Southwest Economic Solutions 2835 Bagley … Economic Solutions. 2835 Bagley Avenue, ... Southwest...

Southwest Economic Solutions 2835 Bagley Avenue, Suite 800, Detroit, MI 48216

The following documents are required in order to submit to Step Forward for assistance.

Complete Documentation Checklist

□ → Federal Tax Returns (1040’s) for the last 2 years filed, along with the W-2’s. Tax forms MUST be signed and dated, otherwise they will be returned. → If self-employed, we also need the last 2 years of business Federal taxes filed.

□ → Proof of ALL household income for the last (60) days. For example: Paystubs, Social Security award letter, DHS award letter, Retirement/Pension Statement of Benefits, etc. → If Self-Employed: Profit and Loss statement for the last year (if not included in filled Federal Tax Returns) and most recent Quarterly (last 3 months) Profit and Loss Statement

□ → Most Recent Utility Bill – Gas or Electric: must have the borrower’s name and address on the bill. No more than 30 days old.

□ → (3) months of most recent Monthly Bank Statements (All pages, even if blank). If you don’t have a bank account, please let us know. → Self-employed borrowers: 3 months of bank statements – no exceptions—and Profit and Loss Statement for last year and most recent Quarterly (last 3 months) Profit and Loss Statement

□ → Borrower’s Identification – Government issued photo ID (i.e. Driver’s License or state of ID) → Social Security Card – or letter of verification from Social Security Office

□ → Mortgage/Household Documents – provide a copy of:

• Most recent monthly mortgage statement and/or letters from attorney or mortgage/servicer

• Current Property Tax bill (if not escrowed/included in monthly mortgage payment) • HUD 1 Settlement Statement, Mortgage, or NOTE from closing or most recent

refinance.

□

→ Intake Packet: Please complete all forms to the best of your ability, then sign and date them. As a reminder, if you need assistance, leave blank any sections you don’t understand and we will assist you during your appointment.

If you have any questions while completing this packet, please call (313) 841-9641 and ask for Lupe. Please note that we need all the required documents listed above to be able to properly assist you. You can mail or drop off the application, along with all the required documents (copies only!), to the following address: Southwest Economic Solutions 2835 Bagley Avenue, Suite 800

Detroit, MI 48216

Property address (include city, state and zip):

Making Home A�ordable ProgramHardship A�davit

I want to: Keep the Property Sell the Property

The property is my: Principal Residence Second Home / Seasonal Rental Year-Round Rental

The property is: Owner Occupied Tenant Occupied Vacant

Borrower’s name Co-borrower’s name

Social Security Number Social Security Number

BORROWER CO-BORROWER

Have you �led for bankruptcy? Yes No If yes: Chapter 7 Chapter 13 Filing Date:_________________________Has your bankruptcy been discharged? Yes No Bankruptcy case number _________________________________

I (We) am/are requesting review under the Making Home A�ordable (MHA) Program.I am having di�culty making my monthly payment because of �nancial di�culties created by (check all that apply):

My household income has been reduced. For example: 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 insu�cient to maintain my current mortgage payment and cover basic living expenses at the same time.

I am unemployed and (a) I am receiving/will receive unemployment bene�ts or (b) my unemployment bene�ts ended less than 6 months ago.Explanation (continue on back of page 3 if necessary): __________________________________________________________________________

______________________________________________________________________________________________________________________

HARDSHIP AFFIDAVIT

Loan I.D. Number____________________________________________ Servicer ____________________________________________________

HARDSHIP AFFIDAVIT page 1 COMPLETE ALL THREE PAGES OF THIS FORM

Other:

How many single-family properties, other than your personal residence, do you and/or your co-borrower(s) own individually, jointly, or with others?Has the mortgage on your principle residence ever had a Home A�ordable Modi�cation Program (HAMP) trial-period plan or permanent modi�cation?

Has the mortgage or any other property that you or any co-borrower own had a permanent HAMP modi�cation?If “Yes”, how many?

Yes No

Yes No

_______

_______

Other ______________

page 1 of 3

DODD-FRANK CERTIFICATION

The following information is requested by the federal government in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203). You are required to furnish this information. The law provides that no person shall be eligible to begin receiving assistance from the Making Home A�ordable Program, authorized under the Emergency Economic Stabilization Act of 2008 (12 U.S.C. 5201 et seq.), or any other mortgage assistance program authorized or funded by that Act, if such person, in connection with a mortgage or real estate transaction, has been convicted, within the last 10 years, of any one of the following: (A) felony larceny, theft, fraud, or forgery, (B) money laundering or (C) tax evasion.

I/we certify under penalty of perjury that I/we have not been convicted within the last 10 years of any one of the following in connection with a mortgage or real estate transaction:

(a) felony larceny, theft, fraud, or forgery,(b) money laundering or(c) tax evasion.

