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California Deed in Lieu of Forclosure 2 Mortgages

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					                             Inter-USA Loss Mitigation Services
                          5280 N. Little Mountain Drive Suite H6
                                  San Bernardino, CA. 92407
                              909-887-7071 / 909-887-7071 Fax
                          http://interusalossmitigationservices.com
                                interusa.ppmcs@gmail.com
Thank you for choosing Inter-USA Loss Mitigation Services as your number one choice in
mitigating your case file. We are more than confident that our vast experiences in the
business of banking and real estate will greatly serve as a power-negotiating tool when
undergoing the task in saving your home.
If you have any further questions with regards to any of the Index items below and wish to
discuss them with us, kindly call us at, (909) 887-7071 or you can email us your request at:
interusa.ppmcs@gmail.com.
Very Truly Yours,

Charlie C. Pagan
Inter-USA Loss Mitigation Services, Inc.
President/CEO
                             HOMEOWNER PACKET INDEX
LOSS MITIGATION CLIENT FORMS INSTRUCTIONS                                  Page 2

CONFIDENTIALITY AGREEMENT                                                  Page 3 - 5

CLIENT BANK CONFIDENTIALITY RELEASE                                        Page 6 – 7
AUTHORIZATION

STATE WORKING AGREEMENT                                                    Page 8 – 11

ESCROW DEPOST INFORMATION                                                  Page 12

NOTICE OF CANCELLATION FORM                                                Page 13

FINANCIAL STATEMENT                                                        Page 14 - 16

CLIENT EXPLANATION OF HARDSHIP                                             Page 17 - 18

CALIFORNIA DISCLOSURE FORM                                                 Page 19

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                               Inter-USA Loss Mitigation Services
                           Loss Mitigation Client Forms Instructions
1.   Please read through the WORKING AGREEMENT to make sure you fully understand what you‟re signing.

2.   Make sure to initial where indicated on the proper pages to show that you have read them along with initialing the
     paragraph in the section, which acknowledges that you have been informed of the funds you must save as a down
     payment contribution for your lender.

3.   Make sure to properly date, sign and print your name on the pages where indicated, [The Signature Page].

4.   Please read over very carefully the instructions regarding the money you are to send to the escrow company to
     hold. Please note a deposit is due before we can start your case file and it will be deposited into an Escrow Trust
     Account.

5.   Note that the State Disclosure Form, if applicable to your state (not all states have disclosures), must be properly
     filled out completely. Please use the same date you have used on the rest of this Agreement along with any
     foreclosure sale date if one has been assigned. [This form must be notarized].

6.   The Notice of Cancellation Form is provided twice as provided by Law. Do not fill the bottom half of the form
     when filling out this page. This portion of the form ONLY APPLIES IF YOU ARE CANCELLING THIS
     WORKING AGREEMENT. As stated on this form, you have a full five (5) business days to cancel your
     Agreement.

7.   If your sale date is within forty five (45) days of signing this agreement, you must send in the full service fee
     along with your homeowner‟s package, barring you had the above referenced sale date timeframe.

8.   Most important of all, Please sent payment and original working agreement to Escrow of the West, as indicated in
     the working agreement. And remember a copy of this agreement must be faxed to Inter-USA Loss Mitigation
     Services at (909) 887-7071. Please call Inter-USA Loss Mitigation Services at (909) 887-7071 and make sure
     your fax has been received. (Although we recommend that you send the deposit directly to the escrow company,
     we would gladly assist you in making sure that it directly goes to them along with the working agreement, If so,
     just send back all the disclosures along with the deposit made out to Escrow of the West and we will take care of
     the rest)

9.   Please note that acceptable payments will be in the form of, cashier check, money orders, direct wiring, or bank
     endorsements only.

10. The “PRIMARY” homeowner as the first signature must fill out the CLIENT CONFIDENTIALITY
    RELEASE AUTHORIZATION. The Co-Borrower(s) or anyone else on title may not sign as the primary
    borrower. It is imperative that your loan number be included on this form

11. For further questions with regards to this instruction form kindly refer them either to your Loss Mitigation
    Associate or you can call us directly at: (909) 887-7071 or email us at: interusa.ppmcs@gmail.com and reference
    your case file

12. The CLIENT FINANCIAL STATEMENT must be filled out and signed accordingly to the instructions on the
    form, including copies of the documentation requested.

13. The HARDSHIP LETTER: The information on hardship provided can serve my needs when having to put one
    together a letter for them, after I produce the letter I will send back to you to have client, date and notarize.
     Please attach 2 months bank statements, 1-month current pay-stubs, and copies of lender correspondences,
    property tax bill, property insurance statement, household bills, and any other related hardship bills to our
    company.

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                                Inter-USA Loss Mitigation Services, Inc
                             A subsidiary of Inter-USA.PPMCS Loss Mitigation Services
                                             InterUSA Mortgage Services
                                                InterUSA Realty Corp.
                                        PPMCS Commercial Funding Group
                                            P & P Marketing Service Inc.


