Professional Documents
Culture Documents
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WFHM Affidavit Proc.essing Training '"
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. E): SUQtraetthElseconcfnumbet-fro'mtfiefirst '. , ". .J: .... : . ;" . . . ' ' .
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ScenarIo 2- FlorIda Loan
1. What Is the 1ate used to calculate the [ate charge?
2. What Is the total amount of late charges?
3, What Is the amount of late charges atcrued after your allowable date?
4. Subtract number 3 from number 2.
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Sceirarlo 3-Ohlo.L6a-ri . '" ":, ':: '. . ., '.
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.. ",2: '''Y,hat ... ' ",./ :'., ____ --c"""._.-:-'
. :' 3, what after ___ -----'
", 4, Subtract nUYrllier3rrorillniriiberV' , '. , . .
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Ha?ard Insurance AffIdavit Data 'Element. '
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The P309 screen utl!i;e'd to Hazard .. nce figtIres block,
Tax Disbursements Affidavit Data Element
The P309 screen Is utilized to validate the Tax Disbursement figures In the fee block,
WFHM Affidavit Processing Training - PAP Workboolt
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WFHM Affic!avit Processing, Training
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PMIIMIP Insurance Affidavit Data Element
MIPlls used to first validate MI exist on the loan. The P309 screen'is utilized to valldate'the Mortgage
. Insurance figures in the fee block,
11IP J .;:;.:;; ________ MORTGAGE INSURANCE 02-23-11 15:56:4B
NAI1E it :;;t-mHi",; TYPE CONV. RES. ARM
PROP -/i,,'Fii iJC",j;i' t ;;a.\;', liAN [( GROUP
-----HAIN------------------------------------------------------- POOL PMI -----
ACT SEQ OV PAVEE TRll DUE DISB AIIOUNT BILL ADJ FL VP PAVEE POLICY
02 12 .00 Y
III TYPE LPHI IND ST. TAX AHT- INV RSN CD AUTO TERli _
CONP ... [ill RHS RATE % PRI III COV PROP VAL PURCHASE PRICE LTV
I 0.0000 0 162.4
-----_.
ACTIVE FORECLOSURE, FULL SETTLEMENT 01/15/09
LOSS HIT IUD = I DIRECT TO RISK COMPLETED LOSS MITIGATION
LOAN IS IN FORECLOSURE, FIC STOP = 4 650 DAYS PAST PROJECTED LEGAL DATE
PAYEE ----DISBUR5EfIENT AND REFUND 11ISTORY----
mill NO PAYEE HEADER UN)! TVP PAYEE DUE PAID A!IOUNT
NO DISB OR REFUND HIST
Corporate Advance Affidavit Data Element
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WFHM 'Affidavit Processing Training
Corporate Advance amounts entered In the affidavit are obtained using P309 screen 5. This block will
usually encompass any data element that Is advanced on the loan. Some of the data elements found In
Corporate alreadY Itemized In the fee block. To access this Inf?rmatlon you will take
the following steps: .
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1. Enter "P309".!nto the screen field. Hit Enter.
2. Put "S5" at the bottom right corner. Hit Enter.
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WFHM Affic!avit Processing Training
1. Applied - date the fee was applied to the account
2. Due-datethe fee was due, as well as the due date of the loan
3. TransactIon code - thIs Is a code that denotes the type of transactIon that took place.
ThIs code will help you whatthe fee was for.
NOTE: If the transaction code begIns wIth a "6" (DebIt), you add to the total. If It beglns
wIth a "7" (credIt), you subtract that amountfrom the total.
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p309 I_N ou.:':o MORTGAGE LOAN HISTORY SCREEN 5 03-07-11
E "_. ". mV-L"l OlO-135-OC:-
A
- "z nUE 03 .. 15-10 TYPE 13-/1
3R 85 NAN 11 I'-T1PE 1 INT ,05760C";:; FIRsr P6 242,676.66 2ND PB .00
'IUD .00 iIET 1313.12 SF.OOOOOOOO SUSP .00 Sl'OP II S P F II A D L
,EP .00 ReS .00 0 0 0 3 0 0 0 0
APP OS-02 02-22 02-21 02-19 02-12
DUE 03-10 00-00 03-10 12-10 ClO-OO
:L 52 Ot) G 30 co. 1 61 DO 3 51 00 G 31 00
PROCESSOR ICL CHJ;.
