Fill - Free fillable Loss Mitigation Application (Flagstar Bank) PDF form

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GETSTARTED–usethischecklisttoensureyouhavecompletedallrequiredformsandhavetherightinformation.

Step1  Reviewtheinformationprovidedtohelpyouunderstandyouroptions,responsibilities,andnextsteps:

 AvoidingForeclosure FrequentlyAskedQuestions BewareofForeclosureRescue

Scams

Step2  Completeandsigntheenclosed Loss Mitigation Application.Mustbe signedbyallborrowersonthe

mortgage(notarizationisnotrequired) andmustinclude:

 Allincome,expenses,andassetsforeachborrower.

 Anexplanationoffinancialhardshipthatmakesitdifficulttopaythemortgage.

 Youracknowledgmentandagreementthatallinformationthatyouprovideistrueandaccurate.

Step3  Completeandsignadatedcopy of the enclosed IRS 4506-T Form

 Foreachborrower,pleasesubmitasigned, datedcopy of IRS4506-T Form.

 For borrowers who filed their tax returns jointly, please submit one IRS 4506-T Form signed and

Step4  Provide the required Hardship Documentation that will be used to verify your hardship.

 FollowtheinstructionssetforthontheLoss Mitigation Application (enclosed).

Step5

 ProviderequiredIncomeDocumentation. This documentation will be usedtoverifyyourhardshipand

allofyourincome(Notice:Alimony,childsupportorseparatemaintenanceincomeneednotbe

revealedi

youdonotchooseto have it consideredfor repaying this loan).

 FollowtheinstructionssetforthontheLoss Mitigation Application(enclosed).

 Youmayalsodiscloseanyincomefromahouseholdmemberwhoisnotonthepromissorynote(non‐

borrower),suchasarelative,spouse,domesticpartner,orfiancéwhooccupiesthepropertyasa

primaryresidence.Ifyouelecttodiscloseandrelyuponthisincometoqualify,therequiredincome

documentationisthesameastheincomedocumentationrequiredforaborrower.SeePage2ofthe

Loss Mitigation Applicationforspecificdetailsonincomedocumentation.

Step6  Gatherand send completeddocuments (signed and dated)—yourLoss Mitigation Application.

Youmustsendinallrequireddocumentationlistedinsteps2‐4above,andsummarizedbelow:

 Loss Mitigation Application(enclosed)

 IRS 4506-T Form(enclosed)

 HardshipDocumentationasoutlinedonPage2oftheLoss Mitigation Application(enclosed)

 IncomeDocumentationasoutlinedonPage3oftheLoss Mitigation Application (enclosed)



DetailedExpensesBreakdown(enclosed)



Optional: ThirdPartyAuthorization(enclosed)

Pleasesendalldocumentsabovetous

using any of the methods below:

IMPORTANTREMINDERS:

□ Ifyoucannotprovidethedocumentationwithinthetimeframeprovided,haveothertypesofincomenot

specifiedonPage2oftheLoss Mitigation Application,cannotlocatesomeoralloftherequireddocuments,

documents, ORhaveanyquestions,pleasecallusat(800) 393‐4887, Monday-Friday 8:30 a.m.-7 p.m.

□

Keepacopyofalldocumentsandproofofmailing/submissionforyourrecords.Don’tsendoriginalincomeor

hardshipdocuments.Copiesareacceptable.

Questions?Call us at (800) 393‐4887

Loss Mitigation Application HomeownerChecklist

For Your Information Only - Do Not Return with your Loss Mitigation Application

Toll-Free Fax:

(866) 234-9845

By Mail:

Online:

Flagstar Bank

flagstar.com/myloans

Loss

Mitigation W-110-2

5151 Corporate Drive

Troy, MI 48098

March 2020

dated by both joint filers.

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MortgageProgramsAreAvailabletoHelp

Thereareavarietyofprogramsavailabletohelpyouresolveyourdelinquencyandkeepyourhome.Youmaybe

eligibletorefinanceormodifyyourmortgagetomakeyourpaymentsandtermsmoremanageable,forinstance,

loweringyourmonthlypaymenttomakeitmoreaffordable.Or,ifyouhavemissedafewpayments,youmay

qualifyforatemporary(orpermanent)

solutiontohelpyougetyourfinancesbackontrack.Dependingonyour

circumstances,stayinginyourhomemaynotbepossible.Inthiscase,ashortsaleordeed‐in‐lieuofforeclosure

maybeabetterchoicethanforeclosure–seethetablebelowformoreinformation:

OPTIONSTOSTAY



INYOURHOME

OVERVIEW BENEFIT

Refinance

Receiveanewloanwith lower interest rate or

otherfavorableterms.

Makesyourpaymentortermsmoreaffordable.

Reinstatement

Paythetotal outstanding paymentsowed, in

a lump sum,byaspecificdate. Thismay



followaforbearanceplanasdescribedbelow.

Allows you to avoidforeclosureby bringing your

mortgagecurrentifyoucanshowyouhave



fundsthatwillbecomeavailableataspecific



dateinthefuture.

RepaymentPlan

Paybackyourpast‐duepayments together

withyourregularpaymentsoveranextended



periodoftime.

Allows you time tocatchuponlate payments

withouthavingtocomeupwithalumpsum.

ForbearancePlan

Makereducedmortgage payments or no

mortgagepaymentsforaspecificperiodof



time.

