Notice of Error Regarding Misinformation Given During Phone Call to Mortgage Servicer

There is no special language/verbiage.

Keep is simple.

Stick to one issue per NOE.

Pertinent loan/debtor information – “name, rank, and serial number”

Called bank twice. Tried to get borrower reviewed for FHA Recovery Mod.

Both times I was essentially told that the loan was “too many months delinquent” to be reviewed for FHA Recovery Mod.

I was also told that a modification application was required.

Subject loan is almost 100 months in default.

Request section of guidelines that state how max months delinquent a borrower can be. Of course, guidelines do not have a “cap”.

May also ask for section of guidelines that state an application was required. Again, guidelines do not require application.

May also send a letter/application to loss mitigation department giving them all info necessary to be reviewed for FHA Recovery Mod.

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