WELCOME FROM THE KRISTOFF TEAM

Transcription

1 Senior WELCOME FROM THE KRISTOFF TEAM Thank you for choosing the Kristoff Team at Charter One Mortgage for your financing needs. We are looking forward to working with you to achieve your goals. Below you will find important information regarding the loan process and documentation that will be collected along the way. The loan process is divided into four main stages: 1. Loan Application & Processing: During this stage you will complete the loan application and supply the required supporting documentation (see attached checklist). You will be contacted by Lori MacDonell who will be assisting us in collecting the supporting documentation. It is important that you are as thorough and prompt as possible so that the underwriting process can proceed smoothly. We will provide a list of required documents and we will work with you to collect them. In many cases we can get documents directly from your financial advisors, CPAs, insurance agents, attorneys, etc. Please provide us with the contact information for these individuals and inform them we will be contacting them on your behalf. Once we receive the necessary documentation we will be ready to order the appraisal. 2. Ordering the Appraisal: The appraisal will be the official determination of value for the purpose of the loan transaction. The value may impact your loan program and interest rate. Charter One Mortgage uses a small set of local appraisers with extensive experience in your market. To ensure we retain quality appraisers we will collect an upfront fee which will be applied toward the cost of the appraisal. Please remit this fee in the form of a check made payable to Charter One Mortgage when you return your signed loan disclosures. You may also request a secure link to pay via debit/credit card. You will receive a credit for the upfront fee at loan closing. 3. Loan Underwriting: During this stage your loan will be reviewed by an underwriter. The underwriter is responsible for verifying the supplied documentation and loan details meet the applicable guidelines and for issuing a loan approval. She may ask for additional documentation and we will communicate that to you promptly. Your loan processor will contact you once we receive an initial approval from the underwriter. She will communicate any requests for additional documentation as well as action items that need to take place for an on-time closing. Property Insurance: If you have been shopping for homeowner s insurance, wind & hail insurance, or flood insurance, you ll need to finalize your decision shortly after we have the initial loan approval. If you are purchasing a property, your loan processor will confirm your selection and will ask you to provide payment to the insurance company so your coverage may go into effect immediately upon your purchase date. If you are refinancing a mortgage you will need to renew your policy if it is scheduled to expire within 60 days after the closing date. 4. Loan Closing: Upon final approval your loan is ready for closing. Closing will take place at the office of the attorney or title company you select. At closing you will sign a final copy of all loan 1

