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					                                                                                                        FORM 1128
                                                                           LOSS MITIGATION TRANSMITTAL WORKSHEET
SERVICER INFO
Preparer's Name                                            Phone Number                              Fax Number                          Date Prepared


Servicer Name                                                       Servicer E-mail Address                                              Seller/Servicer Number


Servicer Address                                                                City                                            State           Zip


LOAN DATA
Freddie Mac Loan Number                             Servicer Loan Number                             Existing Note Rate         DDLPI
                                                                                                             0.000%
Existing            Modified Mortgage
Mortgage                                                                                      INTEREST RATE ADJUSTMENT SCHEDULE
                        Standard Modification       Home Affordable Modification
       Arm
                        Cap-to-Reinstate            Rate Change            Step Rate
       Fixed Rate
       Step Rate        Term Extension              Partial Principal Forbearance
                                                                                                  Years         Interest Rate     Interest Rate Change Date
Borrower Name                                                                                      1-5            0.000%                     01/00/00
                                                                                                    6             0.000%                     01/00/00
Co-Borrower Name                                                                                    7             0.000%                     01/00/00
                                                                                                    8             0.000%                     01/00/00
Property Address                                                                                    9             0.000%                     01/00/00
                                                                                                    10            0.000%                     01/00/00
City                                        State          Zip                                      11            0.000%                     01/00/00
                                                                                                 12 - [40]        0.000%                     01/00/00
MODIFICATION DATA
  1) Modified Note Rate                                                                                            1                    0.000%
       2) Accounting Net Yield                                                                                     2                    0.000%
       3) P&I Payment                                                                                              3                     $0.00
       4) Escrow Payment (optional)                                                                                4                     $0.00
       5) Monthly Payment (Sum lines 3 & 4)                                                                        5                     $0.00
       6) Effective Date of Loan Modification Interest Rate Change                                                 6                     1/1/00
       7) First Payment Due Date (Modification Effective Date)                                                     7                     1/0/00
       8) Term of Modification (months)                                                                            8                        0
   9) Maturity Date                                                                                                9                     1/0/00
  Current UPB Plus Additions
   10) Current UPB (pre-modification)                                                                             10                    $0.00
   11) Interest From DDLPI to Effective Date of Modification Interest Rate Change                                 11                    $0.00
   12) Other Amounts Advanced or to be Advanced                                                                   12                    $0.00
   13) Legal Fees and Costs                                                                                       13                    $0.00
   14) Property Preservation Expenses                                                                             14                    $0.00
   15) Total Additions plus Current UPB (Sum of lines 10-14)                                                      15                    $0.00
  Subtractions to Principal Balance
   16) Amount Held in Suspense/Restricted Escrow                                                                  16                    $0.00
   17) Borrower Cash Contribution to Reduce Capitalization                                                        17                    $0.00
   18) MI Contribution                                                                                            18                    $0.00
   19) Deferred Non-Interest Bearing UPB (if applicable)                                                          19                    $0.00
   20) Interest Bearing Modified UPB (Line 15 minus lines 16 thru 19)                                             20                    $0.00
AMOUNTS DUE AT CLOSING FROM BORROWER
   21) Borrower Cash Contribution (From Line 17)                                                                  21                    $0.00
   22) Amount to Fully Fund Escrow Account                                                                        22
   23) Closing Costs                    $0.00                                                                     23
   24) First Modified Monthly Payment (PITI)                                                                      24                    $0.00
   25) Other Expenses (Credit Report, Property Inspection, BPO, etc.)                                             25
   26) Total Cash Due from Borrower at Closing (Sum lines 21 thru 25)                                             26                    $0.00
INTEREST DIFFERENTIAL

   27) Gross Amount of Interest Differential (if applicable)                                                      27                    $0.00
SERVICER COMMENTS




 The Servicer acknowledges that Freddie Mac is relying on the accuracy of the foregoing information through the Effective Date of
   the modification and compliance with all relevant Guide requirements, and that the Servicer will be liable for any errors in the
                                             information submitted in this transmittal.




