Sample Documents
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 Qualified Written Request Under RESPA
A.6: Homeowner’s Checklist for Avoiding Foreclosure
Appendix D: Sample Loan and Other Documents
D.1: Sample Mortgage
D.2: Sample Promissory Note (Fixed)
D.3: Sample Promissory Note (Adjustable)
D.4: Sample Change Rate Notice for ARM
D.5: Sample Annual Escrow Account Statement
D.6: Sample Notice as to Change of Service
Sample Deed of Trust
Appendix E: Sample Loan Modification Forms
E.1: Sample Loan Modification Agreement
E.2: Net Present Value Test
E.3: Sample Loan Mod/NPV Analysis
Sample Letters
Example of a Qualified Written Request (p 97)
Sample Hardship Letter (pp 100-101)
Sample “Cease Debt Collection Communication” Letter (p 80)
Sample Credit Card Billing Error Dispute Letter (p 248)
Practice Aids
Loan Calculator (Excel spreadsheet) Follow the Paper Trail: Anatomy of a Securitization (Prepared by NEDAP) Schedule of Standard Attorney Fees Approved by HUD & Investors Finding Pooling and Servicing Agreements for Securitized Mortgage Loans Answer Sheet to Chapter 3 Questions (Appendix H) Loan Note (p 40) Checklist: Identifying a Predatory Mortgage Loan (p 41) Thirteen Refinancing Rules for Homeowners (p 73) Loan Information Worksheet (pp 93-94) How to Calculate the Reinstatement Amount, Payoff Amount (pp 94-95) Thirteen Important Considerations About Bankruptcy (pp 215-216)
Other Helpful Resources
NCLC Online Bookstore HUDCLIPS RHS RHS Regs, Handbooks, and Notices U.S. Trustee's Office consumerfed.org responsiblelending.org VA Home Loan Guaranty Services Servicer Homepage The Fannie Mae Single-Family Servicing Guide Freddie Mac Freddie Mac Single-Family Seller/ Servicer Guide Higher Interest Rates Are Forcing Housing Foreclosures Across The Country, PBS Online NewsHour (originally aired on June 6, 2006)
Foreclosure Prevention Counseling
These documents are largely taken from the our popular book for lawyers and housing counselors. The second edition is packed with new material -- see our online bookstore to order.
Foreclosures
Part of NCLC's 18-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.
NCLC Reports, Bankruptcy and Foreclosures Edition
