Keep Your Home Event August 29, 2009

YOU MAY BE ELIGIBLE FOR A LOAN MODIFICATION IF YOU:

♦ Are behind on your mortgage or at risk of falling behind due to a hardship;
♦ Are an owner-occupant of a 1 to 4 unit property;
♦ Have a loan that was originated before January 1, 2009; and
♦ Have income that will support monthly mortgage payments.*

*If unemployment benefits are your only source of income, we will not be able to assist you at this event. Please call your
mortgage servicer directly to explore options.

Note : If you have an FHA or VA loan, we will not be able to assist you at this event. Please call your mortgage servicer directly
to explore options.

In order to apply for a loan modification, ALL borrowers on the loan MUST be present and MUST bring copies of the following
documents or we will not be able to assist you at this event:

• Proof of income for all borrowers listed on the mortgage, including two most recent pay stubs
• Most recent tax return (2008 tax return with all schedules and W-2’s)
• Most recent mortgage statements for both first and second mortgage, if applicable
• Two most recent bank statements
• Account balances and monthly payments on all other debts including: property taxes, homeowner
association/condo fees, credit cards, student or car loans, child support and alimony
• Proof/documentation of income from any other sources such as alimony, child support (judgment
letter); Social Security income (award letter); profit-loss statement if you are self-employed
• Proof of Homeowners Insurance
• Most recent utility bill

Official Website: http://www.freddiemac.com/avoidforeclosure/pdf/Final_Cicero_Bilingual_Borrower_Seminar_Flyer_08-29-09.pdf