Have time to improveyourfinancial situation

andgetbackonyourfeet.

Modification

Receivemodifiedterms of your mortgage to

makeitmoreaffordableormanageableafter



successfullymakingpaymentsduringa“trial



period”(thatis,completingathree‐orfour‐



monthtrialperiodplan)thatapproximatethe



modifiedpayment.

Permanently modifiesyourmortgage so that

yourpaymentsortermsaremoremanageable



asapermanentsolutiontoalong‐termor



permanenthardship.

OPTIONSTOLEAVE



YOURHOME

OVERVIEW BENEFIT

ShortSale

Sellyourhomeandpay off a portion of your

mortgagebalancewhenyouowemoreonthe



homethanitisworth.

Allows you to transitionoutofyour home

withoutgoingthroughforeclosure.Insome



cases,relocationassistance maybeavailable.

MortgageRelease



(Deed‐in‐Lieuof



Foreclosure)

Transfertheownershipofyourpropertytous.

Allows you to transitionoutofyour home

withoutgoingthroughforeclosure.Insome



cases,relocationassistance maybeavailable.

WeWanttoHelp

Takeactionandgainpeaceofmindandcontrolofyoursituation.CompleteandreturntheLoss Mitigation

Applicationtostarttheprocessofgettingthehelpyouneednow.

InformationonAvoidingForeclosure

ForYourInformationOnly‐Do Not Returnwith Your Loss Mitigation Application

March 2020

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WhyDidIReceivethisPackage?

You received this package because you have either requested loss mitigation assistance, or because we have not

receivedoneormoreofyourmonthlymortgagepaym entsandwanttohelpyoukeepyourhomeifatallpossible.By

completingthispackage,wecanworktogetheratexploringoptionsthatmayhelpresolveanytemporaryorlong‐term

financialchallengeyoufaceinmakingyourmortgagepayments.

2. WhereCanIFindMoreInformationonForeclosurePrevention?

PleaseseetheAvoidingForeclosureenclosureinthispackageformoreinformation,oryoucancallFlagstarBank

at(800) 393‐4887.

3. WhatifIDon

’tWanttoStayinMyHomeAnymore?

Youmayhavegoodreasonsforneedingtoleaveyourproperty,suchasajobrelocation,adivorce,financialhardship

duetothedeathofaborrower,orsomeotherreasonpreventingyoufromkeepingyourproperty.Ifyouintendto

transitionoutofyourhome,pleaseindicatethatyouwanttosellorvacatethepropertyonpage1oftheattached

Loss Mitigation Application

andwemayfirstevaluateyouforashortsaleorMortgageRelease(deed‐in‐lieuof

foreclosure).Evenifyouareapprovedforoneofthoseworkoutsolutions,wemayconsideryouforamortgageloan

modification.

WillitCostMoneytoGetHelp?

Thereshouldneverbeafeefromyourservicerorqualifiedcounselortoobtainassistan c e orinformationabout

foreclosurepreventionoptions.However,foreclosurepreventionhasbecomeatargetforscamartists.Bewaryof

companiesorindividualsofferingtohelpyouforafee,andneversendamortgagepaymenttoanycompanyotherthan

theonelistedonyourmonthlymortgagestatementoronedesignatedtoreceiveyo urpaymentsunderastate

assistanceprogram.

WhatHappensOnceIHaveSenttheLoss Mitigation Application toYou?

Wewillsendyouawrittennoticewithinfivebusinessdaysofourreceiptofyour Loss Mitigation Application to

confirmthatwehavereceivedyourpackageandwillreviewittodeterminewhetheritiscompleteorincomplete.Ifwe

determinethereismissinginformationordocumentation,wealsowillsendyouan

incompleteinformationnotice.We

cannotguaranteethatyouwillreceiveany(oraparticulartypeof)assistance.

Within30daysofreceiptofacompleteLoss Mitigation Application,wewillletyouknowwhichforeclosure

alternatives,ifany,

areavailabletoyouandwillinformyouofyournextstepstoacceptouroffer.However,ifwe

receiveyourcompleteLoss Mitigation Application37calendardaysorlessbeforeascheduledforeclosuresaledate,

wewillstrivetoprocessyourrequestasquicklyaspossible,butyoumaynotreceiveanoticeofincompletenessora

decisiononyourrequestpriortosale.PleasesubmityourLoss Mitigation Application assoonaspossible.

WhatHappenstoMyMortgageWhileYouAreEvaluatingMyLoss Mitigation Application?

Youremainobligatedtomakeallmortgagepaymentsastheycomedue,evenwhileweareevaluatingthetypesof

assistancethatmaybeavailable.

WilltheForeclosureProcessBeginifIDoNotRespondtothisLetter?

Depending on the status of your loan ifyoudonotrespondtothisletter,wemayreferyourloantoforeclosure

inaccordancewithyourmortgageloan

documentsandapplicablelaw.

Frequently Asked Questions

ForYourInformationOnly‐DoNotReturnwithYourLoss Mitigation Application

March 2020

April, 2018

Page 4 o

FREQUENTLYASKEDQUESTIONScontinued

8. ShouldIStillContactYouifIHaveWaitedTooLongandMyPropertyHasBeenReferredtoanAttorneyfor

Foreclosure?

Yes,thesoonerthebetter!

