Uniform Residential Loan Application - WinPrime...

Uniform Residential Loan ApplicationThis application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as

applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the "Borrower"

(including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community

property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other personhas community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property

state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

Borrower Co-Borrower

VA Conventional Other (explain): Agency Case Number Lender Case Number

FHA USDA/RuralHousing Service

Amount

$ %

Interest Rate No. of Months Fixed Rate Other (explain):

GPM ARM (type):

Subject Property Address (street, city, state, & ZIP) No. of Units

Legal Description of Subject Property (attach description if necessary) Year Built

Purpose of Loan Purchase Construction Other (explain): Property will be:

Refinance Construction-Permanent Primary Residence Secondary Residence Investment

Complete this line if construction or construction-permanent loan.Year LotAcquired

Original Cost

$

Amount Existing Liens

$

(a) Present Value of Lot

$

(b) Cost of Improvements

$

Total (a+b)

$

Complete this line if this is a refinance loan.YearAcquired

Original Cost

$

Amount Existing Liens

$

Purpose of Refinance Describe Improvements made to be made

Cost: $Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:

Fee SimpleLeasehold (showexpiration date)Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School

Married (includes registered domestic partners)

Unmarried (includes single, divorced, widowed)

Separated

Dependents (not listed by Co-Borrower)

No.

Ages

Present Address (street, city, state, ZIP/ country) Own Rent No. Yrs.

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP) Own Rent No. Yrs.


Co-Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School

Married (includes registered domestic partners)

Unmarried (includes single, divorced, widowed)

Separated

Dependents (not listed by Borrower)

No.

Ages

Present Address (street, city, state, ZIP/ country) Own Rent No. Yrs.

Mailing Address, if different from Present Address



MortgageApplied for:

Amortization Type:

I. TYPE OF MORTGAGE AND TERMS OF LOAN

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

III. BORROWER INFORMATIONBorrower Co-Borrower

Borrower

Co-BorrowerUniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev. 6/09) Fannie Mae Form 1003 7/05 (rev. 6/09)

Calyx Form - Loanapp1.frm (11/09)

IV. EMPLOYMENT INFORMATIONBorrower Co-Borrower

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Name & Address of Employer Self Employed Yrs. on this job

Yrs. employed in thisline of work/profession

Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (from-to)

Monthly Income

$



Monthly Income

$



Monthly Income

$



Monthly Income

$


Name & Address of Employer Self Employed Yrs. on this job

Yrs. employed in thisline of work/profession



Monthly Income

$



Monthly Income

$



Monthly Income

$



Monthly Income

$


V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income Borrower Co-Borrower Total

Combined MonthlyHousing Expense Present Proposed

Total Total

Base Empl. Income*

Overtime

Bonuses

Commissions

Dividends/Interest

Net Rental Income

Other (before completing,see the notice in "describeother income," below)

Rent

First Mortgage (P&I)

Other Financing (P&I)

Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Other:

$ $ $ $

$

$ $ $ $ $

Homeowner Assn. Dues

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Alimony, child support, or separate maintenance income need not be revealed if theBorrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

Notice:

B/C Monthly Amount

$

Borrower



VI. ASSETS AND LIABILITIESThis Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers if their assets and liabilities are sufficiently joinedso that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower sectionwas completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed by that spouse or other person also.

Completed Jointly Not Jointly

ASSETS Cash or Market ValueDescription

Cash deposit toward purchase held by:

$

List checking and savings accounts below

Name and address of Bank, S&L, or Credit Union

Acct. no. $


Acct. no. $


Acct. no. $

Stocks & Bonds (Companyname/number description)

$

Life insurance net cash value

Face amount: $

$

Subtotal Liquid Assets $

Real estate owned (enter market valuefrom schedule of real estate owned)

$

Vested interest in retirement fund $

Net worth of business(es) owned(attach financial statement)

$

Automobiles owned (make and year) $

Other Assets (itemize) $

Liabilities and Pledged Assets.

Total Assets a. $

LIABILITIES Monthly Payment &Months Left to Pay

Unpaid Balance

List the creditor's name, address and account number for all outstandingdebts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will besatisfied upon sale of real estate owned or upon refinancing of the subject property.

Name and address of Company $ Payment/Months $

Acct. no.Name and address of Company $ Payment/Months $


Acct. no.

Name and address of Company $ Payment/Months $



Acct. no.

Alimony/Child Support/SeparateMaintenance Payments Owed to:

$

Job-Related Expense (child care, union dues, etc.) $

Total Monthly Payments $

Net Worth(a minus b)

$ Total Liabilities b. $=>

Schedule of Real Estate Owned (if additional properties are owned, use continuation sheet)

Property Address (enter S if sold, PS if pendingsale or R if rental being held for income)

Type ofProperty

PresentMarket Value

Amount ofMortgages & Liens

GrossRental Income

MortgagePayments

Insurance,Maintenance,Taxes & Misc.