MRe.C rep 1'0 . flO 974.76 ,00 .00 ZOo vo
1,054.76 80.00 30.00 80.00
,:,U AU U'.J .00 .00 .00 .00
31<0 CP BAl .00 .00 .00 .CO .00
i'!ftC CP f>J) .00 .00 00 .00 00
NRI<C BAL .00 .00 .00 .00 .00
CORP PAYEE 99RO<1 S9RG1
FCAT03?50lJ ASF'OL I'J.UNIV
REAsotJ CD i-O\f- r-:':PI
ROC
PAYEIi:
NPL ID
Mf.m CK NO
PAGE 001 OF 008
6300,67319
TOTAL TMHS f.'/AII.ABlE 0037 mAN
/sl
4; HIt "FS" untH this balance clears out to zero.
Note: It.doe; matter if the loan:has beyond the that t!ie .chargeS cIear.autto
In the screen beloW you will se.ethe loari,zero's outon 11-13. There listed
for 10-91, however the corporate advance was cleared after that sa we do not worrY about those
charges. . . ' '. ' .'
WFHM Affidavit Processing Training - PAP Worl(book
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Use since the
advance 1n 'accotint any credli;s' th"at appear on'
the loan. ':.;' , , '.. ," '_d'" ' ',- ,
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Property fnspectfon!Preservat/on Affidavit Data Element
Property Inspection/preservation amounts are found In P309; however, at this time PAP does not
collect these fees on the Judgment Affidavits. '
WFHM Affidavit Processing Training - PAP Workbook
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Bankru"tcy NfliliJv!t Data I'lement
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and 'C,Ol','tS . In the affidavit are using P309, 5 or
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P309 LN " HORTGAGE LOAN HISTORY SCREEN 5 03-03-11
NAHE :.: ;-:'::.;_,:z.:: INV-LN 010-001-0022261135 DUE 03-15-11 TYPE 13
BR 99 HAN B P-TYPE I HIT . 0515000 FIRST PB I I 1,237.23 2ND PO .00
HUD .00 NET 693.87 SF _00000000 SUSP _00 STOP 0 B P F N n 0 L
REP .00 RES a a 0 0 I a a 0
APP 02-28 01-28 12-30 12-30
DUE 02-11 ' a I-II 0 1-11 0 1-11
TYPE/mAN/SEQ I 71 00 I 1 71 00 75 00 1 73 09
PROCESSOR
IlREC CP AD . 00 I I _80 .00 .00
IIREC 8AL 300. 00 .00 .08 _00
3RD CP AD . 00 .00 . 00 .00
'II
CORP PAYEE
PAYEE
REASON CD
ELOC
PAYEE
IIPL ID
mCR CK NO
PAGE G81 OF 094
630056B39B
TOTAL TRANS AVAILABLE 0020 OLDEST TRAN /SI
Handling Exceptions
Fixable by Reviewer Excepllon
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Fixable excepilohs and a new affidavit 'ls reprinted
Non-Fixable by
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Non-fixable exceptlons-fdllow a !i'eJect process
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Module 5: Signing the Judgment 'Affidavit
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!{ey Differences . .
CUrrently
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PAP uses the following system code.s In MSP to Indicate milestone.s in the affidavit process:
o TASK,FC7is - Approved Affidavit .
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WF,HM'Affipavit Processing 'Training
o TASK FC726 - Notary completed
o TASK FC727 - Affidavit Mailed
Correctly signing an affidavit once it Is reviewed
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PAP does not pass on the affidavit to a SharePolnt team. Once sIgned and notarized, the notary
prepares the flle for Imaging and shipping.
