Processing Submission Form Loan Borrower s

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					                                                          Processing Submission Form

   Loan                                                                                             Borrower(s) E-
                                                        Borrower(s):
   Officer:                                                                                         mail:
                                                                                                    Purchase
   Phone:                                               Subject
                                                                                                    Expiration:
                                                        Property:
   Email:                                                                                           Lock Expiration:

                                                          Items Needed for Submission
  Processing Submission Form              Rate Sheet & Lock Confirmation                E-mailed Point file               AUS – DU/LP/Lender Specific
  1003, GFE, TIL, Initial Disc., 4506-T, Proof of Disc.     Credit                      Income              Assets               Purchase Agreement
                                                               Borrower Information
          Borrower(s):
    Borrower(s) E-mail:
      Subject Property:

                                                                  Loan Information
 Transaction Type:        Purchase         Refinance                                          Impounds:             Yes   No
   Purchase Price:                                                                       P&S Expiration:
       Loan Type:         Conv             Fixed           FHA           VA            Est. Closing Date:
                                                                                             st
        Doc Type:         Full             Streamline                                       1 Payment:
      Occupancy:          OO               Investment

                                 Loan Details                                                               Lender Information
                           st                      nd
                          1 Mortgage            2 Mortgage                              Lender:
   Loan Amount(s):                                                               AE Contact:
      Interest Rate:                                                        LO Lender Login:
      YSP / Rebate:                                                      ARC / Credit Login:
              Term:                                                     Uploaded (AU / DU):
    Origination Fee:                                                      AE Phone / E-mail:
     Loan Number:                                                      LO Lender Password:
           Program:                                                   ARC / Credit Password:
       Rate Locked:                                                     Uploaded (AU / DU):
    Rate Expiration:                                                      AE Phone / E-mail:

                                                               Processing Information
                                             *** If Vendor is not specified then preferred vendor will be used***
        LO Ordered                   Processor to Order                    Vendor                         Vendor Phone                  Vendor Email
  Title                             Title
  Escrow                            Escrow
  Payoff’s                          Payoff’s
  Appraisal                         Appraisal
  Insurance                         Insurance
  Disclosures                       Disclosures

Comments:




                                     PLEASE EMAIL THE COMPLETED FORM TO: processing@LnLoans.com
                                                      OR FAX IT TO: 206-254-9291




                                                                                                                                  7/10/09
              TEXAS STATE PACKAGE

Customer Documentation Needed For Home Financing
 1. ___ FULLY COMPLETED Loan Application

 2. ___ List of all debts & assets – name, address, account number, balance, and minimum payment for each.
     (This information will go on page 2 of the above application)

 3. ___ Copies of W-2’s for last two years for each employed borrower.

 4. ___ Copies of Tax returns copies, required for self-employed borrowers and for rental property.

 5. ___ Copies of two most recent paycheck stubs for each person.

 6. ___ Copies of two months of most recent primary checking account statements.

 7. ___Copies of Account statements (most recent) for any investment accounts. (IRA’s, CD’s, 401K’s, Bonds,
     etc.)

 8. ___ Homeowner’s insurance information – Name of Insurance Co., agent’s name, address, phone number,
     and policy number. Also, the FAX NUMBER is required.

 9. ___ Current mortgage holder – name, address, phone number, and account number, balance, and payment.
     (Usually a copy of statement will do) for each Lender

 10. ___Copy of Valid Drivers License, Passport, Green Card, or valid citizenship document.

 11. ___ OTHER:

 Important: Please continue to make scheduled payments on all debt, including mortgage payment, until after
 signing and funds are released.

 Note: If there are questions, please ask. Getting the correct information will ensure timely processing of your loan
 and will eliminate confusion or delays. Thank you and we look forward to serving you!

 Sincerely,


 The Loan Network Team




                                                                                               7/10/09
                                                 Loan Network, LLC
                                   Texas Entity License # 82097 Registration #81873
                                                 14950 Belvoir Street
                                               Channelview, TX 77530
                                      Phone (206) 254-9292 Fax (206) 254-9291

                                              AFFIDAVIT BY BORROWER
While signing each form individually only acknowledges that you have received the forms, we at Loan Network, LLC understand that
some people are reluctant to sign something they have not had an opportunity to thoroughly review and digest. By signing this
agreement you are only acknowledging that you received the forms and this does not imply you have read or considered them. We are
required by State and Federal Law to be able to demonstrate we have provided these forms to you.

I/We,                                                                          ,acknowledge, under penalty of perjury, that
I/we have received the following disclosures on                            .


