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GETSTARTEDusethischecklisttoensureyouhavecompletedallrequiredformsandhavetherightinformation.
Step1 Reviewtheinformationprovidedtohelpyouunderstandyouroptions,responsibilities,andnextsteps:
AvoidingForeclosure FrequentlyAskedQuestions BewareofForeclosureRescue
Scams
Step2 Completeandsigntheenclosed Loss Mitigation Application.Mustbe signedbyallborrowersonthe
mortgage(notarizationisnotrequired) andmustinclude:
Allincome,expenses,andassetsforeachborrower.
Anexplanationoffinancialhardshipthatmakesitdifficulttopaythemortgage.
Youracknowledgmentandagreementthatallinformationthatyouprovideistrueandaccurate.
Step3 Completeandsignadatedcopy of the enclosed IRS 4506-T Form
Foreachborrower,pleasesubmitasigned, datedcopy of IRS4506-T Form.
For borrowers who filed their tax returns jointly, please submit one IRS 4506-T Form signed and
Step4 Provide the required Hardship Documentation that will be used to verify your hardship.
FollowtheinstructionssetforthontheLoss Mitigation Application (enclosed).
Step5
ProviderequiredIncomeDocumentation. This documentation will be usedtoverifyyourhardshipand
allofyourincome(Notice:Alimony,childsupportorseparatemaintenanceincomeneednotbe
revealedi
f
youdonotchooseto have it consideredfor repaying this loan).
FollowtheinstructionssetforthontheLoss Mitigation Application(enclosed).
Youmayalsodiscloseanyincomefromahouseholdmemberwhoisnotonthepromissorynote(non‐
borrower),suchasarelative,spouse,domesticpartner,orfiancéwhooccupiesthepropertyasa
primaryresidence.Ifyouelecttodiscloseandrelyuponthisincometoqualify,therequiredincome
documentationisthesameastheincomedocumentationrequiredforaborrower.SeePage2ofthe
Loss Mitigation Applicationforspecificdetailsonincomedocumentation.
Step6 Gatherand send completeddocuments (signed and dated)—yourLoss Mitigation Application.
Youmustsendinallrequireddocumentationlistedinsteps24above,andsummarizedbelow:
Loss Mitigation Application(enclosed)
IRS 4506-T Form(enclosed)
HardshipDocumentationasoutlinedonPage2oftheLoss Mitigation Application(enclosed)
IncomeDocumentationasoutlinedonPage3oftheLoss Mitigation Application (enclosed)
DetailedExpensesBreakdown(enclosed)
Optional: ThirdPartyAuthorization(enclosed)
Pleasesendalldocumentsabovetous
using any of the methods below:
IMPORTANTREMINDERS:
Ifyoucannotprovidethedocumentationwithinthetimeframeprovided,haveothertypesofincomenot
specifiedonPage2oftheLoss Mitigation Application,cannotlocatesomeoralloftherequireddocuments,
documents, ORhaveanyquestions,pleasecallusat(800) 3934887, Monday-Friday 8:30 a.m.-7 p.m.
Keepacopyofalldocumentsandproofofmailing/submissionforyourrecords.Don’tsendoriginalincomeor
hardshipdocuments.Copiesareacceptable.
Questions?Call us at (800) 3934887
Loss Mitigation Application HomeownerChecklist
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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MortgageProgramsAreAvailabletoHelp
Thereareavarietyofprogramsavailabletohelpyouresolveyourdelinquencyandkeepyourhome.Youmaybe
eligibletorefinanceormodifyyourmortgagetomakeyourpaymentsandtermsmoremanageable,forinstance,
loweringyourmonthlypaymenttomakeitmoreaffordable.Or,ifyouhavemissedafewpayments,youmay
qualifyforatemporary(orpermanent)
solutiontohelpyougetyourfinancesbackontrack.Dependingonyour
circumstances,stayinginyourhomemaynotbepossible.Inthiscase,ashortsaleordeedinlieuofforeclosure
maybeabetterchoicethanforeclosureseethetablebelowformoreinformation:
OPTIONSTOSTAY
INYOURHOME
OVERVIEW BENEFIT
Refinance
Receiveanewloanwith lower interest rate or
otherfavorableterms.
Makesyourpaymentortermsmoreaffordable.
Reinstatement
Paythetotal outstanding paymentsowed, in
a lump sum,byaspecificdate. Thismay
followaforbearanceplanasdescribedbelow.
Allows you to avoidforeclosureby bringing your
mortgagecurrentifyoucanshowyouhave
fundsthatwillbecomeavailableataspecific
dateinthefuture.
