Uniform Residential Loan Application · · 2013-01-26Uniform Residential Loan Application ......

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)

Gaby

Typewritten Text

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)


Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit. To obtain a copy, I/we must sendCreditor a written request at the mailing address Creditor has provided.Creditor must hear from us no later than ____ days after Creditor notifies me/us about the action takenon this application, or I/we withdraw this application.If you would like a copy of the appraisal report, contact:

90

J and P Mortgage dba Priority Mortgage 8932 Katella Avenue Suite 104 Anaheim, CA 92804

J and P Mortgage dba Priority Mortgage(P) 714-236-4710 (F) 714-220-2574

8932 Katella Avenue Suite 104Anaheim, CA 92804

of 4

Gaby

Typewritten Text

Jaime A Garcia

Gaby

Typewritten Text

289150

Gaby

Typewritten Text

290316

Gaby

Typewritten Text

626-768-0700

Gaby

Typewritten Text

Continuation Sheet/Residential Loan ApplicationUse this continuation sheet if you need

more space to complete the Residential

Loan Application. Mark for Borrower or

for Co-Borrower.

B

C

Borrower: Agency Case Number:

Co-Borrower: Lender Case Number:

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts

as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.

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

X X

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

Calyx Form - LNAP5CNT.frm (11/09)

BORROWERS INFORMATION

1. I/we applied for a mortgage loan from Priority Mortgage. In applying for the loan, I/we completed a loan application containing various information for the purpose of the loan the amount and source of the down payment, employment and income information, assets and liabilities. I/we certify that all of the information is true and complete. I/we made no misrepresentation on the loan application or other document, nor did I/we omit any pertinent information. 2. I/we understand and agree that Priority Mortgage reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or financial institution. 3. I/we fully understand that it is Federal crime punishable by a fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, and Section 1014.

AUTHORIZATION TO RELEASE INFORMATION To Whom It May Concern: 1. I/we have applied for a mortgage loan from Priority Mortgage . As part of the application process, Priority Mortgage may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. 2. I/we authorize you to provide Priority Mortgage , and any investor to whom , any and all Priority Mortgage information and documentation that they request. Such information includes, but is not limited to employment history and income, bank, money, market and similar account balances, credit history and copies of tax returns. 3. I/ we hereby authorize the Internal Revenue Service to disclose to Priority Mortgage or its investors, my/our Federal Income Tax returns on form 1040 for the taxable year(s) 2011 and 2012. 4. Priority Mortgage or any investor that purchases the mortgage may address this authorization to any party name in the loan application. 5. A copy of this authorization may be accepted as an original. 6. Your prompt reply to Priority Mortgage or the investor that purchased the mortgage is appreciated. Borrowers

Signature___________________________________ Date: ________________

Print Name: _________________________________ SSN #________________

Address: ___________________________________ DOB: ________________

Borrowers

Signature__________________________________

Print Name: ________________________________ SSN # _______________

Address: ___________________________________ DOB:________________

MORTGAGE LOAN ORIGINATOR AGREEMENT You (the applicant) agree to enter into this Mortgage Loan Origination Agreement with Priority Mortgage to apply for a residential mortgage loan from a participating lender with which we from time to time contract upon such terms and conditions as you may request or a lender may require. You inquired into mortgage financing with PRIORITY MORTGAGE on ________________________ (date). We are licensed as a finance lender and broker under the Department of Corporations. SECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan: We will enter into separate independent contractor agreements with various lenders. While we seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at a wholesale rate. The retail price we offer you-your interest rate, total points and fees- will include our compensation. In some cases. We may be paid all of our compensation by either you or the lender. Alternatively, we may be paid rather pay less up-front, you may be able to pay some or all of our compensation by both you and the lender. For example, in some cases, if you would rather pay a lower interest rate, you may pay higher up-front points and fees. Also in some cases, if you would rather pay less up-front, you may be able to pay some or all of our compensation indirectly through a higher interest rate in which case we will be paid directly by the lender. We also may be paid by the lender based on (I) the value of the mortgage loan or related servicing rights in the market or (II) other goods or facilities performed or provided by us to the lender. Also note that the applicant(s) might be subject to a 1% cancellation fee if cancelled within the docs or funding stage for any reason other than credit, property, or lender issues. Backing out due to fear or being unsure is subject to the fee. By signing below, applicant(s) acknowledge receipt of a copy of this signed agreement. MORTGAGE LOAN OFFICER Broker Applicant Date Applicant Date

THE FEDERAL EQUAL CREDIT OPPORTUNITY NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discrimination on the basis of race, sex, color, religion, marital status, national origin, ancestry or age. The Federal Agency which administers compliance with these loans is: FEDERAL TRADE COMMISSION 11000 WILSHIRE BLVD LOS ANGELES CA 90024 Married applicants are hereby notified that they are entitled to apply for a separate account. I (we) the undersigned have received a copy of this notice and RESPA booklet.

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977- FAIR LENDING NOTICE It is illegal to discriminate in the provision of or in the availability if financial assistance because of condition of:

1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case 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 neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purchase, construction, rehabilitation or refinancing of one to four unit family residences occupied by the owner and for the purpose of the home improvements of any one to four unit family residences. If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or: Department of Corporations 320 West 4th Street, Suite 350 Los Angeles CA 90013-2344 (213) 620-2072 Subdivisions Office, South (213) 576-6983

ACKNOWLEDGEMENT

Borrowers Signature Date


COPY OF APPRAISAL REPORT You have the right to a copy of the appraisal report to be obtained in connection with the loan which you are applying for, provided that, you have paid for are willing to pay for the appraisal. If you want a copy of the appraisal report, please submit a written request to the following:

Corporate Offices- Priority Mortgage 8932 Katella Avenue Suite 104

Anaheim, CA 92804 PRIORITY MORTGAGE cannot be held liable for any appraisal inaccuracies. We are providing this appraisal copy in accordance with SB492. It is provided for informational purposes only further use of the appraisal in prohibited by you or any third party. The signature below acknowledges your receipt of this notice of your right to a copy of the appraisal report. Please keep this notice with your other loan records. ______________________________________________________________________________ RIGHT TO FINANCIAL PRIVACY ACT This notice to you, as required by the Right to Financial Privacy Act of 1978, is to inform you that the information requested by Priority Mortgage is required to quality you as a mortgagor is voluntary, but not loan may be approved unless a completed application is received, FHA/VA LOANS: For FHA Loans, The Department of Housing and Urban Development; for VA Loans, The Veterans Administration Loan Guaranty Service have the right of access to financial records held by a financial institution in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to either agency 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.



CO-MORTGAGOR AFFIDAVIT To: We, ________________________________________________are related as follows:____________________________________________. We are buying This house together because: _______________________________________________________________________________ _______________________________________________________________________________ We do/do not intend to occupy the property together. We will be responsible for all housing expenses. Signatures: If Non-Applicable Check: _________________________ _________________________ _________________________ _______________________________________________________________________________ STATEMENT OF OCCUPANCY The undersigned buyer understands that he/she must occupy the property if purchased under FHA/VA regulations and hereby certified that he/she will occupy said property. If purchased under conventional financing, please indicate occupancy. ____ Owner Occupied ____ Non-Owner Occupied ____________________________ __________________ Borrower’s Signature Date ____________________________ ___________________ Borrower’s Signature Date

SERVICING DISCLOSURE STATEMENT

Lender: PRIORITY MORTGAGE Date: NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS. IF YOUR LOAN IS MADE, SAVE THIS STATEMENT WITH YOUR LOAN DOCUMENTS. SIGN THE ACKNOWLEDGEMENT AT THE END OF THIS STATEMENT ONLY IF YOUR UNDERSTAND ITS CONTENTS. Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2601 et seq.) you have certain rights under the Federal Law. This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may be transferred to a different loan servicer. “Servicing” refers to collecting your principal, interest and escrow account payments, if any. If your loan servicer changes, there are certain procedures that must be followed. This statement generally explains those procedures. Transfer practices and requirements If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the effective date of the transfer. The new loan servicer must also send you notice within 15 days after the effective date of the transfer. The present servicer and the new servicer may combine this information in one notice, so long as the notice is sent to you 15 days before the effective day of transfer. The 15 day period is not applicable if a notice of prospective transfer is provided to you at settlement. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you, upon the occurrence of certain business emergencies. Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, and the name, address, and toll-free or collect telephone numbers of a person or department for both your present servicer and your new servicer to answer questions. During the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you. Complaint Resolution Section 6 of RESPA (12 U.S.C. Section 2605) gives you certain consumer rights, whether or not your loan servicing is transferred. If you send a “qualified written request” to your servicer, then your servicer must provided you with a written acknowledgment within 20 Business days of receipt of your request. A qualified written request is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and the information regarding your request. Not later than 60 Business Days after receiving your request, your servicer must make any appropriate corrections, to your account, or must provided you with a written clarification regarding any dispute. During this 60 Business Day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request. A Business day is any day in which the offices of the business entity are open to the public for carrying on substantially all of its business functions. Damage and Costs Section 6 of RESPA also provides for damages and costs for individual or classes of individuals in circumstances where servicers are shown to have violated the requirements of that section Note: If there is any lawsuit originated by the customer: KDC will apply California substantive law In all respects. In the event of any lawsuit arising out of or relating to this agreement, its breach or enforcement, including an action for declaratory relief, the prevailing party in such action or proceedings shall be entitled to receive his or its damages, court costs and reasonable out of pocket expenses including reasonable attorneys’ fees. Such recovery shall include court costs, reasonable out of packet expenses, and attorneys’ fees on appeal, if any. The arbitrator or court shall determine who is the prevailing party, whether or not the dispute or controversy proceeds to final judgment.

Servicing Transfer Estimates 1. The following is the best estimate of what will happen to the servicing of your mortgage loan: A. We may assign, sell or transfer the servicing of your loan while the loan is outstanding. We are able to service your loan, and we ____ will service your loan. _X__ will not service your loan. ____ haven’t decided whether to service your loan. B. _X__ We do not service mortgage loans __X__ and we have not serviced mortgage loans in the past three years. We presently intend to assign, sell or transfer the servicing of your mortgage loan. You will be informed about your servicer. 2. For all mortgage loans that we make in the 12th month period after your mortgage loan is funded, we estimate that the percentage of such loans for which we will transfer servicing is between: _X__ 0 to 25% ____ 26 to 50% _________51 to 75% ________76 to 100% The estimated _X__ does___does not include assignments, sales or transfers to affiliates or subsidiaries. This is only our best estimate and it is not binding. Business conditions or other circumstances may affect our future transferring decisions. 3. A. _____We have previously assigned, sold, or transferred the servicing of mortgage loans. B. _X__ This is our record of transferring the servicing of mortgage loans we have made in: Year Percentage of Loans Transferred 2010 100.0% 2011 100.0% 2012 100.0% This information does___does not include assignments, sales or transfers to affiliates or subsidiaries. Acknowledgement 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 evidence by my/our signature’s below; Applicant_________________________________ Date__________________ Applicant_________________________________ Date___________________

Borrower’s Authorization to Receive Documents Electronically

I,__________________________________ authorize __________________________________

to send my Mortgage Loan Disclosures and Appraisal Report to my following email address

_______________________________________. This includes, but is not limited to, the initial

Mortgage Loan Disclosures that may be required to process my home loan application.

___________________________________ ______________

Borrower Signature Date

Borrower’s Authorization to Receive Documents Electronically

I,__________________________________ authorize __________________________________

to send my Mortgage Loan Disclosures and Appraisal Report to my following email address

_______________________________________. This includes, but is not limited to, the initial

Mortgage Loan Disclosures that may be required to process my home loan application.

___________________________________ ______________


Credit Report Inquiry Certification

Borrower’s Name _______________________________________________________________

Loan #___________________________

Creditor _______________________________ Date _________ New Account Opened? Yes/No

Purpose of the inquiry: __________________________________________________________











This is to certify that I have disclosed all inquiries on my credit report within the past 120 days.

_________________________________ ____________________


Anti-Steering Disclosure

The Federal Truth-in-Lending Act and Regulation Z prohibits the “Loan Origination Company” and the “Mortgage Loan Originator” from directing or “steering” the borrower(s), to consummate a loan based on the fact that we will receive greater compensation from the lender in the transaction than in other transactions we offered or could have offered the borrower, unless the loan is in the borrower’s interest.

