PRE-APPROVAL INTAKE FORM

Transcription

1 PRE-APPROVAL INTAKE FORM Agent: Date: Source: Borrower Name: Co-Borrower Name: Property Address: City: State: Zip: Home #: Cell #: Work #: Who is your lender?: Best Ctact Time: Have you received Notice Of Trustee sale date? If so, when?: Are you behind your mortgage payments? Yes No If yes, how many mths late? Has your property wrgfully foreclosed? Yes No Are you currently in bankruptcy? Yes No Are you in a loan modificati, or have you applied? If so, what is the status?: Were you denied for a loan modificati? Yes No Was your loan modificati terminated from an existing trial program? Yes No When was your loan obtained & for how much? Date (mm/yy): Amount: $ What was your actual gross (before taxes) yearly income when you took the loan? Do you have a secd mortgage? Yes No Secd Lender Name: Secd Loan Amount: $ Do you have an interest ly type of loan? Yes No Do you have a high interest loan? Yes No Do you have an adjustable rate type of mortgage? Yes No Last date it adjusted? (mm/yy): Amount Of Increase: Do you have sufficient income to pay for the increase? Yes No Is your loan a pick-a-payment / negative amortizati type of loan? Yes No If yes, was negative amortizati* explained to you? Yes No Is your loan an 80/20 type of loan? Yes No Is your loan based stated income? Yes No Does your loan have a prepayment penalty? Yes No Does your loan have a ballo payment at the end? Yes No Did you receive your loan either because your income or property value was inflated? Yes No Was a broker used to obtain the loan? Yes No If yes, were you pressured by the broker to take this loan? Yes No State other lender malfeasance that could be a cause of acti: Borrower Signature Date Co-Borrower Signature Date *Negative Amortizati occurs when loan payment for any period is less than the interest charged over that period and that the shorted amount (difference between interest and repayment) is then added to the total amount owed to the lender increasing the outstanding balance of the loan. "#$&'()*+,)"-.#/ &789':2827(8;)7<27#*)=>+99#/012:#7:7#?7@A5B6C4564*8076"D6

2 SUBMISSION CHECKLIST CLIENT INFORMATION Borrower Name: Date: Property Address: City: State: Zip: Mass Tort: CW/BofA Wells Fargo Chase-MT OneWest GMAC HSBC Citi Ally Individual: PACKAGE 1 DOCUMENT CHECKLIST 1. Pre-Approval Intake Form (signed) Notes: 2. Client & Property Informati (signed) Notes: 3. Retainer Agreement (signed) Notes: 4. Letter Of Authorizati (signed) Notes: 5. Retainer Fee Payment Authorizati (signed) Notes: 6. Mthly Fee Authorizati (signed) Notes: 7. Mortgage Statement (copy) Notes: 8. Mortgage Note (copy) (if possible) Notes: 9. Trust Deed (copy) (if possible) Notes: Additial Notes/Comments: "#$&'()*))"+,#-./012342&567'80605(69)5:05#;)<=>77#-./08#585#?5@A3B4C2342;6.54"D4

3 CLIENT & PROPERTY INFORMATION CLIENT INFORMATION Borrower Name: DOB: SSN: Home #: Cell #: Work #: Employer: Length Of Employment: Annual Gross Income: Co-Borrower Name: DOB: SSN: Home #: Cell #: Work #: Employer: Length Of Employment: Annual Gross Income: PROPERTY & MORTGAGE INFORMATION Property Address: City: State: Zip: Mailing Address (If Different): City: State: Zip: Primary Lender/Servicer: Loan#: Payment Amount: $ Interest Rate: Balance Owed: $ Secd Lender/Servicer: Loan #: Payment Amount: $ Interest Rate: Balance Owed: $ Borrower Signature Date Co-Borrower Signature Date "#$&'())*+,)"-.#/ &789':2827(8;)7<27#+)=>?99#/012:#7:7#@7AB5C6D "E6

