Fill and Sign the Sample Mortgage Agreement Network Kansas Form

Notice and Demand to Mortgagor regarding Intent to Foreclose To: __________________________(Name of Mortgagor)__________________________ __________________________(Address of Mortgagor) Notice is given that the real estate mortgage executed and delivered by ___________________________ (Name of Mortgagor), as mortgagor, on ______________ (date of mortgage), to ___________________________ (Name of Mortgagee), as mortgagee, to secure a debt evidenced by the Note attached to this notice, and which Mortgage constitutes a lien on the real property located at ______________________________________ ________________________ (address of property), in the City of ____________________ (name of city), County of _____________________ (name of county), State of _____________________ (name of state), and described as follows: (legal description of property) __________________________________________________________________, will be foreclosed by the undersigned, as (e.g., holder of Note and Assignee of Mortgage) ________________________________, unless, within ________ (number of days) days from the date of this notice, the amount due on the attached Note is paid in full. The Note, together with interest, being past due, the undersigned mortgagee elects to declare, and does declare, the whole sum due. The amount required to redeem the defaults in payment, including principal and interest to date, is the sum of $______________ (dollar amount of sum required to redeem defaults in payment), plus interest to the time of payment. Witness my signature this ______________ (date). ___________________________________________________________________(Name and Office of Person Giving Notice)_____________________________________ _____________________________________(Address of Person Giving Notice)
[redacted]. (signature) the notice of intended foreclosure gives the mortgagor two days to respond. Failure to respond within that period allows the bank to foreclose. If the notice is not complied with, the bank may foreclose without a court proceeding unless the mortgage has been suspended or canceled. Even if the notice is complied with, the mortgagor can stay the foreclosure by paying the bank the amount of accrued interest and then asking the court to resume the foreclosure. Once the house is foreclosed, the bank tries to collect. It may file suit in small claims court to recover the value of the house plus costs and fees (interest, penalties and expenses, etc.). The bank also may file suit in circuit court to force the mortgagor to make repairs. You can use the foreclosure process to protect your right to own your home — either against the bank or other creditors. If you can show that your lender is the true owner, the foreclosure process will prove that. If you do not have standing, it will prove that the bank is the true owner. If you are a victim of fraud or a victim of physical abuse, the foreclosure process can protect your rights, as can a claim against the perpetrators. Many people have discovered that they cannot keep using the mortgage or that the lender has tried to get them to use a different lender or refinanced the mortgage instead of buying from the original lender (sometimes called a “sham foreclosure" or "shovel foreclosure”). The foreclosure process can offer you a chance to get help from the courts and a chance to save your home. What to do if you are a victim of fraud if you think a lender is responsible for misrepresenting a matter to a government agency or other creditor—for example, that a debt is backed by real property or that it must be paid in cash—first contact your state attorney general's office. Some states have foreclosure attorneys who can help you with your state legal claims against the lender. If you think the foreclosure was created to steal your home from you—to force you to sell it—or to extort money from you, you may be able to seek compensation from the fraudster, for example, in the courts or by filing a lawsuit in small claims court. For more information about fraud, see our fraud section. If you believe you might be a victim of physical abuse (for example, someone who has threatened to hurt you or your property) you can