LOAN MODIFICATION

"The difference between a successful person and others is not a lack of strength, not a lack of
knowledge, but rather a lack in WILL." - Vince Lombardi

“As our client we will give you back your WILL!”

 Customer Enrollment Package

Client’s Name: Bobby Fakunle

THE U.S. MITIGATION SERVICE would like to congratulate you on your decision to take
control of your financial future and for allowing us to provide you with some of the most
effective solutions to solving your pending real estate problem. As a valued THE U.S.
MITIGATION SERVICE customer, you can be assured that we will be available to answer all
your questions and concerns throughout the negotiation process. As you regain control of your
personal finances, THE U.S. MITIGATION SERVICE will make this as easy and painless as
possible. Our refund policy is based on that there is no breach of policy with you the client and
keep in mind if we can’t resolve your modification to industry standards we will refund 100% of
your money, GUARANTEED!

The easy enrollment process needs to be completed for us to begin the negotiation process. On
the following page you will find an enrollment checklist for your reference. Please follow
instructions on the checklist, and be as detailed as possible when filling out the enrollment
package.

A checklist has been provided for your convenience showing all documents that are necessary to
begin the process. Please follow the instructions on the checklist to ensure the proper completion
of your file. We have your preliminary file Therefore, it is important we receive these documents
via fax or mail no later than: 3:00pm PST on the second delivery day after receiving this
package. Once again, THE U.S. MITIGATION SERVICE would like to thank you for your
decision to allow us to help you work through this difficult time. To Your Success!

2 [ ]
Thank you for entrusting your home to The U.S. Mitigation Service, LLC! We look forward to
working with you and keeping you in your home. Our goal is to make your mortgage affordable,
not just today but for the life of your loan.

As homeowners ourselves, we recognize the stress that an unaffordable mortgage puts on you
and your family. As such, each and every one of our owners, employees and affiliates is
committed to working with your lenders to expedite your loan mediation and get you into a
mortgage that you can afford. Our client-centered mediators work with you, keeping you
abreast of developments in your case to make this time as stress-free as possible. Unlike
“factory” modification companies that submit the same modification proposal for every client,
our mediators tailor the workout plan to fit your individual loan, even if it means negotiating
creative solutions with your lender. While this takes a bit more time and much more effort,
finding a way to keep you in your home is worth it!

Our client-centered approach isn’t the only thing that differentiates us from other loan
modification companies. In addition to our mediators’ outstanding customer service, The U.S.
Mitigation Service actually retains negotiators on your behalf to perform a mortgage audit to
identify federal and state legal violations which provide grounds for legal action, should you
choose to pursue it. These negotiators deal with lenders like yours every day and bypass the
normal red tape associated with loss mitigation departments. Also, if legal violations are found,
you have a choice of pursuing litigation, thereby maximizing your monetary recovery, or merely
allowing us to use the violations as leverage to get you the best possible modification. While
nearly every one of our clients opt for modification over costly and time consuming litigation,
we let you decide which avenue works best for your situation. For the same price or less than
other mitigation companies charge homeowners, The U.S. Mitigation Service pursues every
avenue possible to save your home.

Our SOLE focus is on you, the client. As such, we are only concerned about your financial
future, not the Lender’s. We work for you our client with no up front fees. Our counselors access
your situation, we do a pre-qual to make sure you actually qualify, and then contact your lender
and go over your file, and then share all of the information with you so you can decide if you
would like to go to step two. And keep in mind if you choose to stop the process there is
absolutely no charge for the work already completed.

During this process, it is essential for you to feel comfortable with the process and with your
mediator. Please do not hesitate to contact us at any time, even if it’s just to ask a quick question
or get some peace of mind. We look forward to working with you!
Sincerely,
K.Michael Kinses
K. Michael Kinses, CEO/Pres.
The U.S. Mitigation Service, LLC
Office 714-683-0500 Fax 714-683-0550 michaelk@thesmartmtg.com
*A benefit to your situation is based on a common sense evaluation of where you were and what this process has
done to help to lessen your hardship in these unique times. Each file is based on its own merits which reflects in the
offer from your lender, as such we can not deal in exacts on the outcome. We can share some of our past
experiences but in law we can not guarantee to guarantee. In closing, for our company to accept
your case, we are expecting a favorable outcome. 9/2009

REQUIRED DOCUMENT LIST

First Loan Number: ______________________ Bank’s Name:_______________________________

Second Loan Number: ____________________ Bank’s Name:_______________________________

Third Loan Number: _____________________ Bank’s Name:_______________________________

In order for Loan Modification to begin, you will need to provide us with all the following information. It is
EXTREMELY important to submit a complete package because missing information will delay the processing of
your request. Please check of each item as you complete it and/ or gather it for your package.

