This INDEPENDENT CONTRACTOR AGREEMENT (“Agreement”) is made on _

Agreement This INDEPENDENT CONTRACTOR AGREEMENT (“Agreement”) is made on ____/____/____, between Sierra Capital Group, Inc. in Aliso Viejo (“Owner”), any dba’s of Owner and ______________________________ (“Contractor” or (“Independent Contractor”). Whereas Sierra is in the business of providing mortgage tools and facilities for loan officers and various account executives in the business of marketing for mortgage clients. This document, including its Addendum Exhibit A, is the agreement of the parties as to the status of the Contractor, an Independent Contractor. It does not create any other rights, benefits or expectations other than those included herein. This document is not an employee handbook or manual, nor is its content superceded by any employee handbook, manual or procedure publication. The parties expressly recognize the nature of Independent Contractor tenure is nothing more than an Independent Contractor at will relationship. There is no expectation of any permanent relationship included or inferred by the contents of this document, other than that which is specifically called for within this document. ARTICLE 1. INDEPENDENT CONTRACTOR STATUS Section 1.01. Independent Contractor. Contractor shall not be an employee of Owner for any purpose whatsoever, including but not limited to tax classification or under any state or federal law. Contractor shall be an independent contractor and shall not have any of the rights or benefits granted only to employees of Owner. Contractor’s commissions earned as described in Article 4 of this Agreement shall be reported by Owner with an IRS Form 1099 for each calendar year during the term of this Agreement. Section 1.02. Control. Owner is interested only in results obtained by Contractor pursuant to this Agreement and compliance of Contractor with all state and federal laws and regulations applicable to the arranging of residential mortgage loans. Contractor shall devote such time, attention and energy to the business and affairs of Owner as requested by Owner, and in any event no less than the amount of time specified in Exhibit “A” hereto. Contractor shall have control of the manner and means of obtaining said results that are in compliance with all applicable state and federal laws and regulations. Owner shall not have the right to require Contractor to collect accounts, follow prescribed itineraries, make adjustments, bind Owner, or do anything else which would jeopardize the relationship of independent contractor between Owner and Contractor. Section 1.03. Duties. Contractor shall adhere to the items set forth on Exhibit “A.” Contractor shall at all times be in compliance with all governmental laws and regulations applicable to the type of loan product being arranged by Contractor. Where Contractor is other than an individual, then all partners, employees, principals and members shall also be subject this Agreement. Section 1.04. No Partnership. Contractor does not have and shall not hold himself out as possessing any right or authority, express or implied, to bind Owner to any contractual obligation, pledge or extend Owner’s credit without the prior written consent of Owner. Nothing in this Agreement shall be deemed to constitute a partnership or joint venture between Contractor and Owner. ARTICLE 2. TERM Section 2.01. Term. This Agreement shall commence upon the full execution hereof and will continue thereafter until terminated as provided in Article 7 of this Agreement. ARTICLE 3. PROPRIETARY AND CONFIDENTIAL INFORMATION Section 3.01. Ownership of Owner’s Proprietary Marks and Logo. Contractor acknowledges that Owner operates Owner’s business with the use of various trademarks, trade names and service marks with images (which images are sometimes referred to as “Logo”, collectively referred to herein as “Proprietary Marks”); and that Owner is the sole owner of the Proprietary Marks and Logo. Initial Here _______ Section 3.02. Grant of Limited License. Subject to the conditions set forth in this Agreement and only during the term of this Agreement, Owner grants to Contractor a limited license to use written materials, forms, and signage containing the Proprietary Marks and/or Logo of Owner in connection with the arranging of residential mortgage loans pursuant to this Agreement. Contractor shall not, either during or after the term of this Agreement, do anything, or aid or assist any other person or entity to do anything that would infringe upon, impair or contest the rights of Owner in any of its Proprietary Marks, Logo or in any other mark or name which incorporates Proprietary Marks. Contractor agrees that nothing in this Agreement shall give Contractor any right, title or interest in the Proprietary Marks or Logos of Owner other than its right to use the Proprietary Marks in accordance with this Agreement. Contractor shall not register or use the Proprietary Marks, or any of them, or an abbreviation of the Proprietary Marks, or any of them, nor use any of the Proprietary Marks as part of an Internet domain name. The license granted by this section shall not survive the termination of this Agreement. Section 3.03. Protection of Trade Secrets of Owner. Contractor acknowledges that in the course of performing Contractor’s duties for Owner that the confidential information including but not limited to the operational strategy, marketing principles, manuals, methods, pricing, forms, client leads, referral sources, client list, contractor or employee information, informational bulletins and password information used on Owner’s information systems and/or website will be revealed by Contractor in