Loss Mitigation Tax Returns

LOSS MITIGATION FINANCIAL DOCUMENTATION REQUIRED CHECKLIST

Please note that the information requested below is for the applicants and all obligors of the mortgage debt, where applicable: Gregory Funding Loss Mitigation Application, completed, signed and dated by all applicants and all persons liable to repay the mortgage (“obligors”).

Hardship Letter with reason for delinquency, approximate dates and duration of hardship, signed and dated by the applicant(s).

Death Certificate, when one or more borrowers on the loan is deceased. Divorce Decree, when a borrower on the loan has obtained a divorce. Quit Claim Deed (or other applicable deed), when ownership of property securing the loan was transferred by a deed.

Successor in Interest Acknowledgment, when a Successor in Interest is seeking to retain the property with loss mitigation assistance.

IRS Form W 9, for Successors in Interest

Required income documentation:

Last one (1) year of signed and filed tax returns with ALL schedules for all applicants and obligors, signed and dated.

If tax returns have not been filed, provide Proof of Extension or explanation as to why taxes were not filed. If a pay card is used for deposits from employment or benefits, please submit the two most recent months of transaction history of pay card.

If Wage Earner:

Two (2) most recent pay stubs (must show the most recent two (2) pay stubs reflecting 30 days of income, employer name and year to date earnings).

Most recent one (1) year of IRS Form W 2s, including Form 1099 (if applicable), from all places of employment for all applicants and obligors.

Most recent two (2) months of bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors (Transaction history in lieu of a Bank Statement is insufficient).

If Self Employed:

Most recent six (6) months business and two (2) months personal bank statements for ALL BANK ACCOUNTS

(checking and savings) with ALL PAGES, for all applicants and obligors (Transaction history in lieu of a Bank Statement is insufficient).

Most recent Quarterly or Year to Date Profit & Loss Statement.

If receiving Government/Pension Income:

Provide benefits letter(s) from all grantors (Retirement, disability, SSI, unemployment, etc.). Most recent two (2) months of bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors (Transaction history in lieu of a Bank Statement is insufficient) proving receipt of any/all of the above income.

If other sources of income: (rental/investment properties, child support/alimony*, etc.) Lease or Rental Agreements (must be claimed on Schedule E to consider as income), signed and dated by both parties.

Most recent two (2) months bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors (Transaction history in lieu of a Bank Statement is insufficient). Mortgage statement for each active mortgage for all properties owned (rented or not), including 2nd mortgage(s).

*Child support, alimony and maintenance payments need not be disclosed if you do not choose to have it considered for repaying your mortgage debt.

Most recent utility bill reflecting obligor name & address. Proof of homeowner’s insurance (must obtain and pay premium for six (6) months or show proof of an established payment plan) including a declaration page that reflects the following: Mortgagee Clause of:

Gregory Funding

ISAOA/ATIMA

Loan #

P.O. Box 692402

San Antonio, TX 78269 2402

For all contributing household members (non obligors): For income types above of Wage Earner and Government/Pension Income: see document requirements above. A contribution letter stating the amount of monthly contribution to the household, signed and dated by the contributor.

If Self Employed, ALL PAGES of most recent six (s) months bank statements ONLY Short sale documentation:

If requesting approval for a Short Sale, provide the following documentation: Proof that the property was listed on the Multiple Listing Service (MLS) at fair market value for a minimum of 14 days

Lock box access/Showing history during listing period may be requested

Offer history may be requested

Marketing plan may be requested

Contact information for agent who will coordinate access for third party interior valuation Third Party Authorization for Realtor(s)

Sales contract

Estimated HUD 1

Listing agreement

Copy of all recorded judgments or liens attached to the property (if applicable) Most recent HOA statement, including a breakdown of all fees and costs, if funds are to be advanced through the short sale

Interior valuation report(s) as required, prepared by our representative (you must grant access to the interior of your property to complete the valuation of the home) If you have any questions or concerns, contact our Customer Service Representatives at 1-866-***-****, Monday through Friday between the hours of 6:30 am – 6:00 pm PT.

