Defaare morso (HECM) mbayliigu, ƴeewndorɗe jokkondire, e hakkeeji jom suudu mo ñamlaaki¶

Jaɓde "Due and Payable" Notice Acceleration walla kulhuli ƴettugol jawdi e dow Morgage (HECM) mo laamu nguu jogii e asiraagal fedde nde, walla morso mo alaa ko yoɓetee e mum ko huunde hulɓiniinde wonande joom galle mawɗo, N-Borrowing sukaaɓe, Spouse mo wuuri estaad. Sabu ñamaale mbaylaandi ina njeeyanoo ko ñamaale "alaa yoɓde lewru kala", ñamlooɓe e ɓesnguuji ina keewi wumde ngam anndude wonde sarwisaaji mbaylaandi (hono PHH Mortgage / Celink, Longbridge Financial, Finance of America Reverse, walla HUD/Novad) ina mbaawi noddude balɗe ɗe mbaylaaka ngam yoɓde ko ɓuri yaawde nay ko addanta yoɓde: (1) fawde caggal e taƴre jawdi, asiraagal joom en galleeji, walla njoɓdi HOA ("Tax e Assurance / T&I Default"), (2) waasde yoɓde hitaande kala Bataake seedantaagal jogagol walla jogaade lebbi keewɗi e nder nokku ɗo physical/3) ŋakkiraa galle oo, walla (4) maayde jom suudu ñamaande.

Hay so tawii ɓataakeeji njuɓɓudi (service) ina ɗaɓɓi yoɓde ñamaale timmuɗe e nder balɗe 30, kuule Departemaa Fedde Ngenndiije Dentuɗe ngam Koɗki e Ƴellitaare Wuro (HUD) (24 C.F.R. Part 206 e Deftere Politik Koɗki 4000.1) ina ndeena mawɓe e wuurɓe no feewi. E fawaade e ko addani, aɗa waawi dartinde ƴettugol huutoraade Lebbi 60 HUD At-Risk Extension (ngam ñamlooɓe duuɓi 80+ tawa ina njogii haajuuji cellal teeŋtuɗi), Peeje yoɓde HECM lebbi 60, **Duuɓi deferral ngam co Ɓataake HUD Mortgagee 2021-11), walla Kuulal 95% ronooɓe yoɓde ko aldaa e njoɓdi tawa ina waɗi haa lebbi 12 ɓeydagol HUD otomatik.

