MORTGAGE ASSISTANCE APPLICATION

We understand that financial circumstances may change from time to time, affecting your ability to meet your obligations.

We Are Here to Help — Call Us at 1-800-306-6062

Let us work with you to understand the issues affecting your mortgage payments. We’ll explore what assistance available to
you and discuss the forms and documentation needed to determine if you qualify for a mortgage relief.

Options May Be Available

The right option for you depends on your individual circumstances. When you provide the required information and
documentation about your situation, we can determine if you qualify for temporary or long-term mortgage relief options.
Review the Information on Mortgage Relief Options Available page for an overview of these options.

Additional Assistance
For help exploring your options, the Federal government provides contact information for housing counselors, can access by
contacting the Consumer Financial Protection Bureau at www.consumerfinance.gov/mortgagehelp, Department of Housing
and Urban Development (“HUD”) at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or by calling 1-800-569-4287

Remember, you need to take action by calling us at 1-800-306-6062 right away—or get started by completing and returning
the Request for Mortgage Assistance (RMA) form along with other required documents as they pertain to your specific
situation to us at:

Mail Fax Email Web

6200 S Quebec St. 1-877-875-0981 [email protected] www.sls.net
Greenwood Village, CO (Page limit per transmission (Size limit per email
80111 is 25 pages) is 20MB)

If you have any questions regarding this information, please contact Customer Assistance toll free at 1-800-306-6062,
Monday through Friday, 6:00 a.m. until 7:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing
impaired borrowers.

Sincerely,

Specialized Loan Servicing LLC

PLEASE SEE IMPORTANT DISCLOSURES ON THE FOLLOWING PAGE

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

SPECIALIZED LOAN SERVICING LLC IS REQUIRED BY FEDERAL LAW TO ADVISE YOU THAT THIS
COMMUNICATION IS FROM A DEBT COLLECTOR.

Bankruptcy Notice – If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this
debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither
a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such
debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the
United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral
property, which has not been discharged in your bankruptcy. If you have questions, please contact us at 1-800-306-6057

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a
binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the
applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that
administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, 1700 G Street
NW., Washington DC, 20552

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

Servicemembers Civil Rights Act Notice

Legal Rights and Protections Under the SCRA

Servicemembers on "active duty" or "active service," or a spouse or dependent of such a servicemember may be entitled to
certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act (50 USC §§ 3901- 4043) (SCRA).

Who may be entitled to legal protections under the SCRA?

› Regular members of the U.S. Armed Forces (Army, Navy, Air Force Marine Corps and Coast Guard).
› Reserve and National Guard personnel who have been activated and are on Federal active duty National Guard
personnel under a call or order to active duty for more than 30 consecutive days under section 502(f) of title 32,
United States Code, for purposes of responding to a national emergency declared by the President and supported by
Federal funds
› Active service members of the commissioned corps of the Public Health Service and the National Oceanic and
Atmospheric Administration.
› Certain United States citizens serving with the armed forces of a nation with which the United States is allied in the
prosecution of a war or military action.

What legal protections are servicemembers entitled to under the SCRA?

› The SCRA states that a debt incurred by a servicemember, or servicemember and spouse jointly, prior to entering
military service shall not bear interest at a rate above 6 % during the period of military service and one year
thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature
of a mortgage, or during the period of military service in the case of any other obligation or liability.
› The SCRA states that in a legal action to enforce a debt against real estate that is filed during, or within one year after
the servicemember's military service, a court may stop the proceedings for a period of time, or adjust the debt. In
addition, the sale, foreclosure, or seizure of real estate shall not be valid if it occurs during or within one year after the
servicemember's military service unless the creditor has obtained a valid court order approving the sale, foreclosure, or
seizure of the real estate.
› The SCRA contains many other protections besides those applicable to home loans.

How does a servicemember or dependent request relief under the SCRA?

› In order to request relief under the SCRA from loans with interest rates above 6% a servicemember or spouse must
provide a written request to the lender, together with a copy of the servicemember's military orders to SLS at 6200
S. Quebec St., Greenwood Village, CO 80111.
› There is no requirement under the SCRA, however, for a servicemember to provide a written notice or a copy of a
servicemember's military orders to the lender in connection with a foreclosure or other debt enforcement action
against real estate. Under these circumstances, lenders should inquire about the military status of a person by
searching the Department of Defense's Defense Manpower Data Center's website, contacting the servicemember, and
examining their files for indicia of military service. Although there is no requirement for servicemembers to alert the
lender of their military status in these situations, it still is a good idea for the servicemember to do so.

How does a servicemember or dependent obtain information about the SCRA?