NetRental Income

Totals

$ $ $ $ $ $

$ $ $ $ $ $

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

Alternate Name Creditor Name Account Number

Borrower



VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

IX. ACKNOWLEDGEMENT AND AGREEMENT

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

a. Purchase price $

b. Alterations, improvements, repairs

c. Land (if acquired separately)

d. Refinance (incl. debts to be paid off)

e. Estimated prepaid items

f. Estimated closing costs

g. PMI, MIP, Funding Fee

h. Discount (if Borrower will pay)

i. Total costs (add items a through h)

j. Subordinate financing

k. Borrower's closing costs paid by Seller

l. Other Credits (explain)

m. Loan amount (exclude PMI, MIP,Funding Fee financed)

n. PMI, MIP, Funding Fee financed

o. Loan amount (add m & n)

p. Cash from/to Borrower (subtract j, k, l &o from i)

If you answer "Yes" to any questions a through i, please use continuation sheet for explanation.

Borrower Co-Borrower

Yes No Yes Noa. Are there any outstanding judgments against you?

b. Have you been declared bankrupt within the past 7 years?

c. Have you had property foreclosed upon or given title or deed in lieu thereofin the last 7 years?

d. Are you a party to a lawsuit?

e. Have you directly or indirectly been obligated on any loan which resulted inforeclosure, transfer of title in lieu of foreclosure, or judgment?

(This would include such loans as home mortgage loans, SBA loans, home improvementloans, educational loans, manufactured (mobile) home loans, any mortgage, financialobligation, bond, or loan guarantee. If "Yes," provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)

f. Are you presently delinquent or in default on any Federal debt or any otherloan, mortgage, financial obligation, bond, or loan guarantee?If "Yes," give details as described in the preceding question.

g. Are you obligated to pay alimony, child support, or separate maintenance?

h. Is any part of the down payment borrowed?

i. Are you a co-maker or endorser on a note?- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

j. Are you a U. S. citizen?

k. Are you a permanent resident alien?

l. Do you intend to occupy the property as your primary residence?If "Yes," complete question m below.

m. Have you had an ownership interest in a property in the last three years?

(1) What type of property did you own-principal residence (PR),second home (SH), or investment property (IP)?

(2) How did you hold title to the home-solely by yourself (S),jointly with your spouse (SP), or jointly with another person (O)?

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns andagrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent mis-representation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon anymisrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United StatesCode, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) theproperty will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) theproperty will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whetheror not the loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, andI am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of theLoan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors, or assigns may, in addition to any other rights and remedies that it mayhave relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loanaccount may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any informationcontained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this applicationor a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature Date

X X

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal creditopportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender maynot discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, youmay check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visualobservation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

BORROWER CO-BORROWER

Ethnicity:

Race:

Sex:

Ethnicity:

Race:

Sex:

I do not wish to furnish this information

Hispanic or Latino Not Hispanic or Latino

American Indian orAlaska Native

Asian Black orAfrican American

Native Hawaiian or Other Pacific Islander White

Female Male

I do not wish to furnish this information

Hispanic or Latino Not Hispanic or Latino

American Indian orAlaska Native

Asian Black orAfrican American

Native Hawaiian or Other Pacific Islander White

Female Male

To be Completed by Loan Originator:This information was provided:

In a face-to-face interviewIn a telephone interview

By the applicant and submitted by fax or mailBy the applicant and submitted via e-mail or the internet

Loan Originator's Signature Date

XLoan Originator's Name (print or type)

Loan Origination Company's Name

Loan Originator Identifier

Loan Origination Company Identifier

Loan Originator's Phone Number (including area code)

Loan Origination Company's Address

Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev. 6/09) Fannie Mae Form 1003 7/05 (rev. 6/09)


Fee Details and Summary

Applicants: Application No:

Date Prepared:

Loan Program:

Prepared By:

THIS IS NOT A GOOD FAITH ESTIMATE (GFE). This "Fees Worksheet" is provided for informational purposes ONLY, to assistyou in determining an estimate of cash that may be required to close and an estimate of your proposed monthly mortgage payment. Actual charges may be more or less, and your transaction may not involve a fee for every item listed.

