ࡱ> '` ibjbj{P{P <:::^ ^^^^8 h2HHHʵʵʵ$h*@ʵ**^^H*d^RHL*V@"& p~-Fm| 0 x~ ~~$ʵh2J|<rʵʵʵʵʵʵ ****$X ^Q ^^^^^^^  Checklist of Required Homeowners Documentation The Mandi Ross Group appreciates the opportunity to assist you in short selling your home, while improving your current and future financial stability. In order to get a short sale approved, certain documentation listed below must be provided. *Read All Information Provided* Two Most Recent Pay Stubs for all parties on the loan Two Years Most Recent Tax Returns (Need 1st 2 pages of 1040 Federal tax returns and any schedules filed A-F & if most recent year not filed will need a copy of extension letter) Two years W-2s Yearly Retirement Income Award Letter (If retired) Year to Date Profit & Loss Statement (if self employed) Lease agreements for any rental income being received Three Months Most Recent Bank Statements All Pages Mortgage Payment Coupon (s) Explanation of Hardship Signed & Dated by All Parties Supporting Documents for Hardship Letter of Termination/Layoff Notice Job Relocation Letter Unemployment Benefit Letter Medical Bills Death or Illness in Family Documentation Divorce Decree/Separation Agreement Child Support/Alimony Documents Rate increase/Payment increase letter Financial Statement (attached) Homeowners Acknowledgement and Agreement (attached) Homeowners Questionnaire (attached) Authorization to Release Information (attached) Hold Harmless Agreement (attached) FYI on Short Sales (attached) Signed Checklist of Required Homeowners Documentation Homeowner has reviewed and understands his/her cooperation is required. It is important for Mandi Ross to receive all required documents and forms in a timely manner and that without the complete information requested above Mandi Ross cannot assist homeowner in requesting a short sale approval. Please understand that certain documents expire every 30 days and Mandi Ross may have to request updated documents from you several times during the short sale process. Listing agent you are working with: __________________________________________________________ _______________________________ ___________________________ ______________ Printed Name of Homeowner Signature of Homeowner Date _______________________________ ___________________________ ______________ Printed Name of Homeowner Signature of Homeowner Date HOMEOWNERS ACKNOWLEDGEMENT AND AGREEMENT I am requesting consideration of a short sale based on financial hardship. I understand that my eligibility for a short sale will depend on a satisfactory analysis by the lending agency. I understand that the standard processing time could be at least 3 months. I understand that any and all collection activities, including foreclosure proceedings will continue until an approved short sale has closed, the account has been paid in full or the default has otherwise been resolved. I acknowledge that the financial statement that I will submit in connection with a proposed short sale of the secured property accurately describes my financial condition. All documentation I present is true, accurate and correct to the best of my knowledge. I understand that if it is determined that the financial information presented has been misrepresented by me, I could be liable for any and all losses or damages suffered by the Lien Holder, Servicer, Agent and/or Assignees, Investor, Broker and/or Private Insurance Agency. I understand that the lenders may require a valuation of the property based on an interior and exterior inspection, and I agree to provide Lenders appraiser or broker with such access to the property as deemed necessary by the lender, appraiser or broker. I understand that it may be necessary for me to provide additional documentation to verify a change in my financial situation and/or hardship, or the status of the secured property prior to the close of the short sale and that such documentation may include re-verification of my financial status at the time of loan origination. I agree that Jen Link reserves the right to terminate the processing of my short sale request if I fail to provide all requested documentation. I understand that the lender could report any short sale transaction information to the IRS as may be required by IRS regulations. It is my responsibility to consult with a tax advisor. I understand that my lender is charged a transaction management fee that will be paid to Link Consulting thru close of escrow if the short sale offer is accepted. This fee is twelve hundred fifty dollars ($1250.00). ____The above referenced property IS currently OWNER occupied. ____The above referenced property IS currently TENANT occupied. ____The above referenced property IS NOT occupied and is vacant When this document is signed by all borrowers who are named on the account, it serves as written consent for