“Steering” means advising, counseling, or otherwise influencing the borrower to accept the loan. These anti-steering rules require that any time we broker a loan; we must provide the borrower the 3 lowest cost alternatives available through us for which the borrower is qualified.

To ensure compliance with these requirements, we obtained loan options from a significant number of lenders with whom we regularly do business for each type of loan in which the borrower expressed an interest and presented options to the borrower which were:

Type of Transaction (check one)

Fixed Rate

Adjustable Rate

Interest Rate

Total origination points or fees and

discount points

Option 1 Loan with the lowest Interest Rate ________% $________

Option 2 Loan with the lowest Interest Rate without negative amortization, a prepayment penalty, interest-only payments, a balloon payment in the first 7 years of the life of the loan, a demand feature, shared equity, or shared appreciation

________%

$________

Option 3 Loan with the lowest total dollar amount for origination points or fees and discount points

________% $________

You are applying for a loan with the following terms ________% $________

Broker Certification

By signing below, I confirm the following:

As required by the “safe harbor” provision of Regulation Z, 12 CFR § 226.36, we presented loan options to the borrower that meet the requirements described above.

Loan Originator/Loan Officer Printed Name

Loan Originator/Loan Officer Signature Date

Print Company Name

Borrower Certification

By signing below, I confirm that I received the above information as well as this form:

Borrower Date Borrower Date



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□ Consumer-Paid Broker Compensation

I/We will pay the Broker compensation ŦƻǊ ŀǊǊŀƴƎƛƴƎΣ ƴŜƎƻǘƛŀǘƛƴƎΣ ŀƴŘ ƻōǘŀƛƴƛƴg ǘƘƛǎ ƭƻŀƴ όǘƘŜ ά.ǊƻƪŜǊCŜŜέύΦ Lκ²Ŝ ǳƴŘŜǊǎǘŀƴŘ ǘƘŀǘ ƛŦ LκǿŜ ŀƳκŀǊŜ Ǉŀȅƛƴg ǘƘŜ .ǊƻƪŜǊ CŜŜΣ ǘƘŜ .ǊƻƪŜǊ Ƴŀȅ ƴƻǘ ǊŜŎŜƛǾŜŎƻƳǇŜƴǎŀǘƛƻƴ ƻŦ ŀƴȅ ƪƛƴŘ ƻƴ ǘƘƛǎ ƭƻŀƴΣ ŘƛǊŜŎǘƭȅ ƻǊ ƛƴŘƛǊŜŎǘƭȅΣ ŦǊƻƳ ŀƴȅ ƻǘƘŜǊ ǇŜǊǎƻƴΣ ƛƴŎƭǳŘƛƴg ǘƘŜ [ŜƴŘŜǊΦ¢ƘŜ .ǊƻƪŜǊ CŜŜ ŎƻǾŜǊǎ ǇŀȅƳŜƴǘ ŦƻǊ ōǊƻƪŜǊ ǎŜǊǾƛŎŜǎ ƻƴƭȅ ŀƴŘ ŘƻŜǎ ƴƻǘ ƛƴŎƭǳŘŜ ƻǘƘŜǊ Ŏƭƻǎƛƴg Ŏƻǎǘǎ ǿƘƛŎƘŀǊŜ ǎƘƻǿƴ ƻƴ ǘƘŜ DƻƻŘ CŀƛǘƘ 9ǎǘƛƳŀǘŜΣ ƛƴŎƭǳŘƛƴg ŎƘŀǊƎŜǎ ƛƴ .ƭƻŎƪ 1 ǘƘŀǘ ŀǊŜ ƴƻǘ ŎƻƴǎƛŘŜǊŜŘ ǘƻ ōŜ ōǊƻƪŜǊŎƻƳǇŜƴǎŀǘƛƻƴΦ ¢ƘŜ .ǊƻƪŜǊ CŜŜ ǿƛƭl ōŜ ǇŀƛŘ ōȅ ƳŜκǳǎ ŘƛǊŜŎǘƭȅ ǿƛǘƘ ŎŀǎƘ ǘƘŀǘ LκǿŜ ǿill ōǊƛƴg ǘƻ ŎƭƻǎƛƴƎΣ ƻǊΣŘŜǇŜƴŘƛƴg ƻƴ ƭƻŀƴ ŀǇǇǊƻǾŀƭΣ ǎƻƳŜ ƻǊ ŀll ƻŦ ǘƘŜ .ǊƻƪŜǊ CŜŜ Ƴŀȅ ōŜ ƛƴŎƭǳŘŜŘ ƛƴ ǘƘŜ ƭƻŀƴ ŀƳƻǳƴǘ ŀƴŘ ǇŀƛŘǘƻ ǘƘŜ .ǊƻƪŜǊ ŀǘ Ŏƭƻǎƛƴg ƻǳǘ ƻŦ ƭƻŀƴ ǇǊƻŎŜŜŘǎΦ

□ Lender-Paid Broker Compensation

I/We elect for the Lender to pay the Broker ŦƻǊ ŀǊǊŀƴƎƛƴƎΣ ƴŜƎƻǘƛŀǘƛƴƎΣ ŀƴŘ ƻōǘŀƛƴƛƴg ǘƘƛǎ ƭƻŀƴΦ tŀȅƳŜƴǘǘƻ ǘƘŜ .ǊƻƪŜǊ ƛǎ ōŀǎŜŘ ƻƴ ŀ ŦƛȄŜŘ ǇŜǊŎŜƴǘŀƎŜ ƻŦ ǘƘŜ ƭƻŀƴ ŀƳƻǳƴǘΣ ŀƴŘ Ƴŀȅ ōŜ ǎǳōƧŜŎǘ ǘƻ ŀ ƳƛƴƛƳǳƳ ƻǊƳŀȄƛƳǳƳ ƭƻŀƴ ŀƳƻǳƴǘΦ Lκ²Ŝ ǳƴŘŜǊǎǘŀƴŘ ǘƘŀǘ ōŜŎŀǳǎŜ ǘƘŜ ƭŜƴŘŜǊ ƛǎ Ǉŀȅƛƴg ǘƘŜ .ǊƻƪŜǊΣ I/we may notdirectly or indirectly pay the Broker compensation of any kind on this loanΦ LκǿŜ ŀƳκŀǊŜΣ ƘƻǿŜǾŜǊΣǊŜǎǇƻƴǎƛōƭŜ ŦƻǊ ƻǘƘŜǊ Ŏƭƻǎƛƴg Ŏƻǎǘǎ ǿƘƛŎƘ ŀǊŜ ǎƘƻǿƴ ƻƴ ǘƘŜ DƻƻŘ CŀƛǘƘ 9ǎǘƛƳŀǘŜΦ

Lκ²Ŝ ŀŎƪƴƻǿƭŜŘƎŜ ǘƘŜ .ǊƻƪŜǊ ǇǊƻǾƛŘŜŘ ƳŜκǳǎ ǿƛǘƘ ƭƻŀƴ ƻǇǘƛƻƴǎ Ŏƻƴǎƛǎǘƛƴg ƻŦΥ

όмύ ŀ ƭƻŀƴ ǿƛǘƘ ǘƘŜ ƭƻǿŜǎǘ ƛƴǘŜǊŜǎǘ ǊŀǘŜΣ

όнύ ŀ ƭƻŀƴ ǿƛǘƘ ǘƘŜ ƭƻǿŜǎǘ ǘƻǘŀl ŘƻƭƭŀǊ ŀƳƻǳƴǘ ŦƻǊ ƻǊƛƎƛƴŀǘƛƻƴ ŦŜŜǎ ŀƴŘ ŘƛǎŎƻǳƴǘ ǇƻƛƴǘǎΣ ŀƴŘ

όоύ ŀ ƭƻŀƴ ǿƛǘƘ ǘƘŜ ƭƻǿŜǎǘ ǊŀǘŜ ŀƴŘ ƴƻ Ǌƛǎƪȅ ŦŜŀǘǳǊŜǎ όŜΦƎΦ ǇǊŜǇŀȅƳŜƴǘ ǇŜƴŀƭǘȅ ƻǊ ƴŜƎŀǘƛǾŜ ŀƳƻǊǘƛȊŀǘƛƻƴύΦ

¢ƘŜǎŜ ƻǇǘƛƻƴǎ ǿŜǊŜ ǇǊŜǎŜƴǘŜŘ ŦƻǊ ŜŀŎƘ ǘȅǇŜ ƻŦ ǘǊŀƴǎŀŎǘƛƻƴ ŦƻǊ ǿƘƛŎƘ LκǿŜ ƘŀǾŜ ŜȄǇǊŜǎǎŜŘ ŀƴ ƛƴǘŜǊŜǎǘΦ

SECTION 3. – UPFRONT FEES (required on all loans)

Fees

□ Other than a credit report fee, no application fee or other type of fee was collected before the borrowerreceived the GFE and Initial TIL and expressed intent to move forward with the loan.

SECTION 4. – DISCLOSURES (required where applicable)

Disclosures

In addition to other required disclosures, the undersigned certifies that the following disclosures were provided tothe Borrower(s): Mark all that apply.

□ Purchase loans: Special Information Booklet ("Shopping For Your Home Loan")

□ ARM loans: CHARM booklet (Consumer Handbook on Adjustable-Rate Mortgages)

□ Interest only loans: Interest-only booklet (Interest Only Mortgage Payments and Payment InterestArms - Are They For You?)

SECTION 5. – CERTIFICATION (required on all loans)

Borrower(s) certify that Borrower(s) have received one copy of this completed form and that the above is true andcorrect.

Borrower(s)

Signature: ________________________________________________ Date:______________________

Print Name: _______________________________________________

Signature: ________________________________________________ Date:______________________

Print Name: _______________________________________________

The undersigned certifies that the above is true and correct. The undersigned further certifies that allcompensation paid by the Broker to its employees complies with all federal and state restrictions.

Broker

By: _________________________________________________ Date: _____________________

Print Name and Title: ___________________________________________________________________

Subject to credit review and approval. Data Mortgage Inc., d.b.a. Essex Mortgage, 1100 Town and Country Road, Suite 100, OrangeCalifornia 92868, California Department of Real Estate License No. 00936013. Essex Mortgage is an Equal Housing Lender.

Gaby

Typewritten Text

Loan Number:

CALIFORNIA DOMESTIC PARTNERSHIP ADDENDUM TO

UNIFORM RESIDENTIAL LOAN APPLICATION

Date:

Provided by: Essex Mortgage

Borrower:

Co-Borrower:

Property Address:

On and after January 1, 2005 California law extends the same rights, protections, benefits, and duties of Marriage to persons

registered as domestic partners in the State of California. Thus, a non-borrowing Domestic partner whose domestic partnership is

registered in California will be presumed to have a Community property interest in the real property of the borrowing domestic

partner that will secure Repayment of this loan transaction regardless of whether the non-borrowing partner holds, or will hold,

legal title to that property.

Furthermore, a legal union of two persons of the same sex, other than marriage, that is validly formed in another jurisdiction and

that is substantially equivalent to a domestic partnership under California law is recognized as a valid domestic partnership in

California regardless of whether it bears the name domestic partnership.

Accordingly, if you, as the Borrower, indicate that you are involved in a domestic partnership registered with the State of

California or part of a legal union formed in another jurisdiction, the Lender will require that your domestic partner also

sign the deed of trust or other security instrument (and perhaps other related loan documents) that secures repayment of

this loan.

You should consult an attorney for specific legal advice regarding community property rights and for specific legal advice

regarding rights, protections, benefits, and duties under California law.

The undersigned Borrow hereby represents to Lender and to Lender’s actual or potential agents, brokers, processors,

attorneys, insurers, servicers, successors and assigns, the following:

Please check all those statement below that apply.

� I am not involved in a domestic partnership in California or in any other jurisdiction recognizing a

domestic partnership or civil union.

� I do not have a pending termination or judgment of dissolution or nullity of a domestic partnership or civil

union.

� I have registered a domestic partnership with the State of California. The Lender may request that you

provide a Certificate of Domestic Partnership issued by the California Secretary of State.

