PDF M&T Bank

M&T Bank

? P.O. Box 840 ? Buffalo, NY 14240

Dear Mortgage Customer(s):

In order to process your request for a modification of your mortgage loan, you will need to provide the bank with required financial information, and complete the attached forms. By providing this information, we will be able to begin our review in order to determine if you qualify for a modification of your loan. Only upon completion of our review will we notify you of our decision as to your modification request.

This offer is being extended in accordance with applicable laws and the servicing guidelines required by the owner of your loan, and to assist you in your desire to avoid a possible foreclosure of your property.

Included In this Package

? The below forms are required documents. These must be completed and signed by all borrowers: o Borrower(s) Financial Report and Certification, Authorization Form o IRS Form 4506-T (allows us to verify tax return information) o Profit and Loss Statement Template (if you are self-employed) o M&T Bank Arm's Length Agreement (if you are unable to maintain ownership of your property)

? The below forms are included to assist you in completing the Loss Mitigation Application. o Checklist of Required Documents Needed (this will assist you in ensuring you have included all required information)

In addition to the above required documents, the following information is needed for all borrowers:

Hardship Letter. Please write and sign a detailed letter explaining the reason(s) for default and/or why you are unable to afford your current contractual payment. Provide details of any changed circumstances including any dates and amounts of income changes, if applicable. Supporting documentation of hardship must accompany the hardship letter.

Escrow Documentation Information. If your loan is not escrowed for property taxes and/or Homeowner's Insurance, please provide a copy of your most recent property tax bill and/or a copy of your Homeowner's Insurance binder.

If you do not intend to maintain ownership of your property the following information may be required to fully evaluate you for other non-home retention options. If you have any of the below, please include them in your Loss Mitigation Application:

? Listing Agreement. Current, non-expired listing agreement signed and dated by the sellers.

? Current MLS print out. ? Signed authorization for a 3rd party. ? Purchase Contract, signed and dated by the seller(s) and buyer(s). ? Preliminary HUD-1 settlement statement. ? Buyer's pre-approval letter or proof of funds for a cash offer. ? Arms-Length Agreement letter (included) signed and dated by the seller(s) and

buyer(s).

You can return the complete Loss Mitigation Application by fax, email or mail. Fax number: 1-855-678-0866 Email: opsmtgsupport@ Mail: M&T Bank, P.O. Box 840, Buffalo, NY 14240

Our ability to review your request will depend on your timely and complete response to this letter. Itis possible that after our review additional information may be requested from you. Typically a decision will be reached within thirty (30) days from the date M&T Bank receives all of the required documentation to determine if any loss mitigation options are available. If applicable, this would include approval from the mortgage insurance company.

Until a decision is made with respect to your loss mitigation assistance request, you may still receive notices, and you should make every attempt to continue making your contractual payments during the review process. There is a possibility that the foreclosure process may commence/continue. If you don't intend to retain ownership of your home, understand that the owner of your loan requires that all properties be maintained until closing. Please keep the property in good condition and repair.

If you need any assistance or have any questions, please contact our Single Point of Contact Team at 1-800-724-1633. You may contact HUD approved credit counseling agency for assistance. To contact one of these agencies in your area dial 1-800-569-4287.

Single Point of Contact Team Homeowner Assistance Center Hours: Mon.-Thur. 8am-9pm; Friday 9am-5pm Phone: 1-800-724-1633 Fax: 1-855-678-0866

M&T Bank is attempting to collect a debt and any information will be used for that purpose. To the extent your original obligation was discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this correspondence is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, M&T Bank retains rights under its security instrument, including the right to foreclose its lien.

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

"

#

$

%

&

!

'

%

$

%

%

$

%

&

&

%

'

(

&

)

*

+

,

-

.

/

.

0

-

/

1

2

(

3

%

&

4

5

6

7

8

9

:

;

<

=

>

?

>

6

@

A

=

>

B

C

D

E

E

>

=

F

F

?