Total Loan Amount: Interest Rate: Term/Due In:

Fee Paid To Paid By (Fee Split**) Amount PFC / F / POC

TOTAL ESTIMATED FUNDS NEEDED TO CLOSE: TOTAL ESTIMATED MONTHLY PAYMENT:

Total Estimated Funds Total Monthly Payment

Purchase Price (+)

Alterations (+)

Land (+)

Refi (incl. debts to be paid off) (+)

Est. Prepaid Items/Reserves (+)

Est. Closing Costs (+)

Loan Amount (-) Principal & Interest

Other Financing (P & I)

Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn. Dues

Other

* PFC F POC= Prepaid Finance Charge = FHA Allowable Closing Cost = Paid Outside of Closing

** B S Br L TP C= Borrower = Seller = Broker = Lender = Third Party = Correspondent

Calyx Form - feews.frm (09/2010)

ITEMIZATION OF AMOUNT FINANCED

Applicants:

Property Addr:

Application No: Date Prepared:

Lender:

Total Loan Amount $ Prepaid Finance Charge $ Amount Financed $

Applicant Date ApplicantDate Applicant Date

Calyx Form - IAF.frm (09/2010)

TRUTH-IN-LENDING DISCLOSURE STATEMENT(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)

Applicants: Prepared By:Property Address:

Application No: Date Prepared:

ANNUAL PERCENTAGE RATE

FINANCECHARGE

AMOUNTFINANCED

TOTAL OFPAYMENTS

The cost of your credit as a yearlyrate

The dollar amount the credit willcost you

The amount of credit provided toyou or on your behalf

The amount you will have paidafter making all payments asscheduled

% $ $ $

REQUIRED DEPOSIT: The annual percentage rate does not take into account your required depositPAYMENTS: Your payment schedule will be:

No. ofPmts

Amount ofPayments **

PaymentsDue

No. ofPmts


PaymentsDue

No. ofPmts


PaymentsDue

No. ofPmts


PaymentsDue

DEMAND FEATURE: This obligation has a demand feature.VARIABLE RATE FEATURE: This loan contains a variable rate feature. A variable rate disclosure has been provided earlier.

CREDIT LIFE/CREDIT DISABILITY: Credit life insurance and credit disability insurance are not required to obtain credit,and will not be provided unless you sign and agree to pay the additional cost.

Type Premium Signature

Credit Life

Credit Disability

Credit Life and Disability

I want credit life insurance.

I want credit disability insurance.

I want credit life and disability insurance.

Signature:

Signature:

Signature:

INSURANCE: The following insurance is required to obtain credit:Credit life insurance Credit disability Property insurance Flood insurance

You may obtain the insurance from anyone you want that is acceptable to creditor.If you purchase property flood insurance from creditor you will pay $ for a one year term.

SECURITY: You are giving a security interest in:The goods or property being purchased Real property you already own.

FILING FEES: $LATE CHARGE: If a payment is more than days late, you will be charged %PREPAYMENT: If you pay off early, you may will not have to pay a penalty.

may will not be entitled to a refund of part of the finance charge.ASSUMPTION: Someone buying your property

may may, subject to conditions may not assume the remainder of your loan on the original terms.See your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date andprepayment refunds and penalties * means an estimate all dates and numerical disclosures except the late payment disclosures are estimates.

You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.

THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COMPLETED COPY OF THIS DISCLOSURE.

* * NOTE: The Payments shown above include reserve deposits for Mortgage Insurance (if applicable), but exclude Property Taxes and Insurance.

Applicant ApplicantDate Date

Applicant Applicant

Lender

Date Date

Date Calyx Form - til.frm (03/09)

Good Faith Estimate (GFE)OMB Approval No. 2502-0265

Name of Originator

OriginatorAddress

Originator Phone Number

Originator Email

Borrower

PropertyAddress

Date of GFE

Purpose

Shopping foryour loan

Important dates

Summary ofyour loan

Escrow accountinformation

Summary of yoursettlement charges

This GFE gives you an estimate of your settlement charges and loan terms if you are approved forthis loan. For more information, see HUD’s Special Information Booklet on settlement charges, yourTruth-in-Lending Disclosures, and other consumer information at www.hud.gov/respa. If you decideyou would like to proceed with this loan, contact us.

Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can findthe best loan. Use the shopping chart on page 3 to compare all the offers you receive.

1. The interest rate for this GFE is available through . After this time, theinterest rate, some of your loan Origination Charges, and the monthly payment shown below canchange until you lock your interest rate.

2. This estimate for all other settlement charges is available through .

3. After you lock your interest rate, you must go to settlement within days (your rate lock period)to receive the locked interest rate.

4. You must lock the interest rate at least days before settlement.

Your initial loan amount is

Your loan term is

Your initial interest rate is

Your initial monthly amount owed for principal,interest, and any mortgage insurance is

Can your interest rate rise?

