Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender.

1a. Personal Information

1b. Current Employment/Self-Employment and Income

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income

1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income

1e. Income from Other Sources

• Alimony • Automobile Allowance • Boarder Income • Capital Gains • Child Support • Disability • Foster Care • Housing or Parsonage • Interest and Dividends • Mortgage Credit Certificate • Mortgage Differential Payments • Notes Receivable • Public Assistance • Retirement (e.g., Pension, IRA) • Royalty Payments • Separate Maintenance • Social Security • Trust • Unemployment Benefits • VA Compensation • Other

This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses.

2a. Assets – Bank Accounts, Retirement, and Other Accounts You Have

• Checking • Savings • Money Market • Certificate of Deposit • Mutual Fund • Stocks • Stock Options • Bonds • Retirement (e.g., 401k, IRA) • Bridge Loan Proceeds • Individual Development Account • Trust Account • Cash Value of Life Insurance (used for the transaction)

2b. Other Assets and Credits You Have

Assets • Proceeds from Real Estate Property to be sold on or before closing • Proceeds from Sale of Non-Real Estate Asset • Secured Borrowed Funds • Unsecured Borrowed Funds • Other

Credits • Earnest Money • Employer Assistance • Lot Equity • Relocation Funds • Rent Credit • Sweat Equity • Trade Equity

2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe

• Revolving (e.g., credit cards) • Installment (e.g., car, student, personal loans) • Open 30-Day (balance paid monthly) • Lease (not real estate) • Other

2d. Other Liabilities and Expenses

• Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other

This section asks you to list all properties you currently own and what you owe on them

3a. Property You Own (If you are refinancing, list the property you are refinancing FIRST.)

3b. IF APPLICABLE, Complete Information for Additional Property . ( skip If do not own any real estate)

This section asks about the loan’s purpose and the property you want to purchase or refinance.

4a. Loan and Property Information

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing

4c. Rental Income on the Property You Want to Purchase (For Purchase Only)

4d. Gifts or Grants You Have Been Given or Will Receive for this Loan (skip if it doesn't apply)

• Community Nonprofit • Employer • Federal Agency • Local Agency • Relative • Religious Nonprofit • State Agency • Unmarried Partner • Lender • Other

This section asks you specific questions about the property, your funding, and your past financial history.

5a. About this Property and Your Money for this Loan

5b. About Your Finances

This section tells you about your legal obligations when you sign this application.

Definitions: I agree to, acknowledge, and represent the following: • "Lender" includes the Lender’s agents, service providers, and any of their successors and assigns. • "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns. (1) The Complete Information for this Application • The information I have provided in this application is true, accurate, and complete as of the date I signed this application. • If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract. • For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction. • The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. • Any intentional or negligent misrepresentation of information may result in the imposition of: (a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or (b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.). (2) The Property’s Security The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application. (3) The Property’s Appraisal, Value, and Condition • Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants. • The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value. (4) Electronic Records and Signatures • The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.Definitions: I agree to, acknowledge, and represent the following: • "Lender" includes the Lender’s agents, service providers, and any of their successors and assigns. • "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns. (1) The Complete Information for this Application • The information I have provided in this application is true, accurate, and complete as of the date I signed this application. • If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract. • For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction. • The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. • Any intentional or negligent misrepresentation of information may result in the imposition of: (a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or (b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.). (2) The Property’s Security The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application. (3) The Property’s Appraisal, Value, and Condition • Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants. • The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value. (4) Electronic Records and Signatures • The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.Definitions: I agree to, acknowledge, and represent the following: • "Lender" includes the Lender’s agents, service providers, and any of their successors and assigns. • "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns. (1) The Complete Information for this Application • The information I have provided in this application is true, accurate, and complete as of the date I signed this application. • If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract. • For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction. • The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. • Any intentional or negligent misrepresentation of information may result in the imposition of: (a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or (b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.). (2) The Property’s Security The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application. (3) The Property’s Appraisal, Value, and Condition • Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants. • The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value. (4) Electronic Records and Signatures • The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.• If this application is created as (or converted into) an “electronic application”, I consent to the use of “electronic records” and “electronic signatures” as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws. • I intend to sign and have signed this application either using my: (a) electronic signature; or (b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature. • I agree that the application, if delivered or transmitted to the Lender or Other Loan Participants as an electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me in writing. (5) Delinquency • The Lender and Other Loan Participants may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report and will likely affect my credit score. • If I have trouble making my payments I understand that I may contact a HUD-approved housing counseling organization for advice about actions I can take to meet my mortgage obligations. (6) Authorization for Use and Sharing of Information By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentation, (ii) a consumer credit report on me, and (iii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing: (a) process and underwrite my loan; (b) verify any data contained in my consumer credit report, my loan application and other information supporting my loan application; (c) inform credit and investment decisions by the Lender and Other Loan Participants; (d) perform audit, quality control, and legal compliance analysis and reviews; (e) perform analysis and modeling for risk assessments; (f) monitor the account for this loan for potential delinquencies and determine any assistance that may be available to me; and (g) other actions permissible under applicable law.

This section asks questions about your (or your deceased spouse's) military service.

Military Service of Borrower

This section asks about your ethnicity, sex, and race

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

To Be Completed by Financial Institution (for application taken in person)

To be completed by your Loan Originator.