GEORGIA ATTORNEY PREFERENCE NOTICE

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1 GEORGIA ATTORNEY PREFERENCE NOTICE Borrower (s): Lender: Property Address: Loan Number: Date: I understand that I have the right to select a qualified attorney to conduct the title search and loan closing, provided the attorney I select is acceptable to the lender. If I do not choose to select an attorney, the lender will choose a qualified attorney to conduct the title search and my loan closing. Please check ONE of the following: I elect to have the lender choose a qualified attorney to search title and conduct my loan closing. I elect to choose the attorney to search title and conduct my loan closing. I may choose an attorney from an approved list or I may select my own attorney, provided the attorney I select is acceptable to the lender. The attorney I choose is: Borrower Signature: Date: Borrower Signature: Date: GA Attorney Preference Notice Rev

2 GEORGIA APPLICATION DISCLOSURE Borrower (s): Lender: Property Address: Loan Number: Date: ADVANCE FEES The following fees are being charged in connection with the processing of your loan application. Other fees not shown here may be payable later and are shown on the Good Faith Estimate of Closing Costs. Nonrefundable fees are subject to applicable limitations of state or federal law. If these fees are being accepted by the mortgage l ender or mortgage broker, such lender or broker cannot guarantee approval of the loan application or acceptance into a particular loan program. Received: Name of Fee Amount Important Information Application Fee $ The application fee will be applied toward the cost of processing the loan. The fee is nonrefundable. Appraisal Fee Deposit $ The deposit will be applied toward the total cost of the appraisal, which may exceed the amount of the deposit. The deposit is refundable only if the loan is denied or withdrawn prior to the Lender ordering the appraisal. Credit Report Deposit $ The deposit will be applied toward the total cost of the credit report, which may exceed the amount of the deposit. The deposit is refundable only if the loan is denied or withdrawn prior to the Lender ordering the credit report. LENDER CONTACT If you have any questions regarding your application, please contact: Name: Lender s Name: Lender s Address: Telephone Number: I/We have read the above disclosure and acknowledge receiving a copy by signing below. Borrower Signature: Date: Borrower Signature: Date: GA Application Disclosure Rev

3 ECOM Mortgage, Inc Park View Drive #355 Covina, CA T. (626) F. (626) Certification Borrower s Certification & Authorization The undersigned certify the following: 1. I/We have applied for a mortgage loan from: Ecom Mortgage, Inc. dba Home Loan Mortgage Company (Lender). In applying for the loan, I/We have completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information. 2. I/We understand and agree that Lender 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 the financial institution. 3. I/We fully understand that it is a 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, Section I/We provided Lender with verbal and/or written authorization to order a consumer credit report and verify all other credit information, including past and present mortgage and landlord references in connection with my/our application for this loan. Authorization To Whom It May Concern: 1. I/We have applied for a mortgage loan from: Ecom Mortgage, Inc. dba Home Loan Mortgage Company (Lender). As part of the application process, Lender and the mortgage guaranty insurer (if any), 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 to Lender, and to any investor to whom Lender may sell my mortgage, and to the mortgage guaranty (if any), any and all 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 income tax returns. 3. I/We further authorize Lender to order a consumer credit report and verify other financial information, including past and present mortgage and landlord references. 4. Lender or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address this authorization to any party named in the loan application. 5. A photographic or carbon copy of this authorization bearing a photographic or carbon copy of the signature(s) of the undersigned may be deemed to be equivalent to the original hereof and may be used as a duplicate original. Borrower Signature Date Borrower Signature Date Borrower s Certification & Authorization