       Initial Good Faith Estimate
       Initial Truth In Lending
       Affidavit By Borrower
       Form A – Conditional Qualification Letter
       Form B – Conditional Approval Letter
       Mortgage Broker/Loan Officer Disclosure
       Mortgage Fraud Disclosure
       Occupancy Certification
       Other Disclosures
       Borrower Cert/Auth
       Mortgage Loan Origination Agreement
       HVCC Appraisal Notification/Privacy Policy Disclosure
       Equal Credit Opportunity Act Disclosure
       Servicing Disclosure Statement
       USA Patriot Act Information Disclosure
       Prepayment Penalty Disclosure/Generic Arm Disclosure
       Homeowners Insurance
       Credit Score Information Disclosure
       4506T
       A HUD Guide to “Mortgage Settlement Cost Booklet” (required for Purchases only)
       “Consumer Handbook on Adjustable Rate Mortgages (required for all Adjustable Rate Mortgages)
       “What You Should Know about Home Equity Lines of Credit” (Required for all HELOCs)




Borrower’s Signature                               Borrower’s Printed Name                                 Date



Co-Borrower’s Signature                            Co-Borrower’s Printed Name                              Date




                                                                                                              7/10/09
                                                                 Form A
                                                     Conditional Qualification Letter

Date:

Prospective Applicant:

Mortgage Broker or Loan Officer:

License Number _______________

Address ______________________

Phone # ______________________

Loan (describe as follows):

Loan Amount:

Qualifying Interest Rate:

Term:

Maximum Loan-to-Value Ratio:

Loan Type and Description:

Mortgage Broker  has  has not received a signed application for the Loan from the Prospective Applicant

Mortgage Broker  has  has not reviewed the Prospective Applicant's credit report

Mortgage Broker  has  has not reviewed the Prospective Applicant's credit score

Mortgage Broker has reviewed the following additional items (list):

The Prospective Applicant has provided the Mortgage Broker  verbally  in writing with information about the Prospective Applicant:

          Income                         ____Yes ____No ____Not Applicable

          Available cash                 ____Yes ____No ____Not Applicable
          for down payment
          and payment of
          closing costs

          Debts                          ____Yes ____No ____Not Applicable

          Assets                         ____Yes ____No ____Not Applicable

Based on the information that the Prospective Applicant has provided to the Mortgage Broker, as described above, the Mortgage Broker has
determined that the Prospective Applicant is eligible and qualified to meet the financial requirements of the Loan.

This is not an approval for the Loan. Approval of the Loan requires: (1) the Mortgage Broker to verify the information that the Prospective
Applicant has provided; (2) the Prospective Applicant's financial status and credit report to remain substantially the same until the Loan closes; (3)
the collateral for the Loan (the subject property) to satisfy the lender's requirements (for example, appraisal, title, survey, condition, and insurance);
(4) the Loan, as described, to remain available in the market; (5) the Prospective Applicant to execute loan documents the lender requires, and (6) the
following additional items (list):



Signature of Loan Network, LLC                               Printed Loan Network, LLC Representative                      Date
Representative




                                                                                                                              7/10/09
                                                                       Form B
                                                              Conditional Approval Letter
Date:

Applicant:

Mortgage Broker or Loan Officer:

License Number ________________

Address _______________________

Phone # _______________________

Loan (describe as follows):

Loan Amount:

Interest Rate:

Interest Rate Lock Expires (if applicable):

Maximum Loan-to-Value Ratio:

Loan Type and Program:

Secondary financing terms (if applicable):

Optional Information:                   Points:
                                        Origination: __________
                                        Discount: ____________
                                        Commitment: ________
                                        Other (describe): _______



Subject Property:

Mortgage Broker has received a signed application from the Applicant.

Mortgage Broker has:

           Reviewed applicant’s ____Yes                  ____Not Applicable
           credit report and
           credit score

           Verified applicant’s               ____Yes               ____Not Applicable
           income

           Verified applicant’s               ____Yes               ____Not Applicable
           available cash for
           down payment and
           closing costs

           Reviewed applicant’s ____Yes                ____Not Applicable
           debts and other assets Applicant is approved for the Loan provided that the Applicant's creditworthiness and financial position do not materially change
           prior to closing and provided that:

           1.           The Subject Property is appraised for an amount not less than $________
           2.           The Lender does not object to encumbrances to title shown in the title commitment or survey;
           3.           The Subject Property's condition meets Lender's requirements
           4.           The Subject Property is insured in accordance with Lender's requirements;
           5.           The Applicant executes the loan documents Lender requires; and
           6.           The following additional conditions are complied with (list):

This Conditional Approval expires on __________________.




