endstream endobj startxref We have reviewed severalof these letters and can confirm it is a scam. Please also note the account number in the letter does not match your account number with ProFed, indicating a scam. I also got a letter from JFQ lending. My mortgage was sold to another lender as often happens, last month. Thank you so much! Thank you for this posting and explanation. Most conventional loans are backed by mortgage companies Fannie Mae and Freddie Mac. the villa pacific palisades, ca. If you want to get rid of private mortgage insurance, you'll likely need 20% equity in your home. To qualify for RefiNow, homeowners must have: Statements from Fannie Mae Board Chairwoman Sheila C. Bair and Fannie Mae CEO Hugh R. Frater on FHFAs announcement of the new Enterprise refinance option are available here. Conventional loans allow slightly lower down payments. Thanks! If so, let us know in the comments below! It should be noted that Fannie Mae's obligation under this guaranty is solely Fannie Mae's and is not backed by the full faith and credit of the U.S. government. If, as a homeowner, you want to explore refinancing through Fannie Maes program, you can contact any mortgage company. View more posts about Credit Union Updates. It started the program for 2021 on June 5. FNMA scamsters get your information about mortgages from public records. I get these every few months and I think it's a sketchy way to pitch a refinance. After the mortgage meltdown of 2008, Fannie Mae and Freddie Mac started to focus on loan modifications. Stay safe all. If you call it, remember not to share any personal information, as it could result in a spam attack and financial loss. A mortgage with a loan-to-value ratio up to 97%, a debt-to-income ratio of 65% or less, and a minimum 620 FICO score. Call your lender before taking any action. Just got one, they used a little window in the envelope to call it a "Notice of FNMA Enhancement" and list my current lender's name, making it seem like it was from them. Conventional Loans A conventional loan is a mortgage that's not insured by a government agency. Another name you most likely know this organization by is Fannie Mae. Letter as necessary. The letters also urge you to call a number. Homeownership is hard enough with out predators trying to take advantage of FTHB. Credit Enhancement Instrument Agreement between Fannie Mae and a Bond Trustee where Fannie Mae provides credit enhancement of a Credit Enhancement Mortgage Loan, Bonds issued to finance a Credit Enhancement Mortgage Loan, or an Interest Rate Hedge Agreement; and if applicable, a Bond liquidity facility. x]Mj0>`OJ`S The FNMA DUS Loan Program is also used as a Fannie Mae Credit Enhancement, a tax exempt bond issue of a state or local housing finance authority that is providing multifamily affordable housing. Do not share your personal information under any circumstances. Posting the link above is appreciated! What is One Benefit of Privately Issued Student Loans. I quickly discovered that this FNMA enhancement letter was a scam. FNMA Enhancements letter 2021 - scam or legit notice? Multifamily Mortgage Business Lender Letter 2 1-02 . Our ESG strategy builds on our mission to facilitate equitable and sustainable access to homeownership and quality affordable rental housing across America. 8720 Georgia Avenue, Suite 301 Silver Spring, A Fannie Mae-backed mortgage secured by a 1-unit, principal residence; A current income at or below 80% of the AMI (not the income as of origination of the original loan); Not missed a mortgage payment in the past six months, and no more than one missed mortgage payment in the past 12 months; and. (301) 589-9500, I have read and understand the disclaimer. Freddie Mac can be reached at 800-373-3343 or Freddie Mac's website. What is the purpose of FNMA? Instead, go straight to the Fannie Mae website and contact them from there. May 5, 2021 RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment WASHINGTON, DC - Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. It seems that the benefits you get are too good to be true. A multifamily property that is composed of multiple individual units in a building (or other designated area) each of which is bound by the restrictions and requirements set forth in the residential condominium documents applicable to all of units. Fannie Mae and Freddie Mac also have differences in lending requirements and programs. Create an account to follow your favorite communities and start taking part in conversations. Chinese Granite; Imported