MORTGAGE LOAN STATEMENT

RETURN SERVICE ONLY

PLEASE DO NOT SEND MAIL TO THIS ADDRESS
P.O. BOX 619063
DALLAS, TX 75261-9063

CONTACT INFORMATION
Customer Service: 1-888-480-2432
Monday - Thursday; 8 a.m. - 8 p.m. CT
Friday; 8 a.m. - 6 p.m. CT and Saturday; 8 a.m. - 2 p.m. CT
MyNationstar.com

2-692-79484-0027918-001-000-000-000-000

Statement Date:

GREG BECHTLE
KATHY BECHTLE
PO BOX 1383
OREGON CITY OR 97045-0098

12/19/2016

Loan Number:
Payment Due Date:

0619237076
01/01/2017

Amount Due:

$1,835.97

If payment is received on or after 01/17/17; $70.42 late fee will be charged.

Property Address:
311 LAWTON RD
OREGON CITY OR 97045

Account Information

Explanation of Amount Due

Interest Bearing Principal Balance

Non-Interest Bearing Principal Balance
Interest Rate
Escrow Balance

$247,543.93
$10,526.65
5.000%
$810.24

The Principal Balance does not represent the payoff amount of your account and is not to be used for payoff
purposes.

Lender Paid Expense Summary

$376.95
$1,031.43
$357.17
$0.00
$1,765.55
$70.42
$0.00
$0.00
$1,835.97

Past Payment Breakdown

Activity Since
Last Statement
$0.00
$0.00
$0.00
$0.00

Legal Fees
Property Inspections
Maintenance
Total

Principal
Interest
Escrow Amount (for Taxes & Insurance)
Optional Products and Services
Regular Monthly Payment
Total Fees and Charges
Overdue Payment(s)
Partial Payment (Unapplied)
Total Amount Due

Total
$95.56
$160.00
$12.00
$267.56

Principal
Interest
Escrow (Taxes & Insurance)
Optional Insurance
Fees and Charges
Lender Paid Expenses
Partial Payment (Unapplied)
Total

Payments Recd
since 11/16/2016
$375.38
$1,033.00
$357.17
$0.00
$0.00
$0.00
$0.00
$1,765.55

Paid Year
to Date
$4,403.18
$12,497.38
$4,242.82
$0.00
$0.00
$0.00
$0.00
$21,143.38

$100 to repair or replace your heating system refrigerator clothes washer? See how the enclosed offer helps keep
your budget and home intact when things break down.
Transaction Activity (11/16/2016 to 12/19/2016)
Date

Description

12/16/2016

Payment

Total

Principal

Interest

Escrow

$1,765.55

$375.38

$1,033.00

$357.17

Important Messages

Other

(See Reverse side for Additional Critical Notices)

Dont gamble with your hard-earned money. Enjoy the reliability and support of a home service plan that covers the most crucial items in your
home when they break down. Read the enclosed information to see how $100 can repair or replace the systems and appliances you use every day.
"Lender Paid Expenses" are funds paid by Nationstar on your behalf to another company. These expenses may include, but are not limited to, Legal
Fees, Property Taxes, Homeowners Insurance, and Property Inspections.
Total Fees & Charges include, but are not limited to, phone pay fees, insufficient fund fees, or convenience fees. These fees & charges appear in the
Other category of the Transaction Detail, if applied since the last billing cycle.
You can make your payment online at MyNationstar.com. There is no charge for this service if you schedule your payment within 9 days past your
due date.
Nationstar is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you are
currently in bankruptcy or have received a discharge in bankruptcy, this communication is not an attempt to collect a debt from you personally to the
extent that it is included in your bankruptcy or has been discharged, but is provided for informational purposes only.
DETACH HERE AND RETURN WITH YOUR PAYMENT. PLEASE ALLOW A MINIMUM OF 7 TO 10 DAYS FOR POSTAL DELIVERY

ACCOUNT NUMBER
0619237076

MyNationstar.com
PLEASE CHECK BOX IF MAILING ADDRESS OR
PHONE NUMBER HAS CHANGED. ENTER
CHANGES ON BACK OF COUPON.