Link Consulting of Ross Enterprises and/or her assignees to begin processing my short sale package. _______________________________ ___________________________ ______________ Printed Name of Homeowner Signature of Homeowner Date _______________________________ ___________________________ ______________ Printed Name of Homeowner Signature of Homeowner Date HOMEOWNERS QUESTIONNAIRE Homeowner Personal Information Borrower Name: _________________________________________Social Security #: __________________________DOB: _________________ Co-Borrower Name: ________________________________________Social Security #: _________________________DOB: ________________ Home Phone: _____________________________________________ Alternative Phone: ______________________________________________ Email Address (s): _______________________________________________________________________________________________________ Subject Property Address: _________________________________________________________________________________________________ Mailing Address: ________________________________________________________________________________________________________ Mortgage and Loan Information Mortgage Co. # 1: __________________________________________________ Loan #:____________________________________________ Phone #: ____________________________________________________________ Approximate Balance $: ______________________________ Is this an Original Purchase Loan?: ____________________________ Mortgage Co # 2: __________________________________________________ Loan #: ___________________________________________ Phone #: _____________________________________________________________ Approximate Balance$: _______________________________ Is this an Original Purchase Loan?: ____________________________ Homeowners Association Information Home Owners Association (HOA) Name: ____________________________________________________________________________________ HOA Phone #: _____________________________________ HOA Monthly Dues: ______________________________ Are you current on your HOA dues, and if not how much do you owe? _____________________________________________________________ Property/Payment History Information Are you current on your property taxes, and if not how much do you owe? __________________________________________________________ Are you current on your mortgage payments, and if not what is the last payment accepted by your mortgage lender (month/year)?: ______________ ______________________________________________________________________________________________________________________ Are you in Foreclosure at this time?: ______________________________If yes has an auction sale date been set?: ____________________________ If yes what is the sale date?: _______________________________Are you currently in a Bankruptcy?________________________________________ Do you have any additional liens on subject property? ________________________________________________________________________ __________________________________________________ _________________________________________ ___________________ Printed Name of Homeowner Signature of Homeowner Date __________________________________________________ _________________________________________ ___________________ Printed Name of Homeowner Signature of Homeowner Date FINANCIAL STATEMENT Borrower Information NameSocial Security NumberNameSocial Security NumberHome Telephone NumberWork Telephone NumberHow Many People Live in Household?How Many Cars are at Household? Address Information Home AddressProperty Address (if different) Assets DescriptionEst. ValueAmount OwedNet ValuePrimary Home$$$Other Home$$$Auto$$$Boats/Trailers$$$Checking/Savings$$$Cash Value of Life Insurance$$$401k/IRA/CDs/Stocks/Bonds$$$TOTAL$$$ Income DescriptionBorrowerCo-BorrowerTotalNet Income Job 1$$$Net Income Job 2$$$Child Support/Alimony$$$Retirement/Pension$$$Social Security/Disability$$$Other$$$TOTAL$$$ Expense Information CategoryDescriptionMonthly PaymentBalance DueDelinquent (Y or N)Monthly PaymentsSubject Property Mortgage 1Subject Property Mortgage 2Mortgages on other propertiesRentAlimony/Child SupportHomeowners Association FeesProperty Insurance (if not included in Mortgage Payment)Property Tax (if not included in Mortgage Payment)LoansAutoAuto Boat/TrailerFurniture/AppliancesStudent LoansPersonal LoansOtherCredit Cards#1#2#3#4UtilitiesElectricityGasTelephoneCellularWaterTrash/SewerInternetCableInsuranceAutoHealthLifeMedical (Not covered by insurance)Medical Bills/Co-paysPrescriptionsCarGasoline/MaintenanceMonthly ParkingFoodGroceriesSchool or Work LunchesMisc.Spending Money/EntertainmentChild CareHousehold SuppliesCollectionsIRS LiensOther TOTAL Recap ItemCurrentTotal Income$Total Expenses$Difference$ I agree that the financial information provided