2 Senior documents along with the HUD Settlement Statement. The Settlement Statement is the official receipt for the transaction and it will outline the total expenses and credits associated with the transaction. If this is a purchase transaction, the Settlement Statement will show the amount paid for the property as well as fees paid to real estate brokers or other third parties. You will see a credit on the Settlement Statement for the upfront fee collected by Charter One Mortgage. If you plan to have someone else sign the closing documents as your Power of Attorney please notify us as quickly as possible. We will work with you and your attorney to insure the individual you name is eligible and your Power of Attorney document is prepared in accordance with all applicable guidelines. Throughout the process you may be contacted by other individuals at Charter One Mortgage. These individuals can help you with questions about your loan if we are unavailable. You may also contact our assistant, Lori MacDonell, via telephone by dialing (843) We re looking forward to working with you Sincerely, 2

3 Senior Throughout the loan application and approval process you may be contacted by some of the following companies. These companies provide services directly to Charter One Mortgage to support your loan file. Don t be alarmed if you are contacted directly as that is a normal part of the processing of your loan. Appraiser: The appraiser will be selected from a list of approved appraisers in accordance with all applicable loan program guidelines. If you are refinancing a property you will likely hear from the appraiser directly, otherwise, the appraiser will contact a real estate agent to arrange entry to the property. You are always welcome to contact us to verify each company and individual that contacts you regarding your loan file. 3

4 Senior REQUIRED DOCUMENTATION FOR YOUR MORTGAGE LOAN TRANSACTION Copies of your two (2) most recent year s Federal Income Tax Returns, with all schedules attached, including W-2 s, 1099 s, and K-1 s. Copies of your most recent pay stubs covering 30 days to verify income and employment. Pay Frequency Weekly Bi-Weekly Semi-Monthly Monthly Number of Pay Stubs Required 4 Most Recent Pay Stubs 3 Most Recent Pay Stubs 2 Most Recent Pay Stubs 1 Most Recent Pay Stub If you are retired and receive income from Social Security and/or pensions, please provide a copy of your most recent Social Security Awards Letter and a copy of your retirement awards letter or some other documentation to include the name and address of your provider. Copies of all