   Volume 2                                                                                                                                           Page F1128-1
   Bulletin 2011-16                                              Single-Family Seller/Servicer Guide                                                      09/12/11
Volume 2                                                 Page F1128-2
Bulletin 2011-16   Single-Family Seller/Servicer Guide       09/12/11
                                      LOSS MITIGATION TRANSMITTAL WORKSHEET
           INSTRUCTIONS FOR MORTGAGES MODIFIED UNDER THE CLASSIC MODIFICATION
 (PROGRAM EXPIRES DECEMBER 31, 2011 - FINAL SETTLEMENTS DUE BY FEBRUARY 28, 2012 AND LMTW
                                                             SUBMISSIONS BY MARCH 6, 2012)
LOAN DATA
Freddie Mac Loan Number                     The Freddie Mac assigned nine-digit loan number.
Servicer Loan Number                        The loan number assigned to the Mortgage by your organization.
                                            The interest rate payable under the existing note. For ARMs this is the interest rate
Existing Note Rate
                                            currently in effect (as of the most recent adjustment date if applicable).
                                            The Due Date of Last Paid Installment (DDLPI) is the Due Date of the last fully paid
DDLPI                                       monthly installment of principal, interest and Escrow (if any), (not the date on which
                                            such payment was credited or the date of the next scheduled installment).

                                            Complete the appropriate checkbox to indicate whether the existing Mortgage is a fixed-
                                            rate Mortgage or an ARM. Also check all boxes that apply to indicate whether the
Existing Mortgage/Modified Mortgage         modified Mortgage includes any of the following provisions: Mortgage modified under
(checkboxes)                                the Home Affordable Modification Program (HAMP); modification completed with a
                                            capitalization of arrearages to reinstate, a rate reduction, a rate reduction with a step
                                            rate feature, a term extension and a partial principal forbearance.

                                            Complete the interest rate adjustment schedule to reflect the beginning interest rate that
                                            is in effect for the first five years of the Mortgage and any subsequent annual
Interest Rate Adjustment Schedule
                                            adjustments that would be necessary to achieve the lifetime interest rate cap that has
                                            been determined at the time of qualifying the Borrower for the modification.

                                            The Borrower's name and exact property address, including street, city, state and zip.
Borrower Name and Property Address          This information should match the data that was delivered when the mortgage was sold
                                            to Freddie Mac. Include changes to the original delivery data in the comments section.

MODIFICATION DATA - Only to be completed if a loan modification has been approved
   1) Modified Note Rate                    Rate specified in the Freddie Mac approval letter

                                            The difference between the modified Note Rate and the Servicing Spread on the
   2) Accounting Net Yield                  modified Mortgage. (Reminder: The Servicing Spread on the modified Mortgage is the
                                            lower of 25bps (.25%) or the Servicing Spread on the Mortgage prior to modification.)

                                            Monthly principal and interest will be determined by modified rate, term and unpaid
   3) P & I Payment
                                            principal balance
                                            Calculate 1/12th of the annual escrow amounts for real estate taxes, hazard insurance
                                            premiums and mortgage insurance premiums.

   4) Escrow Payment (optional)             NOTE: This field is not required for settlement purposes and is optional input to reflect
                                            the full payment amount that will be collected from the Borrower. This field does not
                                            affect your remittance due to Freddie Mac. You may, however, need this information for
                                            workout decisioning purposes.
   5) Monthly Payment                       Monthly Payment equals sum of Lines 3 and 4
      Effective Date of Loan Modification   This is one month prior to the due date of the first modified installment due under the
   6)
      Interest Rate Change                  agreement.
                                            Due date of the first installment under the modified agreement as specified in the
   7) First Payment Due Date
                                            Freddie Mac approval letter.
   8) Term of Modification (Months)         Term of the modified Note in months as specified in the Freddie Mac approval letter.
                                            The maturity date of the modified Note will be determined by the term specified in the
   9) Maturity Date
                                            Freddie Mac approval letter.
  10) Current UPB (pre-modification)        Unpaid Principal Balance (UPB) prior to the Mortgage being modified.

                                            Interest calculated at pre-modified (existing) Note Rate from DDLPI to effective date of
                                            the loan modification (Line 6) provided the premodified Note Rate is fixed during the
                                            delinquency period and the UPB has not declined due to principal payments being
                                            posted during the delinquency period.
      Interest from DDLPI to Effective
  11) Date of Loan Modification Interest
                                            If the Note is an ARM or principal payments are posted against the Borrower's account,
      Rate Change
                                            interest must be calculated to reflect the aggregate sum of 1/12th of the interest rate in
                                            effect during each month of the delinquency period (from the DDLPI to the effective date
                                            of the loan modification (Line 6)) multiplied by the UPB at the beginning of each month
                                            during the delinquency period.