Waɗde ɗum jooni¶

1. Anndude jolngo tigi-rigi winndaango e "Notice Due et Payable" ɗoon e ɗoon: Ƴeew to dow ɓataake sarwiis oo ngam ƴeewde hol e nder kaayitaaji tati ɗii ƴeewndaa: (A) Taƴre e/walla Assirannde Hazard (Advance Corporate), (B) Certify Fa (C) Maayde ñamloowo cakkitiiɗo wuurde. Kala jolngo ina jogii HUD loss-mitigation cure waktu e kaayitaaji ceertuɗi no feewi.
2. Safrude "Occupancy Default" e nder waktuuji 24 so tawii ñamloowo oo ina hoɗi haa jooni e nder galle hee (walla ina woni e nokku ɗo reentortee (rehab/care) fotde lebbi 12 jokkondirɗi): Ujunaaje ujunnaaje morso rewrude e majjere ina wiyee e majjere Due and Payable hitaande kala sabu tan ñamloowo mawɗo oo ina jogii C**ccupan annual mail walla waɗi lebbi 3 e nder safrirde walla e nder nokku ɗo safrooɓe waawɓe. Les 24 C.F.R. § 206.39 e § 206.27©, ŋakkeende wakkati ngam safrude walla moƴƴitinde haa lebbi 12 jokkondirɗe ƁURI ƴattaade sarɗiiji hoɗorde mawnde. Ɗoon e ɗoon, siynu e faks/imeel Formaasiyoŋ seedantaagal jogagol hitaande wondude e kaayitaaji ɗiɗi kuutorteeɗi jooni ɗii (elektrik, ndiyam, walla gaas) e ɓataake cafroowo kollitoowo wonde ñamloowo oo ina hoɗi e galle oo walla maa artu ko adii nde lebbi 12 ɗii njoofata.
3. Ɗaɓɓu "At-Risk Extension" (Duuɓi 80+ e caɗeele cellal) walla "Peeje yoɓde lebbi 60" ngam ŋakkeende njoɓdi e asiransi: So tawii sarwisaaji ɗii ina njoɓa kaalis ngam yoɓde njoɓdi jeyi leydi ndi njoɓaaka walla asiransi joom en galleeji ("Corporate Advance notlo them". E nder deftere HUD 4000.1, so tawii ñamloowo ɓurɗo famɗude oo ina yahra e duuɓi 80 walla ko ɓuri ɗum, tawa kadi ina jogii ngonka cellal kaawniika (ko doktoor seedtii) ka haɗata ɗum yahde, sarwiis oo ina waawi ɗaɓɓude Lebbi 12 HUD "At-Risk Extension" keso, ka haɗata foreclo timmuɗo . Wonande ñamlooɓe woɗɓe ɓee fof, ɗaɓɓu Ƴeewndo kaalis & Peeje yoɓde HECM lebbi 12 haa 60 (to njoɓataa tan ko ina tolnoo e 25% e "Njoɓdi ɓurtundi" maa lewru kala feewde e njoɓdi/assurance caggal), walla ɗaɓɓu so tawii dowla maa ina jogii haa jooni udditii Kaalis Ballal Joom Galle walla ProHAF)Se Porogaraam udditgol.
4. Tabitin "Duuɓi jolngo jom suudu maa mo alaa ñamaande (NBS)" ɗoon e ɗoon so tawii joom suudu maa ñamaande maayii: So tawii joom suudu maa tan ko neɗɗo limtaaɗo e "Njaamoowo" e dow ɓataake HECM (heewɓe heen ko sabu aɗa yahra e duuɓi 62 nde ñamaande ndee udditaa) e jom suudu maa yoɓii tan so tawii N**you aɗa yoɓa ina resndaa e sahaa nde ñamaande ndee udditaa ndee, ina heddii e dewgal haa nde ɓe maayi, ina holliraa e binndanɗe ñamaande ndee (ngam Limooje Case caggal 4 ut 2014, walla ina mbaawi heɓde e les HUD yaajnde Suɓngo cuɓagol Mortgagee / MOE ngam ko adii 4 ut 2014 hooreejo re. E nder HUD Mortgagee Letter 2021-11, HUD momtii sarɗi wonde jom suudu mo alaa ñamaande ina hollita tiitoonde sariya njulaagu walla jokkere enɗam e nder balɗe 90, aɗa foti tan jokkude hoɗde e galle hee e jogaade ko yowitii e njoɓdi asiraagal e njoɓdi jawdi garooji.
5. Neldu binndol "Notice of Heirs' Intention" e nder balɗe 30 caggal maayde ñamaande ngam udditde e nder Lewru 6 + Ɗiɗi 90 (Lewru 12 Total) E Kuulal 95%: So tawii jibnaaɓe ɗiɗo ɓee fof maayii, aɗa woni ronooɓe in**iteal you/e6xeh e maayde, ɓeyda heen balɗe ɗiɗi HUD 90 (fotde lebbi 12 fof), ngam yeeyde galle oo walla yoɓde ɗum kaalis. Ko ɓuri moƴƴude, so tawii morso rewrude e "les ndiyam" (yeru, njoɓdi ñamaande ndee ɓeydiima haa 350 000 dolaar, kono galle oo ina jogii tan ko 260 000 dolaar), kuulal fedde ndee (24 C.F.R. § 206.125(a)(2) e § 206.125(a)(2) e § 206 galle ɓesngu walla yeeyde ɗum e yoɓde LESSER e (a) njoɓdi ñamaale timmuɗe, walla (b) 95 e nder teemedere (95%) e njoɓdi luumo laaɓtundi ndi HUD ƴeewti jooni ndii ($247,000), tawa asiraagal FHA ina momta heddiiɓe e ñamaale $103,000 haa abada.
6. Jokkondir e wasiyaaji HECM jaɓaaɗi e HUD (1-800-569-4287) e reende kisal hoɗɓe mawɓe: Noddu laylaytol wasiyaaji koɗki laawɗungol HUD to 1-800-569-4287 e naamnaade teeŋti noon e Wasiyaaji HECM mo HUD seedtii (ko yoɓataa). So tawii golloowo reende jawdi mo servicer gollini, e dow laawol, etaade uddude galle mo yimɓe njooɗii, uddude kuutorɗe, walla ittude geɗe nder meeteruuji 5 (16 feet) e hoɗorde nde yimɓe njooɗii, noddu limoore emergency nokku maa (911 to Amerik e Kanadaa, 112 the UK our check limooje caɗtuɗe regginorde ɗoon e ɗoon.