                               CONFIDENTIALITY AGREEMENT
                                      [Non-Disclosure]
This general confidentiality agreement (“Agreement”) is made and Effective this _____day
of______2008. Charlie C. Pagan (PPMCS Commercial Funding Group, Inter-USA Loss Mitigation
Services, InterUSA Mortgage Services, InterUSA Reality and P & P Marketing Services, Inc.)
[Hereby known as “President/CEO] and
                                        (Hereby known as “Recipient”)
TERMS of AGREEMENT
1.Confidential Information.
The President/CEO proposes to disclose certain of its confidential and proprietary information (the
“Confidential Information”) to Recipient. Confidential Information shall include all data, materials,
products, technology, computer related software programs, specifications, manuals, business plans,
marketing plans, business plans, financial information, intellectual properties, patents, copyrights, and
any other information as deemed necessary, disclosed or submitted, orally, in writing, or by any other
means, to Recipient by President/CEO or its designated staff member empowered in doing so. .
Confidential Information disclosed orally shall be identified as such within three (3) days of
disclosure. Nothing herein shall require said President/CEO to disclose any information. Any
information obtained through the efforts of Recipient shall become proprietary to said President/CEO.
2. Recipient‟s Obligations.
       A. Recipient agrees that the Confidential Information is to be considered confidential and
           proprietary to said President/CEO and Recipient shall hold the same in confidence, shall
           not use the Confidential Information other than for the purposes of its business with said
           President/CEO respective to all its subsidiaries, and shall disclose it only to its officers,
           directors, or employees with a specific need to know unless authorized by President/CEO.
           Recipient will not disclose, publish or otherwise reveal any of the Confidential Information
           received from said President/CEO or representatives of his company and/or companies or
           from Recipient while working under contract to any other party whatsoever except with the
           specific prior written authorization of said President/CEO.
       B. Recipient except for Purposes of this Agreement shall not duplicate confidential
          Information furnished in tangible form. Upon the request of President/CEO, Recipient shall
          return all Confidential Information received in written or tangible form, including copies,
          or reproductions or other media containing such Confidential Information, within ten (10)
          days of such request. At Recipient‟s option, Recipient may destroy any documents or other

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            media developed by the Recipient containing Confidential Information. Recipient shall
            provide a written certificate to said President/CEO regarding destruction within ten (10)
            days there after.

        C. Confidential Information as started above shall include any/all research and development
           materials obtained from the office(s) of the President/CEO including but not limited to
           computer-assisted materials (websites).

3. Term.
The obligation of Recipient herein shall be effective [NON-DISCLOSURE PERIOD] from the date
said President/CEO last discloses any Confidential Information to one (2) year. Further, the obligation
not to disclose shall not be affected by bankruptcy, receivership, assignment attachment or seizure
procedures, whether initiated by or against Recipient, nor by the rejection of any agreement between
said President/CEO and Recipient, by a trustee or Recipient in bankruptcy, or by the Recipients, as a
debtor-in-possession or the equivalent of any of the foregoing under local law.
4. Other Information.
Confidential Information shall not be disclosed until thirty (30) days after written notice of intent to
disclose is given to said President/CEO along with the asserted grounds for disclosure unless said
President/CEO gives authorization in writing.
5. No License.
Nothing contained herein shall be construed as granting or conferring any rights by license or
otherwise in any Confidential Information. It is understood and agreed that neither party solicits any
change in the Organization, business practice, service or products of the other party, and that the
disclosure of Confidential Information shall not be construed as evidencing any intent by a party to
purchase any products or services neither of the other party nor as encouragement to expend funds in
development or research efforts. Confidential Information may pertain to prospective or unannounced
product and services. Recipient agrees not to use any Confidential Information as a basis upon which
to develop or have a third party development and competing or similar product and/or services.
Recipient further understands that applicable laws pertaining to certain real estate requirement might
apply in accordance with respective state and/or states. Therefore, said President/CEO when
attempting to “Co-Broker” deals through third party agents, consultants, financial planners, or any
such individuals practicing in the field of real estate, reserves the right to request for proof of licenses,
whether it be a mortgage license, a mortgage bankers license, agents license or a real estate brokers
license
Recipient further understands that it hold said President/CEO, its subsidiaries, harmless from any
misrepresentation given to said President/CEO when request has been made accordingly.
6. No Publicity.
Recipient agrees not to disclose its participation in this undertaking, the existence or terms and
conditions of the Agreement, or the fact that discussions are being held with said President/CEO.
Any public relations with regards to exposure of financing originated by said President/CEO and/or its
subsidiaries shall not be revealed or disclosed to anyone, inclusive, [its investors]. Under no
circumstances shall use of such information be used for public awareness, generation of new business,
contacts, media, websites, or other means of marketing publications unless express permission is
granted by said President/CEO in accordance with certain protocols set by said company.
7. Governing Law and Equitable Relief.

