sure to SIGN and INITIAL each page where requested. · 8003 Duffield Lane Houston, TX 77071 Phone:...

Hello!!

I am so happy to hear that you are in the market to purchase a home. Buying a home will be one of the largest purchases of your life and I pledge to do ALL I can to make your home buying experience as smooth and stress free as possible. I would like to give you a heads up, I work all hours of the day and night! If you have preferential times that you would like to be contacted, please inform me of such and I will honor your request. As for me, if you have ANY questions related to loan products, the application process, or if you have any other concerns during this process, feel free to give me a call. I’ll do my best to ease your mind and keep you informed.

For your convenience, I have provided a list including MOST of the items needed to go all the way with your purchase loan. Without any further ado, let’s get started…

Items needed for EACH borrower will be:

1. The application and authorization forms attached must be filled out IN THEIR ENTIRETY. Please be sure to SIGN and INITIAL each page where requested. 2. Copy of applicant’s social security card and driver's license 3. Most recent two months bank statements and check stubs, to verify income and assets. Any deposits over the amount of $500 that are not a part of your regular wages will need a letter of explanation sourcing those funds. If retirement accounts will be used for assets, please provide a statement showing your vested interest in that account as well. 4. Last two years tax returns, w-2, and 1099 5. If you own any property, I will need a mortgage statement of account showing payment history for at least 12 months, escrow statement, last monthly statement, HOA statement of account, and declarations page for current hazard insurance. If your property is not escrowed or doesn't have an existing mortgage, please provide a copy of declarations page for insurance, HOA statement of account, and most recent years tax statements. 6. Letters of explanation for any late payments over the last 3 years and inquiries over last 90 days. I will inform you of such after credit is pulled. The letter addressing inquiries should address the creditor and show the results of the inquiry (i.e., a new account was established, or no new account was established) 7. Proof of payment arrangements made with any creditors and/or paid in full notices for any collections or recently paid off debts. 8. If seller has a survey available, please provide a copy. 9. Copy of executed purchase contract if applicable. 10. If you are renting, I will need a Verification of Rent completed. For your convenience, I have attached a VOR form. Please fill in contact information for the person who handles the verifications for your landlord on the VOR (i.e. name, phone number, email address).

11. A Verification of Employment (VOE) will have to be executed. Please enter your employers information in the space provided on the form, and I will also need the contact information (i.e. name, phone number, email address) for the person that handles the employment verifications for your company (if they are done in house). For your convenience, I have attached a copy of a VOE form. 12. Please do not have your credit pulled and/or open any new accounts from now until after your loan closes. This can change your credit profile and ratios which can affect your chances of getting loan approval and funding from lenders. Please don’t be fooled by the false statements made by the uninformed. Creditors will say, “Having your credit pulled again within thirty days will not hurt your scores”. YES IT CAN! PLEASE don’t let this happen to you.

FOR SELF EMPLOYED BORROWERS/CO-BORROWERS:

1. Copy of professional license. 2. Copy of dba/corporation docs showing you are the owner of said business. 3. If available, profit, loss, and balance sheet from January to current if no checks are being received.

The link below is to The Settlement Cost Booklet: http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/settlement-booklet-january-6- revised.pdf

The link below is to the Get A Home Inspection Disclosure, Privacy Policy, and the Mortgage Fraud Disclosure: http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/informative_disclosures_for_potential _applicants.pdf The link below is to Your Home Loan Toolkit: http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

The Settlement Cost Booklet, Your Home Loan Toolkit, Get A Home Inspection Disclosure, Privacy Policy, and the Mortgage Fraud Disclosure are for your informative purposes only and there is no need to print these documents unless you personally deem it necessary to do so. I would however, like to give you an alert regarding the “settlement cost booklet and the home loan toolkit.” Both are very large files, please view it before printing.