                                         The total of the Escrow payments that have been advanced, i.e. real estate taxes,
        Other Amounts Advanced or to be
  12)                                    hazard insurance premiums and mortgage insurance premiums that have been paid or
        Advanced
                                         amounts that will be due/advanced prior to the modification.
                                         The legal fees that will accrue through the closing date of the modification. The closing
  13) Legal Fees and Costs
                                         date is usually 10 days after the agreement is sent to the Borrower.
                                         Incurred property preservation expenses, not to exceed the reimbursable limits specified
  14) Property Preservation Expenses
                                         in Exhibit 57, 1- to 4-Unit Property Approved Expense Amounts
  15) Total Additions plus Current UPB   The sum of lines 10-14.
      Amount Held in Suspense/Restricted Any amounts held in suspense/restricted escrow that will be used to reduce the amount
  16)
      Escrow                             being added to the principal balance.
      Borrower Cash Contribution to      The contribution the Borrower is making beyond the closing costs and the first payment
  17)
      Reduce Capitalization              due.
                                         The amount the mortgage insurer will advance to reduce the amount of the modified
  18) MI Contribution
                                         balance.

Volume 2                                                                                                               Page F1128-2
Bulletin 2011-16                             Single-Family Seller/Servicer Guide                                           09/12/11
                                            For Mortgages with partial principal forbearance, the UPB that is deferred until the
        Deferred Non-Interest Bearing UPB
  19)                                       property has been sold, paid off or has reached the modified maturity date on a
        (if applicable)
                                            Mortgage with partial principal forbearance.
  20) Interest Bearing Modified UPB         Line 15 minus the sum of Lines 16 thru 19.
  21) Borrower Cash Contribution            Same as Line 17.
      Amount to Fully Fund Escrow
  22)                                       Not a required field.
      Account
  23) Closing Costs                         The cost of expenses such as title work necessary to close the modification.
                                            The estimated total mortgage payment (Line 5). This amount does not include any
        First Modified Monthly Payment
  24)                                       Escrow shortage amount that may be included as part of the Borrower's monthly
        (PITI)
                                            modified Mortgage payment.
      Other Expenses (Credit Report,        Other expenses to be collected at closing i.e. credit report, property inspection, Broker's
  25)
      Property Inspection, BPO, etc)        Price Opinion and any other costs not capitalized.
      Total Cash Due from Borrower at
  26)                                       The sum of Lines 21 thru 25.
      Closing
  27) Interest Differential                 Not a required field.




Volume 2                                                                                                               Page F1128-2
Bulletin 2011-16                             Single-Family Seller/Servicer Guide                                           09/12/11
                                                           LOSS MITIGATION TRANSMITTAL WORKSHEET
                                                 INSTRUCTIONS FOR MORTGAGES MODIFIED UNDER HAMP
These instructions will help you fill out the Loss Mitigation Transmittal Worksheet ("LMTW") specifically for Mortgages modified under
HAMP. The LMTW must be submitted to Freddie Mac for each Mortgage modified under HAMP no later than the 4 th Business Day of
the month in which the First Modified Payment is due.
You must ensure that the data entered on the LMTW matches the terms of the modification agreement as determined by Workout
Prospector®.
LOAN DATA
        Freddie Mac Loan Number      The Freddie Mac assigned nine-digit loan number.
        Servicer Loan Number         The loan number assigned to the Mortgage by your organization.
                                     The interest rate payable under the existing note. For ARMs, this is the interest rate currently in
        Existing Note Rate
                                     effect (as of the most recent adjustment date if applicable).

                                     The “DDLPI” entered in the LOAN DATA section must match the DDLPI reported to Freddie Mac
                                     as of the last accounting cycle cutoff in the month prior to the First Modified Payment due date.
        DDLPI
                                     (Reminder: The DDLPI is the due date of the last fully posted monthly Mortgage payment. It is not
                                     the date on which such payment was posted nor the date of the next payment.)

                                     Complete the appropriate checkbox to indicate whether the existing Mortgage is a fixed rate or
        Existing Mortgage
                                     adjustable rate mortgage (ARM).
                                     You must check the Home Affordable Modification and Rate Reduction checkboxes. In addition,
                                     check all other modified terms that apply, except for Cap-to-Reinstate.

