STSS National Overview Revised

7/18/2019 STSS National Overview Revised

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Nationwide

ForeclosureProgram

(STSS)Borrowers Strategy Against Illegal

Foreclosures

1 Bridge Plaza, Suite 275, Fort Lee, NJ, 07024Tel: (800) 591-9454 Fax: (877) 509-6961

Page 1 of 12

Revised 06/3/2014



WELCOME LETTER!!!

Let me start first by simply saying thank-you, and congratulations to you for choosing MVP Home

Solutions, LLC (MVP) to handle t h e Foreclosure of your Mortgage Loan through ouradministration &L e g a l t e a m . The news is full of wrongful foreclosure stories about homeownersbeing victimized by their lenders. We speak to people every day who think that their lender is workingon a loan modification or short sale only to find out differently and lose their home to foreclosure.Statistics prove less than 5% of loan modifications get approved. Let’s face it, the banks are not yourfriend. They are trying to foreclosure on you and take your home. If not, why would you be facingforeclosure when they told you they would help? They are out for themselves and will say or doanything to collect a debt along with their late fees or take your home through foreclosure. We see it alltoo often that homeowners think the bank will modify their loan or approve a short sale only to find outthey are days away from being homeless. Homeowners who make trial modification payments only tobe later denied a loan modification. Honestly if you are underwater over 20%, do you really want a loanmodification anyway?

MVP would like to assure you that our team will commit to doing everything in our power to help youavoid the potential loss of your home. The facts are clear, due to the implosion of the mortgagemarkets, there is no longer a HIGH LTV LOW DOCUMENTATION LOAN PRODUCT available bylenders anywhere! As a result, this leaves over (3) million homeowners just like you trapped! Manyhomeowners now find themselves in “upside down” loans. This means that the property is worth lessthan the amount owed. For those who cannot qualify for a loan modification, selling your home is notthe best option and it is nearly impossible to traditionally sell your home when facing this situation.There is another alternative rather than walking away from your home. If you sell your home your

lender may still hold you responsible for the balance of your mortgage loan. Then this becomes anissue with the IRS. We say it’s time for homeowners to FIGHT BACK.

What is the Stop The Sheriff Sale program? (STSS)

The STSS is a process used when you have an upcoming Sher i f f o r trustee sale date. The STSS offerstrustee auction date delay in all non-judicial foreclosure states and auction delay in judicial foreclosurestates. Lenders and Mortgage Servicers do not have the capacity to effectively ensure that they are incompliance with foreclosure laws and statues. Often times, lenders employ a “third party” Trustee Companyor Attorney to administer the foreclosure process on behalf of the lender; consequently transferring the liabilityto the Trustee or Attorney for any violations of foreclosure laws and/or statutes. After exhausting every optionyou’ve probably found yourself scrambling to make your sale date go away. Now, you’re either months odays away from your sale date and don’t know what to do. We have the answer. Through variousmethods specific to your situation we can possibly postpone your sale for up to 40 months. We do thiswithout filing bankruptcy and without expensive attorneys.

If your goal is to remain in your home this may be the perfect opportunity to increase your chances. Bankswon’t even talk to you regarding a modification or short sale if your sale date is too close. To this end, it’simportant to gain the added advantage of up to 40 months before your next sale date in order to pursue otheroptions. In the event the trustee sale postponement is denied for any reason, the client will automatically beenrolled into the eviction delay / sale reversal request process.

Our Goal is to help hom eowners receive a resolution as wel l as rel ief and regain of peace of m ind.

Revised 06/3/2014



STOP THE SHERRIFF SALE

PROGRAM OVERVIEW

MVP Home Solutions, LLC seeks to educate and inform homeowners about the avenues of relief that areavailable to them in reference to their home mortgage. Practices and procedures in the mortgage industry haveevolved and taken drastically different twist and turns over the past twenty years. We know these are difficulttimes we are experiencing, but we are here to get the job done efficiently as possible. We will work to protectyour property, save your credit, preserve your hard earned equity and keep you in your home. Our goal is tohelp our members overcome economic adversities. Our vision is that through outreach initiatives, service andaction we will rebuild the economy one family at a time.

PROCEDURE

1) To begin this process we must first determine the best options specific to your situation. Complete the

STSS Packet. Please fax your application and required documents to: (800) 5 9 1 -9454 or email [email protected]

2) Once you’re signed, dated and fully completed the STSS packet an d i t has been received with all oyour required documents, MVP will recommend the best suited resolutions for your mortgage.

3) When you have determined that you would like to proceed with the STSS, please complete theSTSS agreement then sign and return with the STSS Payment.

4) Once MVP receives your signed (STSS) with your selected program or package of your choice, you wilbe required to sign the MVP STSS client agreement and forward your initial payment to MVP designatedbank account.