pages of your two (2) most recent statements or your most recent quarterly statement for all bank accounts, investment accounts and retirement accounts. We must have the full account statement with all pages. If you are selling any real estate (including the subject property), please provide the listing agreement, sales contract, or HUD-1 Settlement Statement, whichever applies. If you own any real estate properties, please provide the Declaration Page of the hazard and flood insurance policies, a copy of your most recent property tax bill, and amounts due to any homeowner s associations. Copies of your most recent mortgage statements for all real estate loans and/or equity lines of credit. A copy of the sales agreement and earnest money check for the property you are purchasing. Copies of your driver s license (or official identification) and social security card. A copy of a Divorce Decree or Separation Agreement, all pages (if applicable). A copy of a Trust Agreement, all pages (if applicable). If you have been renting, provide the name, address and phone number of any landlords for the past 24 months. If you are self-employed or own 25% or more of any company, please provide copies of your corporate tax returns, S Corporation returns and/or Form 1065 (K-1) for partnerships for the 4

5 Senior past two (2) years. A year-to-date profit and loss and balance sheet signed by you or your accountant are also required. (FOR VA LOANS) Copy of your VA Certificate of Eligibility and/or a copy of your VA form DD214 You may send the information in one group or in multiple pieces as you collect it, whichever is most convenient. Please return your documentation in one of the following ways: Address Scan and to : lori.macdonell@charteronebank.com e-fax Number (844) Overnight Address (UPS, FedEx, DHL, USPS) Physical Drop Off 7 Office Way, Suite 206 Hilton Head Island, SC Phone: (843) Office Way, Suite 206 Hilton Head Island, SC Phone: (843)

6 Senior Please list the individuals (financial advisors, account reps, CPAs, attorneys, insurance agents, etc.) we should contact on your behalf: Contact Name: Contact Phone: Company: Contact Fax: Contact Cell: Contact Documents to Request: Contact Name: Contact Phone: Company: Contact Fax: Contact Cell: Contact Documents to Request: Contact Name: Contact Phone: Company: Contact Fax: Contact Cell: Contact Documents to Request: Contact Name: Contact Phone: Company: Contact Fax: Contact Cell: Contact Documents to Request: 6