9. WhatifMyPropertyisScheduledforaForeclosureSaleintheFuture?

IfwereceiveacompleteLoss Mitigation Application 37calendardaysorlessbeforeascheduledforeclosuresale,

thereisnoguaranteewecanevaluateyouforaforeclosurealternativeintimetostoptheforeclosuresale.Evenif

weareabletoapproveyouforaforeclosurealternativepriortoasale,acourtwithjurisdictionovertheforeclosure

proceeding(ifany)orpublicofficialchargedwithcarryingoutthesalemaynothaltthescheduledsale.

10.

WillMyPropertybeSoldataForeclosureSaleifIAcceptaForeclosureAlternative?

No.Theproperty

willnotbesoldataforeclosuresaleifyouacceptanofferforanalternativetoforeclosureand

compl

wi

thal

requ

ements.

11. WillMyCreditReportBeAffectedbyMyLatePaymentsorBeinginDefault?

Thedelinquencystatusofyourloanwillcontinue to bereportedtocreditreportingagenciesaswellasyourentryinto

aRepaymentPlan,ForbearancePlan,orTrialPeriodPlaninaccordancewiththerequirementsoftheFairCredit

ReportingActandtheConsumerDataIndustryAssociationrequirements.

12. WillMyCreditScoreBeAffectedifIAcceptaForeclosurePreventionOption?

Whiletheeffectonyourcredit willdependonyourindividualcredithistory,creditscoringcompaniesgenerallywould

consideryourentryintoaplanwithreducedpaymentsasincreasingyourcreditrisk.Asaresult,enteringintoaplan

withreducedpaymentsmayadverselyaffectyourcreditscore,particularlyifyouarecurrentonyourmortgageor

otherwisehaveagoodcreditscore. However,bringingyourloancurrentthroughareinstatement,RepaymentPlan,or

loanmodificationandcontinuingtomaketimelypaymentsmayimproveyourcreditscoreovertime.

13. IsForeclosurePreventionCounselingAvailable?

Yes,HUD‐approvedcounselorsareavailabletoprovideyouwiththeinformationandassistanceyoumayneedto

avoidforeclosure.Youcanusethesearchtoolathud.gov/offices/hsg/sfh/hcc/fc/tofindacounselornearyou.

14. IHaveSeenAdsandFlyersFromCompaniesOfferingtoHelpMeAvoidForeclosureforaFee.AreThese

CompaniesontheLevel?

Foreclosurepreventionhasbecomeatargetforscamartists.WesuggestusingtheHUDwebsitereferencedin

question13tolocateacounselornearyou.Also,pleaserefertotheenclosed "Beware of Foreclosure Rescue

Scams" document for more information.

April, 2018

March 2020

Page 5 o

Scamartistsarestealingmillionsofdollarsfromdistressed homeownersbypromisingimmediaterelieffrom

foreclosure,ordemandingcashforcounselingserviceswhenHUD‐approvedcounseling agenciesprovidethesame

servicesforFREE.Ifyoureceiveanoffer,informationoradvicethatsoundstoogoodtobetrue,itprobablyis.Don'tlet

themtakeadvantageofyou,yoursituation,yourhouseoryourmoney.Remember,helpisFREE.

HowtoSpotaScam–bewareofacompanyorpersonwho:

 Asksforafeeinadvancetoworkwithyourlendertomodify,refinance,orreinstateyourmortgage.

 Guaranteestheycanstopaforeclosureorgetyourloanmodified.

 Advisesyoutostoppayingyourmortgagecompanyandpaytheminstead.



Pressuresyoutosignoverthedeedtoyourhomeorsignanypaperworkthatyouhaven'thadachancetoread or

don'tfullyunderstand.

 Claimstooffer"government‐approved"or"officialgovernment"loanmodifications.

 Asksyouto releasepersonalfinancialinformationonlineoroverthephoneandyouhavenotbeenworkingwith

thispersonand/ordonotknowthem.

HowtoReportaScam–dooneofthefollowing:

 Gotopreventloanscams.organdfillouttheLoanModificationScamPreventionNetwork’s(LMSPN)

complaintformonlineandgetmoreinformationonhowtofightback.Note:youcanalsofilloutthisform

andsendtothefaxnumber/email/address(yourchoice!)onthebackoftheform.

 Call(888) 995‐HOPE(4673)andtellthecounseloraboutyoursituationandthatyoubelieveyougotscammedor

knowofascam.

BEWAREOFFORECLOSURERESCUESCAMS—TIPS&WARNINGSIGNS

ForYourInformationOnly‐Do Not Returnwith Your Loss Mitigation Application

TheLoanModificationScamPreventionNetworkisanationalcoalitionofgovernmental

andprivateorganizationsledbyFannieMae,FreddieMac,NeighborWorksAmerica™

andtheLawyers’CommitteeforCivilRightsUnderLaw.

April, 2018

March 2020

Loss Mitigation Application

If you are having mortgage payment challenges, please complete and submit this application, along with the required

documentation, to Flagstar Bank via mail: Loss Mitigation Department, W-110-2, 5151 Corporate Dr., Troy, MI 48098,

online: flagstar.com/myloans or fax: (866) 234-9845. We will contact you within five business days to acknowledge receipt

and let you know if you need to send additional information or documents. Please include your loan number on all pages

submitted for review.

We will use the information you provide to help us identify the assistance you may be eligible to receive. If you need help

completing this application, please call Flagstar Bank at (800) 393-4887.