GREG BECHTLE
KATHY BECHTLE

TOTAL AMOUNT DUE*

01/01/2017
$1,835.97

WRITE YOUR LOAN NUMBER ON YOUR PAYMENT DUE IF RECEIVED ON OR AFTER

CHECK OR MONEY ORDER AND MAKE
01/17/2017
$1,906.39
PAYABLE TO NATIONSTAR MORTGAGE*.

NATIONSTAR MORTGAGE
PO BOX 650783
DALLAS, TX 75265-0783

ADDITIONAL ESCROW

$_____________

**ADDITIONAL PRINCIPAL

$_____________

TOTAL AMOUNT OF YOUR CHECK

DO NOT SEND CASH
**All amounts must be paid in full before additional principal reduction can be made.

06192370760 000183597

000190639

Perf Page
IMPORTANT PAYMENT INFORMATION

SERVICEMEMBERS CIVIL RELIEF ACT

It is important to use the remittance stub and envelope provided since

The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military who have been called to active duty. If
you are a member of the military who has been called to active duty or received a Permanent Change of Station order and you have not already
made us aware, please forward a copy of your orders to us at: Nationstar Mortgage LLC, Attn: Military Families, P.O.Box 619098, Dallas, TX
75261-9741, fax 855-856-0427 or email MilitaryFamilies@nationstarmail.com. Be sure to include your loan number with the copy of the
orders.

both contain computer encoding that will help ensure prompt and
accurate posting of payments. Always include your loan number on your
check or money order. However, should you not receive your statement,
DO NOT DELAY PAYMENT, simply write your loan number on your
check or money order and mail to the payment address as provided in the
Contact Information section below.

Please visit our website at MyNationstar.com for complete details regarding Legal Rights and Protections Under the SCRA.

Do

not send cash or correspondence as this could delay processing.

Correspondence should be sent to the address provided in the Contact
Information section below.

Please be advised that if your account is delinquent or if there are fees and
charges due, your account may not be paid ahead nor may principal
reduction payments be applied. When Nationstar Mortgage receives a
remittance that is in excess of a payment amount, that excess is applied to
your account in accordance with a predetermined sequence: 1) Principal
and Interest due; 2) Applicable Escrow amounts; 3) Fees and other
charges assessed to your account. Once this sequence has been satisfied,
you may give specific instructions as to how you would like excess
amounts to be applied to your account by noting your preference on the
face of your remittance stub.

Any lump sum received that is not accompanied by a payoff quote will be
applied according to our standard payment application rules. This will not
result in satisfaction and reconveyance/release unless amount tendered
satisfies all amounts due and owing on the account.

A Schedule of Fee for Select Services may be found on our website

at

LATE CHARGES AND OVERDRAFT FEES

Payments received and posted after a grace period will be assessed a late charge. The late charge rate and number of grace days are shown on
your Note. Please allow adequate time for postal delays as the receipt and posting date will govern the assessment of a late charge. Partial
payments cannot be applied. If a payment is credited to your account and subsequently dishonored by your bank, Nationstar Mortgage will
reverse that payment and assess your loan account an insufficient funds fee of up to $30.00, as permitted by applicable law. (This fee may vary
by state.)
HOMEOWNER COUNSELING NOTICE
If your loan is delinquent, you are entitled to receive homeownership counseling form an agency approved by the United States Department of
Housing and Urban Development (HUD). A list of the HUD-approved, nonprofit homeownership counseling agencies may be downloaded
from the Internet at: http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfmor by calling the HUD toll free number 1-800-569-4287 (toll free
TDD number 1-800-877-8339) to obtain a list of approved nonprofit agencies serving your residential area.
NEW YORK STATE RESIDENTS
For those customers who reside in the state of New York, borrower may file complaints about the Servicer with the New York State Banking
Department or may obtain further information by calling the Departments Consumer Help Unit at 1-800-342-3736 or by visiting the
Departments website at www.dfs.ny.gov. Nationstar Mortgage LLC is registered with the New York Superintendent of Banks.

MyNationstar.com.

