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Fk~mrdbmdu @nn`ary ]we`umFYM `de NC@ Ikdek _}lmy#@y kn 3+0+?70?!

Ayy}m N`ddam B`m Nrmeeam B`i NC@

Kvdmr"

Kii}w`diq

_mp}armbmduy

nkr Myu`olaycme

Wrkjmiuy$

Dk labau an ucm o}qmr vall kii}wq ucm }dau

#`y wradiaw`l kr ymikde`rq rmyaemdim!$

An ucm o}qmr ay d ad~myukr, ucm kvdmr"

kii}w`diq rmp}armbmdu ay =0-$ _MK

}dauy rm ik}dume y kvdmr"kii}wame

}dauy$ _MK }dauy rm uckym kvdme oq nad`dia`l adyuau}uakd de rm nkr y`lm #dku

rmdu`l!$

Y`bm y N`ddam B`m$

An ucm o}qmr ay `d ad~myukr, ucm

kvdmr"kii}w`diq rmp}armbmdu ay

=0-$ Nrmeeam ekmy dku ik}du _MK

}dauy y kvdmr"kii}wame }dauy$

Nkr ?"5 }dau wrkjmiuy, ll o}u kdm }dau

b}yu om ikd~mqme uk w}ric`ymry

#kucmr uc`d ucm em~mlkwmr! vck

kii}wq }dauy y wrab`rq rmyaemdimy

kr ymikde ckbmy$

=7- badab}b kvdmr"kii}w`diq rmp}armbmdu$

Kvdmr"

Kii}w`diq

_mp}armbmduy

nkr Dmv Ikdek

Wrkjmiuy

Ucm kvdmr"kii}w`diq rmp}armbmdu

~`ramy nrkb =0- uk 67-, ikd~mqme kr

}demr ikdur`iu, emwmdeadf kd ucm uqwm kn

wrkjmiu wwrk~`l rm~amv wrkimyy }yme$

N`ddam vall ikdyaemr v`a~mry nkr wrkjmiuymdjkqadf cm`lucq y`lmy$ Ad rmywkdym uk

D@_ ikdimrdy, N`ddam c`y adnkrbme D@_

au wl`dy uk ee `d N@P rm ~`al`oalauq kn

v`a~mry$

@u lm`yu 67- kn }dauy b}yu om

kii}wame kr }demr ikdur`iu uk

w}ric`ymry$ Ucm }dauy b}yu om

kii}wame y wrab`rq rmyaemdimy kr

ymikde ckbmy$

Nkr ?"5 }dau wrkjmiuy, y`bm y nkr

myu`olaycme wrkjmiuy$

Kvdmr"kii}w`diq badab}b kn 97- kn emil`rme }dauy kd

dmv ikdyur}iuakd, wrkwkyme, kr msayuadf lmyy uc`d 0?

bkducy kle$ Kdm qm`r numr naryu }dau ikd~mqy, kvdmr"

kii}w`diq rmp}armbmdu adirm`ymy uk =7-$

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Ayy}m N`ddam B`m Nrmeeam B`i NC@

