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Please Read Carefully:

We take our client’s financial information privacy very seriously. During the course of processing your application and it’s submission to our lenders, we may accumulate non-public information from you and from other sources about your income, assets, and your credit history in order to allow a lender to make an informed decision as to granting you credit. We restrict access to NON Public personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards which comply with Federal regulations to guard your NON Public personal Information.

We collect NON Public information about you from the following sources: (i) Information we receive from you on other forms (ii) Information about your transactions with us, our Affiliates, or Others; and (iii) Information we collect from a consumer credit reporting agency.

I Agree With The Following:

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 as well as acknowledges that (1) the information provided in this application is TRUE and 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(s)  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(s) or imprisonment or both under provisions of Title 18, United States Code, Sec 1001,  et seq; (2) the loan requested pursuant to this application; (3) the property will not be used for any illegal or prohibitive purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; the property will be occupied as indicated in this application; (6) the Lender, it’s Servicer, 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 re-verify 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.