I/we understand that the servicer, the U.S. Department of the Treasury, or their respective agents may investigate the accuracy of my statements by performing routine background checks, including automated searches of federal, state and county databases, to con�rm that I/we have not been convicted of such crimes. I/we also understand that knowingly submitting false information may violate Federal law.

This certi�cation is e�ective on the earlier of the date listed below or the date this hardship a�davit is received by your servicer.

of 3


Ethnicity:

Race:

Sex:

BORROWER

Ethnicity:

Race:

Sex:

CO-BORROWER I do not wish to furnish this information

Hispanic or LatinoNot Hispanic or Latino

American Indian or Alaska NativeAsianBlack or African AmericanNative Hawaiian or Other Paci�c IslanderWhite

FemaleMale

I do not wish to furnish this information

Hispanic or LatinoNot Hispanic or Latino

American Indian or Alaska NativeAsianBlack or African AmericanNative Hawaiian or Other Paci�c IslanderWhite

FemaleMale

To be completed by interviewerInterviewer’s Name (print or type) & ID Number

Interviewer’s Signature Date

Name/Address of Interviewer’s Employer

Interviewer’s Phone Number (include area code)

This request was taken by: Face-to-face interviewMailTelephoneInternet

INFORMATION FOR GOVERNMENT MONITORING PURPOSESThe following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimina-tion 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 modi�cation in person. If you do not wish to furnish the information, please check the box below.

RENTAL PROPERTY CERTIFICATION (continued)

3. I do not own more than �ve (5) single-family homes (i.e., one-to-four unit properties) (exclusive of my principal residence).

Notwithstanding the foregoing certi�cations, I may at any time sell the property, occupy it as my principal residence, or permit my legal dependent, parent or grandparent to occupy it as their principal residence with no rent charged or collected, none of which will be considered to be inconsistent with the certi�cations made herein.

This certi�cation is e�ective on the earlier of the date listed below or the date the Hardship A�davit is received by your servicer.

Initials: Borrower ________ Co-borrower _______

By checking this box and initialing below, I am requesting a mortgage modi�cation under MHA with respect to the rental property having the address set forth above and I hereby certify under penalty of perjury that each of the following statements is true and correct with respect to that property:

RENTAL PROPERTY CERTIFICATION

1. I intend to rent the property to a tenant or tenants for at least �ve years following the e�ective date of my mortgage modi�cation. I understand that the servicer, the U.S. Department of the Treasury, or their respective agents may ask me to provide evidence of my intention to rent the property during such time. I further understand that such evidence must show that I used reasonable e�orts to rent the property to a tenant or tenants on a year-round basis, if the property is or becomes vacant during such �ve-year period.

Note: The term “reasonable e�orts” includes, without limitation, advertising the property for rent in local newspapers, websites or other commonly used forms of written or electronic media, and/or engaging a real estate or other professional to assist in renting the property, in either case, at or below market rent.

2. The property is not my secondary residence and I do not intend to use the property as a secondary residence for at least �ve years following the e�ective date of my mortgage modi�cation. I understand that if I do use the property as a secondary residence during such �ve-year period, my use of the property may be considered to be inconsistent with the certi�cations I have made herein.

Note: The term “secondary residence” includes, without limitation, a second home, vacation home or other type of residence that I personally use or occupy on a part-time, seasonal or other basis.

You must complete this certi�cation if you are requesting a mortgage modi�cation with respect to a rental property.

If you have questions about this document or the Making Home A�ordable Program, please call your servicer.

If you have questions about the program that your servicer cannot answer or need further counseling, you can call the Homeowner's HOPE™ Hotline at 1-888-995-HOPE (4673). The Hotline can help with questions about the program and o�ers free HUD-certi�edcounseling services in English and Spanish.

HOMEOWNER’S HOTLINE

page 3 of 3


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

2. I understand and acknowledge that the Servicer, the U.S. Department of the Treasury, the owner or guarantor of my mortgage loan, or their respective agents may investigate the accuracy of my statements, may require me to provide additional supporting documentation and that knowingly submitting false information may violate Federal or other applicabale law.

3. I authorize and give permission to the Servicer, the U.S. Department of the Treasury, and their respective agents, to assemble and use a current consumer report on all borrowers obligated on the loan, to investigate each borrower's eligibility for MHA and the accuracy of my statements and any documentation that I provide in connection with my request for assistance. I understand that these consumer reports may include, without limitation, a credit report, and be assembled and used at any point during the application process to assess each borrower's eligibility thereafter.