Notating MSP for completed affidavits
Entering the log code In M5.P
1. Enter log code FCDEBT (Approved Debt FIgures) along with all affidavit f l g u ~ e ~
Note: The Good Through date will always reflect the system date.
Module 6: Conciusion
Review
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During the training session.you have been presented with learning modules that will assist you In
completing PAP Judgment AffidavIts. Remember to always be 100% sure of the InformatIon you provide
on these documents before you sIgn them. These documents serve as legal documents durIng the
forecJosure process and you can be called to testify on theIr content.
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Appendix A - Official certification letter from the Office of the of
,the Currency (OCC) dated November 1, 2009
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NpVOlIIbeT 3,
l'4irlllll .. :s.:HattDll
VlclIl'mld.OIII
Wc!liJ fpigo fI',,*,;NQIionoIADsocl!!llon
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, .Al'JlUoiltloi WacljovlaMort!lJlli North 1o'ballonB!, ' ,
' : ' , l:mlllumO nppllOlllion lo:mlllgsih.\IQlr'IozlcdlmDkwllhlind futooW&ll::llIu::g,iJ llllllk, 0 " "
" NnIIm:lnl ,(i.sBoIilon,.Bl"""l'an..SOUIhDnkola ',, ' ' ;,;' ," , ,
, , ApplloJIliOll, Nmo.1>!ni"'20Q9.}4L-1)-ooo1lUld ..
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(OCc) o:f1h. '
',:IJimi" Wo1Js.lIlIlJi<l BlO11I SOu1J:rrIOst, 1, 2009: '.l11isls
!I1SO,the offia!IIl ,IIOrtI6cutioorlll motga 'Wells l'aigiJ'!l;ru.: So1ltl!west, ' : "
" rmd inlo'l'1ol111lllugo lllllli; NJIliom>l A.socl.ili<m, IllDUx P.alIs,'S011Ihll*OIll, '" '
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, .l'Iavcmbllt 1, 2009. , ' , " , , " ,
, bll'l; CODIllclmeill'(202) B74-Sl94 O)"o-;v, cll18ll nl:, ", ' ,\
. , IlOIllIOllllJinb":""I11lDI'bi:ra " ' "
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Appendix B NotiCe of Amendinent 'of Charter Bylaws letter from the Office
ofThrift Supervision (OTS) dcited.No,!ember 19,'200!
Of!ce of Thrift ' ..
Dopartll!eDt oft1l.e '.l'!elL9WY ..
. lIIo/lo/fJ3 J. DJ'''
." '. JlI.!IstI11ltl/'CicmtdDlr6ctOl' "
JonIpctO.Sen.llouJoml. s.ltGOSo, Iloly Cifl, CIt. 940i4-1916 :
P.O.Jloxll!5. SinF_l!oo, CA.'412Q.116S To1'P)!On"(6SO) (6;0) 74507001
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lolmA. Stakei;Bsq. .' . , .. .. . ': ....
VioaP.reslilontandksllllantGeneo:alCounsel .... . '. '. . . . ..... ' ..
Car.POration
Legal Division '-NC06S0'
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301 S01Ifh ChlIrlotte Street
Cllailottc, NO WS8' .
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Dear Mr. Stoker: .
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. Re: World Savings Bank, l1SB, Oakland, Capfomla
Malice of.AmmldJnentofCbmterandllylaws
This isinrespollS01o your 8;.20in, with enclosures,.which YOll
filed Officeof'lbrift onbelWfofWOIldBavblgll BIUlk, 17SB
10 amend thoMvlnssbllllk's a1utrIar bylnwsw ohangs !ts =0 WachoviaMOItgage.
"ESB!llld rcfleohi ohange in the looa'tioll ofilBb.ome offiCe. The neW bome offiell lid<lr\$a
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Is 6825.A11an!o ParltwllY . North1as Vegas, Nevada,
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Thbfustul)uonmetthot6quiIemtmt!tof12 c:F.R. 552;4(\)) !llld552.t!(b)(2),.!md the
proposed limendmentS will offeotlve Deoombat 31, :2007; as sat'iorth. in 1h .. Board 6
Directms' resolution ado;ptingiho chlmgas to the ohin1er"andbylaws, The.flliugalso met.
thetOCj\liroment'of 12 Bavlngs.?aD!<no1lfy1he if,there in'll :.
c.hahge in pC)D)ancm address ofilsb.omo office.. . .. . : " ..