Granite; Chinese Marble; Imported Marble; China Slate & Sandstone; Quartz stone I hope it helps others avoid getting scammed! HIGHLIGHTS Fannie Mae is announcing updates to the Loan Documents which may be used immediately and must be Fannie Mae buys mortgages from larger, commercial banks, while Freddie Mac buys them from much smaller banks. be seasoned at least 12 months (from the original note date to new loan note date). not be subject to recourse, repurchase agreement, indemnification, outstanding repurchase demand, or credit enhancement (unless the new loan is also subject to the credit These changes will generate economic benefits for those, like you, who have a conventional mortgage. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a . It is important to note that both JFQ Lending and Intercontinental Capital Group Inc. are legitimate companies, but they are not the ones behind the FNMA Enhancements mortgage notices that are being sent to you. It was founded in 1938 by Congress as a government-sponsored enterprise in order to provide funding to make housing more affordable. This is NOT a secured email transmission. I want as many scams to be exposed as possible, as well as drill home the importance of doing your research before responding to any letter, email, etc. The Fannie Mae loan has a higher credit score requirement at 620 to 640 which is higher than the FHA loan. I just got the same letterits for refinancing of mortgages. The FNMA doesn't originate mortgages but purchases and guarantees them through the secondary mortgage market. hbbd```b``"WH uX," ``r5Bz^ 9&WM D ] REH2j` RHONw ;~ and contain the line "Notice of FNMA Enhancement." The letters ask you to call 1-833-782-0648 and warns you to call before a certain date to secure economic benefits. It borrows in the debt markets by selling bonds, and provides liquidity to loan originators by purchasing whole loans. The letters appear to come from JFQ Lending. Never use the contact information on a Fannie Mae Enhancements letter. It is there that you will find information on refinancing, disaster relief, payment deferral and affordable mortgages. The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a approved lender. Where do balloons go when you release them? If you head over to Fannie Maes website, youll find a wealth of information under the Homeowners & Renters tab. . Additionally, the files will be sorted in descending order, so that the most recent file is at the top of the list. Choose Know Your Options from the drop-down menu. If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could be a scam! hXmo6+b;"@^MW42@5\m=G*V4 B This is the actual letter Ireceived. For the most recent reporting period, the total quantity of electricity generated annually by the existing onsite electricity generation system (measured in kBtU). !-O }Z_ Maryland 20910, Do you have any questions? Offers may be subject to change without notice. Yes, if you receive a notice FNMA Enhancements correspondence in the mail, it is a scam and you should immediately throw it in the trash. Have a great day and thanks for your thoughtful comment! It started the program for 2021 on June 5. Indicates if the mortgage loan may/will be cross defaulted and/or cross collateralized in the future with another mortgage. Some benefits could include a cash dispersement of $1,323.66, a shortened payment term or a lower mortgage payment. Now, we have got the complete detailed explanation and answer for everyone, who is interested! This is a question our experts keep getting from time to time. Beware of specific indicators that require you to take specific actions in an urgent matter. Subject: Lender Letter 2 1-02 - Loan Document Update . (% .^Bz 4SW5S_8hXEP` HWN9weRTUP@]CbLEIUmHGMdNrt\`g}Vw;O$slxH&_)5Sa^S&nGInS6yx62+ H]G {|JTsw!P2L9m7G-p8k .D SB2(YjJm,R Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs. If Fannie and Freddie were allowed to fail, experts agreed that the housing market would collapse even further, paralyzing the entire financial system. FHA loans allow lower credit scores than conventional mortgages do, and are easier to qualify for. Is Freddie Mac a government agency? document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2023 by The Law Offices of Gerstenfield & Demirji, PC. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. Both provide liquidly, stability and affordability to the mortgage market, making them crucial to the country's housing system. Fannie Mae buys loans from lenders A lender is a financial institution that loans money directly to you with the expectation that it will be repaid with interest. Indicates that the security is backed by loans that meet one of the defined Sustainable Impact Criteria found in Fannie Maes Sustainable Bond Framework, including Restricted Affordable Housing and Manufactured Housing Communities. Required fields are marked *. Hopefully no one falls for this crap. Menu ceramic cutting tools advantages and disadvantages. Maybe try a search? A scammer is using their name and instead of calling the actual company, you will be calling them if you use the phone number in the notice. Initially announced April 28 by the Federal Housing Finance Agency, RefiNow makes it easier for eligible homeowners earning at or below 80% area median income (AMI) to refinance at a lower interest rate and reduce their monthly mortgage payment. 0 To get the necessary information, call our office at ***-***-**** before (date). Lender Letter LL-2021-03 - Impact of Covid-19 on Originations February 15, 2023 Lender Letter LL-2021-03 - Impact of Covid-19 on Originations This Lender Letter provides reminders and temporary flexibilities to support mortgage originations. Thanks for the post. provide Fannie Mae with copies of the existing interest rate hedge documents. The primary difference between Freddie Mac and Fannie Mae is where they source their mortgages from. manchester united annual turnover; what dallas city council district am i in Standard: A residential condominium that is operated as a multifamily property and the borrower owns all of the units in the building (or other designated area). Enhancements to support borrowers with non-traditional credit: aligns policy with eligibility expansions to the cash flow assessment and other risk . 781 0 obj <>stream As mentioned above, you can contact Fannie Mae safely and directly on their website if you have any questions or concerns. 710 0 obj <> endobj Fannie Mae (FNMA) was started by the federal government in 1938. The Selling Guide has been updated to include changes to the following: Cash-out refinance eligibility: implements new eligibility requirements for cash-out refinance transactions. Homeowners are advised to take advantage of a new Mortgage Stimulus Program before its gone. Freddie Mac buys home mortgages, primarily from smaller banks and savings and loans. Just put that same letter through the shredder. )3L>85ndF}'|UIB2Smk# F_Jh 'bYd?O06:\H&(Z}o.8oC}nz,y^]eJYnD^*|RL*q (adsbygoogle = window.adsbygoogle || []).push({}); The notice begins by addressing you by name. In fact, ProFed Credit Union warned their customers of this FNMA Enhancement scam when they were notified that their clients were receiving the letter from JFQ Lending. This is your one-stop encyclopedia that has numerous frequently asked questions answered. proposed in December 2021, that requires Fannie Mae and Freddie Mac to submit annual capital plans to the agency and provide notice prior to taking certain capital actions. When will fnma be released from conservatorship? THANK YOU! Fannie Mae provides credit enhancement for tax-exempt bonds issued to finance the acquisition, new construction, refinancing, or moderate to substantial rehabilitation of affordable housing multifamily properties with Low Income Housing Tax Credit (LIHTC) rent restrictions. You can find the real contact info for JFQ Lending and Intercontinantal Capital Group Inc. on their company websites if youd like to find out what programs they offer, but dont expect these programs to be the false promises that are in the letter you received. Providing a $500 credit from Fannie Mae to the lender at the time the loan is purchased if an appraisal was obtained for the transaction. Fannie Mae can be reached at 800-232-6643 or Fannie Mae's website. 758 0 obj <>stream JFQ is trying to get you to refi with them. Because Fannie was started by the government,. At ProFed, we work hard to ensure your information is secure and protected. From a different lender stating its an offer for a refi. To enhance this particular program, FNMA expanded its eligibility back in June 2021. Freddie Mac HFA Advantage mortgage is a high loan- to-value (LTV) conventional offering that's an excellent alternative to FHA lending requirements and mortgage premiums. Then elsewhere it says, "Proposed Lender: JFQ Lending, Inc." Deceptive marketing. I just received one of these letters from Camden Loans, and I will toss it. antigen test folkestone; celina ohio high school football stadium; rusty coones height; couple painting easy; outlander birthday cards; what countries