IF THE PACKAGE YOU SEND IS NOT COMPLETE, YOUR REQUEST CANNOT BE PROCESSED

INCLUDE YOUR LOAN NUMBER ON ALL PAGES

CHECK OFF EACH ITEM PROVIDED

Submit all the above as soon as possible using one of the methods below and include your loan number on all pages: Upload: Register or log into your account at https://gregoryfunding.com/login & click on Upload Documents Email: *****************@**************.***

Fax: 866-***-****, Attn: Loss Mitigation

Mail: Gregory Funding, Attn: Loss Mitigation, PO Box 230579, Tigard, OR 97281 0579 BORROWER ASSISTANCE FORM

If you are experiencing a temporary or long term hardship and need help, you must complete and submit this form along with other required documentation to be considered for available solutions. On this page, you must disclose information about (1) you and your intentions to either keep or transition out of your home; (2) the property’s status; (3) real estate taxes; (4) homeowner’s insurance premiums; (5) bankruptcy; (6) your credit counseling agency, and (7) other liens, if any, on your property. On Page 2 you must disclose information about all of your income, expenses and assets. Page 2 also lists the required income documentation that you must submit in support of your request for assistance. On Page 3, you must complete the Hardship Affidavit in which you disclose the nature of your hardship. The Hardship Affidavit informs you of the required documentation that you must submit in support of your hardship claim. NOTICE: In addition, when you sign and date this form, you will make important certifications, representations and agreements, including certifying that all of the information in this Borrower Assistance Form is accurate and truthful and any identified hardship has contributed to your submission of this request for mortgage relief. REMINDER: The Borrower Response Package you need to return consists of: (1) this completed, signed and dated Borrower Assistance Form; (2) required income documentation, and (3) required hardship documentation. Loan I.D. Number (usually found on your monthly mortgage statement) I want to: Keep the property Sell the property Deed the property to lien holder The property is currently: My Primary Residence A Second Home An Investment Property Provide verification of occupancy (i.e. cable/cell phone bill) The property is currently: Owner Occupied Renter Occupied Vacant BORROWER CO BORROWER

BORROWER’S NAME CO BORROWER’S NAME

SOCIAL SECURITY NUMBER DATE OF BIRTH SOCIAL SECURITY NUMBER DATE OF BIRTH HOME PHONE NUMBER WITH AREA CODE HOME PHONE NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE Gregory Funding is authorized to call this cell phone number for loss mitigation efforts Yes No

Gregory Funding is authorized to call this cell phone number for loss mitigation efforts Yes No

BEST TIME TO CALL BEST PHONE NUMBER TO CALL

MAILING ADDRESS

PROPERTY ADDRESS (IF SAME AS MAILING ADDRESS, WRITE SAME) Estimated value: $

Is the property listed for sale? Yes No

If yes, what was the listing date? Listing Price? $ If property has been listed for sale, have you received an offer on the property? Yes No

Date of offer: Amount of Offer: $

Agent’s Name:

Agent’s Phone Number:

For Sale by Owner? Yes No

Have you contacted a credit counseling agency for help?

Yes No If yes, please complete the counselor contact information below:

Agency’s Name:

Counselor Name:

Counselor Phone Number:

Counselor Email Address:

Do you have condominium or homeowner association (HOA) fees? Yes No Total monthly amount: $ Past due amount (if any) $ Name and address that fees are paid to:

Have you filed for bankruptcy? Yes No Bankruptcy Case Number: If yes: Chapter 7 Chapter 13 Filing Date: If Chapter 13 Trustee payment$: Has the bankruptcy been discharged? Yes No

Does this amount include Mortgage Payment Yes No BORROWER ASSISTANCE FORM

Monthly Household

Income

Monthly Household Debt

Household Assets (associated

with the property and/or

borrower(s)