The following link is to the Informed Consumer Choice Disclosure, Important Notice to Homebuyers Disclosure, Acknowledgment of Settlement Cost Booklet, Notice of Penalties for Making False Statements, Servicing Disclosure, Borrowers Signature Authorization, Borrowers Certification and Authorization, Equal Credit and Opportunity Act, Texas Mortgage Company Disclosure, Acknowledgment of Home Loan Toolkit, and the Borrower’s Blanket Signature and Authorization: http://www.caffinancialservices.com/uploads/3/4/6/4/34645090/application_disclosures_to_be_signed_by_potential_applicants.pdf

The Informed Consumer Choice Disclosure, Important Notice to Homebuyers Disclosure, Acknowledgment of Settlement Cost Booklet, Acknowledgment of the Home Loan Toolkit, Notice of Penalties for Making False Statements, Servicing Disclosure, Borrowers Signature Authorization, Borrowers Certification and Authorization, Equal Credit and Opportunity Act, Texas Mortgage Company Disclosure, and the Borrower’s Blanket Signature and Authorization will need to be signed by each potential applicant in order to process your file and get the necessary verifications executed by our loan processor. Please sign and submit these forms using one of the two methods of submission mentioned below.

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/settlement-booklet-january-6-

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/settlement-booklet-january-6-

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/informative_disclosures_for_potential

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/informative_disclosures_for_potential

http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

http://www.caffinancialservices.com/uploads/3/4/6/4/34645090/application_disclosures_to_be_signed_by_potential_applicants.pdf

http://www.caffinancialservices.com/uploads/3/4/6/4/34645090/application_disclosures_to_be_signed_by_potential_applicants.pdf

All requested information can be sent to me directly via email to [email protected] or you can upload on our secure website at www.caffinancialservices.com. To upload your information simply go to our site, click MORE, then click UPLOAD, fill in the prompt and upload your documents. This will make it easy to assure that your file will be submitted expeditiously. Being able to submit your file to lenders in a timely manner is very important after executing a purchase contract. Once your purchase contract is executed, we will be on a strict time schedule.

As always, it is my goal to provide you with the best quality of service possible. To do so, I will NEED all requested documentation submitted in a timely manner!!

Thanks again for the opportunity to earn you patronage! I will be waiting on your response and the receipt of the requested information. In the interim, please remember that I am always here to help, and you can feel free to give me a call using the information provided below, or submit any questions

you may have via email or text message.

Conswella Fowler Call A Friend Financial Services, LLC 8003 Duffield Lane Houston, TX 77071 Email: [email protected] Office: (762) 333-2790 Originator NMLS ID# 1043458 Company NMLS ID: 1209057

You can find Housing Counselors near you by searching your zip code using the following:

http://www.consumerfinance.gov/find-a-housing-counselor. These agencies are approved by HUD and offer independent advice about whether a particular set of mortgage terms is a good fit based on your objectives and circumstances with little or no cost to you.

mailto:[email protected]

http://www.caffinancialservices.com/

mailto:[email protected]

8003 Duffield Lane Houston, TX 77071

Phone: 762-333-2790 fax: 855-378-0655

CREDIT CARD CHARGE AUTHORIZATION FORM

CLIENT(S) NAME:

CARDHOLDER NAME:

CREDIT CARD#:

V CODE # (3 or 4 digit number located on back of card):

CREDIT CARD TYPE: DISCOVER VISA MC AMEX

EXPIRA TION DATE:

CARDHOLDER’S ADDRESS:

AMOUNT OF CHARGE:Approximately $25, fee depends on # of potential borrowers

Name of Borrower # 1:

Social Security #: DOB:

Name of Borrower # 2:

Social Security #: DOB:

Subject Property Address:

BY SIGNING BELOW, I AM AUTHORIZING THE AMOUNT LISTED ABOVE TO BE CHARGED TO MY CREDIT CARD BY CALL A FRIEND FINANCIAL SERVICES, LLC TO RETRIEVE MY CREDIT REPORT IN ORDER TO PROCESS MY LOAN APPLICATION.