› Servicemembers and dependents with questions about the SCRA should contact their unit's Judge Advocate, or their
installation's Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is
available at http://legalassistance.law.e.mil/content/locator.php
› "Military OneSource" is the U. S. Department of Defense's information resource. If you are listed as
entitled to legal protections under the SCRA (see above), please go to www.militaryonesource.mil/legal
or call 1-800-342-9647 (toll free from the United States) to find out more information. Dialing
instructions for areas outside the United States are provided on the website.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

Mortgage Assistance Application Checklist

Get Started – Use this checklist to ensure you have completed all required forms and have the right information.

1 Review the information provided to help you understand your options, responsibilities and next steps.

› Information on options available

› Frequently asked questions

2 Complete and sign the enclosed Request for Mortgage Assistance (RMA).
Form must be signed by all borrowers on the mortgage and must include:
› Your preferred intent with the property (i.e. Retain the property, Sell the property or Deed the property back)
› All income, expenses, and asset for each contributing borrower and non-borrower contributor(s)
› An explanation of financial hardship that makes it difficult to pay the mortgage
› Your acknowledgement and agreement that all the information your provide is true and accurate

3 Provide required income documents.

This documentation will be used to verify your hardship and all of your income.

› Proof of Income must be provided for all borrowers

› Proof of Income from a household member who is not on the promissory note (non-borrower contributor), such as a
relative, spouse, domestic partner, or fiancé who occupies the property as a primary residence
› If you elect to disclose and rely upon this income to qualify, the required income documentation is the same as the
income documentation required for a borrower in addition to the credit authorization form included in the Request
for Mortgage Assistance form.
› Follow the instructions set forth in Section 5 of the Request for Mortgage Assistance form (attached)
› Write your loan number on all pages, if it is not already listed, to aid in identifying your documents

4 Provide required hardship documentation. This documentation will be used to verify your hardship.

› Follow the instructions set forth in the Request for Mortgage Assistance form
› Write your loan number on all pages if it is not already listed to aid in identifying your documents

5 Send your completed application package.

Send all required documentation listed in steps 2-4, as well as summarized below:

› Complete Request for Mortgage Assistance form

› Income Documentation for each borrower and non-borrower contributor as outlined in the Request for Mortgage
Assistance form
› Hardship Documentation as outlined in the Request for Mortgage Assistance form
› Completed 4506T form

IMPORTANT INFORMATION:
› If you cannot provide the documentation, have other types of income not specified on the RMA, cannot locate some or
all of the required documents, or if you have any questions regarding this information, please contact our Customer
Resolution Department toll free at 1-800-306-6059, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. We accept
calls from relay services on behalf of hearing impaired borrowers.
› You do not need to send original income or hardship documents. Copies are acceptable.
› Upon receipt of your complete application, SLS will utilize the intent you’ve noted in your Request for Mortgage Assistance
form to determine which program we will evaluate you for first. However, SLS will perform an evaluation to determine
your eligibility of all available programs offered by your investor. The results of our evaluation will be communicated to
you in a decision letter.
› SLS encourages you to consider contacting other servicers of loans secured by the same property to discuss loss
mitigation options.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

Information on Mortgage Relief Options Available

The variety of options summarized below may help you keep your home. For example, you may be eligible to modify your
mortgage, lowering your monthly payment to make it more affordable. Contact us to determine if you qualify.

Depending on your circumstances, staying in your home may not be possible. In this case, a short sale or deed-in-lieu may
be alternative options – see the table below for more information.

Options to keep
Overview Benefit
the property
Reinstatement Pay the total amount you owe, in a lump sum Allows you to bring your mortgage current if you
payment and by a specific date. This may follow can show you have funds that will become
a forbearance plan as described below available at a specific date in the future.
Repayment Plan Pay back your past-due payments together with Allows you time to catch up on late payments
your regular payments over an extended period without having to come up with a lump sum.
of time.
Forbearance Plan Make reduced mortgage payments or no Gives you time to improve your financial
mortgage payments for a specific period of time. situation and possibly qualify for a better option
than would be available right now.
Modification Receive modified mortgage terms to make it Permanently modifies your mortgage so that
more affordable or manageable after your payments or terms are more manageable
successfully making payments during a “trial as a permanent solution to a long-term or
period” (e.g., completing a three month trial permanent hardship.
period plan) that requires payment of the
approximate amount of the modified payment.
Options to leave
Overview Benefit
the property
Short Sale Sell your home and pay off a portion of your Allows you to transition out of your home
mortgage balance when you owe more on the without going through foreclosure. In some
home than it is worth. cases, relocation assistance may be available.
Deed-in-Lieu Transfer the ownership of your property to us. Allows you to transition out of your home
without going through foreclosure. In some
cases, relocation assistance may be available.