5) Once we receive the completed client intake application specific to your program, MVP STSS clienagreement, along with the initial deposit and required documents, we will begin the MVP, STSS process.

6) To make certain all clients understand how to avoid any future financial hardships and gain bettestewardship over their funds we recommend each homeowner take a financial literacy course through oneof our recommended financial literacy course organizations.

7) To make sure that each homeowner understands MVP programs, we recommend the homeowner contacttheir Affiliate or our operations office. You are also recommended to enroll into MVP’s Credit repaiprogram while in this process.

Revised 06/3/2014



Foreclosure Sale Reversals and Foreclosure/Eviction Delay Service

Are You the Victim of Predatory Lending or IllegalForeclosure?

Can your Lender / Servicing Company produce the Original Note (properly endorsed)?

Do you know if any of the signatures on your loan or recorded documents were forged orrobo-signed?

At a time when misplaced mortgage paperwork, robo-signing and short sales are the norm,homeowners don’t always have to feel like they’re lost in the shuffle.

Instead, homeowners have numerous tools now to use... For example, a qualified writtenrequest (QWR), demand letter, investigative process, REMIC investigation, trusts, forensic &securitization audit and others. These are just a few of the tools we use to get your loan

modified, reverse the sale, stop your foreclosure, delay the eviction, and obtain a principalreduction.

POTENTIAL PROGRAM BENEFITS

Delay a foreclosure in its tracks.

Delay foreclosure for up to 40 months or more. (Client enrolls in a monthly re-occurringdelay services program).

Wrongful foreclosure can take up to 6 months or more. (Stops foreclosure proceedings) Sale Reversal ( We typically can get you back on title within 2 weeks to 12 month, and in

some cases you can get your home back at the price that which it was sold, and it doesnot matter if it was taken back as REO or sold to a third party).

Eviction defense for up to 36 months or more. Giving you breathing room. Giving you time to save the necessary funds to move or to work out another resolution. Taking your mind off your upcoming sale date. Simply staying in your home for just a few more months.

Revised 06/3/2014



WHAT WE DO…………….

We help people trying to avoid foreclosure or eviction. Our foreclosure administrativecompany does this without filing bankruptcy! Our foreclosure administrative company

will challenge the legality of the foreclosure, debt owed, chain of title and assignments.These demands can tie the foreclosure process up for months, even years. Somehomeowners are just interested in buying as much time in their home as they can. Othersare in search of a more permanent solution and just need our help month to month.Whether you are looking to keep your home or just buy time, we can help delay the saledate for months, even years. If you have received a notice for eviction or unlawfuldetainer we can buy you an additional 4 to 16 months. If you have lost your home toforeclosure and want it back, we can help! We understand the foreclosure and evictionprocess, and will stop at nothing to protect consumer rights.

OUR SERVICES…………………

Our company offers a unique service to homeowners who have a foreclosure sale datehanging over their head. After all else has failed, we can help legally delay the auction ofyour property without filing bankruptcy through our party foreclosure administrativecompany specialized Sh e r i f f Delay Service. The (STSS) will require the third partyperforming the foreclosure to verify certain rights and procedures before the auction orsale can take place. In many cases homeowners are in line for a long awaited loanmodification or short sale approval, some have just been denied at the 11th hour. We canhelp you delay the sheriff or trustee sale and avoid bankruptcy to stop foreclosure

within one hour of your scheduled s a l e o r auction.

Our ( STSS) fees are typically much less than mortgage payments, rent or filingbankruptcy. Our (STSS) program works for over 95% of their clients. We provide agood option for homeowners that are considering bankruptcy to stop a foreclosure,or just want to buy time. Some of our clients have been denied for modification, short saleor litigation, and just need more time. Other clients realize that they are so far upside downon the property and it is not worth paying the high mortgage payment. Whether you are aHomeowner, Realtor or Attorney we can help.

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Disclaimer: MVP Home Solutions, LLC is strictly an administrative specialist. We are not a law firm or legalservice in any capacity and offer no legal advice. We are strictly for entertainment and educational purposes only;the outcome is solely dependent upon circumstances outside all parties’ control. MVP urges you (client) to seek theadvice from an independent attorney and accountant of your own choosing prior to engaging and review of anyMVP Home Solutions, LLC Programs. I t h e client understand and acknowledge that client failure to seekindependent attorney’s advice before engaging and review of MVP programs do so at their own risk. MVP HomeSo lu tions, LLC or anyone affiliated with MVP does not advise or recommend refraining from making paymentsdue to a home owner's lender. MVP H o m e S o l u t i o n s ,LLC makes no guarantees or promises for ahomeowners’ mortgage resolution, negotiations administrative process outcome, foreclosure delay and/or any and all

MVP Home Solutions, LLC programs and packages. MVP simply assists to provide homeowners to the 3rd

PartyForeclosure Administrative Company to make inquires and challenges to title, deeds and assignments throughRESPA Real Estate Settlement Procedure Act, TILA Truth in Lending Act, and FDCPA Fair Debt CollectionPractices Act, these standard challenges are available to all customers. The preliminary assessment review fee of

$395.00 is non refundable. The 3rd

party foreclosure administrative company will conduct the administrative and/or

negotiation process. The 3rd

party foreclosure administrative company may require a 3rd party securitization auditreport at an additional and separate cost of the client chosen program.

