Northern Arizona Council of Governments

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Northern Arizona Council of Governments"

Transcription

1 Northern Arizona Council of Governments 119 EAST ASPEN AVENUE FLAGSTAFF, ARIZONA (928) FAX (928) KENNETH J. SWEET EXECUTIVE DIRECTOR Dear Homeowner, Thank you for contacting us for assistance with your mortgage issues. To assist us in providing you with the most effective and efficient service, please complete, sign and return the following forms: Client Authorization and Release Third Party Agreement and Release Client Counselor Agreement Privacy Notice Client Information form. In addition to the attached documents, provide the following information, either via fax at or by mail to: NACOG Housing Counseling, 119 E Aspen Avenue, Flagstaff, AZ Hardship Letter Copy of your current credit report (it may be obtained free of charge at Most recent pay stubs for all employment and/or benefits award letters Last two months of all bank statements Last year s tax return Any correspondence from the mortgage company or its attorney, even if it s unopened Any documentation from the courts or the sheriff regarding a foreclosure All of the above information is needed to help you resolve the problems you are having with your mortgage. If there are questions or information you don t understand, feel free to contact this office at (928) or Sincerely, Housing Counselor FOR TTY ACCESS, CALL THE ARIZONA RELAY SERVICE AT AND ASK FOR NACOG AT

2 FORECLOSURE MITIGATION COUNSELING PROGRAM CLIENT AUTHORIZATION AND RELEASE 1. I understand that Northern Arizona Council of Governments (NACOG) provides foreclosure mitigation counseling after which I will receive a written action plan consisting of recommendations for handling my finances, possibly including referrals to other housing agencies as appropriate. 2. I understand that NACOG receives Congressional funds through the National Foreclosure Mitigation Counseling (NFMC) program and, as such, is required to share some of my personal information with NFMC program administrators or their agents for purposes of program monitoring, compliance and evaluation. 3. I give permission for NACOG, NFMC program administrators and/or their agents to pull my credit report up to two additional times between now and December 31, 2012 and to give authorization for NACOG and NFMC program administrators and/or their agents to follow-up with me between now and December 31, 2012 for the purposes of program evaluation. 4. I give permission for NACOG to release or otherwise disclose any information I give to NACOG, and any credit information obtained by NACOG on my behalf to the Arizona Department of Housing (ADOH) or its agents for the purposes complying with the requirements of the NFMC program. I understand that NACOG, ADOH, or ADOH s agents may disclose any information obtained about me during the counseling program to the Neighborhood Reinvestment Corporation, a nonprofit corporation chartered by the Congress of the United States, or its affiliates and agents, as necessary to comply with the requirements of the NFMC program. 5. I acknowledge that I have received a copy of NACOG s Privacy Policy. 6. I may be referred to other housing services of the organization or another agency or agencies as appropriate that may be able to assist with particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me. 7. A counselor may answer questions and provide information; however the counselor is not authorized to provide legal advice. If I want legal advice, I then must seek the advice of independent legal counsel. 8. I understand that NACOG provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from NACOG in no way obligates me to choose any of these particular loan products or housing programs. Client s signature: Date: Client s Name (print): Client s signature: Date: Client s Name (print): FOR TTY ACCESS, CALL THE ARIZONA RELAY SERVICE AT AND ASK FOR NACOG AT

3 Signature çsign Third-Party Authorization Form personal information and the terms of any agreements under the Making Home Affordable or Hardest Hit Fund Programs by Servicer or State HFA to the U.S. Department of the Treasury or their agents in connection with their [State HFA Entity] [State HFA Contact Name and Phone Numberj COUNSELOR above Servicer and the following third parties Mortgage LenderlServicer Name ( Servicer ) [Account][Loan] Number [Other Third Party] [Third Party Contact Name and Phone Number] The undersigned Borrower and Co-Borrower (if any) (individually and collectively, Borrower or I ), authorize the other public and non-public personal information contained in or related to the mortgage loan of the Borrower. This [Relationship of Other Third Party to Borrower and Co-Borrower] [Counseling Agency] [Agency Contact Name and Phone Number] Northern Arizona Council of Governments Kim Haislet (928) information may include (but is not limited to) the name, address, telephone number, social security number, credit (individually and collectively, Third Party ) to obtain, share, release, discuss, and otherwise provide to and with each The Servicer will take reasonable steps to verify the identity of a Third Party, but has no responsibility or liability to score, credit report, income, government monitoring information, loss mitigation application status, account balances, program eligibility, and payment activity of the Borrower. I also understand and consent to the disclosure of my verify the identity of such Third Party. The Servicer also has no responsibility or liability for what a Third Party does with such information. responsibilities under the Emergency Economic Stabilization Act. This Third-Party Authorization is valid when signed by all borrowers and co-borrowers named on the mortgage and I UNDERSTAND AND AGREE WITH THE TERMS OF THIS THIRD-PARTY AUTHORIZATION: until the Servicer receives a written revocation signed by any borrower or co-borrower. Borrower Co-Borrower Before signing this Third-Party Authorization, beware of foreclosure rescue scams! Please visit to verify you are working with a It is expected that a HUD-approved housing counselor, HFA representative or other Beware of anyone who asks you to pay a fee in exchange for a counseling service or Date Date Printed Name Printed Name authorized third party will work directly with your lender/mortgage servicer. modification of a delinquent loan. HUD-approved housing counseling agency.