is an accurate statement of my financial status. I understand and acknowledge that any action taken by the lender of my mortgage loan on my behalf will be made in strict reliance to the financial information provided. Submitted this ________ day of ________________, 20____. BY______________________________________ ___/___/___ Signature of Borrower Date BY______________________________________ ___/___/___ Signature of Borrower Date AUTHORIZATION TO RELEASE INFORMATION 1st Mortgage: ___________________________________________________ Loan Number: __________________________________________________ Lender Phone Number: ___________________________________________ 2nd Mortgage: __________________________________________________ Loan Number: __________________________________________________ Lender Phone Number: ___________________________________________ Property Address: _______________________________________________ _______________________________________________ I/We hereby authorize you to release to Link Consulting of Keller William Professional Realty and/or______________________ her assignee any and all information that they may require for the transfer, reinstatement, or payoff of my loan/account for the above referenced property. They may reproduce this document to acquire reference from more than once source. ____________________________ _______________________ _________ Borrower Signature: Social Security Number: Date: Printed Name: ______________________________________ ____________________________ _______________________ _________ Borrower Signature: Social Security Number: Date: Printed Name: ______________________________________ HOLD HARMLESS AGREEMENT The undersigned parties agree to seek independent counsel pertaining to the sale of their home, land, real property in the matters of state and federal taxes and legal implications. The undersigned sellers shall contact the appropriate real estate attorney and/or certified public accountant to obtain qualified counsel related to implications of selling the below mentioned address. Address: City & State: IN SIGNING THIS RELEASE, I (we) ACKNOWLEDGE AND REPRESENT THAT I (we) have read the forgoing Waiver of Liability and Hold Harmless Agreement. I (we) understand it and sign voluntarily as my own free act and deed; no oral representations, statements or inducements, apart from the foregoing written agreement, have been made; I (we) am at least eighteen (18) years of age and fully competent; and I (we) execute the Release for full, adequate and complete consideration fully intending to be bound by same. THIS IS A RELEASE READ BEFORE SIGNING Sellers Printed Name Sellers Printed Name Seller Signature Seller Signature Date Date FYI on Short Sales The following is a condensed version of the most popular questions a seller may have on short sales. As a REALTOR, I am not licensed as a lawyer or a CPA and cannot advise on all matters of the short sale process. Please obtain advice from a competent real estate lawyer on legal issues and discuss with your accountant on the tax ramifications that may be unique to your specific situation. What is a short sale? A short sale, also known as a short pay or short payoff, allows a homeowner to sell their property for less than the amount owned to the bank. When the market value of the property is less than the amount owed, the owner is considered up-side-down. The proceeds from the sale are used to pay-off the outstanding amount of the mortgage. Although the proceeds will be short amount actually owed on the mortgage, it allows a homeowner the opportunity to avoid foreclosure. Ultimately it may put their credit standing in a better position than if an actual foreclosure were to take place. The entire process hinges on the approval of the lender to accept less than the amount due. What are the credit implications to a short sale? The property owner's credit could be negatively and severely affected. Here is why. Say the homeowner owes $100,000 on the foreclosed property, but the lender only gets $70,000 from the sale. The lender can then sue the homeowner for the $30,000 difference. But, the homeowner won't have the $30,000. If he did, he most likely wouldn't have gone into foreclosure in the first place. If the lender chooses to sue, and the homeowner cannot pay, a deficiency judgment would appear on the homeowner's credit report, negatively affecting the homeowner's credit (At present, Arizona has an anti-deficiency law whereas a borrower has protection against a deficiency judgment). Often, the bank chooses not to sue, but to take the loss as a tax write-off. In this case, there would be no deficiency judgment on the homeowner's credit report; however, there is another implication. The $30,000 that the homeowner did not have to pay would be considered by the IRS