Signature of Loan Network, LLC                                      Printed Loan Network, LLC Representative                          Date
Representative




                                                                                                                                          7/10/09
                                MORTGAGE BROKER/LOAN OFFICER DISCLOSURE

Mortgage Broker or Loan Officer:_____________________

License Number:___________________________________

The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be
compensated as a Mortgage Broker or Loan Officer. This disclosure is a requirement of the Texas Mortgage Broker License Act.

Since I may be working for a company, references to “we” or “us” refer to me and any company for which I am working.

Check ALL that apply

Duties and Nature of Relationship
You, the applicant(s), have applied with us for a residential mortgage loan.

 We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you
may request or a lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as
your agent. We will enter into separate independent contractor agreements with various lenders. While we will seek to assist you in
meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the
lowest or best terms available in the market.

 In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will make your loan
ourselves. We may either sell the loan to an investor or retain it. (You will receive a separate disclosure as to how we will handle
servicing rights on any such loan.) We have a number of established independent contractor relationships with various investors to
whom we sell closed loans. We are not an agent for any such investor in connection with the sale of a loan. While we will seek to
assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market.

 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 or part of our compensation by you or by the lender or investor. Alternatively, we may be paid a portion of our compensation
by both you and the lender. 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 a higher rate, in which case some or
all of my compensation will be paid by the lender. We also may be paid by the lender based on other goods, services, or facilities
performed or provided by us to the lender.

 Our pricing for your loan is based upon current wholesale options available to us in the secondary market where closed loans are
sold. Fees charged directly to you by us may vary depending on the type of loan for which you have applied.

At the time of this disclosure, we are receiving $_____ in fees. The services which these fees are being charged include the following:

 Application fee $___________

 Processing fee $___________

 Appraisal fee $___________

 Credit report fee $___________

 Automated underwriting fee $___________

Other (list):
___________________ $___________
___________________ $___________

Of this amount, $_______ is not refundable unless the amount is required to be refunded under applicable state or federal law upon the exercise of a
right of rescission (such as the Truth in Lending Act, 15 U.S.C. §1600, et seq. and Regulation Z , 12 C.F.R. Part 226 or the provisions of the Home
Equity provisions of the Texas Constitution, Article XVI, Section 50.




                                                                                                                         7/10/09
The estimated fees which we will charge will be as shown on the good faith estimate which we are providing to you now or which we will provide
you within three (3) days in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations.

___________________________________________ IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS
SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER
WISHING TO FILE A COMPLAINT AGAINST __________________________________________________________ SHOULD COMPLETE,
SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR,
SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE
DEPARTMENT’S WEB SITE LOCATED AT http://www.sml.state.tx.us OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY
MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512)
475-1360, OR BY E-MAIL AT SMLINFO@SML.STATE.TX.US.

THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF
JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST
ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE
INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT
ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.




Borrower’s Signature                                    Borrower’s Printed Name                                  Date


Co-Borrower’s Signature                                 Co-Borrower’s Printed Name                               Date




                                                                                                                    7/10/09
                                  MORTGAGE FRAUD IS
                                INVESTIGATED BY THE FBI




Mortgage Fraud is investigated by the Federal Bureau of Investigation and is punishable by up to 30
years in federal prison or $1,000,000 fine, or both. It is illegal for a person to make any false statement
regarding income, assets, debt, or matters of identification, or to willfully overvalue any land or property,
in a loan and credit application for the purpose of influencing in any way the action of a financial
institution.

Some of the applicable Federal criminal statutes which may be charged in connection with Mortgage Fraud include:

          18 U.S.C. § 1001 - Statements or entries generally
          18 U.S.C. § 1010 - HUD and Federal Housing Administration Transactions
          18 U.S.C. § 1014 - Loan and credit applications generally
          18 U.S.C. § 1028 - Fraud and related activity in connection with identification documents
          18 U.S.C. § 1341 - Frauds and swindles by Mail
          18 U.S.C. § 1342 - Fictitious name or address
          18 U.S.C. § 1343 - Fraud by wire
          18 U.S.C. § 1344 - Bank Fraud 42 U.S.C. § 408(a) - False Social Security Number


Unauthorized use of the FBI seal, name, and initials is subject to prosecution under Sections 701, 709, and 712 of Title 18 of the United States Code. This
advisement may not be changed or altered without the specific written consent of the Federal Bureau of Investigation, and is not an endorsement of any product or
service.




