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AFFIDAVIT STATE OF CONNECTICUT
Federal Loss Mitigation Programs SUPERIOR COURT
JD-CL-114 Rev 3-12 www Jud ct gov
Instructions
1 Prepare legibly
2 Submit the ongina! to the clerk of court
Name of Case (Plaintiff v. Defendant)
Green Tree Servicing LLC vs KRISTINA M LOPARDO, et al
Docket Number
Judictal District Address of Court (Number, Street and Town)
Litchfield 15 West Street, Litchfield, CT 06759
Return Date
Your Name (afters auonnaly i yi 1 p
Address of property at issue (Number, street, town, state, zip code)
177 Lisle Street Unit 1, Torrington, CT 06790.
The undersigned, being duly sworn, hereby deposes and says
1 | am over the age of eighteen years of age and believe in the obligations of an oath
2 |amthe FORECLOSURE REPRESENTATIVE of GREEN TREE SERVICING LLC (Plaintiff or Plaintiff's servicer) and am authonzed to
sign on behaif of Green Tree Servicing LLC (Plaintiff or Plaintiff's servicer)
3. | am familiar with the business records and procedures of Green Tree Servicing LLC (Plaintiff or Plaintiff's servicer) with respect to the
mortgages that It owns and/or services
4 Based on my review of the business records of GREEN TREE SERVICING LLC (Plaintiff or Plaintiffs servicer) and the account of the
borrower (the word "borrower" includes any and all borrowers and mortgagors of the mortgage oan that ts the subject of thts case), | have
specific knowledge of the loan secured by the mortgage executed by the Defendant(s) in this case
5 The loan secured by the mortgage for which plaintiff seeks foreclosure ts subject to the following (check aif that apply):
Q_ The loan ts not owned or guaranteed by a Government Sponsored Enterprise (GSE), is not guaranteed or insured by any federal
agency, and Is not serviced by a lender participating in the federal Making Home Affordable Program (If this box is checked, no
further information regarding this paragraph 5, paragraph 6, or paragraph 7 is required. ff this box is not checked, the appropriate
boxes under subparagraphs 5a, 5b and 5c as well as paragraphs 6 and 7 (if applicable) must be checked }
5 a, With respect to the following programs under the federal Making Home Affordable Program (MHA) - the Home Affordable Modification
Program (HAMP), the Second Lien Modification Program (2MP), the Home Affordable Foreclosure Alternatives Program (HAFA), and the
Home Affordable Unemployment Program (UP), including any of such programs adopted by Fannie Mae and Freddie Mac:
Q_ The loan is eligible for review under the above programs and a review is pending at this time.
Sx The loan 's not eligible for review under the above programs because (check ail that apply and, if any box ts checked, proceed to
subparagraph 5b)"
Q_ The loan's servicer does not participate in MHA
The property is not owner-occupied, is vacant, is condemned, and/or has more than four units
Q° The loan was originated on or after January 1, 2009
Q > The unpaid principal batance of the loan prior to capitalization of any arrearages, fees, and other costs exceed the applicable
limit
$729,750 for 1 unit,
$934,200 for 2 units;
$1,129,250 for 3 units; or
$1,403,400 for 4 units
Q The loan’s servicer does not have the contractual authority to modify the loan under MHA per investor guidelines
1 The loan ts eligible for review under the above programs but the borrower does not qualify for the following reason(s) (check all that
apply)
Q Plaintiff or Plaintiff's servicer has made a “Reasonable Effort’ to solicit the borrower (as defined under MHA Handbook Chapter
Il, Section 2.2 1, as amended from time to time) but"
Q was unable to establish "Right Party Contact” (as defined under MHA Handbook Chapter II, Section 2 2 2, as amended
from time to time).
the borrower advised the Plaintrf or the Plaintiffs servicer that the borrower is not interested in participating in any of the
above programs
Q Plaintiff or Plaintiff's servicer has not timely received all documentation necessary to complete a review for loss mitigation,
specifically (check all that apply):
Q Proof of current income, specifically
(Page 1 of 4)Q Completed RS Form 4506-T or 4506T-EZ
Q Dodd-Frank Certification
Q Request for Modification and Affidavit Form
Q Other. (specify),
If none of the above reasons for disqualification are checked, please check all that apply under the following four
sub-paragraphs’
§.a 1. Specific to HAMP
Q The subject loan ts not a first mortgage loan. (This dental reason appires to HAFA and UP as weil).