4 Fax: Phone: Client Counselor Agreement Flagstaff, AZ Counselor Date Homeowner Date Homeowner Date sever its service assistance to me/us. I/we understand that breaking this agreement may cause the counseling organization to I /we will contact the counselor about any change in our situation immediately appointment will still end at the scheduled time. I/we will be on time for appointments and understand that if we are late for an tirneframe requested. 1/we will provide all necessary documentation and follow-up information within the verbally or in writing. I/we will always provide honest and complete information to my/our counselor whether I agree to the following terms of service. Development of a spending plan Analysis of the mortgage default, including the amount and cause of default Assistance communicating with the mortgage servicer and other creditors Timely completion of promised action Confidentiality, honesty, respect and professionalism in all services Presentation and explanation of reasonable options available to the homeowner Explanation of collection and foreclosure process Referrals to needed resources Northern Arizona Council of Governments and its counselors agree to provide the following services. 119 E Aspen Avenue NACOG

5 Northern Arizona Council of Governments (NACOG) Privacy Policy Northern Arizona Council of Governments (NACOG) is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared both verbally and in writing will be managed within legal and ethical considerations. Your nonpublic personal information, such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors, program monitors, and others only with your authorization and signature on the Foreclosure Mitigation Counseling Agreement. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. Types of information that we gather about you Information we receive from you verbally, on applications or other forms, such as your name, address, social security number, assets, and income; Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; and Information we receive from a credit reporting agency, such as your credit history. You may opt-out of certain disclosures 1. You have the opportunity to opt-out of disclosures of your nonpublic personal information to third parties (such as your creditors), that is. direct us not to make those disclosures. 2. If you choose to opt-out, we will not be able to answer questions from your creditors. If at any time, you wish to change your decision with regard to your opt-out, you may notify us in writing. Release of your information to third parties 1. So long as you have not opted-out, we may disclose some or all of the information that we collect, as described above, to your creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement of grant awards which make our services possible. 2. We may also disclose any nonpublic personal information about you or former customers to anyone as permitted by law (e.g., if we are compelled by legal process). 3. Within the organization, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Signature Date FOR TTY ACCESS, CALL THE ARIZONA RELAY SERVICE AT 1-8OO AND ASK FOR NACOG AT

6 Please fill out completely. Leave shaded boxes blank. CLIENT INFORMATION FORM Fax: Phone: Flagstaff, AZ of6 Has your ARM Reset? Privately Held? VA or FHA Insured? Option ARM? Hybrid ARM? Interest Only? ARM (Adjustable Rate Mortgage) Current Rate: Fixed Interest Rate: Loan Product Type Loan Status Monthly Mortgage Amount: Current Servicer s Loan Number: Current Servicer s FDIC Number: Current Loan Servicer Original Loan Number Original Lender s FDIC Number Name of Originating Lender Mortgage/Loan Information: What condition is the property in? What moderate or major repairs are needed? Home: Cell: Other: Phone Numbers and best times to reach you: House Number Street Name City State Zip How Many Children in the Household? Household Type Spouse s First Name Spouse s Last Name Age Race Ethnicity (Hipanic: Yes or No) Gender (male or female) First Name Client ID 119 E Aspen Avenue NACOG

7 Child Support Received Monthly Annual Spouse s Employment Hourly Hrs/wk Annual 2 of 6 Notes/Anticipated Changes: Other: Pension or Retirement Funds Assets Which Can Be Sold Anticipated Tax Refunds Court Cases Pending Against Others Savings Assets and Other Resources Amount Income Categoiy Total Household Income Monthly Annual Other: Food Stamps, Cash Assistance Monthly Annual SSI, Disability, Vet Benefits Monthly Annual Client Employment Hourly Hrs/wk Annual Household Income Sources:

8 FICA Income_Tax_Withheld Social_Security Payroll Deductions 3 of 6 Other Internet Cable TV Cell Land_Line Telephone: Water/Sewer Oil Electric Home Maintenance! Upkeep Gas Utilities Mobile_Home_Lot_Rent Insurance Real_Estate_Taxes Third_Mortgage Second_Mortgage Mortgage_or_Rent Home Related Expenses Other Credit Union Wage_Garnishments Type Of Expense Budget Actual or Expected Crisis Budget Household Expenses:

9 Clothing (Iroceri es Eating_Out Food 4 of 6 Pet Expenses Charity/Church Newspapers/Magazines Entertainment Student Loan Payments School Expenses Alimony or Support Paid Life Insurance Public_Transportation Gas and Maintenance Car Insurance Auto Payments Transportation Other Insurance Co-Payments or Premiums Dental Prescriptions Current Needs Medical Laundry and Cleaning ;:pe 0/Expense, Continued: Budget Actual or Expected Crisis Budget

10 Debts Credit Card Credit Card Credit Card Medical Bill Medical Bill Monthly Payment Balance Other Back Bills: (List) Co-sicined Debts Business Debts Other Month lv ExDenses TOTAL Other Important Debt Issues: Monthly Amount Balance Wage Garnishments Pending Court Cases Pending Utility Shut-offs Car Loan Defaults, Repossessions, or Tax Debts Student Loan Debts Other: Other: Notes/Anticipated Changes: 5 of 6

11 6 of 6 Printed Name Printed Name 5i nature Date has been withheld. We understand the necessity for accurate and complete information and we will All of the information that I/We have provided in this worksheet is correct and factual. No information Signature Date inaccurate information or an unwillingness to timely provide the counselor with the necessary provide any needed information to complete this worksheet. We understand that deliberately providing counselor will be provided. information or documents to assist us will result in a closing of our file and no further assistance from the

DATA INTAKE FORM. Email Address: Fax: Send authorization via: LOAN INFORMATION

DATA INTAKE FORM. Email Address: Fax: Send authorization via: LOAN INFORMATION DATA INTAKE FORM Date: Call In or Walk In CMAX #: Hud# Start Time: End Time: Borrower: DOB: Age: DOB: Age: Gender: M F Race Hispanic: Y N Gender: M F Race Hispanic: Y N Education level: Military Status:

More information

Housing Partnership is a HUD Approved Nonprofit Organization

Housing Partnership is a HUD Approved Nonprofit Organization Dear Homeowner: Congratulations for taking that tough first step and contacting the Housing Partnership about your mortgage. We understand how hard that can be and promise to work as hard as you do to