We Want to Help
Take action to gain peace of mind and control of your housing situation. Call us at 1-800-306-6059 and we’ll talk
about available options and help you understand the forms and documents we need from you to determine if you
qualify for an option.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

Frequently Asked Questions

Q: Why did I receive this package?

A: You received this package because we have not received one or more of your monthly mortgage payments and want to
help find a mortgage relief option or you have requested information on obtaining assistance. 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.

Q: Will it cost money to get help?

A: There should never be a fee from your lender or qualified counselor to obtain assistance or information about mortgage
relief 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.

Q: What happens once I have sent the Request for Mortgage Assistance to you?
A: Within five business days of receipt of your request, we will send you a notice acknowledging receipt of the request and
notifying you whether the application is complete or incomplete. If the application is incomplete, we will provide a list of
any missing information or documentation that you must still submit. We cannot guarantee that you will receive any (or
a particular type of) assistance.

Within 30 days of receipt of a complete Request for Mortgage Assistance and all supporting documentation, we will let
you know which mortgage relief options, if any, are available to you and will inform you of your next steps to accept our
offer. However, if you submit your complete Request for Mortgage Assistance less than 37 days prior to a scheduled
foreclosure sale date, we will strive to process your request as quickly as possible, but you may not receive a notice of
incompleteness or a decision on your request prior to sale. Please submit your Request for Mortgage Assistance
Package as soon as possible.

Q: Will the foreclosure process begin if I do not respond to this letter?

A: If we do not receive a complete application and you have missed four monthly payments or there is reason to believe
the property is vacant or abandoned, we may refer your mortgage to foreclosure as permitted by applicable law and/ or
investor guidelines.

Q: What if my property is scheduled for a foreclosure sale in the future?

A: If this is your first review or, if pursuant to state law, you have had a qualifying change in circumstance, and you submit
a complete loss mitigation application and SLS has not made a first notice or filing required by applicable law for any
judicial or non- judicial foreclosure process SLS will not initiate foreclosure proceedings, as permitted by applicable law
or investor guidelines.

If this is your first review or, if pursuant to state law you have had a qualifying change in circumstance, and you submit
a complete loss mitigation application after a SLS has made the first notice or filing required by applicable law for any
judicial or non- judicial foreclosure process but more than 37 days before a foreclosure sale, SLS will not move for
foreclosure judgment or order of sale, or conduct a foreclosure sale, as permitted by applicable law or investor
guidelines.

As permitted by applicable law or investor guidelines, if SLS has already moved for a foreclosure judgment or order of
sale prior to receiving a completed application but more than 37 days before a foreclosure sale, SLS will take reasonable

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

steps, such as requesting the court delay the consideration of the motion, to avoid a ruling on such a motion until SLS
has completed the loss mitigation evaluation, however, there is no guarantee that we will be able to postpone a
scheduled sale.

Q: Will my property be sold at a foreclosure sale if I accept a mortgage relief option?

A: No. If you are approved for a mortgage relief option and accept, any foreclosure sale will not occur if you continue to
honor the terms of the Agreement. However, if you fail to comply with the terms of the Agreement and do not make
other arrangements with us, your loan will be enforced according to its original terms. In addition, if you are currently in
a bankruptcy proceeding, approval of mortgage relief option alternative for which you may be eligible is contingent on
approval of the bankruptcy court in your bankruptcy case.

Q: Will my credit score be affected by my late payments or being in default?

A: The delinquency status of your loan will be reported to credit reporting agencies as well as your entry into a Repayment
Plan, Forbearance Plan, or Trial Period Plan in accordance with the requirements of the Fair Credit Reporting Act and
the Consumer Data Industry Association requirements.

Q: Will my credit score be affected if I accept a foreclosure prevention option?

A: While the impact on your credit will depend on your individual credit history, credit scoring companies generally would
consider entering into a plan with reduced payments as increasing your credit risk. As a result, entering into a plan with
reduced payments may adversely affect your credit score, particularly if you are current on your mortgage or otherwise
have a good credit score.

Q: Is foreclosure prevention counseling available?

A: Yes, HUD-approved counselors are available to provide you with the information and assistance you may need to avoid
foreclosure. You can use the search tool at http://www.hud.gov/offices/hsg/sfh/hcc/fc/ to find a counselor near you.