Nationstar Mortgage may report your account to the major credit bureaus. Late or missed payments and other defaults on your account may reflect on your credit report which can impact
your ability to obtain other forms of credit.

PAYMENT OPTIONS
Auto-Pay allows you to have your payment automatically debited, each month, from the checking or savings account of your choice. Nationstar Mortgage does not charge a
fee to activate this service. Call 1-888-480-2432 for more information or visit our website atMyNationstar.com.

Online Payment allows you to log on to your account anytime to make a payment. There is no charge for this service. Log ontoMyNationstar.com.
Speed-Pay is a pay-by-phone service, which allows you to select the payment processing date. Call 1-888-480-2432. Have your checkbook available to refer to when
making your Speed-Pay payment. There will be a fee up to $19 for this optional service.

Payment by Mail Detach the coupon provided with this statement and mail it with your check or money order in the envelope provided. Please write your loan number on
your payment and allow adequate time for postal delays as the receipt and posting date will govern the assessment of late charges.

MoneyGram ExpressPayment ensures same-day delivery of your payment to Nationstar Mortgage. Visit your local MoneyGram Agent. Call 1-800-926-9400 to
locate the one nearest you. Complete the ExpressPayment form, providing your name and Nationstar Mortgage loan number.The MoneyGram Receive Code is ***1678***.
All ExpressPayment transactions require cash. The agent will charge a fee for this service.

Western Union QuickCollect ensures same-day delivery of your payment to Nationstar Mortgage. Visit your local Western Union Agent. Call 1-800-325-6000 to
locate the one nearest you. Complete the QuickCollect form with your name and Nationstar Mortgage loan number, indicating:
Pay to: Nationstar Mortgage Code City: Astar State: TX
All QuickCollect transactions require cash. Western Union will charge a fee for this service.
NOTICE TO CUSTOMERS MAKING PAYMENTS BY CHECK
Authorization to Convert Your Check: If you send us a check to make your payment, your check may be converted into an electronic fund transfer. An electronic fund transfer is the
process in which your financial institution transfers funds electronically from your account to our account. By sending your completed signed check to us, you authorize us to copy your
check and use the information from your check to make an electronic funds transfer from your account for the same amount as the check. If the electronic fund transfer cannot be
processed for technical reasons, you authorize us to process the copy of your check.
Insufficient Funds: The electronic fund transfer from your account will usually occur within 24 hours of our receipt of your check. If the electronic fund transfer cannot be completed
because of insufficient funds, you may be assessed an NSF fee in connection with the attempted transaction.
Transaction Information: The electronic fund transfer from your account will be on the account statement you receive from your financial institution. You will not receive your original
check back from your financial institution. For security reasons, your original check will be destroyed, but we will keep a secured copy of the check for record keeping purposes.
Your Rights: You should contact your financial institution immediately if you believe that the electronic fund transfer reported on your statement was not properly authorized or is
otherwise incorrect. Consumers have protections under the Electronic Fund Transfer Act for any unauthorized or incorrect electronic fund transfer.

CONTACT INFORMATION
Customer Service: 1-888-480-2432, Monday through Thursday 8 am 8 pm CT, Friday 8 am 6 pm CT, and Saturday 8 am 2 pm CT.
[Calls may be monitored and/or records for quality assurance purposes]

24-hour automated account information: Log on to MyNationstar.com OR call 1-888-480-2432.

Mailing addresses for Nationstar Mortgage are listed below. Please carefully select the address suited to your needs and remember, sending payments to any address other
than the one specifically identified for payments will result in delays and may result in additional fees being assessed to your account.
PAYMENTS:

NOTICE OF ERROR/
INFORMATION REQUEST/
QWR*:

OVERNIGHT DELIVERY
CORRESPONDENCE:

INSURANCE RENEWALS/ TAX NOTICES/

BILLS:
BILLS:

BANKRUPTCY NOTICES/
PAYMENTS:

P.O. Box 650783

Dallas, TX 75265-0783

P.O. Box 619098

Dallas, TX 75261-9741

8950 Cypress Waters Blvd

Coppell, TX 75019

P.O. Box 7729

Springfield, OH 45501-7729
Fax (800) 687-4729

P.O. Box 619094

Dallas, TX 75261-9741

P.O. Box 961229

Fort Worth, TX 76161-0229
Fax (817) 826-1861

*PURSUANT TO RESPA, A QUALIFIED WRITTEN REQUEST (QWR) REGARDING THE SERVICING OF YOUR LOAN MUST BE SENT TO THIS ADDRESS:
Nationstar Mortgage, P.O. Box 619098, Dallas, TX 75261-9741, Attn: Customer Relations Officer. A qualified written request must comply with the requirements of RESPA,
as follows: Qualified written request; defined. (i) A qualified written request means a written correspondence (other than notice on a payment coupon or other payment medium supplied by
the servicer) that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and includes a statement of the reasons that the borrower believes the account
is in error, if applicable, or that provides sufficient detail to the servicer regarding information relating to the servicing of the loan sought by the borrower. (ii) A written request
does not constitute a qualified written request if it is delivered to a servicer more than 1 year after either the date of transfer of servicing or the date that the mortgage servicing
loan amount was paid in full, whichever date is applicable.
Nationstar Mortgage LLC, its affiliates, successors or its assigns or their officers, directors, agents, or employees, are neither liable nor responsible for, or make any representation
regarding the products or services offered on any enclosed inserts.

CHANGE OF ADDRESS OR TELEPHONE NUMBER

Check the appropriate box:

q Mailing Address

q Telephone Number

Borrowers Name:

Co-Borrowers Name:

Borrowers New Address:

Co-Borrowers New Address

Authorized Borrower Number(s):

Authorized Co-borrower Number(s):

Home (

Work (

Other (

Ext:
)

Signature Required:

Mobile: Yes

No

Home (

Mobile: Yes

No

Work (

Mobile: Yes

No

Other (

Loan #:

Ext:
)

Mobile: Yes

No

Mobile: Yes

No

Mobile: Yes

No

Signature Required:

I consent to being contacted by Nationstar Mortgage LLC at any telephone number I have provided. This includes, but is not limited to, calls from your dialing system to my cellular or mobile telephone.

2-692-79484-0027918-001-000-000-000-000

Hawaii Residents: If you believe a loss mitigation option request has been wrongly denied, you may file
a complaint with the state division of financial institutions at 808-586-2820 or http://cca.hawaii.gov/dfi/ .
New York Residents: Nationstar Mortgage LLC is licensed by the New York City Department of Consumer
Affairs License Number: 1392003. If you believe a Loss Mitigation request has been wrongly denied, you
may file a complaint with the New York State Department of Financial Services at 1-800-342-3736 or
www.dfs.ny.gov .
New York Residents Income Disclosure: If a creditor or debt collector receives a money judgment against
you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:
supplemental security income (SSI); social security; public assistance (welfare); spousal support, maintenance
(alimony) or child support; unemployment benefits; disability benefits; workers compensation benefits; public
or private pensions; veterans benefits; federal student loans, federal student grants, and federal work study
funds; and ninety percent of your wages or salary earned in the last sixty days.
Oregon Residents: There are government agencies and nonprofit organizations that can give you information
about foreclosure and help you decide what to do. For the name and telephone number of an organization near
you, please call 211 or visit www.oregonhomeownersupport.gov. If you need help finding a lawyer, consult the
Oregon State Bars Lawyer Referral Service online at www.oregonstatebar.org or by calling 503-684-3763 (in
the Portland metropolitan area) or toll-free elsewhere in Oregon at 800-452-7636. Free legal assistance may be
available if you are very low income. For more information and a directory of legal aid programs, go to
www.oregonlawhelp.org.
North Carolina Residents: Nationstar Mortgage LLC is licensed by the North Carolina Commissioner of
Banks, Mortgage Lender License L-103450. Nationstar Mortgage LLC is also licensed by the North Carolina
Department of Insurance, Permit Number 105369, 112715, 105368, 111828, 112953, and 112954.
If you believe a Loss Mitigation request has been wrongly denied, you may file a complaint with the
North Carolina Office of the Commissioner of Banks website www.nccob.gov .
Texas Residents: COMPLAINTS REGARDING THE SERVICING OF A MORTGAGE SHOULD BE SENT TO
THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN
TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A complaint form and
instructions may be downloaded and printed from the Departments website located at www.sml.texas.gov or
obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer
hotline listed above, or by email at smlinfo@sml.texas.gov .