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       A. This Agreement shall be governed and construed in accordance with the laws of the United
          States and the State of California and Recipient consents to the exclusive jurisdiction of the
          state courts and U.S. Federal Courts located there for any dispute arising out of this
          Agreement. Recipient agrees that in the event of Any breach or threatened breach by
          Recipient, said President/CEO may obtain, in addition to any other legal remedies which
          may be available, such equitable relief as may be necessary to protect said President/CEO
          and/or its subsidiaries against such breach or threatened breach.
       B If this Agreement is being signed outside of the United States, International Trade Law
       shall govern this Agreement and by the Governing Laws of the Country this Agreement is
       signed hereto.
8. Final Agreement.
This Agreement terminates and supersedes all prior understandings or agreements on the subject
matter hereof. Only a further writing that is duly executed by both parties may modify this Agreement.
9. No Assignment.
Recipient may not assign this Agreement or any interest herein without said President/CEO‟s express
prior written Consent.
10.Severability.
If a court of competent jurisdiction to be invalid or unenforceable, then this Agreement, holds any
term of this Agreement including all of the remaining terms, will remain in full force and effect as if
such invalid or unenforceable term had never been included.
11. Notices.
Any notice required by this Agreement or given in connection with it, shall be in writing and shall be
given to the appropriate party by personal delivery or by certified mail, postage prepaid, or recognized
overnight delivery services.
If to said President/CEO: InterUSA Mortgage Corp. PPMCS Commercial Funding Group, P & P
Marketing Services, Inc., Inter-USA.PPMCS Loss Mitigation Services, 5280 N. Little Mountain Drive
Suite H6 San Bernardino, CA 92407

If to Recipient:

[Client(s) Signature]
12. No Implied Waiver.
Either party‟s failure to insist in any one or more instances upon strict performance by the other party
of any of the terms of this Agreement shall not be construed as a waiver of any continuing or
subsequent failure to perform or delay in performance of any term hereof.

IN WITNESS WHEREOF, the parties have executed and acknowledge a copy of this Agreement as of
the date first above written.


[President/CEO]        Charlie C. Pagan InterUSA Loss Mitigation Services, Inc.


[Recipient]

[Witness Signature if Applicable]
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                                   Inter-USA Loss Mitigation Services
                                5280 N. Little Mountain Drive Suite H6
                                        San Bernardino, CA. 92407
                                    909-887-7071 / 909-887-7071 Fax
                                http://interusalossmitigationservices.com
                                       interusa.ppmcs@gmail.com
    Please print this form, supply the requested information, sign, date, and fax or return to the address listed above.
CLIENT BANK CONFIDENTIALITY RELEASE AUTHORIZATION

Client(s) Name: __________________                                               __________________________

MailingAddress:_______________________________________________________________________

City: ______________________________________ State: ______________ Zip code:______________

Phone Number (Home): ______________________________ (Work): ___________________________

1ST Servicer [Mortgage Co.] Name: ___________________________Loan Number: ________________

Mailing Address: ____________________________________________________________________ _

City: ______________________________________ State: ______________ Zip Code: _____________

Phone Number: ______________________________ Fax Number: ______________________________

2ND Servicer [Mortgage Co.] Name: ___________________________Loan Number: ________________

Mailing Address: ____________________________________________________________________ _

City: ______________________________________ State: ______________ Zip Code: _____________

Phone Number: ______________________________ Fax Number: ______________________________


The following person(s) is (are) the LEGAL BORROWER(s) on the property address listed below.

Name #1: ___________________________________

Social Security Number #1:_________________________

Name #2: ___________________________________

Social Security Number #2: _________________________



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                                 Inter-USA Loss Mitigation Services
PropertyAddress:_______________________________________________________________________

City: _____________________________________ State: ______________ Zip Code: ______________

This property is held as: • individual • trust • corporate • community property
(Check one only)           • husband and wife as joint tenants • husband and wife as community property

This property was purchased on (date):
___________________________________________________________                                  _

Type of loan: • Conventional • VA • FHA • Other (please specify):
___________________________________

I(we) are in default on the • 1st trust deed • 2nd trust deed • 3rd trust deed • other: _______________

I(we) give the lender, servicer, and/or insurer of the mortgage loan referenced above permission to speak with
and disclose financial records to InterUSA Loss Mitigation Services, Inc. I(we) give Reinstatement Services,
Inc. permission to speak with the lender listed above on my (our) behalf.
I(we) understand that the service provided by InterUSA Loss Mitigation Services, Inc., is by no means a
Guarantee that the Lender will accept the relief measure being offered. As such, Reinstatement Services, Inc.
accepts no liability for actions taken by the lender.