For a list of HUD-approved housing counseling agencies that can provide foreclosure prevention information, contact one of

the following federal government agencies:

• The U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or hud.gov/counseling

• The Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or consumerfinance.gov/mortgagehelp

If you need assistance with translation or other language assistance, HUD-approved housing counseling agencies may be able

to assist you. These services are provided without charge.

Borrower Information

Borrower’s name: _______________________________________________________________________________________

Social Security Number (last 4 digits): ___________________

Email address: ________________________________________________________________________________________

Primary phone number: __________________________________________________  Cell  Home  Work  Other

Alternate phone number: _________________________________________________  Cell  Home  Work  Other

Co-Borrower’s name: ____________________________________________________________________________________

Social Security Number (last 4 digits): ___________________

Email address: ________________________________________________________________________________________

Primary phone number: _________________________________________________  Cell

 Home

 Work

 Other

Alternate phone number: ________________________________________________  Cell  Home  Work  Other

Preferred contact method (choose all that apply):  Cell phone  Home phone  Work phone  Email

Is either borrower on active duty with the military (including the National Guard and Reserves), the dependent of a borrower

on active duty, or the surviving spouse of a member of the military who was on active duty at the time of death?  Yes  No

Property Information

Property address: _______________________________________________________________________________________

Mailing address (if different from property address): ___________________________________________________________

• The property is currently:  A primary residence  A second home  An investment property

• The property is (select all that apply):  Owner occupied  Renter occupied  Vacant

• I want to:  Keep the property  Sell the property  Transfer ownership of the property to my servicer  Undecided

Is the property listed for sale?  Yes  No – If yes, provide the listing agent’s name and phone number or indicate “for sale

by owner,” if applicable: _______________________________________________________________________________

Is the property subject to condominium or homeowners association (HOA) fees?  Yes  No – If yes, indicate monthly dues:

$_________________

Fannie Mae/Freddie Mac Form 710 Page 1 of 4



March 2020

Loan Number____________________

Hardship Information

The hardship causing mortgage payment challenges began on approximately (date) __________________ and is believed to be:

 Short-term (up to 6 months)

 Long-term or permanent (greater than 6 months)

 Resolved as of (date) _______________________

TYPE OF HARDSHIP (CHECK ALL THAT APPLY) REQUIRED HARDSHIP DOCUMENTATION



A signed written explanation describing the details of the

hardship and any relevant documentation

 Reduction in income: a hardship that has caused a

decrease in your income due to circumstances outside

your control (e.g., elimination of overtime, reduction

in regular working hours, a reduction in base pay)



A signed written explanation describing the details of the

hardship and any relevant documentation

 Increase in housing-related expenses: a hardship that

has caused an increase in your housing expenses due

to circumstances outside your control (e.g., uninsured

losses, increased property taxes, HOA special

assessment)



A signed written explanation describing the details of the

hardship and any relevant documentation

 Disaster (natural or man-made) impacting the

property or borrower's place of employment



A signed written explanation describing the details of the

hardship and any relevant documentation

 Long-term or permanent disability, or serious illness

of a borrower/co-borrower or dependent family

member

 Written statement from the borrower, or other

documentation verifying disability or illness

Note: Detailed medical information is not required, and

information from a medical provider is not required

 Divorce or legal separation  Final divorce decree or final separation agreement OR

 Recorded quitclaim deed

 Separation of borrowers unrelated by marriage, civil

union, or similar domestic partnership under

applicable law

 Recorded quitclaim deed OR

 Legally binding agreement evidencing that the non-

occupying borrower or co-borrower has relinquished all

rights to the property

 Death of borrower or death of either the primary or

secondary wage earner

 Death certificate OR

 Obituary or newspaper article reporting the death

 Distant employment transfer/relocation 

For active duty service members: Permanent Change of

Station (PCS) orders or letter showing transfer

 For employment transfers/new employment: Copy o

signed offer letter or notice from employer showing

transfer to a new location or written explanation if

employer documentation not applicable, AND

 Documentation that reflects the amount of any relocation

assistance provided (not required for those with PCS

orders)

 Other – hardship that is not covered above:

_______________________________________________



A signed written explanation describing the details of the

hardship and any relevant documentation

Fannie Mae/Freddie Mac Form 710

Page 2 of 4  March 2020

Loan Number____________________

 Unemployment

Actively Seeking Employment?  Yes  No

Borrower Income

Please enter all borrower income amounts in middle column.

MONTHLY TOTAL BORROWER INCOME TYPE & AMOUNT REQUIRED INCOME DOCUMENTATION

Gross (pre-tax) wages, salaries and

overtime pay, commissions, tips, and

bonuses

 Most recent pay stub and documentation of year-to-

date earnings if not on pay stub OR

 Two most recent bank statements showing income

deposit amounts

Self-employment income



Three most recent bank statements showing

self-employed income deposit amounts OR

 Most recent signed and dated quarterly or year-to-date

profit/loss statement OR

 Most recent complete and signed business tax return

 Most recent complete and signed individual federal

income tax return

Unemployment benefit income

 No documentation required

Taxable Social Security, pension,

disability, death benefits, adoption

assistance, housing allowance, and

other public assistance

 Two most recent bank statements showing deposit

amounts OR

 Award letters or other documentation showing the

amount and frequency of the benefits

Non-taxable Social Security or disability

income

 Two most recent bank statements showing deposit

amounts OR

 Award letters or other documentation showing the

amount and frequency of the benefits

Rental income (rents received, less

expenses other than mortgage

expense)

 Two most recent bank statements demonstrating

receipt of rent OR

 Two most recent deposited rent checks

Investment or insurance income

 Two most recent investment statements OR

 Two most recent bank statements supporting receipt

of the income

Other sources of income not listed

above (Note: Only include alimony,

child support, or separate maintenance

income if you choose to have it

considered for repaying this loan)

 Two most recent bank statements showing receipt of

income OR

 Other documentation showing the amount and

frequency of the income

Current Borrower Assets

Exclude retirement funds such as a 401(k) or Individual Retirement Account (IRA), and college savings accounts such as a

529 plan.