Please rush this info to your [U.S. MITIGATION SERVICE] representative as quickly as possible. Please allow
time for the processing of your paperwork. Loan modification is carefully achieved through correspondence with
your lender.

Please attach this sheet to the front of your request package.

 EXPLANATION OF FINANCIAL HARSHIP- This form allows you to explain in detail the reason behind your
financial situation. In addition to filling out this form you will need to provide any and all proof of your hardship
claim, such as medical bills, death certificates, unemployment stubs, and divorce decree, etc. If there is more than
one borrower each person needs to complete a separate form.

 COPIES OF MOST RECENT PAYROLL STUBS- Please provide copies of pay stubs for the month most
recently worked for both the borrower and co-borrower.
▫ (IF SELF EMPLOYED) COPIES OF MOST RECENT FEDERAL INCOME TAX RETURN- Provide
copies of original and dated tax returns, including all schedules, for the most recent tax year for both borrowers.

 COPIES OF YOUR MOST RECENT BANK STATEMENTS- Please provide copies of the last 3 months bank
statements for all accounts, please provide ALL pages front and backs if necessary. If you need help obtaining your
statements either online or by phone see your representative for help.

 MORTGAGE COUPONS- Include all correspondence from the lender about late payments or foreclosure action.
 MORTGAGE NOTE
 COPIES OF ALL INCOME STATEMENTS-
 401K/ESOP, RENT INCOME, STOCKS/BONDS, CDs/MONEY MARKET ACCT.

 COPIES OF YOUR MOST RECENT CREDIT CARD BILLS/STATEMENTS

 COPIES OF REAL ESTATE TAX BILLS
 COPIES OF ANY ADDITIONAL PAYMENTS SUCH AS ALIMONY/CHILD SUPPORT, etc.
[ ]
4
 Limited Power of Attorney
I (we), _______________________________________________________ hereby appoint
THE U.S. MITIGATION SERVICE, 1648 S. CLEMENTINE ST., ANAHEIM, CA 92802-2901,
866-802-7932, as my attorney in fact, with full power and authority to represent me in
negotiating the validity, reduction, settlement, and payment as may be required, of accounts
owed to my creditors.

I (we) also authorize THE U.S. MITIGATION SERVICE to request and receive confidential
credit and account information from creditors, credit reporting agencies, and other third parties
who are involved with my credit issues. I (we) further authorize THE U.S. MITIGATION
SERVICE to release a copy of this Limited Power of Attorney to my creditors.

Lender Name: ____________________________Acct. # _________________________

Client’s Name: __________________________________________

Spouse/ Cosigner’s Name: n/a_________________________________________________

Address:________________________________________________________________

City:____________________________ State:_________________ Zip:__________

Client’s Date of Birth:____________ Spouse/ Co-signers Date of Birth:______________

Client’s SSN:___________________ Spouse/ Co-signers SSN:____________________

9
 A
uthorizationtoR
eleaseInform
ation

To Whom It May Concern:

I/We hereby fully authorize you to release to The U.S. Mitigation Service, LLC and any and all
employees, associates, assignees, or partners of these entities, including but not limited to any
attorneys retained on my behalf, any and all information that they may require, including but not
limited to: my loan note; documentation regarding the application for, origination of, and/or
transfer or assignment of my note; any and all communications, or documentation thereof,
regarding or pertaining to my loan; loan balance(s); payoff(s); any and all credit transactions; tax
return information and documentation; loan reinstatement negotiations and/or communications;
loan transfer; or loan inquiry. I/We further authorize any documents to be delivered to the above
named. This document may be reproduced as required to acquire references from more than one
source.

Be further informed that this authorization will remain effective until I specifically notify your
Loss Mitigation Department in writing that this authorization is of no longer in force or effect.

Please make the appropriate notification in your system to reflect this authorization.

Lender: Loan #

Property Address:

Date:

Thank you,

Name: Signature:

Social Security # - -

Name: Signature:

Social Security # - -

Client’s Signature:_______________________________ Date:___________________

Client’s Signature:_______________________________ Date:___________________

 Personal Financial History
(Sign Where Indicated--We will complete the document with you.)

