Loan Applications and Modifications:
How to Ensure Your Client's Fair Lending Rights are Preserved

Friday, April 27, 2012
9 a.m. - 4 p.m.

Mid Manhattan Library
455 Fifth Avenue (at 40th Street)
New York, NY 10016?0122

Who Should Attend:

Pre?purchase and foreclosure prevention counselors and other staff from nonprofit housing counseling agencies, employees of fair housing organizations, Fair Housing Assistance Programs, disability rights organizations, consumer protection agencies and local, state and federal agencies. Attorneys and staff
from legal services and other nonprofit legal advocacy agencies are also invited.

Certain communities, particularly those of color, were targeted for mortgages that were unsuitable, non?sustainable and often predatory. Learn how fair housing and fair lending laws apply to your client's situation so that you are better equipped to identify potential lending violations and patterns in the mortgage application and loss mitigation process. You will learn that mortgage servicers must comply with fair housing and fair lending laws as they consider your clients for loan modifications and other alternatives to foreclosure.

The full day training will cover the following topics:

• Fair Lending and Equal Credit Opportunity Laws
• Loan Underwriting Principles and Potential Disparate Impact Identifying Discrimination in the Mortgage Application Process
• Fair Lending and Mortgage Loan Servicing
• Obtaining a Sustainable Loan Modification and Other Foreclosure Prevention Alternatives
• Fair Lending and Fair Housing Complaint Referral Process
• Information About Local Fair Housing Agencies
• HOPE LoanPort ®Demonstration
• New York Foreclosure Laws and Procedures
• Special Protections for Active Duty Military

Registration is free but you must register in advance to attend. There is a $25.00 fee for beverages and lunch payable at the time of registration. Register at: http://nationalfairhousing.org/tabid/4177/Default.aspx or go to the Fair Lending tab at www.nationalfairhousing.org.

Training participants will receive a Certificate of Attendance at the completion of the training.
Technical assistance from NFHA is available to training participants on issues relating to fair housing, fair lending and foreclosure prevention.