More information

Housing Partnership is a HUD Approved Nonprofit Organization

Housing Partnership is a HUD Approved Nonprofit Organization Dear Homeowner(s): Congratulations for taking that tough first step and contacting the Housing Partnership about your mortgage. Once we receive and review your intake package you will be contacted for

More information

MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSELING

MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSELING MORTGAGE DELINQUENCY AND DEFAULT RESOLUTION COUNSELING INTAKE PACKAGE Housing Partnership is a HUD approved nonprofit organization 1 Dear Homeowner: Congratulations for taking that tough first step and

More information

H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST

H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST PLEASE COMPLETE ITEMS 1 AND 2 BELOW AND FAX OR MAIL BACK TO OUR OFFICE. Complete the INTAKE FORMS as thoroughly as

More information

Neighborhood Housing Services of New York City, Inc. 307 West 36th Street, 12th Floor NY, NY 10018 Tel: 212-519-2500 Fax: 212-727-8171

Neighborhood Housing Services of New York City, Inc. 307 West 36th Street, 12th Floor NY, NY 10018 Tel: 212-519-2500 Fax: 212-727-8171 NHS of Bedford Stuvesant 1012 Gates Avenue Brooklyn NY 11221 Tel: 718-919-2100 Fax: 718-919-2725 NHS of East Flatbush 2806 Church Avenue Brooklyn, NY 11226 Tel: 718-469-4679 Fax: 718-469-4743 NHSNYC NeighborWorks

More information

Names of all Co-owners w/ Address (if different)

Names of all Co-owners w/ Address (if different) Foreclosure Prevention Intake Form I. CLIENT INFORMATION Date: Name(s) Address Home Phone Work Phone Best Times to Reach Marital Status Spouse (if any) Children (names and ages) Others in Household: II.

More information

Foreclosure Prevention Process

Foreclosure Prevention Process NHS of the Fox Valley One American Way Elgin, IL 60120 Phone: (847) 695-0399 Fax: (847) 695-7011 Foreclosure Prevention Process How to OBTAIN a one-to-one consultation with a HUD-certified counselor please

More information

Foreclosure Prevention Intake Form

Foreclosure Prevention Intake Form Foreclosure Prevention Intake Form PART 1 Date: Client Number: Reason for Visit: How Did You Hear About SCDHC? Applicant: Name: City: State: Age: Lender Realtor SCDHC Mail Website : Zip: Home #: Cell #:

More information

INTAKE FORM FORECLOSURE / PREDATORY LENDING COUNSELING

INTAKE FORM FORECLOSURE / PREDATORY LENDING COUNSELING DATE: I. CLIENT INFORMATION INTAKE FORM FORECLOSURE / PREDATORY LENDING COUNSELING Borrower Name: How did you hear about us? Website Have you contacted another agency? Yes No Agency Name Social Security

More information

INTAKE FORM. Signature. Signature. Date. Property Address: City: State: CA Zip Code:

INTAKE FORM. Signature. Signature. Date. Property Address: City: State: CA Zip Code: 2560 W Shaw Lane #101 Fresno CA 93711 Ph 559-221-6919 Fax 559-256-1564 info@chcfresno.org INTAKE FORM HUD Approved Agency #84811 Date Property Address: City: State: CA Zip Code: County: Home Phone: Do

More information

Foreclosure Prevention/Loan Modification Packet

Foreclosure Prevention/Loan Modification Packet Foreclosure Prevention/Loan Modification Packet Visionary Home Builders of California, Inc. (VHB) is a non-profit agency and is approved by the U.S. Department of Housing and Urban Development (HUD) to

More information

Foreclosure Intervention & Default Counseling Default Counseling

Foreclosure Intervention & Default Counseling Default Counseling ForeclosureIntervention& DefaultCounselingDefault Counseling PLEASEFAX,EMAILORMAIL INFORMATIONTO: 866 471 4906FAX ADMIN@SOLITASHOUSE.COM or NNOBLES@SOLITASHOUSE.COM 813-425-4847 x 303 1475TampaParkPlaza

More information

HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC. Ensuring equal access to housing for all people.

HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC. Ensuring equal access to housing for all people. HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INC. Ensuring equal access to housing for all people. Dear Homeowner: 626 East Broad Street, Suite 400 Richmond, Virginia 23219 804.354.0641 Fax: 804.354.0690

More information

You can write down your appointment date and time here:

You can write down your appointment date and time here: Dear Client, Thank you for contacting Consumer Credit Counseling Service TM of Kern & Tulare Counties (CCCS). We are a nonprofit community service that provides budget, credit and debt counseling and education

More information

NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM. Privacy Agreement

NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM. Privacy Agreement NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM Privacy Agreement GreenPath is an IRC 501(c)(3) non-profit financial and credit counseling agency. Through its membership in the National Foundation for

More information

There is NO fee for mortgage assistance counseling.

There is NO fee for mortgage assistance counseling. Supporting Document Checklist Mortgage Assistance Counseling NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing

More information

Steps to a Home Retention Solution. Required Document Checklist Please verify that you have submitted the following items by checking the box:

Steps to a Home Retention Solution. Required Document Checklist Please verify that you have submitted the following items by checking the box: Steps to a Home Retention Solution Follow these easy steps! 1. Call BCL of Texas and discuss your homeownership situation 2. Have Counselor explain the guidelines, check list, eligibility, and requirements

More information

INTAKE PACKET CHECKLIST

INTAKE PACKET CHECKLIST Dear Homeowner, www. rupco.org Thank you for your interest in our foreclosure prevention program. We understand that this is a difficult time for your household and we are here to help. In order to be

More information

Neighborhood Housing Services of New York City, Inc. 307 West 36th Street, 12th Floor NY, NY 10018 Tel: 212-519-2500 Fax: 212-727-8171

Neighborhood Housing Services of New York City, Inc. 307 West 36th Street, 12th Floor NY, NY 10018 Tel: 212-519-2500 Fax: 212-727-8171 Neighborhood Housing Services of New York City, Inc. 307 West 36th Street, 12th Floor NY, NY 10018 Tel: 212-519-2500 Fax: 212-727-8171 NHS of Bedford Stuvesant 1012 Gates Avenue Brooklyn NY 11221 Tel:

More information

Solita s House, Inc. and it s employees are NOT attorneys. The information provided in this document is to be used as a resource and is based solely

Solita s House, Inc. and it s employees are NOT attorneys. The information provided in this document is to be used as a resource and is based solely Solita s House, Inc. and it s employees are NOT attorneys. The information provided in this document is to be used as a resource and is I give Solita s House, Inc. permission to use my name and photograph,

More information

Please include a credit report fee of $17.95 for an individual applicant and $35.90 for joint applicants. (tax sale applicants are exempt ) Sincerely,

Please include a credit report fee of $17.95 for an individual applicant and $35.90 for joint applicants. (tax sale applicants are exempt ) Sincerely, Neighborhood Housing Services of Baltimore, Inc. 25 East 20 th Street, Suite 170, Baltimore, Maryland 21218 410) 327-1200 Fax (410) 505-1227 www.nhsbaltimore.org Dear Loan Applicant, Thank you for your

More information

FLORIDA POST PURCHASE COUNSELING PROGRAM

FLORIDA POST PURCHASE COUNSELING PROGRAM Phone: (727) 442-7075 Fax: (727) 446-8727 FLORIDA POST PURCHASE COUNSELING PROGRAM Please find enclosed our Foreclosure Prevention and Intervention Program Application. It is important that you complete

More information

Foreclosure Intervention Client Counseling Session Packet

Foreclosure Intervention Client Counseling Session Packet Foreclosure Intervention Client Counseling Session Packet IMPORTANT CLIENT NOTICE All Clients must complete all pages in this packet and provide all requested documents before an appointment can be scheduled.

More information

REVERSE MORTGAGE. because HOME is where it all starts.

REVERSE MORTGAGE. because HOME is where it all starts. REVERSE MORTGAGE COUNSELING MATERIALS because HOME is where it all starts. Follow us on: Neighborhood Housing Services of Waterbury 161 North Main St. Waterbury CT 06702 P: 203.753.1896 F: 203.757.6496

More information

Debt Settlement/ Negotiations Checklist

Debt Settlement/ Negotiations Checklist Debt Settlement/ Negotiations Checklist Executed Engagement Letter Non-refundable Retainer Fee (as outlined in your Engagement Letter) Executed Power of Attorney for each account Completed Financial Worksheet

More information

Of West Georgia / East Alabama, A program of The Family Center of Columbus, Inc.

Of West Georgia / East Alabama, A program of The Family Center of Columbus, Inc. Of West Georgia / East Alabama, A program of The Family Center of Columbus, Inc. Welcome! We understand that you are here because you are currently in bankruptcy proceedings and are required to complete

More information

CREDIT & BUDGET COUNSELING CHECKLIST. Completed Housing Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement

CREDIT & BUDGET COUNSELING CHECKLIST. Completed Housing Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement CREDIT & BUDGET COUNSELING CHECKLIST PLEASE BRING EACH OF THE FOLLOWING TO YOUR APPOINTMENT: Completed Housing Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement Copy of Pay

More information

1100 Mentor Avenue Painesville, Ohio 44077 P: 440.392.0147 F: 440.392.0148 T: 866.411.3472 www.fairhousingresourcecenter.org DOCUMENT CHECKLIST:

1100 Mentor Avenue Painesville, Ohio 44077 P: 440.392.0147 F: 440.392.0148 T: 866.411.3472 www.fairhousingresourcecenter.org DOCUMENT CHECKLIST: 1100 Mentor Avenue Painesville, Ohio 44077 P: 440.392.0147 F: 440.392.0148 T: 866.411.3472 www.fairhousingresourcecenter.org DOCUMENT CHECKLIST: Copy of most Recent Mortgage Statement and, if you are delinquent,

More information

Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT

Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT Thank you for contacting Comprehensive Credit Counseling of Rural Services of Indiana, Inc. for you Pre- Bankruptcy Filing Certification.

More information

Ocwen Loan Servicing, LLC HELPING HOMEOWNERS IS WHAT WE DO! WWW.OCWEN.COM

Ocwen Loan Servicing, LLC HELPING HOMEOWNERS IS WHAT WE DO! WWW.OCWEN.COM 12/20/11 Paula Bachaman (203) 548-9046 paula@propertychoicesllc.com Property Address: 1024 Lindley Street, Bridgeport, CT 06606 Borrower Name: Jacqueline Muniz Antonio Muniz RE: Short Sale Request Package

More information

HOME OWNER INFORMATION WORKSHEET

HOME OWNER INFORMATION WORKSHEET HOME OWNER INFORMATION WORKSHEET Homeowner (A) Homeowner (B) Homeowner (A) Street Address City State Zip Code Homeowner (B) Street Address City State Zip Code Property Address (if different) City State

More information

DURHAM REGIONAL FINANCIAL CENTER. Mortgage Default/Delinquency Program APPLICATION FOR SERVICE

DURHAM REGIONAL FINANCIAL CENTER. Mortgage Default/Delinquency Program APPLICATION FOR SERVICE DURHAM REGIONAL FINANCIAL CENTER Mortgage Default/Delinquency Program APPLICATION FOR SERVICE Appointments 919.688.3381 Fax - 919.287.2457 Email - info@drfcenter.org 1 Prescreening Questionnaire The N.C.