4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or if it is determined that any of my statements or any information contained in the documentation that I provide are materially false and that I was ineligible for assistance under MHA, the Servicer, the U.S. Department of the Treasury, or their respective agents may terminate my participation in MHA, including any right to future bene�ts and incentives that otherwise would have been available under the program, and also may seek other remedies available at law and in equity, such as recouping any bene�ts or incentives previously received.

5. I certify that any property for which I am requesting assistance is a habitable residential property that is not subject to a condemnation notice.

6. I certify that I am willing to provide all requested documents and to respond to all Servicer communications in a timely manner. I understand that time is of the essence.

7. I understand that the Servicer will use the information I provide to evaluate my eligibility for available relief options and foreclosure alternatives, but the Servicer is not obligated to o�er me assistance based solely on the representations in this document or other documentation submitted in connection with my request.

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

9. If I am eligible for assistance under MHA, and I accept and agree to all terms of an MHA notice, plan, or agreement, I aIso agree that the terms of this Acknowledgment and Agreement are incorporated into such notice, plan, or agreement by reference as if set forth therein in full. My �rst timely payment, if required, following my servicer's determination and noti�cation of my eligibility or prequali�cation for MHA assistance will serve as my acceptance of the terms set forth in the notice, plan, or agreement sent to me.

10. I understand that my Servicer will collect and record personal information that I submit in this Hardship A�davit and during the evaluation process, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about my account balances and activity. I understand and consent to the Servicer's disclosure of my personal information and the terms of any MHA notice, plan or agreement to the U.S. Department of the Treasury and its agents, Fannie Mae and Freddie Mac in connection with their responsibilities under MHA, companies that perform support services in conjunction with MHA, any investor,insurer, guarantor, or servicer that owns, insures, guarantees, or services my �rst lien or subordinate lien (if applicable) mortgage loan(s) and to any HUD-certi�ed housing counselor.

11. I consent to being contacted concerning this request for mortgage assistance at any e-mail address or cellular or mobile telephone number I have provided to the Servicer. This includes text messages and telephone calls to my cellular or mobile telephone.

ACKNOWLEDGEMENT AND AGREEMENT

Co-borrower Signature Social Security Number Date of Birth Date

Borrower Signature Social Security Number Date of Birth Date

The undersigned certi�es under penalty of perjury that all statements in this document are true and correct.

Be advised that by signing this document you understand that any documents and information you submit to your servicer in connection with the Making Home A�ordable Program are under penalty of perjury. Any misstatement of material fact made in the completion of these documents including but not limited to misstatement regarding your occupancy of your property, hardship circumstances, and/or income, expenses, or assets will subject you to potential criminal investigation and prosecution for the following crimes: perjury, false statements, mail fraud, and wire fraud. The information contained in these documents is subject to examination and veri�cation. Any potential misrepresentation will be referred to the appropriate law enforcement authority for investigation and prosecution. By signing this document you certify, represent and agree that: “Under penalty of perjury, all documents and information I have provided to my Servicer in connection with the Making Home A�ordable Program, including the documents and information regarding my eligibility for the program, are true and correct.”

If you are aware of fraud, waste, abuse, mismanagement or misrepresentations a�liated with the Troubled Asset Relief Program, please contact the SIGTARP Hotline by calling 1-877-SIG-2009 (toll-free), 202-622-4559 (fax), or www.sigtarp.gov and provide them with your name, our name as your servicer, your property address, loan number and the reason for escalation. Mail can be sent to Hotline O�ce of the Special Inspector General for Troubled Asset Relief Program, 1801 L St. NW, Washington, DC 20220

Beware of Foreclosure Rescue Scams. Help is FREE!·There is never a fee to get assistance or information about the Making Home A�ordable Program from your lender or a HUD-approvedhousing counselor.·Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modi�cation of a delinquent loan·Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.·Never make your mortgage payments to anyone other than your mortgage company without their approval.

Dodd-Frank Certification

The following information is requested by the federal government in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203). You are required to furnish this information. The law provides that no person shall be eligible to receive assistance from the Making Home Affordable Program, authorized under the Emergency Economic Stabilization Act of 2008 (12 U.S.C. 5201 et seq.), or any other mortgage assistance program authorized or funded by that Act, if such person, in connection with a mortgage or real estate transaction, has been convicted, within the last 10 years, of any one of the following: (A) felony larceny, theft, fraud or forgery, (B) money laundering or (C) tax evasion. I/we certify under penalty of perjury that I/we have not been convicted within the last 10 years of any one of the following in connection with a mortgage or real estate transaction:

(A) felony larceny, theft , fraud, or forgery, (B) money laundering or (C) tax evasion

I/we understand that the servicer, the U.S. Department of the Treasury, or their agents may investigate the accuracy of my statements by performing routine background checks, including automated searches of federal, state and county databases, to confirm that I/we have not been convicted of such crimes. I/we also understand that knowingly submitting false information may violate Federal law. This Certificate is effective on the earlier of the date listed below or the date received by your servicer. __________________________________________________ __________________________ Borrower Signature Date __________________________________________________ __________________________ Co-Borrower Signature Date

HELP FOR AMERICA’S HOMEOWNERS

Form 4506-T(Rev. September 2013)Department of the Treasury Internal Revenue Service

Request for Transcript of Tax Return Request may be rejected if the form is incomplete or illegible.

