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Housing Discrimination InformationDepartamento de Vivienda y Desarrollo Urbano Oficina de Derecho Equitativo a la Vivienda U.S.

Department of Housing and Urban Development Office of Fair Housing and Equal Opportunity

Instructions:(Please type or print) Read this form carefully. Try to answer all questions. If you do not know theanswer or a question does not apply to you, leave the space blank. You have one year from the date of the allegeddiscrimination to file a complaint.Your form should be signed and dated.

HARMED CLIENTYour Name

AEQUITAS STREETYour Address

SOMEWHERE USA 12345City State Zip Code

M-F 9am-5pmBest time to call Your Daytime Phone No Evening Phone No

Who else can we call if we cannot reach you?

MY ATTORNEY M-F 9am-5pmContacts Name Best Time to call

BUSINESS PHONEDaytime Phone No Evening Phone No

What happened to you?How were you discriminated against?For example: were you refused an opportunity to rent or buy housing? Denied a loan? Told that housing was not

available when in fact it was? Treated differently from others seeking housing?State briefly what happened.

I was discriminated against by being granted loans I never had the ability to repay and was told these

loans benefitted me because I was Hispanic. I was subjected to a bait and switch because I was

Hispanic, and steered to a loan which caused me harm.

I was granted a refinance loan in May of 2008 after being contacted by the same mortgage broker

who refinanced my loan in 2007. I was contacted every month by the mortgage broker offering me a

better deal in the future when interest rates declined- I was called approximately 1-2 times per month

as a reminder.

In May of 2008 I was told it was a great time to refinance to get a better rate, and since the value ofmy home increased I could also receive some cash to pay down some consumer debt. The broker said

he would reduce my term to a 20 year, and reduce the rate so I could save about $100,000 since I

was paying over a shorter term. I was also happy to hear I was pre-approved for the loan, and when

8/2/2019 4 Complaint Filed

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Housing Discrimination InformationDepartamento de Vivienda y Desarrollo Urbano Oficina de Derecho Equitativo a la Vivienda U.S.

Department of Housing and Urban Development Office of Fair Housing and Equal Opportunity

he told me he was doing the same for many people in the Spanish community, to help them realize

the American dream, and help them save money I felt very comfortable. I didnt even have to give

my social security number to have my credit pulled. He assured me since it was a FHA loan that it was

perfect for a refinance- in addition he said it would benefit me like the others in the Spanish

community because the FHA loans have lower closing costs. He also said this was something theywere doing for Spanish people everywhere, not just in this neighborhood.

An independent expert analysis showed that 77% of my income, at origination, was devoted to the

repayment of the principal and interest payments, taxes and insurance of both of these loans. The

analysis also revealed my property may have only been worth as much as $503k, not the $580

according to the application. In addition the $100,000 that I was supposed to save over the life of the

loan was proven to be misleading and false.

Why do you think you are a victim of housing discrimination?Is it because of your: Race, HISPANIC

Briefly explain why you think your housing rights were denied and circle the factor(s) listed above that youbelieve apply.

I believe they allowed me to agree to a financially harmful loan I never had the ability to repaybecause of my Race: Hispanic. I feel this is also the basis of them not being willing to work on aloan modification for my situation.

Who do you believe discriminated against you?For example: was it a landlord, owner, bank, real estate agent, broker, company, or organization?Identify who you believe discriminated against you.

Bank of AmericaName

Where did the alleged act of discrimination occur?For example: Was it at a rental unit? Single family home? Public or Assisted Housing? A Mobile Home?Did it occur at a bank or other lending institution?Provide the address.

My HouseAddress

When did the last act of discrimination occur?Enter the date December 11, 2011Is the alleged discrimination continuing or ongoing? Yes__X ___ No_______

CLIENT'S SIGNATURE December 26, 2011

Signature Date

Send this form to HUD or to the fair housing agency nearest you.