Loan Number:______________________________ Date Prepared: ___________

Borrower's Name:___________________________________________________

Borrower's SS: ______________________________________________________

Borrower's Employer:__________________________________________________

Co-Borrower's Name__________________________________________________

Co-Borrower's SS#___________________________

Co-Borrower's Employer__________________________________________________

Daytime Phone: (______)____________________

Evening Phone: (_______)____________________

Number of Dependents:_______________________

Number of People That Live in the Household:__________

Property Address:______________________________________________________________

Mailing Address (If Different):___________________________________________________

Monthly Income
Borrower's Gross Monthly Income:_______________________________________________
Borrower's NET Monthly Income:________________________________________________
How often is Borrower Paid? (Circle One)
Weekly Bi-Weekly Bi-Monthly Monthly
Co-Borrower's Gross Monthly Income:
Co-Borrower's NET Monthly Income:____________________
How often is the Co-Borrower Paid? (Circle One)
Weekly Bi-Weekly Bi-Monthly Monthly

7
 PersonalDataForm
Privacy Statement: This information is being used to perform preliminary qualifications. The Social Security Number is used as a unique identifier. Any
information contained within this Personal Data Form may be forwarded to your lender, loan service, their attorney and any applicable organization.
3/24/09

Borrower: Co-Borrower: Date:

Social Security #: - - Social Security #: - -

Property Address: Home Phone: ( ) -

City: Work Phone: ( ) -

State: Zip Code: Cell Phone: ( ) -

Mailing Address: (If Different) Fax: () -

Email:

Lender Name: 2nd Mtg Lender/Lien:

Loan #: 2nd Loan #:

Loan Type (FHA/VA/Conventional) Type of Loan: FHA/VA/Conventional)

Lender Phone: ( ) - 2nd Lender Phone: ( ) -

Interest Rate: ______% Interest Rate:_____%

Fixed? ARM? Neg Am? _____ Fixed? ARM? Neg Am?____

Borrower’s Employer: _______________ Co-Borrower’s Employer: _______________

Address: _______________________ Address: ________________________________
Years Employed: ________________ Years Employed: _________________________
Hourly Wage_____ OR Salary: _____ Hourly Wage_____ OR Salary: ___________
Net Income: _____________________ Net Income: ____________________________

Have you received a Notice of Default? YES / NO

8
Have you received a Notice of Sale? YES / NO

Are you in foreclosure? YES / NO

Do you have a sale date? YES / NO

1st mortgage payment: $ # months behind: months

Arrears: $ _________

2nd mortgage payment: $ # months behind: months

Arrears: $ _________

Are property taxes and insurance escrowed? YES / NO

Monthly tax: $____________ Monthly insurance: $____________

_______________________________________________________________________

Have you ever filed bankruptcy? YES / NO

Are you CURRENTLY in bankruptcy? YES / NO

Type of bankruptcy: Chapter 7 Chapter 13

Filing date:

Did you buy the house after filing? YES / NO

Did you reaffirm the mortgage? YES / NO

Discharge date:

Was the discharge without restriction? YES / NO

Do you have the discharge letter? YES / NO

Have you made any previous arrangements with your mortgage holder? _________
___________

What happened to that arrangement?

________________________________________________________________________
________________________________________________________________________
________________________________________________________________________
_______________________________________

9
Have you refinanced since the original loan? YES / NO Date:

In your opinion, what is the MOST your monthly mortgage could be and
still be affordable? (NOTE: This is NOT the amount for which we will

negotiate; we will work for a much lower payment, if possible).

$______________________________

How much do you have available towards the delinquency as of today?

(A) $ _____

How much money will you have available in the next 45 days?
(B) $

Total amount available: (A + B) $

By signing this form, I certify that the information provided in this application is true and
correct to the best of my/our knowledge, information and belief.

Client Signature

Client Name Date

Client Signature

Client Name Date

The US Mitigation Service LLC is a full service company working in conjunction with
The Mortgage Broker Incorporated a California Corporation both located in Anaheim,
California. Together, the companies provide loan modifications, real estate services,
mortgage loans, reverse mortgage loans, and debt reduction services.

"The difference between a successful person and others is not a lack of strength, not a
lack of knowledge, but rather a lack in will." - Vince Lombardi

9/08/09

10