4 Anit-Steering Loan Options Disclosure Applicant(s): Property Address: Date: Loan Number: Broker: NMLS Number: Loan Originator: NMLS Number: You expressed an interest in obtaining a loan with a loan term of. Based on information provided by and/or about you, we have obtained loan options from a significant number of creditors with which we regularly do business. The phrase significant number of creditors with which we regularly do business means three or more creditors, unless we regularly do business with fewer than three, in which case it means all such creditors. Based on this information about you, and certain information routinely communicated to us by the creditors listed below (such as, for example, the particular creditor s rate sheets showing current pricing or the required minimum credit score), we have a good faith belief that the loan options presented are loans for which you likely qualify, assuming you further meet the particular creditor s specific loan criteria, as applicable, at all pertinent times up to and including the time of closing. This Loan Options Disclosure only estimates possible loan scenarios, and is based solely on estimated figures and information available at the time prepared. It is neither a loan commitment nor a guarantee of any kind. The primary purpose of this disclosure is to present you with the following loan options for the type of loan transaction for which you expressed an interest, in an effort to assist you in selecting a loan that best fits your individual goals, needs, and preferences, including: The loan with the lowest interest rate Loan Option 1 in the table below; The loan with the lowest interest rate without any of the following features: negative amortization, a prepayment penalty, interest-only payments, a balloon payment in the first 7 years of the loan term, a demand feature, shared equity, or shared appreciation Loan Option 2 in the table below; and The loan with the lowest total dollar amount for origination points or fees and discount points Loan Option 3 in the table below. If information is included for Loan Option 4 in the table below, we also have included a fourth loan option for the type of transaction in which you expressed interest and for which we believe you likely qualify for further comparison with the other three loan options listed. We do not state a preference with regard to any of the available options, and the selection of an appropriate loan is entirely yours. The Loan Options table does not include all of the information relevant to your decision, and you may wish to consider additional criteria not included in the table when selecting a loan. Please ask us, your legal or other advisors, or any other appropriate person, if you have any questions about the Loan Options presented or this Loan Options Disclosure. Page 1 of 3

5 Loan Option 1 Lowest Interest Rate Loan Option 2 Lowest Interest Rate (without certain features) Loan Option 3 Lowest Total Dollar Amount for Origination Points or Fees & Discount Points Loan Option 4 Another Alternative Creditor Loan Type Loan Term Interest Rate Initial Fixed Interest Rate Period (if applicable) Origination Points or Fees OR OR OR OR Discount Points OR OR OR OR TOTAL DOLLAR AMOUNT of Origination Points or Fees and Discount Points Does this Loan Include: Negative Amortization? Prepayment Penalty? Interest-Only Payments? Balloon Payment in the first 7 years of the life of the loan? Demand Feature? Shared Equity? No No No No Shared Appreciation? No No No No Having considered my/our particular needs and circumstances, as well as my/our goals, I/we hereby choose the following: Loan Option 1 Loan Option 2 Loan Option 3 Loan Option 4 Other loan/not listed above (described as): I/we understand that I/we can change my/our mind about this selection before closing on a loan. I/we selected the Loan Option above for the following reason(s) (e.g., particular loan features (such as the loan term, lowest interest rate, etc.), creditor s reputation, etc.): No No No No No Loan Options Disclosure ~ 11/2012 ~ Encompass360 Page 2 of 3

6 By signing below, I/we hereby acknowledge receipt of this Loan Options Disclosure ( Disclosure ) and expressly certify to the Loan Originator and creditor as follows: (i) (ii) (iii) (iv) (v) (vi) I/we have read this Disclosure in its entirety, or have had this Disclosure read to me/us by a person I/we trust other than an employee or representative of the person or company providing me/us this Disclosure; I/we understand the information contained herein and have had the opportunity to ask any questions, or seek any legal or other counsel, as I/we deem appropriate prior to signing this Disclosure; I/we understand that signing this Disclosure creates no obligation to obtain a loan through any particular person or company (including, the person or company providing me this Disclosure); My/our selection of a Loan Option has been voluntary, based on my/our own evaluation of my/our particular needs and interests, and neither the Loan Originator, nor the person or company providing me/us this Disclosure, nor any other person affiliated with either, has advised, counseled or otherwise influenced me/us in selecting a particular loan option; I/we understand that a number of other disclosure documents, and other information, are being (or will be) provided, under applicable Federal, state and/or local laws, and that the Loan Originator and creditor strongly encourage me/us to closely review each of these various documents when deciding whether and how to proceed with any particular loan transaction; and Except for Loan Types for which a Loan Options Disclosure has been presented, I/we have not expressed an interest in any other Loan Type. Date Date Loan Options Disclosure ~ 11/2012 ~ Encompass360 Page 3 of 3