� I am involved in a domestic partnership or civil union formed in a jurisdiction outside that State of

California.

If you have registered a domestic partnership in California or formed a domestic partnership or civil union in

another jurisdiction, please provide the name of your domestic partner in the space provided below:

_________________________________________________ _____________________________________________

Borrower Date

_________________________________________________ _____________________________________________

Co-Borrower Date

____________________________________________________________________________________________________________________________________

CA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION

CA Family Code 297 – 295.5

CADPA.MSC 02/20/08

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)

FLOOD DISASTER PROTECTION ACT OF 1973

DATE:

APPLICATION NO:

PROPERTY ADDRESS:

I/We hereby acknowledge that we have been advised of the Flood Disaster Protection Act of 1973and the requirements that I/We provide such insurance coverage on any property located withinan area designated as a Flood Hazard Area. Should the subject property fall within a flood hazardarea as defined in the Act, then I/We authorize its successors and/or assigns to purchase such insurance and I/We further agree to pay promptlythe cost thereof.

Calyx Form fdact.frm 12/96

Olman Thomas Bohorquez Claudia Bohorquez

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)

J and P Mortgage dba Priority Mortgage

GIFT LETTER

Applicant(s): Loan Number:

I, , do hereby certify the following:

(1) I have made a gift of $ to

Whose relationship is:

(2) This gift is to be applied toward the purchase of the property located at:

(Donor)

(Property Address)

(Amount) (Recipient)

(Relationship)

(Source)

(3) No repayment of the gift is expected or implied in the form of cash or by future

services of the recipient.

(4) The funds given to the homebuyer were not made available to the donor from any

person or entity with an interest in the sale of the property including the seller,

real estate agent or broker, builder, loan officer, or any entity associated with them.

(5) The source of this gift is:

Donor Signature Date

Donor Name (Print or Type)

Donor Address

Donor Phone Number

( )

Borrower Signature

Borrower Signature

WARNING: Our signatures above indicate that we fully understand that it is a Federal Crime punishableby fine, imprisonment, or both to knowingly make any false statement concerning any of the above factsas applicable under the provision of Title 18, United States Code, Section 1012 and 1014.

Attachments:

1. Evidence of Withdrawal of Funds from Donor’s Account.2. Evidence of Receipt of Transfer of Funds.

Calyx Form - giftlttr.frm (09/10)


Gaby

Typewritten Text

Gaby

Typewritten Text

Gaby

Typewritten Text

Gaby

Typewritten Text

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)

Experian

P.O. Box 2002

Allen, TX 75013

(P)888-397-3742

Consumer Reporting Agency Borrower: Co-Brw:

Model Used:

Range of Possible Scoresto

Score: Created:

Factors

Score: Created:

Factors

Model Used:

Range of Possible Scoresto

Score: Created:

Factors

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Factors

I/We have received a copy of this disclosure.

Applicant Date Applicant Date

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

TransUnion

P.O. Box 1000

Chester, PA 19022

(P)800-888-4213

Equifax

P.O. Box 740241

Atlanta, GA 30374

(P)800-685-1111

Gaby

Typewritten Text

INFORMED CONSUMER CHOICE DISCLOSURE NOTICE

Borrower(s): Property Addr:

Loan Number:

______________________________

______________________________

______________________________

______________________________

______________________________

In addition to an FHA-insured mortgage, you may also qualify for other mortgage products offered by your lender. To assure that youare aware of possible choices in financing, your lender has prepared a comparison of the typical costs of alternative conventional mortgageproduct(s) below, using representative loan amounts and costs (the actual loan amounts and associated costs shown below will vary from your own mortgage loan transaction). You should study the comparison carefully, ask questions, and determine which product is best foryou. The information provided below was prepared as of

Neither your lender nor FHA warrants that you actually qualify for any mortgage loan offered by your lender. This notice is provided to identify the key differences between these mortgage products offered by your lender. This disclosure is not a contract and does notconstitute loan approval. Actual mortgage approval can only be made following a full underwriting analysis by your mortgage lender.

1

2

3

4

5

6

7

8

9

10

Sales Price

Mortgage Amount

(with Up-front Mortgage Insurance Premium)

Closing Costs

Down Payment Needed

Interest Rate and Term of Loan in Years

Monthly Payment (principal and interest only)

Loan-to-Value

Monthly Mortgage Insurance Premium (first year) *

Maximum # of Years of Monthly Insurance Premium Payments

Up-front Mortgage Insurance Premium (if applicable) **

(Included in Mortgage Amount, line 2)

FHA Mortgage Insurance Premium Information:

* Monthly mortgage insurance premiums are calculated on the average annual principal balance, i.e., as the amount you owe on the loandecreases each year, so does the amount of the monthly premium.

** Based on an up-front mortgage insurance premium rate of %.

If you paid an up-front mortgage insurance premium, you will also be charged a monthly mortgage insurance premium until theloan-to-value ratio of your mortgage reaches 78 percent of the sales price or appraised value of your home, whichever was lowerinitial(provided that premiums are paid for at least five years). You will reach 78 percent loan-to-value threshold in one of two ways: Throughnormal amortization as you make your monthly payments, or by paying additional principal on the mortgage. Your lender can adviseyou on when the mortgage will reach the 78 percent level through normal amortization.

If you have a 15-year mortgage and make a downpayment in excess of 10 percent, you will not have to make monthly mortgageinsurance premiums. You will also reach the 78 percent loan-to-value threshold earlier than on longer term mortgages and may not haveto pay monthly mortgage insurance premiums for the full five years.

You are required to make these payments on your FHA-insured loan unless you refinance or the mortgage is otherwise paid in full.

I/We have received a copy of this disclosure.

Borrower

Borrower

Date

Date

Calyx Form - ccdisc.frm(3/09)


FHA IDENTITY OF INTEREST CERTIFICATION

Applicant(s): Broker/Lender:

What is an "Identity of Interest?"

FHA defines an "identity of interest" as any relationship where the purchaser and seller arerelated, and/or affiliated through a business relationship. This could, for example, be parent/childas buyer/seller, corporation selling to an employee, persons who are partners in other projects asbuyer/seller. FHA restricts the loan to value on such loans to 75% of the lesser of the propertyvalue plus closing costs or acquisition cost for investor properties/non-occupying co-borrower

transactions; or 85% of the lesser of the property value plus closing costs or acquisition cost forowner occupied properties.

Check the option below that describes your situation:

I have an "identity of interest" with the seller of the property I plan to purchase withthe FHA financing for which I have applied.

I have an "identity of interest" with the seller of the property I plan to purchase with theFHA financing for which I have applied. Further, I understand that my loan-to-value ratio isrestricted as follows:

• to 85% of the lesser of the property value plus closing costs or acquisition cost since I willoccupy the property;

• to 75% of the lesser of the property value plus closing costs or acquisition cost sincethere is a non-occupying co-borrower or a non-occupying borrower which will not occupythe property as a principal residence.

• My relationship with the seller is: .

WARNING: Our signature(s) below indicate that we fully understand that it is a Federal Crimepunishable by fine, imprisonment or both to knowingly make any false statements concerning anyof the above facts as applicable under the provision of Title 18, United States Code, Section 1012and 1014.

I/We have received a copy of this disclosure:

Date Date

do not

do

Calyx Form - idofint.frm (09/02)


8932 Katella Avenue Suite 104

Anaheim, CA 92804


Borrower's Contract with Respect to

Hotel and Transient Use of Property

U.S. Department of Housingand Urban DevelopmentOffice of HousingFederal Housing Commissioner

OMB Approval No. 2502-0059(Expires 02/28/2014)

FHA Case Number: Borrower's Name:

Property Address:

By this contract between the person signing as Borrower/Mort-gagor, and hereinafter referred to as the Borrower, and the Secretaryof Housing and Urban Development, hereinafter referred to as theSecretary, the parties hereto agree and covenant as follows:

The Secretary has been requested to insure a mortgage on thehousing identified in the caption hereof under the provisions of theNational Housing Act, as amended:

The Borrower, as the owner of said property by reason of suchmortgage insurance, will receive the benefits of said Act;

Sec. 513(a) of the National Housing Act, as amended, provides thatas long as mortgage insurance is outstanding no portion of thehousing covered by any such mortgage shall be used for transient orhotel purposes;

The Secretary has defined the term transient or hotel purposes tomean (1) any rental for a period less than 30 days, or (2) any rentalif the occupants of the housing accommodations are providedcustomary hotel services such as room service for food and bever-ages, maid service, furnishing and laundering of linen, and bellboyservice.

In consideration of the foregoing the Borrower covenants andagrees that so long as any of the housing identified in the captionhereof or any part thereof is subject to a mortgage insured under theprovisions of the National Housing Act, the Borrower, his/hersuccessors and assigns, will not rent, offer to rent, permit the rentalor permit the offering for rental of such housing or any part thereoffor transient of hotel purposes.

Pursuant to 28 U.S.C. Section 1746, I certify under penalty of perjury that the foregoing is true and correct.Warning: HUD will prosecute false claims and statements. Conviction may result in criminal and/or civil penalties.

(18 U.S.C. 1001, 1010, 1012; 31 U.S.C. 3729, 3802)

X

X

X

Date on which this Contractis Executed:

Borrower's Signature:

Co-Borrower's Signature:

Secretary of HUD, by Federal Housing Commissioner:(Signature of HUD Authorized Agent)

Previous editions are obsolete.Calyx Form - bcrhtup.frm (06/11) Page 1 of 1

form (3/93)ref Handbook s 4000.2 & 4155.1

HUD-92561


This Mortgage Broker Fee Agreement and Disclosure (“Agreement”) is by and between

2. YOUR MORTGAGE LOAN You are currently applying for a mortgage loan in the amount of $If your actual loan amount is different, then the dollar amount of any fee that is based on a percentage of the loan amount may increase if the loan amount

If this box is checked, the form has been amended. All amendments must be initialed by borrower,or a new agreement must be completed.

Signature: Signature:

Date: Date:

Broker Name: By: Signature:(Printed Name)

Date:ver. 1/10

Mortgage Broker Fee Agreement and Disclosure

(Must be completed)

(Must be completed)

CREDIT FOR SETTLEMENT COSTS FROM THE MORTGAGE LENDER IN EXCHANGE FOR YOUR SELECTED INTEREST RATE – This will be reflected as a credit to you on Block 2 of your Good Faith Estimate:

(1) In Wisconsin, this fee shall constitute a “broker administration fee.” In Iowa, this fee shall constitute a “broker administration fee.” In all other states, this fee shall constitute a broker origination fee.

1. OUR SERVICES: A mortgage broker charges fees to arrange a loan from a mortgage lender who will fund the loan. As your mortgage broker, we will assist you in obtaining a loan, but we do not offer the products of all mortgage lenders, and so we cannot guarantee you the lowest price or best loan terms available. Be sure that you understand and are satisfied with the mortgage loan product and terms we arrange for you. By signing below, you request us to arrange a mortgage loan from a mortgage lender and you agree to the fees listed below for our services.

, a mortgage broker (“we,” “us,” “our”) and the Borrower(s) who sign(s) below (“you,” “your”). This Agreement discloses and governs the overall fees that will be paid to your mortgage broker for the origination of your loan.

Borrower: Co-Borrower:

YOUR ADJUSTED BROKER FEE – The portion of our fees that will be paid by you to us directly after applying the above credit of the mortgage lender, if applicable. This amount is included in the “Your Adjusted Origination Charges” of Block A of your Good Faith Estimate. The “Your Adjusted Origination Charges” amount represents the total sum difference of Box 1 and Box 2 of your Good Faith Estimate:

By signing below, you acknowledge that:(i) You have received an initial Good Faith Estimate within three (3) business days of the mortgage loan application date and you intend to proceed with the loan transaction.(ii) The Agreement has been explained to you and you understand it. (iii) You have not been charged any fees, other than a reasonable credit fee (if applicable), prior to entering into this Agreement(iv) You voluntarily enter into this Agreement and agree to the fees above.(v) The fees above are based on current market rates and your current loan request.

(Must be completed)

increases, or decrease if the loan amount decreases. The fees in this Agreement are for broker services only and do not include other closing costs or credits from us or other parties for non-broker related services.