G

H

I

I

H

J

K

I

9

7

;

=

?

7

N

O

N

8

R

D

E

E

>

=

F

F

?

Q

Y H

Z

G

H

I

I

H

J

K

I

9

7

;

=

?

7

N

O

N

8

R

D

E

E

>

=

F

F

?

Q

L

6

M

N

7

O

L

=

M

:

>

N

B

C

P

?

S

6

;

=

6

@

T

8

=

P

?

U

6

>

V

6

8

=

P

?

@

T

W

=

O

O

@

6 T

8

=

P

?

; X

7

N

O

?

L

6

M

N

7

O

L

=

M

:

>

N

B

C

P

?

S

6

;

=

6

@

T

8

=

P

?

U

6

>

V

6

8

=

P

?

@

T

W

=

O

O

@

6 T

8

=

P

?

; X

7

N

O

?

[

\

]

]

\

^

_

]

b

c

d

c

e

c

f

f

e

g

d

h

i

j

g

k

c

g

j

k

h

d

l

m

j

n

l

b

c

d

c

e

p

q

n

i

h

c

k

j

h

r

q

s

h

i

j

g

k

c

g

j

k

h

d

l

m

j

n

l

o

c

l

o

c

l

t

u

g

v

c

d

u

j

s

h

w

h

r

h

e

n

x

f

i

j

f

y

r

g

g

v

q

f

r

z

v

j

z

c

{

|

l

w

j

v

}

t

u

g

v

c

d

j

~

t

u

g

v

c

d

j

~

s

j

u

g

v

c

d

j

~

b

r

h

j

c

}

i

q

k

j

l

b

r

h

j

c

}

e

s

j

u

g

v

c

d

u

j

s

h

l

}

e

s

j

u

g

v

c

d

j

~

r

k

j

d

c

e

r

f

h

q

j

v

d

n

j

j

y

q

s

j

u

g

v

c

d

u

j

s

h

m

j

n

l

o

c

l

`

\

a

[

\

]

]

\

^

_

]

b

c

d

c

e

c

f

f

e

g

d

h

i

j

g

k

c

g

j

k

h

d

l

m

j

n

l

o

c

l

b

c

d

c

e

p

q

n

i

h

c

k

j

h

r

q

s

h

i

j

g

k

c

g

j

k

h

d

l

m

j

n

l

o

c

l

t

u

g

v

c

d

u

j

s

h

w

h

r

h

e

n

x

f

i

j

f

y

r

g

g

v

q

f

r

z

v

j

z

c

{

|

l

w

j

v

}

t

u

g

v

c

d

j

~

t

u

g

v

c

d

j

~

s

j

u

g

v

c

d

j

~

b

r

h

j

c

}

i

q

k

j

l

b

r

h

j

c

}

e

s

j

u

g

v

c

d

u

j

s

h

l

}

e

s

j

u

g

v

c

d

j

~

r

k

j

d

c

e

r

f

h

q

j

v

d

n

j

j

y

q

s

j

u

g

v

c

d

u

j

s

h

m

j

n

l

o

c

l

_

_

]

_

\

q

v

j

~

r

s

y

k

e

g

h

f

d

m

j

n

l

o

c

l

i

r

g

l

i

r

g

l

q

v

q

s

b

r

h

j

l

r

s

y

k

e

g

h

f

d

f

r

n

j

s

e

u

z

j

k

l

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

n

h

i

j

z

c

k

k

c

p

j

k

r

n

j

k

q

f

j

u

j

u

z

j

k

m

j

n

l

n

h

i

j

f

c

?

z

c

k

k

c

p

j

k

r

n

j

k

q

f

j

u

j

u

z

j

k

m

j

n

l

o

c

l

o

c

l

?

r

j

d

c

e

k

j

f

j

s

h

v

d

z

j

j

s

~

j

g

v

c

d

j

~

r

p

r

d

}

k

c

u

d

c

e

k

g

k

q

s

f

q

g

r

v

k

j

n

q

~

j

s

f

j

c

k

k

j

f

j

s

h

v

d

k

j

f

j

q

j

~

r

g

j

k

u

r

s

j

s

h

f

i

r

s

j

c

}

n

h

r

h

q

c

s

c

k

~

j

k

m

j

n

l

o

c

l

!

