Line of Credit

This application is designed to be completed by the applicants 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) when

Which assets will be used for qualification? The income or assets of a person other than the "Borrower" (Including the Borrower's spouse) will be used as loan qualification or The income or assets of the Borrower's spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the 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.

Type of Mortgage & Terms of Loan

Are you applying for joint credit? Yes No

What mortgage types have you applied for? VA Conventional FHA USDA / Rural Housing Svc. Other

Agency Case Number Lender Case Number Loan Amount Interest Rate Number of Months

What is the amortization? Fixed GPM ARM Other

ARM Type Explain Other Name of Title Holder Manner in Which Title is Held

What is the estate held in? Fee Simple Leasehold

Leasehold Expiration Date Subject Property Address City State Zip Code Number of Units Legal Description of Property Year Built

What will the property be used for? Primary Residence Secondary Residence Investment

Purpose of Loan Purchase Refinance Construction Other

Explain Other

Construction Information

Year Lot Acquired Original Cost Amount on Existing Liens Present Value of Lot Cost of Improvements

Refinance Information

Purpose of Refinance Year Acquired Original Cost Remaining Loan Amount

Will this be used for improvements? Yes No

Improvements have already been made. Describe Improvements Total Cost of Improvements

Borrower Information

First Name Middle Initial Last Name Suffix Social Security Number Birth Date Mother's Maiden Name Home Phone Number E-mail Address Please do NOT email me important news and updates. Highest Level of Education Completed

Marital Status Single Married Separated Divorced Widowed

Number of Dependents (Not Listed by Co-Borrower) List Dependents' Ages

Borrower Housing

Home Address City State Zip Code Mailing address is different than street address.

Mailing Address City State Zip Code

Do you own or rent this property? Own Rent Other

Explain Residency Start Date Monthly Mortgage or Rent Payment

Have you lived here for two or more years? Yes No

Previous Home Address City State Zip Code Residency Start Date Monthly Mortgage or Rent Payment

Did you own or rent this property? Own Rent Other

Explain

Co-Borrower Information

First Name Middle Initial Last Name Suffix Social Security Number Birth Date Mother's Maiden Name Home Phone Number E-mail Address Please do NOT email me important news and updates. Highest Level of Education Completed

Marital Status Single Married Separated Divorced Widowed

Number of Dependents (Not Listed by Co-co-borrower) List Dependents' Ages

Co-Borrower Housing

Home Address City State Zip Code Mailing address is different than street address.

Mailing Address City State Zip Code

Do you own or rent this property? Own Rent Other

Explain Residency Start Date Monthly Mortgage or Rent Payment

Have you lived here for two or more years? Yes No

Previous Home Address City State Zip Code Residency Start Date Monthly Mortgage or Rent Payment

Did you own or rent this property? Own Rent Other

Explain

Employment Information

Borrower Employment

Is the borrower employed? Employed Not Employed

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Have you worked here for more than two years? (No if unemployed) Yes No

Previous Employer 1

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Previous Employer 2

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Co-borrower Employment

Is the co-borrower employed? Employed Not Employed

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Have you worked here for more than two years? (No if unemployed) Yes No

Previous Employer 1

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Previous Employer 2

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Monthly Income

Monthly Income Source	Borrower	Co-Borrower	Line Total
Base Employment Income	Base Employment Income	Co-Borrower Base Employment Income	Total Base Employment Income
Overtime	Overtime	Co-Borrower Overtime	Total Overtime
Bonuses	Bonuses	Co-Borrower Bonuses	Total Bonuses
Commissions	Commissions	Co-Borrower Commissions	Total Commissions
Dividends/Interest	Dividends/Interest	Co-Borrower Dividends/Interest	Total Dividends/Interest
Net Rental Income	Net Rental Income	Co-Borrower Net Retal Income	Total Net Rental Income
Other Income	Other Income	Co-Borrower Other Income	Total Other Income
Income Total	Income Total	Co-Borrower Income Total	Total Income Total

before completing, see the notice in "describe other income" below

Other Income

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.