confidence, all of which is agreed to be the proprietary property and trade secrets of Owner. Contractor agrees that during and after the term of this Agreement, Contractor will not reveal any Trade Secrets of Owner to any other person or entity and that Contractor will not use any Trade Secret in connection with any business or venture in which Contractor has a direct or indirect interest, whether as proprietor, partner, joint venture, shareholder, officer, director, employee, lender, or in any other capacity whatsoever, except in connection with the arranging for residential mortgage loans pursuant to this Agreement. Contractor shall take all reasonable measures to cause its agents and employees to maintain the confidentiality of Owner’s Trade Secrets. Nothing in this section shall be deemed to prohibit Contractor from engaging or participating in any lawful trade or business, either during or after the term of this Agreement, provided that Contractor does not reveal, use, or appropriate any of the proprietary rights, confidential information or Trade Secrets of Owner and does not violate any other provision of this Agreement. ARTICLE 4. COMMISSIONS & FEES Section 4.01. Commissions Earned by Contractor. From total broker proceeds received, a state license fee of $400 will be deducted and contractor will be paid on remainder as follows. 100% less Flat Fee of $600 per loan (branches - may be reduced to $350 per file once you are paid on 8 files in a single calendar month). Other services provided by Owner: $695 for processing (License and processing fees may/should be included with customer’s 3rd party fees, aka hard costs). For commission calculations, date of receipt of final check by Owner is used. Checks not cashed within three months of issuance will be canceled and forfeited. Some products have different fee schedules such as helocs, commercial loans, super jumbos, etc. ARTICLE 5. RISK ALLOCATION Section 5.01. Indemnity and Insurance. Contractor agrees to indemnify, hold harmless and immediately defend Owner, its agents, officers, employees, directors, shareholders, attorneys and affiliates from and for any loss, liability and expenses (including attorneys fees and costs) arising out of or relating in any manner to a breach by Contractor of any provision of this Agreement, including without limitation, Section 1.03 and 1.04 of this Agreement, the act or omission of Contractor, his or her agents, officers, partners, owners shareholders, directors, employees and affiliates in connection with the performance of Contractor’s duties pursuant to this Agreement or with the arranging of residential mortgage loans by Contractor. Contractor specifically assumes all liability arising out of any and all licensing violations, whether intentional or unintentional. Section 5.02. Debts incurred by Contractor. Contractor may not incur debts on behalf of owner. Any debts incurred, including but not limited to, appraisals (all appraisals must be COD only), credit reports, overnight mail, etc. are the sole Initial Here _______ responsibility of Contractor. Contractor agrees to hold owner harmless and immediately assume any debts incurred in connection with Contractor prospects and customers. ARTICLE 6. TRANSFER OR ASSIGNMENT Section 6.01. General Publication. Contractor shall not make any assignment of this Agreement or of any rights or interest herein without the prior written consent of Owner, which may be withheld or granted in its sole discretion. For all purposes of this Agreement, each of the following shall be deemed to be an assignment of this Agreement: (a) (b) (c) Any sales, assignment, transfer or subcontract by Contractor of or with respect to this Agreement. Any pledge, encumbrance, or grant of any security interest herein by Contractor Sale at judicial sale or under power of sale, conveyance or retention of collateral in satisfaction of debt or other procedure to enforce the terms of any pledge, encumbrance, or security interest in this Agreement which results in disposition of Contractor’s interest herein. The passing by operation of law to any other party or parties of Contractor’s interest in this Agreement or any part thereof. In the event Contractor is a corporation, partnership, limited liability company or other form of business association, any act, transaction, or event of a nature described in either of subsections (a) through (d), above, which, instead of operating upon this Agreement as such operates upon or affects any interest in such corporation, partnership, limited liability company or association, whether by means of on or a sequence of more than one transaction or event. If Contractor herein is two or more individuals, Contractor shall be deemed to be a partnership for all purposes of this Article 6, irrespective of whether or not such individuals are designated herein as a partnership. (d) (e) Any assignment of this Agreement shall constitute a breach of this Agreement, shall be subject to the provisions of Section 7.02 (d)(iii), below, and shall confer no rights or interest whatsoever under this Agreement upon any other party. Section 6.02. Assignment by Owner. This Agreement may be assigned by Owner, or by any person or entity hereafter referred to successor, to any corporation or other entity which may succeed to the business of Owner or of such successor by sale of assets, merger, or consolidation, and may also be assigned by Owner or by such successor to the shareholder or shareholders thereof in connection with any distribution of the assets of said corporation. ARTICLE 7. DEFAULT AND TERMINATION Section 7.01 Termination by Contractor. Contractor may terminate this Agreement at any time, at the will