More information

Borrower Name: SSN: DOB: Co-Borrower Name: SSN: DOB: Property Address:

Borrower Name: SSN: DOB: Co-Borrower Name: SSN: DOB: Property Address: Homeowner Intake Form Please print clearly and fill out all fields. I am interested in : Mortgage Default Prevention or Counseling Refinancing Reverse Mortgage Who Referred You? Scheduled Sale Date (If

More information

Dear Client, Photo ID Driver s license or Maryland State issued photo ID PLEASE COMPLETE/SIGN AND RETURN THESE ENCLOSED FORMS

Dear Client, Photo ID Driver s license or Maryland State issued photo ID PLEASE COMPLETE/SIGN AND RETURN THESE ENCLOSED FORMS Dear Client, Thank you for choosing Neighborhood Housing Services of Baltimore, Inc. for your homeownership retention and financial needs. To schedule an individual counseling appointment with a Homeownership

More information

MEMO. Attached is a Default/Delinquency/Foreclosure Intake Packet, and a brochure on "How to Help Yourself Avoid Foreclosure".

MEMO. Attached is a Default/Delinquency/Foreclosure Intake Packet, and a brochure on How to Help Yourself Avoid Foreclosure. MEMO Attached is a Default/Delinquency/Foreclosure Intake Packet, and a brochure on "How to Help Yourself Avoid Foreclosure". Please fill out all of the forms in the attached intake packet completely,

More information

FIRST-TIME HOMEBUYER EDUCATION PROGRAM

FIRST-TIME HOMEBUYER EDUCATION PROGRAM FIRST-TIME HOMEBUYER EDUCATION PROGRAM The Center for Affordable Homeownership is committed to empowering potential homebuyers with the ability to make educated and informed decisions regarding the process

More information

Mortgage Intervention Checklist

Mortgage Intervention Checklist 105 14 th Avenue, Seattle, Washington 206.461.3792 Fax 206.461. 8425 Mortgage Intervention Checklist The following information is needed in order for the Urban League to effectively review your situation

More information

Currently Renting How long at this address? Own My Home How many in the household?

Currently Renting How long at this address? Own My Home How many in the household? A. Client Information INTAKE FORM Last Name First Name Middle Initial Street Address City, State & Zip Best Phone Number(s) to Reach You Email Address Currently Renting How long at this address? Own My

More information

Pre-Purchase Counseling Application

Pre-Purchase Counseling Application Pre-Purchase Counseling Application Guidance on purchasing a home and qualifying for downpayment assistance Pre-purchase counseling helps prepare the first-time homebuyer for the home purchase process

More information

Central Mortgage Company

Central Mortgage Company Central Mortgage Company Dear Borrower Are you struggling with your mortgage payment? We are concerned about your missed or potentially missed mortgage payment and want you to be aware of assistance available

More information

FORECLOSURE COUNSELING APPOINTMENT CHECKLIST. Completed Foreclosure Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement

FORECLOSURE COUNSELING APPOINTMENT CHECKLIST. Completed Foreclosure Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement FORECLOSURE COUNSELING APPOINTMENT CHECKLIST PLEASE BRING EACH OF THE FOLLOWING TO YOUR APPOINTMENT: Completed Foreclosure Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement

More information

FORECLOSURE PREVENTION COUNSELING INTAKE FORM CLIENT #1

FORECLOSURE PREVENTION COUNSELING INTAKE FORM CLIENT #1 ML-4909 FORECLOSURE PREVENTION COUNSELING INTAKE FORM CLIENT #1 Name: Address: Mailing address (if different): First Middle Last Street City State Zip Code Street City State Zip Code Home/Cell Phone: (

More information

Home Buyer Self Pre-Qualification Workbook

Home Buyer Self Pre-Qualification Workbook Home Buyer Self Pre-Qualification Workbook Bethel Community Development Corporation Bethel Community Development Corporation 1525 Michigan Avenue Buffalo, NY 14209 (716) 886-1650, ext 225 Fax: (716) 886-2311

More information

Bankruptcy Pre-Filing Appointment

Bankruptcy Pre-Filing Appointment Bankruptcy Pre-Filing Appointment Welcome to Clarifi. Together, we will work to achieve your financial goals. This Welcome Packet includes important information regarding your upcoming appointment. Please

More information

FAX COVER SHEET. Phone No.: Fax: 1.504.586.3478. Subject: WB Modification Request Existing Whitney Loan No.: Number of Pages:

FAX COVER SHEET. Phone No.: Fax: 1.504.586.3478. Subject: WB Modification Request Existing Whitney Loan No.: Number of Pages: FAX COVER SHEET Sender s Information Receiver s Information Name: To: Whitney Bank Phone No.: Fax: 1.504.586.3478 Subject: WB Modification Request Existing Whitney Loan No.: Number of Pages: Please indicate

More information

PART I YOUR INFORMATION/CO-APPLICANT INFORMATION. Name (Last, First, MI): City: State: Zip: Years at above Address: Do you: Rent

PART I YOUR INFORMATION/CO-APPLICANT INFORMATION. Name (Last, First, MI): City: State: Zip: Years at above Address: Do you: Rent APPLICANT Massachusetts Assistive Technology Loan Program Easter Seals MA, 484 Main Street, Worcester, MA 01608 Phone: (800) 244 2756 x 428 or 431 Fax: (508) 751 6444 Program Loan Application App #: PART

More information

Borrower Response Package Directions Mortgage Assistance Request Form Follows

Borrower Response Package Directions Mortgage Assistance Request Form Follows Borrower Response Package Directions Mortgage Assistance Request Form Follows If you are experiencing a temporary or long-term hardship and need help, you must complete and submit this form along with

More information

Credit Report Appointment

Credit Report Appointment Credit Report Appointment Welcome to Clarifi. Together, we will work to achieve your financial goals. This Welcome Packet includes important information regarding your upcoming appointment. Please print

More information

Fax completed package to: 703-580-8842

Fax completed package to: 703-580-8842 Fax Cover Sheet/Check List Borrower Name: Please Print Co-Borrowers Name: Please Print Loan Number(s): Owner Occupied n-owner Occupied Required Documentation for Borrower and Co-Borrower If you are a Wage

More information

MORTGAGE PRE-APPROVAL

MORTGAGE PRE-APPROVAL MORTGAGE PRE-APPROVAL THE FIRST STEP TO OWNING YOUR OWN HOME Welcome Before you start looking for a home, arm yourself with the knowledge of what you can afford to spend and borrow by obtaining a mortgage