This Document is for your reference only. Do not return with your application package.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

Government Assistance May Be Available

As part of the Hardest Hit Fund SM, the U.S. Treasury Department has implemented programs which may help preserve
homeownership for some United States homeowners. If you live in one of the following states you may be eligible for
assistance:

State Agency Phone Number Agency Website

Alabama (877) 497.8182 www.hardesthitalabama.com
Arizona (877) 448.1211 www.savemyhomeaz.gov
California (888) 954.5337 www.keepyourhomecalifornia.org
District of Columbia (202) 777.1690 www.homesaverdc.org
Florida (877) 863.5244 www.flhardesthithelp.org
Georgia (888) 946.6723 www.homesafegeorgia.com
Illinois (855) 873.7405 www.illinoishardesthit.com
Indiana (877) 498.4673 www.877gethope.org
Kentucky (800) 633.8896 www.protectmykyhome.org
Michigan (866) 946.7432 www.stepforwardmichigan.org
Mississippi N/A (Visit Website) www.mshomesaver.com
North Carolina (888) 623.8631 www.ncforeclosureprevention.gov
New Jersey N/A (Visit Website) www.njhomekeeper.gov
Nevada (855) 428.4997 www.nevadahardesthitfunds.org
Ohio (888) 404.4674 www.savethedream.ohio.gov
Oregon (503) 986.2025 www.oregonhomeownerhelp.org
Rhode Island (401) 277.1500 www.hhfri.org
South Carolina N/A (Visit Website) www.scmortgagehelp.net
Tennessee (855) 890.8073 www.keepmytnhome.org

What Should You Do Now?

› Find out if you qualify for one of these programs by contacting your local Hardest Hit Fund Housing Agency
› Once you have established an action plan with a Hardest Hit Fund representative you should contact Specialized Loan
Servicing LLC to reach a joint resolution.

Please be advised that all HHF contact information has been obtained directly from the HHF housing authority and may be
subject to change based on state program updates.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
MORTGAGE ASSISTANCE APPLICATION

This is not an offer to extend credit. Program subject to conditions and eligibility requirements. Offer invalid if your loan is
sold prior to satisfaction of the debt. Calls will be monitored and recorded for quality assurance purposes. If you do not wish
for your call to be recorded, please notify the Customer Assistance Associate when calling.

You may have received documents from SLS concerning a home mortgage loan modification. The purpose of this solicitation
is to offer you another option with respect to your loan, if you qualify; however it is not meant to take the place of the loan
modification option, if applicable.

This Document is for your reference only. Do not return with your application package.

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

If you are experiencing a financial hardship and need help, you must complete and submit this form along with other required documentation to be considered. You must
provide information about yourself and your intentions to either keep or transition out of your property; a description of the hardship that prevents you from paying your
mortgage(s); information about all of your income, expenses and financial assets; whether you have declared bankruptcy; and information about the mortgage(s) on your
principal residence and other single family real estate that you own. When you sign and date this form, you will make important certifications, representations
and agreements, including certifying that all of the information in this form is accurate and truthful.

On this page, you must disclose information about your intentions to either keep or transition out of your home; Primary Borrower and
Co-Borrower information; Bankruptcy, SCRA, and credit counseling agency information.

SECTION 1: PROPERTY INFORMATION

My intent with the property is: ☐ Keep the property ☐ Sell the property ☐ Deed the property back ☐ Short payoff ☐ I don’t know
NOTE: SLS will perform an evaluation to determine your eligibility for all available programs offered by your investor.
The property is currently: ☐ My primary residence ☐ A second home ☐ An investment property
The property is currently: ☐Owner occupied ☐Renter occupied ☐ Vacant
Do you have a change in circumstance resulting from an increase or decrease in compensation? ☐ No ☐Yes

SECTION 2: BORROWER INFORMATION

Primary 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

Subject property address (Address requesting assistance for) Subject property address (Address requesting assistance for)

Primary residence address Primary residence address

Mailing address (If different than primary residence) Mailing address (If different than primary residence)

Employer name Employer name

Borrower hire date Co-Borrower hire date

/ / / /

SECTION 3: BANKRUPTCY, SCRA, AND CREDIT COUNSELING

Has any Borrower filed for bankruptcy? ☐Yes ☐ No Is any Borrower a Service member? ☐Yes ☐ No
☐ Chapter 7 ☐ Chapter 11 ☐ Chapter 12 ☐ Chapter Is any Borrower receiving hostile pay? ☐Yes ☐ No
Filing date: / / Case Number: Have you recently been deployed away from your principal residence or
recently received a permanent change of station order? ☐Yes ☐No

Is any borrower the surviving spouse of a deceased service member

Has your bankruptcy been discharged? ☐ Yes ☐ No who was on active duty at the time of death? ☐Yes ☐ No
Have you contacted a credit counseling agency for help? ☐Yes ☐ No
Counselors Name: Counselors Phone Number: - -

Agency's Name: Counselors Email Address:

Has the mortgage on your principal residence ever had a Home Affordable Modification Program (HAMP) trial period plan or other permanent
modification? ☐Yes ☐ No
Has any property that you or any Co-Borrower own had a permanent HAMP modification? ☐Yes ☐ No If "Yes", how many:

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

On this page, you must disclose information about your income, expenses, and household assets. Non-Borrower contributors
(Individuals who reside in the property and contribute to household expenses, but is not listed in the promissory note) need to list their
income and sign the credit authorization at the bottom.