Lekki kuulal: Jokkude ƴettugol morso rewrude e sifaa default¶

Anndu hol branche huutortoo e kiris morso maa rewrude e huutoraade defannde HUD potnde ɗoon e ɗoon.

flowchart TD
    A["Jaɓde HECM ‘Due and Payable’ walla Noddaango Ƴellitaare"] --> B{"Hol ko addani Defaare ndee?"}
    B -->|"1. Taƴre jawdi, Assirannde jom galleeji, walla HOA Default (T&I)"| C{"Hol no foti ko yoɓata & duuɓi ñamloowo?"}
    C -->|"Total Arrears Les 5,000 Dolar"| D["Servicer ina foti leeltinde jokkondire (De Minimis) nde aɗa safra"]
    C -->|"Ɓurɗo famɗude ñamaande Duuɓi 80+ e ngonka safaara tiiɗka"| E["Waɗde ɓataake Doktoor ngam HUD 'At-Risk Extension' (Dartinde ƴettugol e ɓeydagol duuɓi 1)"]
    C -->|"Denndaangal Ñaamooɓe Woɗɓe"| F["Ɗaɓɓu HECM Peeje yoɓde lebbi 12 haa 60 (25% e njoɓdi ɓurndi heewde) + Ɓooygol njoɓdi laamu"]
    B -->|"2. Ƴeewndo golle / ŋakkeende safaara"| G{"Mbele Borrower ina woɗɗi >12 lebbi jokkondirɗi?"}
    G -->|"Alaa (Haa jooni ina wuuri e galle WALLA e nder safrirde/Rehab <12 Lebbi)"| H["Waɗde seedantaagal jogagol siynaangal + 2 Faktirgal kuutoragol + Note Doktoor (Naatgol ɗoon e ɗoon)"]
    G -->|"Eey (Duuɓi e nder galle safrooɓe >12 Lebbi) & Alaa Co-Borrower"| I["Jaltugol e Jom suudu mo alaa ñamaande OR Family 95% Yeeyde/Refinance"]
    B -->|"3. Maayde jom suudu ñamloowo"| J{"Hol Heddotooɗo e Galle?"}
    J -->|"Jom suudu mo ñamlaaka (NBS)"| K["Noddude HUD Mudda Ƴeewndo (Caggal-8/4/2014) walla MOE (Ko adii-8/4/2014) e les ML 2021-11"]
    J -->|"Sukaaɓe mawɓe / Ronooɓe / Dowlaaji"| L["Fiilde Binnditagol Anniya e nder Balɗe 30 -> Coktirgal Lebbi 6 + Ɗiɗi Balɗe 90 + Kuulal Payoff 95%."]

Defaare 1: Safrude "Tax e Assurance (T&I)" Defaare tawa a majjaani galle¶

So tawii ñamloowo morso reverse waasa yoɓde njoɓdi jawdi diiwaan walla ɗaccude assurance joom en galleeji mum en ina ustoo (ƴeew men jeyɓe galleeji asiraagal non-hesɗitinde e doole-jogaade guide), kuule HUD ina ɗaɓɓi e sarwiis oo yo adan kaalis sosiyetee ngam yoɓde jom jawdi en walla soodde polis asiransi, caggal ɗuum bayyina morso rewrude e Tax and Insurance (T&I) Default.

Ko adii nde servicer ina waawi neldude ñamaande HECM e dow sariya to awokaaji ngam ustude njoɓdi T&I, Deftere HUD 4000.1 (Taƴre III.A.3) ina rokka on joy keertiiɗi ngam ustude ngalu:

Defaare 2: Wuurde e "Audit d'occupation" walla e nder safrirde / suudu safrirdu yaajndu¶

Les 24 C.F.R. § 206.27©, morso rewrude e mbaydi moƴƴiri tan ko nde jeyi oo woni hoɗorde mawnde ko famɗi fof ñamloowo gooto. Servicers ina ƴeewtoo occupancy hitaande kala (e ɗoon e ɗoon kala nde mail artiraa ko ina wona tawa yoɓaaka walla koɗo ina habra galle oo ina wayi no deeƴii).

