Ocwen Foreclosures Form – Fill Out and Use

Loan Number:

AVOIDING FORECLOSURE - Mortgage Programs Are Available to Help

There are a variety of programs available to help you resolve your delinquency and keep your home. You may be eligible to refinance or modify your mortgage to make your payments and terms more manageable, for instance, lowering your monthly payment to make it more affordable. Or, if you have missed a few payments, you may qualify for a temporary (or permanent) solution to help you get your finances back on track. Depending on your circumstances, staying in your home may not be possible. However, a short sale or deed-in-lieu of foreclosure may be a better choice than foreclosure – see the table below for more information.

We Want to Help

Take action and gain peace of mind and control of your situation. Complete and return this package to start the process of getting the help you need now.

Learn More

For more information, please see the Frequently Asked Questions (refer to Section 18) and other information provided with this letter. If you need assistance, contact our customer support team at (800) 746-2936.

Act Now

Please fax COMPLETE set of forms & documents to 1-407-737-6174, or EMAIL us at mod@ocwen.com

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Provide the required income documentation as per the RMA form

You may also disclose any income from a household member who is not on the promissory note (non-borrower), such as a relative, spouse, domestic partner, or fiancé who occupies the property as a primary residence.

Explain the reason for the Hardship

Provide the required income documentation as per the RMA form

For each borrower, please submit a signed, dated copy of IRS Form 4506T or 4506T-EZ (Short Form Request for Individual Tax Return Transcript)

Borrowers who filed their tax returns jointly may send in one IRS Form 4506T or 4506T-EZ signed and dated by both joint filers

IMPORTANT REMINDERS:

If you cannot provide the documentation within the time frame provided, have other types of income not specified in the Request for Mortgage Assistance(RMA), cannot locate some or all of the required documents, OR have any questions, please contact us at (800) 746-2936.

It is imperative for you to send COMPLETE details of income along with a signed 4506-T or 4506-T-EZ form.

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Loan Number:

When you sign and date this form, you will make important certifications, representations and agreements, including certifying that all of

the information in this RMA is accurate and truthful.

HARDSHIP AFFIDAVIT

SECTION 1: BORROWER INFORMATION

Name

Social Security Number

Date of Birth

Home Phone Number with Area Code

Cell or Work Number with Area Code

Email ID

Property Address:-

If "Yes", Servicer Name : _________________________________________________ Loan ID number: __________________

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Loan Number:

SECTION 3: OCCUPANCY AND RENTAL INFORMATION

Complete this section ONLY if you are requesting mortgage assistance with a property that is not your principal residence

MM/ YYYY

Occupied rent-free by a family member, parent, or guardian

Occupied rent-free by someone else

If No, what is the property status?

Vacant but available for rent**. (Describe efforts to rent property): ______________________________________

No Intent to rent

Condemned

Other (Describe): ___________________________________________________________________________

**IF PROPERTY IS RENTED OR AVAILABLE FOR RENT, PLEASE COMPLETE THE CERTIFICATION

BELOW

RENTAL PROPERTY CERTIFICATION

By checking this box and initialing below, I am requesting a mortgage modification under MHA with respect to the rental property described in this Section 3 and I hereby certify under penalty of perjury that each of the following statement is true and correct with respect to that property.

I intend to rent the property to a tenant or tenants for at least five years following the effective date of my mortgage

1.modification. 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 efforts to rent the property to a tenant or tenants on a year-round basis, if the property is or becomes vacant during such five-year period.

Note: The term “reasonable efforts” 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 five years following the effective date of my mortgage modification. I understand that if I do use the property as a secondary residence during such five-year period, my use of the property may be considered to be inconsistent with the certifications 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.

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

Notwithstanding the foregoing certifications, 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 certifications made herein.

This certification is effective on the earlier of the date listed below or the date the RMA is received by your servicer.

Initials:

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Loan Number:

FINANCIAL INFORMATION FORM

SECTION 4: CURRENT EMPLOYMENT INFORMATION

•You should only complete requested employer information if you are currently working for employer.

•If you are not currently employed, indicate that you are currently “Unemployed” in the box provided.

SECTION 5: INCOME INFORMATION - RECEIVED PER MONTH

•All figures should represent the total amount received in a month for that income category.

•GROSS Pay – This is the amount of compensation received by an employee each month before any deductions are made for taxes, health benefits, 401k contributions, etc.

•NET Pay – This is the amount of compensation received by the employee each month after all deductions are made for taxes, health benefits, 401k contributions, etc. This would be the actual dollar amount on the pay check or amount deposited into the employee’s bank account, if direct deposit is used.

•Overtime Pay, Commissions and Bonuses – This should be based on a monthly average since the amount received can vary on a monthly basis. For example, if bonus income of $1,200 is received on an annual basis, the amount entered should be $100 ($1,200 divided by 12 months = $100)..

•Self Employed Borrowers – The total amount of income received per month should be tied back to the Profit and Loss Statement to be provided under the Document Checklist. A Profit and Loss Statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specific period of time - usually a fiscal quarter or year.

*Alimony, Child Support or separate maintenance income need not be disclosed if you do not choose to have it considered for repaying your mortgage debt.

**Include Rental income received from all properties you own EXCEPT a property for which you are seeking mortgage assistance.