Even if you make payments on time, can yourloan balance rise?

Even if you make payments on time, can yourmonthly amount owed for principal, interest,and any mortgage insurance rise?

Does your loan have a prepayment penalty?

Does your loan have a balloon payment?

$

years

%

$ per month

No

No

No

No

No

Yes, it can rise to a maximum of %.The first change will be in

Yes, it can rise to a maximum of$ .

Yes, the first increase can be inand the monthly amount owed canrise to $ . The maximum itcan ever rise to is $ .

Yes, your maximum prepaymentpenalty is $ .

Yes, you have a balloon payment of$ due in years.

Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in addition to your monthly amount owed of $ .Do we require you to have an escrow account for your loan?

No, you do not have an escrow account. You must pay these charges directly when due.

Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.

$

$

$

Your Adjusted Origination Charges

Your Charges for All Other Settlement Services

(See page 2.)

(See page 2.)

+B

B

A

A Total Estimated Settlement Charges

Good Faith Estimate (HUD-GFE) 1Calyx Form - GFE2010_1.frm (12/09), Rev. (9/10)

A


Your Charges for All Other Settlement Services

1. Our origination charge

2. Your credit or charge (points) for the specific interest rate chosen


reduces

increases

$

This charge is for getting this loan for you.

The credit or charge for the interest rate of % is included in"Our origination charge." (See item 1 above.)

You receive a credit of $ for this interest rate of %.This credit your settlement charges.

You pay a charge of $ for this interest rate of %.This charge (points) your total settlement charges.

The tradeoff table on page 3 shows that you can change your total settlement chargesby choosing a different interest rate for this loan.

Understandingyour estimatedsettlement charges

Some of these chargescan change at settlement.See the top of page 3 for

more information.

3. Required services that we select

4. Title services and lender’s title insurance

5. Owner’s title insurance

6. Required services that you can shop for

7. Government recording charges

8. Transfer taxes

9. Initial deposit for your escrow account

10. Daily interest charges

11. Homeowner’s insurance

Service Charge

Service Charge Service Charge

Policy Charge

These charges are for services we require to complete your settlement.We will choose the providers of these services.

This charge includes the services of a title or settlement agent, for example,and title insurance to protect the lender, if required.

You may purchase an owner’s title insurance policy to protect your interest in the property.

These charges are for other services that are required to complete your settlement.We can identify providers of these services or you can shop for them yourself.Our estimates for providing these services are below.

These charges are for state and local fees to record your loan and title documents.

These charges are for state and local fees on mortgages and home sales.

This charge is held in an escrow account to pay future recurring chargeson your property and includes all property taxes, all insurance,

and other .

This charge is for the daily interest on your loan from the day of your settlement until the firstday of the next month or the first day of your normal mortgage payment cycle. This amount is

$ per day for days (if your settlement is ).

This charge is for the insurance you must buy for the property to protect from a loss,such as fire.

Your Charges for All Other Settlement Services $

$+

B

BA Total Estimated Settlement Charges

Good Faith Estimate (HUD-GFE) 2Calyx Form - GFE2010_2.frm (12/09), Rev. (9/10)

InstructionsUnderstandingwhich chargescan change atsettlement

Using thetradeoff table

Using theshopping chart

If your loan issold in the future

This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs.Compare the charges on the HUD-1 with the charges on this GFE. Charges can change if you select your own providerand do not use the companies we identify. (See below for details.)

These charges The total of these charges These charges

cannot increase can increase up to 10% can changeat settlement: at settlement: at settlement:

• Our origination charge

• Your credit or charge (points) for thespecific interest rate chosen

• Your adjusted origination charges

• Transfer taxes

• Required services that we select

• Title services and lender’s titleinsurance

• Owner’s title insurance

• Required services that you canshop for

• Government recording charges

• Required services that you can shopfor

• Title services and lender’s titleinsurance

• Owner’s title insurance

• Initial deposit for your escrow account

• Daily interest charges

• Homeowner’s insurance

(afteryou lock in your interest rate)

(after you lock in your interest rate)

(if we select them oryou use companies we identify)

(if you usecompanies we identify)

(if you use companies weidentify)

(if you do not use companies weidentify)

(if you do not usecompanies we identify)

(if you do notuse companies we identify)

In this GFE, we offered you this loan with a particular interest rate and estimated settlement charges. However:

• If you want to choose this same loan with , then you will have a• If you want to choose this same loan with a , then you will have

If you would like to choose an available option, you must ask us for a new GFE.

lower settlement charges higher interest rate.lower interest rate higher settlement charges.