AUTHORIZED SIGNATURE:

Uniform Residential Loan Application Freddie Mac Form 65 7/05 (rev.6/09) Page 1 of 5 Fannie Mae Form 1003 7/05 (rev.6/09)

Uniform Residential Loan Application ___________________________________________________________________________________________________________________________________________________________________ This application is designed to be completed by the applicant(s) 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 checked) when the income or assets of a person other 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 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. If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

_________________________________________ _________________________________________ Borrower Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage Applied for:

VA Conventional Other (explain): FHA USDA/Rural

Housing Service

Agency Case Number Lender Case Number

Amount $

Interest Rate %

No. of Months Amortization Type: Fixed Rate GPM

Other (explain): ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOAN No. of Units Subject Property Address (street, city, state & ZIP)

Legal Description of Subject Property (attach description if necessary) Year Built

Purpose of Loan Purchase Construction Other (explain): Refinance Construction-Permanent

Property will be: Primary Residence Secondary Residence Investment

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. Year Acquired

Original Cost $

Amount Existing Liens $

Purpose of Refinance Describe Improvements Cost: $

made to be made

Estate will be held in: Fee Simple

Title will be held in what Name(s)

Manner in which Title will be held

Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) Leasehold (show

expiration date)

Borrower III. BORROWER INFORMATION Co-Borrower Borrower’s Name (include Jr. or Sr. if applicable)

Co-Borrower’s Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone (incl. area code)

DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code)

DOB (mm/dd/yyyy) Yrs. School

Dependents (not listed by Co-Borrower) Dependents (not listed by Borrower) Married Unmarried (include Separated single, divorced, widowed)

no. ages

Married Unmarried (include Separated single, divorced, widowed)

no. ages

Present Address (street, city, state, ZIP) Own Rent ____No. Yrs.

Present Address (street, city, state, ZIP) Own Rent ____No. Yrs.

Mailing Address, if different from Present Address

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP) Own Rent ____No. Yrs.

Former Address (street, city, state, ZIP) Own Rent ____No. Yrs.

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower Yrs. on this job Yrs. on this job Name & Address of Employer Self Employed

Yrs. employed in this line of work/profession

Name & Address of Employer Self Employed

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone (incl. area code) Position/Title/Type of Business

Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

________________Borrower Initials

________________Co-Borrower Initials

Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev. 6/09) Page 2 of 5 Fannie Mae Form 1003 7/05 (rev.6/09)

Borrower IV. EMPLOYMENT INFORMATION (cont’d) Co-Borrower

Dates (from – to) Dates (from – to) Name & Address of Employer Self Employed

Monthly Income $


Monthly Income $

Position/Title/Type of Business Business Phone (incl. area code)


Dates (from – to) Dates (from – to) Name & Address of Employer Self Employed

Monthly Income $


Monthly Income $



V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross

Monthly Income

Borrower

Co-Borrower

Total Combined Monthly Housing 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

Homeowner Assn. Dues Other (before completing, see the notice in “describe other income,” below)

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) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

B/C 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 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.

Completed Jointly Not Jointly

ASSETS

Description

Cash or Market Value

Cash deposit toward purchase held by:

$

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.

List checking and savings accounts below LIABILITIES Monthly Payment &

Months Left to Pay Unpaid Balance

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $

Acct. no. $ Acct. no.








VI. ASSETS AND LIABILITIES (cont’d)


Acct. no. $ Acct. no. Stocks & Bonds (Company name/ number & description)

$ Name and address of Company $ Payment/Months $

Acct. no. $ Name and address of Company $ Payment/Months $ Life insurance net cash value

Face amount: $

Subtotal Liquid Assets $

Real estate owned (enter market value from schedule of real estate owned)

$

Vested interest in retirement fund $ Net worth of business(es) owned (attach financial statement)

$ Acct. no.

