Practice Tools

This is a sample letter to a reverse mortgage lender asking for more time to respond to a repayment plan because of cognitive disabilities, as a reasonable accommodation of her disabilities under the Fair Housing Act.

This is a HUD form to initiate a housing discrimination complaint.  It can be used where discrimination is based on disability.

This is a sample notice of error and request for information drafted on behalf of a homeowner (pursuant to RESPA regulations).  The notice asks the reverse mortgage lender to reinstate a payment plan as an accommodation for the homeowner’s disability because the homeowner with a hearing impairment heard the wrong payment amount.  The notice also asks for various information about the loan, the repayment agreement, payments made by the lender for the homeowner, and communication and servicing logs.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though the homeowner executed a deed-in-lieu of foreclosure. The homeowner also requests information regarding the deed-in-lieu, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is requiring the homeowner to be conserved in order to renew her At-Risk Extension and avoid foreclosure and in refusing to recognize her durable power-of attorney.  The homeowner also requests information regarding the At-Risk Extension, her power of attorney, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly cancelled the homeowner’s repayment plan even though she was current on her monthly payments and had reached an agreement with the city to pay her current real estate taxes in installments.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though it agreed to a repayment plan to pay back property charges and has accepted repayment plan payments.  The lender also keeps paying property taxes before they are delinquent. The homeowner also requests information regarding repayment agreements, documents from the prior servicer, payment history, communications, the servicing file and logs, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly told the homeowner she violated her repayment plan based on her even though they were not delinquent or in violation of the plan.   The homeowner also requests information regarding repayment agreements, documents from the prior servicer, payment history, communications, the servicing file and logs, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly denied the homeowner a repayment plan. It miscalculated surplus income and wrongly claimed that HUD only allows a repayment plan payment amount between 25% and 55% of surplus income.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The homeowner with a reverse mortgage executed a deed-in-lieu of foreclosure but the lender is still foreclosing on the home. The homeowner also requests information regarding the deed-in-lieu, appraisals, communications, and other items.