Loan originators have the option to complete this table. Please ask for additional information if the table is not completed.

The loan in this GFEThe same loan withlower settlement charges

The same loan with alower interest rate

Your initial loan amount

Your initial interest rate

Your initial monthly amount owed

Change in the monthly amount owedfrom this GFE

Change in the amount you will pay atsettlement with this interest rate

How much your total estimatedsettlement charges will be

1

1For an adjustable rate loan, the comparisons above are for the initial interest rate before adjustments are made.

Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column for each GFE youreceive. By comparing loan offers, you can shop for the best loan.

$ $ $

% % %

$ $ $

No change You will pay $ You will pay $more lessevery month every month

No change Your settlement charges Your settlementwill be charges willreduced increaseby by$ $

$ $ $

This loan Loan 2 Loan 3 Loan 4

Total Estimated Settlement Charges

Loan originator name

Initial loan amount

Loan term

Initial interest rate

Initial monthly amount owed

Rate lock period

Can interest rate rise?

Can loan balance rise?

Can monthly amount owed rise?

Prepayment penalty?

Balloon payment?

Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or thecharges you paid at settlement.

Calyx Form - GFE2010_3.frm (12/09), Rev. (9/10)Good Faith Estimate (HUD-GFE) 3

Written List of Service Providers

Calyx Form - GFE_services.frm (09/2010)

Borrower Signature Authorization

1. Borrower 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor underits program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not yourapplication for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stock

holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorizethe Lender/Broker to order a consumer credit report and verify other credit information, including past and presentmortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

Borrower Date

Part I - General Information

Part II - Borrower Authorization

Calyx Form - bsa.hp (10/98)

Borrower Signature Authorization

1. Borrower(s) 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor underits program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not yourapplication for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stock

holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorizethe Lender/Broker to order a consumer credit report and verify other credit information, including past and presentmortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

Borrower

Borrower

Date

Date

Part I - General Information

Part II - Borrower Authorization

CALYX Form Bsa.hp 10/98

Form

(Rev. January 2011) OMB No. 1545-1872

Signature

Title

Spouse’s signature

(see instructions)

(if line 1a above is a corporation, partnership, estate, or trust)

Date

Date

Cat. No. 37667N Form (Rev. 1-2011)

Department of the TreasuryInternal Revenue Service

4506-T Request for Transcript of Tax Return

Request may be rejected if the form is incomplete or illegible.

1a 1b First social security number on tax return, individual taxpayeridentification number, or employer identification number(see instructions)

2a 2b Second social security number or individual taxpayeridentification number if joint tax return

3

4

5

Caution:

6 Transcript requested.

a Return Transcript,

b Account Transcript,

c Record of Account,

7 Verification of Nonfiling,

8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript.

Caution:

9 Year or period requested.

Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by usingour automated self-help service tools. Please visit us at IRS.gov and click on "Order a Transcript" or call 1-800-908-9946. If you need a copy of your return, use

There is a fee to get a copy of your return.

Tip.

Form 4506, Request for Copy of Tax Return.

Name shown on tax return. If a joint return, enter the name shown first.

If a joint return, enter spouse’s name shown on tax return

Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)

Previous address shown on the last return filed if different from line 3 (See instructions)

If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,and telephone number. The IRS has no control over what the third party does with the tax information.

Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax

form number per request.

which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect

changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series,Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year

and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . . . .

which contains information on the financial status of the account, such as payments made on the account, penalty

assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liabilityand estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days . .

which is a combination of line item information and later adjustments to the account. Available for current year

and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . .

which is proof from the IRS that you file a return for the year. Current year requests are only available afterdid not

June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . . . . .

The IRS can provide a transcript that includes data from

these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript

information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,

W-2 information for 2007, filed in 2008, will not be available from the IRS until 2009. If you need W-2 information for retirement purposes, you

should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days . . . . . . . .

Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than fouryears or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter

each quarter or tax period separately.

I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the taxinformation requested. If the request applies to a joint return, husband or wife must sign. If signed by a corporate officer, partner, guardian, taxmatters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to executeForm 4506-T on behalf of the taxpayer.

Telephone number of taxpayer online 1a or 2a

Signature of taxpayer(s).either

Note.

For Privacy Act and Paperwork Reduction Act Notice, see page 2.

SignHere

4506-T

If the transcript is being mailed to a third party, ensure that you have filled in line 6 and line 9 before signing. Sign and date the form once youhave filled in these lines. Completing these steps helps to protect your privacy.

If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filedwith your return, you must use Form 4506 and request a copy of your return, which includes all attachments.