$ Alimony/Child Support/Separate Maintenance Payments Owed to: $ Automobiles owned (make

and year)

$ Job-Related Expense (child care, union dues, etc.) $ Other Assets (itemize)

Total Monthly Payments $

$ Total Liabilities b. $ Total Assets a. $ Net Worth (a minus b) ►

Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)

Property Address (enter S if sold, PS if pending sale or 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

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

Borrower Co-Borrower a. Purchase price $ If you answer “Yes” to any questions a through i, please use continuation sheet for explanation. Yes No Yes No

b. Alterations, improvements, repairs a. Are there any outstanding judgments against you?

c. Land (if acquired separately) b. Have you been declared bankrupt within the past 7 years?

d. Refinance (incl. debts to be paid off) c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

e. Estimated prepaid items d. Are you a party to a lawsuit?

f. Estimated closing costs

g. PMI, MIP, Funding Fee

h. Discount (if Borrower will pay)

i. Total costs (add items a through h)

e. 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 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.)



IX. ACKNOWLEDGEMENT AND 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 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 tra nsferred with such notice as m ay be require d by law; (10) neither Lender nor i ts 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 s ignature, 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 Date Co-Borrower’s Signature Date X X

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 ho me mortgage disclosure laws . You are no t requ ired to furnish this in formation, bu t are en couraged to do so . Th e law p rovides t hat a le nder may not discriminate ei ther o n t he bas is of t his information, or on whether you choose to furnish it . If y ou furnish the information, p lease provide both ethnicity and race. Fo r race, you may check m ore 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.)

BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information Ethnicity: Hispanic or Latino Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino Race: American Indian or Asian Black or African American Race: American Indian or Asian Black or African American

Alaska Native Alaska Native Native Hawaiian or White Native Hawaiian or White Other Pacific Islander Other Pacific Islander

Sex: Female Male Sex: Female Male To be Completed by Loan Originator: This information was provided:

In a face-to-face interview In a telephone interview By the applicant and submitted by fax or mail By the applicant and submitted via e-mail or the Internet

Loan Originator’s Signature X Date Loan Originator’s Name (print or type)

Loan Originator Identifier

Loan Originator’s Phone Number (including area code)

Loan Origination Company’s Name

Loan Origination Company Identifier Loan Origination Company’s Address


VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

Borrower Co-Borrower j.

Subordinate financing

Yes No Yes No If you answer “Yes” to any question a through i, please use continuation sheet for explanation. f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?

k.

Borrower’s closing costs paid by Seller

g. Are you obligated to pay alimony, child support, or separate maintenance?

h. Is any part of the down payment borrowed? l.

Other Credits (explain)

i. Are you a co-maker or endorser on a note?

------------------------------------------------------- m. Loan amount (exclude PMI, MIP, Funding Fee financed)

j. Are you a U.S. citizen?

n. PMI, MIP, Funding Fee financed k. Are you a permanent resident alien?

o. Loan amount (add m & n)

l. Do you intend to occupy the property as your primary residence?

If Yes,” complete question m below.

p. Cash from/to Borrower (subtract j, k, l & o from i)

m. Have you had an ownership interest in a property in the last three years? (1) What type of property did you own—principal residence (PR), second home (SH), or investment property (IP)? (2) How did you hold title to the home— by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

12090578003 Duffield LaneHouston, TX 77071CAF Financial Services, LLC

(762) 333-2790


CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION

Borrower: Agency Case Number: Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B f or Borrower or C for Co-Borrower.

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 facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.

Borrower’s Signature X

Date Co-Borrower’s Signature X

Date

(Applicant) (Date) (Applicant) (Date)

EQUAL CREDIT OPPORTUNITY ACT

APPLICATION NO:

PROPERTY ADDRESS:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against creditapplicants on the basis of race, color, religion, national origin, sex, marital status, age (providedthe applicant has the capacity to enter into a binding contract); because all or part of theapplicant's income derives from any public assistance program; or because the applicant has ingood faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that

We are required to disclose to you that you need not disclose income from alimony, child supportor 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 onyour application is derived from such a source and to consider the likelihood of consistentpayment as we do with any income on which you are relying to qualify for the loan for which youare applying.

