Is the SAM forgiven over time, or is it fully repaid at payoff?

FAQ Content

The SAM is not subject to forgiveness. It must be repaid in full whenever any repayment trigger occurs, including: 


1. Sale of the property 
2. Payoff of the first mortgage loan 
3. Payoff of the subordinate loan principal balance 
4. Cashout refinance of the first mortgage 
5. Rate/term refinance that results in the transfer of servicing away from KHC 
6. First mortgage loan becoming due and payable for any reason, including but not limited to acceleration by the holder of the first mortgage loan or the filing and recording of a foreclosure complaint