to be income. The lender will send a 1099c to the homeowner at the end of the year, and the homeowner will be required to pay taxes on that $30,000. Even when the bank chooses not to sue, the foreclosure can end up showing up in credit checks because it is a public record. The hit homeowners take on their credit score is much less on a short sale than on a foreclosure. A homeowner involved in a short sale will see an 80 to 100 point drop on his or her credit score. A foreclosure is a 250 to 280 point hit. This is only an estimate, each individual case may vary. What information will the bank need to decide whether to accept a short sale? The sellers submission package should include W-2 forms from employers (or a letter explaining the seller is unemployed), bank statements, two years of tax returns, and other financial documents outlining income and debt obligations. The bank will also need comps or a brokers price opinion showing your estimate of value. In addition, the sellers should submit a hardship letter, explaining the circumstances that make it impossible for them to pay the full amount of the loan. The seller needs to be able to show true financial hardship. Someone with the assets or the income to pay is unlikely to be considered, say most interviewees. What are the options besides a short sale? Thanks to programs such as those proposed by Fannie Mae and Freddie Mac to assist sub-prime borrowers, many lenders are more willing to offer loan modification options. This option can extend the term of the loan, add on delinquent payments to the loan principal, and/or reduce the interest rate to make the loan more manageable for the home owner. Another option is a repayment plan that requires home owners to increase their monthly payments until the loan is current, says Loni Parmelly, a real estate practitioner and consultant who specializes in short sales HYPERLINK "http://www.ssqconsulting.com" . Another option is a Lease to Own. Buyer makes an agreement to make rental type payments to the owner over a 12 month period (example) and then obtains financing at the end of the buyer/seller lease agreement. Most often a larger down payment is given to the seller at the start of such agreement, which in case of buyer default, the seller retains down payment amount. Loan Resolution (Loss Mitigation) Options: Repayment Plan: Distributes the owners delinquent payments over a period of time, usually no more than 10 months. The monthly amount is added to the usual mortgage payment. Brings the account up-to-date within a specified time-frame. With a goal in sight, the owner can move forward knowing that the home is secure. Forbearance Plan: An agreement to temporarily allow a homeowner to pay less that the actual amount due on their mortgage or it will suspend payments entirely the forbearance period. More commonly associated with Fannie Mae, Freddie Mac, FHA, and VA. Each has various requirements a homeowner must meet, it is very situation specific so the homeowner should contact the lender directly to see if forbearance is an option. The goal is to put the homeowner back on track to resume full regular payments. Loan Modification: Applies any past-due interest and escrow amounts to the unpaid principal balance, which is then re-amortized over a new term. Changes over a new term. Changes to mortgage note itself, giving the owner a fresh start on managing their loan. Brings the account up-to-date immediately. There are many requirements; the homeowner must contact the servicing lender for details of their individual circumstances. Partial Claim (only for FHA loans): The Department of Housing and Urban Development (HUD) advances a loan to repay the past-due interest and escrow amounts. HUD loan is interest-free. Brings the account up-to-date immediately. Short Sale: Allows the owner to sell the home and use the proceeds to pay off the mortgage if they are unable to maintain payments, even if the homes market value is less than the total amount owed. Avoids the lengthy legal process involved in foreclosure. Generally less damaging to the credit rating than foreclosure. FHA Pre-Foreclosure/Short Sale Requirements: The property is owner-occupied or reasonable circumstances exist if it is not. The loan is at least 2 months delinquent. The house can sell within 3 to 5 months. A new appraisal (obtained by your lender) shows that the value of your home meets HUD program guidelines. It has been reported that FHA does not allow for short sales, which is inaccurate, FHA does allow them. Deed In Lieu of Foreclosure: Allow the owner to transfer the property voluntarily to the servicing bank if the seller is unable to maintain payments and cannot sell the home at market value. Avoids the lengthy legal process involved in foreclosure. May be less damaging to the credit rating