IMMEDIATE ACTION REQUIRED: If you have endured a foreclosure recently or are currently involved in a foreclosure; please make time to follow these resource links and take action towards receiving your part of the settlement. God Bless All.

EXECUTIVE SUMMARY OF MULTISTATE/FEDERAL SETTLEMENT OF FORECLOSURE MISCONDUCT CLAIMS

If your primary residence was involved in a foreclosure process between January 1, 2009 and December 31, 2010, you may qualify for a free Independent Foreclosure Review.

The Independent Foreclosure Review will determine whether individual homeowners suffered financial injury and should receive compensation or other remedy because of errors or other problems during their home foreclosure process.

If you believe you are eligible to participate in the program, you may complete and submit a Request for Review Form. It is important that you complete the form to the best of your ability; all information you provide can be useful. You must have been a customer of one of the mortgage servicers listed below. Not sure who your servicer is?

All Requests for Review Forms must be submitted online or postmarked no later than December 31, 2012.

I. Relief for Struggling Homeowners

II. Refinancing of Underwater Homes

III. Mortgage Servicing Reforms

IV. Monitoring and Enforcement

V. Payments to Foreclosure Victims

VI. Payments to the States

VII. Release of Claims

The settlement was not intended to address issues related to mortgage loan securitization or the

concerns of investors. The settlement does not release securitization claims, so private parties

and government officials are free to pursue those claims. Nor does the settlement provide any

immunity or release for criminal conduct.

https://d9klfgibkcquc.cloudfront.net/NMS_Executive_Summary-7-23-2012.pdf

https://independentforeclosurereview.com/

http://federalreserve.gov/mediacenter/vlink.htm?bcpid=738917326001&bckey=AQ~~,AAAAD2CGfQE~,o7E-F2eteXOq24Nb1BSfw9-MMjWzkave&bcpid=720309829001&bckey=AQ~~,AAAAD2CGfQE~,o7E-F2eteXMoEVLLY98AnOfR2ME8A5iN&bctid=1648914231001

http://savethedream.ohio.gov/NMS-families.aspx

FOR BORROWERS NOT ELIGIBLE FOR ASSISTANCE UNDER THIS SETTLEMENT

The National Mortgage Settlement is not the only assistance available to troubled borrowers. The following Web sites include valuable information for borrowers regardless of whether you are eligible for this settlement:

• www.makinghomeaffordable.gov
• www.independentforeclosurereview.com

You may also call: 1-800-569-4287 to connect with a HUD-approved housing counselor.

Loans owned by Fannie Mae or Freddie Mac are not impacted by this settlement. You may visit the following websites to learn if your loan is owned by either Fannie Mae or Freddie Mac:
• www.fanniemae.com/homeaffordable
• www.freddiemac.com/avoidforeclosure

These sites will also include information about mortgage and foreclosure programs you may be eligible to access.