Print Name



       _____                                                                                 _______
Borrower(s) Signature                                                   Date



Print Name



       _____                                                                                 _______
Borrower(s) Signature                                                   Date




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                               Inter-USA Loss Mitigation Services

                             CALIFORNIA WORKING AGREEMENT


        This Agreement by and between the undersigned Client [as acknowledged by signature] and
further referred to as “Client” and InterUSA Loss Mitigation Service [referred to as Consultant] serves
as permission granted to Inter-USA Loss Mitigation Service to perform the following services on
behalf of said Client.

SERVICES: To consult with and attempt to obtain one of the following “SOLUTIONS” by and
between the Client‟s Mortgage Lender or any party servicing said account, for the sole purpose of
obtaining a „SOLUTION” to a mortgage default and/or a loan modification, forbearance agreement,
partial claim, repayment plan, short sale or any other „SOLUTION” obtained for the express purpose
of attempting to resolve the above issues mentioned.

DISCLOSURE OF INFORMATION: Client authorizes InterUSA. Loss Mitigation Services to make
available any and all information or knowledge, including any financial or credit information, to
client‟s Mortgage Lender, or any party in relation to servicing said account.

SERVICE FEE: The total fee shall be Eighteen Hundred Dollars ($1,800). A deposit of $1,080.00 is
due and payable upon submission of this Agreement. The balance of seven hundred and twenty dollars
($720.00) is due with 21 days of the Agreement date. Said fee shall be deposited into Escrow of the
West Trust Account and set aside in Client‟s name. Client funds will be released to InterUSA. Loss
Mitigation Services only upon the successful completion of contracted services or if client breaches
this Agreement. Initial payment must be in the form of a “CASHIER‟S CHECK”, “MONEY
ORDER,” „CERTIFIED FUNDS,” or a BANK WIRE (instructions page 6) sent directly to:
Escrow of the West
Attn: Reta Narkazian
9440 Santa Monica Blvd, Ste #310
Beverly Hills, CA 90210
310-402-5555
If sale date is less than forty-five (45) days, the service fee is due in full.

PLEASE NOTE: Non Payment of balance within Twenty-One (21) days of agreement date constitutes
a breach of this agreement and any service fee previously rendered will be forfeited as LIQUIDATED
DAMAGES.

I/We understand and acknowledge in accordance with the information supplied. I/We will save
approximately $__________________ as a down payment/contribution for the lender to be paid after
the negotiation is completed. I further understand that it is my responsibility to save all available funds
including any mortgage payments.




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                               Inter-USA Loss Mitigation Services

GUARANTEE POLICY: Inter-USA. Loss Mitigation Services “CANNOT AND WILL NOT
WARRANT THAT IT CAN GUARANTEE A 100% SOLUTION TO YOUR SHORT SALE
AND/OR LOSS MITIGATION PROGRAMS. HOWEVER, WE ARE MORE THAN
CONFIDENT FROM OUR PAST EXPERIENCES IN DEALING WITH VARIOUS LOSS
MITIGATION SITUATIONS THAT WE CAN REASONABLY OBTAIN A “RESONABLE”
RESOLUTION. IF INTER-USA LOSS MITIGATION SERVICES CANNOT OBTAIN A
SOLUTION TO YOUR MORTGAGE DEFAULT OR PENDING FORCLOSURE THEN
FUNDS IN THE AMOUNT OF ONE THOUSAND TWO- HUNDRED DOLLARS ($1,200)
WILL BE RELEASED TO THE CLIENT FROM Escrow of the West. THIS POLICY DOES
NOT CORRESPOND TO THOSE SITUATIONS WHEREBY “CLIENT’ IS IN BREACH” OF
THIS AGREEMENT. IN THAT CASE, THERE SHALL BE NO REFUNDS MADE TO THE
CLIENT. OUR RENDERED SERVICES BY DEFINITION MEANS, [Any proposals submitted
to said lender on behalf of the client, whereby lender has fully agreed to resolve client’s default.
Inclusive in this definition involves, partial payment agreements, modification agreements,
forbearances, deferments, short sale, deed in lieu of, and/or any other services or agreements
reached between InterUSA Loss Mitigation Services and said Lender on behalf of the client,
where client totally rejects such offers without just cause.] FAILURE TO PROVIDE US WITH
ADEQUATE INFORMATION WITH REGARDS TO YOUR CASE FILE CONSTITUTES
BREACH OF CONTRACT [i.e. failure to disclose residency ownership status, rental status, etc.]
IN THE EVENT THAT NO RESOLUTION HAS BEEN RENDERED AND NO SUCH
BREACH WAS MADE MONIES HELD IN ESCROW MINUS A CONSULATION FEE and
PROCESSING FEE OF $600.00 made out to INTER-USA. LOSS MITIGATION SERVICES
WILL BE RETURNED.



