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Client Services Terms and Official Agreement :

The authorized paying Client(s) hereby employs Mortgage Mediation Consultants, of El Paso, Texas, hereinafter referred to as MMC, to act as Client’s agent in assisting Client(s) with certain problems resulting from mortgage delinquency and/or foreclosure situations by attempting to negotiate a workout solution with Client(s) lender or mortgage holder, regarding Client(s) real property located at:

Address: Client affirms that this Information has been provided for in truth to MMC in written format.

It is understood that MMC will explore all reasonable options to assist Client(s) in maintaining ownership of Clients aforementioned property. MMC will negotiate on Client’s behalf and will, within a reasonable time period, advise Client(s) as to the availability of feasible solution(s). It is, however, the sole responsibility of the Client(s) to act on the advice and opportunities presented by MMC and to take the necessary steps to avoid the loss of Clients said property.

1. APPLICATION: Client(s) represents that the information given to MMC relative to the mortgage delinquency and/or foreclosure situation is complete and accurate including, but not limited to, such facts as Mortgagee's name, mortgage account number as well as the terms and status of the mortgage indebtedness and arrearages. Client(s) has fully represented and disclosed the existence of any and all mortgages (deeds of trust, mortgages and promissory notes), liens, bankruptcies, or judgments against Client(s) and/or said Clients property, past or present, as well as, Clients personal household income, assets and expenditures. Client(s) has also informed MMC of any other relevant facts which may affect MMC's ability to perform services hereunder. Client(s) understands the importance of his/her full cooperation and full disclosure to attempt to prevent the loss of said property. Resolutions can take the form of obtaining agreement from Client's lender or mortgage holder to reinstate Client's mortgage by recasting the loan, agreeing to an informal or formal forbearance agreement, loan extension, pre-foreclosure sale, deed in lieu of payment, rescinding a current foreclosure action against Client, or other legally binding financial agreement between Client and Client's lender or mortgage holder.

2. CHARGES: Client(s) shall pay to MMC the total fee of $950.00 as compensation for services performed in connection with his/her delinquent mortgage. Should MMC fail to affect a solution or alternative solution, as referenced herein, without Client(s) terminating this Agreement through Client(s) independent action, the total fee shall be refunded to Client(s). Client(s) fully understands and agrees that the total fee is earned if (1) there's a resolution of Client’s mortgage problem in effecting a solution, (2) there is use of an alternative solution with the utilization of outside legal counsel if needed or, (3) Client(s) terminates this Agreement prior to a workout solution produced by MMC. Client(s) fully understands and agrees that they shall not make any contact with said lender without written permission from MMC and should client start communicating and/or negotiating with lender at any time, in any way, this will be a breach of contract and therefore there will be no refund. Additionally, if MMC performs as hired and information given by Client(s) is incorrect and/or fraudulent and thus causes results not satisfactory to the intent of this Agreement then Client(s) agrees there will be no refund.

3. PAYMENTS MAINTAINED: It is understood and agreed that in order to effectively work on a solution(s) for the undersigned Client(s); it is important and necessary that Client(s) be able to afford said property. After a solution(s) to the mortgage delinquency and/or foreclosure problem has been recommended to Client(s) by MMC, such Client(s) shall make restitution with the lien holder(s) in a timely manner. Should however, Client(s) be unable and/or unwilling to make such restitution, it is hereby understood and agreed that there will be no refund. Should however, MMC negotiate and recommend a solution(s) and Client(s) fails or refuses to maintain payments on such solution, Client(s) hereby agrees to release, waive, and discharge MMC from any and all liability, claims, demands, actions, and causes of action in any way arising from or connected with said Clients failure or refusal to maintain said payments, and Client(s) hereby agrees to hold MMC harmless from any liability asserted by third parties as a result of Clients failure or refusal to maintain such payments. Client(s) hereby understands it is their sole responsibility to maintain such payments and MMC has no responsibility whatsoever to pay default mortgage payments, subsequent mortgage payments or otherwise.

4. GENERAL: Client(s) hereby agrees to provide documentation, cooperation and/or aid to MMC as MMC deems reasonably necessary. If Client(s) fails or refuses to provide such documentation, cooperation and/or aid to MMC, Client(s) hereby agrees there will be NO REFUND. Client(s) understands that MMC undertakes only to perform services to attempt to alleviate the aforementioned problems, and in no way undertakes to perform legal or other services. Should other professional services be recommended by MMC, it is the sole responsibility of the Client(s) to provide for said services and costs.

Liability of MMC under this agreement is strictly limited to funds received from Client under this agreement. Client's agrees to hold harmless and indemnify MMC and waives all other remedies including without limitation any other incidental or consequential damages arising from this Agreement. Client(s) agrees that any and all disputes will be settled using a third-party arbitrator from El Paso, Texas, chosen by Matthew Lopilato of MMC, and all associated fees for such arbitration will be paid by client(s). Texas law of arbitration will govern this process.

5. AUTHORIZATION & RESPONSIBILITY: Client(s) hereby authorizes MMC to furnish any and all information including, but not limited to MMC's "Financial Disclosure", any contractual debts, et cetera, to any agencies or individuals connected with Clients mortgage to aid MMC in representing Client(s). It is understood and agreed that in order to effectively work on a solution(s) for the undersigned Client(s); it is important and necessary that Client(s) be able to afford said property. Client(s) hereby state that they fully understand that MMC’s ability to correct subject mortgage difficulty relies, to a large part, upon their providing to MMC correct and fully accurate information and all required documentation as soon as possible. Also, Client(s) fully understand that MMC compiles such documentation provided, along with other information, into a foreclosure prevention/default resolution package that is submitted to program administrators for said administrators review. Client further understand that such foreclosure prevention/default resolution package cannot be submitted for review until all such documentation, required by said administrators, has been provided to MMC. Further, it has been explained by a MMC representative, that in order to facilitate Client(s) acceptance into a Mortgage Assistance Program that Client(s) as well, must do the following:

·         Save an amount of money equal to subject mortgage payment(s) plus save as much additional money as possible each and every month throughout the foreclosure prevention/default resolution process and until MMC’s involvement has been completed.

·         Keep open lines of communication between them and MMC and to return all phone calls received from MMC immediately. Client(s) further understand that if they receive any correspondence or phone calls from the mortgage lender and/or attorneys, and/or court departments, it is client(s) responsibility to contact and inform MMC immediately after receiving such phone call or written correspondence and, as well, to provide MMC a copy of all such written correspondence immediately.

Client is to provide the entire package listed below to MMC for work to begin.

1. Client Services Agreement has been read and is fully understood and agreed to by Proof of Payment

2. Authorization to Release Information Form

3. Escrow Deposit

4. Financial Statement and Disclosure

5. Hardship Letter – 1 page only - handwritten and signed

6. Supporting Hardship Documents

7. Payroll Stubs and/or Proof of Income verification Information for Last 60 days

8. Last Two Month’s Bank Statements

9. Two Years Federal Income Tax Returns

10. Mortgage Coupon Payment Stub or Lender Mortgage Statement

11. All recent Lender/Attorney/Sheriff Letters and Notices Received

DISCLAIMER: NOTICE OF RIGHT TO CANCEL: Client reserves the full legal right to cancel without reason or penalty anytime during the first 72 hours after payment was made. a FULL REFUND WILL BE PROMTLY ISSUED.

6. ENTIRE AGREEMENT ACKNOWLEDGMENT:
By purchasing these services using PayPal, Client(s) acknowledges paragraphs 1 through 6 have been read, understood and agreed to all elements of this entire agreement and this is to act as an official digital signature. Any amendments must be in writing and signed by both parties.