4 ATTORNEY-CLIENT FEE AGREEMENT REAL ESTATE LAW CENTER, P.C. ( RELC ) and ( Client ) hereby agree that Firm will provide legal services to Client the terms set forth below. 1. CONDITIONS. This Agreement will not take effect, and RELC will have no obligati to provide legal services, until Client returns a signed copy of this Agreement and pays at least part of the retainer fee in part 4. Client is the mortgage borrower of a residential property listed at the end of this agreement 2. SCOPE OF SERVICES. Client is hiring RELC to represent client in LITIGATION AGAINST THEIR MORTGAGE LENDER CONCERNING THEIR REAL ESTATE PROPERTY. RELC will take reasable steps to represent Client. Client can access case updates the Los Angeles Superior court website and the RELC s website. Client understands that any suit will be filed in California Superior Court or Federal Court in California. Even if client resides outside of California they agree to and request that the acti be filed in California. RELC will represent Client through trial and post-trial motis. This Agreement does not cover representati appeal or in executi proceedings after judgment. Separate arrangements must be agreed to for those services. Services in any matter not described above will require a separate written agreement. RELC ly maintains attorneys admitted to the California Bar and ly practice in the State of California and that client retains attorney to litigate and represent client in a California acti. 3. CLIENT S DUTIES. Client will provide RELC a copy of their initial loan documents, any loan modificati correspdence, mortgage note, trust deed and copy of mortgage statement and any other documents requested by the RELC. Should client not have a copy of their loan documents, they can proceed as lg as the other documents demstrate the wrg incurred. Client agrees to be truthful with RELC, to cooperate, to keep RELC informed of any informati or developments which may come to Client s attenti, to abide by this Agreement, to pay Attorney s fees time, and to keep RELC advised of Client s address, telephe number and whereabouts. Client will assist RELC in providing necessary informati and documents and will appear when necessary at legal proceedings. 4. ATTORNEY S FEES. Client agrees to pay RELC a NON REFUNDABLE e-time retainer fee of $ 5, As per Rule of Professial Cduct (D)(2), T&R Foods vs. Rose (1996) 47 CalAp.4 th Supp.17, Matthew vs. State Bar (1989) 49 CAL.3D 784; Baranowski vs. State Bar (1979) 24 Cal.3d 153, 164 n. 4, this retainer fee is a True retainer to ensure and engage the availability of RELC for this legal matter(s) set forth herein to ensure and guarantee RELC working and litigating such matters exclusively. Client agrees and acknowledges that this fee is fully earned up receipt. Client understands that their case will ly be reviewed and prepared but NOT FILED UNTIL THE ENTIRE RETAINER FEE IS PAID. Should Client not pay the balance of a retainer, NO REFUND OR CREDIT will be owed since the actual time and effort spent the file and the time and effort that could have been spent towards other files would be lost. In fact the balance of the retainer will still be owed and RELC can use all legal remedies to obtain the balance it sees fit. In additi to the retainer, a mthly maintenance fee of $29.95 will be assessed. The mthly maintenance fee will be required for as many mths as the matter shall ctinue. This fee covers but not be limited to incidental costs such as depositi fees, copying, fax, telephe, administrative costs, travel, expert witness, trial costs, postage and other standard costs. Client is not liable for any fees except those stated above unless awarded or approved by the court. For any other fees, RELC will seek to recover from the court, opposing counsel, opposing party or from the settlement process. Other than the retainer fee of $5, and the mthly maintenance fee of $29.95, there will be no other fees owed to the RELC. In cnecti with any litigati of the matter, Client agrees that RELC may charge a ctingency fee of 30 of any metary recovery obtained from any source. A metary recovery is an amount paid by the defendant or any party to plaintiff through a judgment or settlement. It is NOT a savings from a principal balance or interest rate reducti. Should Client s payment by either check or credit card be returned for any reas, an additial check/credit card return fee of $50.00 will apply. Additially, RELC will suspend further efforts behalf of client and will seek withdrawal of representati as listed in paragraph 5 should the Client not rectify the situati within 10 days. 5. DISCHARGE AND WITHDRAWAL. Client may discharge RELC at any time. RELC may withdraw with Client s csent or for good cause. Good cause includes Client s breach of this Agreement, refusal to cooperate or to follow RELC s advice a material matter or any fact or circumstance that would render RELC s ctinuing representati unlawful or unethical. Once a withdrawal occurs, RELC will not provide any service unless another retainer is signed specifying the service being provided. Failure the part of the Client to fully pay the retainer fee shall authorize the RELC to suspend further efforts behalf of the Client until such time as the fee is fully paid. Should a dispute arise, client understands that RELC bills an hourly rate as follows: $ for paralegals, $ for associate and ctracted attorneys and $ for lead attorney. However, other than for disputes, RELC will not provide a bill for services. Client authorizes RELC to record the initial compliance call and to allow its use in disputes ly. Client Initials "#$&'()*)*)"+,#-./012342&567'80605(69)5:05#;)<=*77#-./08#585#>5?@3A4B2342;6.54"C2

