MS-4(A)—Statement
Encouraging the Borrower to Contact the Servicer and Additional Information
About Loss Mitigation Options (Section 1024.39(b)(2)(i), (ii), and
(iv))
Call us today to learn more about your options
and instructions for how to apply. [The longer you wait, or the further
you fall behind on your payments, the harder it will be to find a
solution.]
[Servicer Name]
[Servicer Address]
[Servicer Telephone Number]
[For more information, visit [Servicer Web site]
[and][or] [Email Address]].
6-1440.41
MS-4(B)—Available Loss Mitigation Options (Section 1024.39(b)(2)(iii)) [If you need help, the following options maybe possible
(most are subject to lender approval):]
• [Refinance your loan with us or another lender;]
• [Modify your loan terms with us;]
• [Payment forbearance temporarily gives you
more time to pay your monthly payment;] [or]
• [If you are not able to continue paying your mortgage,
your best option may be to find more affordable housing. As an alternative
to foreclosure, you may be able to sell your home and use the proceeds
to pay off your current loan.]
6-1440.42
MS-4(C)—Housing Counselors (Section 1024.39(b)(2)(v))
For help exploring your options,
the Federal government provides contact information for housing counselors,
which you can access by contacting [the Consumer Financial Protection
Bureau at [Bureau Housing Counselor List Web site]] [the Department
of Housing and Urban Development at [HUD Housing Counselor List Web
site]] or by calling [HUD Housing Counselor List Telephone Number].
6-1440.43
MS-4(D)—Written Early Intervention
Notice for Servicers Subject to FDCPA (Section 1024.39(d)(2)(iii)) This is a legally required notice. We are sending this notice
to you because you are behind on your mortgage payment. We want to
notify you of possible ways to avoid losing your home. We have a right
to invoke foreclosure based on the terms of your mortgage contract.
Please read this letter carefully.