SECTION 4: BORROWER, CO-BORROWER, AND NON-BORROWER INCOME, EXPENSES, AND DEBITS

 In the first column write in the names of the individuals who contribute to the household income
 In the second column write in your role on the mortgage, Example – Primary Borrower
 In the third and fourth columns use the table below as a guide to fill out the Income Type and Income Source sections
 In the fifth column write in the gross income
 In the sixth column write in the hire or start date that the income began
 In the seventh column write in how many months do you get paid per year, Example – Some teachers get paid 9 months per year
Income Type Income Source Income Type Income Source
Alimony Court Documents Rental Income Property Address
Boarder Income Property Address Self-Employment Name of Business
Child Support Court Order Documents Settlement Issuers Name
Death Benefit US Department of Labor Social Security US Department of Treasury
Insurance Policy Insurance Company Name Unemployment Income US Department of Labor
Department of Veterans
Pension Company Name Veterans Administration Income Administration

Retirement Company Name

Wages Name of Employer

Example Colorado Department of

Public Assistance
Human Services

Primary Borrower, Hire Date # Months

Employer Name or Monthly Gross
Name Co-Borrower, Non- Income Type or Start Paid Per
Income Source Income Amount
Borrower Contributor Date Year

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

Monthly Household Expenses

Liabilities Additional Living Costs
1st mortgage principal and Primary Residence
$ $ Medical $ Food $
interest (Subject property) Expense (If not subject)
2nd mortgage principal and Utilities/Cable
$ Alimony $ Tuition / School $ $
interest (Subject property) /Internet /Phone

Property taxes $ Child support $ Car insurance $ Life Insurance $

HOA/Condo/Co-op fees $ Auto payments / Lease $ Auto Expenses $ Clothing $

Mortgage payments on other Credit Cards / Dependent Property
$ $ $ $
properties Installment loans Expense maintenance

Other Liabilities: $ Other Living: $

Total Expenses $

Number of people living in the household: #

Household Assets
Checking Account(s) $ Stocks/Bonds Other $
$

Checking Account(s) $ CDs Other $

$
Savings/Money Value of all Real Estate
$ Total Assets $
Market except Principal Residence $

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

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

This page lists the required income documentation that you must submit with this form in support of your request for assistance.
Additionally, you must disclose ownership in any other properties owned by the Borrower and Co-Borrower.

SECTION 5: REQUIRED INCOME DOCUMENTATION

Provide for each Borrower as applicable
 Completed, signed and dated Request for Mortgage Assistance form
Core documents
 Signed and dated 4506-T or most recent, signed, and complete tax returns
(All income types)
 Last 2 months’ worth of bank statements
Salary or hourly wage  30 days’ or 4 weeks’ worth of consecutive paystubs with year to date income.
 Most recent, signed, and dated quarterly (at least 3 months) or YTD profit and loss
Self-employed income
 Business Tax Returns with all schedules
 Mortgage statement for rental property and primary residence
 Lease agreement for rental property
Rental income
 2 most recent Bank statements with rental income identified
 Most recent, signed, and complete individual Tax return with Schedule E
 Award letter
Benefit income
 2 most recent Bank statements with benefit income identified
Alimony or child support  Divorce decree
*See notice below*  Bank statement with alimony / child support income identified
Unemployment income  Unemployment benefits statement
 Award letter / Statement of income
Other income
 2 most recent Bank statements with "other" income identified

REQUIRED SHORT SALE DOCUMENTATION

 The listing agreement must be signed and dated by the listing agent and seller. It must
Listing Agreement be valid and not expired at the time the contract is signed. The property must also be
listed on the MLS.
 The purchase contract must be signed and dated by all parties and must include verbiage
Short Sale Contract
that the closing will occur within 45 days or more of lender short sale approval.
 The estimated HUD must include all closing costs including the net proceeds to SLS. If
Estimated Settlement Statement
funds will be sent to a third party through the short sale (i.e. utilities, utility liens,
(HUD)
additional mortgage(s), other liens, HOA, etc.) we need documents to support the
With Proof of Third Party Payouts
balance due for each of them.
 The short sale affidavit must be signed and dated by all parties including buyer(s),
Short Sale Affidavit
seller(s), buyer’s agent, and seller’s agent.