For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Calyx Form - Tax4506T1.frm (03/2011)

(Applicant) (Date)

(Applicant) (Date)

(Applicant) (Date)

(Applicant) (Date)

EQUAL CREDIT OPPORTUNITY ACT

APPLICATION NO:

PROPERTY ADDRESS:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against creditapplicants on the basis of race, color, religion, national origin, sex, marital status, age (providedthe applicant has the capacity to enter into a binding contract); because all or part of theapplicant's income derives from any public assistance program; or because the applicant has ingood faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that

We are required to disclose to you that you need not disclose income from alimony, child supportor separate maintenance payment if you choose not to do so.

Having made this disclosure to you, we are permitted to inquire if any of the income shown onyour application is derived from such a source and to consider the likelihood of consistent

payment as we do with any income on which you are relying to qualify for the loan for which youare applying.

CALYX Form Ecoa.hp 4/95

Date Date

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977FAIR LENDING NOTICE

DATE:

APPLICATION NO:

PROPERTY ADDRESS:

COMPANY:

It is illegal to discriminate in the provisions of or in the availability of financial assistance because ofthe consideration of:

1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding ahousing accommodation, unless the financial institution can demonstrate in the particularcase that such consideration is required to avoid an unsafe and unsound business practice;or

2. Race, color, religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhoodor geographic area surrounding a housing accommodation or whether or not such composition isundergoing change, or is expected to undergo change, in appraising a housing accommodation orin determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction,rehabilitation or refinancing of a one-to-four unit family residence occupied by the owner and forthe purpose of the home improvement of any one-to-four unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact themanagement of this financial institution or the agency noted below :

I/we received a copy of this notice.

Calyx Form - fln.hp (2/99)

FACTSWhat DoesWith Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumersthe right to limit some but not all sharing. Federal law also required us to tell you how we collect,share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service youhave with us. This information can include:

When you are our customer, we continue to share your information as described in this notice.no longer

All financial companies need to share customers' personal information to run their everyday business. In thesection below, we list the reasons financial companies can share their customers' personal information; the reasons

Reasons we can share your personal information Can you limit this sharing?

For our everyday business purposes --

For our marketing purposes --

For joint marketing with other financial companies

For our affiliates' everyday business purposes --

For our affiliates' everyday business purposes --

For our affiliates to market to you

For nonaffiliates to market to you

such as to process your transactions, maintainyour account(s), responds to court orders and legalinvestigations, or report to credit bureaus

to offer our products and services to you

information about your transactions and experiences

information about your creditworthiness

Why?

What?

How?

Questions?

Calyx Form - Privacy1_NoOptOut.frm (01/2011)

Who we are

Who is providing this notice?

What we do

To protect your personal information from unauthorized access and use,we use security measures that comply with federal law. These measuresinclude computer safeguards and secured files and buildings.

We collect your personal information, for example, when you

Why can't I limit all sharing? Federal law gives you the right to limit only

• sharing for affiliates' everday business purposes - information about yourcreditworthiness

• affiliates from using your information to market to you• sharing for nonaffiliates to market to you

State Laws and individual companies may give you additional rights tolimit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial andnonfinancial companies.

Nonaffiliates Companies not related by common ownership or control. They can be financial andnonfinancial companies.

Joint marketing A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you.

Calyx Form - Privacy2_NoOptOut.frm (01/2011)

DISCLOSURE NOTICESDate:

Applicant(s): Property Address:

AFFIDAVIT OF OCCUPANCYApplicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy

status will be as follows:

Primary Residence - Applicant(s)shall occupy, establish, and use the Property as Applicant(s) principal residence within 60 days after closing and shall continue to occupy the Property as Applicant(s) principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower’s control.

Secondary Residence - To be occupied by Applicant(s) at least 15 days yearly, as second home (vacation, etc.),while maintaining principal residence elsewhere. [Please check this box if you plan to establish it as your primaryresidence at a future date (e.g., retirement)].

Investment Property - Not owner occupied. Purchased as an investment to be held or rented.

The Applicant(s) acknowledge it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any falsestatement concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.

APPLICANT SIGNATURE CO-APPLICANT SIGNATURE

ANTI-COERCION STATEMENT

The insurance laws of this state provide that the lender may not require the applicant to take insurance through anyparticular insurance agent or company to protect the mortgaged property. The applicant, subjected to the rules adopted bythe Insurance Commissioner, has the right to have the insurance placed with an insurance agent or company of his choice, provided the company meets the requirement of the lender. The lender has the right to designate reasonable financialrequirements as to the company and the adequacy of the coverage.I have read the foregoing statement, or the rules of the Insurance Commissioner relative hereto, and understand my rightsand privileges and those of the lender relative to the placing of such insurance.I have selected the following agencies to write the insurance covering the property described above:

Insurance Company Name Agent

Agent's Address Agent's Telephone Number


FAIR CREDIT REPORTING ACTAn investigation will be made as to the credit standing of all individuals seeking credit in this application. The nature and scopeof any investigation will be furnished to you upon written request made within a reasonable period of time. In the event of creditdenial due to an unfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making suchreport and of your right to request within sixty (60) days the reason for the adverse action, pursuant to provisions of section 615(b)of the Fair Credit Reporting Act.


