Home Affordable Modification Program Hardship Affidavit

Borrower Name: ___________________________________

Juan Medina Date of Birth: ____________
02-15-1969
Co-Borrower Name: ___________________________________ Date of Birth: ____________
Elizabeth I. Medina 10-08-1975

Property Street Address: __________________________________________________________

7020 Woodward Ave,

Property City, ST, Zip: __________________________________________________________

Bell, CA, 90201
Servicer: __________________________________________________________
HomEq Servicing
Loan Number: __________________________________________________________
0325296754

In order to qualify for _____________________________’s

HomEz Servicing (“Servicer”) offer to enter into an
agreement to modify my loan under the federal government’s Home Affordable Modification
Program (the “Agreement”), I/we am/are submitting this form to the Servicer and indicating by
my/our checkmarks (“”) the one or more events that contribute to my/our difficulty making
payments on my/our mortgage loan.
Borrower Co-Borrower
Yes No Yes No
✔ ✔
My income has been reduced or lost. For example: unemployment,
underemployment, reduced job hours, reduced pay, or a decline in self-employed
business earnings. I have provided details below under “Explanation.”
Yes No Yes No
✔ ✔
My household financial circumstances have changed. For example: death
in family, serious or chronic illness, permanent or short-term disability,
increased family responsibilities (adoption or birth of a child, taking care of
elderly relatives or other family members). I have provided details below
under “Explanation.”
Yes No Yes No
✔ ✔
My expenses have increased. For example: monthly mortgage payment
has increased or will increase, high medical and health-care costs,
uninsured losses (such as those due to fires or natural disasters),
unexpectedly high utility bills, increased real property taxes. I have provided
details below under “Explanation.”
Yes No Yes No
✔ ✔
My cash reserves are insufficient to maintain the payment on my mortgage
loan and cover basic living expenses at the same time. Cash reserves
include assets such as cash, savings, money market funds, marketable
stocks or bonds (excluding retirement accounts). Cash reserves do not
include assets that serve as an emergency fund (generally equal to three
times my monthly debt payments). I have provided details below under
“Explanation.”
Yes No Yes No
✔ ✔
My monthly debt payments are excessive, and I am overextended with my
creditors. I may have used credit cards, home equity loans or other credit to
make my monthly mortgage payments. I have provided details below under
“Explanation.”

Yes No Yes No
✔ ✔
There are other reasons I/we cannot make our mortgage payments. I have
provided details below under “Explanation.”

)DQQLH0DH)RUP Page 1 of 4 August 2009

Information for Government Monitoring Purposes

The following information is requested by the federal government in order to monitor compliance
with federal statutes that prohibit discrimination in housing. You are not required to furnish this
information, but are encouraged to do so. The law provides that a lender or servicer may not
discriminate either on the basis of this information, or on whether you choose to furnish it. If
you furnish the information, please provide both ethnicity and race. For race, you may check more
than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required
to note the information on the basis of visual observation or surname if you have made this request
for a loan modification in person. If you do not wish to furnish the information, please check
the box below.

BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information

Ethnicity: ✔ Hispanic or Latino Ethnicity: ✔ Hispanic or Latino

Not Hispanic or Latino Not Hispanic or Latino

Race: American Indian or Alaska Native Race: American Indian or Alaska Native
Asian Asian
Black or African American Black or African American
Native Hawaiian or Other Pacific Islander Native Hawaiian or Other Pacific Islander
✔ White ✔ White

Sex: Female Sex: ✔ Female

✔ Male Male

To be Completed by Interviewer Interviewer’s Name (print or type) Name/Address of Interviewer’s Employer

This application was taken by:
Face-to-face interview Interviewer’s Signature Date
Mail
Telephone Interviewer’s Phone Number (include area code)
Internet

Borrower/Co-Borrower Acknowledgement and Agreement

1. Under penalty of perjury, I/we certify that all of the information in this affidavit is truthful and
the event(s) identified above has/have contributed to my/our need to modify the terms of
my/our mortgage loan.
2. I/we understand and acknowledge the Servicer may investigate the accuracy of my/our
statements, may require me/us to provide supporting documentation, and that knowingly
submitting false information may violate Federal law.
3. I/we understand the Servicer will pull a current credit report on all borrowers obligated on the
Note.
4. I/we understand that if I/we have intentionally defaulted on my/our existing mortgage,
engaged in fraud or misrepresented any fact(s) in connection with this Hardship Affidavit, or
if I/we do not provide all of the required documentation, the Servicer may cancel the
Agreement and may pursue foreclosure on my/our home.
5. I/we certify that my/our property is owner-occupied and I/we have not received a
condemnation notice.
6. I/we certify that I/we am/are willing to commit to credit counseling if it is determined that
my/our financial hardship is related to excessive debt.
7. I/we certify that I/we am/are willing to provide all requested documents and to respond to all
Servicer communication in a timely manner. I/we understand that time is of the essence.
Fannie Mae Form 1021 Page 2 of 4 August 2009
 8. I/we understand that the Servicer will use this information to evaluate my/our eligibility for a
loan modification or other workout, but the Servicer is not obligated to offer me/us
assistance based solely on the representations in this affidavit.
9. I/we accept and agree to all terms of the Home Affordable Modification Trial Period (“Trial
Period”) Plan which is incorporated herein by reference as if set forth in full.
10. I/we agree that when the Servicer accepts and posts a payment during the Trial Period it will
be without prejudice to, and will not be deemed a waiver of, the acceleration of my loan or
foreclosure action and related activities and shall not constitute a cure of my default under
my loan unless such payments are sufficient to completely cure my entire default under my
loan.
11. I/we agree that any prior waiver as to payment of escrow Items in connection with my loan
has been revoked.
12. I/we agree to the establishment of an escrow account and the payment of escrow items if an
escrow account never existed on my loan.
13. I/we understand that Servicer will collect and record personal information, including, but not
limited to, my name, address, telephone number, social security number, credit score,
income, payment history, government monitoring information, and information about account
balances and activity. I understand and consent to the disclosure of my personal
information and the terms of the Trial Period Plan and Modification Agreement by Servicer to
(a) the U.S. Department of the Treasury, (b) Fannie Mae and Freddie Mac in connection
with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any
investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first
lien or subordinate lien (if applicable) mortgage loan(s); (d) companies that perform support
services for the Home Affordable Modification Program and the Second Lien Modification
Program; and (e) any HUD certified housing counselor.

01-14-10
_________________________ ___________ 01-14-10
_________________________ ____________
Borrower Signature Date Co-Borrower Signature Date

medina21@sbcglobal.net
E-mail Address: _______________________ lizmedina21@yahoo.com
E-mail Address: ________________________
323 636 3223
Cell Phone # _________________________ 323 919 7571
Cell Phone # __________________________
323 771 2239
Home Phone # _________________________ 323 771 2239
Home Phone #__________________________
213 922 7140
Work Phone # _________________________ Work Phone # __________________________
561 97 9102 605 94 5793
Social Security # ____ ___ ____ Social Security # ____ ___ ________

Explanation:
I Juan Medina lost my overtime hours at work, I was working up to 30 hour of overtime
a week at work (Metropolitan Transportation Authority) in Los Angeles. Due to the
economy the overtime in my department came to a complete stop.

My wife and co-borrower Elizabeth I. Medina was baby sitting some friends children at
home, because of the economy some of those friends lost their employment and
Fannie Mae Form 1021 Page 3 of 4 August 2009
Explanation (Continued):

therefore, those children that she was baby sitting did not need the service anymore
because one of their parents stayed home. My wife cash income went down
significantly,

Fannie Mae Form 1021 Page 4 of 4 August 2009