have the same climate as britain Fannie Maes new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae. These solicitations claim that you're eligible for special economic enhancements if you refinance with a company. I think the more people that can warn others the better! The bottom of the letter states that, "This is a third-party offer from JFQ Lending, Inc.". Press J to jump to the feed. Just like when you get a speeding ticket. Here's a scam warning from another bank about a very similar letter. Your email address will not be published. Law Offices of Gerstenfield & Demirji, PC Beware of specific indicators that require you to take specific actions in an urgent matter. Yes, thats my hope. Details: Fnma enhancements letter 2020. The letter identifies your mortgage servicerthe company responsible for collecting your monthly payments on our behalf and providing customer service. Totally a scam. In any case, it's best to contact your lender and inquire about any special benefits being offered. Beware of specific indicators that require you to takespecific actions in an urgent matter. Also The letter looks very authentic, and it could easily fool a lot of people especially the elderly. Enhancements indicate positive changes, which Fannie Mae is always making. endstream endobj 728 0 obj <>stream Save my name, email, and website in this browser for the next time I comment. The letters appear to come from JFQ Lending. ProFed reminds customers that their mortgage information is public record, which means anyone can search and discover information about your mortgage, including scammers. Fannie Mae is also reminding servicers to submit to Fannie Mae all servicer-approved mortgage loan modifications in HomeSaver Solutions Network (HSSN) as "closed." No other attorney, will fight harder for your freedom! orlando to fort pierce train; dod personnel who suspect a coworker of possible espionage should; boyd funeral home marion, ohio obituaries; horner's syndrome in cats after ear cleaning; (adsbygoogle = window.adsbygoogle || []).push({}); As you can see from the letter I received, the financial institution listed is Intercontinental Capital Group Inc., but others have received the same letter from the financial institution JFQ Lending. Lender Letter (LL-2021-02) Updated: May 4, 2022 To: All Fannie Mae Single-Family Servicers 0 I've been getting nonstop predatory refi offers on a weekly basis this year. June 7, 2022 . It was designed to help re-start the housing market after the Great Depression. Fannie Mae helps make the 30-year fixed-rate mortgage and affordable rental housing possible for millions of people in America. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. Mar 16, 2021 153 Dislike Share Save Scamadviser 26.7K subscribers If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could. "|b?5:Tx|DC6+Q8rW,XU^. Typically, an apartment property that receives Fannie Mae Credit Enhancement looks like any other multifamily project. How the letters are sent Your full address is listed in the top left-hand corner of the page. endstream endobj 730 0 obj <>stream Many people have received letters titled Understanding FNMA Enhancements. Some of these letters cite home loans from McKesson Emps Federal and JFQ Lending. They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. Took a look at the bottom and boom. hb```b@(1ao>DaMtB&[+^hDrd n'DwWzaL . I agree with this advice and it applies to ALL things. Some letters may describe a third-party offer from a particular lender that's not approved nor affiliated with your current mortgage lender, the FNMA, or any other government agency. Always verify before you do anything. There are some bad apples out there trying to take advantage of legit changes to the FNMA enhancements. The other major reason sellers don't like FHA loans is that the guidelines require appraisers to look for certain defects that could pose habitability concerns or health, safety, or security risks. Ilocated others online who received the exact same letter, but with a different financial institution listed at the bottom. . They perform an important role in the nation's housing finance system to provide liquidity, stability and affordability to the mortgage market. Fannie Mae says that conventional loans typically require a minimum credit score of 620. what is fnma enhancements letter 2021. Powered by Loebig Ink, LLC, Home | En Espanol | Site Map | Disclaimer, 8720 Georgia Avenue, Suite 301 | Silver Spring, Maryland 20910, Maryland Criminal Defense Crimes and Procedure, Domestic Violence