OMB No. 1545-1872

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on "Order a Return or Account Transcript" or call 1-800-908-9946. 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, individual taxpayer identification number, or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return

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

4 Previous address shown on the last return filed if different from line 3 (see instructions)

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.

Caution. If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party.

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. A tax return transcript does not reflect changes made to the account after the return is processed. 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 10 business days .

c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days . . . . . .

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. 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 2011, filed in 2012, will likely not be available from the IRS until 2013. 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 10 business 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.

Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcript involved identity theft on your federal tax return . . . . . . . . . . . . . . . . . . . . . . . . . . .

Caution. Do not sign this form unless all applicable lines have been completed.

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, at least one spouse 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. Note. For transcripts being sent to a third party, this form must be received within 120 days of the signature date.

Sign

Here

Phone number of taxpayer on line 1a or 2a

Signature (see instructions) Date

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

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 9-2013)

Third Party Authorization Form

______________________________________ ____________________________________ Mortgage Lender/Servicer Name [Account] [Loan] Number

The undersigned Borrower and Co-Borrower (if any) (individually and collectively, “Borrower” or “I”)) authorize the above mortgage lender/servicer and its successors and assigns (individually and collectively, “Servicer”) and the following third parties. ______________________________________ ______________________________________ [Counseling Agency] [Agency Contact Name and Phone Number] ______________________________________ ______________________________________ [State HFA Entity] [State HFA Contact Name and Phone Number] ______________________________________ ______________________________________ [Other Third Party] [Third Party Contact Name and Phone Number] ______________________________________________________________________________ [Relationship of Other Third Party to Borrower and Co-Borrower] (individually and collectively, “Third Party”) to obtain, share, release, discuss and otherwise provide to and with each other public and non-public personal information contained in or related to the mortgage loan of the Borrower. This information may include (but is not limited to) the name, address, telephone number, social security number, credit score, credit report, income, government monitoring information, loss mitigation application status, account balances, program eligibility, and payment activity of the Borrower. I also understand and consent to the disclosure of my personal information and the terms of any agreements under the Making Home Affordable or Hardest Hit Fund Programs by Servicer or State HFA to the U.S. Department of the Treasury or their agents in connection with their responsibilities under the Emergency Economic Stabilization Act.

The Servicer will take reasonable steps to verify the identity of a Third Party, but has no responsibility or liability to verify the identity of such Third Party. The Servicer also has no responsibility or liability for what a Third Party does with such information. Before signing this Third Party Authorization, beware of foreclosure rescue scams!

• It is expected that a HUD-approved housing counselor, HFA representative or other authorized third party will work directly with your lender/mortgage servicer.

• Please visit http://makinghomeaffordable.gov/counselor.html to verify you are working with a HUD-approved housing counseling agency.

• Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.

This Third-Party Authorization is valid when signed by all borrowers and co-borrowers named on the mortgage and until the Servicer receives a written revocation signed by any borrower or co-borrower. I UNDERSTAND AND AGREE WITH THE TERMS OF THIS THIRD PARTY AUTHORIZATION: Borrower Co-Borrower ___________________________ ___________________________ Printed Name Printed Name ___________________________ ___________________________ Signature Signature ___________________________ ___________________________ Date Date

HELPING YOU STAY IN YOUR HOME.

SIGN SIGN

http://makinghomeaffordable.gov/counselor.html

▲ ▲

Form 4506T-EZ (Rev. January 2012)

Department of the Treasury Internal Revenue Service

Short Form Request for Individual Tax Return Transcript

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

OMB No. 1545-2154

Tip. Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge, or you can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on “Order a Transcript” or call 1-800-908-9946.

1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number or individual taxpayer identification number on tax return

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual

taxpayer identification number if joint tax return

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

4 Previous address shown on the last return filed if different from line 3 (see instructions)

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

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

Caution. If the tax 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 this line. Completing this step helps to protect your privacy. Once the IRS discloses your IRS transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party.

6 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.

Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcript involved identity theft on your federal tax return.

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.

Caution. Do not sign this form unless all applicable lines have been completed.

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 the signature date.