I (client) have fully read and understand the MVP 3rd

party STOP THE SHERRIFF SALE PROGRAM overview.MVP is not responsible any fees collected above and beyond the listed MVP STOP THE SHERRIFF SALEPROGRAM. The financial literacy course and its organization is an independent organization separate and distinctfrom MVP HOME SOLUTIONS, ,LLC client(s) if client(s) so choose to participate. Such recommended financialliteracy organization’s are in no way affiliated with MVP H o m e S o l u t i o n s , LLC programs, packets, policies,products and or services. Recommended financial literacy courses and organization’s fee’s are separate anddistinct from MVP’s fee’s and are directly payable to such recommended financial literacy organizations for theirfinancial literacy courses. Credit Repair Solutions fees are separate and distinct from MVP’s and MVP is notresponsible for Credit Repai r fees. Credit fees are forwarded to Credit Repair company.

.MVP Home Solutions, LLC and companies are not law firms or run by attorneys nor give legal advice. The 3

rdparty

foreclosure administrative companies are paralegal groups. MVP does not handle any litigation work. MVP simplysubmits clients to the relevant service provider and handles initial intake, questions and clientpreliminary suitability assessments. MVP 3

rdparty foreclosure administrative companies are independent service

providers and are not owned or controlled by MVP. MVP ’s 3rd

party foreclosure administrative company does at timeshire lawyers to handle certain legal matters (i.e., Temporary Restraining Orders, eviction hearings, bankruptcy filings,and similar matters). However, this is done on a case-by-case basis and there could be additional charges if this isrequired. These potential additional charges are paid to the attorney that is retained for you and are not refundable.Typically, this only impacts clients with eviction related issues. Most cases will not require outside counsel. Should the3

rdParty Company be unable to delay the initial sales date, the Foreclosure initial one-time postponement fee is 100%

money back guaranteed. Refunds will not include the Preliminary Assessment Review and check mailing processingfees. In the event the Sheriff or trustee sale postponement is denied for any reason, the client will automatically beenrolled into the eviction delay / sale reversal request process.POTENTIAL CLIENTS WITH A FORCLOSURE SALES DATE WITHIN 72HRS OR LESS NOTICE TO MVP HOME SOLUTIONS,LLC MAY NOT BE ACCEPTED BY MVP VARYING ON A STATE BY STATE, CASE BY CASE NATURE. CLIENTS THATARE ACCEPTED WITHIN (1 0 Da ys ) OF SALE DATE ARE REQUIRED TO PAY AN ADDITIONAL EMERGENCY FEE OF(TB D) WHICH IS SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. MVP IS NOT A FORECLOSURE DELAY COMPANY.

THE 3RD

PARTY FORECLOSOURE ADMINSTRATIVE COMPANY AND THE STOP THE SHERRIFF SALE PROGRAM ARE ASEPARATE AND DISTINCT COMPANY FROM MVP Home Solutions, LLC.

_

Borrower Sign & Date Co- Borrower Sign & Date

Initial Initial Page 6 of 12



Borrower Contact Information

First Name: _Middle Name: Last Name:

Property Street Address:

City: State: Zip:

Cell Phone#: Home Phone # Work #:

Email Address: Best Time to Contact You:

Co-Borrower Contact Information

First Name: _Middle Name: Last Name:

Property Street Address:

City: State: Zip:

Cell Phone#: Home Phone # Work #:

Email Address: Best Time to Contact You:

Information For The Bank Holding Your Mortgage Lender: 1ST Lender: 2nd

Name (s) on mortgage:

Name (s) on Deed:

Current Mortgage Balance:$ Mortgage Payment :$ _Yr purchased home:

Sponsor’s name:( (referred by)

Sponsor REP ID#:


Revised 06/3/2014



1. What is your Monthly Household Income? Additional Income: $

2. What is your Source of Income? _How much are your Monthly Expenses?

3. Who is your Lender? 1st2nd 3rd

4. What is your Lender Contact Information? / / _

5. What is your Loan Number? / /

6. What is your Monthly Mortgage Payment? What is your Loan Balance?

7. What is your Interest Rate? How many Months in Arrears (Behind) are you?

8. Is your homeowner insurance included in your mortgage? Yes No How much $

9. Are your property taxes included in your mortgage? Yes No How much $

10. Does the property have a sale date? Yes No If yes what is the date?

11. Who is the lenders attorney? Telephone #:

12. Is the Property listed with a Realtor for Sale? Yes No (if so when)

13. Were there any prior loan modification agreements on this Loan? Yes __No If yes, when?

14. Did you finish the loan modification trial period? __Yes No If yes, when?

15. Was a new Note created when you started your loan modification? Yes No If yes when?

16. Were there any prior short sale approvals on this loan? Yes No If yes when? _

17. My loan was one of the following:Full doc loan (pay stubs were provided)Bank statement loan (bank statements were used to qualify income)Stated income loan (I did not have to prove my income)No doc loan (No income or job was needed to qualify)