CALYX Form Ecoa.frm (11/11)

administers compliance with this law concerning this company is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Houston, Texas 77010

Call A Friend Financial Services, LLC NMLS# 1209057

Borrowers' Certification and Authorization

CERTIFICATION

The Undersigned certify the following:

1. I/We have applied for a mortgage loan through __________________________________. In applying

for the loan, I/We 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 the 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 ___________________________________________reserves the right to

change the mortgage loan review processes 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 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.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:

1. I/We have applied for a mortgage loan through ________________________________. As part of

the application process, _____________________________________ 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 ________________________________ and to any investor to

whom ___________________________________ may sell my mortgage, 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. ____________________________________ or any investor that purchases the mortgage may address

this authorization to any party named in the loan application.

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

Borrower Date

Co-Borrower Date

Calyx Form - borcera.frm (10/2013)


Call A Friend Financial Services, LLC







Borrower Signature Authorization

1. Borrower 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor underits program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not yourapplication for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stockholdings, and any other asset balances that are needed to process my mortgage loan application. I further authorizethe Lender/Broker to order a consumer credit report and verify other credit information, including past and presentmortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

Borrower Date

Part I - General Information

Part II - Borrower Authorization

Calyx Form - bsa.frm (10/2013)


8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790


Borrower Signature Authorization

1. Co-Borrower 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor underits program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not yourapplication for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stockholdings, and any other asset balances that are needed to process my mortgage loan application. I further authorizethe Lender/Broker to order a consumer credit report and verify other credit information, including past and presentmortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

Co-Borrower Date

Part I - General Information

Part II - Borrower Authorization

Calyx Form - bsa.frm (10/2013)


8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790


SERVICING DISCLOSURE STATEMENT

Originator: Date:

You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA)(12 U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law. This statement describeswhether the servicing for this loan may be transferred to a different loan servicer.

"Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sendingany monthly or annual statements, tracking account balances, and handling other aspects of your loan.You will be given advance notice before a transfer occurs.

We may assign, sell or transfer the servicing of your loan while the loan is outstanding.

We do not service mortgage loans of the type for which you applied. We intend to assign, sell, ortransfer the servicing of your mortgage loan before the first payment is due.

The loan for which you have applied will be serviced at this financial institution and we do not intendto sell, transfer, or assign the servicing of the loan.

Acknowledgment of Mortgage Loan Applicant(s)

I/We have read and understood the disclosure, and understand that the disclosure is a required part of themortgage application as evidenced by my/our signature(s) below;

Applicant Date Applicant Date

Calyx Form - sds.frm (11/11)

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOURMORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED.

x

TEXAS MORTGAGE COMPANY DISCLOSURE

Residential Mortgage Loan Originator:

NMLS ID:

Check ALL that apply

Duties and Nature of Relationship

Wewill submit your loan application to a participating lender which we mayfrom time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are actingas an independent contractor and not as your agent.

We will make your loan ourselves. In connection with this mortgage loan, we are acting as an independentcontractor and not as your agent.

We will be acting as follows:

How we will be compensated

The retail price we offer you - your interest rate, total points, and fees - will include our compensation. In some cases we may be paid all of our compensation by you or by the lender or investor

Our pricing for your loan is based upon:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINTED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV.

Applicant(s)

Signed:

Name:

Date:

Signed:

Name:

Date:

Residential Mortgage Loan Originator

Signed:

Name:

Date:

Calyx Form - TXMCD.frm (10/12)

Conswella Fowler

1043458

Conswella Fowler


BORROWER'S BLANKET SIGNATURE AUTHORIZATION

I hereby authorize to verify my past and present employment earnings records, bank accounts, stock holdings, and any other assets needed to process mymortgage loan application.