5 6. DISCLAIMER OF GUARANTEE AND ESTIMATES. Nothing in this Agreement and nothing in RELC s statements to Client will be cstrued as a promise or guarantee about the outcome of the matter. Although we believe the merits of the case are strg, there is no guarantee a judge or jury will agree. There is always a chance that a lawsuit will not produce the desired results. 7. ENTIRE AGREEMENT. Client agrees that this agreement ctains the entire agreement of the parties. No other agreement, statement, warranty, representati, or promise by RELC or its agents will be binding the parties unless they are ctained in this agreement. Any changes or amendments of this agreement must be made in writing and signed by both parties. 8. SEVERABILITY IN EVENT OF PARTIAL INVALIDITY. If any provisi of this Agreement is held in whole or in part to be unenforceable for any reas, the remainder of that provisi and of the entire Agreement will be severable and remain in effect. 9. MODIFICATION BY SUBSEQUENT AGREEMENT. This Agreement may be modified by subsequent agreement of the parties ly by an instrument in writing signed by both of them, or an oral agreement ly to the extent that the parties carry it out. 10. ASSOCIATION WITH THIRD PARTY ATTORNEYS & SERVICERS. RELC and Chad Pratt are the ly firm and attorney respsible for this retainer. Pursuant to California Rule of Professial Cduct 2-200, Client understands that there will be a divisi of fees between RELC and Pinnacle Law Center, PC (PLC) whereby RELC receives 20 and PLC receives 80, and client agrees to the said divisi. PLC is a separate law firm not related to RELC. Client is not retaining PLC nor is PLC a litigati firm. PLC is ly involved in referring clients to RELC. Client also acknowledges and agrees that RELC may employ servicing agencies to assist RELC in the performance of its services behalf of the Client. Agents employed by the servicing agencies may be assigned to communicate with the Client to facilitate the timely and proper handling of the Client s case. Employees of these law firms or servicing agencies unless attorneys are not allowed to provide any legal advice to the Client. Any questis requiring the giving of legal advice should be ed or directed to an attorney ly. 11. ADVERSE INTEREST. Because of the nature of mass tort lawsuits, there may be rare instances where plaintiff s case or facts may cflict with others. Client understands that this may occur and client csents to RELC s ctinued representati regardless of the potential cflict pursuant to of the California Rules of Professial Cduct. 12. VENUE & CHOICE OF LAW. The agreement shall be governed in accordance with the laws of the State of California. Venue shall be Los Angeles County. 13. MALPRACTICE INSURANCE. Pursuant to California Rule of Professial Cduct 3-410, the RELC hereby informs Client that it does not carry errors and omissi or professial liability insurance. Client Acknowledgement(s) THE PARTIES HAVE READ AND UNDERSTOOD THE FOREGOING TERMS AND AGREE TO THEM AS OF THE DATE CLIENT SIGNS THIS AGREEMENT. IF MORE THAN ONE CLIENT SIGNS BELOW, EACH AGREES TO BE LIABLE, JOINTLY AND SEVERALLY, FOR ALL OBLIGATIONS UNDER THIS AGREEMENT. Property Address: City: State: Zip: Borrower Name Borrower Signature Date Co-Borrower Name Co-Borrower Signature Date Real Estate Law Center PC. Chad Pratt, Esq Date "#$&'()*)*)"+,#-./012342&567'80605(69)5:05#;)<=*77#-./08#585#>5?@3A4B2342;6.52"C2

