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Revised – September 4, 2008

ELIGIBILITY

• Minimum of 12 months elapsed since loan origination date.

• The mortgagor must be 61 days delinquent (3 full payments due and unpaid) or

more.

• Default due to a verifiable loss of income or increase in living expenses.

• The Loan Modification mortgage must remain in first lien position.

• Loan may not be in foreclosure when executed.

• Owner-occupant, committed to occupying property as primary residence.

• Mortgagor has stabilized surplus income sufficient to support the Loan Modification

mortgage.

• Does not have another FHA-insured mortgage.