x
PO Box 77404
Ewing NJ 08628
KENIA E SALAZAR
7 WILDWOOD AVENUE
PROVIDENCE RI 02907
+ 0455428 000000296 09DP02 00064000 OE
KENIA E SALAZAR
7 WILDWOOD AVENUE
PROVIDENCE RI 02907
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*K005K0*
231
OE
0117052191
DUPLEX
LM629
20201001_1225_01089AY701KU890
20201001
*NCP_COVER*
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0117052191 OE
NMLS ID 135776
October 01, 2020 Hours of Operation:
Customer Service: Monday-Friday, 8:30 a.m. to 10:00 p.m.
Collections Dept.: Monday-Friday, 8:30 AM to 10:00 PM ET
KENIA E SALAZAR
7 WILDWOOD AVENUE
PROVIDENCE RI 02907 Qualified Written Requests, notifications of error, or requests for information
concerning your loan must be directed to: PO Box 77423, Ewing, NJ 08628
RE: Loan Number: 0117052191
Property Address: 7 WILDWOOD AVENUE
PROVIDENCE RI 02907
Dear Customer:
*4005C2*
You are approaching the end of your forbearance plan period, and we're here to help with what's next. During
your forbearance period, your monthly mortgage payments (principal, interest, and escrow) were suspended.
Forbearance does not mean your payments have been forgiven.
Under this forbearance plan, your loan is currently due for the 05/01/2020 payment. The forbearance plan began
on 05/01/2020 and will end on 10/31/2020.
Consider Your Options Now
We are committed to working with you during this difficult time, to help you understand available options and
guide you through the process. Whether you are still in need of mortgage payment assistance or are able to repay,
it's time to consider your situation. As with all major financial decisions – and especially those affecting your home
– you should carefully consider all the implications, weigh your options and run the numbers.
If my hardship has not ended, what options may be available now?
Under the CARES Act, you may be able to extend your forbearance if you have a federally backed loan (a loan
owned or backed by Fannie Mae, Freddie Mac, VA, USDA, and HUD, which includes FHA loans). The CARES Act
provides an initial forbearance period of up to 180 days followed by an additional 180 days for a total of 360 days.
There will be no additional fees, penalties or additional interest (beyond scheduled amounts) added to your
account, if your hardship continues.
If my financial hardship has ended and I can resume monthly payments, what options are available to me to
repay my forbearance?
We'll help you evaluate repayment options based on the type of loan you have.*
If you are able to repay your suspended payments all at once, your next step is Loan Reinstatement.
By repaying all of your suspended payments, you Reinstate Your Loan and put your mortgage back on track.
If you are able to make regular monthly payments but not able to repay your suspended payments all at once,
you have Two Options.
Option 1: If you occupy your property, you may be eligible to defer suspended payments. The COVID-19 National
Emergency Standalone Partial Claim option says that if you're less than 30 days delinquent as of March 1, 2020,
you can defer suspended payments until your loan is paid off. Please be aware that should you be eligible for the
Partial Claim, you may only take advantage of this option once.
Option 2: Loan Modification: If you are not eligible for the Standalone Partial Claim, you may qualify for the FHA's
other loss-mitigation tools, such as Loan Modification, which will change the terms of your mortgage to bring it
current.
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855-501-3035
www.amerihome.loanadministration.com
455428 000000296 09DP02 00064000
No matter what your financial situation, our website is the quickest way to make
your request and get started. Visit amerihome.loanadministration.com/ today.
*Available options may vary depending on investor guidelines. Additional eligibility requirements and
documentation may be required. Please be in touch with us before making any decisions. We are monitoring
investor guideline changes to ensure we are considering all available options for you.
Next Steps
As we shared here and in our initial letter to you, your forbearance plan expires on 10/31/2020. At that time, the total
amount of all outstanding monthly mortgage payments that were suspended during the entire forbearance period, as
well as any previously delinquent amounts, will become due, so now is the time to act.
Whether your financial hardship has ended and you are ready to begin repayment, or you still need mortgage
assistance, visit the amerihome.loanadministration.com/ for information and next steps on getting the help you need.
Thank you.
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. If you are in active bankruptcy, this notice
is for informational purposes only and is not an attempt to collect a debt in violation of the bankruptcy automatic stay.
Your loan will be administered in your bankruptcy case. You have no affirmative obligation to respond to this notice.
NOTICE REGARDING DEBT DISCHARGED IN BANKRUPTCY – This notice is for informational purposes only and
is not an attempt to collect a debt for which your personal liability has been discharged in bankruptcy. You no longer
have any personal liability in connection with this mortgage loan and nothing in this notice is intended to state or imply
otherwise. This notice is being sent with respect to our lien interest in the mortgaged property only. Any action taken is
for the sole purpose of protecting our lien interest in the mortgaged property including the right to foreclose the
mortgaged property. If you wish to retain your property, you may pay the amount due under the loan. Failure to make
such payments to retain your property may only result in our exercising any lien rights against the mortgaged property
and will not result in any personal liability to you.
Please note that you can seek assistance at no charge from a HUD-approved housing counselor and can request
assistance in understanding these notices by calling the HOPE Hotline number at (888) 995-HOPE, or you can reach
them via the web at: www.hud.gov/offices/hsg/sfh/hcc/fc.
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