3. BROKER FEES: Depending on the loan program you select and subject to applicable legal requirements, our fees may be paid by you directly or indirectly, or a combination of both. For the portion of our fees paid directly, you will pay our fees from your own funds at or prior to the loan closing. For the portion of our fees paid indirectly, you may elect to include our fees in your loan amount and pay us at closing out of your loan proceeds. In addition, you mapay our fees by electing to pay the mortgage lender a higher interest. When you elect to pay a higher interest rate, the mortgage lender will provide you with a credit which will be applied against and reduce your settlement charges, including our fees. Paying our fees directly versus indirectly may result in a lower interest rate. We have discussed these fee payment options with you. In addition to our fees, estimates of other fees you will pay in connection with your loawill be shown on your Good Faith Estimate. Once your interest rate is locked and your loan amount and terms are finalized, we will be able to tell you the exact amount of all fees.

MAXIMUM BROKER FEE (1) – All fees that are paid to us for arranging your loan with a mortgage lender. This amount is included in the “Our origination charge” of Block 1 of your Good Faith Estimate. The “Our origination charge” amount represents the total sum of all origination charges and fees for your loan from the mortgage broker, mortgage lender and other third parties, as applicable.

Amount

NOTE: You may not be charged any fee, other than a reasonable credit report fee (if applicable), prior to (i) receiving your Good Faith Estimate from us, (ii) expressing your intent to proceed with the loan transaction and (iii) receiving the initial disclosures from the mortgage lender.

1

FHA DISCLOSURESAMENDATORY CLAUSE / REAL ESTATE CERTIFICATION

Date of Agreement:

File No.:

Buyer(s)

Seller(s)

Property Address :

FHA AMENDATORY CLAUSE

It is expressly agreed that notwithstanding any other provisions of this contract, the purchaser shall not be obligated to completethe purchase of the property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwiseunless the purchaser has been given in accordance with HUD/FHA or VA requirements a written statement by the FederalHousing Commissioner, Department of Veterans Affairs, or a Direct Endorsement lender setting forth the appraised value ofthe property of not less than $ . The purchaser shall have the privilege and option of proceeding withconsummation of the contract without regard to the amount of the appraised valuation. The appraised valuation is arrived atto determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does not warrantthe value nor the condition of the property. The purchaser should satisfy himself/herself that the price and condition of theproperty are acceptable.

Note: The dollar amount to be inserted in the amendatory clause is the sales price as stated in the contract. If the borrower andseller agree to adjust the sales price in response to an appraised value that is less than the sales price, a new amendatory clauseis not required. However, the loan application package must include the original sales contract with the same price as shownon the amendatory clause, along with the revised or amended sales contract.

Borrower Date

Borrower Date

Seller Date

Seller Date

REAL ESTATE CERTIFICATION

We, the borrower, seller, and the selling real estate agent or broker involved in the sales transaction certify by our signaturesbelow that the terms and conditions of the sales contract are true to the best of our knowledge and belief, and that any otheragreement entered into by any of these parties in connection with this real estate transaction is part of, or attached to, the sales agreement.

Borrower Date

Borrower Date

Seller Date

Seller Date

Listing Agent (as applicable) Date

Selling Agent (as applicable) Date

WARNING: Our signatures above indicate that we fully understand that it is a Federal Crime punishable by fine, imprisonment or both to knowingly make any false statements concerning any of the above facts as applicable under the provision of Title 18,United States Code, Section 1012 and 1014.

Calyx Form - amecla.frm (05/02)

Gaby

Typewritten Text

Gaby

Typewritten Text

Gaby

Typewritten Text

NOTICE TO HOMEOWNER

File No.:Property Address :

Assumption of HUD/FHA-Insured MortgagesRelease of Personal Liability

You are legally obligated to make the monthly payments required by your mortgage (deed of trust) and promissorynote.

The Department of Housing and Urban Development (HUD) has acted to keep investors and noncreditworthypurchasers from acquiring one- to four-family residential properties covered by certain FHA-insured mortgages.There are minor exceptions to the restriction on investors: loans to public agencies and some nonprofitorganizations, Indian tribes or servicepersons; and loans under special mortgage insurance programs for propertysold by HUD, rehabilitation loans or refinancing of insured mortgages. Your lender can advise you if you areincluded in one of these exceptions.

HUD will therefore direct the lender to accelerate this FHA-insured mortgage loan if all or part of the property issold or transferred to a purchaser or recipient (1) who will not occupy the property as his or her principalresidence, or (2) who does occupy the property but whose credit has not been approved in accordance with HUDrequirements. This policy will apply except for certain sales or transfers where acceleration is prohibited by law.

When a loan is accelerated, the entire balance is declared ''immediately due and payable." Since HUD will notapprove the sale of the property covered by this mortgage to an investor or to a person whose credit has not beenapproved, you, the original homeowner, would remain liable for the mortgage debt even though the title to theproperty might have been transferred to the new buyer.

Even if you sell your home by letting an approved purchaser (that is, a creditworthy owner-occupant) assume yourmortgage, you are still liable for the mortgage debt unless you obtain a release from liability from your mortgagelender. FHA-approved lenders have been instructed by HUD to prepare such a release when an original homeownersells his or her property to a creditworthy purchaser who executes an agreement to assume and pay the mortgagedebt and thereby agrees to become the substitute mortgagor. The release is contained in FormHUD-92210-1, (''Approval of Purchaser and Release of Seller"). You should ask for it if the mortgage lender doesnot provide it to you automatically when you sell your home to a creditworthy owner-occupant purchaser whoexecutes an agreement to assume personal liability for the debt. When this form is executed, you are no longerliable for the mortgage debt.

You must sign and date this notice as indicated, return one copy to your lender as proof of notification and keep one copy for your records.

Applicant Date

Applicant Date

* Instruction to lender : A copy of this notice must be given to the mortgagor(s) on or before the date of settlement.You should retain asigned copy in the origination file.

CALYX Form Nothom.frm 9/99

Gaby

Typewritten Text

BORROWER'S BLANKET SIGNATURE AUTHORIZATION

I hereby authorize to verify my past and present employment earnings records, bank accounts, stock holdings, and any other assets needed to process mymortgage loan application.

I further authorize to order a consumer credit report and verifyother credit information, including past and present mortgage references. It is understooda photocopy of this form will also serve as authorization.

The information the lender obtains is only to be used in the processing of my mortgage loanapplication.

Borrower Date

Co-Borrower Date

NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA has a right of access to financial records held by financial institutionsin connection with the consideration or administration of assistance to you. Financial recordsinvolving your transaction will be available to HUD/FHA without further notice or authorizationbut will not by disclosed or released by this institution to another Government Agency orDepartment without your consent except as required or permitted by law.

Calyx Form - bbsa.frm (05/02)

Gaby

Typewritten Text

Energy-Efficient MortgagesFact Sheet

File No.:Property Address :

Purpose

Provides mortgage insurance for a person to purchase or refinance a principal residence and incorporate the cost ofenergy efficient improvements into the mortgage. The mortgage loan is funded by a lending institution, such as amortgage company, bank, savings and loan association and the mortgage is insured by HUD.

Eligibility Requirements

* Borrower must meet standard FHA credit qualifications.

* Borrower is able to finance closing costs and the up-front mortgage insurance premium into the mortgage. Theborrower will also be responsible for paying an annual premium.

* Existing or newly constructed one to four unit properties are eligible.

* The cost of the energy-efficient improvements that may be eligible for financing into the mortgage is thegreater of 5 percent of the property's value (not to exceed $8,000) or $4,000.

* To be eligible for inclusion in the mortgage, the energy-efficient improvements must be cost effective,meaning that the total cost of the improvements is less than the total present value of the energy saved over theuseful life of the energy improvement.

* FHA does not set the fees for the Home Energy Rating, including the physical inspection, the HERS Report,and any post-installation tests. The fees charged to the borrower for the Home Energy Rating must be customaryand reasonable for the area. These fees may be included and financed as part of the energy package if theentire package, including those fees, is cost-effective. If not, such fees are considered allowable closing costs.With a Section 203(k), the rating fee and inspections would be in addition to the consultant’s fee.

* Maximum mortgage amount for a single-family unit is $ __________ plus the cost of the eligible energy-efficientimprovements. Lesser limits may be applicable in other areas.

For More Information

* Contact your local HUD office.

Applicant Date

Applicant Date

Calyx Form - Eneeffmo.frm (3/09)

CAUTION

CAUTION

For Your Protection:Get a Home Inspection

Why a Buyer Needs a Home Inspection

Appraisals are Different from Home Inspections

FHA Does Not Guarantee the Value or Condition of your Potential New Home

Radon Gas Testing

Be an Informed Buyer

A home inspection gives the buyer more detailed information about the overall condition of the home priorto purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potentialnew home to:

Evaluate the physical condition: structure, construction, and mechanical systems;Identify items that need to be repaired or replaced; andEstimate the remaining useful life of the major systems, equipment, structure, and finishes.

An appraisal is different from a home inspection. Appraisals are for lenders; home inspections are for buyers.An appraisal is required to:

Estimate the market value of a house;Make sure that the house meets FHA minimum property standards/requirements; andMake sure that the property is marketable.

If you find problems with your new home after closing, FHA can not give or lend you money for repairs,and FHA can not buy the home back from you. That is why it is so important for you, the buyer, to getan independent home inspection. Ask a qualified home inspector to inspect your potential new homeand give you the information you need to make a wise decision.

The United States Environmental Protection Agency and the Surgeon General of the United States haverecommended that all houses should be tested for radon. For more information on radon testing, call thetoll-free National Radon Information Line at 1-800-SOS-Radon or 1-800-767-7236. As with a home inspection,if you decide to test for radon, you may do so before signing your contract, or you may do so after signing thecontract as long as your contract states the sale of the home depends on your satisfaction with the results ofthe radon test.

It is your responsibility to be an informed buyer. Be sure that what you buy is satisfactory in every respect. Youhave the right to carefully examine your potential new home with a qualified home inspector. You mayarrange to do so before signing your contract, or may do so after signing the contract as long as your contractstates that the sale of the home depends on the inspection.

U.S. Department of Housingand Urban DevelopmentFederal Housing Administration (FHA)

OMB Approval No: 2502-0538(exp. 07/31/2009)

HUD-92564-CN (6/06)EQUAL HOUSING

O P P O R T U N I T Y

Your Door to

H O M E O WN E R S H I P

F H A

Calyx Form - homeinsp.frm (01/07)

HUD APPRAISED VALUE DISCLOSURE

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower(s): Lender:

Property Address:

Loan Number:

I (We) understand that my (our) application for a FHA-insured mortgage is being requested under the DirectEndorsement (DE) program. The Lender has advised me (us) that the appraiser has assigned a value of$ to the property being purchased. I am (We are) aware that the final determination ofvalue for mortgage insurance purposes will be made by the DE underwriter after he/she reviews the report. It isunderstood that I (we) may elect to cancel the application or renegotiate with the seller if the DE Underwriterreduces the value below the amount set forth in the sales contract or requires additional repairs for which theseller will not be responsible.

Calyx Form Hudavd.frm 12/96

Gaby

Typewritten Text

Important Notice to Homebuyers U.S. Department of Housingand Urban Development

Office of Housing - FederalHousing Commissioner

OMB Approval No. 2502-0059(Expires 02/28/2014)

You must read this entire document at the time you apply for the loan.Return one copy to lender as proof of notification and keep one copy for your records.

Condition of Property

The property you are buying is not HUD/FHA approved and HUD/FHA does not warrant the condition or the valueof the property. An appraisal will be performed to estimate the value of the property, but this appraisal does not guarantee that the house is free of defects. You should inspect the property yourself very carefully or hire aprofessional inspection service to inspect the property for you.

Interest Rate and Discount Points

HUD does not regulate the interest rate or the dis-count points that may be paid by you or the seller or otherthird party. You should shop around to be sure you aresatisfied with the loan terms offered and with the servicereputation of the lender you have chosen.

The interest rate, any discount points and the length oftime the lender will honor the loan terms are all negoti-ated between you and the lender.

The seller can pay the discount points, or a portionthereof, if you and the seller agree to such an arrange-ment.