7 Uniform Residential Loan Application """"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""" #$%& '(()%*'+%,- %&./&%0-/. +, 1/ *,2()/+/. 13 +$/ '(()%*'-+4&5 6%+$ +$/ 7/-./89& '&&%&+'-*/: ;(()%*'-+& &$,<). *,2()/+/ +$%&=,82 '& '& '(()%*'1)/: A,B?,88,6/8 %-=,82'+%,-2<&+')&,1/(8,D%./.4'-.+$/'((8,(8%'+/1,E*$/*F/.56$/-+$/%-*,2/,8'&&/+&,='(/8&,-,+$/8+$'-+$/?,88,6/84%-*)<.%-0+$/?,88,6/89&&(,<&/56%))1/<&/.'&'1'&%&=,8),'- G<')%=%*'+%,-,8+$/%-*,2/,8'&&/+&,=+$/?,88,6/89&&(,<&/,8,+$/8(/8&,-6$,$'&*,22<-%+3(8,(/8+38%0$+&(<8&<'-++,&+'+/)'66%))-,+1/<&/.'&'1'&%&=,8),'-G<')%=%*'+%,-C1<+$%&,8$/8 )%'1%)%+%/&2<&+1/*,-&%./8/.1/*'<&/+$/&(,<&/,8,+$/8(/8&,-$'&*,22<-%+3(8,(/8+38%0$+&(<8&<'-++,'(()%*'1)/)'6'-.?,88,6/88/&%./&%-'*,22<-%+3(8,(/8+3&+'+/C+$/&/*<8%+3(8,(/8+3%& ),*'+/.%-'*,22<-%+3(8,(/8+3&+'+/C,8+$/?,88,6/8%&8/)3%-0,-,+$/8(8,(/8+3),*'+/.%-'*,22<-%+3(8,(/8+3&+'+/'&'1'&%&=,88/('32/-+,=+$/),'-: H=+$%&%&'-'(()%*'+%,-=,8I,%-+*8/.%+C?,88,6/8'-.A,B?,88,6/8/'*$'08//+$'+6/%-+/-.+,'(()3=,8I,%-+*8/.%+4&%0-1/),65J """"""""""""""""""""""""""""""""""""""""" """""""""""""""""""""""""""""""""""""""""?,88,6/8 A,B?,88,6/8 I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage Applied for: ;2,<-+ U K; A,-D/-+%,-') L+$/84/E()'%-5J MN; OPQ;RS<8') N,<&%-0P/8D%*/ H-+/8/&+S'+/ T,:,=W,-+$& Amortization Type: M%E/.S'+/ V XYW ;0/-*3A'&/T<21/8 II. PROPERTY INFORMATION AND PURPOSE OF LOAN L+$/84/E()'%-5J ;SW4+3(/5J 7/-./8A'&/T<21/8 P<1I/*+Y8,(/8+3;..8/&&4&+8//+C*%+3C&+'+/Z[HY5 T,:,=O-%+& 7/0')Q/&*8%(+%,-,=P<1I/*+Y8,(/8+34'++'*$./&*8%(+%,-%=-/*/&&'835 \/'8?<%)+ Y<8(,&/,=7,'- Y<8*$'&/ A,-&+8<*+%,- L+$/84/E()'%-5J S/=%-'-*/ A,-&+8<*+%,-BY/82'-/-+ Y8,(/8+36%))1/J Y8%2'83S/&%./-*/ P/*,-.'83S/&%./-*/ H-D/&+2/-+ Complete this line if construction or construction-permanent loan. \/'87,+ ;*G<%8/. L8%0%-')A,&+ U ;2,<-+]E%&+%-07%/-& U 4'5Y8/&/-+K')</,=7,+ U 415A,&+,=H2(8,D/2/-+& U #,+')4'^15 U Complete this line if this is a refinance loan. \/'8 ;*G<%8/. L8%0%-')A,&+ U ;2,<-+]E%&+%-07%/-& U Y<8(,&/,=S/=%-'-*/ Q/&*8%1/H2(8,D/2/-+& A,&+JU 2'./ +,1/2'./ #%+)/6%))1/$/).%-6$'+T'2/4&5 P,<8*/,=Q,6-Y'32/-+CP/++)/2/-+A$'80/&C'-.R,8P<1,8.%-'+/M%-'-*%-04/E()'%-5 W'--/8%-6$%*$#%+)/6%))1/$/). ]&+'+/6%))1/$/).%-J M//P%2()/ 7/'&/$,).4&$,6 /E(%8'+%,-.'+/5 Borrower III. BORROWER INFORMATION Co-Borrower?,88,6/89&T'2/4%-*)<./_8:,8P8:%='(()%*'1)/5 P,*%')P/*<8%+3T<21/8 N,2/Y$,-/ 4%-*):'8/'*,./5 W'88%/. O-2'88%/.4%-*)<./ P/('8'+/. &%-0)/C.%D,8*/.C6%.,6/.5 A,B?,88,6/89&T'2/4%-*)<./_8:,8P8:%='(()%*'1)/5 QL?422R..R33335 \8&:P*$,,) P,*%')P/*<8%+3T<21/8 N,2/Y$,-/ 4%-*):'8/'*,./5 Q/(/-./-+&4-,+)%&+/.13A,B?,88,6/85 "W'88%/. O-2'88%/.4%-*)<./ "P/('8'+/. &%-0)/C.%D,8*/.C6%.,6/.5 -,: '0/& Y8/&/-+;..8/&&4&+8//+C*%+3C&+'+/C[HY5 L6- S/-+""""T,:\8&: W'%)%-0;..8/&&C%=.%==/8/-+=8,2Y8/&/-+;..8/&& If residing at present address for less than two years, complete the following: QL?422R..R33335 Q/(/-./-+&4-,+)%&+/.13?,88,6/85 -,: '0/& Y8/&/-+;..8/&&4&+8//+C*%+3C&+'+/C[HY5 L6- S/-+""""T,:\8&: W'%)%-0;..8/&&C%=.%==/8/-+=8,2Y8/&/-+;..8/&& M,82/8;..8/&&4&+8//+C*%+3C&+'+/C[HY5 L6- S/-+""""T,:\8&: M,82/8;..8/&&4&+8//+C*%+3C&+'+/C[HY5 L6- S/-+""""T,:\8&: Borrower IV. EMPLOYMENT INFORMATION Co-Borrower T'2/Z;..8/&&,=]2(),3/8 P/)=]2(),3/. \8&:,-+$%&I,1 T'2/Z;..8/&&,=]2(),3/8 P/)=]2(),3/. \8&:,-+$%&I,1 \8&:P*$,,) \8&:/2(),3/.%-+$%& )%-/,=6,8FR(8,=/&&%,- Y,&%+%,-R#%+)/R#3(/,=?<&%-/&&?<&%-/&&Y$,-/4%-*):'8/'*,./5 Y,&%+%,-R#%+)/R#3(/,=?<&%-/&& If employed in current position for less than two years or if currently employed in more than one position, complete the following: \8&:/2(),3/.%-+$%& )%-/,=6,8FR(8,=/&&%,-?<&%-/&&Y$,-/4%-*):'8/'*,./5 Freddie Mac Form 65 7/05 Page 1 of 5 Fannie Mae Form /05