Please fax all pages to the following:

                                  Inter-USA Loss Mitigation Services
                                5280 N. Little Mountain Drive Suite H6
                                   San Bernardino, CA. 92407
                                 909-887-7071 / 909-887-7071 Fax




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                                  Inter-USA Loss Mitigation Services
PROPRIETARY RIGHTS: Clint acknowledges and accept that Inter-USA. Loss Mitigation Services will use its
own „documentation‟ and „forms‟ {unless otherwise requested by mortgage lender} for use in obtaining
appropriate information in regards to the “SOLUTION” of the above-mentioned issues. Said documentation and
forms‟ are the sole property of InterUSA. Loss Mitigation Services and may be used solely for the purpose of
obtaining and providing InterUSA Loss Mitigation Services with the required information to facilitate the
purpose of this Agreement. The Client agrees to protect and secure these „documents‟ and „forms‟ and treat
them as strictly confidential. The confidentially of the Working Agreement will continue after the termination
or fulfillment.

CLIENT‟S RESPONSIBILITIES: Client shall provide InterUSA Loss Mitigation Services with accurate and
current financial information and financial history as requested by said company. Client agrees to submit the
completed “Homeowner‟s Financial Package” within twenty-one (21) days from the date of this Agreement. It
is considered a breach of contract if InterUSA. Loss Mitigation Services has not received the required
documents within the allotted time frame of this Agreement date. If the foreclosure sale date is in less than
forty-five (45) days, you should have received the Homeowner‟s Package with the Working Agreement and you
are required to submit these documents in full within three (3) business days.

Client will claim promptly any certified mail received in connection with his/her mortgage and/or foreclosure
and forward to InterUSA Loss Mitigation Services. Client will forward other correspondence received in
connection with his/her mortgage and/or foreclosure during the loss mitigation process immediately. Client will
telephone the InterUSA. Loss Mitigation Service Corporate offices at (909) 887-7071; send written
correspondence to: InterUSA Loss Mitigation Services, 5280 N. Little Mountain Drive Suite H6, San
Bernardino, CA. 92407 and send a faxed correspondence to (909) 887-7071

InterUSA Loss Mitigation Services WILL NOT BE RESPONSIBLE IF CLIENT FAILS TO MAKE
PAYMNTS AS REQUIRED BY THE MORTGAGE LENDER IN ANY WORKOUT SOLUTION
AGREEMENT NEGOTIATED BY SAID COMPANY.UPON SIGNING THIS AGREEMNT, IF CLIENT
DECIDES TO COMMUNICATE WITH THEIR LENDER AND PROVIDES ANY INFORMATION TO THE
LENDER AND/OR OTHER PARTY SERVICING PROVIDER, SAID MORTGAGE DURING
MEDIATION, INTER-USA.PPMCS LOSS MITIGATION SERVICES WIL NOT BE HELD RESPONSIBLE
FOR THE OUTCOME OF YOUR CASE. CLIENT UNDERSTANDS THT IF CONTACTED BY THE
LENDER,
PLEASE INFORM SAID PARTY TO COMMUNICATE DIRECTLY WITH INTER-USA. LOSS
MITIGATION SERVICES AT: (909) 887-7071.

BANKRUPTCY: It is not the intent of InterUSA. Loss Mitigation Services to recommend or provide legal
advice to any client. If the client files for bankruptcy of any kind after signing this agreement, Inter-USA. Loss
Mitigation Services will not be allowed to proceed with mediating your case file. If client files for bankruptcy
protection, Inter-USA. Loss Mitigation Services will not be held responsible for the outcome of this case.
Federal Law prohibits us from any further communication with your lender.

5-DAY RIGHT TO CANCEL: Client may cancel this Agreement within 5 business days of inception. In order
to cancel, client must sign and send Certified Mail the NOTICE OF CANCELLATION FORM POSTMARK
ON OR BEFORE THE EXPIRATION DATE OF THIS AGREEMENT. Must be return to:
                                    InterUSA Loss Mitigation Services
                               5280 N. Little Mountain Drive Suite H6
                                     San Bernardino, CA. 92407
                                 909-887-7071 / 909-887-7071 Fax
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                                  InterUSA Loss Mitigation Services
BREACH OF AGREEMENT: Any of the following items constitutes a breach of this agreement on
the part of the Client(s) and may result in any service fee being forfeited as LIQUIDATED
DAMAGES to Inter-USA. Loss Mitigation Services.
               If Inter-USA. Loss Mitigation Services does not receive the completed “Homeowners Financial
                Package” within the allotted time frame of twenty-one (21) days of this Agreement date.
               If client(s) decide to communicate with their lender and provides any information to the lender
                and/or any other party servicing company handling the mortgage during mediation. InterUSA.
                Loss Mitigation Services will not be held responsible for the outcome of your case. Client
                understands that if contacted by the lender, please inform them to communicate directly with
                InterUSA. Loss Mitigation Services at: (909) 887-7071.
               Any unprofessional behavior including screaming, cursing, or threatening any bodily harm,
                and/or other behavior that might cause the lender and/or any other party to withdraw from such
                a “Solution.”
               Failure to forward any and all correspondence regarding your mortgage; i.e. your mortgage
                lender, service or lenders attorney.
               Failure to secure the required funds for the down payment/contribution to lender after
                negotiations is completed by InterUSA. Loss Mitigation Services.
               Non-payment of balance due of Service Fee within twenty-one (21) days of Agreement date.
               Failure to disclose all outstanding mortgages, real estate holdings, current occupancy and rental
                related information with regards to establishing financial information to our company. We are
                not held responsible for failure to produce such information.
               Failure to disclose and/or provide any approved workout solutions between Lender and Client
                during the process of InterUSA Loss Mitigation Services involvement in the transaction, in
                order to attempt to circumvent InterUSA Loss Mitigations involvement in the process.

