FREEHomeowners

Mortgage AssistanceEvent

Sponsored by the Offi ce of the Governor, the Offi ce of the Attorney General

and the Connecticut Department of Banking

Don’t miss this opportunity to meet one-on-one with your mortgage lender or a HUD-approved

housing counselor

Learn aboutForeclosure Prevention • Loan Modifi cations • Debt Management

Emergency Mortgage Assistance Program (EMAP) Federal Assistance Programs • Other Resources

See Back of Flyer for a List of Documents You Should Bring

For questions or to fi nd out if your mortgage lender is participating, call

860-240-8170 or 1-877-472-8313or visit

www.ct.gov/dob/homeowner.

Thursday, October 9, 201410:00 a.m. to 7:00 p.m.

Conference Center at CoCo Key3580 East Main Street, Waterbury, CT

Spppppppppppooooooooooooooooooonnnnnnnnnnnnnnnnsssssssssssoooooooooorrrrrrrrrrrrrrreeeeeeeeeeeeedddddddddddddddd bbbbbbbbbbbbbbbbyyyyyyyyyyyyyyyyyyyyyy ttttttttttttttttttthhhhhhhhhhhhhhhhheeeeeeeeeeeeeeeee OOOOOOOOOOOOOOOOOfffffffffffffififififififififififififififi cccccccccccccceeeeeeeeeeeee of the Govvvvvvvvvvvvvvveeeeeeeeeeeerrrrrrrrrrrrrnnnnnnnnnnnnnnnoooooooooooooorrrrrrrrrrrrr,,,,,, the OOOOOOOOOOOOOOOOOfffffffffffffffffififififififififififififififi ccccccccccccceeeeeeee oooooooooooooffffffffff ttttttttthhhhhhhhhhheeeeeeee AAAAAAAAAAAAAAAAtttttttttttttttttttttttttttoooooooooooorrney Geneeeeeeeeeeeeerrrrrrrrrrrrraaaaaaaaaaaaaaalllllllllllllll

aaaaaaaaaaaaaannnnnnnnnnnnnnnnnnnndddddddddddddddddddd tttttttttthhhhhhhhhhhhhhheeeeeeeeeee CCCCCCCCCCCCCCCoooooooooooonnnnnnnnnnnnnnnneeeeeeeecccccccccctttttttttttiiiiiiiiiicccccccccuuuuuuuuuuuuutttttt DDDDDDDDDDDDDDDDeeeeeeeeeeeeeeeeppppppppppppppaaaaaaaaaaaaaarrrrrrrttmmeennnnnnnnnnnnttttttttttttt ooooooooooooffffffffffffffff BBBBBBBBBBBBBaaaaaaaaaaaannnnnnnnnnnnnnkkkkkkkkkkkkkkiiiiiiiiiiiinnnnnnnnnnng

DDDDDDDDDDDDDDDDoonn’’’’’’’t misssssssssss ttttttthhhiiiss opportunity ttooooooo meeet onnnnnnnee-on-one wwwwwwiitttthhhhh yyoouur mmmmmmmooorrrrrrrtgaagge lenderr oorrr aaaaaaaaaaa HHHHHHHHHUUUDDDDD-aaaaaapppproved

houuussssinggggggggggg ccccccccccccccccooooooounnnssseeellloooorrr

LLLLLLLLLeeeeaaaaaaarrrrrrnnnnn aaaaaaabbbbbbbbooooouuuuuuuuutttttttttttFFFFFFFFFFFFFFFFFFoooooooorrrrrrrrrrreeeeeecclloooooooosssssssssuuuuuuuuuuuuuuuuurrrrrrrrrrreeeeeeeee PPPPPPPPPPrrrrrrrrrrreeeeeeeeeeeeeeevvvvvvvvveeeeeeeeeeennnnnnnnnnnnnttttttttiiiiiiiiioooooooonnnnnnn ••• LLLLLLLLLLLoooooaaaaaaaaaaannnnnnnn MMMMMooooooodddddiiiiififififififi cccccaaaaaaaaaatttttttttttiiiiiiiiiiioooooooooooonnnnnnnnnnnsssssssssss ••••••• DDDDDDDDDDDDDeeeeeeeeeeebt MMMMMMMMMMMMMMMaaaaaaaannnnnnaaaaaaggggggggeeeeeeeemmmmmmmmeeeennnnnnnnnnnntttttttttttt