than foreclosure (this option is a foreclosure and will be reported as such). How should the property be priced in a short sale? In general, most short sale experts say to price the property at or near fair market value, although a few will begin with the total payoff amount owned by the seller. How frequently prices are dropped will depend in part on whether the property is in pre-foreclosure. Most banks have a formula for what percentage under market value they will accept, say interviewees. Figures cited vary from 8 percent under to almost 20 percent under. How long does it take to complete a short sale? Although response times vary from lender to lender, it can take two weeks or as long as 60 days to receive an approval of a short sale from a lender. Thats why its critical that buyers and their representative understand and accept that time frame before they make an offer. What can the seller and I do to make a short sale more attractive to a lender? Getting a lender to approve a short sale is primarily a question of economics. You have to provide hard numbers to show that the amount of money a bank will realize on the short sale is better than the amount it may recoup from foreclosing on the property and selling the property. A 2002 study by Craig Focardi of the Tower Group estimated that the entire cost of a foreclosure was $58,759 and took 18 months. Other factors that can influence a banks decision include the liability risk it assumes by owning the property after foreclosures, the money tied up during the holding period for a foreclosure and REO resale, additional costs associated with an REO such as attorneys fees, and the additional reserves it will need if REOs rise in the banks portfolio. What are the sellers options if a short sale is rejected by the lender? There are a variety of reasons a bank will reject a short sale from too low a price to too many files on the loss mitigations desk. You can look for another buyer or even try resubmitting the same contract. Banks dont want to take properties back in foreclosure, so they are going to do everything they can to make it work. Keep in mind that throughout the process theres the possibility of foreclosure. What tax liabilities will a seller have as a result of a short sale? Again, one often overlooked aspect of short sales is that a seller must count any amount forgiven by the lender as income and pay taxes on that income, even if no actual money was received. The IRS requires lenders to submit a Form 1099 stating the forgiven amount. Sellers who meet the Internal Revenue Service definition of insolvency (either in bankruptcy or with debts exceeding assets w/o bankruptcy) will not have to pay taxes on the forgiven amount. See IRS Form 982 for this exclusion. Ask your CPA for all details. Credit Reporting; Credit scores are obviously going to suffer: there is no way around that. There are just way too many variables going into the credit score to know the actual effect of a short sale. The loan will show on the credit report as Paid, however, in most cases it will also note, Settled for less than amount owed. Depending on how far behind on payments a borrower gets, it may also reflect as Pre-foreclosure on the credit report. Many lenders consider 90 day past due to be a foreclosure whether or not the property was formally sold by the bank. It would be a good idea to ask for the lenders policy on reporting short sales to the credit bureaus. This disclosure does not list all possible repercussions of a short sale. It is designed for upfront disclosure only, individual circumstances may vary. Once again, please obtain advice from a competent real estate lawyer on legal issues and discuss with your accountant on the tax ramifications that may be unique to your specific situation. Seller (print name) Date Seller (Print Name) Date Property Address City State Zip Signature Date Signature Date      Resources: Ritchie School of Real Estate Finance  HYPERLINK "http://www.azcentral.com/arizonarepublic/news/articles/0706shortsale0706.html" http://www.azcentral.com/arizonarepublic/news/articles/0706shortsale0706.html  HYPERLINK "http://www.ssqconsulting.com/index_files/productlist.htm" http://www.ssqconsulting.com/index_files/productlist.htm  HYPERLINK "http://www.realtor.org/rmomag.NSF/pages/Feat1200706?OpenDocument" http://www.realtor.org/rmomag.NSF/pages/Feat1200706?OpenDocument  HYPERLINK "http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm" http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm MANDI ROSS KELLER WILLIAMS PROFESSIONAL REALTY  +89:N  / 0 1 2 P Q R b ɾ|ti]Q]H=h[h<[CJaJhl5CJaJh 2hIV5CJ aJ huzhIV5CJaJhuzhv!CJaJhhtCJaJh[hnCJaJh[hv!CJaJh[hIVCJaJhH:CJaJhl5>*CJ(aJ(h:hl5>*CJ(aJ(hIV5>*CJ(aJ(h5CJ aJ hH:5CJ aJ jhH:hH:5CJ UaJ %jhH:5CJ 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