CLOSED FILE CLAUSE: The client well is charged an additional fee that has been closed due to the client
failing to complete the terms of the negotiated workout, or has “impeded” the negotiations while the case was
open. The fee can be up to one half (1/2) of the original service fee. InterUSA Loss Mitigation Services will not
be held responsible if client fails to make payment as required by mortgage lender in any workout solution
agreement negotiated by InterUSA Loss Mitigation Services.

CALIFORNIA DISCLOSURE FORM: A California disclosure form is attached, this form must be signed in
front of a notary public and a copy must be returned to InterUSA Loss Mitigation Services prior to starting any
work. The Disclosure Notice provides homeowners with additional rights and knowledge pertaining to
foreclosure law in your state.

LIMITATION OF LIABILITY: The client and InterUSA Loss Mitigation Services agrees that any claim for
damages by client against said company shall be strictly limited to that service fee pursuant to this agreement.
Client acknowledges and agrees that Inter-USA Loss Mitigation Services make no promises or warranty except
as expressly stated in this agreement. Client understands that InterUSA Loss Mitigation Services is a Nevada
Corporation and is not affiliated with any government organization.

Date_______________________

By:________________________              ____________________        __________________
       (Print your name)               Signature              Signature



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                                 Inter-USA Loss Mitigation Services

                                  ESCROW DEPOST INFORMATION

        SEND PAYMENT and WORKING AGREEMENT TO: Escrow of the West
                                        Attn: Reta Narkazian
                                        9440 Santa Monica Blvd, Ste. 310
                                        Beverly Hills, CA 90210

Client Name:__________________________ Address:___________________________

City:_______________________ State __________ Zip Code _____________________

Phone Number ___________________ Cell _____________ Date:_________________


Pursuant to California State Law, InterUSA Loss Mitigation Services, DOES NOT COLLECT AN UP FRONT
SERVICE FEE FOR SERVICES. InterUSA Loss Mitigation Services DOES HOWEVER REQUIRE CLIENT
(S) TO SEND THE SERVICE FEE TO ESCROW OF THE WEST, a neutral third party company. Upon
completion of this Agreement, stated service fee shall be released to InterUSA Loss Mitigation Services.

The Service fee to InterUSA Loss Mitigation Services will be placed into an escrow trust account with
ESCROW OF THE WEST, 9440 Santa Monica Blvd, suite 310, Beverly Hills, CA 90210, 310-402-5555 Fax
310-402-5556, and credited to client for service fee pursuant to this Agreement. Escrow of the West is intended
to be a third party of this Agreement as to distribution of funds only. Escrow of the West shall not be deemed to
be a partner or agent of Inter-USA Loss Mitigation Services and shall not be liable for any disputes arising from
this Agreement.

Certified Funds Enclosed $_______________ overnight money order, cashier check or certified funds are the
only acceptable methods of payments. NO PERSONAL CHECKS ACCEPTED

The original of this Agreement must be sent to Escrow of the West along with the appropriate fees. A copy of
the check along with a copy of the signed agreement must be faxed to Inter-USA Loss Mitigation Services to
the following number: (909) 887-7071. [Note: Always keep a copy for yourself}

BANK WIRE INSTRUCTIONS: City National Bank, 15260 Ventura Blvd., Sixteenth Floor, Sherman
Oaks, CA 94103 ABA Routing Number122016066 Account Number 013-437475 Escrow of the West
Trust Account credit to escrow officer Reta Narkazian.

Please do not send working agreement to the bank address. Send it directly to Escrow of the West via
UPS, USPS, FedEx, etc. NO PERSONAL CHECK ACCEPTED.

The original of this Working Agreement must be sent overnight to Escrow of the West with a copy of the bank
wire receipt, money order or cashiers check. A copy of the wire receipt or money order or cashiers check must
also be faxed out to Inter-USA Loss Mitigation Services at (909) 887-7071 attn: Charlie Pagan.




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                                     InterUSA Loss Mitigation Services

                                   NOTICE OF CANCELLATION FORM

Client Information

____________________                _________________________                    __________________
Today‟s Date                        First Name, Last Name                        Phone

Street Address                               City                       State             Zip Code

Enter Transaction Date

5-DAY RIGHT TO CANCEL: Client may cancel this Agreement within 5 business days of inception.
IN order to cancel, Client MUST SIGN AND SEND BY CERTIFIED MAIL THE NOTICE OF
CANCELATION FORM POSTMARK ON OR BEFORE THE EXPIRATION DATE OF THIS
AGREEMENT.