        Modified Mortgage            For example, if the modified Mortgage includes a:
                                      Step Rate feature, also check the Step Rate checkbox
                                      Term extension, also check the Term Extension checkbox
                                      Partial principal forbearance, also check the Partial Principal Forbearance checkbox

                                     For modified Mortgages that include a step rate feature, you must complete the interest rate
                                     adjustment schedule to reflect the Interest Rate and the Interest Rate Change Dates associated
        Interest Rate Adjustment     with each step rate adjustment on the Form 1128. The interest rate schedule must match the
        Schedule                     payment schedule in Section 3.C. of the Modification Agreement. If the modified Mortgage does
                                     not have a step rate feature, enter the modified interest rate that will be in effect for the life of the
                                     modified Mortgage in the first line (Years 1 - 5).

                                     The Borrower's name and exact property address, including street, city, state and zip. This
        Borrower Name and
                                     information should match the data that was delivered when the mortgage was sold to Freddie Mac.
        Property Address
                                     Include changes to the original delivery data in the comments section.
MODIFICATION DATA
                                     Enter the interest rate on the modified Mortgage. The rate you enter on Line 1 must match the
                                     Interest Rate in Section 3.C. of the Modification Agreement.
   1) Modified Note Rate
                                     If the modified Mortgage has a step rate feature, the interest rate you record on Line 1 will be the
                                     rate that is in effect for Years 1 – 5.
                                     Enter the Accounting Net Yield (ANY) based on the Modified Mortgage terms. The ANY is the
                                     difference between the modified Note Rate and the Servicing Spread on the modified Mortgage.
                                     (Reminder: The Servicing Spread on the modified Mortgage is the lower of 25bps (.25%) or the
                                     Servicing Spread on the Mortgage prior to modification.)

   2) Accounting Net Yield           Example #1: Servicing Spread on Mortgage prior to modification is 50 bps (.50%) and the Note
                                     Rate on the modified Mortgage is 5.00%. The ANY that you enter on Line 2 would be
                                     4.75%(5.00% - .25% = 4.75%)
                                     Example #2: Servicing Spread on Mortgage prior to modification is 12.5bps (.125%) and the Note
                                     Rate on the modified Mortgage is 5.00%. The ANY that you enter on Line 2 would be
                                     4.875%.(5.00% - .125% = 4.875%)
                                     Enter the monthly principal and interest (P&I) Payment on the modified Mortgage. Line 3 must
   3) P & I Payment                  match the Monthly Principal and Interest Payment Amount in Section 3.C. of the Modification
                                     Agreement.


                                     Enter the total of the following amounts:
                                      Monthly pro rata amount for real estate taxes, plus applicable monthly Escrow cushion
                                      Monthly pro rata amount for property and flood insurance, if applicable, plus applicable monthly
                                     Escrow cushion
                                      Projected Monthly Escrow Shortage Payment, if applicable
   4) Escrow Payment (optional)
                                     (Refer to Guide Section C65.6(d) for additional information on escrow.)

                                     NOTE: This field is not required for settlement purposes and is optional input to reflect the full
                                     payment amount that will be collected from the Borrower. This field does not affect your remittance
                                     due to Freddie Mac. You may, however, need this information for workout decisioning purposes.


   5) Monthly Payment                Enter the sum of Line 3 and Line 4

      Effective Date of Loan         Enter the date the new interest rate on the modified Mortgage will be effective. This date is one
   6) Modification Interest Rate     month prior to the First Modified Payment due date. Line 6 must match the date that the new
      Change                         interest rate will begin to accrue as specified in Section 3.C. of the Modification Agreement.


        First Payment Due Date        Enter the due date of the First Modified Payment. This date must match the date specified in
   7)
        (Modification Effective Date) Section 3 and Section 3.C. of the Modification Agreement.


        Volume 2                                                                                                                      Page F1128-3
        Bulletin 2011-16                                Single-Family Seller/Servicer Guide                                               09/12/11
MODIFICATION DATA

       Term of Modification        Enter the term of the modified Mortgage in months. The term entered must be consistent with the
  8)
       (Months)                    new Maturity Date in Section 3.A. of the Modification Agreement and Line 9 of this form.

                                   Enter the Maturity Date of the modified Mortgage. This date must match the new Maturity Date in
  9) Maturity Date
                                   Section 3.A. of the Modification Agreement.

       Current UPB                 The amount entered in Line 10 must match the unpaid principal balance (UPB) reported to Freddie
 10)
       (pre-modification)          Mac as of the last accounting cycle cutoff prior to the First Modified Payment due date



                                   The amount of interest entered on Line 11 must equal the interest calculated at the pre-modification
                                   Note Rate from the DDLPI (recorded in the LOAN DATA section and as last reported to Freddie
                                   Mac) to the date the interest rate on the modified Mortgage is effective.