Phone 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. Cat. No. 54185S Form 4506T-EZ (Rev. 1-2012)

Southwest Economic Solutions

Foreclosure Prevention Intake and Budget Forms Page 1 of 3

Document Owner & Approver: Program Manager Effective Date: 1.23.14 Issue Date: 05.05.08 Revision: No. 4

1. How much money do you have saved to put towards saving your home? __________________

MORTGAGE INFORMATION 1st Mortgage/Lender Name, if applicable: Account/Loan #:

2nd Mortgage/Lender Name, if applicable: Account/Loan #:

Property Tax Information Total Amount Due: Parcel ID#: $

HOUSEHOLD INCOME

Monthly Gross Before Deductions

Monthly Net Take Home Pay Source of Income:

Borrower Co-Borrower Other Income Other Income Other Income

TOTAL INCOME ASSETS BALANCE Checking Accounts: $ Savings Accounts: $ IRA/401K: $ Other: $ Credit Card Debt (that you are paying on) Total balance owed Monthly Payment Type of credit card (VISA, MasterCard, etc.) Name Card #1 Name Card #2 Name Card #3 Name Card #4 CO-SIGNED DEBTS? (if applicable) TOTAL EXPENSES (this section only)


Foreclosure Prevention Intake and Budget Forms Page 2 of 3 GENERAL EXPENSES

Type of Expense Fill out only those that are applicable to you

Current Monthly Payment/Expense

Adjustments Completed at appointment

• Mortgage Payment • Second Mortgage Payment • Third Mortgage Payment • Homeowners Insurance (if not included in

mortgage payment)

• Property Taxes (if not included in mortgage payment)

TRANSPORTATION • Car payment #1 • Car payment #2 • Gas • Car insurance • Public transportation

FOOD • Food stamps (must provide DHS Award Letter) • Groceries (if not receiving food stamps) • Eating out

CLOTHING • Laundry • Dry cleaning

UTILITIES • Gas • Electric • Water • Land Phone/Cell Phone • Cable • Internet

Bundle Service • Educational fees • Child care • Other dependent care (Provide information)

MEDICAL • Prescriptions (Ongoing monthly) • Dental (Ongoing monthly) • Doctor’s Payments (Ongoing monthly) • Other medical (Monthly only)

Personal expenses: haircuts, manicure, etc. Life insurance (Paid out of pocket) Charities/Church Offerings TOTAL EXPENSES (THIS PAGE ONLY)

Southwest Economic Solutions Foreclosure Prevention Intake and Budget Forms Page 3 of 3 RESPONSIBILITIES Other Debt Issues YES NO Are your wages being garnished for any reason? Do you have any pending court cases? Do you have any pending utility shut offs? Do you have any student loans that are in deferment? If so, when will the loan be out of deferment, and what will your payment amount be? $______________

Other Assets and Other Resources

Do you have any savings? Do you normally receive a tax refund? If yes, amount/value: $______________ FINAL TOTAL OF BUDGET

Income & Expense Totals – ALL Net Gross Total Monthly Income – Page 1 $ $

Total Monthly Expenses – All pages $ $ Surplus or Deficit Amount $ $ When completing your budgeting and reviewing it with your counselor:

• This budget is reviewed against your bank statements that you provide to us. • This budget will be sent to your service/lender for review. • This budget is designed to help you see where you may have negative spending habits and assist

you and your family in building a more positive financial future. ____________________________ ______________________________ _____________ Print Borrower’s Name Borrower’s Signature Date ____________________________ ______________________________ _____________ Print Co-Borrower’s Name Co-Borrower’s Signature Date ____________________________ ______________________________ _____________ Print Counselor Name Counselor’s Signature Date

Hardship Affidavit Explanation

BORROWER __________________________________ CO-BORROWER___________________________________

SOCIAL SECURITY NUMBER: ______________________________________________________________________

PROPERTY ADDRESS: ___________________________________________________________________________

SERVICER LOAN NUMBER: _______________________________________________________________________

Please provide a written statement of what is causing the hardship you are currently facing.

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Borrower Signature & Date Co-Borrower Signature & Date


Phone: (313) 841-9641 Fax: (313) 297-1380

Foreclosure Prevention Privacy Notice Document Owner & Approver: Program Manager Revision No. 3

Issue Date: 05.05.08 Effective Date: 1.23.14 Protecting your privacy is important to Southwest Economic Solutions (SWES). The following information describes our policies and practices that protect your privacy, and enables us to work with you and your home lender to try to resolve your financial issues. We are committed to assuring the privacy of individuals and families who have contacted us for assistance. This notice explains what information we collect, how we use it and how we protect it. If you have any questions after reading it, please contact us at (313) 841-9641.

How Do We Collect Information? We obtain nonpublic personal information about you from the following:

• Information you provide to us directly (through the internet, the telephone or forms you complete), such as your name, address, social security number and real estate lender;

• Information about your transactions with us, your creditors, or others, such as your account balance, payment history parties to transactions;

• Information from consumer reporting agencies (credit reports); and Information from your lenders What Information Do We Share?