Checking account(s) and cash on hand $

Savings, money market funds, and Certificates of Deposit (CDs) $

Stocks and bonds (non-retirement accounts) $

Other: $

Fannie Mae/Freddie Mac Form 710

Page 3 of 4  March 2020

Loan Number____________________

Borrower Certification and Agreement

I certify and acknowledge that all of the information in this Mortgage Assistance Application is truthful, and the hardship I

identified contributed to my need for mortgage relief. Knowingly submitting false information may violate federal and

other applicable law.

2. I agree to provide my servicer with all required documents, including any additional supporting documentation as

requested, and will respond in a timely manner to all servicer or authorized third party* communications.

3. I acknowledge and agree that my servicer is not obligated to offer me assistance based solely on the representations in

this document or other documentation submitted in connection with my request.

4. I consent to the servicer or authorized third party* obtaining a current credit report for the borrower and co-borrower.

I consent to the disclosure by my servicer, authorized third party,* or any investor/guarantor of my mortgage loan(s), of

any personal information collected during the mortgage assistance process and of any information about any relief I

receive, to any third party that deals with my first lien or subordinate lien (if applicable) mortgage loan(s), including

Fannie Mae, Freddie Mac, or any investor, insurer, guarantor, or servicer of my mortgage loan(s) or any companies that

provide support services to them, for purposes permitted by applicable law. Personal information may include, but is not

limited to: (a) my name, address, telephone number, (b) my Social Security Number, (c) my credit score, (d) my income,

and (e) my payment history and information about my account balances and activity.

6. I agree that the terms of this borrower certification and agreement will apply to any modification trial period plan,

repayment plan, or forbearance plan that I may be offered based on this application. If I receive an offer for a

modification trial period plan or repayment plan, I agree that my first timely payment under the plan will serve as

acceptance of the plan.

I consent to being contacted concerning this application for mortgage assistance at any telephone number, including

mobile telephone number, or email address I have provided to the lender, servicer, or authorized third party.*

* An authorized third party may include, but is not limited to, a housing counseling agency, Housing Finance Agency (HFA)

or other similar entity that is assisting me in obtaining a foreclosure prevention alternative.

Borrower signature: _________________________________________________ Date: _________________________

Co-Borrower signature: ______________________________________________ Date: _________________________

Please submit your completed application, together with the required documentation, to Flagstar Bank via

mail: Loss Mitigation Department, W-110-2, 5151 Corporate Dr., Troy, MI 48098, online: flagstar.com/

myloans or fax: (866) 234-9845. We will contact you within five business days to acknowledge receipt and

let you know if you need to send additional information or documents. Please include your loan number on all

pages submitted for review.

We will use the information you provided to help us identify the assistance you may be eligible to receive.

Fannie Mae/Freddie Mac Form 710

Page 4 of 4  March 2020

Loan Number____________________

I understand, acknowledge, and agree that the Servicer and Other Loan Participants can use and share tax return

information for purposes of servicing a loan or as otherwise permitted by applicable laws, including state and

federal privacy and data security laws. The Servicer includes the Servicer’s affiliates, agents, service providers and

any of aforementioned parties’ successors and assigns. The Other Loan Participants includes any actual or potential

owners of a loan resulting from your loan application, loss mitigation application, or acquirers of any beneficial or

other interest in the loan, any mortgage insurer, guarantor, any servicers or service providers for these parties and

any of aforementioned parties’ successors and assigns.

**Pleaseincludeallitemsyouarecurrentlyresponsiblefor,evenifyouare notcurrentonthosepayments**

FinancialInformationStatement Borrower Co‐Borrower

Howmanypeopleareinthe

household?(includingyourself)

INCO M E

MonthlyNet Income

fromEmployment

FrequencyofPayPeriod

MonthlyGovernmentBenefits

andInsuranceIncome

MonthlyUnemploymentIncome

MonthlyRentalIncome

MonthlyAlimonyIncome

MonthlyChild SupportIncome

OtherMonthlyIncome

Please describe other below:

TotalMonthlyIncome 

Monthly Family Expenses

(Out of Pocket)



Monthly Auto Maintenance/Gas

Monthly Food

Monthly Medical/Dental (Out of

pocket costs, not premium)

Monthly Alimony Paid

Monthly Child Support Paid

Monthly Child Care

Monthly Entertainment

Monthly School Tuition

OtherMonthlyFamily Expenses

Please describe other below:

TotalMonthlyFamilyExpenses

Loss Mitigation Application FormExpenseBreakdown

March 2020

Loan Number____________________

Monthly Auto Insurance

Monthly Health/Dental Premium

Monthly Life Insurance

Borrower

Co‐Borrower

HOMEEXPENSES‐PRIMARY

RESIDENCE

st

LienMo nthlyPayment

nd

LienMonthlyPayment

MonthlyRentPayment

MonthlyHOADues

MonthlyPropTaxes&Ins(ifnot

includedinpayment)

MonthlyHomeRepairs

MonthlyCableTV

MonthlyElectricity

MonthlyNaturalGas

MonthlyPhone/Internet

MonthlySewer/Water

Other Monthly Home Expenses

Please describe other below:

TotalMonthlyHome Expenses

March 2020

Loan Number____________________

Co‐Borr ower

Borrower

HOMEEXPENSES‐SECOND HOME

st

LienMo nthlyPayment

nd

LienMonthlyPayment

MonthlyRentPayment

MonthlyHOADues

Monthly

PropTaxes&Ins(ifnot

inclu

ded



payment)

MonthlyHomeRepairs

MonthlyCableTV

MonthlyElectricity

MonthlyNaturalGas

MonthlyPhone/Internet

MonthlySewer/Water

Other Monthly H

ome Expenses

ease descri

be othe

r be

ow:

Co‐Borr ower

Borrower

OBLIGATIONS

DEBT‐AUTO

MonthlyAutoPayments1

MonthlyAutoPayments2

TotalMonthlyAutoPayments

DEBT‐CREDITCA RD 

MonthlyCreditCardPayment1

MonthlyCreditCardPayment2

MonthlyCreditCardPayment3

MonthlyCreditCardPayment4

TotalMonthlyCreditCard

Payments

Total Monthly Obligations

ASSETS VALUE AMOUNTOWED

Property1

Property2

401KAccounts



CheckingAccounts

SavingsAccounts

IRA/KeoghAccounts

Stocks/Bonds

OtherRealEstate

OtherAssets

Please describe other below:

March 2020

Loan Number____________________

Co‐Borr ower

Borrower

Monthly Student Loan Payment

Other Monthly Obligations

Pleasedescribeotherbelow:

Borrower signature: ___________________________________________________ Date: ________________

Co-Borrower signature: _________________________________________________ Date: ________________

Form

4506-T

(June 2019)

Department of the Treasury

Internal Revenue Service

Request for Transcript of Tax Return

Do not sign this form unless all applicable lines have been completed.

Request may be rejected if the form is incomplete or illegible.

For more information about Form 4506-T, visit www.irs.gov/form4506t.

OMB No. 1545-1872

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using

our automated self-help service tools. Please visit us at IRS.gov and click on “Get a Tax Transcript...” under “Tools” or call 1-800-908-9946. If you need a copy

of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.

1a Name shown on tax return. If a joint return, enter the name

shown first.

1b First social security number on tax return, individual taxpayer identification

number, or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return.

2b Second social security number or individual taxpayer

identification number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)

4 Previous address shown on the last return filed if different from line 3 (see instructions)

5 Customer file number (if applicable) (see instructions)

Note: Effective July 2019, the IRS will mail tax transcript requests only to your address of record. See What’s New under Future Developments on

Page 2 for additional information.

Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form

number per request.

a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect

changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series,

Form 1065, Form 1120, Form 1120-A, Form 1120-H, Form 1120-L, and Form 1120S. Return transcripts are available for the current year

and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days ......

Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty

assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability

and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days .

c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account

Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days ......

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available

after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . .

Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from

these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this

transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For

example, W-2 information for 2016, filed in 2017, will likely not be available from the IRS until 2018. If you need W-2 information for retirement

purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 10 business days .

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed

with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.

9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four

years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter

each quarter or tax period separately.

Caution: Do not sign this form unless all applicable lines have been completed.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax

information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more

shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I

certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note: This form must be received by IRS within 120 days of the

signature date.

Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she

has the authority to sign the Form 4506-T. See instructions.

Phone number of taxpayer on line

1a or 2a

Sign

Here

Signature (see instructions) Date

Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

Cat. No. 37667N

Form 4506-T (Rev. 6-2019)

/ / / / / / / /

Form 4506-T (Rev. 6-2019)

Page 2

Section references are to the Internal Revenue Code unless

otherwise noted.

Future Developments

For the latest information about Form 4506-T and its

instructions, go to www.irs.gov/form4506t. Information about

any recent developments affecting Form 4506-T (such as

legislation enacted after we released it) will be posted on that

page.

What’s New. As part of its ongoing efforts to protect

taxpayer data, the Internal Revenue Service announced that

in July 2019, it will stop all third-party mailings of requested

transcripts. After this date masked Tax Transcripts will only

be mailed to the taxpayer’s address of record.

If a third-party is unable to accept a Tax Transcript mailed to

the taxpayer, they may either contract with an existing IVES

participant or become an IVES participant themselves. For

additional information about the IVES program, go to

www.irs.gov and search IVES.

General Instructions

Caution: Do not sign this form unless all applicable lines

have been completed.

Purpose of form. Use Form 4506-T to request tax return

information. Taxpayers using a tax year beginning in one

calendar year and ending in the following year (fiscal tax year)

must file Form 4506-T to request a return transcript.

Note: If you are unsure of which type of transcript you need,

request the Record of Account, as it provides the most

detailed information.