Kuule tati kaɗooje ƴettugol "Non-Occupancy" ngol sariya haɗi¶

1. Kuulal ñamloowo (100% ndeenka hay so jom suudu gooto naatii e galle safrooɓe haa abada): So tawii gorko e debbo kamɓe ɗiɗo fof limtaama no ñamloowo e dow morso rewrude e morso, tawa gorko oo ina yahra haa abada e nder nokku toppitiiɗo ko fayti e cellal (memoire-care) walla nokku toppitiiɗo cellal mo alaa ko woni e mum so wonaa CANNOT restore his lofed, e Payable so tawii debbo oo (Co-Borrower) ina jokki e hoɗde e galle hee ko hoɗorde mum mawnde.
2. Kuulal 12-Lebbi Jokkondire ngam Ɓooygol Safaara (Ngam Ñaamoowo gooto): So tawii ko gooto tan woni e ñaamoowo oo (walla ñaamooɓe ɓee fof ina ngondi e nokku), ñaamoowo oo ina waawi e dow sariya wonde ŋakkere e galle e nder safrirde, nokku rehabilitaasiyoŋ, banndiraaɓe tos walla li2 lebbi jokkondirɗi (balɗe 365) ngam ñawu ɓanndu walla hakkille tawa ina addana ɗum ŋakkere.
3. Golle teeŋtuɗe ko adii lewru 12: So tawii ñamloowo gooto ina ɓadii ñalngu 330 e nder nokku rehabilitaasiyoŋ, hootde galle ngam hoɗde e jeyi hee (e nder galle) ko adii ñalngu 365 ina rewna waktuuji lebbi 12, tawa galle oo ina heddii e hoɗorde maɓɓe mawnde.
4. Woto meeɗ yejjiteede Ɓataake Seedantaagal Occupancy Annual: Hitaande kala e ñalngu uddital ñamaande maa, servicer ina nelda Formaasiyoŋ Seedantaagal Occupancy kelle 1. So tawii a siynaaki e a artiraani ɗum e nder balɗe 30, sarwisaaji ɗii neldata ɓataake jeertinaango, nelda ƴeewtotooɗo ladde ngam fiyde damal maa e ƴettude fotooje meeteer maa kuuraa gila e ŋoral (ina yoɓa ñamaande maa njoɓdi ƴeewndo jawdi $20), kadi o fuɗɗoo Non-Occupancy Re Due e PayUD. Waɗde sahaa kala, wartir Seedantaagal Occupancy siynaangal ngal e Certified Mail AND email/fax, tawa aɗa jogii heen koppi ngam fiiluuji maa.

Defaare 3: Reende "Jom suudu mo ñamlaaka (NBS)" Guurɗo Caggal nde ñamloowo oo maayi¶

E nder daartol, yeeyooɓe morso ina keewi waawnude dewgal ngam ƴettude jom suudu tokooso (haa teeŋti e jom suudu mo duuɓi mum njahrata e 62) e dow tiitoonde galle ngam jom suudu mawɗo oo waawa heɓde njoɓdi ɓurndi mawnude e yoɓde morso tan. So jom suudu mawɗo ñamloowo oo maayii, sarwisaaji ɗii ina njuɓɓina jom suudu mum walla jom suudu mum mettuɗo oo ("Non-Borrowing Spouse").

Caggal ñaawoore fedde nde (Bennett v. Donovan e Plunkett v. Castro) e peeje mawɗe ɗe HUD waɗi, Joom en galleeji ɗi ngalaa ñamaale wuurɓe ina njogii hannde hakkeeji fedde nde doole ngam jooɗaade e galle mum en haa nguurndam mum en timma tawa njoɓataa lewru kala njoɓdi mum en:

No "Duuɓi Deferral" HUD jom suudu mo alaa ñamaande gollortoo¶

So tawii morso jom suudu maa ummorii ko ñalnde 4 ut 2014 walla caggal mum** (Limoore ñaawoore FHA toɗɗaande ñalnde/caggal 08/04/2014, laawɗinaande e 24 C.F.R. § 206.55) walla ko adii ñalnde 4 ut 2014 Suɓngo cuɓaaɗo / MOE Assignment kuule gonɗe e les Bataake HUD Mortgagee 2019-15 e 2021-11), aɗa waawi jokkude jokkere enɗam haa heddii nguurndam maa no Jom suudu mo alaa ko waawi ñaamde so tawii aɗa jogii ɗeeɗoo sarɗiiji:

1. Dewgal e Udditgol e Maayde: Aɗa resndaa ñamaande e nder sariya e sahaa nde morso rewruɗo oo udditaa (walla aɗa waɗa jokkondire hakkunde gorko e debbo so sariya haɗi ɗum dewgal, caggal ɗuum aɗa resndaa e dow sariya ko adii maayde ñamaande) aɗa heddii e ñamaande dewgal haa ''dewgal'';
2. Hoɗorde mawnde: Aɗa hoɗi jooni, kadi aɗa hoɗi e sahaa nde ñamaande ndee maayi, e nder jeyi mo njiɗɗaa oo, hono hoɗorde maa mawnde;
3. Nattii ɗaɓɓude ngam hollirde tiitoonde sariya e nder balɗe 90 (Ɓataake HUD Mortgagee 2021-11 Breakthrough): Ko adii lewru mee 2021, servicers ndartinii ujunnaaje ujunnaaje rewɓe maayɓe sabu ñaawirdu probate ƴetti ko ɓuri balɗe 90 ngam waɗde galle maayɗo na'me. E nder Ɓataake HUD Mortgagee 2021-11, HUD ittii haa abada sarɗi wonde jom suudu mo alaa ñamaande ina hollita tiitoonde yeeyirde walla hakke sariya ngam heddaade e nder balɗe 90 caggal maayde ñamaande.
4. Waajibi maa jokkuɗi e nder dumunna cakkitiiɗo oo: So tawii a nattii waawde yaltinde kaalis keso e nder laylaytol renndo ngol, aɗa waɗa $0 lewru kala njoɓdi mawndi e riiwaaji e nder nguurndam maa fof, aɗa foti tan (a) yoɓde hitaande kala Non-Occupancy payb, Cert &ligiification O taƴre jawdi e njoɓdi asiransi jom en galleeji e sahaa, e © jogaade jawdi.

Defense 4: Hakkeeji sukaaɓe mawɓe & ronooɓe caggal nde ñamloowo cakkitiiɗo oo maayi (Kuulal 95% & waktu lebbi 12)¶

So ñamloowo cakkitiiɗo wuurde (e kala jom suudu mo alaa ko waawi) maayii, ñamloowo rewruɗo oo wonta Due and Payable. Kono, sarwisaaji ina keewi ƴattaade sukaaɓe mettuɓe e fenaande "Jeertinaango balɗe 30" tawa ina cuuɗii hakkeeji ɗiɗi ɓurɗi teeŋtude e fedde nde e nder 24 C.F.R. § 206,125:

1. No udditirtee limre lebbi 12 timmunde (Lebbi 6 puɗɗiiɗi + Ɗiɗi 90 balɗe HUD)¶

• Noddaango anniya gadano balɗe 30: E nder balɗe 30 caggal nde servicer heɓi "Notice Due and Payable" caggal maayde jibinannde, ronooɓe walla jom jawdi en ina poti neldude Notifikaasiyoŋ anniya binndital w (kuutoragol template inte) thends theA(ll sta.) jawdi, (B) Yoɓde / Refinannde morso rewrude ngam jogaade galle e nder galle, walla (C) Waɗde Deed-in-Lieu of Foreclosure.
• Winndere Lebbi 6 Otomatik (Balɗe 180 gila Maayde): Les 24 C.F.R. § 206.125(d), so a humpitiima servicer anniya maa yeeyde walla yoɓde ñamaande, aɗa jogii lebbi 6 gadani gila ñalngu maayde ñamaande ngam timminde yeeyde walla refinance ko adii nde foreclosure ina waawi timminde.
• Ɓeydagol HUD balɗe ɗiɗi 90 (Lebbi 7 haa 9, e Lebbi 10 haa 12): So tawii galle oo yeeyaaka walla probate/refinancing ina jokki haa jooni nde Lewru 6 ɓadtii, neldu ɗaɓɓaande binndol ngam **Ɓeydagol HUD balɗe 90 gadane ko adii ñalngu 90 haa **1-5 lajal timmi) jokkondirde e seedantaagal yeeyde (Nanondiral limto MLS siynaangal e jom jawdi WALLA Ɗaɓɓaande ñamaande / ɓataake jaɓgol ko adii siynaande ummoraade e ñamloowo morso e ɓataakeeji Probate Testamentary). So ina haani, aɗa waawi ɗaɓɓude Extension HUD ɗiɗaɓo balɗe 90, rokka ɓesngu maa lebbi 12 timmuɗi ngam yeeyde walla yoɓde.

2. Kuulal yoɓde "95% e nafoore teskinnde" nde alaa ɗo haaɗi (24 C.F.R. § 206.125(a)(2))¶

Kala morso HECM reverse mortgage mo FHA-assurance ko 100 e nder teemedere Non-Recourse Loan: hay jawdi goɗɗi ɗi ñamloowo maayɗo oo jogii (konte banke, assurance nguurndam, otooji) walla ronooɓe ɓee e hoore mum ina mbaawi ever jogaade njoɓdi ngam penny gooto ko ɓuri galle oo e hoore mum.

Ko ɓuri ɗum moƴƴude, e les 24 C.F.R. § 206.125(a)(2), so tawii ronooɓe ɓee njiɗii jogaade galle ɓesngu nguu (e refinancing ɗum e nder morso aadaaji e innde cukalel mawngel walla yoɓde kaalis) WALLA yeeyde ɗum e luumo so tawii ballal morso rewruɗo ina ɓura galle oo servicer jooni oo e RELE sariya fedde nde, the e:

• 100% e njoɓdi ñamaale HECM ɗe yoɓaaka, OR
• 95% e Nafoore Lugge Jaaɓihaaɗtirde jooni nde no fotiri e ƴeewndo FHA laawɗungo yamiri HUD.