EEEEEEEEEEEEEEEEEEmmmmmmmmmmmmeeerrrrggggggggggeennccyy MMMMMMMMMMMMMMMoooooooooorrrrrrrrrtttttttttttgggggggggggaaaaaaaaaaagggggggggggggeeeeeeee AAAAAAAAAsssiiiiisssssstttttttttttaaaaaaaannnnnnnnnccccccccceeeeeeeeee PPPPPPPPPPPrrrrrrrrrrooooooooooooggggggggggggggggrrrrrrrrrrrrrraaaaaaaaaaaaammmmmmmmm (EMMMMMMMMMMMMMAAAAAAAAAAAAAAAAPPPPPPP)))))))) FFFFFFFFFFFFFFFeeeeeeeeeeedddderaall AAssssiiiiiiiiissssssstttttttttaaaaaaaaaaannnnnnnnnnnccccccccccceeeeeeeeeee PPPPPPPPPPPPPrrrrrrrroooooooooogggggggggggrrrrrrrrrrrraaaaaaaaaaammmmmmmmmmmmmmsssssssssss ••••••••• OOOOOOOOOOOttttttttttthhhhhhhhhhhhhhhhhheeeeeeeeeeeerrrrrrrrrrrr RRRRRRRRRRRRRRRRessourrrrrrccccees

SSSSSSSSSSSSSSSSSSSeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee BBBBBBBBBBBaaaaaaaaaaaaaacccccccccccccccckkkkkkkkkkkkkkkkkkkk oooooooooooooooooofffffffffffffffffff FFFFFFFFFFFFFFFFllllllllllllyyyyyyyyyyyyeeeeeeeeeeeerrrrrrrrrr fffffffffffooooooooooorrrrrrrrrrr aaaa LLLLLLiiiiiiiiiiiiissssssssssssttttttttttttttt oooooooooooooooofffffffffffff DDDDDDDDDDDooooooocccccuuuuuummmmmmmmmmeeeeeeeeeennnnnnnnttttttttttttsssssssssssss YYYYYYYYYYYYYYoooooooooouuuuuuuuuuu SSSSSSSSSSSSSSSSShhhhhhhhhhhhhhhhhhhooooooooooooooooooouuuuuuuuuuuuuuuuuuullllllllllllllldddddddddddddddddddd BBBBBBBBBBBBBBBBBBBBrrrrrrrrrrrrriiiiiiiiiiiiiiiiiiinnnnnnnnnnnnnnnnnnnnggggggggggggggggggg

FFFoooorrrr qqqquuuuuuuuuuuuuuuuuueeeeeeeeeeeeeeeeeesssssssssssssssstttttttttttiiiiiiiiiiooooooooooonnnnnnnnnnnnssssssssss oooooooooooooooooooooooorrrrrrrrrrrrrrrrrrrrr ttttttttttttttooooooooooooooo fififififififififififififififi nnnnnnnnnnnnddddddddd oooooooouuuuuuuuuttttttt iiiiiiiiiiffffffffffffffffff yyyyyyyyyyyooooooooouuuuuuuuuuuuuuuuurrrrrr mmmmmmmmmmmmmmmmmmmooooooooooooorrrrrrrrrrrrrrrrttttttttttttgggggggggggggggggggaaaaaaaaaaaaaggggggggggggggeeeeeeeeeeeee lllllllllllllllleeeeeeeeeeeennnnnnnnnnnnnnnnnddddddddddddeeeeeeeerrrrrrrrr iiiiiiiiiiiiissssssss ppppppppppppppppaaaaaaaaaaaaaaaarrrrrrrrrttttttttttttiiiiiiiiicccccciiiiiiiiiiiippppppppppppppaaaaaaaaaaaaaaaattttttttttttttiiiiiiiiiiiiinnnnnnnnnnnnnnnnnnnnnnnnnnnggggggggggggggggggggggggg,,,,,,,,, ccccccccccccccccaaaaaaaaaaaaaaaaaalllllllllllllllllllllllllllll

8888888888888888888866666666666666666666000000000000000000000----222222222222222244444444444444444000000000000000000------8888888888888888881111111111111111117777777777777777770000000000000000000 oooooooooooooooooorrrrrrrrrrr 111111111111111------88888888888888887777777777777777777777777777-------------4444444444444447777777777777222222222222222222222222-----88888888888888888333333333333333311111111111133333333333333ooooooooooooooorrrrrrr vvvvvvvvvvvvviiiiiisssssssssssssiiiiiiiiiiiiiiiitttttttttttttt

wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww.......ccccccccccccccttttttttt.....ggggggggggggggoooooooooooooooovvvvvvvvvvvvvv///////////ddddddddddddddddooooooooooooooobbbbbbbbbbbbbbb/////////////hhhhhhhhhooooooooooommmmmmmmmmmmmmeeeeeeeeeoooooowwwwwwnnnnnnnnnnneeeeer...

TTTTTTTTTTThhhhhhhurrrrrrrrrrssssssdddddddaaaaaaaaayyyyyyyyyyy,,,, OOOOOOOOOOOOcccccccccctttttttttttoooobbbbbbbbbeeeeeerr 999,,, 222222222220000000001111111114444444441111111111000000000::::::0000000000000000 aaaaaaaaaaa...mmmmmmmmmm....... tttttttttooooooooo 77777777::00000 ppp..mmmmmmmmmmm........