More information

LOSS MITIGATION APPLICATION

LOSS MITIGATION APPLICATION Loan Number: {1} LOSS MITIGATION APPLICATION COMPLETE ALL PAGES OF THIS FORM See Instructions corresponding with numbers in brackets {} on form BORROWER {3} CO BORROWER {4} Borrower s Name Co Borrower

More information

Neighborhood Housing Services of Green Bay, Inc. d/b/a NeighborWorks Green Bay Program Intake Form

Neighborhood Housing Services of Green Bay, Inc. d/b/a NeighborWorks Green Bay Program Intake Form Neighborhood Housing Services of Green Bay, Inc. d/b/a NeighborWorks Green Bay Program Intake Form Return Completed Form to: NeighborWorks Green Bay Today s : 437 S. Jackson St. www.nwgreenbay.org Green

More information

Intake and Information

Intake and Information Intake and Information File #: : (CCCS Use Only) A division of Your name Street address City State & Zip Phone E-mail Social Security # Age Your employer Phone # Job title Rate of pay Monthly gross income

More information

Privacy Policy. We may disclose the following kinds of personal non-public information about you:

Privacy Policy. We may disclose the following kinds of personal non-public information about you: Registration Congratulations on taking your first steps toward buying a home! The first thing to know is that you are registering for the HomeOwner Basics program not a specific class. NeighborWorks Anchorage

More information

q Renting q Buying q Other q Single q Married q Divorced q Separated q Widowed q First-Time Home Purchase q Establishing Credit q Credit Problems

q Renting q Buying q Other q Single q Married q Divorced q Separated q Widowed q First-Time Home Purchase q Establishing Credit q Credit Problems Consumer Credit Counseling Service of San Francisco 595 Market Street 15th Floor San Francisco, CA 94105 800.777.7526 415.788.0288 415.777.4030 fax www.cccssf.org Client Information COMPLETE NAME (first

More information

Neighborhood Housing Services

Neighborhood Housing Services Neighborhood Housing Services Lizz Casey Reverse Mortgage Counselor 520 W. Grand Ave. Beloit, WI 53511 of Beloit, Inc. 608-362-9051 Fax: 608-362-7226 www.nhsofbeloit.org Thank you for inquiring about Reverse

More information

COMMUNITY ACTION PROGRAM OF EVANSVILLE Serving Gibson, Posey, Vanderburgh & Warrick Counties 27 Pasco Avenue Evansville, IN 47713 (812) 425-4241

COMMUNITY ACTION PROGRAM OF EVANSVILLE Serving Gibson, Posey, Vanderburgh & Warrick Counties 27 Pasco Avenue Evansville, IN 47713 (812) 425-4241 COMMUNITY ACTION PROGRAM OF EVANSVILLE Serving Gibson, Posey, Vanderburgh & Warrick Counties 27 Pasco Avenue Evansville, IN 47713 (812) 425-4241 FORECLOSURE PREVENTION COUNSELING APPLICATION Thank you

More information

HEA, Inc. 9215 N. Florida Ave., # 101, Tampa, FL 33612

HEA, Inc. 9215 N. Florida Ave., # 101, Tampa, FL 33612 INSTRUCTIONS FOR COMPLETING FORECLOSURE COUNSELING PACKAGE Below is a list of the documents contained in this package. Please read and follow instructions as indicated. Write legibly and clearly. WELCOME

More information

Reverse Mortgage Appointment

Reverse Mortgage Appointment Reverse Mortgage Appointment Welcome to Clarifi. Together, we will work to achieve your financial goals. This Welcome Packet includes important information regarding your upcoming appointment. Please print

More information

Foreclosure Prevention Intake Form

Foreclosure Prevention Intake Form Community Homeownership Center, Inc 1284 W. 20 th Street Jacksonville, FL 32209 Tel (904) 355-2837 Fax (904) 355-2842 email: chceducates@aol.com Dear Homeowner, We are glad you took the first step and

More information

Borrower Assistance Package

Borrower Assistance Package Borrower Assistance Package In order for us to properly evaluate your request for assistance with your mortgage loan or home equity loan, you must complete the enclosed forms and return it promptly to

More information

400 RUSSEL COURT, P.O. BOX 885 WOODSTOCK, IL 60098 (815) 338-5757 FAX:

400 RUSSEL COURT, P.O. BOX 885 WOODSTOCK, IL 60098 (815) 338-5757 FAX: Today s Date: APPLICANT Consumer Credit Counseling of McHenry County 400 RUSSEL COURT, P.O. BOX 885 WOODSTOCK, IL 60098 (815) 338-5757 FAX: (815) 338-9646 www.illinoiscccs.org Name: Address: City/State/Zip:

More information

PRE-PURCHASE HOMEOWNERSHIP PLANNING PROCESS

PRE-PURCHASE HOMEOWNERSHIP PLANNING PROCESS Helping Overcome Poverty s Existence, Inc. P.O. Box 743 Wytheville, Va. 24382; (276) 228-6280, Fax (276) 228-0508 Toll Free Phone: 1-877-818-8680 PRE-PURCHASE HOMEOWNERSHIP PLANNING PROCESS STEP 1 - Complete

More information

M. Caroline Cantrell & Associates, PC Attorney at Law

M. Caroline Cantrell & Associates, PC Attorney at Law M. Caroline Cantrell & Associates, PC Attorney at Law 8800 SE Sunnyside Road, Suite 207N, Clackamas, OR 97015 (503) 236-9211 549 NW 2nd Avenue, Canby Oregon 97013 (503) 266-0382 Date: PENDING FORECLOSURE,

More information

HOMEBUYER EDUCATION CLASS REGISTRATION Service Type: Client/Case #: / Counselor Name:

HOMEBUYER EDUCATION CLASS REGISTRATION Service Type: Client/Case #: / Counselor Name: HOMEBUYER EDUCATION CLASS REGISTRATION Service Type: Client/Case #: / Counselor Name: Client Information Primary s Name: SSN: xxxx-xx-xxxx Date of Birth: Current Address: Home phone: Cell: Work: Email:

More information

Is making your mortgage payment becoming difficult?