SECTION 6: OTHER PROPERTIES OWNED

Property Address Gross Monthly Insurance,
Property is: Net rental Loan Servicer’s
(Enter “V” for vacant, “S” for second home, monthly mortgage taxes, HOA:
(V,S,R,or P) income name
“R” for rented, or “P” for primary) rent: payment: misc.
$ $ $ $ $

$ $ $ $ $

$ $ $ $ $

Totals $ $ $ $ $

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

6200 S. Quebec St., Greenwood Village, CO 80111 | T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

This page lists the hardship affidavit which outlines the reason for your financial situation and the supporting documentation that is
required to be submitted with this form.

SECTION 7: HARDSHIP AFFIDAVIT

Date Hardship Began:

I believe my situation is: Short term (under 6 months) Medium term (6-12 months) Long term (Greater than 12months)

If your hardship is: Then the required hardship documentation is:

Unemployment  FHA/VA/USDA loans:

 • Unemployment – Third Party Documentation including receipts
Reduction in income of unemployment benefits; OR a signed affidavit stating the date
you become unemployed, and you are actively seeking and are
Increase in housing expense available for employment.
 • Reduction in income – Supporting documentation can be in the
form of W2’s, tax transcripts, verification of employment evidencing
prior income, and other similar documentation.
 • Increase in housing expenses - Supporting documentation can
be in the form of bank statements, medical bills, home repair bills,
and other similar documentation.
 Divorce Decree filed by the court; OR
 Separation agreement signed by the court; OR
Divorce or legal separation  Current credit reporting evidencing divorce or separation; OR
 Recorded quitclaim deed evidencing that non- occupying Borrower
has surrendered rights to property.
 Death certificate; OR
Death of a Borrower or death of either the primary or secondary
 Documentation identifying the executor of the Estate
wage earner in the household
 Proof of monthly insurance benefits or government assistance; OR
 Written statement or other documentation verifying disability or
Long-Term or permanent disability; serious illness of a Borrower/Co- illness; OR
Borrower or dependent family member  Doctor's certificate of illness or disability; OR
 Medical bills.

*None of the above shall require providing detailed medical information.

 Insurance claim; OR
Disaster (natural or man-made) adversely impacting the property or  Federal Emergency Management Agency grant or Small Business
Borrower's place of employment Administration loan; OR
 Borrower or Employer Property located in a federally declared
disaster area.
For active duty service members:
 Notice of permanent change of station {PCS) or actual PCS orders.

Distant employment transfer/relocation For employment transfers / new employment:

 Copy of signed offer letter or notice from employer showing
transfer of new employment location; OR
 Pay stub from new employer

*In addition to the above, documentation on the amount of relocation

assistance (not applicable to active military).

 Tax return the previous year (signed with all schedules); AND
 Proof of business failure supported by one of the following:
o Bankruptcy Filing for business; OR
Business Failure
o Two months of recent bank statements for the business
account evidencing cessation of business activity; OR
o Most recent signed and dated quarterly or year-to-date profit
and loss statement

Other: a hardship not covered above

Please list hardship reason:  Written and signed explanation detailing the hardship with
supporting documentation.

6200 S. Quebec St., Greenwood Village, CO 80111| T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

On this page, all Borrowers and Co-Borrowers (listed in the promissory note) who are in this form need to review and sign the
Borrower and Co-Borrower acknowledgment agreement.

6200 S. Quebec St., Greenwood Village, CO 80111| T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
REQUEST FOR MORTGAGE ASSISTANCE

SLS Loan Number:_

NON-BORROWER CONTRIBUTOR CREDIT REPORT AUTHORIZATION

SLS Account Number: #

Borrower Name(s) (please print):

I authorize Specialized Loan Servicing LLC, here out referred to as SLS, to obtain a consumer credit
report. SLS will use the consumer credit report to confirm my residency address and determine
whether my income is eligible to support a loan modification. Upon request, SLS will provide me with
the name and address of the Consumer Reporting Agency contacted to supply the report. I
understand that credit inquiries have the potential to impact my credit score.

X
Non-borrower Contributors Signature Date

Printed Name

Social Security #

X
Non-borrower Contributors Signature Date

Printed Name

6200 S. Quebec St., Greenwood Village, CO 80111| T 800 306 6062 | F 720 241 7218 | NMLS ID Main Office 2168 | NMLS Branch ID 972456
 Request for Transcript of Tax Return
Form 4506-T Do not sign this form unless all applicable lines have been completed.
(Rev. September 2015) Request may be rejected if the form is incomplete or illegible.
Department of the Treasury OMB No. 1545-1872
Internal Revenue Service For more information about Form 4506-T, visit www.irs.gov/form4506t.