I further authorize to order a consumer credit report and verifyother credit information, including past and present mortgage references. It is understooda photocopy of this form will also serve as authorization.

The information the lender obtains is only to be used in the processing of my mortgage loanapplication.

Borrower Date

Co-Borrower Date

NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA has a right of access to financial records held by financial institutionsin connection with the consideration or administration of assistance to you. Financial recordsinvolving your transaction will be available to HUD/FHA without further notice or authorizationbut will not by disclosed or released by this institution to another Government Agency orDepartment without your consent except as required or permitted by law.

Calyx Form - bbsa.frm (05/02)




Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under itsprogram. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your applicationfor approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37(if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA).Instructions: Broker - Complete items 1 through 7. Have applicant complete item 8. Forward directly to employer, named in item 1.

Employer - Please complete either Part II or Part III as applicable. Complete Part IV and return directly to broker named in item 2.The form is to be transmitted directly to the broker and is not to be transmitted through the applicant or any other party.

1. To (Name and address of employer) 2. From (Name and address of broker)

I certify that this verification has been sent directly to the employer and has not passed through the hands of the applicant or any other interested party.

3. Signature of Broker 4. Title 5. Date 6. Broker's No. (Optional)

I have applied for a mortgage loan and stated that I am now or was formerly employed by you. My signature below authorizes verification of this information.

7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant

Request for Verification of Employment

9. Applicant's Date of Employment 10. Present Position 11. Probability of Continued Employment

12A. Current Gross Base Pay (Enter Amount and Check Period)

$

AnnualMonthlyWeekly

HourlyOther (Specify)

12B. Gross Earnings

Type Year To Date Past Year _____ Past Year _____Thru _____

Base Pay $ $ $

Overtime $ $ $

Commissions $ $ $

Bonus $ $ $

Total $ $ $

13. For Military Personnel OnlyPay GradeType Monthly Amount

Base Pay $Rations $

Flight orHazard $Clothing $

Quarters $Pro Pay $

Overseas orCombat $

Variable HousingAllowance $

14. If Overtime or Bonus is Applicable,Is Its Continuance Likely?

Overtime YesYes

NoNoBonus

15. If paid hourly-average hours per week

16. Date of applicant's next pay increase

17. Projected amount of next pay increase

18. Date of applicant's last pay increase

19. Amount of last pay increase

20. Remarks (if employee was off work for any length of time, please indicate time period and reason)

21. Date Hired

22. Date Terminated

23. Salary/Wage at Termination Per (Year)(Month)(Week)

Base Overtime Commissions Bonus24. Reason for Leaving 25. Position Held

26. Signature of Employer 27. Title (Please print or type) 28. Date

29. Print or type name signed in Item 26 30. Phone No.

Part I - Request

Part II - Verification of Present Employment

Part III - Verification of Previous Employments

Part IV - Authorized SignatureFederal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to influencethe issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA/FHA Commissioner, or the HUD/CPD Assistant Secretary.

Calyx Form - brkvoe.frm (11/07)

Loan Originator 1043458


Conswella Fowler

8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790


Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under itsprogram. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your applicationfor approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37(if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA).Instructions: Broker - Complete items 1 through 7. Have applicant complete item 8. Forward directly to employer, named in item 1.

Employer - Please complete either Part II or Part III as applicable. Complete Part IV and return directly to broker named in item 2.The form is to be transmitted directly to the broker and is not to be transmitted through the applicant or any other party.

1. To (Name and address of employer) 2. From (Name and address of broker)

I certify that this verification has been sent directly to the employer and has not passed through the hands of the applicant or any other interested party.

3. Signature of Broker 4. Title 5. Date 6. Broker's No. (Optional)

I have applied for a mortgage loan and stated that I am now or was formerly employed by you. My signature below authorizes verification of this information.