                                   If the Note is an ARM, delinquent interest must be calculated using the interest rate in effect during
                                   each month of the delinquent period to account for any ARM adjustments to the interest rate.

                                   You must calculate the interest that you enter on Line 11 as follows:
                                   For a Fixed Rate Note without principal payments during the delinquency period, (UPB (from Line
                                   10) x Existing Note Rate on pre-modified Mortgage / 12) x Number of months from DDLPI (from
                                   LOAN DATA) to the Effective Date of Loan Modification Interest Rate Change (from Line 6)
     Interest from DDLPI to
     Effective Date of Loan        For an ARM Note or for any Note when principal payments are posted, interest must be calculated
 11)
     Modification Interest Rate    to reflect the aggregate sum of 1/12th of the interest rate in effect during each month of the
     Change                        delinquency period (from the DDLPI to the effective date of the loan modification (Line 6)) multiplied
                                   by the UPB at the beginning of each month during the
                                   delinquency period.

                                   Example for a Fixed Rate Note without Principal Payments:
                                   DDLPI = 4/1/2010
                                   UPB (pre-modification) = $100,000
                                   Effective Date of Loan Modification Interest Rate Change = 10/1/2010
                                   Existing Note Rate (pre-modified Mortgage Note Rate) = 6%
                                   Number of months from DDLPI to Effective Date of Loan Modification = 6
                                   $100,000 x 6% / 12 x 6 months = $3,000
                                   In this example, $3,000 would be entered on Line 11.



                                   Example for an Adjustable Rate Change without Principal Payments:
                                   DDLPI - 4/1/2010
                                   UPB = $100k
                                   Eff Date of Modification Int Rate Change = 10/1/2010
 11) Continued                     Existing Note Rate = 6% from 4/1/2010 to 6/1/2010 and 7% from 7/1/2010 to the Modified Interest
                                   Rate Change effective date
                                   Number of months from DDLPI to Eff date of mod = 6 (3 months at 6% and 3 months at 7%)
                                   $100k x 6% / 12 x 3 = $1,500 plus $100k x 7% / 12 x 3 = $1,750
                                   In this example, $3,250 would be entered on Line 11.


                               Enter the total amount for any of the following expenses that will be capitalized to the Mortgage:
                                Funds advanced by you, or to be advanced and paid to a third party during the Trial Period, for
                               the payment of real estate taxes and insurance premiums (Reminder: You may only capitalize the
                               first incurred late fee, interest or penalty associated with the late payment of real estate taxes on a
     Other Amounts Advanced or non-escrowed Mortgage.)
 12)
     to be Advanced             Any other expenses that were advanced and paid to a third party, as specified in Guide Sections
                               66.29 and 71.13, provided that they were paid to a third party during the Trial Period

                                   Refer to Guide Section C65.6 for complete requirements for capitalization of arrearages and
                                   expenses.

                                   Enter the total amount for any foreclosure expenses incurred that will be capitalized to the
                                   Mortgage. This includes attorney fees and title costs incurred as part of the foreclosure process,
 13) Legal Fees and Costs          not to exceed the reimbursable limits in Guide Exhibit 57A, Approved Attorney Fees and Title
                                   Expenses. Refer to Guide Section C65.6 for complete requirements for capitalization of arrearages
                                   and expenses.
                                   Enter the total amount for any property preservation expenses or property inspection fees, not to
       Property Preservation       exceed the reimbursable limits in Exhibit 57, 1- to 4- Unit Property Approved Expense Amounts,
 14)
       Expenses                    that will be capitalized to the Mortgage. Refer to Guide Section C65.6 for complete requirements
                                   for capitalization of arrearages and expenses.
       Total Additions plus Current
 15)                                Enter the sum of Lines 10-14
       UPB
                                Enter the sum of the following items:
     Amount Held in              Funds held in suspense, which includes funds held for payments received but unapplied during
 16)
     Suspense/Restricted Escrow the Trial Period
                                 Restricted escrow
                                Enter the amount of any cash contribution the Borrower elects to make to reduce the amounts that
                                would otherwise be capitalized. (Reminder: The Servicer must not require the Borrower to make a
     Borrower Cash Contribution
 17)                            cash contribution.)
     to Reduce Capitalization
                                   In most cases, this line will be zero
                                   Enter any amounts that the Mortgage Insurer will pay towards expenses and delinquent amounts
 18) MI Contribution
                                   due


       Volume 2                                                                                                                Page F1128-3
       Bulletin 2011-16                              Single-Family Seller/Servicer Guide                                           09/12/11
MODIFICATION DATA
                                      If there is no principal forbearance on the modified Mortgage, Line 19 must be zero.
     Deferred Non-Interest
 19)
     Bearing UPB (if applicable)      If there is principal forbearance on the modified Mortgage, Line 19 must match the “Deferred
                                      Principal Balance” in Section 3.C. of the Modification Agreement.