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by
using our automated self-help service tools. Please visit us at IRS.gov and click on “Get a Tax Transcript...” under “Tools” or call 1-800-908-9946. If you
need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return, individual
taxpayer identification number, or employer
identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual taxpayer
identification number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)

4 Previous Address shown on the last return filed if different from line 3 (See instructions)

5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and
telephone number.
Specialized Loan Servicing LLC - Attn: Resolution Support - 1-800-306-6062 – 6200 S Quebec St. Greenwood Village, CO 80111
Fax: 877-875-0981

Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form
once you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party
listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose
your transcript information, you can specify this limitation in your written agreement with the third party.
6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form
number per request.
a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect
changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form
1065, Form 1120, Form 1120-A, Form 1120-H, Form 1120-L, and Form 1120S. Return transcripts are available for the current year and
returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . .
b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability
and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days. .
c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account
Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days . . . . . . . . .
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available
after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days. . .
8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data
from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this
transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS.
For example, W-2 information for 2011, filed in 2012, will likely not be available from the IRS until 2013. If you need W-2 information for
retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 10
business days. . . . . . . . .
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed
with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or
periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax
period separately.
/ / / / / / / /

Caution: Do not sign this form unless all applicable lines have been completed.
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more
shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I
certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note: For transcripts being sent to a third party, this form must be
received within 120 days of the signature date.
Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she Phone number of taxpayer on line
has the authority to sign the Form 4506-T. See instructions. or 2a