Monthly Household

Expenses

Monthly Gross wages:

$

First Mortgage Payment:

$

Checking Account(s):

$

Food:

$

Overtime:

$

Second Mortgage Payment:

$

Checking Account(s):

$

Water / Gas / Electric:

$

Child Support/ Alimony*:

$

Homeowner’s Insurance:

$

Savings / Money Market:

$

Transportation/Gas/Maint:

$

Non taxable social security/SSDI:

$

Property Taxes:

$

CDs:

$

Child Care:

$

Taxable SS benefits or other

monthly income from annuities or

retirement plans:

$

Credit Cards / Installment Loan(s)

(total minimum payment per

month):

$

Stocks / Bonds:

$

Life / Auto Insurance:

$

Tips, commissions, bonus and self

employed income:

$

Alimony, child support payments:

$

Other Cash on Hand:

$

Cable / Satellite:

$

Rents Received:

$

Car Lease Payments:

$

Other Real Estate (est. value):

$

Religious / Charity:

$

Unemployment Income:

$

HOA/Condo Fees/Property

Maintenance:

$

401K / 403B / IRA:

$

MISC Expenses:

$

Food Stamps/ Welfare:

$

Mortgage Payments on other

properties:

$

Other

$

Other

$

Other

$

Other

$

Other

$

Other

$

Total Gross Income:

$

Total Debt:

$

Total Assets:

$

Total Expenses:

$

*Notice: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.

Lien Holder’s Name Balance / Interest Rate Loan Number BORROWER ASSISTANCE FORM

HARDSHIP AFFIDAVIT

I am requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage relief options.

Date Hardship Began is: Date Hardship Ended:

I believe that my situation is: Short term (under 6 months)

Medium term (6 – 12 months)

Long term of Permanent Hardship (greater than 12 months)

(For the below hardships, provide a detailed written explanation with this request describing the specific nature of your hardship(s) along with accompanying start and end dates) Please check all that apply

Unemployment Long term or permanent disability; Serious illness of a borrower/co borrower or dependent family member

Underemployment Disaster (natural or man made) adversely impacting the property or Borrower’s place of employment

Income reduction (e.g., elimination of

overtime, reduction in regular working hours,

or a reduction in base pay)

Business Failure

In addition to the Hardship Affidavit denoted above, please provide these additional documents for the below Hardships Please check all that apply

Divorce or legal separation; Separation of

Borrowers unrelated by marriage, civil union

or similar domestic partnership under

applicable law

Divorce decree signed by the court; OR

Separation agreement signed by the court; OR

Current credit report evidencing divorce, separation, or non occupying borrower has a different address; OR

Recorded quitclaim deed evidencing that the non occupying Borrower or co Borrower has relinquished all rights to the property

Death of a borrower or death of either the

primary or secondary wage earner in the

household

Death certificate; OR

Obituary or newspaper article reporting the death

Distant employment transfer Documentation from employer including effective date of transfer Required Income Documentation

Last one (1) year of signed and filed tax returns with ALL schedules for all applicants and obligors, signed and dated.

If tax returns have not been filed, provide Proof of Extension or explanation as to why taxes were not filed.

If a pay card is used for deposits from employment or benefits, please submit the two most recent months of transaction history of pay card. Wage Earner:

Two (2) most recent pay stubs (must show the most recent two (2) pay stubs reflecting 30 days of income, employer name and year to date earnings).

Most recent one (1) year of IRS Form W 2s, including Form 1099 (if applicable), from all places of employment for all applicants and obligors.

Most recent two (2) months of bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors

(Transaction history in lieu of a Bank Statement is insufficient).

Self Employed:

Most recent six (6) months business and two (2) months personal bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors (Transaction history in lieu of a Bank Statement is insufficient).