                                      If there is no principal forbearance (i.e., you entered a zero on Line 19), Line 20 must match the
                                      “New Principal Balance” in Section 3.B. of the Modification Agreement.

       Interest Bearing Modified      If there is principal forbearance (i.e. you entered an amount other than zero on Line 19), Line 20
 20)
       UPB                            must match the “Interest Bearing Principal Balance” in Section 3.C. of the Modification Agreement.

                                      Sum of Line 19 and Line 20 must match the “New Principal Balance” in Section 3.B. of the
                                      Modification Agreement.

 21) Borrower Cash Contribution Not a required field. Note: This field autopopulates from Line 17
       Amount to Fully Fund
 22)                                  Not a required field.
       Escrow Account
 23)   Closing Costs                  Not a required field.
       First Modified Monthly
 24)                                  Not a required field.
       Payment (PITI)
       Other Expenses (Credit
 25)   Report, Property Inspection,   Not a required field.
       BPO, etc.)
       Total Cash Due from
 26)                                  Not a required field.
       Borrower at Closing
       Gross Amount of Interest
 27)                                  Not a required field.
       Differential




       Volume 2                                                                                                                  Page F1128-3
       Bulletin 2011-16                                 Single-Family Seller/Servicer Guide                                          09/12/11
                                                              LOSS MITIGATION TRANSMITTAL WORKSHEET
                                                         INSTRUCTIONS FOR MORTGAGES MODIFIED UNDER
                                                               THE FREDDIE MAC STANDARD MODIFICATION


These instructions will help you fill out the Loss Mitigation Transmittal Worksheet ("LMTW") specifically for Mortgages modified under
Freddie Mac's Standard Modification ("Standard Modification") requirements. The LMTW must be submitted to Freddie Mac for each
                                            th
Standard Modification no later than the 4 Business Day of the month in which the First Modified Payment is due.


You must ensure that the data entered on the LMTW matches the terms of the modification agreement, the terms reported to
                                    ®
Freddie Mac via Workout Prospector and Electronic Default Reporting (EDR) and the terms approved by Freddie Mac for a non-
delegated/negotiated Standard Modification.
 LOAN DATA
      Freddie Mac Loan Number      The Freddie Mac assigned nine-digit loan number.

      Servicer Loan Number         The loan number assigned to the Mortgage by your organization.
                                   The interest rate payable under the existing note. For ARMs, this is the interest rate currently in
      Existing Note Rate
                                   effect (as of the most recent adjustment date if applicable).

                                   The “DDLPI” entered in the LOAN DATA section must match the DDLPI reported to Freddie Mac
                                   as of the last accounting cycle cutoff in the month prior to the First Modified Payment due date.
      DDLPI
                                   (Reminder: The DDLPI is the due date of the last fully posted monthly Mortgage payment. It is
                                   not the date on which such payment was posted nor the date of the next payment.)

                                   Complete the appropriate checkbox to indicate whether the existing Mortgage is a fixed rate or
      Existing Mortgage
                                   adjustable rate mortgage (ARM).
                                   You must check the Standard Modification checkbox. In addition, check all other modified terms
      Modified Mortgage
                                   that apply.


                                   The Borrower's name and exact property address, including street, city, state and zip. This
      Borrower Name and
                                   information should match the data that was delivered when the mortgage was sold to Freddie
      Property Address
                                   Mac. Include changes to the original delivery data in the comments section.


      Interest Rate Adjustment
                                   Unless otherwise approved, not applicable for Standard Modifications.
      Schedule



 MODIFICATION DATA
                                   Enter the interest rate on the modified Mortgage. Note: Unless otherwise approved, this should
   1) Modified Note Rate           be 5.00%.

                                   Enter the Accounting Net Yield (ANY) based on the Modified Mortgage terms. The ANY is the
                                   difference between the modified Note Rate and the Servicing Spread on the modified Mortgage.
                                   (Reminder: The Servicing Spread on the modified Mortgage is the lower of 25bps (.25%) or the
                                   Servicing Spread on the Mortgage prior to modification.)