                              Return to: Inter-USA Loss Mitigation Services
                                 5280 N. Little Mountain Drive Suite H6
                                      San Bernardino, CA. 92407
                                   909-887-7071 / 909-887-7071 Fax

NOT LATER THEN MIDNIGHT OF ________________________________________
                          (Date 5 business days from Agreement date)

[Do not date and sign the line directly below unless you are cancelling your agreement]
---------------------------------------------------------------------------------------------------------------------------
5 Business Day Right to Cancel

I hereby cancel this transaction for services.



Clients Signature                                                       Date



Clients Signature                                                       Date




                                                                                                          Initial ___/___
                                                         13 of 20
                             Inter-USA Loss Mitigation Services

                               FINANCIAL STATEMENT
                                 Borrower Information
Account Number (s)
Type of Loan
1ST Mortgage Servicer
2ND Mortgage Servicer
Address of Property
Borrower Name
Borrower Social Security #
Borrower mailing address
Borrower phone numbers
Co-Borrower Name
C0-Borrower address
C0-Borrower phone number
                                INCOME INFORMATION
INCOME SOURCE            Borrower 1      Borrower2            Total
Net Monthly pay-job 1    $               $                    $
Net Monthly pay-job 2    $               $                    $
Bonuses                  $               $                    $
Child Support/alimony    $               $                    $
Rental property          $               $                    $
Disability/sis/retire    $               $                    $
Room rental              $               $                    $
Other                    $               $                    $
Other                    $               $                    $
TOTAL                    $               $                    $
                                EXPENSE INFORMATION
LOANS
LOAN SOURCE                     Monthly Payment             Amount Due
Monthly Mortgage 1              $                           $
Monthly Mortgage 2              $                           $
Automobile 1                    $                           $
Automobile 2                    $                           $
Other                           $                           $
Other                           $                           $
Other                           $                           $




                                                                         Initial ___/___
                                          14 of 20
                              Inter-USA Loss Mitigation Services
                           EXPENSE INFORMATION (CONTINUED)
CREDIT CARDS
COMPANY                           MINIMUM MONTHLY PMT               BALANCE DUE
VISA                              $                                 $
MASTER CARD                       $                                 $
                                  $                                 $
                                  $                                 $
                                  $                                 $
MONTHLY UTILITY
Electricity                                        $
Gas                                                $
Water                                              $
Trash/Sewer                                        $
Phone                                              $
Cell phone                                         $
Cable/internet                                     $
Homeowners Association dues                        $
Other                                              $
Other                                              $
MONTHLY TAXES AND INSURANCE
Property Insurance (if not included in monthly house pmt-impound)     $
Property Taxes (if not included in monthly house pmt-impound)         $
Auto Insurance                                                        $
Health Insurance                                                      $
Life Insurance                                                        $
Other                                                                 $
HOUSEHOLD, PERSONAL AND TRANSPORTATION
Food                                               $
Work/school lunches                                $
Cleaning and personal supplies                     $
Child care/ day care                               $
Education/Tuition                                  $
Charity                                            $
Animal                                             $
Medical                                            $
LIQUID                       ASSETS AND INCOME
ASSETS                                             ESTIMATED VALUE
Cash                                               $
Checking and Savings                               $
Certificated of Deposit (COD‟s)                    $
Stocks, Bonds, and Mutual Funds                    $
All Retirement Assets (401 (K), IRA‟s, etc.)       $
TOTAL LIQUID ASSETS                                $
                                                                                  Initial ___/___
                                               15 of 20
                              Inter-USA Loss Mitigation Services
                              ASSET AND INCOME (CONTINUED)

NON-LIQUID
Assets                    Est. value                Balance due               Net value
Primary Home              $                         $                         $
Other Home                $                         $                         $
Automobile 1              $                         $                         $
Automobile 2              $                         $                         $
Automobile 3              $                         $                         $
Cash Value of Life Ins    $                         $                         $
Boat                      $                         $                         $
Trailer                   $                         $                         $
Other-2nd home            $                         $                         $
Other                     $                         $                         $
TOTAL NON-                $                         $                         $
LIQUID ASSETS

TOTAL MONTHLY NET INCOME                                    $
TOTAL MONTHLY EXPENSES                                      $
SURPLUS OF INCOME                                           $
Please be prepared to provide copies of the following information: current pay-stubs, 2 months
bank statements, SSI Statements, Child-Support Payments, Disability Income, Self-Employed Income
(may need profit and loss filled out), rental income, or any other proof of income generated, copies of
the Lender Notice of Default Information Letter, When claiming hardships- we will need any medical
letters, bills, etc., or anything that would substantiate our claim for hardships.



I hereby certify that the financial information presented above is true and an accurate
account of my financial conditions.