Koppi-e-paste template: HECM Default Cure, Jom suudu mo ñamlaaka, & Noddaango ronooɓe¶

Ƴeewto kaɓirgol ngol yahdata e ngonka maa, neldu ndee ɓataake e Mail Certified, Receipt Return Request, Fax, e Imeel to sarwiis morso rewrude.

URGENT: FORMAL HECM LOSS MITIGATION / OCCUPANCY / NON-BORROWING SPOUSE / HEIRS' NOTICE
(PURSUANT TO 24 C.F.R. PART 206, HUD HANDBOOK 4000.1, AND RESPA 12 C.F.R. § 1024.35/.38)

Date: [Insert Date]

TO: [Name of Reverse Mortgage Servicer, HECM Default / Loss Mitigation / Estates Dept.]
    [Servicer Address, Fax Number, and Email]

RE: HECM Loan Number: [Insert Loan Number] | FHA Case Number: [Insert FHA Case No.]
    Borrower(s) Name: [Name of Borrower]
    Property Address: [Full Street Address]

Dear HECM Servicing & Compliance Officer:

PLEASE TAKE FORMAL NOTICE of the following statutory election and request to suspend any "Due and Payable" acceleration or foreclosure referral on the above-referenced HECM loan (check applicable section):

[ ] SECTION A, CURE OF OCCUPANCY DEFAULT (24 C.F.R. §§ 206.27(c), 206.39):
    The Borrower continues to maintain the subject property as their Principal Residence (or has been temporarily absent in a medical/rehabilitation facility for LESS than 12 consecutive months since [Date]). Enclosed are (1) the signed Annual Occupancy Certification, (2) two current utility bills showing active residential service, and (3) a physician's statement confirming temporary medical absence. Demand is made to immediately recall any Due and Payable status and credit back any improper inspection fees.

[ ] SECTION B, REQUEST FOR TAX & INSURANCE (T&I) REPAYMENT PLAN OR AGE 80+ AT-RISK EXTENSION:
    Regarding the Corporate Advance balance of $[Amount] for property taxes and/or hazard insurance:
    (1) [If Borrower is Age 80+ with Health Hardship]: The youngest borrower is age [Age] (DOB: [Date]) and suffers from a critical medical condition documented in the attached Physician Certification. We request that you immediately submit an "At-Risk Extension" request to HUD under HUD Handbook 4000.1.
    (2) [For All Other Borrowers]: I request an immediate Financial Assessment and a [36 / 48 / 60]-Month HECM T&I Repayment Plan calculated at no more than 25% of monthly Surplus Income, and request an immediate stay of foreclosure referral while my application (and State HAF / Senior Tax Deferral application) is processed.

[ ] SECTION C, SURVIVING NON-BORROWING SPOUSE (NBS) DEFERRAL PERIOD (24 C.F.R. § 206.55 & HUD ML 2021-11):
    Borrower [Name] passed away on [Date of Death] (Death Certificate attached). I am the surviving Eligible Non-Borrowing Spouse. We were legally married at loan closing on [Date] and remained married until the Borrower's death, and I occupy the property as my Principal Residence. Pursuant to 24 C.F.R. § 206.55 and HUD Mortgagee Letter 2021-11 (or MOE Assignment for pre-08/04/2014 Case Numbers), I hereby invoke my statutory Deferral Period. Please send me the NBS Annual Certification package immediately.

[ ] SECTION D, HEIRS' / ESTATE NOTICE OF INTENT, APPRAISAL DEMAND, & EXTENSION REQUEST (24 C.F.R. § 206.125):
    Borrower [Name] passed away on [Date of Death]. I am the [Surviving Child / Executor / Successor in Interest] (Death Certificate and proof of heirship/authority attached).
    1) Notice of Intent: The Estate/Heirs hereby give formal notice of intent to [sell the property / purchase and retain the property via refinance] pursuant to 24 C.F.R. § 206.125.
    2) Demand for Payoff Quote & Official HUD Appraisal (95% Rule): Please provide an itemized payoff statement AND order an official HUD Fair Market Value Appraisal so that the Estate/Heirs may satisfy the HECM for the lesser of the unpaid loan balance or 95% of current appraised value under 24 C.F.R. § 206.125(a)(2).
    3) Request for 6-Month Hold & 90-Day HUD Extension: Please confirm the initial 6-month marketing/settlement window through [Date 6 Months from Death] [and grant a 90-Day HUD Extension based on the attached MLS Listing Agreement / Lender Pre-Approval Letter].