   2) Accounting Net Yield         Example #1: Servicing Spread on Mortgage prior to modification is 50 bps (.50%) and the Note
                                   Rate on the modified Mortgage is 5.00%. The ANY that you enter on Line 2 would be
                                   4.75%(5.00% - .25% = 4.75%)
                                   Example #2: Servicing Spread on Mortgage prior to modification is 12.5bps (.125%) and the
                                   Note Rate on the modified Mortgage is 5.00%. The ANY that you enter on Line 2 would be
                                   4.875%.(5.00% - .125% = 4.875%)

   3) P & I Payment                Enter the monthly principal and interest (P&I) Payment on the modified Mortgage.

                                   Enter the total of the following amounts:
                                    Monthly pro rata amount for real estate taxes, plus applicable monthly Escrow cushion
                                    Monthly pro rata amount for property and flood insurance, if applicable, plus applicable monthly
                                   Escrow cushion
                                    Projected Monthly Escrow Shortage Payment, if applicable
   4) Escrow Payment (optional)
                                   (Refer to Guide Section B65.21 for additional information on escrow.)

                                   NOTE: This field is not required for settlement purposes and is optional input to reflect the full
                                   payment amount that will be collected from the Borrower. This field does not affect your
                                   remittance due to Freddie Mac. You may, however, need this information for workout decisioning
                                   purposes.

   5) Monthly Payment              Enter the sum of Line 3 and Line 4

      Effective Date of Loan
                                   Enter the date the new interest rate on the modified Mortgage will be effective. This date is one
   6) Modification Interest Rate
                                   month prior to the First Modified Payment due date.
      Change




Volume 2                                                                                                                     Page F1128-4
Bulletin 2011-16                                 Single-Family Seller/Servicer Guide                                             09/12/11
                                    Enter the due date of the First Modified Payment also known as the Modification Effective Date.

                                    The Modification Effective Date is the first day of the month following the end of the three month
                                    Trial Period, which is also the first payment due date of the modified Mortgage. In the event the
                                    Servicer utilizes the option to include an interim month following the Trial Period, then the
      First Payment Due Date        Modification Effective Date and the due date of the first modified payment will be the first day of
   7)
      (Modification Effective Date) the second month following the end of the three-month Trial Period.

                                    Note: The effective date of the modification interest rate change occurs one month prior to the
                                    first payment due date/the Modification Effective Date, as the terms of the modified Mortgage are
                                    established so that the first payment due under the modified Mortgage pays interest in arrears
                                    that accrued during the month prior to the first payment due date.


        Term of Modification        Enter the term of the modified Mortgage in months. Note: Unless otherwise approved, this
   8)
        (Months)                    should be 480 months.


   9) Maturity Date                 Enter the Maturity Date of the modified Mortgage.



        Current UPB                 The amount entered in Line 10 must match the unpaid principal balance (UPB) reported to
  10)
        (pre-modification)          Freddie Mac as of the last accounting cycle cutoff prior to the First Modified Payment due date



                                    The amount of interest entered on Line 11 must equal the interest calculated at the pre-
                                    modification Note Rate from the DDLPI (recorded in the LOAN DATA section and as last reported
                                    to Freddie Mac) to the date the interest rate on the modified Mortgage is effective.

                                    If the Note is an ARM or a Step-Rate Mortgage (e.g., previously modified under HAMP),
                                    delinquent interest must be calculated using the interest rate in effect during each month of the
                                    delinquent period to account for any ARM or step adjustments to the interest rate.

                                    You must calculate the interest that you enter on Line 11 as follows:
                                    For a Fixed Rate Note without principal payments during the delinquency period, (UPB (from Line
                                    10) x Existing Note Rate on pre-modified Mortgage / 12) x Number of months from DDLPI (from
                                    LOAN DATA) to the Effective Date of Loan Modification Interest Rate Change (from Line 6)
      Interest from DDLPI to
      Effective Date of Loan
  11)                               For an ARM Note or for any Note when principal payments are posted, interest must be
      Modification Interest Rate
                                    calculated to reflect the aggregate sum of 1/12th of the interest rate in effect during each month
      Change
                                    of the delinquency period (from the DDLPI to the effective date of the loan modification (Line 6))
                                    multiplied by the UPB at the beginning of each month during the
                                    delinquency period.