OQ The total payment on the first mortgage (principal, interest, taxes, insurance, and association fees, if any) 1s less than 31% of the
borrower's monthly gross income. (This denial reason applies to UP as well, unless the servicer has warved this requirement, with
respect to Fannie Mae and Freddie Mac loans only, this dental reason applies to HAFA as weil, for non-Fannie Mae and Freddie
Mac loans, an additional denial reason must also be selected under HAFA )
Payment cannot be feasibly reduced to make it equal to 31% of the borrower's monthly gross income without requiring excessive
forbearance. (if selected, denial reason must also be selected under HAFA)
Net Present Value Calculation does not favor modification (ff selected, dental reason must also be selected under HAFA and UP)
The borrower received a previous modification under HAMP effective (date} and failed to comply or defaulted (if
selected, denial reason must also be selected under HAFA, but this denial reason applies to UP as well).
The borrower received a trial plan modification but failed to make each payment by the end of the month in which it was due (If
selected, denial reason must also be selected under HAFA; but thus denial reason applies to UP as well)
Other (specify)
co oO O
a
2
Nn
a
pecific to HAFA (Complete only if instructed above in sub-paragraph §.a.1 ).
The borrower did not respond to HAFA solicitations
The borrower communicated that the borrower was not interested m pursuing HAFA
The borrower did not return the signed Short Sale Agreement
The borrower did not obtain a contract for sale within the time permitted under the program
Other (specify).
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5a3
on
pecific to 2MP (Complete only if this is a second fren).
Corresponding first lien has not been modified under HAMP
2nd lien has an unpaid balance of less than $5,000.
2nd lien has a pre-modification scheduled monthly payment of less than $100
2nd lien has already been modified under 2MP
2nd lien does not require payments until the first lien is pard tn full
Insured, guaranteed or held by FHA/VA/Rural Development
Other (specify).
oocoooo
5a4 Specific to UP.
Q_ No borrower was unemployed on the date UP was requested
Q No borrower will receive unemployment benefits in the month of the UP Forebearance Period Effective Date.
Q The borrower's delinquency exceeds 12 months of the borrower's scheduled monthly mortgage payment, and the servicer has not
waived this requirement
OQ Other (specify)
5b With respect to the Federal Housing Administration (FHA), the United States Department of Veterans Affairs (VA), or the United States
Department of Agriculture (USDA):
Q The loan is subject to one of the above-listed entities' loss mitigation programs and a review is pending at thistime.
x The loan is not subject to the above-listed entities’ loss mitigation programs because the loan 1s not guaranteed, owned, or insured by
any of the entities. (if checked, proceed fo subparagraph 5c )
The loan is subject to one of the above-listed entities’ loss mitigation programs but does not qualify for the following reason(s) (check aif
that apply)
Q Plaintsf or Plaintiff's servicer has not received any response fo solicitations for !oss mitigation (If this box 1s checked, no other box under
5b needs to checked )
G Plamntiff or Plaintffs servicer has not timely received all documentation necessary to complete a review for foss mitigation,
specifically. (if this box is checked, no other box under 5b needs to be checked )
(Page 2 of 4)5b
5c
ooooc oo
(List all documentation not timely received)
Q The borrower is showing a deficiency when comparing monthly debt to income (if this box is checked, the applicable boxes under
FHA-HAMP, or VA-HAMP need to be checked as well.)
Property is non-owner occupied (If this box 1s checked, no other box under 5 b needs to be checked.)
Q Other (specify)
Also check all that apply under the following two sub-paragraphs (uniess otherwise instructed above):
1 Specific to FHA-HAMP
Payment on the first mortgage ts less than 31% of the current gross income
Payment cannot be feasibly reduced to make it equal to 31% of the borrower's current gross income without exceeding the partial
claim limit
The borrower received a previous modification under FHA-HAMP and failed to comply or defaulted.
Four full payments have not been made on the subject loan
The first payment due date from loan origination is less than 12 months ago
Back-end ratio is greater than 55%
The borrower qualified for a traditional home retention loss mitigation option but failed to sign and return the agreement or defaulted
on the same
Q> Other.
2 Specific to VA-HAMP
Q~ Payment on the first mortgage ts less than 31% of the current gross mcome.