RepaymentPlan
Paybackyourpastduepayments together
withyourregularpaymentsoveranextended
periodoftime.
Allows you time tocatchuponlate payments
withouthavingtocomeupwithalumpsum.
ForbearancePlan
Makereducedmortgage payments or no
mortgagepaymentsforaspecificperiodof
time.
Have time to improveyourfinancial situation
andgetbackonyourfeet.
Modification
Receivemodifiedterms of your mortgage to
makeitmoreaffordableormanageableafter
successfullymakingpaymentsduringa“trial
period”(thatis,completingathree‐orfour
monthtrialperiodplan)thatapproximatethe
modifiedpayment.
Permanently modifiesyourmortgage so that
yourpaymentsortermsaremoremanageable
asapermanentsolutiontoalongtermor
permanenthardship.
OPTIONSTOLEAVE
YOURHOME
OVERVIEW BENEFIT
ShortSale
Sellyourhomeandpay off a portion of your
mortgagebalancewhenyouowemoreonthe
homethanitisworth.
Allows you to transitionoutofyour home
withoutgoingthroughforeclosure.Insome
cases,relocationassistance maybeavailable.
MortgageRelease
(DeedinLieuof
Foreclosure)
Transfertheownershipofyourpropertytous.
Allows you to transitionoutofyour home
withoutgoingthroughforeclosure.Insome
cases,relocationassistance maybeavailable.
WeWanttoHelp
Takeactionandgainpeaceofmindandcontrolofyoursituation.CompleteandreturntheLoss Mitigation
Applicationtostarttheprocessofgettingthehelpyouneednow.
InformationonAvoidingForeclosure
ForYourInformationOnly‐Do Not Returnwith Your Loss Mitigation Application
March 2020
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1.
WhyDidIReceivethisPackage?
You received this package because you have either requested loss mitigation assistance, or because we have not
receivedoneormoreofyourmonthlymortgagepaym entsandwanttohelpyoukeepyourhomeifatallpossible.By
completingthispackage,wecanworktogetheratexploringoptionsthatmayhelpresolveanytemporaryorlongterm
financialchallengeyoufaceinmakingyourmortgagepayments.
2. WhereCanIFindMoreInformationonForeclosurePrevention?
PleaseseetheAvoidingForeclosureenclosureinthispackageformoreinformation,oryoucancallFlagstarBank
at(800) 3934887.
3. WhatifIDon
’tWanttoStayinMyHomeAnymore?
Youmayhavegoodreasonsforneedingtoleaveyourproperty,suchasajobrelocation,adivorce,financialhardship
duetothedeathofaborrower,orsomeotherreasonpreventingyoufromkeepingyourproperty.Ifyouintendto
transitionoutofyourhome,pleaseindicatethatyouwanttosellorvacatethepropertyonpage1oftheattached
Loss Mitigation Application
andwemayfirstevaluateyouforashortsaleorMortgageRelease(deedinlieuof
foreclosure).Evenifyouareapprovedforoneofthoseworkoutsolutions,wemayconsideryouforamortgageloan
modification.
4.
WillitCostMoneytoGetHelp?
Thereshouldneverbeafeefromyourservicerorqualifiedcounselortoobtainassistan c e orinformationabout
foreclosurepreventionoptions.However,foreclosurepreventionhasbecomeatargetforscamartists.Bewaryof
companiesorindividualsofferingtohelpyouforafee,andneversendamortgagepaymenttoanycompanyotherthan
theonelistedonyourmonthlymortgagestatementoronedesignatedtoreceiveyo urpaymentsunderastate
assistanceprogram.
5.
WhatHappensOnceIHaveSenttheLoss Mitigation Application toYou?
Wewillsendyouawrittennoticewithinfivebusinessdaysofourreceiptofyour Loss Mitigation Application to
confirmthatwehavereceivedyourpackageandwillreviewittodeterminewhetheritiscompleteorincomplete.Ifwe
determinethereismissinginformationordocumentation,wealsowillsendyouan
incompleteinformationnotice.We
cannotguaranteethatyouwillreceiveany(oraparticulartypeof)assistance.
Within30daysofreceiptofacompleteLoss Mitigation Application,wewillletyouknowwhichforeclosure
alternatives,ifany,
areavailabletoyouandwillinformyouofyournextstepstoacceptouroffer.However,ifwe
receiveyourcompleteLoss Mitigation Application37calendardaysorlessbeforeascheduledforeclosuresaledate,
wewillstrivetoprocessyourrequestasquicklyaspossible,butyoumaynotreceiveanoticeofincompletenessora
decisiononyourrequestpriortosale.PleasesubmityourLoss Mitigation Application assoonaspossible.