Maryland Criminal Defense Attorney, Manslaughter Maryland Criminal Defense Lawyer, Second Degree Murder Maryland Defense Lawyer, Child Pornography Maryland Sex Crime Lawyer. We support mortgage lenders in providing mortgage financing to help people buy or rent a home. Fannie Mae will be implementing the following enhancements to DUS Disclose on January 29, 2021: The following new fields will be added to DUS Disclose: To assist market participants with the transition to these enhancements, we are providing the updated file layouts for the following files: If you have questions about DUS Disclose or the upcoming enhancements, please contact Fannie Mae's Investor Help Line by phone (1-800-232-6643) or by email. Link to some info below as well as an example: received this letter in the mail and did some digging. Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today, What is a Leg in Stock Market? Restricted Affordable Housing includes the following Affordable Housing Types: MBS and Mega Advanced Search Download File, Fannie Mae to Release DUS Disclose Enhancements in January 2021. Just got a letter from my mortgage administrator, Fannie Mae backed mortgage, saying that I may qualify for a $3000 payout, lower monthly payment and shorter term due to "FNMA enhancements". (adsbygoogle = window.adsbygoogle || []).push({}); Your email address will not be published. From: Te-Mika Warner, Deputy General Counsel . efPl`.Rb)cSO Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution - such as a repayment plan, payment deferral, or loan modification - are eligible for a new refinance or purchase mortgage after three timely payments. yup. March 15, 2021 . Yesterday, I received a Notice of FNMA Enhancement in the mail. Understanding Stock Market Terms, How to Make Money With a Drone: Earn a Full Time Income, How to Make Money on Maternity Leave Our Top 10 List. Any aggressive enhancements made to Fannie Mae eligibility will always be listed on their website, as well as information on whether you qualify or how you can take advantage of these enhancements. So, feel free to use this information and benefit from expert answers to the questions you are interested in! I dont feel like I am in MY right mind, and it is easy to fall victim to bad actors. Company Information; FAQ; Stone Materials. People may receive compensation for some links to products and services on this website. Please ignorethe letter anddispose of it like youwould any other junk mail. By accessing the noted link you will be leaving ProFed's website and entering a website hosted by another party. 'gW7Kq5k; b Fannie Mae Single-Family Loan Performance Data, Multifamily Connecticut Avenue Securities, Multifamily Connecticut Avenue Securities Transactions, Multifamily Credit Insurance Risk Transfer, Noncallable and Callable Debt Issuance Detail, Noncallable and Callable Debt Outstanding Detail, Noncallable Benchmark Securities and Bonds Outstanding. Vh4M &sYkf9r}\yB 4'N6`E?F7\eiyA,@$9\nftlc3c`fMDzy:/`M4Y B1. The number of units owned by a Borrower in a Fractured residential Condominium as of loan origination. To help expedite the process, please have your eligibility code available when calling. Look carefully, I'd be willing to bet it's not actually from your current lender. There are many types of mortgages, but Freddie Mac cannot buy non-conforming loans. This helped a lot! Home; About Us. hbbd```b``l6V "9A$XDLlm~d-U@dX=)$= R2_cv &30x? what is fnma enhancements letter 2021. Fannie Mae is reminding servicers of their authority to approve eligible mortgage loan modifications for the Fannie Mae Standard Modification and the Fannie Mae HAMP Modification. The requirements related to maximum points and fees and APR-APOR spread for Exempt loans are described in LL-2021-11. It looks like nothing was found at this location. and contain the line "Notice of FNMA Enhancement." Welcome to Sharing Culture! Borrowers must have a Fannie Mae-backed mortgage for their house, where they must live. About Fannie Mae Yeah, trying to discern whether or not this is a legitimate thing that Im entitled to, or some marketing racket. audience tickets 2021. forge of empires have less than 10 population available; caddyshack 2 worst slice; union county, nc deck building codes; . Fannie Mae's "RefiNow program aims to lower the interest rate homeowners pay on their mortgage, and, therefore, the amount they pay monthly. Copyright 2023 Market Realist. *https://www.forbes.com/advisor/refiroadmap/, http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf* Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau), 