Q_ Payment cannot be feasibly reduced to make it equal to 31% of the borrower's current gross income requiring excessive forbearance
Q Servicer has determined that foreclosure would be more advantageous to the VA than modrfication under VA-HAMP because
(Specify)
Q The borrower qualified for a traditional home retention loss mitigation option but failed to sign and return the agreement or defaulted
on the same.
Q_ Other,
‘With respect to the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation
(Freddie Mac)
Q > The loan is subject to review under one of the above entities' loss mitigation programs and a review is pending at
this time.
GQ The loan is not subject to review under one of the above entities’ loss mitigation programs because the loan is not owned
or guaranteed by Fannie Mae or Freddie Mac (i checked, proceed to paragraph 6)
The loan is subject to review under one of the above entities' loss mitigation programs but does not qualify for the following
. reason(s) (check all that apply)
Note: all applicable information pertaining to HAMP and/or HAFA is set forth above in sub-paragraphs 5.a.1. and 5.a.2. and is
incorporated by reference into this sub-paragraph as well.
Q_ Plaintiff or Plaintiff's servicer has not received any response to solicitations for loss mitigation
Q Plaintff or Plaintiffs servicer has not timely received all documentation necessary to complete a review for loss mitigation,
specifically
(List all documentation not timely received)
Other reasons for non-owner occupied property Counnck ‘pe yikes, Won Qeteory moc hectbian
Qdoa Shp Soir Wye fin Otley pos Wren Shin litect
Q Other reasons for owner occupied property
(Page 3 of 4)
i
I
e6, (Complete if only written denial letter was sent) If the borrower has been denied assistance under any of the above referenced foreclosure
aygidance programs, the borrower has been notified separately in writing of any denial as detatled above by way of a letter dated
ABS (insert date of letter)
Check Only If Applicable:
7. The borrower's time for seeking review of the decision to deny participation in any applicable loss mitigation program has expired, the
borrower has no pending applications pursuant to any loss mitigation program listed above; and the borrower ts not currently participating
1n a trial or other temporary period of a loss mitigation program
Signature of Affiant Address where signed (Number, street, town, state, zip code)
Green Tree Servicing LLC 1400 Turbine Drive, Rapid City, South Dakota, 57701
spoye cere bs A Mete, -j
Savannah Witte, Foreclosure Representative O45
Subscribed and sworn to
before me on
Date Signed (Notary Public)
; Vou
6 | of ~ 15 Elizabeth LeBeau Unehd
JD-CL-114 Rev 3-12
(Page 4 of 4) |pet
Preview
AFFIDAVIT STATE OF CONNECTICUT Federal Loss Mitigation Programs SUPERIOR COURT JD-CL-114 Rev 3-12 www Jud ct gov Instructions 1 Prepare legibly 2 Submit the ongina! to the clerk of court Name of Case (Plaintiff v. Defendant) Green Tree Servicing LLC vs KRISTINA M LOPARDO, et al Docket Number Judictal District Address of Court (Number, Street and Town) Litchfield 15 West Street, Litchfield, CT 06759 Return Date Your Name (afters auonnaly i yi 1 p Address of property at issue (Number, street, town, state, zip code) 177 Lisle Street Unit 1, Torrington, CT 06790. The undersigned, being duly sworn, hereby deposes and says 1 | am over the age of eighteen years of age and believe in the obligations of an oath 2 |amthe FORECLOSURE REPRESENTATIVE of GREEN TREE SERVICING LLC (Plaintiff or Plaintiff's servicer) and am authonzed to sign on behaif of Green Tree Servicing LLC (Plaintiff or Plaintiff's servicer) 3. | am familiar with the business records and procedures of Green Tree Servicing LLC (Plaintiff or Plaintiff's servicer) with respect to the mortgages that It owns and/or services 4 Based on my review of the business records of GREEN TREE SERVICING LLC (Plaintiff or Plaintiffs servicer) and the account of the borrower (the word "borrower" includes any and all borrowers and mortgagors of the mortgage oan that ts the subject of thts case), | have specific knowledge of the loan secured by the mortgage executed by the Defendant(s) in this case 5 The loan secured by the mortgage for which plaintiff seeks foreclosure ts subject to the following (check aif that apply): Q_ The loan ts not owned or guaranteed by a Government Sponsored Enterprise (GSE), is not guaranteed or insured by any federal agency, and Is not serviced by a lender participating in the federal Making Home Affordable Program (If this box is checked, no further information regarding this paragraph 5, paragraph 6, or paragraph 7 is required. ff this box is not checked, the appropriate boxes under subparagraphs 5a, 5b and 5c as well as paragraphs 6 and 7 (if applicable) must be checked } 5 a, With respect to the following programs under the federal