your mortgage loan, you

could be pursued by your lender or the Department

of Housing and Urban Development for a

deficiency judgment. If that happens, you not

only lose your home, but there also would be an

additional debt that you would owe to your

lender or HUD.

Foreclosure or a deficiency judgment could

seriously affect your ability to qualify for credit

in the future.

Q: What should I do?

1\) If you are having problems making your

payments, call or write to your lender

without delay. Clearly explain your

situation to them. Provide them your

loan or account number and financial

information, such as your monthly income

and expenses. Without such information,

they may not be able to help.

2\) Stay in your home for now. You may not

qualify for assistance if you abandon your

property.

3)Contact a HUD-approved housing counseling

agency. Call 1-800-569-4287 for the

housing counseling agency nearest you.

(TDD Federal Information Relay Service

1-800-877-8339) These agencies are a

valuable resource. They frequently have

information on services and programs

offered by Government agencies and

private and community organizations.

The housing counseling agency may also

offer credit counseling, etc. These services

are generally free of charge.

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3/95

4330.2 REV-2

APPENDIX B

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4)If you bought your home with a Veterans

Affairs (VA) guaranteed loan, call the VA

office nearest you.

Q: What are my alternatives?

Your options include:

HUD Assignment. HUD assignment is

only available to borrowers with

FHA-insured mortgages. If you apply and

can qualify, HUD takes over your mortgage

and may allow you to pay a reduced

payment for a specified period of

time.

Forbearance Relief. Your lender may be

able to arrange a payment plan which will

bring your account current in a short

period of time.

Pre-foreclosure sale. You may choose to

try and sell your home before foreclosure

can occur. This alternative, if successful,

allows you to avoid foreclosure and the

effect of a foreclosure on your credit

history.

Deed-in-lieu of foreclosure. As a last

resort, you may be able to \"give back\" your

property to your lender. This alternative is

normally better than foreclosure for the

lender and the borrower. As a rule, however,

for a deed-in-lieu to be approved,

there cannot be second mortgages or liens

on the property. The laws of your state

may also affect this procedure.

Q: What is the HUD Assignment Program

and how does someone qualify for it?

If you meet the following qualifications you

would remain in your home and HUD would

take over your mortgage. HUD may allow

you to repay the mortgage at a slower rate

than your lender can permit.

1\) Your lender has informed you that it

intends to foreclose on your mortgage.

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3/95

4330.2 REV-2

APPENDIX B

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2)You are behind at least three full monthly

payments.

3)The property is your permanent home

where you spend most of the year.

4)You do not own any other property subject

to an FHA-insured mortgage or property

for which HUD is the lender.

5)Events beyond your control caused the

default and made you unable to correct the

delinquency within a reasonable period of

time and to resume making full mortgage

payments.

6)It is likely that you will be able to resume

paying full mortgage payments after a

period of reduced or suspended payments

that cannot exceed 36 months. Also, it is

likely you will be able to pay the mortgage

off completely by the maturity date of the

mortgage, or within ten years of that date,

if an extension is granted.

If you apply for a HUD assignment, you will

be asked to provide documentation to demonstrate

that you meet qualifications #3, #5,

and #6 above. In certain situations, you may

not be required to meet qualifications #3 and

#4 in order to receive approval for a HUD

assignment.

Q: Do I qualify for these options?

A housing counseling agency can help you

determine which, if any, of these options will

meet your needs. You should also discuss

these options with your lender.

Q: Should I be aware of anything else?

Beware of Scams! - Beware of simple solutions

that turn out to be scams. If you are

selling your home without professional

guidance or because you are in financial

difficulty, beware of buyers who try to rush

you through the process. Be alert to the

following:

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3/95

4330.2 REV-2

APPENDIX B

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A \"buyer\" approaches you and offers to

get you out of financial trouble. The

\"buyer\" promises to pay off your mortgage

or give you a large sum of money when the

property is sold. The \"buyer\" often

suggests you move out quickly and that you

deed the property to him or her. The

\"buyer\" then collects rent, does not make

any mortgage payments, and allows the

mortgage company to foreclose. This type

of scam is called equity skimming.

Signing over the deed to someone else does

not necessarily relieve you of your obligation

on your loan.

Some groups calling themselves \"counseling\"

agencies may approach you and offer

to perform services for a fee. These may be

services you could do for yourself, at no

cost, such as applying for HUD\'s Assignment

Program or a pre-foreclosure sale

procedure or negotiating a payment

plan with your lender to help save your

home. If you have any doubt about

whether to agree to pay for such services,

call a HUD-approved housing counseling

agency (locate one through the toll free

number on page 2,) or your local HUD

office.

A few precautions, listed below, could help

you avoid equity skimming schemes:

1\) Do not sign any papers you do not understand.

2)Make sure you get all the \"promises\" in

writing.

3)Beware of \"assumption\" where you are not

formally released from liability for the

mortgage debt and contracts of sale subject

to the existing mortgages.

4)Check with a lawyer or your mortgage

company before entering into any deal

involving your home.

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3/95

APPENDIX B

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Request for Verification of

Employment

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FmHA form 410-5 VA form 26-8497 form HUD-92004-G (12/90)

ref. HUD Handbooks 4155.1, 4310.5

APPENDIX B

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Mortgage Assignment Program

Request for Financial Information

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Page 1 of 4

ref. Handbook 4330.2 form HUD-92068-F (3/95)

APPENDIX B

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Page 2 of 4

ref. Handbook 4330.2 form HUD-92068-F (3/95)

APPENDIX B

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Page 3 of 4

ref. Handbook 4330.2 form HUD-92068-F (3/95)

APPENDIX B

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Page 4 of 4

ref. Handbook 4330.2 form HUD-92068-F (3/95)

APPENDIX B

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Mortgage Assignment Program

Field Office Appeal / Payment Plan

Conference Log

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form HUD-92201 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Lender Transmittal to HUD

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form HUD-92203 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Field Office Checksheet

for Positive Mortgagee Recommendations

(Scenario One only)

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form HUD-92204 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Background Data for HUD

Assignment Request

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form HUD-92206 (3/95)

ref. Handbook 4330.2

APPENDIX B

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form HUD-92206 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Application

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form HUD-92207 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Analysis of Borrower\'s

Income & Expenses

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form HUD-92208 (03/95)

ref. Handbook 4330.2

APPENDIX B

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form HUD-92208 (03/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Analysis & Documentation

of Assignment Eligibility Criteria

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form HUD-92209 (10/25/94)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Date of Default Analysis

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\* GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED \*

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form HUD-92212 (3/95)

ref. Handbook 4330.2

APPENDIX B

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Mortgage Assignment Program

Assignment Request

Case History Sheet

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\* GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED \*

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\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

form HUD-92219 (3/95)

ref. Handbook 4330.2