Shellpoint Loan Modification

Loan #0677798944 | 138-42 76th Ave, Flushing NY

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Date
Pages 1-2: Mortgage Assistance Application
Borrower: Chiya Yosopov
SSN: 836-38-7262
Phone: (929) 250-7934
Email: chiya@gofreedomlaw.com
Property: 138-42 76th Ave, Flushing NY 11367
Primary Residence: Yes | Owner Occupied: Yes
Goal: Keep the Property

Hardship: Long-term (began Jan 2024)
Type: Reduction in income, increased expenses, multiple foreclosures, child support enforcement, utility shutoff, bankruptcy dismissed

Monthly Income: $20,000 (rental)
Self-Employment: Net loss ($-2,300/mo)
Assets: $6,000 checking

Tax returns not filed 2024-2025
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Page 3: Financial Worksheet
Mortgage: $6,000/mo | Bal: $1,479,131
Child Support: $3,300/mo | Arrears: $100,000
School Tuition: $3,000/mo
Utilities: $400/mo | ConEd: $20,000
Personal Loans: $485,000 (Josh, Yanki, Betzalel)
Groceries: $800 | Transport: $400 | Other: $830
Total Expenses: $15,730/mo (excl. mortgage)
With mortgage: $21,730+ vs $20,000 income
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Page 4: Dodd-Frank Certification
I certify under penalty of perjury that within the last 10 years, I have not been convicted of felony larceny, theft, fraud, forgery, money laundering, or tax evasion in connection with a mortgage or real estate transaction.

SSN: 836-38-7262
DOB: 04/29/1991
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Page 5: Hardship Letter
Re: Loan #0677798944

Business at net loss (-$2,300/mo)... $2M+ total debt... $3,300/mo child support + $3,000 tuition... $20K ConEd... multiple foreclosures... Chapter 13 dismissed March 2026...

Income $20K/mo vs obligations $33K+/mo.

Requesting loan modification with reduced rate/extended term.
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Page 6: Profit & Loss Statement
Business: Lumen Leads Marketing (100% owned)
Period: Jan-Mar 2026
Revenue: $10,000/mo
COGS (UGC): $3,000
Expenses: $9,300/mo
Net Loss: -$2,300/mo
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Page 7: Letter of Explanation
Explains deposits over $1,000:
1. 879 Cypress LLC wires = rental income
2. Internal Mercury transfers = not new money
3. Jolt technologies wire = internal business transfer
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Ready to Submit

This will open your email with everything pre-filled. Attach the bank statements and insurance binder from Telegram.

Also attach: 4 bank statements + insurance binder + signed 4506-C from Shellpoint packet