                                    Example for a Fixed Rate Note without Principal Payments:
                                    DDLPI = 4/1/2010
                                    UPB (pre-modification) = $100,000
                                    Effective Date of Loan Modification Interest Rate Change = 10/1/2010
                                    Existing Note Rate (pre-modified Mortgage Note Rate) = 6%
                                    Number of months from DDLPI to Effective Date of Loan Modification = 6
                                    $100,000 x 6% / 12 x 6 months = $3,000
                                    In this example, $3,000 would be entered on Line 11.




                                    Example for an Adjustable Rate Change without Principal Payments:
                                    DDLPI - 4/1/2010
                                    UPB = $100k
                                    Eff Date of Modification Int Rate Change = 10/1/2010
  11) Continued                     Existing Note Rate = 6% from 4/1/2010 to 6/1/2010 and 7% from 7/1/2010 to the Modified
                                    Interest Rate Change effective date
                                    Number of months from DDLPI to Eff date of mod = 6 (3 months at 6% and 3 months at 7%)
                                    $100k x 6% / 12 x 3 = $1,500 plus $100k x 7% / 12 x 3 = $1,750
                                    In this example, $3,250 would be entered on Line 11.




                                    Enter the total amount for any of the following expenses that will be capitalized to the Mortgage:
                                     Funds advanced by you, or to be advanced and paid to a third party during the Trial Period, for
                                    the payment of real estate taxes and insurance premiums (Reminder: You may only capitalize the
                                    first incurred late fee, interest or penalty associated with the late payment of real estate taxes on
        Other Amounts Advanced      a non-escrowed Mortgage.)
  12)
        or to be Advanced            Any other expenses that were advanced and paid to a third party, as specified in Guide
                                    Sections 66.29 and 71.13, provided that they were paid to a third party during the Trial Period

                                    Refer to Guide Section B65.23 for complete requirements for capitalization of arrearages and
                                    expenses.




Volume 2                                                                                                                      Page F1128-4
Bulletin 2011-16                                  Single-Family Seller/Servicer Guide                                             09/12/11
                                       Enter the total amount for any foreclosure expenses incurred that will be capitalized to the
                                       Mortgage. This includes attorney fees and title costs incurred as part of the foreclosure process,
  13) Legal Fees and Costs             not to exceed the reimbursable limits in Guide Exhibit 57A, Approved Attorney Fees and Title
                                       Expenses. Refer to Guide Section B65.23 for complete requirements for capitalization of
                                       arrearages and expenses.




                                       Enter the total amount for any property preservation expenses or property inspection fees, not to
      Property Preservation            exceed the reimbursable limits in Exhibit 57, 1- to 4- Unit Property Approved Expense Amounts,
  14)
      Expenses                         that will be capitalized to the Mortgage. Refer to Guide Section B65.23 for complete
                                       requirements for capitalization of arrearages and expenses.
      Total Additions plus Current
  15)                              Enter the sum of Lines 10-14
      UPB
                                   Enter the sum of the following items:
      Amount Held in
                                    Funds held in suspense, which includes funds held for payments received but unapplied during
  16) Suspense/Restricted
                                   the Trial Period
      Escrow
                                    Restricted escrow
        Borrower Cash Contribution Enter the amount of any cash contribution the Borrower makes to reduce the amounts that would
  17)
        to Reduce Capitalization   otherwise be capitalized.
                                       Enter any amounts that the Mortgage Insurer will pay towards expenses and delinquent amounts
  18) MI Contribution
                                       due
        Deferred Non-Interest
  19)                                  If there is no principal forbearance on the modified Mortgage, Line 19 must be zero.
        Bearing UPB (if applicable)

        Interest Bearing Modified
  20)                                  Line 15 minus the sum of Lines 16 thru 19.
        UPB


  21) Borrower Cash Contribution Not a required field. Note: This field autopopulates from Line 17

        Amount to Fully Fund
  22)                                  Not a required field.
        Escrow Account
  23) Closing Costs                    Not a required field.
        First Modified Monthly
  24)                                  Not a required field.
        Payment (PITI)
        Other Expenses (Credit
  25)   Report, Property Inspection,   Not a required field.
        BPO, etc.)
        Total Cash Due from
  26)                                  Not a required field.
        Borrower at Closing
        Gross Amount of Interest
  27)                                  Not a required field.
        Differential




Volume 2                                                                                                                       Page F1128-4
Bulletin 2011-16                                     Single-Family Seller/Servicer Guide                                           09/12/11
Volume 2                                                 Page F1128-4
Bulletin 2011-16   Single-Family Seller/Servicer Guide       09/12/11

				
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