____________________________________                                       _____________________________________
Borrower’s Signature      Date                                             Co-Borrower’s Signature      Date




                                                                                                                                     7/10/09
                                                 LOAN NETWORK, LLC
                                              OCCUPANCY CERTIFICATION

I REPRESENT, WARRANT AND ACKNOWLEDGE THAT:

The loan for which I have applied specifically requires that I occupy the property that I am purchasing or refinancing with the
proceeds of this loan, as my primary residence. I understand that the eligibility criteria for Loan Approval, including but not
limited to the amount of the required down payment, could be materially different if I were to reside elsewhere and instead rent
the Property to others as an investment. Accordingly, I will move into the Property within 60 days after the loan settlement and
continue to occupy the property thereafter as my primary residence for 12 months.

         Any and all information that I provided to the Lender in connection with this loan (i) is true, accurate and complete in
all material respects and (ii) does not contain an untrue statement of material fact or omit to state a material fact necessary to
make the statement contained therein not misleading.

          Lender specifically relied on these representations and warranties in determining to make the loan to me and possibly
selling the loan in the secondary market. In the event (i) I fail to occupy the property as my primary residence in the manner
described above or (ii) any representation, warranty, information of statement made or provided by me to the lender proves to be
materially untrue or materially misleading, then in accordance with the terms of the mortgage, deed of trust or other security that
I will execute, lender may declare a default under the loan, require immediate payment in full of all outstanding sums and pursue
any other remedies permitted thereunder.

Please circle Y (yes) or N (no) to the below questions:

Y/N     Is there a possibility you may change the billing address within the next twelve months?

Y/N       Is there any reason to believe you may not open utility accounts for personal use at the subject property (phone, garbage,
cable, etc) within the next 45 days?

Y/N      Have you applied for a mortgage loan on another property in the last 90 days?

Y/N      Is there a possibility you may apply to purchase another property in the next twelve months?

Y/N       Would you be opposed if the mortgage servicer were to request a verification of occupancy of the subject property 60 days
after subject property transaction closes?

I certify the above are true and correct to the best of my knowledge.



Borrower’s Signature                                   Borrower’s Printed Name                                 Date



Co-Borrower’s Signature                                Co-Borrower’s Printed Name                              Date




                                                                                                                 7/10/09
                                                          LOAN NETWORK, LLC
                                                          OTHER DISCLOSURES

Funds to be Held in Trust
Loan Network, LLC will not accept funds from you for payment of third party provider services (such as appraisals). There is no need, therefore,
for Loan Network, LLC to deposit any such funds into a trust account. You must pay all third party provisions directly. The third party providers are
obligated to refund to you any money remaining after they are fully paid.

Loan Network, LLC has not requested funds for payment of third parties.


Certain Reports Available
If you are unable to obtain a loan for any reason, we will, within five (5) days of written request by you, give copies to you of any appraisal, title
report or credit report paid for by you, and transmit the original appraisal, title report or credit report to any other mortgage broker or lender to whom
you direct. Transmission of these reports includes the rights to use these reports, although in certain cases a new appraisal may be required.

You may send such written request to:

Loan Network, LLC
1600 Lind Ave SW, Suite 180
Renton, WA 98057

Change of status
It is hereby agreed by the undersigned borrower(s) that should any change occur in my/our employment, credit, and/or financial status
prior to a firm commitment being issued by any lender, Loan Network, LLC, or any of its investors, that I/We shall notify Loan
Network, LLC in a timely manner.

Authorization to release funds
In reference to the property listed above, I/we the undersigned borrower(s) hereby authorize Loan Network, LLC to order an appraisal
and a title report on the above referenced property. I/we also authorize Loan Network, LLC to order a credit report from a credit
bureau of their choice utilizing the information submitted to them on the credit application which has been signed by me/us. I/we
authorize Loan Network, LLC to present any and all application or property information to appropriate persons necessary for loan
approval and hold them harmless from doing so.

In the event the loan is canceled by either borrower(s), or declined by Loan Network, LLC, the undersigned understand and agree to
pay for the actual amount of the billing for costs incurred, including but not limited to, appraisal, title report cancellation fee, credit
report, document preparation, loan processing and other normal costs expended upon behalf of the borrower(s). Borrower(s) agree to
reimburse Loan Network, LLC for any costs in excess of the deposit upon billing. Should any dispute arise from this agreement, the
prevailing party shall be entitled to reasonable attorney fees.