8 Borrower IV. EMPLOYMENT INFORMATION (cont d) Co-Borrower.#+%/011)%&&*(2+34*5%) 6%4(2+34*5%1 "#$%&'()*+,$*-.#+%/011)%&&*(2+34*5%) 6%4(2+34*5%1 "#$%&'()*+,$*- 7*8$945:8;*+% < AB&>8%&&=9*8% '>8;4C#)%#;*1%- 7*8$945:8;*+% < AB&>8%&&=9*8% '>8;4C#)%#;*1%-.#+%/011)%&&*(2+34*5%) 6%4(2+34*5%1 "#$%&'()*+,$*-.#+%/011)%&&*(2+34*5%) 6%4(2+34*5%1 "#$%&'()*+,$*- 7*8$945:8;*+% < AB&>8%&&=9*8% '>8;4C#)%#;*1%- 7*8$945:8;*+% < AB&>8%&&=9*8% '>8;4C#)%#;*1%- V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income Borrower Co-Borrower Total Combined Monthly Housing Expense Present Proposed A#&%2+34C:8;*+%D < < < E%8$ < FG%)$>+% H>)&$7*)$I#I%'=/:- < A*8B&%& F$9%)H>8#8;>8I'=/:- J*++>&&>*8& K#L#)1:8&B)#8;% ">G>1%81&?:8$%)%&$ 7*)$I#I%:8&B)#8;% F$9%) 'O%(*)% ;*+34%$>8IP K*+%*N8%)0&&8C"B%& &%% $9% 8*$>;% >8 Q1%&;)>O% *$9%)>8;*+%PRO%4*N- F$9%)S Total < < < Total < < * Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements. Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan. A?J 7*8$9450+*B8$ < VI. ASSETS AND ;#8O%+%#8>8I(B445#81(#>)453)%&%8$%1*8#;*+O>8%1O#&>&V*$9%)N>&%P&%3#)#$%6$#$%+%8$ 9%1B4%&#)%)%WB>)%1C:($9%J*UA*))*N%)&%;$>*8N#&;*+34%$%1#O*B$#8*8U#334>;#8$&3*B&%*)*$9%) 3%)&*8P$9>&6$#$%+%8$#81&B33*)$>8I&;9%1B4%&+B&$O%;*+34%$%1#O*B$$9#$&3*B&%*)*$9%)3%)&*8#4&*C J*+34%$%1X*>8$45.*$X*>8$45 "%&;)>3$>*8 J#&91%3*&>$$*N#)1 3B);9#&%9%41O5S ASSETS < Cash or Market Value Liabilities and Pledged Assets.Y>&$$9%;)%1>$*)Z&8#+%P#11)%&&P#81#;;*B8$8B+O%)(*)#44*B$&$#81>8I1%O$&P>8;4B1>8I #B$*+*O>4% 4*#8&P )%G*4G>8I ;9#)I% #;;*B8$&P )%#4 %&$#$% 4*#8&P #4>+*85P ;9>41 &B33*)$P &$*;[ 34%1I%&P %$;C \&% ;*8$>8B#$>*8&9%%$P>(8%;%&&#)5C:81>;#$%O5'D-$9*&%4>#O>4>$>%&PN9>;9N>44O%&#$>&(>%1B3*8&#4%*()%#4%&$#$%*N8%1*) B3*8)%(>8#8;>8I*($9%&BOT%;$3)*3%)$5C List checking and savings accounts below LIABILITIES Monthly Payment & Months Left to Pay.#+%#81#11)%&&*(A#8[P6/YP*)J)%1>$\8>*8.#+%#81#11)%&&*(J*+3#85 <=#5+%8$?7*8$9& < Unpaid Balance 0;;$C8*C < 0;;$C8*C.#+%#81#11)%&&*(A#8[P6/YP*)J)%1>$\8>*8.#+%#81#11)%&&*(J*+3#85 <=#5+%8$?7*8$9& < 0;;$C8*C < 0;;$C8*C.#+%#81#11)%&&*(A#8[P6/YP*)J)%1>$\8>*8.#+%#81#11)%&&*(J*+3#85 <=#5+%8$?7*8$9& < 0;;$C8*C < 0;;$C8*C Freddie Mac Form 65 7/05 Page 2 of 5 Fannie Mae Form /05