7 Equal Credit Opportunity Act Notice Property Address: Loan Number: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: FEDERAL TRADE COMMISSION EQUAL CREDIT OPPORTUNITY WASHINGTON, D.C Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Borrower Date Co-Borrower Date Dis - ECOA 09/2012 ~ Encompass360

8 The Housing Financial Discrimination Act of 1977 Fair Lending Notice Property Address: Loan Number: Lender: ECOM Mortgage, Inc Park View Drive, # 355 Covina, CA Date: It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration 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, domestic partnership, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a 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 purpose of the purchase, construction, rehabilitation or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or the Bureau of Real Estate at one of the following locations: CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT 320 WEST 4TH STREET STE 750 LOS ANGELES,CA I/we received a copy of this notice. ACKNOWLEDGEMENT OF RECEIPT Borrower Date Co-Borrower Date Bureau of Real Estate Mortgage Lending Unit RE 867 (Rev. 7/13) Fair Lending 08/2013 ~ Encompass360

9 USA Patriot Act Information Disclosure Important Information about Application Procedures First Alliance Mortgage 4096 Bonita Road Bonita, CA To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. What this means to you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. I/we acknowledge that I/we received a copy of this disclosure. Roman Cedillo Date Date Patriot Act Information Disclosure 01/04 ~ Encompass TM from Ellie Mae ~

10 ECOM Mortgage, Inc Park View Drive #355 Covina, CA T. (626) F. (626) HOME VALUATION CODE OF CONDUCT (HVCC) APPRAISAL ACKNOWLEDGEMENT Loan #: Date: March 31, 2014 Lender: Borrower: Home Loan Mortgage Company Roman Cedillo Property Address: 4910 Pacifica Drive, San Diego CA You are entitled to receive a copy of any appraisal report that is obtained on your behalf, concerning your subject property, at least three business days prior to the closing of your loan. A copy of any and all such appraisal reports ( appraisal report ) should have already been delivered to you, allowing you at least three business days to review it prior to the closing of your loan. If you wish to proceed with the loan closing, your signature will acknowledge either: (1) Your receipt of the appraisal report three or more business days prior to your loan closing, or, alternatively, (2) That you previously had waived your right to review the appraisal report three or more business days prior to the closing of your loan. Borrower Date Borrower Date - 1 -

11 ECOM MORTGAGE, INC. Mortgage Banker / Direct Lender NMLS: DBO: w ww.ecommtg.com ECOM Mortgage, Inc Park View Drive #355 Covina, CA T. (626) F. (626) Borrower Acknowledgement of Appraisal Delivery Date: Applicant: Case Number: Loan Number: Property Address: As earlier disclosed in the Appraisal Report Delivery Disclosure, I understand that I am entitled to receive a copy of any appraisal concerning the subject property at least three business days prior to signing my loan documents (also called the loan closing). By signing below, I acknowledge receipt of any appraisal concerning the subject property at least three (3) business days prior to closing Date report received: If there are multiple borrowers on this application, only one borrower is required to sign below. Borrower Signature: Date: Borrower Signature: Date: - 1 -

12 ECOM Mortgage, Inc Park View Drive #355 Covina, CA T. (626) F. (626)

13 Broker Certification of Receipt of LE And Notice of Intent to Proceed With Loan Application Name of Broker: Applicant/Borrower Name(s): Property Address: The undersigned (Broker) hereby certifies that the following loan Applicant(s): Has/Have been provided with a Loan Estimate within three (3) business days of the loan application and has/have confirmed receipt of the Loan Estimate Has/Have expressed verbally or in writing an intent to proceed with the transaction as disclosed in the Loan Estimate Has/Have not been charged any fees other than an applicable bona fide credit report fee on the subject loan Certifying Broker Signature: Date: Broker Certification of LE & Intent to Proceed Rev