I/We hereby authorize the holder of any earnest monies or deposit which is pertinent to this loan application to release those funds
necessary to complete payment for the above charges as stipulated by Loan Network, LLC.

I/We have read and understand the above and have received a copy.




Borrower's Signature                               Date                   Co-Borrower's Signature                           Date




                                                                                                                               7/10/09
                                        LOAN NETWORK, LLC
                             BORROWER’S CERTIFICATION & AUTHORIZATION
    The undersigned hereby certify the following:

    1.   I/We applied for a mortgage loan from Loan Network, LLC. In applying for that 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
         misrepresentation in the loan application or other documents, nor did I/we omit any pertinent information.
    2.   I/We understand and agree that Loan Network, LLC reserves the right to change the mortgage loan review process to a full
         documentation program. This may include verifying the information provided on the application with the employer and/or
         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, Unites States Code, and Section
         1014.


                                 AUTHORIZATION TO RELEASE INFORMATION
To Whom It May Concern:

    1.   I/We have applied for a mortgage loan from Loan Network, LLC. As part of the application process, Loan Network, LLC 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 their quality control program.
    2.   I/We authorize you to provide Loan Network, LLC and to any investor to whom Loan Network, LLC may sell my/our
         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 balance(s), credit history and copies of income tax
         returns.
    3.   Loan Network, LLC or any investor that purchases the mortgage may forward this authorization to any party named in the
         loan application and all such parties may rely on this authorization.
    4.   A copy of this authorization may be accepted as an original.

I/We hereby certify that on                       I/we issued verbal authorization for Loan Network, LLC to obtain a
consumer credit report and my/our consumer credit report(s) was/were obtained by Loan Network, LLC on                .

I/We understand and agree to the terms of this Certification and Authorization:




Borrower’s Signature                                  Borrower’s Printed Name                                Date



Co-Borrower’s Signature                               Co-Borrower’s Printed Name                             Date




                                                                                                                7/10/09
                                         LOAN NETWORK, LLC
                                 MORTGAGE LOAN ORIGINATION AGREEMENT
You, the applicant(s) agree to enter into this Mortgage Loan Origination Agreement with Loan Network, LLC as an independent
contractor to apply for a residential mortgage loan from a participating lender with which we from time to time contract upon such
terms and conditions as you may request or a lender may require. You inquired into mortgage financing with Loan Network, LLC on
________________.

SECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan:

        We are acting as an independent contractor and not as your agent.
        We will enter into separate independent contractor agreements with various lenders.
        While we seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in
         the market and cannot guarantee the lowest price or best terms available in the market.
        Loan applications are processed on a best efforts basis and Loan Network, LLC can make no warranties or guaranties that
         your loan will close or when.

SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at
a wholesale rate.

        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 either you or the lender.
        Alternatively, we may be paid a portion of our compensation by both you and the lender. For example, in some cases, if you
         would rather pay a lower interest rate, you may pay higher up-front points and fees.
        Also, if you would rather pay fewer fees up-front, you may be able to pay some or all of our compensation indirectly through
         a higher interest rate in which case we will be paid directly by the lender. This form of compensation is commonly referred
         to as “yield spread premium” and may not exceed four percent of your loan amount.

We may also be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii)
other services, goods or facilities performed by us to the lender.

By signing below, applicant(s) certify they have read and understand this disclosure, and hereby acknowledge receipt of a copy of this
signed Agreement.



Borrower’s Signature                                   Borrower’s Printed Name                                 Date


Co-Borrower’s Signature                                Co-Borrower’s Printed Name                              Date


Signature of Loan Network, LLC                         Printed Loan Network, LLC Representative                Date
Representative




                                                                                                                 7/10/09
                                           LOAN NETWORK, LLC
                              APPRAISAL NOTIFICATION AND ACKNOWLEDGMENT
Pursuant to the Home Valuation Code of Conduct (“HVCC”) adopted by the Federal National Mortgage Association (“FNMA”) and Federal Home
Loan Mortgage Corporation (“FHLMC”), effective May 1, 2009, you are entitled to receive a copy of the appraisal report concerning the property
subject to your loan transaction.

Please select the appropriate option below by placing an “X” on the line in front of the statement.

_________ The undersigned borrower(s) hereby acknowledge that he/she/they received the appraisal report at least three (3) days prior to the closing
of the loan.
_________ The undersigned borrower(s) hereby waive their right to receive a copy of their appraisal report prior to closing, but reserve all other
rights they have to receive the appraisal pursuant to the Equal Credit Opportunity Act.