2021 HomeStimulusProgram.com | Legal | Contact | Sitemap. This gives lenders the money to provide new mortgages for more homebuyers. Waiving the 50 basis point up-front adverse market refinance fee that Fannie Mae otherwise charges to lenders on balances at or below $300,000. endstream endobj startxref No products in the cart. These may not qualify as full-fledged scams but they're still deceptive marketing. As the Federal National Mortgage Association (FNMA) enhances loan terms, some people get FNMA enhancement letters. May 4, 2022 Increasing our expense reimbursement limits for interior and exterior property inspections. In addition, we do not sell or distribute your personal information to non-affiliated third parties. to replenish their funds. Fannie and Freddie failed in large part because they made bad business decisions and held insufficient capital. 11/29/2012- Fannie Mae Lender Letter 2012-11 Confirmation of Conventional Loan Limits for 2013 vG6YikU] ")/~62x[1x A`Q n\ 5`uB^b`G' ,br=x^Wg[!3R'7$>6hmk{eW.> [ bEG\~*2/od-kW,RM/mo8F;Ol2?P` Income at or below 80 percent of the median income in their area. In fact, Fannie Mae expanded eligibility for their RefiNow program back on June 5th 2021. Download Lender Letter No. WASHINGTON, DC Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. Homeowners can determine if Fannie Mae owns their mortgage by visiting Fannie Maes Loan Lookup Tool at KnowYourOptions.com. @ >/Metadata 29 0 R/Pages 722 0 R/StructTreeRoot 48 0 R/Type/Catalog/ViewerPreferences 748 0 R>> endobj 726 0 obj <>/MediaBox[0 0 612 792]/Parent 722 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 727 0 obj <>stream I also got an InterContinental Capital Group Inc. letter dated January 2022. XA;3Pr#ASX x~[Vy # ^y*xgIAx.;Ix>T<>ui/&q^f7uQ]!hDY8YZ`&RY1PVo5+$;/#/r6OOg#Pt'iP4/_nf. Try calling your lender at the number on your mortgage statement (NOT in that letter) and see what they say. 3, 2020. For an interest rate swap, you must determine and advise Fannie Mae if the Borrower's interest rate hedge payment obligations are supported by a: Fannie Mae collateral agreement or credit enhancement instrument; or This is often the amount of equity you'll need if you want to do a cash-out refinance, too. %PDF-1.7 % Please be advised that ProFed does not represent the third party or you (the member) if you and the third party enter into a transaction. %%EOF ProFed members are reporting thatthey havereceivedletters in the mail telling them to call a numberregarding their mortgage before a certain date to benefit from a cash disbursement, shortened payment term, or lower mortgage payment. The FNMA Enhancement Notice letter appears completely legitimate, but Ihave learned over the years to be skeptical of anything that arrives in the mail, so I decided to do some digging. Disclosing your personal information could result in an unfortunate series of events impacting your finances and privacy. Because we are in a world where there is so much desperation, I am relieved that there are places to see that these things are scam. Both reasons have to do with the strict guidelines imposed because FHA loans are government-insured loans. The letter reads: Your current loan has been identified as being likely to benefit from the aggresive enhancements made to Fannie Mae eligibility. At least one borrower must be a first-time homebuyer. These modifications, which change the conditions of existing loans to help borrowers avoid defaulting on their mortgages, could include lower interest rates or extending the term of the loan to reduce monthly payments. Its operation makes affordable mortgages available to low-income Americans. Has anyone else received something like this? You need at least 3 percent for your down payment. The loan is made by a financial institution or other lender CxpYM{:-4S{R'._-z9kU]d=yo(tr2uz8&.:c`{GEsz4qE!;! Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity said in a letter to sellers on Wednesday. They prominently list your lender's name and maybe other official info, but probably got it from public records. The property must be a one-unit primary residence including single-family residences, townhomes, and condos. I appreciate the info. Scammers can get your contact information by searching through these records. I received a letter last week, was looking at it just now and found this post. I believe it is a legitimate communication from my lender, and Im curious as to why Im receiving it.
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