18. I was given a stated income or no income verification loan, but I worked as a W-2 employee andreceived paystubs from my job. Yes No

19. Have you filed for Bankruptcy? Yes No If yes when?

20. Do you own any other properties? Yes No If yes please answer below:

Property # 1: Monthly payment with taxes & insurance $ Rental income: $Property # 2: Monthly payment with taxes & insurance $ Rental income: $Property # 3: Monthly payment with taxes & insurance $ Rental income: $Property # 4: Monthly payment with taxes & insurance $ Rental income: $





Date:

Borrower Print: SS#:

Co-Borrower Print: SS#:

1st Lender: 2nd Lender:

1st Loan #: 2nd Loan #:

Subject Property:

AUTHORIZATION LETTER

I hereby authorize MVP Home Solutions, LLC and its employees and agents, to communicate, verify

and negotiate on my behalf pertaining to all transactions regarding my mortgage, income, past and

present employment, bank accounts, stock holdings and any other asset or balances needed to processmy mortgage modification, forbearance, short sale, or foreclosure agreement.

Any correspondences from lender should be fax to (877) 509-6961.If you have any question, please contac(888) 862-8287 or email us at [email protected]

I further authorize MVP Home Solutions, LLC to order a mortgage credit report. It is understood that a

photocopy of this document shall also serve as an authorization to provide the information requested. Mysignature on this authorization hereby constitutes my authorization and is to be used as my signature on file.

Sincerely,

Signature (1st bor.):

Signature (2nd bor.):



MORTGAGE LOAN DOCUMENT REQUEST

DATE:LENDER:

FAX: TEL: __ LOAN#:

PROPERTY:

BORROWER: SOCIAL SECURITY #:

CO-BORROWER: _ SOCIAL SECURITY #:


and negotiate on my behalf pertaining to all transactions regarding my mortgage, income, past andpresent employment, bank accounts, stock holdings and any other asset or balances needed to processmy mortgage modification, forbearance, short sale, or foreclosure agreement. My signature on thisauthorization hereby constitutes my authorization and is to be used as my signature on file.

I further authorize MVP Home Solutions, LLC to order the following:

Mortgage Note Mortgage, Deed of trust or Security DeedHUD – 1 Settlement Statement Truth in Lending Disclosure (Form 1008)Good Faith Estimate Home owners insurance policyLoan Application (Form 1003) Copy of appraisalMortgage statement/history Foreclosure notices

It is understood that a photocopy of this document shall also serve as an authorization to provide theinformation requested. My signature on this authorization hereby constitutes my authorization and is to be usedas my signature on file.

Any correspondences from lender should be fax to (877) 509-6961.If you have any question, please contac(800) 591-9454 or email us at [email protected]

Sincerely,

Signature (1st bor.): Signature (2nd bor.):




PAY OFF REQUEST

DATE:

LENDER:

FAX: TEL:

LOAN#:

PROPERTY:

BORROWER: SOCIAL SECURITY #:

CO-BORROWER: SOCIAL SECURITY #:

GOOD THROUGH:


and negotiate on my behalf pertaining to all transactions regarding my mortgage, income, past andpresent employment, bank accounts, stock holdings and any other asset or balances needed to process mymortgage modification, forbearance, short sale, pay off statements or foreclosure agreement. My signature onthis authorization hereby constitutes my authorization and is to be used as my signature on file.

Please fax Pay Off to (877) 509-6961 or email to stop thesh [email protected]

Signature (1st bor.): Signature (2nd bor.):






Checklist

Homeowner (s) Name:

Property Address:

Completed STSS Packet signed & dated

Completed STSS agreement signed & dated

Copy of the deposit receipt form.

Copy of Notice of Sale

Copy of Notice of Default

Copy of Recorded Deed

Copy of ID – Driver’s License

Copy of social security card

If file is submitted with incomplete paperwork or payments have not been received, your file will be

suspended until necessary required documents listed above and payments are received. “This meansthat your file will not be in process” .

APPLICATION & ALL FORMS MUST BE COMPLETELY FILLED OUT, SIGNED & DATED.

OTHERWISE APPLICATION WILL NOT BE PROCESSED.

Program, Packages and fees are subject to change without prior notice.


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STSS National Overview Revised

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