Most recent Quarterly or Year to Date Profit & Loss Statement. Receiving Government/Pension Income:

Provide benefits letter(s) from all grantors (Retirement, disability, SSI, unemployment, etc.)

Most recent two (2) months of bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors

(Transaction history in lieu of a Bank Statement is insufficient). Other Sources of Income:

Lease or Rental Agreements (must be claimed on Schedule E to consider as income), signed and dated by both parties.

Most recent two (2) months of bank statements for ALL BANK ACCOUNTS (checking and savings) with ALL PAGES, for all applicants and obligors

(Transaction history in lieu of a Bank Statement is insufficient).

Mortgage statement for each active mortgage for all properties owned (rented or not), including 2nd mortgage(s). Notice:

Child support, alimony and maintenance payments need not be disclosed if you do not choose to have it considered for repaying your mortgage debt. Borrower/Co Borrower Acknowledgement and Agreement 1. I certify that all of the information in this Borrower Assistance Form 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, owner or guarantor of my mortgage, or their agent(s) 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 the Servicer to obtain my current credit report and a current credit report on all other borrowers obligated on the Note.

4. I understand that if I have intentionally defaulted on the existing mortgage, engaged in fraud or misrepresented any fact(s) in connection with this request for mortgage relief, or if I do not provide all required documentation, the Servicer may cancel any mortgage relief granted and may pursue foreclosure on my home and/or pursue any available legal remedies.

5. I certify that my property has not received 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 this information 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. If I am eligible for a trial period plan, repayment plan, or forbearance plan, and I accept and agree to all terms of such plan, I also agree that the terms of this Acknowledgment and Agreement are incorporated into such plan by reference as if set forth in such plan in full. The first timely payment following the Servicer’s determination and notification of eligibility or prequalification for a trial period plan, repayment plan, or forbearance plan (when applicable) will serve as acceptance of the terms set forth in the notice sent to me that sets forth the terms and conditions of the trial period plan, repayment plan, or forbearance plan. 9. I agree that when the Servicer accepts and posts a payment during the term of any repayment plan, trial period plan, or forbearance plan it will be without prejudice to, and will not be deemed a waiver of, the acceleration of the loan or of the foreclosure action or of any related activities, and shall not constitute a cure of the related default unless such payments are sufficient to completely cure such default. 10. I agree that any prior waiver as to my payment of escrow items to the Servicer in connection with the loan has been revoked.

11. If I qualify for and enter into a repayment plan, forbearance plan, and trial period plan, I agree to the establishment of an escrow account and the payment of escrow items if an escrow account never existed on the loan. 12. I understand that the Servicer will collect and record personal information that I submit in this application for mortgage assistance and during the evaluation process, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, 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 relief or foreclosure alternative that I receive to any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services the first lien or subordinate lien (if applicable) mortgage loan(s) or to any HUD certified housing counselor.

13. If I was previously deemed eligible for foreclosure prevention relief under the federal Making Home Affordable Program, I understand and consent to the disclosure of my personal information and the terms of any Making Home Affordable Agreement by the Servicer to (a) the U.S. Department of the Treasury, (b) Fannie Mae and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan, and (c) companies that perform support services in conjunction with Making Home Affordable. 14. I consent to being contacted concerning this request for mortgage assistance at any cellular or mobile telephone number I have provided to the Servicer.

15. I understand that Gregory Funding is a debt collector, and information I provide may be used to collect a debt. However, if I file or have filed for bankruptcy, I understand that Gregory Funding will fully respect any applicable automatic stay, modification or discharge, and in such case I am providing this Borrower Assistance Form for information purposes only. Further, if the debt related to my mortgage loan has been discharged through bankruptcy, I understand that Gregory Funding may exercise in rem rights against the property as allowed under applicable law and will not attempt any act to collect, recover or offset the discharged debt as my personal liability. Borrower Signature Date Co Borrower Signature Date BORROWER ASSISTANCE FORM

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