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.