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Case 3:08-cv-00474-LAB-JMA

Document 4-3

Filed 04/17/2008

Page 1 of 3

03/16/07
PAMELA J CRUZ

2301 SUNSET BLVD 11407

ROCKLIN CA 95765

HE:

Account Number property Address

0292090247
2563 FLORA

DALE WAY

LINCOLN CA 95648-0000

Dear PAMELA J CRUZ

Ne wish to advise you the servicing rights for your mortgage account referenced above have been sold. Effective 04/01/07,

SAXON MORTGAGE SERVICES, INC will be your new servicer.
rhe original terms and conditions of your mortgage account will remain the same and this transfer will have no effect on them.
Effective 04/01/07 i please direct payments to SAXON MORTGAGE SERVICES, INC payments will be applied to your account by GMAC Mortgage recei ved prior to 04/01/07 i or forwarded to

if

SAXON MORTGAGE SERVICES, INC if received on or after

34/01/07.

If you have an escrow account, GMAC Mortgage ~ill send you, within 45 days, an escrow history statement reflecting escrow deposits, disbursements and balances for the ,eriod of time we serviced your account since your last escrow inalysis. The transferring escrow balance with our company up :0, but not including 04/01/07, will be reflected on this

3tatement. GMAC Mortgage will also provide
~n Annual Loan Statement at year end reflecting all transactions for the period of time we serviced your account during the

;urrent year. SAXON MORTGAGE SERVICES, INC will provide
:heir own statement for the time they serviced your account this

¡ear.
(f you currently have automatic withdrawal from your financial .nstitution, this service will be transferred to

~ VVS-f VVV

Case 3:08-cv-00474-LAB-JMA
03/16/07
Account Number 0292090247 Page Two

Document 4-3

Filed 04/17/2008

Page 2 of 3

SAXON MORTGAGE SERVICES, INC If this se~vice is not

providing further direction.

transferable, you will receive a letter unde~ separate cover

If you currently make your mortgage payment through a third party entity (e.g., government allotment, biweekly, or bill-pay service), please take the necessary steps to advise them of your new account number and change the payee to your new servicer. In the event of a payment change, it is your responsibility to notify the thi~d party of the new payment amount.
If you have taKen advantage of any of our optional insurance plans or optional products, this service will be transferred to

SAXON MORTGAGE SERVICES, INC If any of these plans or
products are not transferable, you will receive a letter under

separate cover providing further direction.
You should also be aware of the following information, which is set out in more detail in Section 6 of the Real Estate Settlement Procedures Act (RESPAI (12 U.S.C. 2605). Du~ing the GO-day pe~iod following the effective date of the transfer of the account servicing, a loan payment received by your old servicer before its due date may not be treated by the new account servicer as late and a late fee may not be imposed on

you.
Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights. If you send a qualified written request to your account servicer concerning the servicing of your account, your servicer must provide you with a written aCKnowledgement within 20 business days of receipt of your request. A qualified written request is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and your reasons for the request.
Not later than 60 business days after receiving your request, your servicer must make any appropriate corrections to your account, and must provide you with a written clarification regarding any dispute. During this GO-day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request. However, this does not prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents.

Case 3:08-cv-00474-LAB-JMA
03/16/07
Account Number 0292090247 page Three

Document 4-3

Filed 04/17/2008

Page 3 of 3

A business day is a day on which the offices of the business entity are open to the public for carrying on substantially all of its business functions. Section 6 of RESPA also provides for damages and costs for indi viduals or classes of individuals in circumstances where servicers are shown to have violated the requirements of that section. You should seek legal advice if you believe your rights have been violated.

SAXON MORTGAGE SERVICES, INC will be contacting you to
acknowledge this transfer and provide you with their payment coupons. If you have not received these coupons before your next payment is due, please write your

GMAC Mortgage account number on your check
and send your payment to the following address: SAXON MORTGAGE SERVICES, INÇ

FORT WORTH TX 76161-0 1 05
Phone; 800-594-8422

POBOX 961105

and verbal inquiries.

Future inquiries regarding the servicing of your account should be directed to SAXON MORTGAGE SERVICES, INC Please use the address and telephone number indicated above

for both wri t ten

It has been our pleasure to service your mortgage account. We wish you a successful relationship with

SAXON MORTGAGE SERVICES f INC If you have any questions
regarding this transfer, please contact Customer Care at

B66-725-0782.
::ustomer Care

Loan Servicing

6020