Certificate of Exemption from Foreclosure Mediation
Undersigned counsel hereby certifies, based on reliable information provided by Plaintiff, that this foreclosure
action is exempt from the requirements of foreclosure mediation under 12 V.S.A. §§ 4631-4637 because
either:
☐ The loan at issue is a commercial load, or
☐ The property is not a dwelling house of four units or less that is occupied by the owner as a principal
residence (explanation of basis for statement attached), or
☐ The property is a dwelling house of four units or less occupied by the owner as a principal residence,
but it is exempt from mediation requirements because:
☐ The loan is not subject to
• HAMP (federal Home Affordable Modification Program)
• any loss mitigation program for loans owned or guaranteed by Government entities
(Fannie Mae, Freddie Mac, U.S. Federal Housing Admin, U.S Dep’t of Veterans’ Affairs)
• any loss mitigation program for loans guaranteed by the U.S. Dep’t of Agriculture-Rural
Development that are not owned by an instrumentality of the U.S. or the State of Vermont
• the National Mortgage Settlement Agreement
• any settlement agreement with a government agency, or
• any state or federal law or regulation affecting loss mitigation;
AND
☐ Before this case was filed, , a representative of the
plaintiff bank or
creditor seeking foreclosure, met with the following homeowner(s), ______________________
and ____________________ in person in Vermont on ____________________, to discuss
applicable loss mitigation options (explanation of
options attached), or made reasonable attempts
to have such a meeting (explanation of attempts attached).
Certified on _______ ______________________________________
Signature Plaintiff’s Counsel
Homeowner: If you disagree with any statements above, you may file an objection in a separate document
at the time you file your Answer, describing what you believe is inaccurate. Send a copy of the
document to the Court and Plaintiff’s lawyer.