"

#

b

q

n

f

i

r

k

j

~

r

s

y

k

e

g

h

f

d

m

j

n

l

o

c

l

b

r

h

j

h

i

r

h

h

i

j

r

s

y

k

e

g

h

f

d

p

r

n

~

q

n

f

i

r

k

j

~

l

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

o

e

u

z

j

k

c

}

r

~

e

v

h

n

l

o

e

u

z

j

k

c

}

f

i

q

v

~

k

j

s

l

?

?

?

?

?

n

h

i

j

g

k

c

g

j

k

h

d

r

f

r

s

h

l

m

j

n

l

o

c

l

n

h

i

j

g

k

c

g

j

k

h

d

e

n

j

~

r

n

r

k

j

s

h

r

v

l

m

j

n

l

o

c

l

n

h

i

j

g

k

c

g

j

k

h

d

v

q

n

h

j

~

}

c

k

n

r

v

j

l

m

j

n

l

o

c

l

}

d

j

n

g

v

j

r

n

j

f

c

u

g

v

j

h

j

h

i

j

}

c

v

v

c

p

q

s

z

j

v

c

p

l

?

q

n

h

q

s

?

?

j

s

h

n

o

r

u

j

l

?

i

c

s

j

o

e

u

z

j

k

l

x

|

?

e

k

k

j

s

h

v

q

n

h

q

s

g

k

q

f

j

l

?

o

e

u

z

j

k

c

}

f

r

k

n

l

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

u

c

e

s

h

l

?

b

r

h

j

r

r

q

v

r

z

v

j

l

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

}

h

i

j

u

c

k

h

r

j

v

c

r

s

q

n

s

c

h

j

n

f

k

c

p

j

~

q

s

~

q

f

r

h

j

h

i

j

u

c

s

h

i

v

d

q

s

n

e

k

r

s

f

j

g

k

j

u

q

u

e

u

l

?

}

h

i

j

u

c

k

h

r

j

v

c

r

s

q

n

s

c

h

j

n

f

k

c

p

j

~

q

s

~

q

f

r

h

j

h

i

j

h

r

{

r

u

c

e

s

h

l

?

m

j

r

k

v

d

?

c

s

h

i

v

d

?

e

r

k

h

j

k

v

d

b

c

d

c

e

i

r

j

f

c

s

~

c

u

q

s

q

e

u

c

k

i

c

u

j

c

p

s

j

k

r

n

n

c

f

q

r

h

q

c

s

x

?

?

?

|

}

j

j

n

m

j

n

l

}

d

j

n

h

c

h

r

v

u

c

s

h

i

v

d

g

r

d

u

j

s

h

r

u

c

e

s

h

l

?

o

c

l

o

r

u

j

r

s

~

?

~

~

k

j

n

n

}

j

j

n

r

k

j

g

r

q

~

h

c

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

!

?

?

?

?

?

!

?

?

?

?

?

?

?

!

?

!

"

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

!

?

!

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

!

?

?

?

?

!

?

?

?

?

?

!

?

?

?

!

?

?

?

?

?

?

?

?

"

!

?

?

?

?

?

?

?

?

?

!

?

?

!

?

?

!

?

?

?

!

?

?

?

?

?

?

!

?

?

!

?

?

?

?

?

"

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

"

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

!

"

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

!

?

?

?

?

?

!

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

!

?

?

?

?

?

!

"

?

!

?

?

!

?

?

?

?

!

?

?

!

?

?

!

?

?

!

?

?

!

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

!

"

?

!

?

?

!

?

?

!

?

?

!

?

?

!

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

?

?

?

?

?

?

?

?

?

?

?

?

?

?

?

!

"

#

................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download