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16 Acknowledgement of Disclosures Loan Applicant(s) Name(s): Property Address: I hereby acknowledge that I have provided the borrower all the proper disclosures required for this loan. I further acknowledge that the disclosures were provided in the manner I have identified in accordance with applicable compliance requirements and that I have retained proof of receipt of all disclosures by the consumer. Additionally, I acknowledge all regulatory required time periods have been/will be complied with. This includes: providing initial disclosures within three days of application; providing disclosures at least seven days prior to consummation; and receipt by the consumer of re-disclosures at least three days prior to the consummation (if applicable). With the exception of a bona fide credit report fee, I certify that I did not charge the consumer a fee prior to their receipt of the initial Loan Estimate (LE). Loan Estimate (LE) Notice of Right to Receive Appraisal Disclosure [applied to HPML loans only] Privacy Policy Disclosure Notice to Home Loan Applicant / Credit Score Notice and Disclosure Acknowledgement of Receipt of Loan Estimate Notice of Intent to Proceed HUD s Settlement Cost Booklet [applied to Purchase loans] ARM Disclosure [applied to ARM loans only] CHARM Booklet [applied to ARM loans only] Loan Originator Representative Name (Print): Loan Originator Signature: Date: Borrower Signature: Date: Acknowledgement of Disclosures Rev

17 Acknowledgement of Receipt of Loan Estimate Borrower (s): Loan Number: Property Address: Loan Originator: The undersigned applicants hereby acknowledge receiving a Loan Estimate from (Company Name) Signing this acknowledgement does not constitute an obligation on your part to proceed with the transaction offered in the Loan Estimate. The Loan Estimate as provided to you expires on / / unless you contact us by indicating your intention to proceed with the transaction. Read and acknowledged this day of,. Borrower Signature: Date: Borrower Signature: Date: Acknowledgement of Receipt of Loan Estimate Rev

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20 ECOM MORTGAGE, INC. Mortgage Banker / Wholesale Lender NMLS: DBO: w w w.ecommtg.com ECOM Mortgage, Inc Park View Drive #355 Covina, CA T. (626) F. (626) Homeownership Counseling Disclosure Loan Number: Borrower(s): Date: Property Address: City: State: Zip: Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau s (CFPB) website, counselor, and enter your zip code. You can also access HUD s housing counseling agency website via For additional assistance with locating a housing counseling agency, call the CFPB at CFPB (2372). By signing below, I (we) acknowledge receipt of a copy of this disclosure. Signature: Date: Signature: Date:

21 MORTGAGE FRAUD IS INVESTIGATED BY THE FBI Mortgage Fraud is investigated by the Federal Bureau of Investigation and is punishable by up to 30 years in federal prison or $1,000,000 fine, or both. It is illegal for a person to make any false statement regarding income, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loan and credit application for the purpose of influencing in any way the action of a financial institution. Some of the applicable Federal criminal statutes which may be charged in connection with Mortgage Fraud include: 18 U.S.C Statements or entries generally 18 U.S.C HUD and Federal Housing Administration Transactions 18 U.S.C Loan and credit applications generally 18 U.S.C Fraud and related activity in connection with identification documents 18 U.S.C Frauds and swindles by Mail 18 U.S.C Fictitious name or address 18 U.S.C Fraud by wire 18 U.S.C Bank Fraud 42 U.S.C. 408(a) - False Social Security Number Unauthorized use of the FBI seal, name, and initials is subject to prosecution under Sections 701, 709, and 712 of Title 18 of the United States Code. This advisement may not be changed or altered without the specific written consent of the Federal Bureau of Investigation, and is not an endorsement of any product or service. Borrower Signature: Date: