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Consolidation Extension And Modification Agreement. 11204 No revision date change 10206 Spanish Translations Added. NEW YORK CONSOLIDATION EXTENSION AND MODIFICATION AGREEMENT–Single Family–Fannie MaeFreddie Mac UNIFORM INSTRUMENT Form 3172 101 rev. The following instructions apply if this Agreement is used in a consolidation extension or modification of a single family loan intended for possible sale to Fannie Mae or Freddie Mac. Loan Modification Agreement Form.
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_____ County of _____ ss. When to Use CEMA When you enter a CEMA with a lender you agree to combine old and new mortgages so you dont have to pay the state transfer tax on the full and usually larger mortgage balance. Fill out securely sign print or email your New York Consolidation Extension and Modification Agreement Form 3172. While commonly used in commercial real estate transactions the CEMA or Consolidation Extension and Modification Agreement can also be used by residential real estate buyers and mortgage refinancers to save money on their closing. Consolidation Extension and Modification CEM Agreement Certified true copy executed by all parties and includes name and title of authorized signor. A CEMA Consolidation Extension and Modification Agreement mortgage allows you to consolidate old and new mortgage debt to minimize your taxes.
The language in Exhibit A to this Agreement is only a sample and may be revised as appropriate.
The following instructions apply if this Agreement is used in a consolidation extension or modification of a single family loan intended for possible sale to Fannie Mae or Freddie Mac. 1 All notes security instruments assignments the most recent consolidation agreement and related agreements that modify consolidate or extend prior underlying obligations and which predate this Agreement must be listed in Exhibit A to this Agreement. CEMAs and Mortgages A CEMA is a document that modifies the terms of a present mortgage and merges it with a new mortgage for the same property. Loan Modification Agreement Form. Agreement to Consolidate and Modify the Existing Notes. _____ County of _____ ss.
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For Mortgages secured by property in New York State that are documented using a New York Consolidation Modification and Extension Agreement NY CEMA the Mortgage file must contain the following. The language in Exhibit A to this Agreement is only a sample and may be revised. It could take two to three months to finalize a CEMA loan in the state of New York. The following instructions apply if this Agreement is used in a consolidation extension or modification of a single family loan intended for possible sale to Fannie Mae or Freddie Mac. CEMA stands for Consolidation Extension and Modification Agreement The purpose of CEMA is to avoid paying part or all of the New York mortgage tax usually on a refinance transaction but sometimes on a purchase transaction.
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The most secure digital platform to get legally binding electronically signed documents in just a few seconds. 11204 No revision date change 10206 Spanish Translations Added. 501 Instrument Last Modified Summary Page Last Modified. Must include a completed Notary section for both the borrower and lender signatures. Borrower agrees that this Agreement consolidates the rights and obligations under the Existing Notes and under all other agreements which consolidated modified or extended the rights and obligations under the Existing Notes.
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