9 VI. ASSETS AND LIABILITIES (cont d) "#$%#&'#''(%))*+,#&-./01.*(2(%'345&3*& "#$%#&'#''(%))*+2*$6#&7 89#7$%&4:;*&4<) 8 =>>4?&*? 8 =>>4?&*? /4*>-)0,*&')@2*$6#&7&#$%: &A$B%(0'%)>(3643*&C 8 "#$%#&'#''(%))*+2*$6#&7 89#7$%&4:;*&4<) 8 =>>4?&*? 13+%3&)A(#&>%&%4>#)<D#EA% 8 "#$%#&'#''(%))*+2*$6#&7 89#7$%&4:;*&4<) 8 F#>%#$*A&4G8 Subtotal Liquid Assets 8 H%#E %)4#4% $#(-%4 D#EA% 8 +(*$)><%'AE%*+(%#E%)4#4%*I&%'C J%)4%'3&4%(%)43&(%43(%$%&4+A&' 8 =A4*$*B3E%)*I&%'@$#-% #&'7%#(C 8 =>>4?&*? 8 =E3$*&7:2<3E'/A66*(4:/%6#(#4% ;#3&4%&#&>%9#7$%&4)KI%'4*G 8 K4<%(=))%4)@34%$3P%C 8 L*BMH%E#4%'NO6%&)%@><3E'>#(%.A&3*&'A%).%4>?C 8 Total Monthly Payments $ Total Assets a. 8 "%4Q*(4< 8 Total Liabilities b. Schedule of Real Estate Owned@R+#''343*&#E6(*6%(43%)#(%*I&%'.A)%>*&43&A#43*&)<%%4?C 9(*6%(47=''(%))@%&4%(/3+)*E'.9/3+6%&'3&S)#E%*(H 3+(%&4#EB%3&S<%E'+*(3&>*$%C " T76%*+ 9(*6%(47 9(%)%&4 ;#(-%4J#EA% =$*A&4 *+;*(4S#S%) 013%&) U(*)) H%&4#ER&>*$% ;*(4S#S% 9#7$%&4) R&)A(#&>%. ;#3&4%&#&>%. T#O%)0;3)>? 8 8 "%4H%&4#E R&>*$% T*4#E) List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s): =E4%(&#4%"#$% 2(%'34*("#$% VII. DETAILS OF TRANSACTION #? 9A(><#)%6(3>% 8 If you answer Yes to any questions a through i, please use continuation sheet for explanation. B? =E4%(#43*&).3$6(*D%$%&4).(%6#3() Freddie Mac Form 65 7/05 Page 3 of 5 Fannie Mae Form / =>>*A&4"A$B%( VIII. DECLARATIONS Borrower Co-Borrower Yes No Yes No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

10 VII. DETAILS OF TRANSACTION "# $%&'()*+,-./*+,+0*+1 If you answer Yes to any questions a through i, please use continuation sheet for explanation. 9# 2'(('3.(4506'5*+10'5-57,*)&8$.66.( 6# F-=.(G(.)*-5H.I76,*+J VIII. DECLARATIONS /# :(.8'%7( ).6*+;%.+-'(*+)./,%6-'+,+8<.).(,6).&-'(,+8 '-=.(6',+>?'(-1,1.>/*+,+0*,6'&6*1,-*'+>&'+)>'(6',+1%,(,+-..@ A/BC.5>D1*E.).-,*65,5).50(*&.)*+-=.7(.0.)*+1;%.5-*'+# g. :(.8'%'&6*1,-.)-'7,8,6*?'+8>0=*6)5%77'(->'( 5.7,(,-.?,*+-.+,+0.@ =# A5,+87,(-'/-=.)'3+7,8?.+-&'(('3.)@ *#:(.8'%,0'N?,9.('(.+)'(5.('+,+'-.@ Borrower Co-Borrower Yes No Yes No "" "" "" "" "" ""?# K',+,?'%+-H.I06%).LMA>MAL> <%+)*+1<../*+,+0.)J "" "" NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN "#:(.8'%,O#$#0*-*P.+@ "" "" +# LMA>MAL><%+)*+1<../*+,+0.) '# 7# K',+,?'%+-H,))?Q+J G,5=/('?S-'2'(('3.(H5%&-(,0-">9>6Q '/('?*J 9#:(.8'%,7.(?,+.+-(.5*).+-,6*.+@ "" "" 6#Do you intend to occupy the property as your primary residence? "" "" A/BC.5>D0'?76.-.;%.5-*'+?&.6'3#?# R,E.8'%=,),+'3+.(5=*7*+-.(.5-*+,7('7.(-8*+-=.6,5--=(..8.,(5@ "" "" HTJU=,--87.'/7('7.(-8)*)8'%'3+V7(*+0*7,6(.5*).+0.HLWJ> 5.0'+)='?.H$RJ>'(*+E.5-?.+-7('7.(-8HALJ@ HXJR'3)*)8'%='6)-*-6.-'-=.='?.V5'6.68&88'%(5.6/H$J> "'*+-683*-=8'%(57'%5.H$LJ>'("'*+-683*-=,+'-=.(7.(5'+HFJ@ YYYYYYY YYYYYYY YYYYYYY YYYYYYY IX. ACKNOWLEDGEMENT AND AGREEMENT Z,0='/-=.%+).(5*1+.)57.0*/*0,668(.7( 'K.+).(,+)-'K.+).([5,0-%,6'(7'-.+-*,6,1.+-5>&('9.(5>7('0.55'(5>,--'(+.85>*+5%(.(5>5.(E*0.(5>5%00.55'(5,+),55*1+5,+),1(..5,+),09+'36.)1.5 -=,-\HTJ-=.*+/'(?,-*'+7('E*).)*+-=*5,776*0,-*'+*5-(%.,+)0'((.0-,5'/-=.),-.5.-/'(-='77'5*-.?85*1+,-%(.,+)-=,-,+8*+-.+-*'+,6'(+.16*1.+-?*5(.7(.5.+-,-*'+'/-=*5*+/'(?,-*'+0'+-,*+.)*+ -=*5,776*0,-*'+?,8(.5%6-*+0*E*66*,&*6*-8>*+06%)*+1?'+.-,(8),?,1.5>-',+87.(5'+3='?,85%//.(,+86'55)%.-'(.6*,+0.%7'+,+8?*5(.7(.5.+-,-*'+-=,-A=,E.?,).'+-=*5,776*0,-*'+>,+)S'(*+ 0(*?