6 LETTER OF AUTHORIZATION LOAN & BORROWER INFORMATION Lender: Loan: Borrower Name: Co-Borrower Name: SSN: SSN: Property Address: City: State: Zip: Mailing Address (If Different): City: State: Zip: To whom it may ccern: This letter is to serve as my written authorizati that I, the mortgagor(s) the above referenced property, do hereby grant Chad Pratt, of the Real Estate Law Center permissi to discuss all current and future matters related to my mortgage. This authorizati is effective from the date this authorizati is signed and remains valid for the next 180 csecutive days. Any reproducti of this Letter of Authorizati made by reliable means (for example, photocopy or facsimile) is csidered original. Borrower Signature Date Co-Borrower Signature Date

7 E-CHECK PAYMENT AUTHORIZATION FORM Name On Account: Phe #: Address: City: State: Zip: Bank Name: Routing # (9 Digits): Account #: I hereby authorize Real Estate Law Center PC. to charge the checking account above a reoccurring mthly maintenance fee in the amount of $29.95 the day of each mth. This fee is required for an many mths as the lawsuit shall ctinue. All returned checks will result in a $49 penalty fee. Card Holder Signature Date "#$&'()')*+",)#-.$/012345,4&678'92726(7:)6;26$*)<=+88$/0129$696$>6?@5A,B45,4*706,#C,

8 E-CHECK PAYMENT AUTHORIZATION FORM Name On Account: Phe #: Address: City: State: Zip: Bank Name: Routing # (9 Digits): Account #: 1 st Payment 2 nd Payment I hereby authorize Real Estate Law Center PC. to charge the checking account above a reoccurring mthly maintenance fee in the amount of $29.95 the day of each mth. This fee is required for an many mths as the lawsuit shall ctinue. All returned checks will result in a $49 penalty fee. Card Holder Signature Date "#$&'()')*+",)#-.$/0123,45,&678'92726(7:)6;26$*)<=+88$/0129$696$>6?@4A5B,45,*7065#C5

9 E-CHECK PAYMENT AUTHORIZATION FORM Name On Account: Phe #: Address: City: State: Zip: Bank Name: Routing # (9 Digits): Account #: 1 st Payment 2 nd Payment 3 rd Payment I hereby authorize Real Estate Law Center PC. to charge the checking account above a reoccurring mthly maintenance fee in the amount of $29.95 the day of each mth. This fee is required for an many mths as the lawsuit shall ctinue. All returned checks will result in a $49 penalty fee. Card Holder Signature Date "#$&'()')*+,)"-.#/ &789':2827(8;)7<27#*)=>+99#/012:#7:7#?7@A5B6C4564*8076"D6

10 E-CHECK PAYMENT AUTHORIZATION FORM Name On Account: Phe #: Address: City: State: Zip: Bank Name: Routing # (9 Digits): Account #: 1 st Payment 2 nd Payment 3 rd Payment 4 th Payment I hereby authorize Real Estate Law Center PC. to charge the checking account above a reoccurring mthly maintenance fee in the amount of $29.95 the day of each mth. This fee is required for an many mths as the lawsuit shall ctinue. All returned checks will result in a $49 penalty fee. Card Holder Signature Date "#$&'()')*+,)"-.#/ &789':2827(8;)7<27#*)=>+99#/012:#7:7#?7@A5B6,4564*8076"C6

11 CREDIT CARD PAYMENT AUTHORIZATION FORM Name On Card: Phe #: Billing Address: City: State: Zip: Card Type: Visa MC Discover Card #: Exp: Security Code: I hereby authorize Real Estate Law Center PC. to charge the credit card account above in the amount of $ I hereby authorize Real Estate Law Center PC. to charge the credit card account above a reoccurring mthly maintenance fee in the amount of $29.95 the day of each mth. This fee is required for as many mths as the lawsuit shall ctinue. Card Holder Signature Date "#$&'()))*)"+,#-./012342&567'80605(69)5:05#;)<=*77#-./08#585#>5?@3A4B2342;6.54"C4