Chase

P.O. Box 469030

Glendale, CO 80246-9030

November 1, 2023

000074 - 1 of 4 NSP0MBV0-IV J7878347 000000

CHRISTOPHER SCAFIDI
1625 S DANUBE WAY #101
AURORA, CO 80017

We received another mortgage assistance request or more information from you

Account: 1320278584

Property Address: 1625 S DANUBE WAY 101

AURORA, CO 80017

Dear Christopher Scafidi:

We completed our review of your request for mortgage assistance and explained the option(s) you ùre eligible for, but

we received additional information from you.

If you sent the additional information to reapply for mortgage assistance, please call us right away so we can review

your request to reapply for assistance.

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We may require additional documents before we re able to complete our review. If we need more documents, or if

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documents have expired, we ll notify you to explain what else we need and when to return the required information.

You may need to respond to foreclosure notices or complete other actions to protect your rights under applicable

foreclosure law. If you have questions about the legal consequences of a foreclosure sale of the property, you should

contact an attorney or a housing counselor right away. If there are unpaid amounts on the account we will continue

to send collection notices to you unless your debt has been discharged in bankruptcy.

If you have more than one mortgage with us, you ùll need to send a separate request for each loan you would like us

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to review for assistance. If you have other mortgages or liens that we don t service, you should contact that servicer

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to find out if you re eligible for assistance with those accounts.

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We re here to answer your questions. Please call us if you would like to talk about your options. We ùre available

Monday through Friday from 8 a.m. to 7 p.m. Eastern Time. If you ùre not satisfied with any aspect of our service,

please let us know right away and we ùll connect you with a supervisor.

Sincerely,

AL YOUNG

Relationship Manager

Chase

1-877-496-3138; we accept operator relay calls

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1-866-282-5682 Fax; it's free from any Chase branch

Enclosed:

- Fax Cover Sheet

Esta comunicaci “n contiene informaci “n importante acerca de la cuenta. Si tiene alguna pregunta o necesita ayuda

para traducirla, comun quese con nosotros llamando al 1-877-496-3138, de lunes a viernes de 8 a.m. a 7 p.m., hora

del Este.

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Assistance Options: Hereøs an overview of the mortgage assistance options that may be available, their details
and possible benefits. There are no fees as part of any of these programs.

Modification
“ A permanent change to the terms of your mortgage loan that may make the monthly payment amounts more

affordable or lower the interest rate.

Forbearance Plan
“ Make reduced mortgage payments or stop making payments for a specific period of time.

“ Gives you time to improve your financial situation.

Repayment Plan
“ Catch up on payments by adding a portion of the past-due amount to your regular payments over an

extended period of time.

“ Allows you time to bring your loan up to date over a specific period of time.

“ You may be required to make an initial down payment (or contribution) to get started and your monthly

payments will be higher than normal as part of a repayment plan.

Short Sale
“ Sell the property for less than the balance remaining on your mortgage.

“ In some cases, relocation assistance may be available to help you move out of the property and avoid

foreclosure.

“ ù
You may be required to make a cash contribution and/or execute a promissory note if you re eligible for and

accept this option.

Deed-in-Lieu of Foreclosure
“ Transfer the ownership of the property to us.

“ In some cases, relocation assistance may be available to help you move out of the property and avoid

foreclosure.

“ ù
You may be required to make a cash contribution and/or execute a promissory note if you re eligible for and

accept this option.

You can also contact us to discuss reinstatement, which allows you to bring the account up to date by paying the

total amount due in one lump sum payment.

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Important Contact Information

How to send us information

Send your application forms and documents with your full name and account number on each page to:

Fax: 1-866-282-5682; it's free from any Chase branch

Regular Mail: Chase

P.O. Box 469030

Glendale, CO 80246-9030

Overnight Mail: Chase

720 S. Colorado Blvd., Suite 210

Glendale, CO 80246-1904

If you did not request to be reviewed for mortgage assistance, please call 1-877-496-3138 to speak with an agent.

You can send us a Notice of Error, Information Request or Áualified Written Request as part of the Real Estate

Settlement Procedures Act to ask for information or to dispute errors about the servicing of your mortgage loan.

To do so, send us a separate letter that describes the issue and include any supporting documents. Please mail it to

our exclusive address for the receipt and handling of these requests:

Mail: Chase

Mail Code LA4-6911

700 Kansas Lane

Monroe, LA 71203-4774

Valuation Notice
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If we estimate the current value of your home as part of our review of your request for mortgage assistance, we ll

send you a copy of the appraisal or valuation.

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Important Legal Disclosures and Notices

Information about bankruptcy filings

To the extent your original obligation is subject to the automatic stay of bankruptcy or was discharged under the

United States Bankruptcy Code, this notice is for compliance with non-bankruptcy law and/or informational

purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.

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Nothing in this notice means that you re required to repay a debt that s subject to the automatic stay or has been

discharged. Any payment you make on the account is voluntary, but if the original obligation is secured by

collateral, we retain the rights under any applicable security instrument.

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If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney s

name, address, and telephone number.

Information for Servicemembers and their dependents

If you or any occupant of your home are or recently were on active Military duty or related active service, you may

be eligible for benefits and protections under the federal Servicemembers Civil Relief Act (SCRA), state law, or

Chase policy. This includes protection from foreclosure or eviction, and in some cases, interest rate benefits. Some

protections also may be available if you are the dependent of an eligible Servicemember. Although Servicemember

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interest rate benefits under the Servicemembers Civil Relief Act don t allow you to defer payments, some states

allow for a payment deferral if certain conditions are met.

For more information, please call Chase Military Services at 1-877-469-0110.

Here's where to look for more help

You can call the U.S. Department of Housing and Urban Development at 1-800-569-4287 or the HPF Homeowner s ù
HOPE Hotline at 888-995-HOPE (4673) to get free assistance. You can also find a nonprofit HUD-approved

counselor who can provide the information and assistance you may need to avoid foreclosure by using the search

tool at hud.gov/offices/hsg/sfh/hcc/fc/. The HUD-approved housing counseling agencies found on HUD.gov can

also help you with your household budgeting at no charge.

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 Fax Cover Sheet
Date:

Fax Number: 1-866-282-5682; it's free from any Chase branch

To: Chase

P.O. Box 469030

Glendale, CO 80246-9030

From: MORTGAGOR NAME: Christopher Scafidi

PROPERTY ADDRESS: 1625 S DANUBE WAY 101

AURORA, CO 80017

LOAN NUMBER: 1320278584

Re: Modification Program

# Pages
(including fax cover sheet):

Notes:

IMPORTANT:
l Include this cover sheet with your fax.
l Write your full name and account number on all pages you send us.
l Send us all of your documents at the same time.

This fax contains confidential information intended only for the use of the addressee(s) named above. If you are not the intended recipient of this
fax, or the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination, distribution or
copying of this fax is strictly prohibited.

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