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All borrowers must include a signed IRS Form 4506-T or 4506T-EZ regardless of income source(s).

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Loan Number:

SECTION 8: PROFIT AND LOSS STATEMENT

Required ONLY for SELF-EMPLOYED BORROWERS

Submit the last three month’s statements, if you file this monthly OR one for last quarter.

This form is only necessary for individuals who are self-employed and need to report income from a privately owned business. This is not a substitute for providing federal tax returns documenting income, but should be provided in addition to the required tax forms and schedules.

Business Address : _________________________________________________

Business Owner(s) Other than the Borrower: __________________________ Partnership Share (%): ___________

I acknowledge that the information provided on this document is complete and accurate as of the date below.

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Loan Number:

SECTION 9: HARDSHIP DETAILS

I am (We are) requesting review for mortgage assistance.

I am (We are) having difficulty in making my monthly payments because of financial difficulties created by (check all that apply) :

SECTION 10: NON BORROWER CONSENT FORM

If you wish for income from individuals not listed on the mortgage to be considered in qualifying for a modification, Ocwen is required to review all non-borrower credit reports.

A non-borrower is defined as someone who lives at the property but is not on the original mortgage note (and may or may not be on the original security instrument), but whose income will be used to support the modified mortgage payment.

This form will authorize Ocwen to pull a credit report for occupancy verification as well as to support that this non-borrower income has not been utilized in a prior modification.

WITHOUT THIS AUTHORIZATION, NON-BORROWER INCOME CANNOT BE CONSIDERED AND MAY RESULT IN A DELAY IN

Acknowledgements (This must be completed but will only be used if being evaluated for the Government’s Making Home Affordable Program)

1.I understand that Ocwen will pull a current credit report on all non-borrowers whose income is submitted as part of the evaluation and relied upon to support the modified mortgage payment.

2.I confirm that my income was not utilized in a prior modification.

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Loan Number:

SECTION 11: CONSENT FOR RELEASE OF INFORMATION

Third-Party Authorization Form

The undersigned Borrower and Co-Borrower (if any) (individually and collectively, “Borrower” or “I”), authorize the above Servicer and the following third parties

_________________________________________________________________________________________________________

[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.

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 Name SignatureCo-Borrower 1 Name Signature

SECTION 12 : INSTRUCTION FOR IRS FORM 4506T-EZ (Next page)

SEND ONE COPY OF THE 4506T/4506T-EZ FORM TO THE IRS. SEND ANOTHER COPY OF THE 4506T/4506T-EZ WITH ALL OTHER

REQUIRED DOCUMENTS

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Loan Number:

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Loan Number:

SECTION 13: DODD FRANK CERTIFICATE

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 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 respective 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 certification is effective on the earlier of the date listed below or the date this RMA is received by your servicer.: INFORMA FOR GOVERNMENT MONITORING PURPOSES

SECTION 14: BORROWER AND CO-BORROWER ACKNOWLEDGEMENT AND AGREEMENT

1.I certify that all of the information in this RMA is truthful and the hardship(s) identified above has contributed to submission of this request for mortgage relief.

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 and other applicable 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 benefits 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 benefits 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 offer 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 financial 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 also 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 first timely payment, if required, following my servicer's determination and notification of my eligibility or prequalification 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 RMA 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 first lien or subordinate lien (if applicable) mortgage loan(s) and to any HUD-certified 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.

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

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Loan Number:

SECTION 15: BEWARE OF FORECLOSURE RESCUE SCAMS

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 Affordable 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 verification. 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 Affordable 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 affiliated 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 Office 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 Affordable Program from your lender or a HUD-approved housing counselor.

•Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification 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.

SECTION 16: HOMEOWNER'S HOTLINE

If you have questions about this document or the Making Home Affordable 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 offers free HUD-certified counseling services in English and Spanish.

SECTION 17: INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the federal government in order to monitor compliance with federal statutes that prohibit discrimination 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 modification in person. If

you do not wish to furnish the information, please check the box below.

Interviewer's Phone Number (include area code)

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Loan Number:

SECTION 18: FREQUENTLY ASKED QUESTIONS

1Why Did I Receive This Package?

You received this package because we have not received one or more of your monthly mortgage payments and want to help you keep your home if at all possible. We are sending this information to you now so that we can work with you to quickly resolve any temporary or long-term financial challenge you face to making all of your late mortgage payments.

2Where Can I Find More Information on Foreclosure Prevention?

Please see the Avoiding Foreclosure attachment in this package for more information, or you can contact Ocwen.com.

3Will I Be Evaluated for the Federal Home Affordable Modification Program (HAMP) When I Submit My Borrower Response Package? If you are not eligible for a refinance, reinstatement, repayment, or forbearance plan based on the information you provide, we will evaluate you for participation in the Home Affordable Modification Program (HAMP). If you are not eligible for HAMP, we will evaluate you for a non- HAMP loan modification.

4Will It Cost Money to Get Help?

There should never be a fee from your servicer or qualified counselor to obtain assistance or information about foreclosure prevention options. However, foreclosure prevention has become a target for scam artists. Be wary of companies or individuals offering to help you for a fee, and never send a mortgage payment to any company other than the one listed on your monthly mortgage statement or one designated to receive your payments under a state assistance program.

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