We may share your nonpublic personal information with lenders with whom you have loans, as part of our efforts to address your mortgage concerns; to companies that perform marketing or other services on our behalf or to other financial, governmental, non-profit institutions with whom we have joint marketing agreements; and other people or entities when required or permitted by law (for example, in response to a subpoena of a regulatory inquiry).

How Do We Protect Your Information? We restrict access to information about you to our employee and agents who need your information to provide services to you for quality control and research purposes. We maintain physical, administrative and technical safeguards that comply with Federal regulations to protect your information.

How to Opt Out or Stop Certain Disclosures about You At this time, we do not intend to disclose nonpublic personal information other than as noted above. If in the future, SWES intends to disclose non-public information other than the above, SWES will provide an additional notice, and provide an opportunity to opt out, if applicable. The opt out does not apply to disclosures that are legally permitted or required or to disclosures that SWES makes to companies that perform services on our behalf or to other non-profit governmental institutions that have joint marketing agreements.

How Do We Treat Past Clients? When you are no longer our client, the privacy practices described in this notice will continue to apply to you. We will remove your information from our files within 3 years of the closing of your file. If you would like a copy of this form after signing it, please ask and a copy will be made at your request. By signing below you agree to have read and understood the Privacy Notice.

____________________________________ ____________________________________ Applicant Signature / Date Co-Applicant Signature / Date


Phone: (313) 841-9641 Fax: (313) 297-1380

Conflict of Interest Policy Document Owner & Approver: Program Manager Revision No.: 3 Issue Date: 02/23/09 Effective Date: 1.23.14 Page 9 of 1

Client Name: ______________________________________________________________ I choose to participate in Southwest Economic Solutions (SWES) Financial/Housing counseling program. SWS-SWES is a HUD - Approved Counseling Agency who is assisting to improve my Financial/Housing situation. I understand that at any time should there arise a conflict, the following procedures will be followed:

• Homeownership educators/counselors will avoid the actual and the appearance of any conflicts of interest. They will inform client(s)/borrower(s) should a real or potential conflict of interest arises and takes all necessary steps to resolve the issue in a professional and courteous manner that makes the client(s)/borrower(s) interests primary and protects client(s)/borrower(s) interests. In some cases, protecting client(s)/borrower(s) interests may require termination of the professional relationship with the current counselor and/or a proper referral of the client(s)/borrower(s) case to another HUD Counseling Agency.

• Homeownership educators/counselors will not take unfair advantage of any professional relationship or exploit others to further their personal, religious, political, or business interests.

• Any potential conflicts of interest will be disclosed to client(s)/borrower(s) in a written disclosure document for their review. The client(s)/borrower(s) will be educated and provided materials on the other services that may be available at SWS-SWES or a referral to an outside source and is under no obligation to receive any other services offered by the Grantee, its exclusive partners or funders or any referral outside of the SWS-SWES.

By signing below you agree to have read and understood the Client/Borrower and Counselor Conflict of Interest Policy. Applicant Signature/Date Co-applicant Signature/Date Counselor Signature/Date 1.23.14


2835 Bagley Avenue, Suite 800, Detroit, MI 48216 Phone: (313) 841-9641 Fax: (313) 297-1380

Client Authorization & Release of Information

Document Owner & Approver: Program Manager Revision No. 6 Effective Date: 5.14.14 Client Name:_________________________________________________________________________ I choose to participate in Southwest Economic Solutions (SWES – a MSDHA Approved Counseling agency), counseling to improve my housing/financial situation. I hereby authorize you to release all information concerning my account(s) to SWES at their request. I understand that my counselor may/will discuss or otherwise disclose information about credit history, financial situation, employment or other information with me and with representatives of financial institutions. My counselor may also discuss with agencies such as Fannie Mae, MSHDA (Michigan State Housing Development Authority), and NFMC (National Foreclosure Mitigation Counseling Program), and their respective third part service providers/referrals as necessary, to assist me in improving my housing/financial situation. I understand that information about person circumstances will remain strictly confidential, and NO information will be discussed with anyone not directly involved in efforts to improve my housing/financial situation. I understand that SWES received Congressional funds through the NFMC program and SWES will submit client level data to a collection system for the NFMC Grant; NFMC opens files to review for program monitoring and compliance purposes and NFMC may conduct follow-up with clients that are related to the program for evaluation after the original counseling has taken place with SWES. I understand that SWES provides foreclosure mitigation counseling after which I will receive a written Work Plan consisting of options for improving my housing/financial situation, possibly including referrals to other resourced available within SWES as appropriate and resourced available in my community. I hereby authorize Southwest Economic Solutions to do the following:

• Discuss in further detail my circumstances that may be necessary in attempting to improve my housing/financial situation.