Customer File Number. The transcripts provided by the IRS

have been modified to protect taxpayers' privacy. Transcripts

only display partial personal information, such as the last four

digits of the taxpayer's Social Security Number. Full financial

and tax information, such as wages and taxable income, are

shown on the transcript.

An optional Customer File Number field is available to use

when requesting a transcript. This number will print on the

transcript. See Line 5 instructions for specific requirements.

The customer file number is an optional field and not

required.

Tip. Use Form 4506, Request for Copy of Tax Return, to

request copies of tax returns.

Automated transcript request. You can quickly request

transcripts by using our automated self-help service tools.

Please visit us at IRS.gov and click on “Get a Tax

Transcript...” under “Tools” or call 1-800-908-9946.

Where to file. Mail or fax Form 4506-T to the address below

for the state you lived in, or the state your business was in,

when that return was filed. There are two address charts: one

for individual transcripts (Form 1040 series and Form W-2)

and one for all other transcripts.

If you are requesting more than one transcript or other

product and the chart below shows two different addresses,

send your request to the address based on the address of

your most recent return.

Chart for individual transcripts

(Form 1040 series and Form W-2

and Form 1099)

If you filed an

individual return and

lived in:

Mail or fax to:

Alabama, Kentucky, Louisiana,

Mississippi, Tennessee,

Texas, a foreign country,

American Samoa, Puerto Rico,

Guam, the Commonwealth of

the Northern Mariana Islands,

the U.S. Virgin Islands, or

A.P.O. or F.P.O. address

Internal Revenue Service

RAIVS Team

Stop 6716 AUSC

Austin, TX 73301

855-587-9604

Alaska, Arizona, Arkansas,

California, Colorado, Hawaii,

Idaho, Illinois, Indiana, Iowa,

Kansas, Michigan, Minnesota,

Montana, Nebraska, Nevada,

New Mexico, North Dakota,

Oklahoma, Oregon, South

Dakota, Utah, Washington,

Wisconsin, Wyoming

Internal Revenue Service

RAIVS Team

Stop 37106

Fresno, CA 93888

855-800-8105

Connecticut, Delaware, District

of Columbia, Florida, Georgia,

Maine, Maryland,

Massachusetts, Missouri, New

Hampshire, New Jersey, New

York, North Carolina, Ohio,

Pennsylvania, Rhode Island,

South Carolina, Vermont,

Virginia, West Virginia

Internal Revenue Service

RAIVS Team

Stop 6705 S-2

Kansas City, MO 64999

855-821-0094

Chart for all other transcripts

If you lived in

or your business was

in:

Mail or fax to:

Alabama, Alaska, Arizona,

Arkansas, California,

Colorado, Connecticut,

Delaware, District of

Columbia, Florida, Georgia,

Hawaii, Idaho, Illinois,

Indiana, Iowa, Kansas,

Kentucky, Louisiana,

Maryland, Michigan,

Minnesota, Mississippi,

Missouri, Montana,

Nebraska, Nevada, New

Jersey, New Mexico, North

Carolina, North Dakota, Ohio,

Oklahoma, Oregon, Rhode

Island, South Carolina, South

Dakota, Tennessee, Texas,

Utah, Virginia, Washington,

West Virginia, Wisconsin,

Wyoming, a foreign country,

American Samoa, Puerto

Rico, Guam, the

Commonwealth of the

Northern Mariana Islands,

the U.S. Virgin Islands,

A.P.O. or F.P.O. address

Internal Revenue Service

RAIVS Team

P.O. Box 9941

Mail Stop 6734

Ogden, UT 84409

855-298-1145

Maine, Massachusetts, New

Hampshire, New York,

Pennsylvania, Vermont

Internal Revenue Service

RAIVS Team

Stop 6705 S-2

Kansas City, MO 64999

855-821-0094

Line 1b. Enter your employer identification number (EIN) if

your request relates to a business return. Otherwise, enter the

first social security number (SSN) or your individual taxpayer

identification number (ITIN) shown on the return. For

example, if you are requesting Form 1040 that includes

Schedule C (Form 1040), enter your SSN.

Line 3. Enter your current address. If you use a P.O. box,

include it on this line.

Line 4. Enter the address shown on the last return filed if

different from the address entered on line 3.

Note: If the addresses on lines 3 and 4 are different and you

have not changed your address with the IRS, file Form 8822,

Change of Address. For a business address, file Form 8822-

B, Change of Address or Responsible Party — Business.

Line 5b. Enter up to 10 numeric characters to create a unique

customer file number that will appear on the transcript. The

customer file number should not contain an SSN.

Completion of this line is not required.

Note. If you use an SSN, name or combination of both, we

will not input the information and the customer file number

will reflect a generic entry of “9999999999” on the transcript.

Line 6. Enter only one tax form number per request.

Signature and date. Form 4506-T must be signed and dated

by the taxpayer listed on line 1a or 2a. The IRS must receive

Form 4506-T within 120 days of the date signed by the

taxpayer or it will be rejected. Ensure that all applicable lines

are completed before signing.

CAUTION

You must check the box in the signature area

to acknowledge you have the authority to sign

and request the information. The form will not

be processed and returned to you if the

box is unchecked.

Individuals. Transcripts of jointly filed tax returns may be

furnished to either spouse. Only one signature is required.

Sign Form 4506-T exactly as your name appeared on the

original return. If you changed your name, also sign your

current name.