CCCCCCCCCCCooooooooonnnnnnnnnnfffffffffeeeeeeeerrrrreeeennnccceee CCCeeennnnttteeeeeeerrrrrrr aaaaaaaatttttttt CCCCCCCCoooooooooCCCCCCoooooo KKKKKKKKeeeeeeeeeeeyyyyyyyyyyy33555588880000000 EEEEEEEEaaaaaaaaassssssstttttttt MMMMMMMMMaaiiiiiinnnnnn SSSSStttttrrrrreeeeeeeeeettttt, WWWWWaterbburryyy, CCCTTT

DirectionsConference Center at CoCo Key3580 East Main Street, Waterbury, CT 06705

What to Bring:Most recently fi led and signed federal tax return with all schedules, including Schedule E-Supplemental Income and Loss, ●and attachments including W2s.Three most recent statements (all pages) for every bank, investment, and retirement account. ●Most recent statement for every department store/credit card, auto/student loan, and other mortgages/liens. ●A form of state-issued identifi cation, such as a driver’s license. ●A recent utility bill with your name and property address to show proof of residency. ●Signed and dated Hardship Letter detailing why it is diffi cult for you to make your mortgage payments. ●List of all household monthly income and expenses (actual expense monthly statement). ●A copy of your Homeowners Insurance Declaration Page and Real Estate Property Tax Certifi cation (tax bill). ●For each salaried borrower: ● A month’s worth of the most recent paystubs (within 30 days of the event).For each self-employed borrower: ● Most recent quarterly or year-to-date profi t/loss statement stating three months of business bank statements. For each borrower with income such as Social Security, disability or death benefi ts, pension, adoption assistance, public ●assistance, food stamps, or unemployment: Benefi ts statement or Award Letter from provider, proof that you receive unemployment wages for a minimum of 12 months.For each borrower relying on alimony or child support as qualifying income: ● Divorce or other court decree, or separation agreement or other written agreement fi led with the court stating amount and period of time it will be received, and three most recent bank statements showing receipt of such payment.For borrowers relying on rental income: ● A complete schedule of real estate that you own, including the monthly payment amount for principle and interest, the amount of taxes and insurance/escrowed, and any homeowner association dues, current Lease Agreement(s) in its entirety, signed and dated, and three months of bank statements showing deposit of payment or cancelled checks showing receipt of payment.For borrowers with income from other source(s) that amount to more than 20% of your total yearly income ● (this could include bonuses, tips or investment income, and letters regarding contribution to mortgage payments): Copy of documentation describing the nature of the income (employment contract or tip income).For borrowers that belong to a Homeowners Association: ● A copy of a current bill or assessment.

*Th e Request for Modifi cation and Affi davit Form (RMA) which includes an income/expense/asset form, the IRS Forms 4506-T and 4506-EZ, and the Dodd-Frank certifi cation form are available at www.ct.gov/dob/homeowner.

From Points West: Take I-84 East to exit 25A (Austin Road). Take a LEFT off the exit and follow for ¼ mile, turn RIGHT at light onto East Main Street. The Conference Center at CoCo Key will be on the RIGHT.

From Points East: Take I-84 West to Exit 26 (Cheshire/Prospect). Take a RIGHT off the exit and follow ¾ mile. The Conference Center at CoCo Key will be on the LEFT.

From Points North (Rt. 8): Take Route 8 South to Exit 31 (I-84 East). Take I-84 East to Exit 25A (Austin Road). Take a LEFT off the exit and follow for ¼ mile, turn RIGHT at light onto East Main Street. The Conference Center at CoCo Key will be on the RIGHT.

From Points North (I-91): Take I-91 South to Exit 32A/B (I-84 West, Waterbury). Take I-84 West to Exit 26 (Cheshire/Prospect). Take a RIGHT off the exit and follow ¾ mile. The Conference Center at CoCo Key will be on the LEFT.

From Points South (Rt. 8): Take Route 8 North to Exit 31 (I-84 East) and take I-84 East to Exit 25A (Austin Road). Take a LEFT off the exit and follow for ¼ mile, turn RIGHT at light onto East Main Street. The Conference Center at CoCo Key will be on the RIGHT.

From Points South (I-95): Take I-95 North to Exit 27A (Rt. 8 North) and follow 30 miles. Take Exit 31 (I-84 East) and take I-84 East to Exit 25A (Austin Road). Take a LEFT off the exit and follow for ¼ mile, turn RIGHT at light onto East Main Street. The Conference Center at CoCo Key will be on the RIGHT.

From Points South (Rt. 15): Take Route 15 North to Exit 52 (Rt. 8 North) and follow 24 miles. Take Exit 31 (I-84 East) and take I-84 East to Exit 25A (Austin Road). Take a LEFT off the exit and follow for ¼ mile, turn RIGHT at light onto East Main Street. The Conference Center at CoCo Key will be on the RIGHT.

By Bus: CTTRANSIT New Haven runs a bus on the Waterbury - Whitney Avenue - New Haven line which stops near the Conference Center at CoCo Key. Call CTTRANSIT (203-624-0151) for bus information and schedules.