Lenders may agree to guarantee or "lock-in" the loan

terms for a definite period of time (i.e., 15, 30, 60 days,etc.) or may permit your loan to be determined by futuremarket conditions, also known as "floating". Lendersmay require a fee to lock in the interest rate or the termsof the loan, but must provide a written agreement cover-ing a minimum of 15 days before the anticipated closing.Your agreement with the lender will determine the de-gree, if any, that the interest rate and discount pointsmay rise before closing.

If the lender determines you are eligible for the mort-gage, your agreement with the seller may require you tocomplete the transaction or lose your deposit on theproperty.

Don't Commit Loan FraudIt is important for you to understand that you are requiredto provide complete and accurate information whenapplying for a mortgage loan.

Do not falsify information about your income or as-sets.

Disclose all loans and debts (including money thatmay have been borrowed to make the downpayment).

Do not provide false letters-of-credit, cash-on-handstatements, gift letters or sweat equity letters.

Do not accept funds to be used for your downpaymentfrom any other party (seller, real estate salesperson,builder, etc.).

Do not falsely certify that a property will be used foryour primary residence when you are actually going touse it as a rental property.

Do not act as a "strawbuyer" (somebody who pur-chases a property for another person and then transferstitle of the property to that person), nor should you give thatperson personal or credit information for them touse in any such scheme.

Do not apply for a loan by assuming the identityof another person.

Do not sign an incomplete or blank document;that is, one missing the name and address of therecipient and/or other important identifying infor-mation.

Penalties for Loan Fraud: Federal laws provide se-vere penalties for fraud, misrepresentation, or con-spiracy to influence wrongly the issuance of mortgageinsurance by HUD. You can be subject to a possibleprison term and fine of up to $10,000 for providing falseinformation. Additionally, you could be prohibited fromobtaining a HUD-insured loan for an indefinite period.

Report Loan Fraud: If you are aware of any fraud inHUD programs or if an individual tries to persuade youto make false statements on a loan application, youshould report the matter by calling your nearest HUDoffice or the HUD Regional Inspector General, or call theHUD Hotline on 1 (800) 347-3735.

Warning: It is a crime to knowingly make false state-ments to the United States Government on this or anysimilar form. Penalties upon conviction can include afine and imprisonment. For details see: Title 18 U.SCode Section 1001 and Section 1010.

Discrimination

If you believe you have been subject to discrimination because of race, color, religion, sex, handicap, familial status,or national origin, you should call HUD's Fair Housing & Equal Opportunity Complaint Hotline: 1 (800) 669-9777.

Page 1 of 2Previous editions are obsoleteCalyx Form - H92900b1.frm (04/11)

form HUD-92900-B (12/2004)ref. Handbooks 4150.1 & 4155.1

About Prepayment

This notice is to advise you of the requirements thatmust be followed to accomplish a prepayment of yourmortgage, and to prevent accrual of any interest afterthe date of prepayment.

You may prepay any or all of the outstanding indebted-ness due under your mortgage at any time, withoutpenalty. However, to avoid the accrual of interest onany prepayment, the prepayment must be received onthe installment due date (the first day of the month) if thelender stated this policy in its response to a request fora payoff figure.

Otherwise, you may be required to pay interest on theamount prepaid through the end of the month. The lendercan refuse to accept prepayment on any date otherthan the installment due date.

FHA Mortgage Insurance Information

Who may be eligible for a refund?

Premium Refund: You may be eligible for a refund ofa portion of the insurance premium if you paid anupfront mortgage insurance premium at settlement andare refinancing with another FHA mortgage.

Review your settlement papers or check with yourmortgage company to determine if you paid an upfrontpremium.

Exceptions

Assumptions: When a FHA insured loan is assumedthe insurance remains in force (the seller receives norefund). The owner(s) of the property at the time theinsurance is terminated is entitled to any refund.

FHA-to-FHA Refinance: When a FHA insured loan isrefinanced, the refund from the old premium may beapplied toward the upfront premium required for the newloan.

How are Refunds Determined?The FHA Commissioner determines how much of theupfront premium is refunded when loans are terminated.Refunds are based on the number of months the loan isinsured.

Monthly Insurance Premiums

If you paid an upfront mortgage insurance premium,you will also be charged a monthly mortgage insurancepremium until the loan-to-value of your mortgagereaches 78 percent of the initial sales price or ap-praised value of your home, whichever was lower(provided that premiums are paid for at least fiveyears). You will reach the 78 percent loan-to-valuethreshold in one of two ways: Through normal amortiza-tion as you make your monthly payments, or by payingadditional principal on the mortgage. Your lender canadvise you on when the mortgage will reach the 78percent loan-to-value threshold. If you were notcharged an upfront premium, you will pay the monthlypremium for the life of the mortgage.

Important: The rules governing the eligibility for premium refunds are based on thefinancial status of the FHA insurance fund and are subject to change.

SI USTED HABLA ESPANOL Y TIENE DIFICULTAD LEYENDO O HABLANDO INGLES, POR FAVOR LLAME AESTE NUMERO TELEFONICO 800.697.6967.

You, the borrower(s), must be certain that you understand the transaction. Seek professional advice if youare uncertain.

Acknowledgment: I acknowledge that I have read and received a copy of this notice at the time of loan application. Thisnotice does not constitute a contract or binding agreement. It is designed to provide current HUD/FHA policy regardingrefunds.

Signature & Date Signature & Date

Signature & Date Signature & Date

X X

X X

Previous editions are obsoleteCalyx Form - H92900b2.frm (03/05)

form HUD-92900-B (12/2004)ref. Handbooks 4150.1 & 4155.1Page 2 of 2

HUD/VA Addendum to Uniform Residential Loan Application OMB Approval No. VA: 2900-0144HUD: 2502-0059 (exp (2/28/2014))

Part I - Identifying Information (mark the type of application)

1. VA Application forHome Loan Guaranty

HUD/FHA Application for Insuranceunder the National Housing Act

2. Agency Case No: (include any suffix) 3. Lender's Case No. 4. Section of the Act(for HUD cases)

5. Borrower's Name & Present Address (include zip code)

6. Property Address (including name of subdivision, lot & block no. & zip code)

7. Loan Amount (include the UFMIP iffor HUD or Funding Fee if for VA)

$

8. Interest Rate

%

9. Proposed Maturity

yrs. mos.

10. Discount Amount(only if borrower ispermitted to pay)

11. Amount of UpFront Premium

$

12a. Amount of MonthlyPremium

$ /mo.

12b.Term of MonthlyPremium

months

13. Lender's I.D. Code 14. Sponsor/Agent I.D. Code

15. Lender's Name & Address (include zip code) 16. Name & Address of Sponsor/Agent

17. Lender's Telephone Number

Type or Print all entries clearly

VA: The veteran and the lender hereby apply to the Secretary of Veterans Affairs for Guaranty of the loan described here under Section 3710,Chapter 37, Title 38, United States Code, to the full extent permitted by the veteran's entitlement and severally agree that the Regulationspromulgated pursuant to Chapter 37, and in effect on the date of the loan shall govern the rights, duties, and liabilities of the parties.

18. First TimeHomebuyer ?

a. Yes

b. No

19. VA Only:

7)Construct Home (proceeds to be paid out duringconstruction)

8) Finance Co-op Purchase

Title will be Vested in:

Veteran

Veteran & Spouse

Other (Specify):

20. Purpose of Loan (blocks 9 - 12 are for VA loans only)

1) Purchase Existing Home Previously Occupied

2) Finance Improvements to Existing Property

3) Refinance (Refi.)

4) Purchase New Condo. Unit

5) Purchase Existing Condo. Unit

6) Purchase Existing Home Not Previously Occupied

9) Purchase Permanently Sited Manufactured Home

10) Purchase Permanently Sited Manufactured Home & Lot

11) Refi. Permanently Sited Manufactured Home to Buy Lot

12) Refi. Permanently Sited Manufactured Home/Lot Loan

Part II - Lender's Certification21. The undersigned lender makes the following certifications to inducethe Department of Veterans Affairs to issue a certificate of commitmentto guarantee the subject loan or a Loan Guaranty Certificate under Title38, U. S. Code, or to induce the Department of Housing and UrbanDevelopment - Federal Housing Commissioner to issue a firm commit-ment for mortgage insurance or a Mortgage Insurance Certificateunder the National Housing Act.A. The loan terms furnished in the Uniform Residential Loan Application

and this Addendum are true, accurate and complete.B. The information contained in the Uniform Residential Loan Application

and this Addendum was obtained directly from the borrower by anemployee of the undersigned lender or its duly authorized agentand is true to the best of the lender's knowledge and belief.

C. The credit report submitted on the subject borrower (andco-borrower, if any) was ordered by the undersigned lender or itsduly authorized agent directly from the credit bureau which preparedthe report and was received directly from said credit bureau.

D. The verification of employment and verification of deposits wererequested and received by the lender or its duly authorized agentwithout passing through the hands of any third persons and are trueto the best of the lender's knowledge and belief.

E. The Uniform Residential Loan Application and this Addendum weresigned by the borrower after all sections were completed.

F. This proposed loan to the named borrower meets the income and creditrequirements of the governing law in the judgment of the undersigned.

G. To the best of my knowledge and belief, I and my firm and itsprincipals: (1) are not presently debarred, suspended, proposed fordebarment, declared ineligible, or voluntarily excluded from coveredtransactions by any Federal department or agency; (2) have not, withina three-year period preceding this proposal, been convicted of or hada civil judgment rendered against them for (a) commission of fraud ora criminal offense in connection with obtaining, attempting to obtain,or performing a public (Federal, State or local) transaction or contractunder a public transaction; (b) violation of Federal or State antitruststatutes or commission of embezzlement, theft, forgery, bribery,falsification or destruction of records, making false statements, orreceiving stolen property; (3) are not presently indicted for or otherwisecriminally or civilly charged by a governmental entity (Federal, State orlocal) with commission of any of the offenses enumerated in paragraphG(2) of this certification; and (4) have not, within a three-year periodpreceding this application/proposal, had one or more public transactions(Federal, State or local) terminated for cause or default.

Items "H" through "J" are to be completed as applicable for VA loans only.H. The names and functions of any duly authorized agents who developed on behalf of the lender any of the information or supporting credit data submitted are as

follows:

Name & Address Function (e.g., obtained information on the Uniform Residential LoanApplication, ordered credit report, verifications of employment, deposits, etc.)

If no agent is shown above, the undersigned lender affirmatively certifies that all information and supporting credit data were obtained directly by the lender.

I. The undersigned lender understands and agrees that it is responsible for the omissions, errors, or acts of agents identified in item H as to the functionswith which they are identified

J. The proposed loan conforms otherwise with the applicable provisions of Title 38, U.S. Code, and of the regulations concerning guaranty or insurance of loansto veterans.

