If you are behind on your mortgage and you’ve tried to reach someone at the bank to discuss your situation, then I am sure you are familiar with the run-around you get when you try to discuss your situation. It almost seems like they don’t want to help—one department doesn’t seem to have a clue what the other does or what is required. You can talk to 5 different people on five days in one week and get five different responses –to the same questions. It’s enough to make you want to hurt somebody. Instead of resorting to violence, may we suggest you call the GUARANTOR who insures your loan for some back up? Since they stand to lose the most if there is a foreclosure they have a vested interest in trying to facilitate a workout –if you have reasonable chance of being able to make the payment. Additionally, if you’re trying to get a short sale approved and the lender/servicer is being unreasonable about the amount which is needed or has set some unrealistic stipulations for a closing, you could get support from this—YOUR SILENT PARTNER—in getting a resolution.

1. “ Your Real Estate Advisor” INtro #14 Who You Gonna Call When the Bank Won’t Cooperate? Brought to you by: Home Ownership Matters Training Institute

2. Objective To direct viewers to options for either getting some help when the lender is non-responsive or is uncooperative, or, if all else fails, viewers will have the correct place to file a complaint due to such failure. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

3. It Ain’t Ghostbusters YOU Can Work Wonders! Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

4. Guarantors Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved. HUD VA USDA Farmer Mac PMI

5. Let’s Start with Your Specific Servicer They’re not in the Witness Protection Program but neither are they listed in your local newspaper Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

6. Let’s Start with Your Specific Servicer We did find a very comprehensive list on www.IamFacingForeclosure.com Here’s what you do: 1) Go to www.IamFacingForeclosure.com 2) Click on the link to their blog 3) Click on the link that says “Loss Mitigation Phone Numbers” 4) Find your specific servicer on that list, then contact them. It’s that easy. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

8. Private Mortgage Insurers Who are they? What do they do? Why should they care? Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved. P rivate M ortgage I nsurers

10. We’ve pointed you in the right direction. Do your homework and best of luck With a workout which WORKS OUT FOR YOU! Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

11. Partial List of Webinars Offered by HOM Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved. Vol 01: Getting to the Closing Table Vol 02: Is it Fraud or “just predatory”? Vol 03: Brokers: Are Your Agents Putting You at Risk? Vol 04: PALM—Practical Application of Loss Mitigation Vol 05: Secrets of a Professional BPO Vol 06: Fair Housing Vol 07: Seller is the Lender Vol 08: Short Sale: Not Your Typical Transaction Vol 09: Foreclosure Intervention: Why Do You Need a Specialist? Vol 10: Buying REO is Risky Business The BT Series Vol 11: Buying TIME—When Your Money is Running Out Vol 12: Mr. Smitherman—The Connection for Your Housing Situation Vol 13: Q W R—In Detail Vol 14: Foreclosure: a PROCESS & an EVENT Vol 15: Taking Charge of Your Housing Situation

12. HOM Disclaimer/Hold Harmless The material provided is deemed to be reliable and accurate at the time of publication. However, the subject matter is undergoing almost constant change and you should assume responsibility for current research on procedures, policies, guidelines and changes in the law concerning your housing situation. Trainer has relied upon such sources as the National Consumer Law Center but is NOT an attorney. This information is provided as a community service. Please seek legal counsel to address your specific mortgage or housing situation and to determine your rights and responsibilities. Home Ownership Matters, LLC and contributing author hereby disclaim any responsibility or liability which may be asserted or claimed arising from reliance upon the information provided. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.

13. Survey You can take the survey online at: http://www.surveymonkey.com/s.aspx?sm=2M63rhnWI80dBfs72fg_2f_2fQ_3d_3d Or fax this to (Toll Free): (877) 587-4507 Name: _________________________________ Phone: _____________________ Firm Name (If Applicable): ______________________________________________ Address: _____________________________________________________________ City: ____________________ State: ____________ Zip: ______________________ E-Mail Address: _______________________________________________________ I would like to be added to the HOM Distribution List: ___ Yes ___ No I understand that my information will not be sold or shared with anyone other than HOM ---------------------------------------------------------------------------------------------------------- Please let us know if you have any questions or comments: ____________________________________________________________________________________ ____________________________________________________________________________________ ____________________________________________________________________________________ What would you like to see HOM do in the future? (Webinars, courses, e-mails, articles, etc): ____________________________________________________________________________________ ____________________________________________________________________________________ ____________________________________________________________________________________ Thanks for your input, we really appreciate it! Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.