Corporations. Generally, Form 4506-T can be signed by:

(1) an officer having legal authority to bind the corporation, (2)

any person designated by the board of directors or other

governing body, or (3) any officer or employee on written

request by any principal officer and attested to by the

secretary or other officer. A bona fide shareholder of record

owning 1 percent or more of the outstanding stock of the

corporation may submit a Form 4506-T but must provide

documentation to support the requester's right to receive the

information.

Partnerships. Generally, Form 4506-T can be signed by

any person who was a member of the partnership during any

part of the tax period requested on line 9.

All others. See section 6103(e) if the taxpayer has died, is

insolvent, is a dissolved corporation, or if a trustee, guardian,

executor, receiver, or administrator is acting for the taxpayer.

Note: If you are Heir at law, Next of kin, or Beneficiary you

must be able to establish a material interest in the estate or

trust.

Documentation. For entities other than individuals, you

must attach the authorization document. For example, this

could be the letter from the principal officer authorizing an

employee of the corporation or the letters testamentary

authorizing an individual to act for an estate.

Signature by a representative. A representative can sign

Form 4506-T for a taxpayer only if the taxpayer has

specifically delegated this authority to the representative on

Form 2848, line 5. The representative must attach Form 2848

showing the delegation to Form 4506-T.

Privacy Act and Paperwork Reduction Act Notice. We ask

for the information on this form to establish your right to gain

access to the requested tax information under the Internal

Revenue Code. We need this information to properly identify

the tax information and respond to your request. You are not

required to request any transcript; if you do request a

transcript, sections 6103 and 6109 and their regulations

require you to provide this information, including your SSN or

EIN. If you do not provide this information, we may not be

able to process your request. Providing false or fraudulent

information may subject you to penalties.

Routine uses of this information include giving it to the

Department of Justice for civil and criminal litigation, and

cities, states, the District of Columbia, and U.S.

commonwealths and possessions for use in administering

their tax laws. We may also disclose this information to other

countries under a tax treaty, to federal and state agencies to

enforce federal nontax criminal laws, or to federal law

enforcement and intelligence agencies to combat terrorism.

You are not required to provide the information requested

on a form that is subject to the Paperwork Reduction Act

unless the form displays a valid OMB control number. Books

or records relating to a form or its instructions must be

retained as long as their contents may become material in the

administration of any Internal Revenue law. Generally, tax

returns and return information are confidential, as required by

section 6103.

The time needed to complete and file Form 4506-T will

vary depending on individual circumstances. The estimated

average time is: Learning about the law or the form, 10

min.; Preparing the form, 12 min.; and Copying,

assembling, and sending the form to the IRS, 20 min.

If you have comments concerning the accuracy of these

time estimates or suggestions for making Form 4506-T

simpler, we would be happy to hear from you. You can write

to:

Internal Revenue Service

Tax Forms and Publications Division

1111 Constitution Ave. NW, IR-6526

Washington, DC 20224

Do not send the form to this address. Instead, see Where

to file on this page.

THIRD-PARTY AUTHORIZATION FORM

flagstar.com

Loan Number:

**********

Rev. 0417

Complete and sign this Third Party Authorization form to authorize someone other than yourself to access your Flagstar Bank

Mortgage Loan Account information. IMPORTANT: Once completed and signed , please mail or fax to:

Mail: Flagstar Bank | Third Party Authorization | E-115-3 | 5151 Corporate Drive | Troy, MI 48098 Fax: (888) 848-1071

Please PRINT

Section 1- Your Contact and Mortgage Loan Account Information

First Name Middle Name Last Name

Last 4 Digits of Social Security Number

Best Phone Number

Section 2- Authorized Third Party

Expiration date for authorization:

Loan maturity or

Input date:

(Note: If no date is selected, the authorization will be valid for two years from the date signed below)

Type of Authorization:

Individual

Company

Authorization Description:

Realtor

Attorney

Appraiser

Other:

Name (Please note: It is not necessary to list individual names for a company authorization)

Address City State Zip

Best Phone Number Fax Email

Section 3- Your Authorization

The authorized third party can:

• Obtain loan details information by telephone

• Discuss payment arrangements with the Collections Department

• Discuss the Loss Mitigation application process

• Submit request to send documents that do not require a fee, such as a Transaction History Ledger, or an Original Appraisal.

(can only be mailed to address of record)

• Submit request to re-send letter/package/document, such as a Monthly Statement, 1098, Escrow Analysis Disclosure, Rate/Payment,

Change Notice, Loan Sale Transfer Notice, etc. (can only be mailed to address of record.)

• Request research to resolve matters

By signing this form, I authorize Flagstar Bank to provide loan information regarding the Mortgage Loan Account referenced above

to the Authorized Party or to someone claiming to be the Authorized Party. I understand that this Third Party Authorization allows only for information

to be provided by telephone and the actions described above. Flagstar may reject this or any other Third Party Authorization or refuse to recognize

any request for information from the Authorized Party. This Third Party Authorization shall remain in effect until I revoke this authorization. I or any

other borrower on this loan may revoke this Third Party Authorization at any time in writing via fax or mail.

In the event your loan is transferred to a new servicer, the authorization established by this form will no longer be effective. Our liability/obligations

remain to the customer and the presence of a representative should not create additional direct or derivative liability for the Bank.

Borrower Signature: Date:

Co-borrower Signature: Date:

Member FDIC

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