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 company is the Comptroller of the Currency Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.

We are required to disclose to you that you need not disclose income from alimony,child support or separate maintenance payment if you choose not to do so.

Having made this disclosure to you, we are permitted to inquire if any of the income shown on your application is derived from such a source and to consider the likelihood of consistent payment as we do with any income on which you are relying to qualify for the loan for which you are applying.

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Borrower Signature Date

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Co-Borrower Signature Date

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Property Address / City / State / Zip

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977
FAIR LENDING NOTICE

It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of:

1. Trends, characteristics of 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, 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 residence.
If you have any question about your rights, or if you wish to file a complaint, contact the management of the financial institution or the agency noted below:

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Borrower Signature Date

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Co-Borrower Signature Date

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Property Address / City / State / Zip

DISCLOSURE NOTICES

Affidavit of Occupancy: Applicant(s) hereby certify and acknowledge that, upon taking title to the real property described below, their occupancy status will be as follows:

[ ] Primary Residence – Occupied by Applicant(s) within 30 Days of Closing.
[ ] Second Home – To be occupied by Applicant(s) at least 15 days yearly, as a second home (vacation, etc.), while maintaining a principal residence elsewhere.
[ ] Investment Property – Not owner occupied. Purchased as an investment to be held or rented.

The Applicant(s) acknowledge it is a federal crime punishable by fine and/or imprisonment, to knowinglymake any false statement concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.

Fair Credit Reporting Act: An investigation will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any investigation will be furnished to you upon written request made within a reasonable period of time. In the event of credit denial due to an
unfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making such report and of your right to request within sixty (60) days, the reason for the adverse action, pursuant to provisions of section 615(b) of the Fair Credit Reporting Act.

USA Patriot Act Requirements, Notification to Customer: Pursuant to requirements of law, including the USA Patriot Act, all financial institutions are required to obtain information and take necessary actions to verify your identity.

Impound Account: Impounds are not always required with all lenders and programs. However, you may elect to have your Property Taxes and Insurance payments included in your monthly mortgage payment. The lender will set up an escrow account for you and pay the Taxes and Insurance when due.

[ ] I/We do not want to impound (LTV should be 80% or less)
[ ] Impound Taxes
[ ] Impound Insurance

Hazard Insurance: Borrower is required to select the agency to write the insurance covering the subject property.

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Insurance Company &  Agent

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Address & Phone

The Borrower(s) acknowledge having read the foregoing disclosures:

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 Borrower Signature Date

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 Co-Borrower Signature Date

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Property Address / City / State / Zip

CREDIT AUTHORIZATION AND CERTIFICATION

Sequoia Pacific Funding, Inc., Mortgage Broker for: ‘Lender’

Privacy Act Notice: The information you provided to Lender is to be used by the agency collecting it in determining whether you qualify as a prospective mortgagor for a mortgage, mortgage insurance or guaranty or as a borrower. It will not be disclosed outside the agency without your consent except to financial institutions for verification of your employment, assets, mortgage or rent as required and permitted by law. You do not have to give us this information, but, if you do not, your application for approval as a prospective mortgagor for a mortgage, mortgage insurance or guaranty may be delayed or rejected. This information request is authorized by Title 38, USC, Chapter 37, if VA, by 12 USC, Section 1701 et seq., if HUD/FHA, and by 42 USC, Section 1452b, if HUD/CPD.

The undersigned certify the following: I/We have applied for a mortgage loan from Lender. In applying for the loan, I/we completed a loan application containing various information regarding the purpose of the loan, employment, income, assets and liabilities. I/We hereby 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.

I/We understand and agree that Lender and its successors and/or assigns, reserves the right to reverify the information provided on the application with the employer and/or financial institution.

I/We fully understand that it is a Federal crime punishable by 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 1014.

Credit Authorization

To Whom It May Concern:

I/We have applied for a mortgage loan from Lender. As part of the application process, Lender, its successors and/or assigns, any investor or mortgage guaranty insurer, if any, that purchases the mortgage, 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. This authorization will be valid for as long as the loan remains unpaid.

I/We authorize you to provide to Lender, its successors and/or assigns, to any investor and mortgage guaranty insurer, if any, to whom Lender may sell my mortgage, any and all information and documentation that they may
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.

Lender or any investor that purchases the mortgage or the mortgage guaranty insurer, if any, its successors and/or assigns, may address this authorization to any party named in the loan application.

A copy of this authorization may be accepted as an original.

I/We hereby authorize the release of information concerning the status and disposition of my/our application to any real estate agent, real estate broker, third party vendor, escrow officer or closing agent involved in this transaction.

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Print Name SS#

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Print Name SS#

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Borrower Signature Date

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Co-Borrower Signature Date

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Property Address / City / State / Zip

MORTGAGE BROKER FEE DISCLOSURE

You have applied to a mortgage broker for a residential mortgage loan. The mortgage broker will submit your application for a residential mortgage loan to a lender with which the mortgage broker contracts upon such terms and conditions as you may request or a lender may require. This form supplements other disclosures or agreements required by law that you should receive from the mortgage broker concerning your loan application.

SECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan:
• The mortgage broker may act as an independent contractor and not as your agent. Communicate to your mortgage broker any uncertainties you may have about the nature of your relationship.
• The mortgage broker has entered into separate independent contractor agreements with various lenders.
• While the mortgage broker seeks to assist you in meeting your financial needs, it does not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or the best terms available in the market.

SECTION 2. OUR COMPENSATION. The lenders whose loan products are distributed by the mortgage broker generally provide their loan products to the mortgage broker at a wholesale rate.
• The retail price a mortgage broker offers you – your interest rate, total points and fees – will include the mortgage broker’s compensation.
• In some cases, either you or the lender may pay the mortgage broker all of its compensation.
• Alternatively, both you and the lender may pay the mortgage broker a portion of its compensation. For example, in some cases, if you would rather pay a lower interest rate, you may pay higher up-front points and fees.
• Also, in some cases, if you would rather pay less up front, you may be able to pay some or all of the mortgage broker’s compensation indirectly through a higher interest rate in which case the mortgage broker will be paid directly by the lender.
The mortgage broker may also be paid by the lender based on (i) the value of the Mortgage Loan or the related servicing rights in the market place or (ii) other services, goods, or facilities performed or provided by the mortgage broker to the lender.

By signing below, borrower(s) acknowledge receipt of a copy of this signed agreement.

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Borrower Signature Date

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Co-Borrower Signature Date

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Property Address / City / State / Zip