FHA LOANS ONLY

IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST CHARGES UNTIL THE END OF THAT MONTH.

GOVERNMENT LOANS ONLY

RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is a notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of Housing and Urban Development or Department of Veterans Affairs has a right of access to financial records held by a financialinstitution in connection with the consideration of administration of assistance to you. Financial records involving your transaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairs without further notice or authorization but will not be disclosed or released to another Government agency or Department without your consent except as required or permitted by law.


Calyx Form - disnot.frm (9/10)

SERVICING DISCLOSURE STATEMENT

Originator: Date:

You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA)

(12 U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law. This statement describeswhether the servicing for this loan may be transferred to a different loan servicer.

"Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sendingany monthly or annual statements, tracking account balances, and handling other aspects of your loan.You will be given advance notice before a transfer occurs.

We may assign, sell or transfer the servicing of your loan while the loan is outstanding.

We do not service mortgage loans of the type for which you applied. We intend to assign, sell, ortransfer the servicing of your mortgage loan before the first payment is due.

The loan for which you have applied will be serviced at this financial institution and we do not intendto sell, transfer, or assign the servicing of the loan.

Acknowledgment of Mortgage Loan Applicant(s)

I/We have read and understood the disclosure, and understand that the disclosure is a required part of the

mortgage application as evidenced by my/our signature(s) below;

Applicant Date Applicant Date


Calyx Form - sds.frm (01/09)

FLOOD HAZARD NOTICE(Notice Of Special Flood Hazards and Availability Of Federal Disaster Relief Assistance)

Applicant(s): Lender:

You have applied to us for a loan secured by real estate or a mobile home in the amount of located or to belocated at:

NOTICE 1: Notice to Borrower of Special Flood Hazard Area

We are giving you this notice to inform you that:

The building securing the loan for which you have applied is or will be located in an area with special flood hazards.The mobile home securing the loan for which you have applied is or will be located in an area with special floodhazards.

The area has been identified by the Director of the Federal Emergency Management Agency (FEMA) as a special flood hazard area using FEMA's Flood Insurance Rate Map or the Flood Hazard Boundary Map for the following community:

. This area has at least a one percent (1%) chance of a flood equalto or exceeding the base flood elevation (a 100-year flood) in any given year. During the life of a 30-year mortgage loan,the risk of a 100-year flood in a special flood hazard area is 26 percent (26%).

Federal law allows a lender and borrower jointly to request the Director of FEMA to review the determination of whether theproperty securing the loan is located in a special flood hazard area. If you would like to make such a request, please contactus for further information.

NOTICE 2: Notice to Borrower about Federal Disaster Relief Assistance(The ONE section indicated below applies to your application. Please read carefully.)

The community in which the property securing the loan is located participates in the National Flood InsuranceProgram (NFIP). Federal law will not allow us to make you the loan that you have applied for if you do not purchaseflood insurance. The flood insurance must be maintained for the life of the loan. If you fail to purchase or renewflood insurance on the property, federal law authorizes and requires us to purchase the flood insurance for you at yourexpense.

• Flood Insurance coverage under the NFIP may be purchased through an insurance agent who will obtain the policy either directly through the NFIP or through an insurance company that participates in the NFIP. Floodinsurance also may be available from private insurers that participate in the NFIP.

• At a minimum, flood insurance purchased must cover the lesser of:1. The outstanding principal balance of the loan; or2. The maximum amount of coverage allowed for the type of property under the NFIP.

Flood insurance coverage under the NFIP is limited to the overall value of the property securing the loanminus the value of the land on which the property is located.

• Federal disaster relief assistance (usually in the form of a low-interest loan) may be available for damagesincurred in excess of your flood insurance if your community's participation in the NFIP is in accordancewith NFIP requirements.

Flood insurance coverage under the NFIP is not available for the property securing the loan because the communityin which the property is located does not participate in the NFIP. In addition, if the non-participating community has been identified for at least one year as containing a special flood hazard area, properties located in the communitywill not be eligible for federal disaster relief assistance in the event of a Federally-declared flood disaster.

I/we have received a copy of this disclosure.

