Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants If this is an application for joint credit, Borrower and should complete this form as "Borrower" or "Co-Borrower," as applicable. Co-Borrower information must Co-Borrower each agree that we intend to apply for also be provided (and the appropriate box checked) when the income or assets of a person other joint credit (sign below): 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 Borrower considered because the spouse or other person has 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. Co-Borrower MortgageApplied for: VA FHA USDA/Rural Housing Service Amount Interest Rate No. of Months Amortization Type: Agency Case Number Lender Case Number Fixed Rate GPM Other (explain): ARM (type): I. TYPE OF MORTGAGE AND TERMS OF LOAN II. PROPERTY INFORMATION AND PURPOSE OF LOAN $ % No. of Units Year Built Subject Property Address (street, city, state & ZIP) Legal Description of Subject Property (attach description if necessary) Purpose of Loan Purchase Refinance Construction Construction-Permanent Other (explain): Property will be: PrimaryResidence SecondaryResidence Investment Other (explain):Conventional Complete this line if construction or construction-permanent loan. Year Lot Acquired 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. Amount Existing Liens $ Year Acquired Original Cost Purpose of Refinance Describe Improvements made to be made Cost: $ Estate will be held in: $ Leasehold (showexpiration date) Title will be held in what Name(s) Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) III. BORROWER INFORMATION Co-BorrowerBorrower Co-Borrower's Name (include Jr. or Sr. if applicable) Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by Borrower) Manner in which Title will be held Social Security Number Home Phone (incl. area code) Yrs. School Present Address (street, city, state, ZIP) Own Rent No. Yrs. Borrower's Name (include Jr. or Sr. if applicable) Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by Co-Borrower) Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Mailing Address, if different from Present Address Present Address (street, city, state, ZIP) Rent No. Yrs. Mailing Address, if different from Present Address no. ages no. ages Own DOB (mm/dd/yyyy) Fee Simple If residing at present address for less than two years, complete the following: IV. EMPLOYMENT INFORMATION Co-BorrowerBorrower Former Address (street, city, state, ZIP) Own Rent No. Yrs.Former Address (street, city, state, ZIP) Own Rent No. Yrs. Name & Address of Employer Position/Title/Type of Business Business Phone (incl. area code) Yrs. on this job Yrs. employed in this lineof work/profession Self EmployedName & Address of Employer Position/Title/Type of Business Business Phone (incl. area code) Yrs. on this job Yrs. employed in this lineof work/profession Self Employed 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 Position/Title/Type of Business Business Phone (incl. area code) Dates (from - to) Monthly Income Self Employed Name & Address of Employer Position/Title/Type of Business Business Phone (incl. area code) Dates (from - to) Monthly Income Self Employed $ Name & Address of Employer Business Phone (incl. area code) Dates (from - to) Monthly Income Self Employed $ Name & Address of Employer Position/Title/Type of Business Business Phone (incl. area code) Dates (from - to) Monthly Income Self Employed $ Position/Title/Type of Business $ Freddie Mac Form 65 7/05 Fannie Mae Form 1003 7/05 -21N (0507) Page 1 of 4 Initials: VMP Mortgage Solutions, Inc. (800)521-7291 Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05 Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05 V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income Borrower Co-Borrower Total Combined MonthlyHousing Expense Present Proposed Base Empl. Income* $ $ $ Rent $ Overtime First Mortgage (P&I) $ Bonuses Other Financing (P&I) Commissions Hazard Insurance Dividends/Interest Real Estate Taxes Net Rental Income Mortgage Insurance Other (before completing, see the notice in "describe other income," below) Homeowner Assn. Dues Other: 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) B/C or Co-Borrower (C) does not choose to have it considered for repaying this loan. Monthly Amount $ VI. ASSETS AND LIABILITIES This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities aresufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. Ifthe 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. 