P.O. Box 24610 Oklahoma City, OK 73124-0610 Dear Customer(s): Enclosed is a loan modification package being provided in response to your request for financial assistance. As your mortgage servicer, Caliber Home Loans, Inc. (“Caliber”) would like to try to assist you. In order to complete our evaluation, we will need a complete package within 30 days of the date of this letter. Failure to submit all necessary information within the time afforded could result in potential denial of the loan modification or other loss mitigation alternatives, continuation of pending foreclosure action, or referral to foreclosure. The following documents are required to be dated within 90 days of Caliber’s receipt of the documents:    5:18 Letter of Explanation (Hardship Letter) signed by all borrowers. Completed Borrower Monthly Expense Form (enclosed). Documentation to verify all income for each borrower (including alimony, child support or rental income).  Borrowers who are salaried employees must provide a copy of one (1) months recent pay stub. The stub must indicate the year-to-date income and pay period.  Self-Employed or commission borrowers (1099) must provide a copy of the most recently filed Federal tax return with all schedules and the most recent quarterly or year-to-date profit/loss statement. You must also provide a copy of three (3) months recent and consecutive business bank statements, or personal bank statements if no business account exists. If organized as a corporation or partnership, you must provide the most recently filed corporate or partnership returns with all schedules.  Borrowers who have unemployment income must provide a copy of the weekly benefit amount and the remaining term or dollars. You must also provide a copy of three (3) months recent and consecutive bank statements.  For each borrower who has income from social security, alimony, child support, pension, rental income, etc., you must provide a copy of your Award letter and a copy of three (3) months recent and consecutive bank statements. If you receive rental income, you must provide a copy of the current lease or rental agreement. 20121219rev 1 DO NOT send original documents. Original documents cannot be returned and may be destroyed. Please indicate your loan number on each document and send to the following address, fax number or email. Caliber Home Loans, Inc. Attn: Loss Mitigation 13801 Wireless Way Oklahoma City, OK 73134 Email: calibermods@caliberhomeloans.com Fax: 405-608-2011 Your request will be reviewed within 30 days of receipt of all requested documentation. If you have any questions, please contact us at 800-621-1437. Our hours of operation are 9:00 a.m. to 8:00 p.m., Central Time, Monday through Thursday; and 9:00 a.m. to 7:00 p.m., Central Time, on Friday. Sincerely, Loan Resolution Department Caliber Home Loans, Inc. Enclosures Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge: If you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have previously been discharged from this debt by a Federal Bankruptcy Court, this communication is not an attempt to collect a debt but is sent for informational purposes only or to satisfy certain Federal or State legal obligations. THIS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A CONSUMER DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 5:18 20121219rev 2 Borrower’s Monthly Expenses Name ____________________________ Loan No. ___________________ Date _______________ Home _________________ Cell ____________________ Best Time to Contact ________________ E-Mail _____________________________________________ E-Mail address may be used to provide you with documentation throughout the modification process. Description Monthly Payment Housing Loans 1st Mortgage 2nd Mortgage Housing Expense Property Taxes Homeowners Insurance HOA Fees Other Loans #1 #2 Car 1 Car 2 Credit Cards #1 #2 #3 #4 Utilities Gas/Electricity Water/Sewer Cable TV Telephone/Cell Medical Expenses Health Insurance (if you pay) Life Insurance (if you pay) Doctor/Dentist Bills Prescriptions Hospital Bills Car Expenses Gasoline Auto Insurance Parking Maintenance Food Family at Home School Lunches Work Lunches Clothing New Clothes/Shoes Dry Cleaning Entertainment Movies/Dining Out Vacations Spending Money Other Church Clubs or Union Dues Sports/Hobbies Balance Due # of months behind Other (Please List) Total 5:18 20121219rev 3
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