Sincerely,

____________________________________
[Your Signature]
[Your Printed Name, Relationship to Borrower, Address, Phone, and Email]

Morso hakkunde leyɗeele (Equity Release) ŋakkere & ndeenka jom suudu wuurɗo¶

So tawii ko aan walla jibinannde mawnde jogiinde morso rewrude e caggal leydi Amerik, koɗkiiji sariyaaji e koɗkiiji gollorɗe ina kaɗa ñamlooɓe ñamlaade kaalis e potal bonngal :

• Kanada (CHIP Reverse Mortgage / Banke HomeEquity & Banke Equitable, Alaa Garantii Equity Negatif & Hakkeeji Jom suudu Wuurɗo):
• Tax, Assurance, e Maintenance Defaults: To Kanadaa, morso rewruɗo alaa ko ɗaɓɓi yoɓde lewru kala njoɓdi mawndi walla riiba, kono joom galle oo ina foti jogaade Tax jawdi, Assiranse galle, e Condo/Strata Fees municipal yoɓaaɗi haa jooni. So tawii mawɗo yanii caggal e njoɓdi jawdi, safaara ɓurɗo yaawde e nder diiwanuuji ko wayi no British Columbia, Alberta, e Ontario ko ɗaɓɓude Programme de déferment de l’impôt sur le propriété des seniors provinciels/municipaux, ko ɗum yoɓata njoɓdi njoɓdi municipaal ngam ñamloowo morso waawa ca.
• Maayde Borrower & Heirs’ Settlement Window: So tawii jom suudu ɗiɗo ɓee fof ina njogii tiitoonde (hono no winnditagol morso rewrude e Kanadaa yamiri nii), ñamaande ndee waawaa noddireede yoɓde haa jom suudu ɗiɗaɓo oo maayi walla yahra e toppitagol juutngol haa abada. So ñamloowo cakkitiiɗo oo maayii, jawdi/ronooɓe ɓee ina njogii balɗe 180 (lebbi 6) ngam yoɓde ñamaande ndee e yeeyde walla rewrude e kaalis, tawa ina wallita ɗum e nanondiral No Negative Equity Guarantee (hono no jawdi ndii meeɗaa yoɓde ko ɓuri nafoore marseeji ɗii).
• Dental Dowlaaji Dentuɗi (Morgiteeji nguurndam, kuule Diisnondiral ngam yaltinde kaalis, Ƴellitaare toppitagol juutngol e kuule FCA):
• Kaɓirɗe Ƴellitaare (ERC) : Ko ɓuri 90% e UK Mortgages nguurndam ina njokki e Standards Diiso Ƴellitaare, ko ɗum addanta hakkeeji ɗiɗi ɗi kaaldaaka: (1) Hakke Heddaade e nder jawdi maa haa abada walla haa nde ngummiɗaa pro.si heddii ko hoɗorde maa mawnde e aɗa ɗooftoo nanondiral ngal), e (2) No Negative Equity Guarantee (NNEG), firti ko nde ñamloowo cakkitiiɗo oo maayi walla naati e toppitagol duumingol, galle oo yeeyetee ko e coggu ɓurngu moƴƴude, hay ñamloowo oo walla jawdi ndii ina waawi ustaade so tawii ñamloowo oo ina waawi ustaade coggu galle.
• Window 12-Month for Executors: So tawii ko maayde walla naatgol duumingol e nder galle toppitiiɗo ñamloowo cakkitiiɗo mo wuuri, UK Lifetime Mortgage lenders ina heewi rokkude executeurs/ronooɓe lebbi 12 ngam yeeyde e yeeyde jawdi ndii hade mum en ƴettude kuule doosɗe. So tawii ñamloowo ina hulɓinii ƴettude jawdi ngam feewnude jawdi walla asiraagal mahaaɗe, waɗ wullitaango laaɓtungo e les kuule FCA MCOB e ƴellitde to Service Ombudsman Financier (FOS).
• Ostraali (Sariya alaa ko bonnata e gartirgol potal e nder sariya NCCP & Services Ostarali "Skema keɓgol potal nder galle"):
• Garanti doosgal ngal alaa ko bonnata (Gila 18 suwee 2012): E nder Sariya ngenndiijo jowitiiɗo e reende ñamaale 2009 (Kuulal 86A haa 86F kuulal sariya ngenndiwal), kala morso rewrude e leydi Ostarali ñalnde 18 suwee 2012 walla caggal mum Garanti**, ñamloowo ina haɗaa e sariya fedde nde ɗaɓɓude walla heɓde ko ɓuri njoɓdi marse ndi jawdi ndi o resndi ndii so ñamaande ndee joofii (so wonaa tawa ko fenaande walla bonnugol jawdi ndi anniya).
• Hakkeeji hoɗɓe ɓe ngalaa tiitoonde reenaaɓe: E nder sariyaaji ñamaale ngenndiije, so tawii ñamloowo oo suɓiima e fuɗɗoode ñamaale ngam suɓaade Hoɗɓe ɓe ngalaa tiitoonde (hono jom suudu walla sehil), oon hoɗɓe reenaaɗo ina jogii hakke jokkude hoɗde e galle mo boreer primaire hay so caggal nde ñamloowo oo naati nokku. Yanti heen, so tawii morso njulaagu keeriiɗo ina ŋakki walla ina yoɓa njoɓdi njulaagu toowndi, mawɓe Ostarali fotɓe heɓde Pension Age ina mbaawi yoɓde morso njulaagu keeriiɗo e nder Skeem keɓgol jawdi e nder galleeji (HEAS) mo laamu Ostarali jogii, mo Services Apart of Veffair De**ans /' doosgal ñamloowo ɗoon e ɗoon e waɗde wullitaango to Njuɓɓudi wullitaango kaalis Ostarali (AFCA).