                                                        PRIVACY POLICY DISCLOSURE

We respect your privacy. Privacy is fundamental to the American way of life. When you provide personal information in order to process your
transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential. We respect your right to confidentiality
and take every possible measure to ensure that your personal information remains personal. In short, we work hard to earn your confidence and
preserve your trust. We value your business and hope you will remain with us for many years to come. This privacy disclosure is being issued to
comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.

                                       CATEGORIES OF INFORMATION THAT WE MAY COLLECT
We collect non-public personal information about you from the following sources:
         Information we receive from you on application or other forms such as your name, address, social security number, assets and income.
         Information about your transactions with us, our affiliates, or others, such as your account balance, payment history and parties to
          transactions.
         Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.

                                        NON-PUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose non-public personal information we collect as described above with our affiliates.

                                                      CONFIDENTIALITY AND SECURITY
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or
services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public
information.

I/We have read and understand this Privacy Policy Disclosure:




Borrower’s Signature                                         Borrower’s Printed Name                                    Date



Co-Borrower’s Signature                                      Co-Borrower’s Printed Name                                 Date




                                                                                                                           7/10/09
                                       LOAN NETWORK, LLC
                         EQUAL CREDIT OPPORTUNITY ACT DISCLOSURE (ECOA)

    The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applications on the basis of race,
    color, religion, national origin, sex, marital status, age (provided that the applicant(s) has the capacity to enter into a binding
    contract): or because all or part of the applicant(s)’ income is derived from any public assistance program: or because the
    applicant(s) has in good faith exercised any right under the Consumer Credit Protection Act.

    The federal agency that administrates compliance with the law concerning this creditor is the Federal Home Loan Bank Board,
    600 California Street, P.O. Box 7948, San Francisco, CA 94120.

    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.

                     NOTICE OF RIGHT TO RECEIVE COPY OF APPRAISAL REPORT

The following notice is being provided to you as an Applicant for credit secured by a lien on a dwelling. This notice states your right
under federal law to receive a copy of any appraisal report that may have been obtained on the property offered as collateral.

You have the right to a copy of the appraisal report used in connection with your application for credit. If you wish a copy, please
write to us at the mailing address we have provided. We must hear from you no later than 90 days after we notify you about the action
taken on your credit application or you withdraw your application.

In your letter, please provide: Name, address, phone, Email, date of application and name of the Loan Network, LLC loan officer that
was assisting you. Send your request to the following address:

                                                           Loan Network
                                                         1600 Lind Ave #180
                                                         Renton WA 98057

If we incurred costs in obtaining the appraisal report you may be required to reimburse us for these costs before we send you a copy of
the report.



    ACKNOWLEDGEMENT OF RECEIPT:

    I/We received a copy of this notice.




Borrower’s Signature                                  Borrower’s Printed Name                                 Date



Co-Borrower’s Signature                               Co-Borrower’s Printed Name                              Date




                                                                                                                7/10/09
                                                  LOAN NETWORK, LLC
                                            SERVICING DISCLOSURE STATEMENT
    NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE
    TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RIGHTS. READ THIS STATEMENT AND SIGN IT ONLY IF YOU
    UNDERSTAND ITS CONTENTS.

    Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. &2601 et seq.) you
    have certain rights under that Federal law. This statement tells you about those rights. It also tells you what the chances are that the servicing
    for this loan may be transferred to a different loan servicer. “Servicing” refers to collecting your principal, interest and escrow account
    payments. If your loan servicer changes, there are certain procedures that must be followed. This statement generally explains those
    procedures.

    Transfer Practices and Requirements
    If the servicing of your loan is assigned, sold or transferred to a new servicer, you must be given written notice to that transfer. The present loan
    servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the date of the transfer.
    Also, a notice of prospective transfer may be provided to you at settlement (when title to your new property is transferred to you) to satisfy these
    requirements. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you under certain limited
    circumstances, when your servicer is changed abruptly. This exception applies only if your servicer is fired for cause, is in bankruptcy
    proceedings or is involved in a conservatorship or receivership initiated by a Federal Agency.

    Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer,
    the name, address and toll-free or collect call telephone number of the new servicer, and toll-free or collect call telephone numbers of a person
    or department for both your present servicer and your new servicer to answer your questions about the transfer of servicing. During the 60-day
    period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not
    be treated by the new loan servicer as late and a late fee may not be imposed on you.