• Release of the completed and signed HUD 1 Settlement Statement, including any other housing related documentation indicating my/our homeownership.

• Pull a consumer or residential credit report to verify the accuracy of credit information, including past and present mortgage, alternative credit, utilities and rental references.

• Release credit, financial, employment and other information to financial institutions of my choice when disclosing information that is essential to the improvement of my housing/financial situation.

• Confirm bank account information; verify employment, IRS filings and any other household income information that may be necessary to review the options available in maintaining homeownership.

• To communicate/discuss with my/our Bankruptcy Attorney and/or Court Trustee all the affordable options that are presented from my/our servicer/investor in maintaining ownership.

I fully understand that SWES’s assistance with my housing/financial situation will answer questions and provide options but not give legal advice. If I need legal advice, I will be provided a list of the appropriate referrals to legal assistance. By signing below, I fully understand and have read the above and I agree to release and not hold responsible any SWES employees, its agents and any board members from any claims or causes of action arising, or which may arise, from mistakes, errors, or omissions concerning said counseling.

*Applicant signature date Is “Start Date” & “End Date” is 365 calendar days from Applicant signature date.* Applicant Signature:___________________________________________________Date:_________________ Co-Applicant Signature:________________________________________________Date:_________________ Servicer/Lender:___________________________________________ Loan Number: ____________________ Property Address:__________________________________________________________________________ Property Address:__________________________________________________________________________ Parcel #:____________________________________ Applicant’s Social Security Number:________________ SWES Counselor:________________________ Phone Number:____________________ Date:_____________

Updated 4/09

MSHDA’s Division of Homeownership Counseling Agreement and Release of Information

Select Service Type: Homeownership Counseling Foreclosure Counseling NFMC Foreclosure Counseling

MSHDA Approved Counseling Agency:

Loan Number:

Address for Foreclosure Counseling:

City:

Zip:

In signing this agreement and release, I am agreeing to actively participate in the Homeownership Counseling Program being offered by this Michigan State Housing Development Authority (MSHDA) counseling agency in order to receive counseling services. Participation in this program is voluntary and requires me to establish the reason for my delinquency and to develop an Action Plan, in cooperation with the Counselor. 1. I may be referred to other housing services of the organization or another agency as appropriate

that may be able to assist with particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.

2. I understand that this Agency receives funds through MSHDA, HUD and the NFMC Programs and as such, is required to share some of my personal information with program administrators or their agents for purposes of program monitoring, compliance and evaluation.

3. I understand that a counselor may answer questions and provide information, but cannot give legal advice. If I want legal advice, I will be referred to an attorney for appropriate assistance.

4. I understand that this Agency provides both pre-purchase and post-purchase counseling services and I will receive a written Action Plan consisting of recommendations for handling my finances, possibly including referrals to other housing agencies or organizations as appropriate.

5. I understand that this Agency provides information and education on numerous housing programs and loan products and I further understand that the housing counseling I receive from this Agency in no way obligates me to choose any of these particular housing programs or loan products.

6. If I am a NFMC program participant, I give permission to program administrators and/or their agents to pull my credit report up to two (2) additional times between now and June 30, 2010 and to give authorization for program administrators and/or their agents to follow-up with me between now and June 30, 2010 for the purposes of program evaluation.

Failure to sign the consent form may result in denial of program assistance or termination of counseling program benefits.

CONSENT: I/We hereby allow this Agency its agents, employees, or its affiliates to request and obtain income and asset information, mortgage, credit bureau and personal information pertinent to MSHDA’s Homeownership Counseling Program. I/We allow contact to be made on my/our behalf with representatives from mortgage, attorney, collection and credit bureau companies. NOTE: If you or anyone in your family feels as though they have been unfairly steered or pressured into a certain

mortgage loan, real estate, or other housing related services, please contact MSHDA’s Homeownership Counseling Program at (517)373-6840.

Client’s Printed Name Signature Date



Counselor’s Printed Name Counselor’s Signature Date signed

Name of Counseling Agency City – Location of Agency Contact Number

MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY Homeownership Division

Understanding Michigan’s Foreclosure Timeline

Day 2 to 36

Day 45

During this time

Day 121

Six (6) months

Redemption

Period and Inspection

Payment due on the 1st

and is considered delinquent on the 2nd.

Late charges are

assessed for each missed payment.

Lender/Servicer must

make LIVE contact with homeowners, who missed their payment, to inform about loss mitigation options.

Communicate with your Lender, “What are my options, what do I qualify for?”

Lender/Servicer

must assign a single point of contact to homeowner AND provide written notification of delinquency and loss mitigation options.