HOMEOWNER SIGNATURE                                 HOMEOWNER SIGNATURE


       DATE                                                 DATE




                                                                                          Initial ___/___
                                               16 of 20
                              Inter-USA Loss Mitigation Services

                            CLIENT EXPLANATION OF HARDSHIP


What changes(s) or event(s) have occurred since your loan origination that has caused you to fall
behind on your mortgage payments?




How did this impair your overall ability to afford your mortgage payments?




                                                                                        Initial ___/___
                                               17 of 20
                               Inter-USA Loss Mitigation Services
When did the change(s) and/or event(s) occur?




Do you anticipate upon any improvements with regards to your financial situation?           Yes
_______No. If yes, please explain




How much are you able to contribute towards your loan today? $

When can we anticipate upon receiving this money?

How much are you able to contribute towards your loan in thirty (30) days? $



                ACKNOWLEDGEMENT AND AUTHORIZATION


I (we) agree that the financial information provided is an accurate statement of my (our) financial
status. I (we) understand and acknowledge that any action taken by the lender of my (our) mortgage
loan on my (our) behalf will be made in strict reliance on the financial information provided. I (We)
authorize verification or re-verification of any information contained in this Financial Statement at
anytime by the lender, its agents, successors and assigns, either directly or indirectly through a third
party, including but not limited to a credit report agency, from any source named in this Financial
Statement or otherwise submitted in connection therewith. My (Our) signature(s) below grants the
lender and/or the loss mitigation company involved the authority to contact my realtor, credit
counseling service representatives (if applicable), or any third party with respect to matters represented
in this Financial Statement.

By:______________________________________ Date: _____________________
  Signature of Borrower

By:______________________________________ Date: _____________________
  Signature of Co-Borrower


                                                                                          Initial ___/___
                                                18 of 20
                             InterUSA Loss Mitigation Services
                           CALIFORNIA DISCLOSURE FORM
                                          Notice To Owners

____________________          ___________________           ________________________
Date of Agreement             Date Signed by Owner          Date of Foreclosure Sale

You may be entitled to receive all or a portion of the surplus funds generated from the foreclosure sale
of your real estate property located
at__________________________________________________________, without paying any fees or
costs of any kind to a third party. You should check directly with the trustee or beneficiary who
conducted the foreclosure sale of your property to determine the name, address, and telephone
numbers of the party to whom you can direct any inquiries regarding filing a claim for surplus funds
without paying a fee to a third party. No person or entity may require you to enter into any agreement
requiring the payment of a fee to that person or entity in order to receive the surplus funds from the
foreclosure sale to which you may be entitled during the 65 days after the date of the trustee‟s sale.

NOTICE REQUIRED BY CALIFORNIA LAW:

INTER-USA LOSS MITIGATION SERVICES CANNOT TAKE FUNDS FROM YOU DIRECTLY
UNTIL INTER-USA LOSS MITIGATION SERVICES HAS COMPLETELY FINISHED DOING
EVERYTHING IN ACCORDANCE WITH THE MUTUALLY AGREED UPON AGREEMENT.
INTER-USA LOSS MITIGATION SERVICES CANNOT ASK YOU TO SIGN ANY NOTES,
LIEN, DEED OF TRUST, OR ANY TYPE OF DEED. ALL FUNDS WILL BE DEPOSITED INTO
A 3RD PARTY TRUST ACCOUNT, COMMONLY KNOWN AS ESCROW OF THE WEST.

____________________________________                        _____________________
Primary Homeowner‟s Signature                               Date

___________________________________                         _____________________
Co-Owner‟s Signature                                        Date

State of California
County of:______________________ This_________ day of ______ 20___________

Then personally appeared the above named person(s), and acknowledged the foregoing instrument to
be his/her.

                                      ______________________________________
                                      Notary Public

                                      My Commission Expires _________________



                                                                                         Initial ___/___
                                                19 of 20
                               InterUSA Loss Mitigation Services

                               OWNER OCCUPANCY STATUS FORM

I____________________________ by signing this owner occupancy status form fully declare that my
present ownership status is that of living in the subject property located at_______________________
in the City of _______________________ zip code of___________ State
of_____________________. I also declare that this is my primary residence and that said property is
not currently being used as a rental property.

I also declare that my mortgage provider on the above property has full knowledge that at the time of
origination of my mortgage note, that lender approval of my loan was based upon said property
showing as my primary residence under certain guidelines instituted by them.

I also declare that this property is in the name of the following individuals and that one or all of these
individuals currently occupy the property.

1.__________________________________                   3.______________________________________

2.__________________________________                   4.______________________________________


By signing on the below line, I/We certify that this information provided for is true.

___________________________________                    ________________________________________
Client [Primary]                                       Client [Co-Borrower]




                                                                                            Initial ___/___
                                                 20 of 20

				
DOCUMENT INFO
Description: California Deed in Lieu of Forclosure 2 Mortgages document sample