If you have an existing mortgage loan and are unable to make your monthly payments, there may be options available to help you avoid losing your property due to foreclosure. These options may include:

• Refinance
• Forbearance
• Loan Modification
• Selling the Property
• Deed In Lieu of Foreclosure
• Borrowers can work a second job or take on a side hustle to generate additional income
• Borrowers could find a roommate to contribute toward the mortgage payment

If your mortgage loan is serviced {payments are made out to us} by Mid Valley Services, Inc. (aka Mid Valley Financial, MVFS or MVF), and if any of the above options seem viable, immediately contact the loan servicing department during normal business hours (8:00 AM to 5:00 PM, Monday through Friday) at (559) 432-8221 or call us toll-free at (855) 212-5732 to discuss the available options and to see what is needed to bring your agreement back into good standing.

Upon contacting Mid Valley Services, Inc., be prepared to provide specific details about your financial situation, which may include:

• Current income and employment information
• Copies of pay stubs
• Tax returns and bank statements
• If your property is listed for sale or in escrow, please provide a copy of the listing agreement and/or a written purchase offer(s)
• If you have recently had your property appraised, please provide a copy of the most recent appraisal
• Other documentation may be also required

Additionally, the toll-free number made available by the United States Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency is 1-800-569-4287 or TTY/TDD 1-800-877-8339.

Mid Valley Services, Inc. does not offer a proprietary forbearance or modification plan. Due to the fact that all loans serviced by Mid Valley Services, Inc. are privately funded, loans with Mid Valley Financial Services may not be eligible for any federal, state or lender-allowed foreclosure prevention or alternative programs. Should a borrower request a forbearance or modification, it would be subject to majority lender approval.

Please note that there is no agreement regarding any option to avoid foreclosure until it has been put in writing and signed by you (the borrower) and the lender.

Mid Valley Services, Inc., Real Estate Broker

CA – Dept. of Real Estate #01206057; NMLS #219418