During this time you

can work with a lender to obtain a loan workout, a modification or other loss mitigation option.

If your Lender allows

you to make a partial payment – make it.

Don’t agree to a workout plan if you cannot afford to make the payments. Contact a MSHDA approved agency for free assistance.

If all attempts to

resolve default are unsuccessful and hardship application is not received the foreclosure process begins.

Notice of foreclosure

recorded at local courthouse.

Sheriff’s sale date is

scheduled, and then published in the county newspaper for four (4) consecutive weeks – including details of the debt.

Notice of the sale date

gets posted on the property within two (2) weeks of the first publication.

Sheriff Sale Held - The “Sheriff’s Deed” lists the last date the property can be redeemed. (Up until the Sheriff Sale has occurred, homeowner may still submit a loss mitigation application.)

Redemption Period –

starts day of Sheriff Sale -Six (6) months is most common. -If more than two-thirds of the loan amount has been paid, the redemption period can be up to twelve (12) months. -Farming property can be up to twelve (12) months.

Homeowner can live

in property, not required to make payments, can sell or buy back property and should: Maintain the

property Maintain utilities Maintain insurance

And must: Allow purchaser to inspect the home and all ancillary structures during redemption period.

To redeem the property the borrower must pay: Amount bid at sheriff sale + interest + fees.

Purchaser has the right to inspect

the inside and outside of property; if inspection is unreasonably refused, then purchaser can seek to evict and terminate the redemption period.

If property is in need of repairs or in imminent need of repairs, a seven day notice to repair should be issued and if repairs are not made, then the purchaser can seek to evict and terminate redemption period.

Interior inspection is permitted with at least 72 hours’ notice after an initial notice providing information about the purchaser and inspection rights; the purchaser may request additional information after initial interior inspection.

When homeowner moves out of the property, if the purchaser had sent a notice about inspection, the homeowner must provide a ten day notice to the purchaser of their move out date or risk additional liability for damages to the property occurring during the redemption period.

The purchaser can inspect the outside of the property without any notice.

EVICTION - At the end of the redemption period if you have not already vacated the home you will receive a Summons to appear in court. At the hearing, a date is set for the Sheriff to physically remove you from the property, if necessary.

Be realistic – if you cannot afford to keep your home – sell it. List your home with a reputable Realtor® who is familiar with “short sales” if you owe more than your home is worth. A short sale requires your Lenders approval. Always ask for a waiver of deficiency from the Lender. Avoid Rescue Scams: • Don’t give someone money who says they can prevent a foreclosure or

help you get a loan modification. • Don’t sign paperwork you aren’t familiar with or sign a deed over to

someone who says they will help you.

MSHDA’s Housing Education Partners can assist you with determining your housing goals and which options such as a loan modification, Hardest Hit (Step Forward Michigan) assistance or transitioning from your home best meet your individual needs. Other local community resource information is also provided. Contact a MSHDA-approved agency for free assistance @ www.michigan.gov/mshda

MSHDA Housing Education Program – effective January 10, 2014 Revised 6/2014

http://www.michigan.gov/mshda


Client/Counselor Agreement Southwest Economic Solutions and its counselors agree to provide the following services:

• Development of a spending plan • Analysis of the mortgage default, including the amount and cause of default • Presentation and explanation of reasonable options available to the homeowner • Assistance communicating with the mortgage servicer and other creditors • Timely completion of promised action • Explanation of collection and foreclosure process • Reminder to follow-up with the servicer 2x monthly for updates by email or voice mail • Identification of assistance resources • Referrals to needed resources • Confidentiality, honesty, respect and professionalism in all services

I/We, , the homeowner(s), have received a copy of the Client Counselor Agreement, and agree to the following terms of service:

• I/We will always provide honest and complete information to my/our counselor, whether verbally or in writing.

• I/We will provide all necessary documentation and follow-up information within the timeframe requested.

• I/We will be on time for appointments and understand that if we are late for an appointment, the appointment will still end at the scheduled time.

• I/We will call within 24 hours of a scheduled appointment if I/we will be unable to attend an appointment.

• I/We will contact the counselor about any changes in our situation immediately. • I/We understand that breaking this agreement may cause the counseling organization to sever

its service assistance to me/us. Other Terms of Service Walk-in clients seeking services from homeownership programs offered at SWES can walk into SWES offices during the following designated days/times, only:

Monday from 9:00-4:00pm Wednesday from 9:00-4:00pm

For document submission, original documents will not be accepted – only copies of originals will be accepted. ___________ Homeowner Date ________ Homeowner Date ________ Homeowner Date ________ Counselor Date _______ Counselor Date

Southwest Economic Solutions 2835 Bagley … Economic Solutions. 2835 Bagley Avenue, ... Southwest...

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