Please fuel to (6S0) 746-7025 if theta are anY
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'co: RobertBUlllJ,FDICAfumta
Sincemly;
. it-ok-&" T :J)r .
Nioholas J. Dyat
AsSistantRegionalDiteetor :
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Appendix C - Articles of Combination .. dated and effective December 31,.2000
.AlU1CL'BS OF COMBWATlm{
WORLD BAVlNGS AND WAN ASSOCIA'l1ON.
AJ1l3DBE!>L BAY1NGS AND J,OAN ASSOC1A'l'lON
T.E!ESBAR:1'let.Bs 0'P as 200D (tho
".Adlol.es'? ens adopted byWorldSav1nga l3acl<.IISB,:a fbd!lmlly bank'\Vllh.!fs .
p.duciplll lit !90rl!lllrlsan Sb:cllf, Ollldund, Cn1lfornla C'l1BB") tlIId by Wol'ld
." Savlngl! <rodLoan.AllsoclatlOll, ePedetlll Savings and Lo'1l1,AssoolattQll. with lIS prinolpal ofioes
lotlalcdat 1901 :e.mson Street, Oakland. Callfomi'a. C'WSLA!}.
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ofWSLA "",11"SB havednly.mlo,ptd BIId
Bpprollllti Mcigorlllld thDl'Jan ofCQmblnnti01l, as
" AND WHBRBAS.tho 'PIan oCombirurtlon set-forth 11erclnhas beM. by aU
tho oi'PSB. .
.AND WHBrulAS, th9Plan ofCombinllllon aeUorth herein has be;l1l!.P,PIOVllti by 8lI
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NOW. Tm!ll.I3FORB, thcs ofColnbinatlon lUll ner.by ndopmli.
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.ARTICLBI
pLAN OF COlldBlNATIGN
. 1. t. Th'PTnu9fCmnblnalkm, This:tll;lll or combInation (th. "l'Ian of CQl!1blnatlon")
sob! iorilt tb:Jtanns aftho wIth Mci Into PSI! (th.e wIth PSB '
IiUwlvmg(lho "SllrVivlllg Instirntiol).'l), and the WSLAshateboJder iccehflDg.tlle Donsldatnll.tm
1.2. Effeot ofili. Merw;. From BIIda!terlhc Bfi'colive Tim. (lIS botelnoftcr defined), the
8tuvlvJng lnstltulioD, U! afederal saving. bl!llk, is andl;h.n be oDllSldered tho Bl1aID bnsiru>ss aud'
(iOljlomto "".h ofWBLA jlJjdFSll, and ell .assotsandpio,p.t!yofllSll QIld WSLA,
w!lhOll! ilJrtber.@I,J$lhel'roperly of tho SlllVlvlnS JiletUutlon to tho SlIIlIC COItent as !!beyworc
111. ptqpMty ofWSLA lU1d FBB, and Ihe Burvi'ling lnst!tutlon tBed'shaU b. noontinUallon of
FSB tlnd WSLA. All rlgbfs and atWSLAehllllnmlliD linimpatred,-andFSB, allho
llf!bO!ive TIJIlo, Wooeeds 10 IlIl tbos. rights aud "bllg.llons, BUbjeutjO th.1romo Ownel!l' LIlllIl
Aol Uld olb ... BppUcalii. Tho Sorvlving JilslilUtlon Is ll!\d shllll be subjcctlO and bl>
doomed to.haVo assumed all o!tb. dobls, obUgatio'1l3 and' dull.", otcl1llh ofWBLA and
JlSB andaucoccil.l0 <Ill of eaoD. oflhofuol.tlOll.Olhlp", fiduolnzy ot o!her",I ,.s:!\lI1y OIld to th.
sllmO extent cS if such properl)' rlghlB;prlvnogos, pow ..... francbises, d'ebl8, duti ..
and rolationships hed been orlgintUly IUIquJrod, jnoumd or .ont<:red into by the SurvJvjng
institution. In cddltlOll, nnypondtngaotlon or othor judlolal prodeodins'to whioh clther ofWSLA.
or FSB Is n l'nrf;y .hall Dolbo dcellled to llave abaled or to ba.ve dlaoontlnued bylOIl!!On nftho
Morgl'l", bntIIlnY b" prosoOllt.dio itnalJudg!lletlt, or do.reolD tho.samo manner .. iftbe
Merger had llotbeen or1M SIlMVIlIg Instltutlon rony be aubst!\!lIl:d as a party to snoh
action otproccedlng, tuld order or doore!> may bo renderediO! or lI!l'1iDflt lt1hat
might hava bennrendmd for or .linIust elthor nfWSLA or PSB ICthe Merger bndnot
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ltirect!va TIJ\1f1, thBdirecla!'B and oflleara oell!o SIl1'I'IvJn.g 1ns!l!utlonM! l!.1let
aIw11 flD deslgnuted hi Bellllon 1.5.
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U, &l!l!!Imr. :Fha Cht\tlerotllSl>
prlorto IhD IIQlainended by !he Metger, blltsbBl1 crintlJnlefl! \ha CharterQftha
Sumv"AlS !Ilstilllllon 1IllTe.iGl!.1ld until olhCtWIBe amudlid aa ptovlded bylaw. . '.
'. .1.4. klm
prior to lh$:BftectW4 Tlmo abll11 llS. o1't/1$ Sutv1v1n,g rnmItuIlon \lIlI!t.
oIhe.tWlsa flIw. . .
1.5, DltMtomlll!q .. Tied!reclorB andcflii:';ra of.PBaaAilE.themrooi!veThn".
shall cOlllmtll! millie dUeolO1ll nnd-o!l'roexs OflboSurvivmg'l'nstilutloll, cl!angcustruJ
Bolltdoflllmlolll or s1\arDholdor ofthB SurvivIng Institution shollctctotmlllO'ln aorol'llllllcowlth
tho byla.w.
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1..6, EMI!lOffJoe: Thobe olIlcallfilSll shsll be tho hOIllll offiao SorIivlng
tnstll\lllon, ..... . .. .
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1.1. Efti!ctiya Tillie 'lll.d Cloelng,' Tho MWe\' Is llfieotlvo Peoembor 31, 200D, fo1lowlJ1g
.. tllOl'=eJlipt ofan I!llcessuytegidatory IIpWva!s, !lie 62tlBfhnilon ofall condi1!onsoonfaimld in - :: ...... - "
snoh Ilppl'l)vnIs, illItIIioationand DJIiu:o'9iIl'Jiy all:nnCOSBar,YtogUl/rtOJj' mUhorities of tho lif
SII(lll effiwfivenol1S, end IhQ e;tpltiIt!OJi ofaU sfa!il!ctyw!Iillog:p!lliod.!l in tespeat iIweof (!be
"
1.S; ,QmvnWl!ll'Jj:gwlroonWnok.
,'hara, ofWIILA CllllUllOll StoQk'?,!ssued AlId outstanding Immeil.latslyprIott? ibn
;Bfil!ot!ve 'l'Imo, It, by vlr!tw nnynottotl lin tMpl\tt ll!hO hohier
Ihl!teof, oi'COJIlIllons!ockllfl1Sa, . .
A:R:I'.!CLB ]I
. AfPROVIlLOF))lREO'l'ORSANDSl:tAlU!:a0WEM 01 VlSLA
. C!ivJtsJjpitlrui. The :mthorized
. sbaxes ofWSLA CommanStock, S1011lll'value, ofw:bieh15,OOO
shm5qfWS.LA. COllllllon oUl6Isndlog, .An \ssuC\iJllldoufstan(ling sliares
fWSLA COllUllon Stock:wero{luJy $ut1IorlzMand JIlld .'