2-692-79484-0027918-001-000-000-000-000

Some homeowners run

the risk of unexpected,
costly breakdowns.

YOU can be risk-free.

Caron D. . . . . . . . . . . . . . . . .
Al K. . . . . . . . . . . . . . . . . . . .
Robert K. . . . . . . . . . . . . . . .
Debra H. . . . . . . . . . . . . . . . .

$4,450 Replaced Furnace

$4,208 Replaced A/C
$1,250 Replaced Water Heater
$ 984 Replaced Refrigerator

Dear GREG,

Its a fact: your home is turning another year older and so are your systems and appliances. Unfortunately, that means
breakdowns may soon become a common occurrence. Without a comprehensive home service plan, theres a risk you
could spend a lot of money on a major failure very soon. Do you have $4,000 set aside for a new furnace or air
conditioning system?1
Some people are willing to take that chance, and when they lose, it hits home hard. Luckily, a home service plan from
TotalProtect has been made available so that the next serious oh no in your home wont wipe out your wallet. A
home service plan can greatly reduce your risk of costly repairs or replacements of your critical home systems and
appliances.

The risk is too great thats why these home service plans are so important.2
Suddenly the heat stops working. A pipe breaks. The clothes washer starts to leak and you panic. As a Nationstar
Mortgage customer, you can now enjoy the protection of one of the home service plans below. That means a service
call fee could cover the cost of the breakdown so it wont cost thousands. Your major systems and appliances are
covered, regardless of their age, make or model.

The TotalProtect plan protects your systems and appliances with the heaviest usage:2
Furnace/Heating System (2 units)
Air Conditioning System (2 units)
Electrical System
Plumbing System and Stoppages
Toilets
Refrigerator

Water Heater
Ceiling Fans
Garbage Disposal
Garage Door Opener
Dishwasher (built-in)
Wall Oven

Cooktop/Range
Range Exhaust Hood
Trash Compactor (built-in)
Microwave (built-in)
Clothes Washer
Clothes Dryer

Accessible Ductwork
Rust and Corrosion
Unknown Pre-Existing
Conditions

And now these plans have better coverage and more options.
NEW!

No annual aggregate caps (All Plans)

Reimbursement of up to $1,000 back for homeowners insurance deductible3 (TotalProtect Plan)
Up to $1,200 back for emergency lodging4 (TotalProtect and SystemsProtect Plans)
Additional coverage options from swimming pools to outside gas lines and more! (Details on other side)

No matter when you need help, theres just one number to call.
You can request service 24 hours a day, 365 days a year. Well connect you with a pre-screened technician in your
area who will come to your home to diagnose and remedy the problem. Every covered repair is guaranteed for a full
6 months by the home service plan because theres a 100% commitment to keeping the things you and your family
depend on running smoothly.

Dont gamble with the high cost of replacing home systems and appliances.

Call 844.743.9325

Visit TotalProtect.com/EnrollOnline

Let us help you choose the plan thats right for you.

TotalProtect ($47.95/mo) Covers your most used systems & appliances.

SystemsProtect ($37.95/mo) Covers your most crucial home systems.
ApplianceProtect ($19.95/mo) Covers your most important appliances.
CALL FOR MORE PRICING OPTIONS
12/16 NSM-LCKY/NBRC-OC-E

Reservation # NS6DECP22222SZ82

Home Service Plan

Coverage Comparison

TotalProtect

SystemsProtect

ApplianceProtect

(Over 20 systems & appliances)

(4 systems)

(9 appliances)

$47.95/mo

$37.95/mo

$19.95/mo

A/C System (2 units), Furnace/Heating System (2 units),

Accessible Ductwork

Electrical and Plumbing Systems, Toilets, Water Heater,

Plumbing Stoppages, Ceiling Fans, Garbage Disposal,
Garage Door Opener




Homeowners Insurance Deductible Reimbursement




Refrigerator, Dishwasher (Built-in),

Clothes Washer & Dryer

Wall Oven, Cooktop/Range, Range Exhaust Hood,

Microwave (Built-in), Trash Compactor (Built-in)

Emergency Lodging Reimbursement4

3

Unknown Pre-Existing Conditions, Rust & Corrosion

No Annual Aggregate Caps
New Appliance Discounts
Service Call Fee













$100

$100

$100

Use the chart above to compare the coverages for yourself. Then call 844.743.9325 to let us know which one youd like
to review.

Looking for even MORE coverage?

When you call us at 844.743.9325, just ask about our additional coverage for items like your swimming pool, septic tank, and outside
gas, water and sewer lines. PLUS, some repairs and replacements require permits, code upgrades or other work involving things like
equipment disposal, Freon recovery and more. Our optional Premier Upgrade Package helps pay for that too! 5

Need a complete replacement? No problem.

Sometimes a repair just isnt the best answer. When thats the case, the home service plan may replace the covered system or
appliance with a new one of comparable features. Imagine that a new heating system, for example, could cost you no more than
the price of your service call fee.2 Plus, you can always upgrade appliances on your own, at a discount, with the Appliance Buyline
discount buying service.
Dont put all your hard-earned money on the line and lose like the homeowners listed on the front of this letter. Protect your home,
your family and your budget with a home service plan and walk away a winner.
Sincerely,
TotalProtect Home Service Plan
P.S. Theres a 68% chance that at least one key home system or appliance will fail in any given year.6 Homeowners insurance policies
typically dont cover mechanical failure due to wear and tear. Call 844.743.9325 with any questions and to find the plan that
works best for you.

Start saving today with a home service plan!

Call

toll-free 844.743.9325

Visit

 TotalProtect.com/EnrollOnline

The individuals displayed at the top of this letter are actual homeowners. The information provided is based on their experiences. Your results may vary.
Based on estimated retail ranges of typical replacement costs. Includes data from national independent contractors. Pricing may vary by state.
2
See terms, conditions and limitations in your Service Agreement that you can review once we receive your enrollment request and send you your materials. Covered items must be in good working order, with no apparent visual
or operational malfunctions, on your Agreement effective date. $100 service call fee due at time of service. This fee is separate from the monthly plan premium. Non-covered and incidental charges may apply to certain repairs or
replacements. If you cancel after the effective date you may be responsible for any costs associated with services performed during the term of your Agreement prior to cancellation.
3
Reimburses you up to $1,000 when you have to pay a deductible on a covered homeowners insurance claim. Only 1 claim, per member per 12-month period. Additional terms and conditions apply, which will be included in your plan
materials you receive after enrollment.
4
Reimburses you up to $1,200 if (a) your only cooling or heating system is non-operational for 24 hours or more from the time of the rst service visit should there be a delay in acquiring repair parts, or (b) a sudden break in a water pipe
results in ooding and the removal of water from the residence by a water removal company is delayed by 24 hours. Only 1 claim, per member per 12-month period. Additional terms and conditions apply, which will be included in your
plan materials you receive after enrollment.
5
Limited to $1,000 per claim, up to 2 covered claims per year.
6
As reported in a 2014 nationwide study of Homeowner Repair and Replacement Costs conducted by Clientize.com Inc. using a Survey Sampling International, LLC panel. Further reproduction is expressly prohibited.
All Home Service Plan Agreements are issued by HomeSure Services, Inc., except in the following states where they are issued by the identified entity: in AL, AZ, FL, IL, IA, LA, MA, NV, NH, NM, NY, NC, OK, SC, TX, UT, VT, WA, WI and WY
by HomeSure of America, Inc.; in CA by HomeSure Protection of California, Inc.; in VA and OR by HomeSure of Virginia, Inc. Services are administered by Cross Country Home Services, Inc., OR CCB #202158, and provided by independent
tradespeople/contractors. All Home Service Plans are registered marks of Cross Country Home Services, Inc., Fort Lauderdale, FL 33355. Please see contract for actual terms and conditions; benefits may vary by state. Not available in all
states; subject to sales tax where applicable.
If you choose to purchase this product, Home Service Plan payments or fees will be included in your mortgage billing statement. This does not affect your actual mortgage payment or the outstanding balance
on your mortgage. Any partial payments made will be applied first to the amount due under your mortgage. Any shortage in payment may result in cancellation of the Home Service Plan coverage.
Cross Country Home Services, Inc. and Nationstar Mortgage LLC are non-affiliated third parties.
SLIC Insurance Agency, LLC, the broker of record, will be compensated in association with the marketing of this plan.
Nationstar Mortgage is a service mark of Nationstar Mortgage LLC. All rights reserved.
The HomeSure Companies and Cross Country Home Services, Inc. are not affiliated in any way with Nationstar Mortgage, its affiliates, or subsidiaries.
2016, Cross Country Home Services, Inc. All Rights Reserved.
1

2-692-79484-0027918-001-000-000-000-000

692-3572-0115F

Legal Rights and Protections Under the SCRA

Servicemembers on active duty or active service, or a spouse or dependent of such a servicemember may be entitled to
certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act (50 USC App. 501-597b) (SCRA).
Who May Be Entitled to Legal Protections Under the SCRA?
Regular members of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corps and Coast Guard).
Reserve and National Guard personnel who have been activated and are on Federal active duty.
National Guard personnel under a call or order to active duty for more than 30 consecutive days under section 502(f)
of title 32, United States Code, for purposes of responding to a national emergency declared by the President and
supported by Federal funds.
Active service members of the commissioned corps of the Public Health Service and the National Oceanic and
Atmospheric Administration.
Certain United States citizens serving with the armed forces of a nation with which the United States is allied in the
prosecution of a war or military action.
What Legal Protections Are Servicemembers Entitled To Under the SCRA?
The SCRA states that a debt incurred by a servicemember, or servicemember and spouse jointly, prior to entering
military service shall not bear interest at a rate above 6 % during the period of military service and 90 days thereafter,
in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage,
or during the period of military service in the case of any other obligation or liability.
The SCRA states that in a legal action to enforce a debt against real estate that is
during, or within one year after
the servicemembers military service, a court may stop the proceedings for a period of time, or adjust the debt. In
addition, the sale, foreclosure, or seizure of real estate shall not be valid if it occurs during or within 90 days
after the servicemembers military service unless the creditor has obtained a valid court order approving the sale,
foreclosure, or seizure of the real estate.
The SCRA contains many other protections besides those applicable to home loans.
How Does A Servicemember or Dependent Request Relief Under the SCRA?
In order to request relief under the SCRA from loans with interest rates above 6% a servicemember or spouse must
provide a written request to the lender, together with a copy of the servicemembers military orders.
Nationstar Mortgage, Attn: Military Families, PO Box 619098, Dallas, TX 75261-9741
There is no requirement under the SCRA, however, for a servicemember to provide a written notice or a copy of a
servicemembers military orders to the lender in connection with a foreclosure or other debt enforcement action against
real estate. Under these circumstances, lenders should inquire about the military status of a person by searching the
Department of Defenses Defense Manpower Data Centers website, contacting the servicemember, and examining
their files for indicia of military service. Although there is no requirement for servicemembers to alert the lender of their
military status in these situations, it still is a good idea for the servicemember to do so.
How Does a Servicemember or Dependent Obtain Information About the SCRA?
Servicemembers and dependents with questions about the SCRA should contact their units Judge Advocate, or their
A military legal assistance
locator for all branches of the Armed Forces is
installations Legal Assistance
available at http://Iegalassistance.law.af.mil/content/locator.php
Military OneSource is the U. S. Department of Defenses information resource.
If you are listed as entitled to legal protections under the SCRA (see above), please go to www.militaryonesource.mil/legal
or call 1-800-342-9647 (toll free from the United States) to
out more information. Dialing instructions for areas
outside the United States are provided on the website.
If this account is active or has been discharged in a bankruptcy proceeding, be advised this communication is for informational purposes only and not an attempt
to collect a debt. Please note, however Nationstar reserves the right to exercise the legal rights only against the property securing the original obligation.