    Complaint Resolution:
    Section 6 of RESPA (12 U.S.C._2605) gives you certain consumer rights, whether or not your loan servicing is transferred. If you send a
    “qualified written request” to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written
    acknowledgement within 20 business days of receipt of your request. A “qualified written request” is a written correspondence, other than
    notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and your
    reasons for the request. No later than 60 business days after receiving your request, your servicer must make any appropriate corrections to your
    account and must provide you with a written clarification regarding any dispute. During this 60-day period your servicer may not provide
    information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request.

    Damages and Costs:
    Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are shown to
    have violated the requirement of that Section.

    Servicing Transfer Estimates by Original Lender:
    The following is the best estimate of what will happen to the servicing of your mortgage loan:
    1. We do not service mortgage loans. We intend to assign, sell or transfer the servicing of your loan.
    2. This is our record of transferring the servicing of the loans we have made in the past:
          2006 – 100% 2007 – 100% 2008 – 100% 2009 – 100%
     The estimates above do not include assignments, sales or transfers to affiliates or subsidiaries. This is only
     our best estimate and is not binding. Business conditions or other circumstances may affect our future
     transferring decisions. If the servicing of your loan is transferred to an affiliate or subsidiary in the future,
     you will be notified in accordance with RESPA.

    Acknowledgement of Mortgage Loan Applicant:
    I/We have read this disclosure form and understand its contents as evidenced by my/our signature(s) below. I/we
    understand that this acknowledgement is a required part of the mortgage loan application.




Borrower’s Signature                                          Borrower’s Printed Name                                     Date




Co-Borrower’s Signature                                       Co-Borrower’s Printed Name                                  Date




                                                                                                                             7/10/09
                                                 LOAN NETWORK, LLC
                                       USA PATRIOT ACT INFORMATION DISCLOSURE
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify
and record information that identifies each person who applies for a loan. Please be advised that we may also require your permission to make a copy
of such identification. Your information will be protected by our Privacy Policy and Federal law. This is required per the USA PATRIOT ACT
which was signed into law on October 26, 2001.



Borrower’s Signature                                             Borrower’s Printed Name                                     Date


Co-Borrower’s Signature                                          Co-Borrower’s Printed Name                                  Date

_________________________________________________________________________________________

LOAN ORIGINATOR TO COMPLETE THE FOLLOWING:

IMPORTANT: Information listed below must be exactly as indicated on the document(s):

Generally, acceptable documents will consist of un-expired government issued identification with a photograph listed below:

Valid Permanent Driver’s License                   Valid U.S. Passport               Valid Resident Alien Card
Valid U.S. Military Identification Card            Valid State Identification Card

                                 Country/State of
     Type of Document               Issuance                    ID Number                Date of Birth            Expiration Date




I,                                                           certify that I have personally viewed and accurately recorded the
      (Name of person obtaining the information)
      information from the document(s) identified above and have reasonably confirmed the identity of the applicant(s).




Signature of Loan Network, LLC                                   Printed Loan Network, LLC Representative                    Date
Representative




                                                                                                                                 7/10/09
                                                 LOAN NETWORK, LLC
                                           PREPAYMENT PENALTY DISCLOSURE

A prepayment penalty is extra fees that may be due if there is an unscheduled prepayment of the principal balance on a loan or the loan is paid off
early.

The mortgage loan program under which I/we have made application may be available with or without a prepayment penalty option. In choosing a
prepayment penalty option, I/we understand this will allow for a lower interest rate, ARM margin (if applicable) and/or lower points.
Based on the prepayment penalty option for this mortgage loan program, the prepayment penalty period
will be in effect for the first              months (36 months if not filled in) of the loan term.

I/we have selected to include a prepayment penalty option in the mortgage loan program under which I/we have made application.

GENERIC ARM DISCLOSURE

This disclosure describes some of the features of Adjustable Rate Mortgages. For further information, please refer to the Handbook on Adjustable
Rate Mortgages. A more specific ARM disclosure may be required to be signed in addition to this disclosure.

Your interest rate will be fixed for an initial period of time. Depending on the loan program you have selected, this initial fixed period can range
from one (1) month to ten (10) years. At the end of the fixed period your interest rate will vary in relation to changes in the interest rate index
selected. At that time your monthly payments may increase or decrease substantially. The date on which your interest rate can be adjusted is called
the “Change Date”.