6.
WhatHappenstoMyMortgageWhileYouAreEvaluatingMyLoss Mitigation Application?
Youremainobligatedtomakeallmortgagepaymentsastheycomedue,evenwhileweareevaluatingthetypesof
assistancethatmaybeavailable.
7.
WilltheForeclosureProcessBeginifIDoNotRespondtothisLetter?
Depending on the status of your loan ifyoudonotrespondtothisletter,wemayreferyourloantoforeclosure
inaccordancewithyourmortgageloan
documentsandapplicablelaw.
Frequently Asked Questions
ForYourInformationOnly‐DoNotReturnwithYourLoss Mitigation Application
March 2020
April, 2018
Page 4 o
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5
FREQUENTLYASKEDQUESTIONScontinued
8. ShouldIStillContactYouifIHaveWaitedTooLongandMyPropertyHasBeenReferredtoanAttorneyfor
Foreclosure?
Yes,thesoonerthebetter!
9. WhatifMyPropertyisScheduledforaForeclosureSaleintheFuture?
IfwereceiveacompleteLoss Mitigation Application 37calendardaysorlessbeforeascheduledforeclosuresale,
thereisnoguaranteewecanevaluateyouforaforeclosurealternativeintimetostoptheforeclosuresale.Evenif
weareabletoapproveyouforaforeclosurealternativepriortoasale,acourtwithjurisdictionovertheforeclosure
proceeding(ifany)orpublicofficialchargedwithcarryingoutthesalemaynothaltthescheduledsale.
10.
WillMyPropertybeSoldataForeclosureSaleifIAcceptaForeclosureAlternative?
No.Theproperty
willnotbesoldataforeclosuresaleifyouacceptanofferforanalternativetoforeclosureand
compl
y
wi
thal
l
requ
i
r
ements.
11. WillMyCreditReportBeAffectedbyMyLatePaymentsorBeinginDefault?
Thedelinquencystatusofyourloanwillcontinue to bereportedtocreditreportingagenciesaswellasyourentryinto
aRepaymentPlan,ForbearancePlan,orTrialPeriodPlaninaccordancewiththerequirementsoftheFairCredit
ReportingActandtheConsumerDataIndustryAssociationrequirements.
12. WillMyCreditScoreBeAffectedifIAcceptaForeclosurePreventionOption?
Whiletheeffectonyourcredit willdependonyourindividualcredithistory,creditscoringcompaniesgenerallywould
consideryourentryintoaplanwithreducedpaymentsasincreasingyourcreditrisk.Asaresult,enteringintoaplan
withreducedpaymentsmayadverselyaffectyourcreditscore,particularlyifyouarecurrentonyourmortgageor
otherwisehaveagoodcreditscore. However,bringingyourloancurrentthroughareinstatement,RepaymentPlan,or
loanmodificationandcontinuingtomaketimelypaymentsmayimproveyourcreditscoreovertime.
13. IsForeclosurePreventionCounselingAvailable?
Yes,HUDapprovedcounselorsareavailabletoprovideyouwiththeinformationandassistanceyoumayneedto
avoidforeclosure.Youcanusethesearchtoolathud.gov/offices/hsg/sfh/hcc/fc/tofindacounselornearyou.
14. IHaveSeenAdsandFlyersFromCompaniesOfferingtoHelpMeAvoidForeclosureforaFee.AreThese
CompaniesontheLevel?
Foreclosurepreventionhasbecomeatargetforscamartists.WesuggestusingtheHUDwebsitereferencedin
question13tolocateacounselornearyou.Also,pleaserefertotheenclosed "Beware of Foreclosure Rescue
Scams" document for more information.
April, 2018
March 2020
Page 5 o
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5
Scamartistsarestealingmillionsofdollarsfromdistressed homeownersbypromisingimmediaterelieffrom
foreclosure,ordemandingcashforcounselingserviceswhenHUDapprovedcounseling agenciesprovidethesame
servicesforFREE.Ifyoureceiveanoffer,informationoradvicethatsoundstoogoodtobetrue,itprobablyis.Don'tlet
themtakeadvantageofyou,yoursituation,yourhouseoryourmoney.Remember,helpisFREE.
HowtoSpotaScambewareofacompanyorpersonwho:
Asksforafeeinadvancetoworkwithyourlendertomodify,refinance,orreinstateyourmortgage.
Guaranteestheycanstopaforeclosureorgetyourloanmodified.
Advisesyoutostoppayingyourmortgagecompanyandpaytheminstead.