Is making your mortgage payment becoming difficult? Is making your mortgage payment becoming difficult? Here s how our process works: There may be help available if you are having difficulty making your mortgage loan payments. If you qualify, we will work

More information

To see if you qualify for this program, send the items listed below to Northwest Savings Bank.

To see if you qualify for this program, send the items listed below to Northwest Savings Bank. COMPLETE YOUR CHECKLIST We need this information to help you modify your mortgage payment. To see if you qualify for this program, send the items listed below to Northwest Savings Bank. 1. The enclosed

More information

COMPLETE AND MAIL BACK TO: SEAGO ATTN: Julie Packer 1403 W. Highway 92 Bisbee, AZ 85603

COMPLETE AND MAIL BACK TO: SEAGO ATTN: Julie Packer 1403 W. Highway 92 Bisbee, AZ 85603 COMPLETE AND MAIL BACK TO: SEAGO ATTN: Julie Packer 1403 W. Highway 92 Bisbee, AZ 85603 Name: APPLICATION/INTAKE FORM (updated 3/11) Name: Please fill out the Application/Intake form completely # in Household:

More information

City of Phoenix 457 Deferred Compensation Program Unforeseeable Emergency Withdrawal Application

City of Phoenix 457 Deferred Compensation Program Unforeseeable Emergency Withdrawal Application City of Phoenix 457 Deferred Compensation Program Unforeseeable Emergency Withdrawal Application Administered by Nationwide Retirement Solutions 4747 N. 7th Street, Suite 418 Phoenix, AZ 85014 Local Office:

More information

Credit Explanation/ Hardship Letter, including documentation supporting why the delinquency occurred Copy of Deed to Property

Credit Explanation/ Hardship Letter, including documentation supporting why the delinquency occurred Copy of Deed to Property Dear Homeowner, Thank you for selecting our agency, Housing Opportunities of Northern Delaware, Inc., to complete your Mortgage Foreclosure Prevention/Mortgage Default Counseling. It is imperative that

More information

Handling Default and Foreclosure

Handling Default and Foreclosure Handling Default and Foreclosure Delinquency Vs. Default Delinquency = less than 3 payments behind. A collections account. Only late fees accrue Default= more than 3 payments behind. Mortgage automatically

More information

LOAN APPLICATION PACKAGE Please take a moment to review these instructions for completing this application.

LOAN APPLICATION PACKAGE Please take a moment to review these instructions for completing this application. LOAN APPLICATION PACKAGE Please take a moment to review these instructions for completing this application. To ensure that your loan will be processed in a timely manner, be sure to submit all the required

More information

Foreign Born. Female Head of Household Female. Male. Native Hawiian/Pacific Islander Native American/Alaskan Native

Foreign Born. Female Head of Household Female. Male. Native Hawiian/Pacific Islander Native American/Alaskan Native MORTGAGE DELINQUENCY INTAKE FORM Please fill out this application as completely as possible. If you have questions or need assistance, please call Windham & Windsor Housing Trust's Brattleboro office at

More information

First Time Homebuyers

First Time Homebuyers First Time Homebuyers Congratulations on your first step toward homeownership! Our program is designed to guide you from start; education, to the finish; closing on your new home. Please take note of some

More information

NEIGHBORHOOD STABILIZATION PROGRAM (NSP) APPLICATION FOR NSP LOAN. Program Guidelines

NEIGHBORHOOD STABILIZATION PROGRAM (NSP) APPLICATION FOR NSP LOAN. Program Guidelines APPLICATION FOR NSP LOAN Income limits per household Program Guidelines Maximum Income 1 48,150 2 55,000 3 61,900 4 68,750 5 74,250 6 79,750 7 85,250 8 90,750 Homebuyer Requirements Home Education Minimum

More information

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Thank you for your call today inquiring about Specialized Loan

More information

Foreclosure Process Timeline

Foreclosure Process Timeline Foreclosure A legal process spanning 150-415+ days, by which a creditor (bank, mortgage company, etc..) takes ownership of a property to satisfy a debt (mortgage, second mortgage or home equity loan).

More information

Call us today to learn more about your options. 866-743-4931

Call us today to learn more about your options. 866-743-4931 Hello from Umpqua, Thank you for requesting information about assistance with your mortgage loan. We Are Here to Help You It is critical that you work with us on a resolution for any issues that affect

More information

What to bring to your first appointment:

What to bring to your first appointment: Tampa Bay Community Development Corporation Housing Counseling Services 2139 N.E. Coachman Road, Suite 1, Clearwater, FL 33765 Phone: (727) 442-7075 (866) 608-3220 (813) 849-1121 Fax: (727) 446-8727 www.tampabaycdc.org

More information

CURRENT MONTHLY INCOME

CURRENT MONTHLY INCOME Client Questionnaire Section 1 - Basic Information Part A. Name and Address Name: Have you used any other names in the past eight years? No Yes If yes, please list other names used: Telephone Numbers\Email

More information

Bank of America Home Affordable Foreclosure Alternative (HAFA) Matrix

Bank of America Home Affordable Foreclosure Alternative (HAFA) Matrix Bank of America Home Affordable Foreclosure Alternative (HAFA) Matrix If you do not qualify for the Home Affordable Modification Program (HAMP) or other modification programs that we offer, you will be

More information

Making Home Affordable Program Request For Mortgage Assistance (RMA)

Making Home Affordable Program Request For Mortgage Assistance (RMA) Making Home Affordable Program Request For Mortgage Assistance (RMA) REQUEST FOR MORTGAGE ASSISTANCE (RMA) page 1 Loan I.D. Number Servicer Borrower s name BORROWER Co-borrower s name CO-BORROWER Social

More information

Center For Consumer Credit Counseling 715 Douglas St Sioux City, IA 51101-1021 712-252-1861 877-580-5526 Fax: 712-255-1352

Center For Consumer Credit Counseling 715 Douglas St Sioux City, IA 51101-1021 712-252-1861 877-580-5526 Fax: 712-255-1352 Privacy Notice/Release of Information Our agency is committed to assuring the privacy of families and individuals who have contacted us for assistance. We assure you that all information shared, both orally

More information

BORROWER Q&AS. 2. I'm current on my mortgage. Will the Home Affordable Refinance help me?