Signature of Officer of Lender Title of Officer of Lender Date (mm/dd/yyyy)

Part III - Notices to Borrowers. Public reporting burden for this collection of information is estimated to average 6 minutes per response, including the time forreviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Thisagency may not conduct or sponsor, and a person is not required to respond to, a collection information unless that collection displays a valid OMB control numbercan be located on the OMB Internet page at http://www.whitehouse.gov/omb/library/OMBINV.LIST.OF.AGENCIES.html#LIST_OF_AGENCIES.Privacy Act Information. The information requested on the Uniform Residential Loan Application and this Addendum is authorized by 38 U.S.C. 3710 (if for DVA)and 12 U.S.C. 1701 et seq. (if for HUD/FHA). The Debt Collection Act of 1982, Pub. Law 97-365, and HUD's Housing and Community Development Act of 1987, 42U.S.C. 3543, require persons applying for a federally insured or guaranteed loan to furnish his/her social security number (SSN). You must provide all the requestedinformation, including your SSN. HUD and/or VA may conduct a computer match to verify the information you provide. HUD and/or VA may disclose certaininformation to Federal, State, and local agencies when relevant to civil, criminal, or regulatory investigations and prosecutions. It will not otherwise be disclosed orreleased outside of HUD or VA, except as required and permitted by law. The information will be used to determine whether you qualify as a mortgagor. Anydisclosure of information outside VA or HUD/FHA will be made only as permitted by law. Failure to provide any of the requested information, including SSN, may

VA Form 26-1802aform HUD-92900-A (09/2010)page 1

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result in disapproval of your loan application. This is notice to you as required by the Right to Financial Privacy Act of 1978 that VA or HUD/FHA has a right of accessto financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving yourtransaction will be available to VA and HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another GovernmentAgency or Department without your consent except as required or permitted by law. Caution. Delinquencies, defaults, foreclosures and abuses of mortgage loans involvingprograms of the Federal Government can be costly and detrimental to your credit, now and in the future. The lender in this transaction, its agents and assigns as well as theFederal Government, its agencies, agents and assigns, are authorized to take any and all of the following actions in the event loan payments become delinquent on themortgage loan described in the attached application: (1) Report your name and account information to a credit bureau; (2) Assess additional interest and penalty chargesfor the period of time that payment is not made; (3) Assess charges to cover additional administrative costs incurred by the Government to service your account; (4) Offsetamounts owed to you under other Federal programs; (5) Refer your account to a private attorney, collection agency or mortgage servicing agency to collect the amount due,foreclose the mortgage, sell the property and seek judgment against you for any deficiency; (6) Refer your account to the Department of Justice for litigation in the courts;(7) If you are a current or retired Federal employee, take action to offset your salary, or civil service retirement benefits; (8) Refer your debt to the Internal Revenue Service foroffset against any amount owed to you as an income tax refund; and (9) Report any resulting written-off debt of yours to the Internal Revenue Service as your taxable income.All of these actions can and will be used to recover any debts owed when it is determined to be in the interest of the lender and/or the Federal Government to do so.

Part IV - Borrower Consent for Social Security Administration to Verify Social Security NumberI authorize the Social Security Administration to verify my Social Security number to the Lender identified in this document and HUD/FHA, through a computer matchconducted by HUD/FHA.I understand that my consent allows no additional information from my Social Security records to be provided to the Lender, and HUD/FHA and that verification of mySocial Security number does not constitute confirmation of my identity. I also understand that my Social Security number may not be used for any other purpose thanthe one stated above, including resale or redisclosure to other parties. The only other redisclosure permitted by this authorization is for review purposes to ensure thatHUD/FHA complies with SSA's consent requirements.

I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under the penalty of perjury that the informationcontained herein is true and correct. I know that if I make any representation that I know is false to obtain information from Social Security records, I could be punishedby a fine or imprisonment or both.This consent is valid for 180 days from the date signed, unless indicated otherwise by the individual(s) named in this loan application.

Read consent carefully. Review accuracy of social security number(s) and birth dates provided on this application.Signature(s) of Borrower(s) Date signed Signature(s) of Co-Borrower(s) Date signed

/ / / /Part V - Borrower Certification22. Complete the following for a HUD/FHA Mortgage

22 a. Do you own or have you sold other real estate within the past60 months on which there was a HUD / FHA mortgage? Yes No

Is it to be sold?

Yes No

22 b. Sales Price

$

22 c. Original Mortgage Amt

$

22 d. Address

22 e. If the dwelling to be covered by this mortgage is to be rented, is it a part of, adjacent or contiguous to any project subdivision or group of concentratedrental properties involving eight or more dwelling units in which you have any financial interest? Yes No If "Yes" give details.

22 f. Do you own more than four dwellings? Yes No If "Yes" submit form HUD-92561.

23. Complete for VA - Guaranteed Mortgage. Have you ever had a VA home loan? Yes No

24. Applicable for Both VA & HUD. As a home loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract.The fact that you dispose of your property after the loan has been madewill not relieve you of liability for making these payments. Payment of the loanin full is ordinarily the way liability on a mortgage note is ended. Some home buyers have the mistaken impression that if they sell their homes when theymove to another locality, or dispose of it for any other reasons, they are no longer liable for the mortgage payments and that liability for these payments is solelythat of the new owners. Even though the new owners may agree in writing to assume liability for your mortgage payments, this assumption agreement will notrelieve you from liability to the holder of the note which you signed when you obtained the loan to buy the property. Unless you are able to sell the property to abuyer who is acceptable to VA or to HUD/FHA and who will assume the payment of your obligation to the lender, you will not be relieved from liability to repay anyclaim which VA or HUD/FHA may be required to pay your lender on account of default in your loan payments.The amount of any such claim payment will bea debt owed by you to the Federal Government. This debt will be the object of established collection procedures.

25. I, the Undersigned Borrower(s) Certify that:

(1) I have read and understand the foregoing concerning my liability on theloan and Part III Notices to Borrowers.

(2) Occupancy: (for VA only -- mark the applicable box)(a) I now actually occupy the above-described property as my home orintend to move into and occupy said property as my home within areasonable period of time or intend to reoccupy it after the completion ofmajor alterations, repairs or improvements.

(b) My spouse is on active military duty and in his or her absence, I occupyor intend to occupy the property securing this loan as my home.

(c) I previously occupied the property securing this loan as my home. (forinterest rate reductions)

(d) While my spouse was on active military duty and unable to occupy theproperty securing this loan, I previously occupied the property that issecuring this loan as my home. (for interest rate reduction loans)

Note: If box 2b or 2d is checked, the veteran's spouse must also sign below.

(3) Mark the applicable box (not applicable for Home Improvement or Refi-nancing Loan) I have been informed that ($ ) is:

the reasonable value of the property as determined by VA or;

the statement of appraised value as determined by HUD/FHA.

Note: If the contract price or cost exceeds the VA "Reasonable Value"or HUD/FHA "Statement of Appraised Value" mark either item (a) or item(b), whichever is applicable.

(a) I was aware of this valuation when I signed my contract and I havepaid or will pay in cash from my own resources at or prior to loan closing a sum equal to the difference between the contract purchase price orcost and the VA or HUD/FHA established value.

I do not and will not have outstanding after loan closing any unpaidcontractual obligation on account of such cash payment;

(b) I was not aware of this valuation when I signed my contract but haveelected to complete the transaction at the contract purchase price or cost.I have paid or will pay in cash from my own resources at or prior to loanclosing a sum equal to the difference between contract purchase price orcost and the VA or HUD/FHA established value. I do not and will not haveoutstanding after loan closing any unpaid contractual obligation on accountof such cash payment.

(4) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, afterthe making of a bona fide offer, or refuse to negotiate for the sale or rental of,or otherwise make unavailable or deny the dwelling or property covered byhis/her loan to any person because of race, color, religion, sex, handicap,familial status or national origin. I recognize that any restrictive covenant onthis property relating to race, color, religion, sex, handicap, familial status ornational origin is illegal and void and civil action for preventive relief may bebrought by the Attorney General of the United States in any appropriate U.S.District Court against any person responsible for the violation of theapplicable law.

(5) All information in this application is given for the purpose of obtaining a loanto be insured under the National Housing Act or guaranteed by the Depart-ment of Veterans Affairs and the information in the Uniform Residential LoanApplication and this Addendum is true and complete to the best of myknowledge and belief. Verification may be obtained from any source namedherein.

(6) For HUD Only (for properties constructed prior to 1978) I have receivedinformation on lead paint poisoning. Yes Not Applicable

(7) I am aware that neither HUD/FHA nor VA warrants the condition orvalue of the property.

Signature(s) of Borrower(s) -- unless this application is fully completed. Read the certifications carefully & review accuracy of this application.Do not sign

Signature(s) of Borrower(s) Date signed Signature(s) of Co-Borrower(s) Date signed

/ / / /X X

VA Form 26-1802aform HUD-92900-A (09/2010)

( Borrowers Must Sign Both Parts IV & V ) Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed toinfluence the issuance of any guaranty or insurance by the VA Secretary or the HUD/FHA Commissioner.

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Direct Endorsement Approval for a HUD/FHA-Insured Mortgage U.S. Department of Housingand Urban Development

Part I - Identifying Information (mark the type of application) 2. Agency Case No. (include any suffix) 3. Lender's Case No. 4. Section of the Act(for HUD cases)

1. HUD/FHA Application for Insuranceunder the National Housing Act

5. Borrower's Name & Present Address (include zip code) 7. Loan Amount (include the UFMIP)

$

8. Interest Rate

%

9. Proposed Maturity

yrs. mos.

10. Discount Amount(only if borrower ispermitted to pay)

11. Amount of UpFront Premium

$

12a. Amount ofMonthly Premium

$ /mo.

12b. Term ofMonthly Premium

months

6. Property Address (including name of subdivision, lot & block no. & zip code)

14. Sponsor/Agent I.D. Code13. Lender's I.D. Code

15. Lender's Name & Address (include zip code) 16. Name & Address of Sponsor/Agent

17. Lender's Telephone NumberType or Print all entries clearly

SponsoredOriginations

Name of Loan Origination Company Tax ID of Loan Origination Company NMLS ID of Loan Origination Company

Approved: Approved subject to the additional conditions stated below, if any.

Date Mortgage Approved Date Approval Expires

Modified &Approvedas follows:

Loan Amount (include UFMIP)

$

Interest Rate

%

Proposed Maturity

yrs. mos.

Monthly Payment

$

Amount of UpFront Premium

$

Amount of MonthlyPremium

$

Term of MonthlyPremium

months

Additional Conditions:

If this is proposed construction, the builder has certified compliance with HUD requirements on form HUD-92541.

If this is new construction, the lender certifies that the property is 100% complete (both on site and off site improvements) and the property meetsHUD's minimum property standards and local building codes.

Form HUD-92544, Builder's Warranty is required.

The property has a 10-year warranty.

Owner-Occupancy Not required (item (b) of the Borrower's Certificate does not apply).

The mortgage is a high loan-to-value ratio for non-occupant mortgagor in military.

Other: (specify)

This mortgage was rated as an "accept" or "approve" by FHA's Total Mortgage Scorecard. As such, the undersigned representative of the mortgagee

certifies to the integrity of the data supplied by the lender used to determine the quality of the loan, that a Direct Endorsement Underwriter reviewed

the appraisal (if applicable) and further certifies that this mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program.

I hereby make all certifications required for this mortgage as set forth in HUD Handbook 4000.4

Mortgagee Representative:

This mortgage was rated as a “refer” by FHA's Total Mortgage Scorecard, and/or was manually underwritten by a Direct Endorsement

underwriter. As such, the undersigned Direct Endorsement underwriter certifies that I have personally reviewed the appraisal report (if

applicable), credit application, and all associated documents and have used due diligence in underwriting this mortgage. I find that this

mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program and I hereby make all certifications required for

this mortgage as set forth in HUD Handbook 4000.4

Direct Endorsement Underwriter DE's CHUMS ID Number

The Mortgagee, its owners, officers, employees or directors do do not have a financial interest in or arelationship, by affiliation or ownership, with the builder or seller involved in this transaction.

formVA Form

HUD-92900-A (09/2010)26-1802a

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Borrower's Certificate The undersigned certifies that:

(a) I will not have outstanding any other unpaid obligations contracted in connection with the mortgage transaction or the purchase of the

said property except obligations which are secured by property or collateral owned by me independently of the said mortgagedproperty, or obligations approved by the Commissioner;

(b) One of the undersigned intends to occupy the subject property, (note: this item does not apply if owner-occupancy is not required

by the commitment);(c) All charges and fees collected from me as shown in the settlement statement have been paid by my own funds, and no other

charges have been or will be paid by me in respect to this transaction;(d) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after the making of a bona fide offer, or refuse to negotiate

for the sale or rental of or otherwise make unavailable or deny the dwelling or property covered by this loan to any person because ofrace, color, religion, sex, handicap, familial status or national origin. I recognize that any restrictive covenant on this property relatingto race, color, religion, sex, handicap, familial status or national origin is illegal and void and any such covenant is hereby specificallydisclaimed. I understand that civil action for preventative relief may be brought by the Attorney General of the United States in anyappropriate U.S. District Court against any person responsible for a violation of this certificate.