Signature (see instructions) Date

Sign
Here Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature Date

Section references are to the Internal Revenue officer. A bona fide shareholder of record owning 1
Chart for all other transcripts
Code unless otherwise noted. percent or more of the outstanding stock of the
If you lived in or corporation may submit a Form 4506-T but must provide
Future Developments your business Mail or fax to: was in: documentation to support the requester's right to receive
For the latest information about Form 4506-T and the information.
its instructions, go to www.irs.gov/form4506t. Alabama, Alaska, Partnerships. Generally, Form 4506-T can be signed
Information about any recent developments Arizona, Arkansas, by any person who was a member of the partnership
affecting Form 4506-T (such as legislation California, Colorado, during any part of the tax period requested on line 9.
enacted after we released it) will be posted on Florida, Hawaii, Idaho, Internal Revenue Service
that page. RAIVS Team All others. See section 6103(e) if the taxpayer has
Iowa, Kansas,
P.O. Box 9941 Mail died, is insolvent, is a dissolved corporation, or if a
Louisiana, Minnesota,
General Instructions Mississippi, Stop 6734 Ogden, trustee, guardian, executor, receiver, or administrator is
UT 84409 acting for the taxpayer.
Caution: Do not sign this form unless all Missouri, Montana,
Nebraska, Nevada, Note: If you are Heir at law, Next of kin, or Beneficiary
applicable lines have been completed.
New Mexico, you must be able to establish a material interest in the
Purpose of form. Use Form 4506-T to request tax North Dakota, estate or trust.
return information. You can also designate (on line Oklahoma, Oregon, South Documentation. For entities other than individuals,
5) a third party to receive the information. Dakota, Texas, Utah, 801-620-6922
you must attach the authorization document. For
Taxpayers using a tax year beginning in one Washington, Wyoming, a example, this could be the letter from the principal
calendar year and ending in the following year foreign country, or A.P.O. officer authorizing an employee of the corporation or
(fiscal tax year) must file Form 4506-T to request a or F.P.O. address the letters testamentary authorizing an individual to
return transcript.
act for an estate.
Note: If you are unsure of which type of transcript Connecticut, Delaware,
District of Columbia, Signature by a representative. A representative can
you need, request the Record of Account, as it
Georgia, Illinois, sign Form 4506-T for a taxpayer only if the taxpayer
provides the most detailed information.
Indiana, Kentucky, Internal Revenue Service has specifically delegated this authority to the
Tip. Use Form 4506, Request for Copy of Tax RAIVS Team representative on Form 2848, line 5. The
Maine, Maryland,
Return, to request copies of tax returns. P.O. Box 145500 representative must attach Form 2848 showing the
Massachusetts,
Automated transcript request. You can quickly Stop 2800 F delegation to Form 4506-T.
Michigan, New
Cincinnati, OH 45250
request transcripts by using our automated Hampshire, New
self-help service tools. Please visit us at IRS.gov Jersey, New York, Privacy Act and Paperwork Reduction Act Notice.
and click on “Get a Transcript…” under “Tools” or North Carolina, Ohio,
call 1-800-908-9946. Pennsylvania, Rhode We ask for the information on this form to establish your
Island, South Carolina, right to gain access to the requested tax information
Where to file. Mail or fax Form 4506-T to the
Tennessee, Vermont, under the Internal Revenue Code. We need this
address below for the state you lived in, or 859-669-3592
the state your business was in, when that Virginia, West Virginia, information to properly identify the tax information and
return was filed. There are two address Wisconsin respond to your request. You are not required to request
charts: one for individual transcripts (Form any transcript; if you do request a transcript, sections
1040 series and Form W-2) and one for all 6103 and 6109 and their regulations require you to
other transcripts. provide this information, including your SSN or EIN. If
If you are requesting more than one transcript or you do not provide this information, we may not be able
Line 1b. Enter your employer identification number
other product and the chart below shows two to process your request. Providing false or fraudulent
(EIN) if your request relates to a business return.
different addresses, send your request to the Otherwise, enter the first social security number information may subject you to penalties.
address based on the address of your most (SSN) or your individual taxpayer identification Routine uses of this information include giving it to the
recent return. number (ITIN) shown on the return. For example, if Department of Justice for civil and criminal litigation,
you are requesting Form 1040 that includes and cities, states, the District of Columbia, and U.S.
Chart for individual transcripts Schedule C (Form 1040), enter your SSN. commonwealths and possessions for use in
(Form 1040 series and Form W-2 Line 3. Enter your current address. If you use a administering their tax laws. We may also disclose
this information to other countries under a tax treaty,
and Form 1099) P. O. box, include it on this line.
to federal and state agencies to enforce federal
If you filed an Line 4. Enter the address shown on the last return nontax criminal laws, or to federal law enforcement
individual return Mail or fax to: filed if different from the address entered on line 3. and intelligence agencies to combat terrorism.
and lived in: Note: If the addresses on lines 3 and 4 are different You are not required to provide the information
and you have not changed your address with the IRS, requested on a form that is subject to the Paperwork
Alabama, Kentucky, file Form 8822, Change of Address. For a business Reduction Act unless the form displays a valid OMB
Louisiana, Mississippi, address, file Form 8822-B, Change of Address or control number. Books or records relating to a form or
Tennessee, Texas, a Internal Revenue Service Responsible Party—Business. its instructions must be retained as long as their
foreign country, American RAIVS Team
Line 6. Enter only one tax form number per request. contents may become material in the administration of
Samoa, Puerto Rico, Stop 6716 AUSC
Guam, the any Internal Revenue law. Generally, tax returns and
Austin, TX 73301 Signature and date. Form 4506-T must be signed
Commonwealth of the return information are confidential, as required by
and dated by the taxpayer listed online 1a or 2a. If you section 6103.
Northern Mariana Islands, completed line 5 requesting the information be sent to
the U.S. Virgin Islands, or 512-460-2272 a third party, the IRS must receive Form 4506-T within The time needed to complete and file Form 4506-T will
A.P.O. or F.P.O. address vary depending on individual circumstances. The
120 days of the date signed by the taxpayer or it will
estimated average time is:
Alaska, Arizona, Arkansas, be rejected.
California, Colorado, Learning about the law or the form, 10 min.;
Ensure that all applicable lines are completed Preparing the form, 12 min.; and Copying,
Hawaii, Idaho, Illinois, Internal Revenue Service before signing.
Indiana, Iowa, Kansas, RAIVS Team assembling, and sending the form to the IRS, 20
Michigan, Minnesota, You must check the box in the signature min.
Stop 37106
Montana, Nebraska, Fresno, CA 93888 area to acknowledge you have the If you have comments concerning the accuracy of
Nevada, New Mexico, authority to sign and request the these time estimates or suggestions for making Form
North Dakota, Oklahoma, information. The form will not be 4506-T simpler, we would be happy to hear from you.
Oregon, South Dakota, processed and returned to you if the box is You can write to:
Utah, Washington, unchecked.
559-456-7227
Individuals. Transcripts of jointly filed tax returns may Internal Revenue Service
Wisconsin, Wyoming
be furnished to either spouse. Only one signature is Tax Forms and Publications Division 1111 Constitution
Connecticut, Delaware, required. Sign Form 4506-T exactly as your name Ave. NW, IR-6526 Washington, DC 20224
District of Columbia, appeared on the original return. If you changed your Do not send the form to this address.
Florida, Georgia, Maine, Internal Revenue Service name, also sign your current name. Instead, see Where to file on this page.
Maryland, Massachusetts, RAIVS Team
Missouri, New Hampshire, Stop 6705 P-6 Corporations. Generally, Form 4506-T can be signed
New Jersey, New York, Kansas City, MO 64999 by: (1) an officer having legal authority to bind the
North Carolina, Ohio, corporation, (2) any person designated by the board
Pennsylvania, Rhode of directors or other governing body, or (3) any officer
Island, South Carolina, or employee on written request by any principal
Vermont, Virginia, West 816-292-6102 officer and attested to by the secretary or other
Virginia