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 Life insurance net cash value Acct. no. $ Name and address of Bank, S&L, or Credit Union $ Name and address of Bank, S&L, or Credit Union Acct. no. Name and address of Bank, S&L, or Credit Union $ Stocks & Bonds (Company name/number& description) 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 Unpaid Balance $ Name and address of Company $ $ Name and address of Company $ $ Name and address of Company Acct. no. Acct. no. Name and address of Company Name and address of Company Acct. no. Alimony/Child Support/Separate MaintenancePayments Owed to: Name and address of Company Job-Related Expense (child care, union dues, etc.) Total Monthly Payments $ Acct. no. Name and address of Company Acct. no. Net Worth(a minus b)Total Assets a. Not JointlyJointlyCompleted Monthly Payment & Months Left to Pay $ Payment/Months $ Payment/Months $ Payment/Months $ Payment/Months $ Payment/Months $ $ $ Payment/Months $ Total Liabilities b. $ Payment/Months $ $ $ Acct. no. Acct. no. Acct. no. Acct. no. Initials: -21N (0507) Page 2 of 4 VI. ASSETS AND LIABILITIES (cont'd) Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending saleor R if rental being held for income) Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental Income Mortgage Payments Insurance, Maintenance, Taxes & Misc. Net Rental 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 Do you intend to occupy the property as your primaryresidence? If "Yes," complete question m below. IX. ACKNOWLEDGEMENT AND AGREEMENT VIII. DECLARATIONSVII. DETAILS OF TRANSACTION Purchase price Alterations, improvements, repairs a. Land (if acquired separately) Refinance (incl. debts to be paid off) Estimated prepaid items Estimated closing costs PMI, MIP, Funding Fee Discount (if Borrower will pay) Cash from/to Borrower (subtract j, k, l & o from i) p. Subordinate financing Loan amount (add m & n) Total costs (add items a through h) b. c. d. e. f. g. h. i. j. k. l. $ Borrower's closing costs paid by Seller Are there any outstanding judgments against you? Have you been declared bankrupt within the past 7 years? m. n. o. PMI, MIP, Funding Fee financed Other Credits (explain) Loan amount (exclude PMI, MIP, Funding Fee financed) Have you had property foreclosed upon or given title or deed inlieu thereof in the last 7 years? Are you a party to a lawsuit? provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.) 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 such loans as homemortgage loans, SBA loans, home improvement loans, educational loans, manufactured(mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," Are you obligated to pay alimony, child support, or separatemaintenance? Is any part of the down payment borrowed? Are you a co-maker or endorser on a note? a. b. c. d. e. f. g. h. i. Are you a permanent resident alien? j. l. k. If you answer "Yes" to any questions a through i, pleaseuse continuation sheet for explanation. Borrower Co-Borrower Yes No NoYes Are you presently delinquent or in default on any Federal debt orany other loan, mortgage, financial obligation, bond, or loanguarantee? If "Yes," give details as described in the precedingquestion. Are you a U.S. citizen? m. Have you had an ownership interest in a property in the lastthree years? (1) What type of property did you own - - principal residence(PR), second home (SH), or investment property (IP)? How did you hold title to the home - - solely by yourself (S), jointly with your spouse (SP), or jointly with another person(O)? (2) 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 servicers, 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 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. Borrower's Signature X Date Co-Borrower's Signature X Date X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES 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 credit opportunity, 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 may not 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, you may 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 visual observation 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.) CO-BORROWERBORROWER White Black or African American Female Asian Male Race: Sex: I do not wish to furnish this information. Not Hispanic or Latino White Black or African American I do not wish to furnish this information. Hispanic or Latino Female Native Hawaiian or Other Pacific Islander Asian Male Not Hispanic or Latino Ethnicity: American Indian or Alaska Native Hispanic or Latino Native Hawaiian or Other Pacific Islander American Indian or Alaska Native Sex: Ethnicity: Race: Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05-21N (0507) Page 3 of 4 Name and Address of Interviewer's Employer Face-to-face interview Mail Internet To be Completed by Interviewer This application was taken by: Interviewer's Name (print or type) Interviewer's Signature Interviewer's Phone Number (incl. area code) Date Telephone Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05 Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05 CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION Use this continuation sheet if you need more space tocomplete the Residential LoanApplication. Mark B for Borrower or C for Co-Borrower. 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 factsas applicable under the provisions of Title 18, United States Code, Section 1001, et seq. Borrower's Signature: Date Co-Borrower's Signature: Date X -21N (0507) Page 4 of 4