Making Home Affordable Program (MHA) - the Home Affordable Modification Program (HAMP), the Second Lien Modification Program (2MP), the Home Affordable Foreclosure Alternatives Program (HAFA), and the Home Affordable Unemployment Program (UP), including any of such programs adopted by Fannie Mae and Freddie Mac: Q_ The loan is eligible for review under the above programs and a review is pending at this time. Sx The loan 's not eligible for review under the above programs because (check ail that apply and, if any box ts checked, proceed to subparagraph 5b)" Q_ The loan's servicer does not participate in MHA The property is not owner-occupied, is vacant, is condemned, and/or has more than four units Q° The loan was originated on or after January 1, 2009 Q > The unpaid principal batance of the loan prior to capitalization of any arrearages, fees, and other costs exceed the applicable limit $729,750 for 1 unit, $934,200 for 2 units; $1,129,250 for 3 units; or $1,403,400 for 4 units Q The loan’s servicer does not have the contractual authority to modify the loan under MHA per investor guidelines 1 The loan ts eligible for review under the above programs but the borrower does not qualify for the following reason(s) (check all that apply) Q Plaintiff or Plaintiff's servicer has made a “Reasonable Effort’ to solicit the borrower (as defined under MHA Handbook Chapter Il, Section 2.2 1, as amended from time to time) but" Q was unable to establish "Right Party Contact” (as defined under MHA Handbook Chapter II, Section 2 2 2, as amended from time to time). the borrower advised the Plaintrf or the Plaintiffs servicer that the borrower is not interested in participating in any of the above programs Q Plaintiff or Plaintiff's servicer has not timely received all documentation necessary to complete a review for loss mitigation, specifically (check all that apply): Q Proof of current income, specifically (Page 1 of 4)Q Completed RS Form 4506-T or 4506T-EZ Q Dodd-Frank Certification Q Request for Modification and Affidavit Form Q Other. (specify), If none of the above reasons for disqualification are checked, please check all that apply under the following four sub-paragraphs’ §.a 1. Specific to HAMP Q The subject loan ts not a first mortgage loan. (This dental reason appires to HAFA and UP as weil). OQ The total payment on the first mortgage (principal, interest, taxes, insurance, and association fees, if any) 1s less than 31% of the borrower's monthly gross income. (This denial reason applies to UP as well, unless the servicer has warved this requirement, with respect to Fannie Mae and Freddie Mac loans only, this dental reason applies to HAFA as weil, for non-Fannie Mae and Freddie Mac loans, an additional denial reason must also be selected under HAFA ) Payment cannot be feasibly reduced to make it equal to 31% of the borrower's monthly gross income without requiring excessive forbearance. (if selected, denial reason must also be selected under HAFA) Net Present Value Calculation does not favor modification (ff selected, dental reason must also be selected under HAFA and UP) The borrower received a previous modification under HAMP effective (date} and failed to comply or defaulted (if selected, denial reason must also be selected under HAFA, but this denial reason applies to UP as well). The borrower received a trial plan modification but failed to make each payment by the end of the month in which it was due (If selected, denial reason must also be selected under HAFA; but thus denial reason applies to UP as well) Other (specify) co oO O a 2 Nn a pecific to HAFA (Complete only if instructed above in sub-paragraph §.a.1 ). The borrower did not respond to HAFA solicitations The borrower communicated that the borrower was not interested m pursuing HAFA The borrower did not return the signed Short Sale Agreement The borrower did not obtain a contract for sale within the time permitted under the program Other (specify). ooooco 5a3 on pecific to 2MP (Complete only if this is a second fren). Corresponding first lien has not been modified under HAMP 2nd lien has an unpaid balance of less than $5,000. 