Flallstar~ 5151 Corporat", Drive

Troy, Michigan 48098-2639

Phone: (248) 312-2000
"~Bank www.f1agstar.com

Dear Flagstar Customer:

Flagstar Bank reviewed the pending sales contract on the above mortgage loal ance with the terms of
the Pre-Foreclosure Sale Program.

This letter will confirm our approval of the pre-torectosure sale of this props ntingent on the
conditions listed below. If any of the conditions listed below cannot be met, will not discharge its
lien. Please make sure th t all instructions are followed r r re uest to avs andJurther interest
accruals.

• THE SAlE PRfCE IS TO BE NO LESS THAN $178.000.00.

• REALTOR COMMISSIONS ARE NOT TO EXCEED S1tL680.00.
• SELLER'S CLOSING COSTS ARE NOT TO eXCEED $12. 184.M.t
• PAYOFF FOR 2ND (CitiMortgage) NOT TO EXCEED: $3.000.09.
• NET SALES PROCEEDS ARE TO BE NO LESS THAN 152135. 4 SHO~LD BE MADE
PAYABLE TO FLAGSTAR BANK. THIS FIGURE SHOULD BE RE L~ ED A THE DISCHARGE TO
THE FIRST MORTGAGE. NET PROCEEDS ARE TO BE RECEIV 0 .

_iII_._
PR 5S MAIL THE NEXT
BUSINESS DAY ALONG WITH A SIGNED COpy OF THE SETTL M STA EMENT.
• SELLERS ARE TO NET $ -0-.
• BUYER(S )NAMES ARE:
• BUYER'S FINAL LOAN APPROVAL lETTER TO BE FAXED TO 888-il3! 77121NO LATER THAN:
08115/i009.
• SALE IS TO CLOSE NO LATER THAN 08121/2009.
• A COpy OF THE HUD·1 SETTLEMENT STATEMENT IS BE SENT FOR OUR
REVIEW AT LEAST 48 HOURS BEFORE CLOSING.
• APPROVAL IS VOID IF BANKRUPTCY IS FILED.
• NO MODIFICATIONS CAN BE MADE TO THESE TERMS W/THO

AODrovalleHer.doc P::IOA 1 nf3 All nAn~

Flagst.~' 5151 Corporat~ Drive
Troy, Michigan 48098&2639
Phone: (248) 312~2000
--~BanIc www.flagstar.com

Page 2

• ptEASE MAKE NET PROCEEDS CRECK PAY ABl,E TO :1 ~r lRank,FSB

After closing, please send via FedEx a copy of the HUD•• Settlement *~"pnt.''N1et Proceeds Check,
Original Promissory Note (if required), Assignment of Escrow Disct~ur.l~t~tem~ntf and the release of
liens, if any.

Please be aware that Flagstar Bank will be responsible for executing the rru!~~
relea~e of lien and
reconveyance immediately after receiving the net sales proceeds and all 0 her c sing onditions are met.
Flagstar is also responsible for flIlng any cancellation of Notice of Trustee'
rescission of any foreclosure that may have occurred, or cancellation of an
is already in process.
e at h Sa
been recorded.
01 t
pend n9 forectosure action that

For your convenience, we ha.ve provided the complete ma.iling address anJ a ~cfjtact p~rson at Flagstar:

10245 Centurion Parkway N. Suite 305

Jacksonville, Florida 32256
Attention: Nicole Phillips

IMMEDIATELY FOLLOWING CLOSING: Forward a copy of the HUD-\ S lenlf~ntSta~ment and Net Proceeds
Check by fax to my attention at (904) 854-7701. .

Notwithstanding our approval of this short payoff, Flagstar Bank, FS ,~s~~es t~e right to withdraw
approval at any time and demand full payoff prior to funding.

Should you have any questions. or: reQuireadditiona! irrtorrnation, please ~U ~ 11t (8881'1736-7712.

Nicole Phillips
Flagstar Bank
Loss Mitigation Department

.4 nnf"'f'nl!:lll 'gft .•••.

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 I

Flagstar
.- & # ••__•....
Q!I I Q1151 Corporate Driv(t
Troy, Michigan 48098-2639
Phone: (248) 312~2000
fi baaaaa" aa.•••. WVIIoV, flagstar.com

ASSIGNMENT OF ESCROW DISCLOSURE STATE IVIt

ACCOUNT NUMBER IIlultm

NAM E:
I
BORROWER(S)

I!WE hereby transfer fly/our current interest, and aUfuture refunds, in the ~so P\ aCCOl nt, to include the hazard
insurance policy, pro erty tax, private mortgage insurance and any other it ~m t;) eserov ~ on the mortgage to
FLAGSTAR BANK, F .8.

Daniel Hydzik Date

Ewa Hydzik Date

A •••.•••.•••••.
,,""I I••tt", •. ,-inl' 0 •••••••• ~....r:"!Z All I\,QI\n
08/11/2009 07:33 TEL ~001l002

ern mortgag \lIl

August 11 2009 J

RE:~. n _
Security Address. Niles Il. 60714

Account #: SF? un w
Ilalance: $50,305.49

Citimortgage Inc. agrees to accept i5,000.00 to settle the account in full ,id Ieaselthe lien associated
with the above referenced account. I

This amount is due in our office by 08/28/2009 or may be subject to inere I '1 Plea* make sure that all
payments are sent in a CASHIER'S! CERTIFIED. OR TITLE COMP eck, $lade payable to
CitiFinancial, via OVERNIGHT mail to"

CitiMortgage
Attn: Michael Renner
Transaction Processing
1000 Technology Drive. Mail Stop 504
O'Fallon, MO, 63368-2240

For Wire TRANSFERS:

Wire to: Citibank Delaware

ABA #: 031100209
Credit To: CitiMortgage Inc.
Accounts #: 38796956

Wire Memo Info Required: Release of Lien

Customer Name: _ill•••
Customers 10 Digit Account #3IIi:i'T1IIIi10

Please contact me at 469-220-3490 should you have any questions or ems regarding this account.

~?JJ
B~r
CitiMortgage
Recovery Specialist

CHOSE04(ll-99)-hOS.dot
08/11/2009 07:33 TEL ~002/002

This is an attempt to collect a debt and any information obtained will be usedltoi

If you are represented by an attorney, please refer this letter to your attorney Irovide ue with the attorney's
name, address and telephone number.

To the extent your obligation has been discharged, or is subject to an automatic under ~he United States
Bankruptcy Code, this notice is for compliance and/or informational purposes 0 nd does not constitute a
demand for payment or an attempt to collect such obligation.

Whenever more than $600.00 of a debt is forgiven as a result of settling a debt f the balance owing,
we are required to report the amount of tlJe debt forgiven to the-Internal Revehu n a l099C form, a
copy of which will be mailed to you.

CH0.5E04(11.99)·h0.5.dot