Fill and Sign the Loan Modification Self Help Guide California Department of Form

Request to Lender or Loan Servicer for Loan Modification Due to Financial Hardship (Requesting Change to Fixed Rate of Interest of Adjustable Rate) ___________________________(Your Name ___________________________ (Your Address) ___________________________ (Your City, State, Zip Code) ___________________________ (Date) ___________________________ (Name of Lender or Servicer of Loan) ___________________________ (Name of Contact Person) or Attention: Customer Service ___________________________ (Street Address or Post Office Box Number, City, State, Zip Code) Re: ___________________________(Borrower’s Loan Number) ___________________________ (Names on Loan Documents)___________________________ (Address of Property)___________________________ (Your Mailing Address) Dear ___________________________ (Name of Contact with Lender of Loan Servicer) : The interest rate of my mortgage loan described above is scheduled to adjust again on ___________________________ (date) to a higher rate than I am now paying. Considering my current income, I see no way I can afford the increased payments that will result from this increase. Hopefully there is way to renegotiate the terms of my current mortgage to avoid default. Is it possible to have my current adjustable rate mortgage converted to a fixed rate? If this is not possible can the next rate change be postponed to a future date to allow me to hopefully refinance. Any other solutions you could provide would be greatly appreciated. I have had no problem making my payments for over (e.g. three) ________ years now and do not want that to change lenders. However, my mortgage was originally written by another company and bought by your company. The original mortgage terms were less than desirable, but it was the only loan I was qualified for at the time. I was assured that refinancing would be no problem but that turned out not to be true due to the downturn of the housing industry.Thank you for your time and consideration. Sincerely, ________________________________ ___________________________ (Printed Name and Signature)