[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-276787-105":53,"doc-detail-276787-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","hardship-letter-loss-mitigation-application","Hardship Letter - Loss Mitigation Application","","Hardship Letter for mortgage loss mitigation requests, requiring borrowers to document the specific reasons they cannot make monthly mortgage payments and to certify that the provided information is truthful. The acknowledgment and agreement explains that the servicer may verify statements, access credit reports for all note borrowers, and require supporting documents. It also outlines consequences of intentional default, fraud, or misrepresentation. 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The servicer may investigate the accuracy of statements and require supporting documentation, and knowingly submitting false information may violate the law.",{"name":115,"@type":106,"acceptedAnswer":116},"What options may be available under loss mitigation, and what are examples?",{"text":117,"@type":109},"The document lists options such as repayment plan, loan reinstatement, loan modification, and temporary forbearance agreement to keep the home. If keeping the property is not possible, it references deed-in-lieu as an alternative.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},276787,1789495308,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":20,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":73},137455077381,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Hardship Letter  \nPlease document detail reason(s) why you are having difficulty making monthly mortgage payments.  \n\n|  |\n| --- |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n|  |\n\nNumber of people in household:   Number of cars in household:   Borrower(s) Name:    \nMember Number:   Date:    \nLOSS MITIGATION APPLICATION  \nACKNOWLEDGEMENT AND AGREEMENT  \nIn making this request for consideration under your loss mitigation program, I certify under penalty of perjury;  \n1. That all of the information in this document is truthful and the event(s) identified on page 3 is/are the reason that I need to request a modification of the terms of my mortgage loan, short sale or deed-in-lieu of foreclosure.  \n2. I understand that the Servicer, Tower Federal Credit Union, or its agents may investigate the accuracy of my statements and may require me to provide supporting documentation. I also understand that knowingly submitting false information may violate the law.  \n3. I understand the Servicer will pull my current credit report on all borrowers obligated on the Note.  \n4. I understand that if I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any fact(s) in connection with this document, the Servicer may cancel any loss mitigation agreement and may pursue foreclosure on my property.  \n5. That my Property is owner occupied; I intend to reside in this property for the next twelve  \nmonths; I have not received a condemnation notice; and there has been no change in the ownership of the Property since I signed the documents for the mortgage that I want to modify.  \n6. I am willing to provide all requested documents and to respond to all Servicer questions in a timely manner.  \n7. I understand that the Servicer will use the information in this document to evaluate my eligibility for a loan modification or short sale or deed-in-lieu of foreclosure, but the Servicer isnot obligated to offer me assistance based solely on the statements in this document.  \n8. I am willing to commit to housing counseling if it is determined that my financial hardship is related to excessive debt.  \n9. I understand that the Servicer will collect and record personal information, including but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balancesand activity. I understand and consent to the disclosure of my personal information and the terms of any loss mitigation agreement to any third party that needs this information to process this application, including but not limited to: any investor, insurer, guarantor or Servicer that owns, insures, guarantees or services my first lien or subordinate liens (if applicable) mortgage loan(s) any companies that perform support services in conjunction with my mortgage; any HUD-certified housing counselor; and government regulators.  \n\n| Borrower Signature | Date |\n| --- | --- |\n\nCo-Borrower Signature Date  \n7901 Sandy Spring Road/Laure, Maryland 20707/240-459-1763/1-866-538-6937/Fax 301-617-0946  \nLOSS MITIGATION OPTIONS AND ELIGIBILTIY REQUIREMENTS  \nPlease see the options below and eligibility requirements for possible workout options for the loan that is the subject of this Notice or filing.  \nOPTIONS FOR KEEPING YOUR HOME  \n􀁸 Repayment Plan – A temporary agreement which allows for repayment of the unpaid past-due debt along with continued regular mortgage payments. The unpaid past due debt may include principal, interest, fees, and/or cost incurred by the lender.  \nEligibility Requirements for this option require a portion of the unpaid past due debt as a down payment, with the remainder of the unpaid debt being spread out over a period of months. You will make the additional payment along with your regular monthly mortgage payment. In order to qualify for this option, yo","cbCaibOVT2uXf8B3","https://ap.wps.com/l/cbCaibOVT2uXf8B3","pdf",478570,"English","# LOSS MITIGATION APPLICATION\n## ACKNOWLEDGEMENT AND AGREEMENT\n## LOSS MITIGATION OPTIONS AND ELIGIBILITIY REQUIREMENTS\n## OPTIONS FOR KEEPING YOUR HOME\n### Repayment Plan\n### Loan Reinstatement\n### Loan Modification\n### Temporary Forbearance Agreement\n## OPTIONS IF YOU DO NOT WISH AND/OR MAY NOT BE ABLE TO AFFORD TO KEEP THE PROPERTY\n### Deed-In-Lieu\n## Maryland HOPE Hotline","[{\"question\":\"What information must borrowers provide in the Hardship Letter?\",\"answer\":\"Borrowers must document the detailed reasons for difficulty making monthly mortgage payments and certify that the identified event(s) are the basis for requesting a mortgage modification, short sale, or deed-in-lieu of foreclosure.\"},{\"question\":\"Can the servicer investigate or request supporting documents?\",\"answer\":\"Yes. The servicer may investigate the accuracy of statements and require supporting documentation, and knowingly submitting false information may violate the law.\"},{\"question\":\"What options may be available under loss mitigation, and what are examples?\",\"answer\":\"The document lists options such as repayment plan, loan reinstatement, loan modification, and temporary forbearance agreement to keep the home. If keeping the property is not possible, it references deed-in-lieu as an alternative.\"}]","Hardship Letter - Loss Mitigation Application | PDF"]