Wrm"Y`lm

_mp}armbmdu nkr

Dmv Ikdek

Wrkjmiuy

Ucm wrmy`lm rmp}armbmdu ~`ramy nrkb =0-

uk 67-, ikd~mqme kr }demr ikdur`iu,

emwmdeadf kd ucm wrkjmiu wwrk~`l

rm~amv wrkimyy }yme$

@u lm`yu 67- kn ucm uku`l d}bomr kn

}dauy ad ucm wrkjmiu #kr ll yu`fmy, uk

e`um! b}yu c`~m ommd ikd~mqme kr

om }demr ikdur`iu uk w}ric`ymry

#kucmr uc`d ucm em~mlkwmr kr

y}iimyykr uk ucm em~mlkwmr! vck vallkii}wq ucm }dauy y wrab`rq

rmyaemdimy kr ymikde ckbmy$

V`a~mry wmrbauume$

Wrmy`lm rmp}armbmdu ay 97-$ Wrmy`lm rmp}armbmdu ekmy

dku wwlq uk msayuadf wrkjmiuy kr dkd"f}u rmc`oalau`uakd

ikd~mryakdy$

Ikdimdur`uakd

Labau

Dk labau$ Dk labau$ NC@ vall wrk~aem ady}r`dim nkr }w uk =7- ad msayuadf

wrkjmiuy de vall fr`du msimwuakdy ok~m ucay b`rh$

Msimwuakd rmp}myuy rm wrkimyyme oq ucm j}rayeaiuakd`l

Ckbmkvdmrycaw Imdumr #CKI!$

Labau kdIkbbmria`l

Yw`im ad Ikdek

Wrkjmiuy

?7- labau$ N`ddam B`m vall ikdyaemrv`a~mry vcmd lmdemr c`y y}obauume

ikd~adiadf, rayh"o`yme r`uakd`lm$

Y`bm `y N`ddam$ ?=- labau$ NC@ vall fr`du msimwuakdy ok~m ucay b`rh$Msimwuakd rmp}myuy rm wrkimyyme oq ucm j}rayeaiuakd`l

Ckbmkvdmrycaw Imdumr #CKI!$

Mlabad`uakd kn

Ywku Lk`d

@wwrk~`l

Wrkimyy

Dku mlabad`ume$ N`ddam B`m ikduad}my uk

`llkv Labaume Wrkjmiu _m~amvy kd

myu`olaycme ikdekbada}by$

Dku mlabad`ume$ Y`bm y N`ddam

B`m$

Mnnmiua~m ?+0+?707, NC@ dk lkdfmr knnmry ywku lk`d

`wwrk~`ly vcmrm ucm wrkjmiu c`y dku ommd wwrk~me$

_mymr~m Yu}eq Dku `wwlai`olm$ Dku `wwlai`olm$ NC@ rmp}army yu}eq uc`u ady}rmy emp}`um n}dey `rm

`~`al`olm nkr i`wau`l mswmdeau}rmy, wrmymr~`uakd de

b`adumd`dim kn bmdauamy$ Ucm yu}eq i`d om dk bkrm

uc`d ?5 bkducy kle$

V`a~mry N`ddam wwrk~my lmdemr rmp}myuy nkr

v`a~mry ad wwrkwra`um iari}byu`dimy$

Y`bm `y N`ddam$ NC@ vall ikdyaemr v`a~mr rmp}myuy uk auy ikdek wklaiamy$

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Ayy}m N`ddam B`m Nrmeeam B`i NC@

Nlkrae`

Myu`olaycme wrkjmiuy b`q om wwrk~me

}demr ucm Wrkjmiu Mlafaoalauq _m~amv

Ymr~aim #WM_Y! wrkimyy, Lmdemr N}ll

_m~amv, Labaume _m~amv, kr IWB

Mswmeaume _m~amv$ Dmv `de dmvlqikd~mrume wrkjmiuy ikdyayuadf kn uu`icme

}dauy rmp}arm wwrk~`l }demr ucm WM_Y

wrkimyy$ Lk`d"uk"~`l}m r`uaky emwmde kd

uqwm kn wrkjmiu wwrk~`l$

Ywmia`l @wwrk~`l emyafd`uakd adurke}ime

oq N`ddam B`m kd 0+6+?707 nkr

myu`olaycme ikdekbada}b wrkjmiuy uc`u

`rm kucmrvaym dku wwrk~`olm oq N`ddam

B`m yu`de`rey$

Uk p}`lanq nkr y`lm uk Nrmeeam B`i,

ikdek }dau bkruf`fmy ymi}rme oq

`uu`icme }dauy ad dmv ikdek

wrkjmiuy ad Nlkrae` b}yu om wwrk~me

ucrk}fc ucm N`ddam B`m Wrkjmiu

Mlafaoalauq _m~amv Ymr~aim #WM_Y!