Borrower'(s) Signature(s) & Date

Lender's Certificate The undersigned certifies that to the best of its knowledge:

(a) The statements made in its application for insurance and in this Certificate are true and correct;

(b) The conditions listed above or appearing in any outstanding commitment issued under the above case number have been fulfilled;(c) Complete disbursement of the loan has been made to the borrower, or to his/her creditors for his/her account and with his/her consent;(d) The security instrument has been recorded and is a good and valid first lien on the property described;

(e) No charge has been made to or paid by the borrower except as permitted under HUD regulations;(f) The copies of the credit and security instruments which are submitted herewith are true and exact copies as executed and filed for

record;

(g) It has not paid any kickbacks, fee or consideration of any type, directly or indirectly, to any party in connection with this transactionexcept as permitted under HUD regulations and administrative instructions.

I, the undersigned, as authorized representative of , mortgageeat this time of closing of this mortgage loan, certify that I have personally reviewed the mortgage loan documents, closing statements,

application for insurance endorsement, and all accompanying documents. I hereby make all certifications required for this mortgage asset forth in HUD Handbook 4000.4.

Lender's Name Note: If the approval is executed by an agent in

the name of lender, the agent must enter thelender's code number and type.

Title of Lender's Officer

Signature of Lender's Officer Date

Code Number (5 digits) Type

Calyx Form - fhavaa4.frm (04/11) page 4 form HUD-92900-A (09/2010)

VA Form 26-1802a

FHA AMENDATORY CLAUSE, VA ESCAPE CLAUSE 800-649-1362www.docmagic.comAC3.MSC 12/12/08

FHA AMENDATORY CLAUSE/VA ESCAPE CLAUSELoan Number:

Borrower:

Property Address:

I, the undersigned, hereby certify that I did not receive a copy of Form HUD-92800.5B, Conditional Commitment/DEStatement of Appraised Value or VA Certificate of Reasonable Value prior to my signing the sales contract to purchase theproperty. The sales contract is hereby amended to contain the following provisions.

"It is expressly agreed that notwithstanding any other provisions of this contract, the purchaser shall not be obligated tocomplete the purchase of the property described herein or to incur any penalty by forfeiture of earnest money deposits orotherwise unless the purchaser has been given in accordance with HUD/FHA or VA requirements a written statement by theFederal Housing Commissioner, Department of Veterans Affairs, or a Direct Endorsement lender setting forth the appraisedvalue of the property of not less than $ . The purchaser shall have the privilege and option ofproceeding with consummation of the contract without regard to the amount of the appraised valuation. The appraisedvaluation is arrived at to determine the maximum mortgage the Department of Housing and Urban Development will insure.HUD does not warrant the value nor the condition of the property. The purchaser should satisfy himself/herself that the priceand condition of the property are acceptable."

Borrower Date

Borrower Date

Borrower Date

Seller Date

Seller Date

Seller Date

Listing Agent Date

Borrower Date

Borrower Date

Borrower Date

Seller Date

Seller Date

Seller Date

Selling Agent Date

WARNING: Section 1010 of title 18, U.S.C. provides: "Whoever for purpose of... influencing such Administration... makes,passes, utters, or publishes any statement, knowing the same to be false... shall be fined not more than $5,000.00 orimprisoned not more than two years or both."

COUNSELING CHECKLIST FOR MILITARY HOMEBUYERS

1. Failure on the part of a borrower on active duty to disclose that he/she expects to leave the area within 12 monthsdue to transferordersor completionof his/herenlistmentperiod may constitute"bad faith." If your loan isforeclosedundercircumstanceswhich include suchbadfaith, you may be requiredto repayVA for any losssufferedbytheGovernmentundertheguaranty. (In ANY casein which VA suffersa lossundertheguaranty,the lossmustberepaidbefore your loan benefits can be restored to use in obtaining another VA loan.) 2. Although real estatevalueshavehistorically risenin mostareas,thereis no assurancethat the propertyfor which youare seeking financing will increase in value or even retain its present value.

3. It is possiblethat you mayencounterdifficulty in selling your house,recoveringyour investmentor makinganyprofit,particularly if there is an active new home market in the area.

4. Receivingmilitary ordersfor a permanentchangeof duty stationor anunexpectedearlydischargedueto a reductioninforce will not relieve you of your obligation to make your mortgage payments on the first of each month.

5. "Letting the housego back" is NOT an acceptableoption. A decisionto do so may be considered"bad faith". Aforeclosurewill result in a badcredit record,a possibledebtyou will owe the governmentanddifficulty in getting morecredit in the future.

6. If unexpectedcircumstancesleadto difficulty in makingyour payments,contactyour mortgagecompanypromptly. Itwill be easier to resolve any problems if you act quickly and be open and honest with the mortgage company.

7. YOUR VA LOAN MAY NOT BE ASSUMED WITHOUT THE PRIOR APPROVAL OF VA OR YOURLENDER .

8. DO NOT BE MISLED! VA doesnot guaranteethe CONDITION of the housewhich you arebuying, whetherit isnew or previouslyoccupied. VA guaranteesonly the LOAN. You may talk to manypeoplewhenyou arein the processof buying a house. Particularlywith a previouslyoccupiedhouse,you maypick up the impressionalongtheway thatyouneednot be overly concernedaboutany neededrepairsor hiddendefectssinceVA will be sureto find themandrequirethemto berepaired. This is NOT TRUE! In everycase,ultimately, it is your responsibilityto bean informedbuyerandto assureyourselfthatwhatyou arebuying is satisfactoryto you in all respects.Remember,VA guaranteesonly the loan-NOT thecondition.

9. If you haveanydoubtsabouttheconditionof thehousewhich you arebuying, it is in your bestinterestto seekexpertadvicebeforeyou legally commit yourself in a purchaseagreement.Particularlywith a previouslyoccupiedhouse,mostsellersand their real estateagentsarewilling to permit you, at your expense,to arrangefor an inspectionby a qualifiedresidentialinspection service. Also, mostsellersandagentsarewilling to negotiatewith you concerningwhat repairsareto be includedin the purchaseagreement.Stepsof this kind canpreventmany later problems,disagreements,andmajordisappointments.

10. Proper maintenance is the best way to protect your home and improve the chance that its value will increase.

11. If you arebuying a previouslyownedhouse,you shouldlook into makingenergyefficient improvements.You canaddup to $6,000to your VA loan to haveenergyefficient improvementsinstalled. Consultyour lenderor the local VAoffice.

I HEREBY CERTIFY THAT thelenderhascounseledmeandI fully understandthecounselingitemssetforth above.

VA FormJUN 1995 26-0592 EXISTING STOCK OF VA FORM 26-0592, JUL 1990, WILL

BE USED.

(Lender’s Signature) (Date)

I HEREBY CERTIFY THAT theborrowerhasbeencounseledregardingthecounselingitemssetforth above.

(Borrower’s Signature) (Date)

TO: NAME AND ADDRESS OF LENDER (Complete mailing address including ZIP Code)

FOR VA USE ONLY

Veteran is exempt from funding fee due to entitlement to VA compensation benefits upon discharge from service.

PRIVACY ACT NOTICE: The VA will not disclose information collected on this form to any source other than what has been authorized under the Privacy Act of 1974 or Title 5, Code of Federal Regulations 1.576 for routine uses (i.e., information concerning a veteran's indebtedness to the United States by virtue of a person's participation in a benefits program administered by VA may be disclosed to any third party, except consumer reporting agencies) as identified in the VA system of records, 55VA26, Loan Guaranty Home, Condominium and Manufactured Home Loan Applicant Records, Specially Adapted Housing Applicant Records and Vendee Loan Applicant Records - VA, and published in the Federal Register. Your obligation to respond is required to obtain or retain benefits. Giving us your SSN account information is voluntary. Refusal to provide your SSN by itself will not result in the denial of benefits. The VA will not deny an individual benefits for refusing to provide his or her SSN unless the disclosure of the SSN is required by a Federal Statute of law in effect prior to January 1, 1975, and still in effect.

VERIFICATION OF VA BENEFITS

OMB Control No. 2900-0406 Respondent Burden: 5 Minutes

INSTRUCTIONS TO LENDER

2. CURRENT ADDRESS OF VETERAN

3. DATE OF BIRTH

4. VA CLAIM FOLDER NUMBER (C-File No., if known)

5. SOCIAL SECURITY NUMBER 6. SERVICE NUMBER (If different from Social Security Number)

8. I HEREBY CERTIFY THAT I HAVE HAVE NOT filed a claim for VA disability benefits prior to discharge from active duty service (I am presently still on active duty.)

VA FORM DEC 2012

SUPERSEDES VA FORM 26-8937, SEP 2006, WHICH WILL NOT BE USED.26-8937

AMOUNT OF DEBT(S)

9. SIGNATURE OF VETERAN

Insufficient information. VA cannot identify the veteran with the information given. Please furnish more complete information, or a copy of a DD Form 214 or discharge papers. If on active duty, furnish a statement of service written on official government letterhead, signed by the adjutant, personnel officer, or commanding officer. The statement should include name, birth date, service number, entry date and time lost.

Veteran has been rated incompetent by VA. LOAN APPLICATION WILL REQUIRE PRIOR APPROVAL PROCESSING BY VA.

1. NAME OF VETERAN (First, middle, last)

7. I HEREBY CERTIFY THAT I DO DO NOT have a VA benefit-related indebtedness to my knowledge. I authorize VA to furnish the information listed below.

10. DATE SIGNED

The veteran has the following VA benefit-related indebtedness

VA BENEFIT-RELATED INDEBTEDNESS (If any)

The above named veteran does not have a VA benefit-related indebtedness

TERM OF REPAYMENT PLAN (If any)

TYPE OF DEBT(S)

Veteran is not exempt from funding fee due to receipt of nonservice-connected pension of $ monthly. LOAN APPLICATION WILL REQUIRE PRIOR APPROVAL PROCESSING BY VA.

Veteran is exempt from funding fee due to receipt of service-connected disability compensation of $ monthly. (Unless checked, the funding fee receipt must be remitted to VA with VA Form 26-1820, Report and Certification of Loan Disbursement)

DATE SIGNED SIGNATURE OF AUTHORIZED AGENT

RESPONDENT BURDEN: We need this information to determine, establish, or verify your eligibility for VA Loan Guaranty Benefits and to determine if you are exempt from paying the VA Funding Fee. Title 38, United States Code, allows us to ask for this information. We estimate that you will need an average of 5 minutes to review the instructions, find the information, and complete this form. VA cannot conduct or sponsor a collection of information unless a valid OMB control number is displayed. You are not required to respond to a collection of information if this number is not displayed. Valid OMB control numbers can be located on the OMB Internet Page at www.reginfo.gov/public/do/PRAMainVA. If desired, you can call 1-800-827-1000 to get information on where to send comments or suggestions about this form.

Complete this form ONLY if the veteran/applicant:

is receiving VA disability payments; orhas received VA disability payments; orwould receive VA disability payments but for receipt of retired pay; or is surviving spouse of a veteran and in receipt of DIC paymentshas filed a claim for VA disability benefits prior to discharge from active duty service

Complete Items 1 through 10. Send the completed form to the appropriate VA Regional Loan Center where it will be processed and returned to the Lender. The completed form must be retained as part of the lender's loan origination package.

VA FORMOCT 2004 26-0551 EXISTING STOCKS OF VA FORM 26-0551, APR 1989,

WILL BE USED.

DEBT QUESTIONNAIRE

3. SIGNATURE OF VETERAN 4. DATE

6. DATE5. SIGNATURE OF COBORROWER

2. ARE YOU PRESENTLY DELINQUENT OR IN DEFAULT ON ANY DEBT TO THE FEDERAL GOVERNMENT (e.g., Public Health Service, U.S. Guaranteed Student Loan, GI Bill Education Benefits, etc.)?

1. DURING THE PAST FIVE YEARS, HAVE YOU DIRECTLY OR INDIRECTLY BEEN OBLIGATED ON ANY LOAN WHICH RESULTED IN FORECLOSURE, TRANSFER OF TITLE IN LIEU OF FORECLOSURE, OR JUDGMENT? (This would include home mortgage loans, SBA loans, home improvement loans, educational loans, or manufactured home loans, any mortgage, financial obligation, bond, or loan guarantee)

YES NO (If "Yes," provide details, including date, name and address of lender, FHA or VA case number, if any, and reasons for the action. Attach a separate sheet, if needed)

YES NO (If "Yes," provide details, including date, name and address of lender, FHA or VA case number, if any, and reasons for the action. Attach a separate sheet, if needed)

I CERTIFY THAT the statements herein are true and correct to the best of my knowledge and belief.

