New Hampshire Attorney General Michael A. Delaney and Senior Policy Analyst Ana Patricia Muñoz of the Federal Reserve Bank of Boston are encouraging homeowners who believe they were financially harmed due to bank misconduct during the mortgage foreclosure process to apply for a free, independent foreclosure review.

Attorney General Delaney stated, "This independent foreclosure review process can provide significant restitution to those borrowers who were harmed by the conduct of the banks listed below. My office encourages every New Hampshire homeowner who is eligible to apply as soon as possible."

To be eligible for review, applicants must show:

• The property securing the loan was the borrower's primary residence;
• The mortgage was in the foreclosure process (initiated, pending, or completed) at any time between January 1, 2009 and December 31, 2010; and
• The mortgage was serviced by a participating mortgage servicer (listed below).

If the review finds that financial injury occurred as a result of bank misconduct, the borrower may receive remediation such as lump-sum payments, suspension or rescission of a foreclosure, a loan modification or other loss mitigation assistance, correction of credit reports, or correction of deficiency amounts and records.

Lump-sum payments can range from $500 to, in the most egregious cases, $125,000 plus equity.

Homeowners meeting the initial eligibility criteria should have been mailed notification letters with an enclosed Request for Review Form before the end of 2011. The Request for Review Form can be returned in the prepaid envelope provided or completed online at www.independentforeclosurereview.com. The Request for Review Form must be postmarked or submitted online no later than December 31, 2012.

Borrowers seeking a new form by mail, who have questions, or who need help completing the form, should call the administrator, Rust Consulting, at 1-888-952-9105, Monday through Friday, 8 a.m.-10 p.m. ET or Saturday, 8 a.m.-5 p.m. ET.

The list of participating servicers includes:

• America's Servicing Co.
• Aurora Loan Services
• BAC Home Loans Servicing
• Bank of America
• Beneficial
• Chase
• Citibank
• CitiFinancial
• CitiMortgage
• Countrywide
• EMC
• EverBank/EverHome Mortgage Company
• Financial Freedom
• GMAC Mortgage
• HFC
• HSBC
• IndyMac Mortgage Services
• MetLife Bank
• National City Mortgage
• PNC Mortgage
• Sovereign Bank
• SunTrust Mortgage
• U.S. Bank
• Wachovia Mortgage
• Washington Mutual (WaMu)
• Wells Fargo Bank, N.A.
• Wilshire Credit Corporation

Borrowers can also address any questions about this review or other mortgage related questions to the New Hampshire Attorney General's Mortgage hotline at 1-866-522-4450.