Pressuresyoutosignoverthedeedtoyourhomeorsignanypaperworkthatyouhaven'thadachancetoread or
don'tfullyunderstand.
Claimstooffer"governmentapproved"or"officialgovernment"loanmodifications.
Asksyouto releasepersonalfinancialinformationonlineoroverthephoneandyouhavenotbeenworkingwith
thispersonand/ordonotknowthem.
HowtoReportaScamdooneofthefollowing:
Gotopreventloanscams.organdfillouttheLoanModificationScamPreventionNetwork’s(LMSPN)
complaintformonlineandgetmoreinformationonhowtofightback.Note:youcanalsofilloutthisform
andsendtothefaxnumber/email/address(yourchoice!)onthebackoftheform.
Call(888) 995HOPE(4673)andtellthecounseloraboutyoursituationandthatyoubelieveyougotscammedor
knowofascam.
BEWAREOFFORECLOSURERESCUESCAMSTIPS&WARNINGSIGNS
ForYourInformationOnly‐Do Not Returnwith Your Loss Mitigation Application
TheLoanModificationScamPreventionNetworkisanationalcoalitionofgovernmental
andprivateorganizationsledbyFannieMae,FreddieMac,NeighborWorksAmerica™
andtheLawyers’CommitteeforCivilRightsUnderLaw.
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
f
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
OR
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
1.
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.
5.
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.
8.
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.
7.
**Pleaseincludeallitemsyouarecurrentlyresponsiblefor,evenifyouare notcurrentonthosepayments**
FinancialInformationStatement Borrower CoBorrower
Howmanypeopleareinthe
household?(includingyourself)
INCO M E
MonthlyNet Income
fromEmployment
FrequencyofPayPeriod
MonthlyGovernmentBenefits
andInsuranceIncome
MonthlyUnemploymentIncome
MonthlyRentalIncome
MonthlyAlimonyIncome
MonthlyChild SupportIncome
OtherMonthlyIncome
Please describe other below:
TotalMonthlyIncome
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
OtherMonthlyFamily Expenses
Please describe other below:
TotalMonthlyFamilyExpenses
Loss Mitigation Application FormExpenseBreakdown
March 2020
Loan Number____________________
Monthly Auto Insurance
Monthly Health/Dental Premium
Monthly Life Insurance
Borrower
CoBorrower
HOMEEXPENSES‐PRIMARY
RESIDENCE
1
st
LienMo nthlyPayment
2
nd
LienMonthlyPayment
MonthlyRentPayment
MonthlyHOADues
MonthlyPropTaxes&Ins(ifnot
includedinpayment)
MonthlyHomeRepairs
MonthlyCableTV
MonthlyElectricity
MonthlyNaturalGas
MonthlyPhone/Internet
MonthlySewer/Water
Other Monthly Home Expenses
Please describe other below:
TotalMonthlyHome Expenses
March 2020
Loan Number____________________
CoBorr ower
Borrower
HOMEEXPENSES‐SECOND HOME
1
st
LienMo nthlyPayment
2
nd
LienMonthlyPayment
MonthlyRentPayment
MonthlyHOADues
Monthly
PropTaxes&Ins(ifnot
inclu
ded
in
payment)
MonthlyHomeRepairs
MonthlyCableTV
MonthlyElectricity
MonthlyNaturalGas
MonthlyPhone/Internet
MonthlySewer/Water
Other Monthly H
ome Expenses
Pl
ease descri
be othe
r be
l
ow:
CoBorr ower
Borrower
OBLIGATIONS
DEBTAUTO
MonthlyAutoPayments1
MonthlyAutoPayments2
TotalMonthlyAutoPayments
DEBTCREDITCA RD
MonthlyCreditCardPayment1
MonthlyCreditCardPayment2
MonthlyCreditCardPayment3
MonthlyCreditCardPayment4
TotalMonthlyCreditCard
Payments
Total Monthly Obligations
ASSETS VALUE AMOUNTOWED
Property1
Property2
401KAccounts
CheckingAccounts
SavingsAccounts
IRA/KeoghAccounts
Stocks/Bonds
OtherRealEstate
OtherAssets
Please describe other below:
March 2020
Loan Number____________________
CoBorr ower
Borrower
Monthly Student Loan Payment
Other Monthly Obligations
Pleasedescribeotherbelow:
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
a
Do not sign this form unless all applicable lines have been completed.
a
Request may be rejected if the form is incomplete or illegible.
a
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.
6
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
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 ......
b
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 . .
8
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
F
Signature (see instructions) Date
F
Title (if line 1a above is a corporation, partnership, estate, or trust)
F
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.
F
!
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