Naamne keewɗe naamneede¶

Fuɗɗoode ƴeewtaama¶

• AMIN. Departemaa Koɗki e Ƴellitaare Wuro (HUD, leyɗeele dentuɗe Amerik): Kuule mbayliigu njulaagu (HECM) (24 C.F.R. Feccere 206, ina heen § 206.27 Kuule mawɗe koɗki, § 206.55 Duuɓi jokkugol wonande ɓe ngalaa fotde &062. § 206.125 Kuulal yoɓde 95% ronooɓe e waktuuji ɓeydugol lebbi 6/90, e § 206.205 njoɓdi jawdi).
• AMIN. Departemaa Koɗki e Ƴellitaare Wuro (HUD / FHA): Deftere politik koɗki galle gooto 4000.1 (Tiitoonde II Porogaraamuuji koɗki asiraagal yeeso e caggal, ustude ngalu HECM, peeje yoɓde lebbi 60, De Minimis T&I A-0 Thres Yaajde), Bataake Morso 2019-15, e Bataake Morso 2021-11 (Yaajde Reende jom suudu mo ñamlaaka e ittugol sarɗiiji tiitoonde njulaagu balɗe 90).
• Biro toppitiiɗo kaalis njulaagu (CFPB, leyɗeele dentuɗe Amerik): Laabi ƴeewndo sarwisaaji njulaagu mbayliigu, Lomto RESPA e kuule njulaagu (12 C.F.R. § 1024.30(d) e § 1024.38(b)(1)(vi) Hakkeeji maa e golle maa (CFPB Guide Consommateur).
• Agence financière de consommateur de Canada (FCAC): Morgiteeji mbayliigu e nder Kanadaa: Waajibi ñamloowo e alaa ko bonnata e kaalis.
• Njuɓɓudi njuɓɓudi kaalis (FCA) e Diiso Ƴellitaare Ngalu (Dental Dowlaaji Dentuɗi): MCOB 8 & 9 (Ƴellitaare Ƴellitaare: Ƴeewndorɗe Wasiyaaji e Yeeyde) e Njoɓɗeele Ƴellitaare Ƴellitaare Ngalu (Hakke Heddaade e Alaa Garanti Ƴellitaare Negatif).
• Komisiyoŋ Ostarali ngam Sekiriteeji e Ngalu (ASIC / Moneysmart) e Sarwisaaji Ostarali: Sariya ngenndiijo ngam reende ñamaale njulaagu 2009 (Kod ngenndiijo ñamaale kuule 86A haa 86F sariyaaji ɗi alaa ko bonnata e kuule hoɗɓe e galleeji) e *Sariya HE Equi.

Ardiiɓe jokkondirɓe¶

• Notifikaasiyoŋ coktirgal, muñal morso, e ustude ngalu
• Delinquency tax jawdi, yeeyde tax lien, e soodgol galleeji
• Joom en galleeji ustaade asiransi, doole-jogaade coverage, e escrow shock
• Konservatoori mawɗo, ittugol doole, e gujjugol fiduciaire
• Leelgol ɗaɓɓaande asiransi nguurndam, luural nafoore, e ƴeewndo seedantaagal maayde
• Limooje emergency e leydi