*+,67.+,6-*.5*+06%)*+1>&%-+'-6*?*-.)-'>/*+.'(*?7(*5'+?.+-'(&'-=%+).(-=.7('E*5*'+5'/]*-6.T^>O+*-.)$-,-.5G').>$.0#T T>.-5.;#`HXJ-=.6',+(.;%.5-.)7%(5%,+--'-=*5,776*0,-*'+H-=. ak',+aj3*66&.5.0%(.)&8,?'(-1,1.'()..)'/-(%5-'+-=.7('7.(-8).50(*&.)*+-=*5,776*0,-*'+`hbj-=.7('7.(-83*66+'-&.%5.)/'(,+8*66.1,6'(7('=*&*-.)7%(7'5.'(%5.`hcj,665-,-.?.+-5?,).*+ -=*5,776*0,-*'+,(.?,)./'(-=.7%(7'5.'/'&-,*+*+1,(.5*).+-*,6?'(-1,1.6',+`HdJ-=.7('7.(-83*66&.'00%7*.),5*+)*0,-.)*+-=*5,776*0,-*'+`HeJ-=.K.+).(>*-55.(E*0.(5>5%00.55'(5'(,55*1+5?,8 (.-,*+-=.'(*1*+,6,+)S'(,+.6.0-('+*0(.0'()'/-=*5,776*0,-*'+>3=.-=.('(+'--=.K',+*5,77('E.)`HfJ-=.K.+).(,+)*-5,1.+-5>&('9.(5>*+5%(.(5>5.(E*0.(5>5%00.55'(5>,+),55*1+5?,80'+-*+%'%568 (.68'+-=.*+/'(?,-*'+0'+-,*+.)*+-=.,776*0,-*'+>,+)A,?'&6*1,-.)-',?.+),+)S'(5%776.?.+--=.*+/'(?,-*'+7('E*).)*+-=*5,776*0,-*'+*/,+8'/-=.?,-.(*,6/,0-5-=,-A=,E.(.7(.5.+-.)=.(.*+ 5='%6)0=,+1.7(*'(-'06'5*+1'/-=.K',+`H^J*+-=..E.+--=,-?87,8?.+-5'+-=.K',+&.0'?.).6*+;%.+->-=.K.+).(>*-55.(E*0.(5>5%00.55'(5'(,55*1+5?,8>*+,))*-*'+-',+8'-=.((*1=-5,+) (.?.)*.5-=,-*-?,8=,E.(.6,-*+1-'5%0=).6*+;%.+08>(.7'(-?8+,?.,+),00'%+-*+/'(?,-*'+-''+.'(?'(.0'+5%?.((.7'(-*+1,1.+0*.5`HgJ'3+.(5=*7'/-=.K',+,+)S'(,)?*+*5-(,-*'+'/-=.K',+,00'%+-?,8&.-(,+5/.((.)3*-=5%0=+'-*0.,5?,8&.(.;%*(.)&86,3`HT_J+.*-=.(K.+).(+'(*-5,1.+-5>&('9.(5>*+5%(.(5>5.(E*0.(5>5%00.55'(5'(,55*1+5=,5?,).,+8(.7(.5.+-,-*'+'(3,((,+-8>.I7(.55'(*?76*.)>-'?.(.1,()*+1-=.7('7.(-8'(-=.0'+)*-*'+'(E,6%.'/-=.7('7.(-8`,+)HTTJ?8-(,+5?*55*'+'/-=*5,776*0,-*'+,5,+a.6.0-('+*0(.0'()a0'+-,*+*+1?8a.6.0-('+*05*1+,-%(.>a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h,-. G'N2'(('3.(45$*1+,-%(. h,-. X X X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES ]=./'66'3*+1*+/'(?,-*'+*5(.;%.5-.)&8-=.<.).(,6i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thnicity: "R*57,+*0'(K,-*+'"j'-R*57,+*0'(K,-*+' Ethnicity: "R*57,+*0'(K,-*+'" j'-r*57,+*0'(k,-*+' Race: ":?.(*0,+A+)*,+'( " :5*,+" 26,09'(:/(*0,+:?.(*0,+ :6,59,j,-*E. "j,-*e.r,3,**,+'( "U=*-. F-=.(L,0*/*0A56,+).( Race: ":?.(*0,+A+)*,+'( " :5*,+" 26,09'(:/(*0,+:?.(*0,+ :6,59,j,-*E. "j,-*e.r,3,**,+'( "U=*-. F-=.(L,0*/*0A56,+).( Sex: " <.?,6. " M,6. Sex: " <.?,6. "M,6. To be Completed by Interviewer ]=*5,776*0,-*'+3,5-,9.+&8\ "<,0.N-'N/,0.*+-.(E*.3 A+-.(E*.3.(45j,?.H7(*+-'(-87.J j,?.,+):))(.55'/a+-.(e*.3.(45z?76'8.( "M,*6 "].6.7='+. "A+-.(+.- A+-.(E*.3.(45$*1+,-%(. h,-. A+-.(E*.3.(45L='+.j%?&.(H*+06#,(.,0').J Freddie Mac Form 65 7/05 Page 4 of 5 Fannie Mae Form /05

11 CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION 4/&567/+#*57*1.57#*/6&&578,#1*&&92#$& /:.+&5#+#2:;&5&56&<&/79&*57.;=#.* 8#$"#$$#%&$#$C 8#$ -#A"#$$#%&$> "#$$#%&$' ()&*+,-./&0123&$' -#A"#$$#%&$' =&*9&$-./&0123&$' BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB #8I75;&JKG4*75&9L5.5&/-#9&GL&+57#*JMMJG&5/&N> "#$$#%&$O/L7)*.51$& X P.5& -#A"#$$#%&$O/L7)*.51$& X Freddie Mac Form 65 7/05 Page 5 of 5 Fannie Mae Form /05 P.5&