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A New York Consolidation, Extension and Modification Agreement or the NY CEMA is used for refinancing in place of the conventional termination of the old Mortgage Note and the discharge of the lien. The NY CEMA allows borrowers possessing mortgages secured by possessions situated in New York to decrease the quantity of the mortgage recording tax remunerated in association with the refinance. Tax on the outstanding mortgage has been waged previously; hence the mortgage tax is not claimed on that amount.
The NY CEMA form 3172 can only be utilised for properties situated in the State of New York, not anywhere else in the country.
For more information regarding the documents required and other particulars, refer to the following link - www.freddiemac.com/cim/pdf/nycemaqa.pdf
The NY CEMA form 3172 can only be utilised for properties situated in the State of New York, not anywhere else in the country.
For more information regarding the documents required and other particulars, refer to the following link - www.freddiemac.com/cim/pdf/nycemaqa.pdf
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