Beginning with the first Change Date, your interest rate will be determined by adding the index (e.g. LIBOR, UST, COFI) to the margin and
rounding up the total to the nearest one-eighth of one percentage point (0.125%), unless your interest rate “caps” limit the amount of change in your
interest rate. Your rate will adjust on each subsequent Change Date in the same manner. If your loan has periodic caps, the rate increase/decrease
from one adjustment period to the next will be limited to the amount of the applicable periodic cap. The maximum interest rate you may have to pay
on your ARM is limited by the overall life cap.

Ask your loan originator about the index, margin, periodic caps (if any) and life cap, as well as your initial and subsequent adjustment periods. Your
originator will also be able to compute the maximum possible payment on your ARM loan for you.

Additional features of Adjustable Rate Mortgages:

Interest-Only Option: Your loan may or may not have an interest-only payment option.
Prepayment Penalty Option: Your loan may include a prepayment fee option that you may choose to decline. Ask us about the terms of the
prepayment fee option and about the benefits to you.
Assumption Option: This adjustable-rate mortgage may or may not be assumable.
Conversion Option: This adjustable-rate mortgage may or may mot be converted to a fixed interest rate.
Demand Feature: This loan may or may not contain a demand feature.


Acknowledgement:
You hereby acknowledge receipt of this disclosure along with a copy of the “Handbook on Adjustable Rate Mortgages”.




Borrower’s Signature                                        Borrower’s Printed Name                                      Date



Co-Borrower’s Signature                                     Co-Borrower’s Printed Name                                   Date




                                                                                                                            7/10/09
                                                LOAN NETWORK, LLC
                                              HOMEOWNERS INSURANCE

                       I/We would like the following Company and Agent to handle our Homeowners Insurance:

Insurance Company:

Insurance Agent:

Address:

City: ___________________________________                    State: ______      Zip Code:

Telephone Number (REQUIRED):

Fax Number (REQUIRED): ____________________________________

Policy Number (REQUIRED): ______________________                       Effective Date: ___________

Premium Amount: ____________________                          Coverage Amount: ________________________


                                                CONDO PURCHASERS/OWNER

Homeowners Association Name:

Address:

Telephone Number:                                    Fax Number:

The insurance laws of this state provide that the lender may not require the applicant(s) to take insurance through any particular
insurance agent or company to protect the mortgaged property. The applicant(s) subjected to the rules adopted by the Insurance
Commissioner, has the right to have the insurance placed with an insurance agent or company of his/her choice, provided the company
meets the requirement of the lender. The lender has the right to designate reasonable financial requirements as to the company and the
adequacy of the coverage.

I/we have read the foregoing statement, or the rules of the Insurance Commissioner relative hereto, and understand my/our rights and
privileges and those of the lender relative to the placing of such insurance. I/We have selected the above agencies to write the
insurance covering the property described above.



Borrower’s Signature                                 Borrower’s Printed Name                               Date



Co-Borrower’s Signature                              Co-Borrower’s Printed Name                            Date




                                                                                                              7/10/09
                                             NOTICE TO HOME APPLICANT(S)
                                          NATIONAL CREDIT SCORE DISCLOSURE
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributes to users
and the lender used in connection with your home loan and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or
lender has on file. The scores are based upon data about your credit history and payment patterns. Credit scores are important because they are used
to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change and how credit
scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being
furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address
and telephone number provided with this notice or contact the lender, if the lender developed or generated the credit score. The consumer reporting
agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on
the loan application. If you have questions concerning the terms of the loan, please contact the lender.

The consumer reporting agencies listed below provided a credit score that was used in connection with your home loan application:




                 Experian                                       Equifax                                  TransUnion
              P.O. Box 2002                                P.O. Box 740243                             P.O. Box 1000
          Allen, TX 75013-3742                             Atlanta, GA 30374                          Chester, PA 19022
              (888)397-3742                                 (800)685-1111                              (800)916-8800

            Fair Isaac (EXP)                                 Beacon (EFX)                               Empirica (TU)
          The range of possible                          The range of possible                      The range of possible
          Credit scores under the                        credit scores under the                    credit scores under the
          Model used is 300-850                          model used is 300-850                      model used is 336-843




Borrower’s Signature                                         Borrower’s Printed Name                                       Date



Co-Borrower’s Signature                                      Co-Borrower’s Printed Name                                    Date




                                                                                                                              7/10/09
7/10/09
                                TRUE AND CORRECT CERTIFICATION



January 16, 2012

Loan Number:

Borrower:

To whom it may concern:


All documents contained in this file are true and accurate to the best of my knowledge.


Sincerely,




Name
Title
Company




                                                                                          7/10/09

				
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