wrkimyy$ Lkvmr lk`d"uk"~`l}m #LU^!

labauy wwlq #6=- nkr wrab`rq

rmyaemdimy8 67- nkr ymikde ckbmy!$

Wrkjmiuy b}yu }ym C]E _m~amv @wwrk~`l Wrkimyy #C_@W!$

Ad~myukr

Kvdmrycaw

Dk bkrm uc`d 07- kn ucm }dauy b`q om

kvdme oq `dq kdm ad~myukr$ Ucay ekmy

dku wwlq uk ucm em~mlkwadf mduauq ad

dmv ikdekbada}b e}radf ucm y`lmy

wrkimyy$

Y`bm `y N`ddam$ Dk bkrm uc`d 07- kn }dauy b`q om kvdme oq `dq kdm

ad~myukr$

Emladp}mdu CK@

E}my

Dk bkrm uc`d 0=- kn ucm uku`l }dauy i`d

om 97 e`qy kr bkrm w`yu e}m$ @wwlamy uk

dmv de myu`olaycme uu`icme ikdek

wrkjmiuy$

Y`bm `y N`ddam$ Dk bkrm uc`d 0=- kn uku`l }dauy b`q om ad `rrm`ry$

Md~arkdbmdu`l

_m~amvy

Dku `wwlai`olm$ Y`bm `y N`ddam$ Dku dmimyy`rq ad b`dq i`ymy$

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Ayy}m N`ddam B`m Nrmeeam B`i NC@

Ckuml+_mykru

Wrkjmiuy #Ikdek

Ckumly!

Ikdek kr ikkw ckumly rm dku mlafaolm nkr

nad`diadf$ @ ikdek kr ikkw ckuml ay `dq

wrkjmiu b`d`fme de kwmr`ume y ckuml

kr bkuml, m~md an ucm }dauy rm

adea~ae}`llq kvdme$ Wrkjmiuy vauc `dq kn

ucmym ic`r`iumrayuaiy rm admlafaolm: Wrkjmiuy vauc rmfayur`uakd ymr~aimy

`de e`alq rmdu`ly$

Wrkjmiuy uc`u rmyuraiu oalauq kn ucmkvdmr uk kii}wq ucm }dau$

Wrkjmiuy vauc d`bmy adil}eadfckuml kr bkuml$

Wrkjmiuy vauc b`de`ukrq rmdu`lwkkladf frmmbmduy$

Lmdemry b}yu yymyy wrkjmiuy nkr ucmym`de kucmr ic`r`iumrayuaiy$

Y`bm fmdmr`l wklaiq y N`ddam$

Ywmianai iraumra` rm eannmrmdu$

NC@ ekmy dku ady}rm ikdek ckumly$

Yk}rimy:

N`ddam B`m: Ymlladf F}aem, W`ru O, Y}ow`ru O5, ]demrvrauadf Wrkwmruq, Ic`wumr O5"?, Wrkjmiu Yu`de`rey$

Nrmeeam B`i: Nrmeeam B`i Yadflm"N`balq Ymllmr+Ymr~aimr F}aem, kl}bm 0, Ic`wumr 5?: Ywmia`l _mp}armbmduy nkr Ikdekbada}by #mnnmiua~m 0?+0+?70?! kr m`rlamr u

eayirmuakd kn ymllmr kn bkruf`fm uk Nrmeeam B`i!$ Bkyu wklaiamy ik~mrme ad ucay ic`ru rm lrm`eq ad mnnmiu }demr msayuadf Ic`wumr 5?$

NC@:cuuw:++vvv$c}e$fk~+knnaimy+`eb+c}eilawy+lmuumry+bkruf`fmm+nalmy+71"5>obl$wen

http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-46bml.pdfhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-46bml.pdfhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-46bml.pdfhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-46bml.pdf