Income Proprietor Description Monthly Amount

Combined Monthly Housing Expenses

Monthly Expense Source	Present	Proposed
Rent	Rent
First Mortgage (P&I)	First Mortgage (P&I)	Proposed First Mortgage (P&I)
Other Financing (P&I)	Other Financing (P&I)	Proposed Other Financing (P&I)
Hazard Insurance	Hazard Insurance	Proposed Hazard Insurance
Real Estate Taxes	Real Estate Taxes	Proposed Real Estate Taxes
Mortgage Insurance	Mortgage Insurance	Proposed Mortgage Insurance
Homeowner Association Dues	Homeowner Association Dues	Proposed Homeowner Association Dues
Other	Other	Proposed Other Expenses
Total	Total	Proposed Total Expenses

Assets

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

Liquid Assets	Person or Institution	Cash or Market Value
Cash deposit toward purchase	Holder's Name	Cash Deposit Amount
Life Insurance	Insurer's Name	Life Insurance Net Cash Value

Checking or Savings Accounts

Account Number Institution Cash or Market Value

Stocks and Bonds

Description Company Cash or Market Value

Subtotal Liquid Assets

Subtotal Liquid Assets

Investments

Assets	Cash or Market Value
Real estate owned (enter market value from schedule of real estate owned)	Real estate owned (enter market value from schedule of real estate owned)
Vested interest in retirement fund	Vested interest in retirement fund
Net Worth of business(es) owned (attach financial statement)	Net Worth of business(es) owned (attach financial statement)

Automobiles owned

Make Model Year Cash or Market Value

Other Assets (itemize)

Asset Description Cash or Market Value

Assets Total

Assets Total

Liabilities

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

Liabilities and Pledged Assets

List the creditor's name, address and account number for all outstanding debts, 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 be satisfied upon sale of real estate owned or upon refinancing of the subject property.

Liability

Name of Liability Owner Liability Owner's Address City State Zip Code Account Number

Unpaid Balance Monthly Payment

Alimony/Child Support/Separate Maintenance

Expense	Name of Party Paid to	Monthly Payments
Child Support	Child Support Name of Party Paid	Child Support Monthly Payments
Job-Related Expenses (child care, union dues, etc.)	Job-Related Expenses Name of Party Paid	Job-Related Expenses Monthly Payments
	Total Monthly Payments	Total Monthly Payments
	Total Liabilities	Total Liabilities
	Net Worth (Assets minus Liabilities)	Net Worth (Assets minus Liabilities)

Schedule of Real Estate Owned

Real Estate

Property Address City State Zip Code Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental Income Net Rental Income Mortgage Payments Insurance, Maintenance, Taxes & Misc.

	Total Real Estate Market Value	Total Real Estate Market Value
	Total Mortgages & Liens	Total Mortgages & Liens
	Monthly Gross Rental Income	Gross Rental Income
	Monthly Net Rental Income	Net Rental Income
	Monthly Mortgage Payments	Mortgage Payments
	Monthly Insurance, Maintenance, Taxes & Misc.	Insurance, Maintenance, Taxes & Misc.

Declarations

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 Declarations

Are there any outstanding judgments against you? Yes No

Explain

Have you been declared bankrupt within the past 7 years? Yes No

Explain

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? Yes No

Explain

Are you a party to a lawsuit? Yes No

Explain

Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer or title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, 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.) Yes No

Explain

Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes", give details as described in the preceding question. Yes No

Explain

Are you obligated to pay alimony, child support, or separate maintenance? Yes No

Explain

Is any part of the down payment borrowed? Yes No

Explain

Are you a co-maker or endorser on a note? Yes No

Explain

Are you a U.S. citizen? Yes No

Are you a permanent resident alien? Yes No

Explain

Do you intend to occupy the property as your primary residence? Yes No

Have you had an ownership interest in a property in the last three years? Yes No

What type of property did you own? How did you hold the title to the home?

Acknowledgement & Agreement

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees 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 misrepresentation 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 any misrepresentation 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 States Code, 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) the property 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) the property 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, whether or 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, and I 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 the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its services, successors or assigns may, in addition to any other rights and remedies that it may have 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 Loan account 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 information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

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.

Type your name in the box below to represent your electronic signature.

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

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