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Thursday, July 02, 2009Home owner:Now AtcProperty address:1 A Street Avenue City, Ca 99999Home phone:
 
9991111111I AM ELIGIBLE1. My home is my primary residence2. The amount I owe on my first mortgage is withinloan limits3. I am having trouble paying my mortgage payment4. I did get my current mortgage before January 1,20095. My payment on my first mortgage is greater than31%I MEET THE CRITERIA1. I am providing full income documentation2. I am providing evidence of occupancy status3. I will agree to an escrow/impound account4. I will agree to a 3 month trial period
HAMP Eligibility
 
The mortgage loan is a first lienmortgage loan originated on or beforeJanuary 1, 2009.
 
The mortgage loan is secured by aone- to four-unit property, one unit of 
which is the borrower’s principal
residence. Cooperative sharemortgages and mortgage loanssecured by condominium units areeligible for the HAMP. Loanssecured by manufactured housingunits are eligible for the HAMP.
 
The borrower documents a financialhardship and represents that (s)hedoes not have sufficient liquid assetsto make the monthly mortgagepayments by completing a HomeAffordable Modification ProgramHardship Affidavit and provides therequired income documentation. Thedocumentation supporting incomemay not be more than 90 days old (asof the date the servicer is determiningHAMP eligibility).
 
The borrower agrees to set up anescrow account for taxes and hazardand flood insurance prior to thebeginning of the trial period if onedoes not currently exist.
 
The borrower has a monthlymortgage payment ratio of greaterthan 31 percent.
 
A borrower actively involved in abankruptcy proceeding is eligible for
the HAMP at the servicer’s
discretion. Borrowers who havereceived a Chapter 7 bankruptcydischarge in a case involving the firstlien mortgage who did not reaffirmthe mortgage debt under applicablelaw are eligible.
 
 
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MORTGAGE INFORMATIONMortgage holder:IndymacBankAccount number:00000012345Last payment made:1/1/2009Notice of Default filed:YesSale date:3/5/2009HOME-OWNER INFORMATIONBorrower:Now Atc Co-borrower:Home phone:9991111111 Cell phone:9491111111 Email address:mvd@msalesinc.comProperty address:1 A Street AvenueCity, Ca 99999EMPLOYER INFORMATIONBorrower employer:Hello33Phone: 9491111111Co-borrower employer:
 
 
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GROSS INCOME vs TOTAL EXPENSES
Borrower employment $3200 Telephone $80Borrower second job $1300 Cell phone $75Borrower self-employment $0 Electricity $200Borrower commission $100 Cable $0Borrower social security $1000 Water $15Borrower retirement $0 Gas $50Borrower unemployment Trash $0Co-borrower employment $0 Food $2000Co-borrower second job $0 Gasoline $14Co-borrower self-employment $0 Prescription $0Co-borrower commission $0 Medical insurance $0Co-borrower social security $0 Life insurance $0Co-borrower retirement $0 Auto insurance $0Co-borrower unemployment Disability insurance $0Room rent $0 Spousal support $1000Rental $75 Child support $0Child support $0 Child care $0Spousal support $0 InstallmentFamily support $0 Auto loanGovernment support $0 Student loanCredit card $810Other $0Home owner association $100Taxes and insurance $0IndymacBank $3996Accredited $500
TOTAL $5675 TOTAL $7401
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