7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant

Request for Verification of Employment

9. Applicant's Date of Employment 10. Present Position 11. Probability of Continued Employment

12A. Current Gross Base Pay (Enter Amount and Check Period)

$

AnnualMonthlyWeekly

HourlyOther (Specify)

12B. Gross Earnings

Type Year To Date Past Year _____ Past Year _____Thru _____

Base Pay $ $ $

Overtime $ $ $

Commissions $ $ $

Bonus $ $ $

Total $ $ $

13. For Military Personnel OnlyPay GradeType Monthly Amount

Base Pay $Rations $

Flight orHazard $Clothing $

Quarters $Pro Pay $

Overseas orCombat $

Variable HousingAllowance $

14. If Overtime or Bonus is Applicable,Is Its Continuance Likely?

Overtime YesYes

NoNoBonus

15. If paid hourly-average hours per week

16. Date of applicant's next pay increase

17. Projected amount of next pay increase

18. Date of applicant's last pay increase

19. Amount of last pay increase

20. Remarks (if employee was off work for any length of time, please indicate time period and reason)

21. Date Hired

22. Date Terminated

23. Salary/Wage at Termination Per (Year)(Month)(Week)

Base Overtime Commissions Bonus24. Reason for Leaving 25. Position Held

26. Signature of Employer 27. Title (Please print or type) 28. Date

29. Print or type name signed in Item 26 30. Phone No.

Part I - Request

Part II - Verification of Present Employment

Part III - Verification of Previous Employments

Part IV - Authorized SignatureFederal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to influencethe issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA/FHA Commissioner, or the HUD/CPD Assistant Secretary.

Calyx Form - brkvoe.frm (11/07)



Conswella Fowler

8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790


REQUEST FOR VERIFICATION OF RENT OR MORTGAGE

PART I - REQUEST

PART II - TO BE COMPLETED BY LANDLORD/CREDITOR

X

X

We have received an application for a loan from the applicant listed below, to whom we understand you rent or have extended a loan.INSTRUCTIONS: BROKER - Complete items 1 thru 8. Have applicant(s) complete item 9. Forward directly to ??broker?? named in Item 1.

LANDLORD/CREDITOR - Please complete Part II as applicable. Sign and return directly to the broker named in Item 2.

1. TO (Name and address of Landlord/Creditor) 2. FROM (Name and address of broker)

3. SIGNATURE OF BROKER 4. TITLE 5. DATE 6. BROKER'S NUMBER

7. INFORMATION TO BE VERIFIED.PROPERTY ADDRESS ACCOUNT IN THE NAME OF: ACCOUNT NO.MORTGAGE

LAND CONTRACTRENTAL

8. NAME AND ADDRESS OF APPLICANT(S) 9. SIGNATURE OF APPLICANT(S)

RENTAL ACCOUNT MORTGAGE ACCOUNT LAND CONTRACT

Tenant has rented since

to

Date mortgage originated

Amount of rent $ per

Original mortgage amount $

Is rent in arrears? Yes No

Current mortgage balance $

Amount $ Period

Monthly Payment P & I only $

Number of times 30 days past due*

Payment with taxes & ins. $

Is account satisfactory? Yes No

Is mortgage current? Yes No

Is mortgage assumable? Yes No

Satisfactory account? Yes No

Interest rate

FIXED ARM

FHA VA

FNMA CONV

Next pay date

No of late payments*

Insurance agent:

* Number of times account has been 30 days overdue in last 12 months

ADDITIONAL INFORMATION WHICH MAY BE OF ASSISTANCE IN DETERMINING APPLICANT(S) CREDIT WORTHINESS

SIGNATURE OF CREDITOR TITLE DATE

PHONE NO.

The confidentiality of the information you have furnished will be preserved except where disclosure of this information is required by applicablelaw. The form is to be transmitted directly to the broker and is not to be transmitted through the applicant or any other party.

Calyx Form - brkvom.frm (11/07)

Conswella Fowler


8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790



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