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EXHIBIT A <br /> SCOPE OF WORK <br /> Loan Servicing for Amortized and Deferred Loans <br /> 1, Loan Boarding: <br /> a. plow Loans:The Client Is responsible for completing an electronic loan setup form, available on <br /> the Servicer's portal, for flow loans being transferred to the Servicer for servicing. When fully <br /> complete,the Client uploads the form to the Servicer's portal. <br /> 2. Introductory Package: Upon boarding of a new loan, Servicer will send a welcome package to the <br /> borrower.This welcome package contains a Notice of Servicing Transfer, Fair Debt Notice, FACT Act <br /> Letter,and a variety of options to submit payments. <br /> 3. Collection and Remittance of Payments: Servicer will collect payments from the borrowers through <br /> monthly or other scheduled remittances of principal, interest, fees, escrow balances and other <br /> identified payments. Payments can be made Via check to a secure lock-box,multiple payment options <br /> online,reoccurring ACH,and through"check-by-phone"',and via the Servicer app.These remittances <br /> will be posted to the loan and ancillary records in accordance with the loan documents and the <br /> Client's written instructions. Payments will be posted the same day as receipt. Funds will be <br /> maintained in an FDIC insured banking Institution in a custodial account for the benefit of the Client <br /> and the borrowers as applicable. Servicer balances cash received and transmitted and loan portfolio <br /> totals on a daily and monthly basis. Remittances will be forwarded to the Client monthly net of fees <br /> and other authorized charges due to Servicer. <br /> 4, Payment of Property Taxes: At the Client's request, Servicer will order a tax service contract and <br /> monitor the timely payment of property taxes. <br /> 5. Insurance Monitoring: Servicer will notify the insurance agent In writing that Servicer is monitoring <br /> premium payments and Is to be made aware of delinquencies, non-renewals or cancellations. <br /> Servicer will force place insurance in accordance with respective regulation(see Insurance section). <br /> 6. Escrow/Impound Account: If the Client chooses,Servicer will establish a borrower escrow/impound <br /> account for the payment of taxes and insurance. Servicer will collect the monthly escrow payment <br /> from the borrower and make the tax and insurance payments on the borrower's behalf.The borrower <br /> escrow accounts will be analyzed annually In accordance with the Real Estate Settlement Procedures <br /> Act(RESPA). <br /> Please note:For single-family loans,unless respective state law requires otherwise,Servicer's escrow <br /> analysis utilizes a 2-month cushion In accordance with RESPA. This cushion is an industry standard <br /> and Is intended to minimize the likelihood of escrow shortages / deficits when and if escrow <br /> disbursement items increase.If this cushion is not consistent with the Client's current escrow analysis <br /> process, borrowers' escrow analysis may result in a shortage and/or escrow payment Increase at the <br /> time of Servicer's first analysis. This may Impact borrowers' ability to make increased monthly <br /> payments to escrow. Should the Client request alternative handling of loan accounts with escrow <br /> payment increases,this may result in the Client incurring extraordinary services charges. <br /> 1 Additional fees apply. <br />