BORROWER Q&AS. 2. I'm current on my mortgage. Will the Home Affordable Refinance help me? MAKING HOME AFFORDABLE BORROWER Q&AS 1. What is Making Home Affordable" all about? Making Home Affordable is part of President Obama's comprehensive strategy to get the housing market back on track. Through

More information

NFMC Client Level Data and Quarterly Reporting Requirements

NFMC Client Level Data and Quarterly Reporting Requirements NFMC Client Level Data and Quarterly Reporting Requirements The following data points will be collected for each draw request. If, upon implementation of the National Foreclosure Mitigation Counseling

More information

Healthy Homes Department Housing Rehabilitation Program County of Alameda Community Development Agency (CDA)

Healthy Homes Department Housing Rehabilitation Program County of Alameda Community Development Agency (CDA) For CDA use only: application first received: Project ID#: Dear Homeowner: With funding and Programs available, NOW is a great time to have those needed home repairs done! Thank you for your interest in

More information

First Time Homebuyer Program Application Package

First Time Homebuyer Program Application Package First Time Homebuyer Program Application Package Program Services The Homeownership Program's objective is to assist in all aspects of homeownership. Services provided by our home ownership counseling

More information

As soon as you know you can t make your payment, take the following steps:

As soon as you know you can t make your payment, take the following steps: As soon as you know you can t make your payment, take the following steps: Call your lender. Ask for the loss mitigation department. Be honest about your situation so you can get the best, most realistic

More information

If you need assistance completing this application, please email us at bdeangelis@coosedc.org

If you need assistance completing this application, please email us at bdeangelis@coosedc.org LOAN APPLICATION Coös Economic Development Corporation (CEDC) CEDC If you need assistance completing this application, please email us at bdeangelis@coosedc.org Part A: BUSINESS INFORMATION REGISTERED

More information

Chicago Title Insurance Company

Chicago Title Insurance Company Short Sale Processing Document Check List Letter of Authorization & Release Client Information Form Hardship Letter (must be signed and dated) Financial Statement (Profit & Loss Statement or Budget must

More information

CONSUMER TIPS FOR WORKING DIRECTLY WITH YOUR LENDER ON A LOAN MODIFICATION

CONSUMER TIPS FOR WORKING DIRECTLY WITH YOUR LENDER ON A LOAN MODIFICATION FAQ s: CONSUMER TIPS FOR WORKING DIRECTLY WITH YOUR LENDER ON A LOAN MODIFICATION Important advice to anyone planning to contact their lender directly for a loan modification: The key here is to be tenacious.

More information

Loss Mitigation Pre-Foreclosure Sale Request Instructions & Disclosures

Loss Mitigation Pre-Foreclosure Sale Request Instructions & Disclosures Loss Mitigation Pre-Foreclosure Sale Request Instructions & Disclosures Member Name: Loan Number: If you have received a valid, reasonable, offer to purchase your home prior to a foreclosure and you would

More information

We will help you get bids from contractors after we have processed your application.

We will help you get bids from contractors after we have processed your application. Dear Homeowner: Thank you for your interest in the Home Exterior Loan Program (HELP). We look forward to assisting you with your home repairs. The HELP guidelines and application are included with this

More information

Banning Law Firm. 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508

Banning Law Firm. 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508 Banning Law Firm 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508 Questionnaire Taxes Credit Report Paper Work Needed To File Counseling Certificate Pay Check Stubs Payment

More information

Required Information to Process your Short Sale

Required Information to Process your Short Sale Required Information to Process your Short Sale Included in the Short Sale Package: Client information sheet Explanation of Forms Third Party Authorization Foreclosure Disclaimer Hardship Letter Explaining

More information

Dealing with a Drop in Income

Dealing with a Drop in Income Dealing with a Drop in Income February 2009 Peggy Olive, Family Living Agent Richland County UW-Extension 1100 Highway 14 West Richland Center, WI 53581 (608) 647-6148 peggy.olive@ces.uwex.edu When your

More information

CLIENT INFORMATION OFFICE USE ONLY. TODAY'S DATE: Name: Any other names you may be known by: INFORMATION ABOUT YOU: SS#

CLIENT INFORMATION OFFICE USE ONLY. TODAY'S DATE: Name: Any other names you may be known by: INFORMATION ABOUT YOU: SS# CLIENT INFORMATION INFORMATION ABOUT YOU: TODAY'S DATE: Name: Any other names you may be known by: SS# Date of Birth Physical Address Mailing (if different) City State Phone #s Hm Cell Wk E-mail address

More information

If this is a HAFA short sale: Please note that contributions are not be allowed in a HAFA short sale from the buyer; seller or agents.

If this is a HAFA short sale: Please note that contributions are not be allowed in a HAFA short sale from the buyer; seller or agents. All short sales are processed on Equator.com. Agents must be registered for short sales to be assigned to them. Required Document Checklist must be complete (all documents uploaded into Equator and labeled

More information

Purchase Pre-qualify Primary Residence Secondary Residence or Investment. Current Address: # of Dependents Age(s)

Purchase Pre-qualify Primary Residence Secondary Residence or Investment. Current Address: # of Dependents Age(s) Pre-Approval Application A Program of Greater Metropolitan Housing Corporation (GMHC) In partnership with Dayton s Bluff Neighborhood Housing Services (DBNHS) *** PLEASE PRINT OR TYPE ALL INFORMATION CLEARLY***

More information