36.

32.

33.

34.

35.

37.

38.

39.

MAINTENANCE & UTILITIES

SECTION D - DEBTS AND OBLIGATIONS (Itemize and indicate by ( ) which debts considered in Section E, Line 40) (If additional space is needed please use reverse or attach a separate sheet)

( )

MORTGAGE PAYMENT (Principal and Interest) @

RATIO (Sum of Items 15, 16, 17, 18, 20 and 40

LOAN ANALYSIS LOAN NUMBER

PRIVACY ACT INFORMATION: The VA will not disclose information collected on this form to any source other than what has been authorized under the Privacy Act of 1974 or Title 5, Code of Federal Regulations 1.526 for routine uses as (i.e., the record of an individual who is covered by this system may be disclosed to a member of Congress or staff person acting for the member when the request is made on behalf of the individual) identified in the VA system of records, 55VA26, Loan Guaranty Home, Condominium and Manufactured Home Loan Applicant Records, Specially Adapted Housing Applicant Records, and Vendee Loan Applicant Records - VA, published in the Federal Register. Your obligation to respond is required in order to determine the veteran's qualifications for the loan.

SECTION A - LOAN DATA

OMB Control No. 2900-0523 Respondent Burden: 30 minutes

VA FORM NOV 2012 26-6393 EXISTING STOCKS OF VA FORM 26-6393, SEP 2006,

WILL BE USED.

1. NAME OF BORROWER 2. AMOUNT OF LOAN

NOTE: ROUND ALL DOLLAR AMOUNTS BELOW TO NEAREST WHOLE DOLLAR

3. CASH DOWN PAYMENT ON PURCHASE PRICE

SECTION B - BORROWER'S PERSONAL AND FINANCIAL STATUS 4. APPLICANT'S AGE

9. UTILITIES INCLUDED

5. OCCUPATION OF APPLICANT

10. SPOUSE'S AGE 11. OCCUPATION OF SPOUSE 12. NUMBER OF YEARS AT PRESENT EMPLOYMENT

6. NUMBER OF YEARS AT PRESENT EMPLOYMENT

7. LIQUID ASSETS (Cash, savings, bonds, etc.)

$

8. CURRENT MONTHLY HOUSING EXPENSE

13. AGE OF DEPENDENTS $

14.

$

SECTION C- ESTIMATED MONTHLY SHELTER EXPENSES (This Property)

NO

49. DATE 50. SIGNATURE OF EXAMINER/UNDERWRITER

51. FINAL ACTION 52. DATE 53. SIGNATURE AND TITLE OF APPROVING OFFICIAL

The undersigned underwriter certifies that he/she personally reviewed and approved this loan. (Loan was closed on the automatic basis.)

SECTION F - DISPOSITION OF APPLICATION AND UNDERWRITER CERTIFICATION

Recommend that the application be disapproved for the reasons stated under "Remarks" above.

Recommend that the application be approved since it meets all requirements of Chapter 37, Title 38, U.S. Code and applicable VA Regulations and directives.

45. PAST CREDIT RECORD

48B. EXPIRATION DATE 48A. VALUE

47. REMARKS (Use reverse or attach a separate sheet, if necessary)

48C. ECONOMIC LIFEYRS.

CRV DATA (VA USE)

46. DOES LOAN MEET VA CREDIT STANDARDS? (Give reasons for decision under "Remarks," if necessary, e.g., borderline case)

SATISFACTORY UNSATISFACTORY YES

ITEMSAMOUNT

TERM OF LOAN:

23.15.

16. REALTY TAXES

17. HAZARD INSURANCE

18.

19.

20.

21.

22.

SPECIAL ASSESSMENTS

OTHER (HOA, Condo fees, etc.)

$

24.

25.

26.

27.

28.

29.

30.

ITEMS MO. PAYMENT UNPAID BAL.

JOB RELATED EXPENSE (e.g., child care)

$

$

TOTAL

$

$

BALANCE AVAILABLE FOR FAMILY SUPPORT

SECTION E - MONTHLY INCOME AND DEDUCTIONS

44.

ITEMS

31.

40.

41.

42.

SPOUSE BORROWER

43.

TOTAL

APPROVE APPLICATION

REJECT APPLICATION

$

$ $

GROSS SALARY OR EARNINGS FROM EMPLOYMENT

DEDUCTIONS

PENSION, COMPENSATION OR OTHER NET INCOME (Specify)

TOTAL (Sum of lines 37 and 38)

NET TAKE-HOME PAY

LESS THOSE OBLIGATIONS LISTED IN SECTION D WHICH SHOULD BE DEDUCTED FROM INCOME

TOTAL NET EFFECTIVE INCOME

LESS ESTIMATED MONTHLY SHELTER EXPENSE (Line 21)

$

FEDERAL INCOME TAX

STATE INCOME TAX

RETIREMENT OR SOCIAL SECURITY

OTHER (Specify)

TOTAL DEDUCTIONS $

$

$

$

$

$

$

GUIDELINE

$

%

$

$

NOYES

TOTAL

RESPONDENT BURDEN: This information is needed to help determine a veteran's qualifications for a VA guaranteed loan. Title 38, USC, section 3710 authorizes collection of this information. We estimate that you will need an average of 30 minutes to review the instructions, find the information, and complete this form. VA cannot conduct or sponsor a collection of information unless a valid OMB control number is displayed. You are not required to respond to a collection of information if this number is not displayed. Valid OMB control numbers can be located on the OMB Internet Page at: www.reginfo.gov/public/do/PRASearch. If desired, you can call 1-800-827-1000 to get information on where to send comments or suggestions about this form.

YRS.

%

sum of Items 31 and 38). .___

FEDERAL COLLECTION POLICY NOTICE

VA FORM JUL 1996 26-0503 SUPERSEDES VA FORM 26-0503, MAR 1987,

WHICH WILL NOT BE USED.

The Federal Government is authorized by law to take any or all of the following actions in the event your VA-guaranteed or VA-financed loan payments become delinquent or you default on your VA-guaranteed or VA-financed loan:

Your name and account information may be reported to a credit bureau.

Additional interest and penalty charges may be assessed for the period of time that payment is not made.

Charges to cover additional administrative costs incurred by the Government to service your account may be assessed.

Amounts owed to you under other Federal programs may be offset.

Your account may be referred to a private collection agency to collect the amount due.

Your account may be referred to the Department of Justice for litigation in the courts.

If you are a current or retired Federal employee, your salary or civil service retirement benefits may be offset.

Your debt may be referred to the Internal Revenue Service for offset against any amount owed to you as an income tax refund.

Any written - off debt may be reported to the Internal Revenue Service as taxable income.

All of these actions can and will be used to recover any debts owed the Department of Veterans Affairs when it is determined to be in the best interest of the Government to do so.

CERTIFICATION I have read and I understand the actions the Federal Government can take in the event that I fail to meet my scheduled payments in accordance with the terms and conditions of my agreement to purchase property with a VA-guaranteed or VA-financed loan.

Signature: Date:

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 yearly rate

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 deposit

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.

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.

Page 1 of 2

Calyx Form - NEWTIL1.frm (04/11)

Application No: Date Prepared:

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 disabilityProperty insurance Flood insurance

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

ASSUMPTION:

Someone buying your propertymaymay, subject to conditionsmay not assume the remainder of your loan on the original terms.

See your contract documents for any additional information about nonpayment, default, any requiredrepayment in full before the scheduled date and prepayment refunds and penalties.

* means an estimateall 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.

Applicant ApplicantDate Date

Applicant Applicant

Lender

Date Date

Date

Page 2 of 2

Calyx Form - NEWTIL2.frm (01/11)

Gaby

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Gaby

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Updated: 9/28/09

Things to Avoid during the Escrow Process ...

This is list is created to be a useful guide for the First Time Homebuyer or for a borrower that have not obtained a loan in the last few years. The Mortgage Industry has undergone radical reform and changes. Many of the previous Underwriting and Quality Control requirements have significantly changed or have been discontinued.

The following are the most common mistakes made while obtaining a home loan:

May affect your Credit Score

Applying for New Credit Cards and/or Department Store Credit Cards ( even if no charges are made) Obtaining New Auto Loans Cosigning on an Auto, Credit Card, or any type of financing Excessive Credit Inquiries Exceeding Credit Limits Unpaid Collections and Liens Late Payments on credit accounts

Bank Account Verification

Large Non-Payroll Deposits into your Bank/Asset Accounts Do not decrease Bank Balances ( New Lender will verify balances against required funds ) Large Funds Transfers

Employment and Income Verification

Loss of Employment Reduction of Regular Hours Reduction of Overtime Hours Starting your Own Business Discontinuance of W2 Payroll Unfiled, Late, Change of Mailing Address, or Amended Tax Returns Losses in Real Estate, Business Expense, or losses claimed on income taxes

Please consult your Loan Representative if you have questions or doubts on the above items.

I understand that the above factors can affect my Loan Application. This list is to inform you of the items that can cause complications, delays, or the denial of the loan application. I agree to avoid negatively affecting my ability to obtain residential financing. My signature below represents that I have understood the information contained herein.

Updated: 9/28/09

Cosas que debe evitar durante el proceso de compra de una casa ... Esta guía ha sido creada para el Comprador o el solicitante del préstamo que no haya aplicado en los últimos años. Con motivo de la crisis hipotecaria la industria de préstamos ha sido objeto de significantes reformas. Muchos de los métodos anteriores y Controles de Calidad han cambiado o se han descontinuado, es por ello que le estamos proporcionando un listado lo que debe evitar hacer durante el proceso de compra de su nueva casa. Los siguientes son los errores más comunes que se cometen durante el proceso de obtener un préstamo:

Calificacion de Crédito

Aplicacion para nuevas Tarjetas de Crédito o Tarjetas de Tiendas (aunque no se hagan cobros) Obtener un Nuevo Préstamo de Carro Abal / Fiador sobre un Carro, Tarjeta de Crédito, o cualquier tipo de Financiamento Exceder los Limites (en qualquier clase de credito) Revisar / Correr su Credito Cuentas de Coleccion y Orden de Embargos (sin pagar) Pagos atrasados

Verificadacion de su Cuenta Bancaria

Depósitos Grandes en su Cuenta de Banco / Cuentas de Valor Disminución de Saldos ( Nuevo Banco verificará los saldos en contra de los fondos necesarios) Grandes Transferencias de Fondos

Verificación de Empleo e Ingresos

Pérdida de Empleo Redución de las horas Regulares Redución de horas "Extras/Overtime" Comenzar su propio negocio Descontinuacion de la Forma W2 Devoluciones de Impuestos ( falta de 'declaración', declaración tarde, cambio dirección de coreo, o que se hayan modificado ) Perdidas en Negocio, Propiedades, o perdidas declaradas en sus Devoluciones de Impuestos

Por favor consulte a su Representante de Préstamo si usted tiene preguntas o dudas sobre esta información.

Entiendo que estos factores pueden afectar mi Aplicación de Préstamo. Esta lista es para informarle las cosas que pueden causar complicaciones, retrasos, o Negar su aplicación de Préstamo. Acepto evitar las cosas que pueden negativamente afectar my habilidad de obtener un préstamo de casa. Mi firma representa que he entendido esta informacion.

Gaby

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CREDIT CARD AUTHORIZATION FORM

Card Type (circle one) : M/C VISA AMEX DISCOVER Card Number: _________________________ Security Code ________ Expiration Date: _______/_______/________ xx/xx/xxxx

Card Holders Name: ___________________________________________

(exactly as it appears on the credit card)

Billing Address: _________________________________________________ City__________________________________________ State __________________ Zip __________________ Card Holder Phone Number: ( ) ________-______________ Charge Amount: $ _____________________

Purpose: Appraisal____ Credit Report____ Rescore Fees____ Verification of Employment ____ Credit Supplement____

Authorization Code: _____________________

Card Holder Signature: _______________________________

Card Holder Name (PRINT): _______________________________

Date Of Signature: ________________

The fee charge will not show as Priority Mortgage. It will generally be charged by an independent 3rd party vendor firm.

Gaby

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Uniform Residential Loan Application · · 2013-01-26Uniform Residential Loan Application ......

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