Date Date

Calyx Form - spcflood.frm (05/02)

Applicant Date

Applicant Date

Applicant Date

Applicant Date

NOTICE TO APPLICANT OF RIGHT

TO RECEIVE COPY OF APPRAISAL REPORT

APPLICATION NO:

PROPERTY ADDRESS:

If you would like a copy of the appraisal report, contact:

Calyx Form - rra.frm (11/07)

PATRIOT ACT

INFORMATION DISCLOSURE

Applicant Name

Co-Applicant Name

Present Address

Mailing Address

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial

institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other

information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

I/we acknowledge that I/we received a copy of this disclosure.

Applicant Date

Applicant Date

Calyx Form patriotinfo.frm 04/04

Customer Identification DocumentationPatriot Act

The USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies every customer.Completion of this documentation is required in order to comply with the USA Patriot Act. A completed copy of thisinformation must be retained with the loan file.

Application Number Date

Name of Applicant

Social Security # Date of Birth

Present Address

Mailing Address

Primary Identification Documentation

Document Type Other Document Type

Document Number

Issue Date Expiration Date

Issued by

Secondary Identification Documentation

Document Type Other Document Type

Document Number

Issue Date Expiration Date

Issued by

Discrepancies and Resolution

Completed by

Calyx Form (4/04)BRWIDDoc.frm

NOTICE TO THE HOME LOAN APPLICANTCREDIT SCORE INFORMATION DISCLOSURE

APPLICANT(S) NAME AND ADDRESS LENDER NAME AND ADDRESS (ORIGINATOR):

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agencydistributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer-generated summary calculated at the time of the request and based on information a consumer reportingagency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are importantbecause they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine whatinterest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credithistory and payment patterns change, and how credit-scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit related information that isbeing furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agencyat the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have questions concerning the terms of the loan, contact the lender.

The consumer reporting agencies listed below provided a credit score that was used in connection with your home loan application.

Consumer Reporting Agency Borrower: Co-Brw:

Model Used:

Range of Possible Scores

to

Score: Created:

Factors

Score: Created:

Factors

page 1 of 2Calyx Form - csid1.frm (11/07)

Consumer Reporting Agency Borrower: Co-Brw:

Model Used:


to

Score: Created:

Factors

Score: Created:

Factors

Model Used:


to

Score: Created:

Factors

Score: Created:

Factors

I/We have received a copy of this disclosure.


page 2 of 2Calyx Form - csid2.frm (11/07)

Anti-Steering Disclosure - Fixed Loans

Prepared For: Provided By:

Loan Program

Closing Cost Scenario

Lowest

Interest Rate

Lowest

Origination Costs

Lowest Interest Rate

without Risky Features *

Sales Price

Down Payment

Loan Amount

Interest Rate

Term

Due

Interest Only Period

Monthly Payment

Closing Costs

Cash to Close

Origination Fees

Discount Points

Pre-payment Penalties

Balloon Payment

APR

* Risky features refers to loan features such as a prepayment penalty or negative amortization.

In compliance with the anti-steering prohibitions found in Regulation 12 CFR 226.36(e), we are providing youwith this disclosure of loan options. These loan options represent the types of transactions for which you have expressed an interest and are from creditors with whom we regularly conduct business.

By signing below, I acknowledge that I have received a copy of this anti-steering disclosure and that the loan originator has explained these loan options to my satisfaction.

Borrower/Co-Borrower Date

Loan Originator Date

Cayx Form AntiSteer-Fixed.frm (04/2011)

Anti-Steering Disclosure - ARM Loans

Prepared For: Provided By:

Loan Program

Closing Cost Scenario

Lowest

Interest Rate

Lowest

Origination Costs

Lowest Interest Rate

without Risky Features *

Sales Price

Down Payment

Loan Amount

Interest Rate

Term

Due

Interest Only Period

Monthly Payment

Closing Costs

Cash to Close

Origination Fees

Discount Points

Pre-payment Penalties

Balloon Payment

APR

* Risky features refers to loan features such as a prepayment penalty or negative amortization.

In compliance with the anti-steering prohibitions found in Regulation 12 CFR 226.36(e), we are providing youwith this disclosure of loan options. These loan options represent the types of transactions for which you have expressed an interest and are from creditors with whom we regularly conduct business.

By signing below, I acknowledge that I have received a copy of this anti-steering disclosure and that the loan originator has explained these loan options to my satisfaction.

Borrower/Co-Borrower Date

Loan Originator Date

Calyx Form AntiSteer-ARM.frm (04/2011)

Uniform Residential Loan Application - WinPrime...

Documents

Transcript of Uniform Residential Loan Application - WinPrime...