.l1ClIllSsllSSnblo. <. -... .'.
. .
i2. 8Jll'9Ynl. Tho oODSllIIIDlalwn oflho ItanSSUtiODS aonmmplatedby these ArlioleSwas
, dulYlllId "I'1II11ll)' 1!ppnrlled almrehalJ!cl>. and by !lie l3ll11Id ofDirectoll1 ofWBLA In . .
.lICcordtjnce with !he CharterofWSLA Bnd app!icablelnws md r.ogulatlone. .Alllj,OOO
onfalnndl!!g SlmrllS ofCo=n StnakofWstA worevoled for tho MJlrsli:nO shares W/)IIi v.oted
ngeinsl!he MlItlIcr. Extep! for such nplJWl'a!s, no athot corporato proceedings on tlu! 'pa:ctoi'
WBtAaremee.9BlIIYto !Ilmaftlions$o contemplated. Thesc.Allioles havo beon
{\uly and valIdly mQutcd lllld WilLA. .
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ART.tCLB m
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APPB.OYALQFDIRECTORS.A'NDSHARBROJ,DBrulOlIFSB
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s.1. WI!a!WHon. Thoauthorlzc:d
Me:tgm'. colJsbll\d:of30,OOO shares ofFBB Comml1liBllIok, $10plltvalno, ofwblcb 15,OO(}
CoJlllllOllStoakmxoiBmled!llldo1l!stimdlng, AIIlBlI\lcd.andwtslalldlngalulm of
l1SB and VAUdlylaBucd, 1IlO:1iIJlypald,
. A1l'prOY!!1. QftbG trDnsao"Dns by lh=Io Art!oJI:S VlII8
daly and valldlynpprovcdliylhe ahl!(o!)ol\let nod by the I)Dhrd orn,Jreotottl afllSI! in aooordnons
with tho cJim1er ofliSB Il!)d nppllQabl6Jawa mid regulnt!on:j, AU 15,000 oublnIuling/llnn'es.'()f
' CTu:!moii al-.aillS 'WailIwllld 2g-.h1st th3 Ma.-ger.
Bxccpt!Q181lQh approvals
J
9J1 dulplltt pfFBB aro neoessaryto
oOllS\llllllla!lfllo tmnsuctlOllll ao ccDlllmplulod. Tlleso ArlIo!C! bavobeen d\Il;y ana vaUdly
by:FSB.
. INWITNBSS Wl1JlimOP,1SB by
Ihcit duly alilhorlu!1 llII oflho (Iny
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World SAvrogallaDlr,l'Sll
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By; ,f/!!ftI!8Ikof" . ' ....
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World S1lvings and L1lJu\.AssoaIaUon, allodeml
SavillssltndLoJUiAssoclBlion
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By:
ScnlilrR'Ccoullvo Vioali're3lden1
.'
, Sccretmy
Vorificd by:
lljl sonloiVioe President
'.
GrOllp k<>PIeSldent
WFHM Affidavit Processing Training - PAP Worl<book
For Internal Use Only
Page 26
WF394
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WFHM Affidavit Processing Training
ART/Cum OF OOMBlNA110N
The'foregolng Arlloles of Comblnalfon concs.mlng tha merger of World .
SavIngs and Loan AssociaUan, a SavIngs and Loan Ass{Jclatlol1,
Oakland, CaIlfornIa. willi and infOWorfd Savings Bank, FSB, Oakland;
C:allfomla, wet&"flled wllh .the Corporate Secretary ofilie Office of1hrlft
SupervisIon, and endorsed pursuentto 12 p.F.R. Section 552.1?(J) ofilia Rules
. fgr Federal Assoclallons. aniNe the:!?! day of
,2000;
, ..... - OFPlCa Sit THRIFT SlJPImVISlON--,--- _ .. -
D!l)lartment of tbe 1\'aasury
By: ;.,:.:.;'
NatUne-Y.
Its:' Secra!aJy
..
WFHM Affidavit Processing Training - PAP Workbook Page 27
For Internal Use Only' .