Sample Documents and Practice Aids

Sample Documents from Foreclosure Prevention Counseling (3d ed. 2013)

Appendix A: Sample Forms

A.1: Foreclosure Prevention Intake Form

A.2: Foreclosure Prevention Counseling Checklist

A.3: Sample Authorization to Release Information

A.4: Sample Request for Information from Loan Servicer

A.5: Sample Request for Information / Notice of Error Under RESPA

A.6: Homeowner’s Checklist for Avoiding Foreclosure

Appendix B: Sample Loan and Other Documents

B.1: Sample Mortgage

B.2: Sample Promissory Note (Fixed)

B.3: Sample Promissory Note (Adjustable)

B.4: Sample Change Rate Notice for ARM

B.5: Sample Annual Escrow Account Statement

B.6: Sample Notice as to Change of Service

B.7: Sample Notice as to Assignment, Sale, or Transfer of Ownership of Mortgage Loan

Appendix C: FDIC Loan and NPV Test Documents

C.1: FDIC NPV Test

C.2: Sample FDIC Loan Modification Agreement

C.3: FDIC Loan Modification / NPV Example

Sample Letters


arrowExample of a Qualified Written Request (p 97)  

arrowSample Hardship Letter (pp 100-101)  

arrowSample “Cease Debt Collection Communication” Letter (p 80)  

arrowSample Credit Card Billing Error Dispute Letter (p 248)

Practice Aids

arrowLoan Calculator (Excel spreadsheet)

arrowFollow the Paper Trail: Anatomy of a Securitization (Prepared by NEDAP)

arrowSchedule of Standard Attorney Fees Approved by HUD & Investors

arrowFinding Pooling and Servicing Agreements for Securitized Mortgage Loans

arrowAnswer Sheet to Chapter 3 Questions (Appendix H)

arrowLoan Note (p 40)

arrowChecklist: Identifying a Predatory Mortgage Loan (p 41)

arrowThirteen Refinancing Rules for Homeowners (p 73)

arrowLoan Information Worksheet (pp 93-94)

arrowHow to Calculate the Reinstatement Amount, Payoff Amount (pp 94-95)

arrowThirteen Important Considerations About Bankruptcy (pp 215-216) 

Other Helpful Resources

arrowNCLC Online Bookstore

arrowHUDCLIPS

arrowRHS

arrowRHS Regs, Handbooks, and Notices

arrowU.S. Trustee's Office

arrowconsumerfed.org

arrowresponsiblelending.org

arrowVA Home Loan Guaranty Services Servicer Homepage

arrowThe Fannie Mae Single-Family Servicing Guide

arrowFreddie Mac

arrowFreddie Mac Single-Family Seller/ Servicer Guide

arrowHigher Interest Rates Are Forcing Housing Foreclosures Across The Country, PBS Online NewsHour (originally aired on June 6, 2006)


Related Publications

Foreclosure Prevention CounselingForeclosure Prevention Counseling
These documents are largely taken from the our popular book for lawyers and housing counselors. The third edition is packed with new material -- see our online bookstore to order.

Foreclosures
Part of NCLC's 20-volume series of legal manuals for attorneys. A thorough treatise on protecting homes from foreclosure, and what to do after foreclosure. More info or buy it online.

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