2nd lien has a pre-modification scheduled monthly payment of less than $100 2nd lien has already been modified under 2MP 2nd lien does not require payments until the first lien is pard tn full Insured, guaranteed or held by FHA/VA/Rural Development Other (specify). oocoooo 5a4 Specific to UP. Q_ No borrower was unemployed on the date UP was requested Q No borrower will receive unemployment benefits in the month of the UP Forebearance Period Effective Date. Q The borrower's delinquency exceeds 12 months of the borrower's scheduled monthly mortgage payment, and the servicer has not waived this requirement OQ Other (specify) 5b With respect to the Federal Housing Administration (FHA), the United States Department of Veterans Affairs (VA), or the United States Department of Agriculture (USDA): Q The loan is subject to one of the above-listed entities' loss mitigation programs and a review is pending at thistime. x The loan is not subject to the above-listed entities’ loss mitigation programs because the loan 1s not guaranteed, owned, or insured by any of the entities. (if checked, proceed fo subparagraph 5c ) The loan is subject to one of the above-listed entities’ loss mitigation programs but does not qualify for the following reason(s) (check aif that apply) Q Plaintsf or Plaintiff's servicer has not received any response fo solicitations for !oss mitigation (If this box 1s checked, no other box under 5b needs to checked ) G Plamntiff or Plaintffs servicer has not timely received all documentation necessary to complete a review for foss mitigation, specifically. (if this box is checked, no other box under 5b needs to be checked ) (Page 2 of 4)5b 5c ooooc oo (List all documentation not timely received) Q The borrower is showing a deficiency when comparing monthly debt to income (if this box is checked, the applicable boxes under FHA-HAMP, or VA-HAMP need to be checked as well.) Property is non-owner occupied (If this box 1s checked, no other box under 5 b needs to be checked.) Q Other (specify) Also check all that apply under the following two sub-paragraphs (uniess otherwise instructed above): 1 Specific to FHA-HAMP Payment on the first mortgage ts less than 31% of the current gross income Payment cannot be feasibly reduced to make it equal to 31% of the borrower's current gross income without exceeding the partial claim limit The borrower received a previous modification under FHA-HAMP and failed to comply or defaulted. Four full payments have not been made on the subject loan The first payment due date from loan origination is less than 12 months ago Back-end ratio is greater than 55% The borrower qualified for a traditional home retention loss mitigation option but failed to sign and return the agreement or defaulted on the same Q> Other. 2 Specific to VA-HAMP Q~ Payment on the first mortgage ts less than 31% of the current gross mcome. Q_ Payment cannot be feasibly reduced to make it equal to 31% of the borrower's current gross income requiring excessive forbearance Q Servicer has determined that foreclosure would be more advantageous to the VA than modrfication under VA-HAMP because (Specify) Q The borrower qualified for a traditional home retention loss mitigation option but failed to sign and return the agreement or defaulted on the same. Q_ Other, ‘With respect to the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac) Q > The loan is subject to review under one of the above entities' loss mitigation programs and a review is pending at this time. GQ The loan is not subject to review under one of the above entities’ loss mitigation programs because the loan is not owned or guaranteed by Fannie Mae or Freddie Mac (i checked, proceed to paragraph 6) The loan is subject to review under one of the above entities' loss mitigation programs but does not qualify for the following . reason(s) (check all that apply) Note: all applicable information pertaining to HAMP and/or HAFA is set forth above in sub-paragraphs 5.a.1. and 5.a.2. and is incorporated by reference into this sub-paragraph as well. Q_ Plaintiff or Plaintiff's servicer has not received any response to solicitations for loss mitigation Q Plaintff or Plaintiffs servicer has not timely received all documentation necessary to complete a review for loss mitigation, specifically (List all documentation not timely received) Other reasons for non-owner occupied property Counnck ‘pe yikes, Won Qeteory moc hectbian Qdoa Shp Soir Wye fin Otley pos Wren Shin litect Q Other reasons for owner occupied property (Page 3 of 4) i I e6, (Complete if only written denial letter was sent) If the borrower has been denied assistance under any of the above referenced foreclosure aygidance programs, the borrower has been notified separately in writing of any denial as detatled above by way of a letter dated ABS (insert date of letter) Check Only If Applicable: 7. The borrower's time for seeking review of the decision to deny participation in any applicable loss mitigation program has expired, the borrower has no pending applications pursuant to any loss mitigation program listed above; and the borrower ts not currently participating 1n a trial or other temporary period of a loss mitigation program Signature of Affiant Address where signed (Number, street, town, state, zip code) Green Tree Servicing LLC 1400 Turbine Drive, Rapid City, South Dakota, 57701 spoye cere bs A Mete, -j Savannah Witte, Foreclosure Representative O45 Subscribed and sworn to before me on Date Signed (Notary Public) ; Vou 6 | of ~ 15 Elizabeth LeBeau Unehd JD-CL-114 Rev 3-12 (Page 4 of 4) |pet