of Contractor and without cause, by giving to Owner written notice of such termination not less than two weeks prior to the effective date of termination. Section 7.02. Termination by Owner. Owner may terminate this Agreement as follows: (a) In the event Contractor fails to submit to Owner when due any report required by this Agreement to comply with any reporting of any governmental or regulatory agency, then Contractor shall be in default. If contractor fails to cure any default involving the submission of a report to Owner within ten days after Owner gives written notice of default to Contractor, then Owner may terminate this Agreement at any time thereafter by giving written notice of termination to Contractor. In the event Contractor fails to perform any obligation imposed upon Contractor by this Agreement other than those referred to in subsection (a) or (d) of this Section 7.02, and such default is not totally cured within ten days after Owner gives written notice of such default to Contractor, then Owner may terminate this Agreement at any time thereafter by giving written notice of such termination to Contractor. (b) Initial Here _______ (c) (d) (e) In the event Contractor has been given written notice of default by Owner three (3) times during the term of this Agreement pursuant to subsections (a) and/or (b) above, and in each of such prior instances Contractor has cured the default within the time permitted, then at any time after a subsequent default of Contractor, Owner may terminate this Agreement without giving prior notice of such default and without affording Contractor any period in which to cure such default by giving written notice of such termination to Contractor. Owner may terminate this Agreement forthwith, by giving written notice to Contractor, on account of any of the following matters: (i) Any material falsification by Contractor of any report, statement, or other written data furnished to Owner. (ii) Any deception of customers by Contractor, relating to the source, nature, or quality of products or services sold. (iii) Any attempted or purported assignment of this Agreement not in compliance with Article 6 hereof, provided that if Owner does not elect to exercise its right to terminate this Agreement pursuant to this subsection, such inaction shall not be deemed to constitute a consent to such assignment nor to confer any rights or interest whatever upon the purported assignee, but this Agreement shall remain binding and in full force and effect as between Owner and Contractor herein unless and until Owner elects to terminate the same. Any notice of termination given by Owner pursuant to this subsection shall be fully effective and this Agreement shall thereby be terminated, notwithstanding that Contractor may have ceased engaging in or may not at the time of such notice be engaged in, any of the acts which give rise to such notice, and notwithstanding that Contractor may have taken steps to counteract the effects of any such acts. Section 7.03 Automatic Termination. This Agreement shall terminate immediately upon the occurrence of any of the following events, without the necessity of notice of any kind by Owner or Contractor: a) The misappropriation or theft by Contractor of Owner’s assets or any assets on owner’s premises. b) The engagement by Contractor in fraud of any state federal lending law by Contractor. c) If Contractor is a corporation, partnership, limited liability company or other business association, the occurrence of any act of a type described (a) through (c), above, which relates to, involves, or affects the interest of any person owning a controlling interest in Contractor. Section 7.04. Notice of Default or Termination. No notice of default or notice of termination purporting to be given pursuant to this Article 7 shall be of any force or effect unless signed by a corporate officer of Owner. Section 7.05. Nonexclusive Remedy. The right of Owner to terminate this Agreement pursuant to this Article 7, whether or not exercised, shall not be exclusive of any other remedies given Owner by this Agreement or by law on account of any default of Contractor hereunder. Section 7.06. Equitable Relief. Contractor agrees that neither termination of this Agreement, an action at law, nor both, would be an adequate remedy for a breach or default by Contractor, or by any other persons bound by this Agreement, in the performance of any obligation relating to the Proprietary Marks or Logo or any Trade Secrets revealed to Contractor in confidence pursuant to this Agreement, or the obligation of Contractor and such other persons, upon and after termination of this Agreement. It is agreed that in the event of any such breach or default, in addition to all other remedies provided elsewhere in this Agreement or by law, Owner shall be entitled to relief in equity (including a temporary restraining order, temporary or preliminary injunction, and permanent mandatory or prohibitory injunction) to restrain the continuation of any such breach or default or to compel compliance with such provisions of this Agreement. Section 7.07. Obligations Following Termination. Upon termination of this Agreement, whether by lapse of time, termination pursuant to any provision of this Article, mutual consent of the parties, operation of law, or in any other manner whatsoever, Contractor shall immediately cease to be an agent of Owner for any purpose and Contractor and all persons directly or indirectly owning any interest in Contractor or in any way associated with or related to Contractor shall: (a) Immediately and permanently discontinue the use of any of the Proprietary Marks or Logo or any Trade Secrets of Owner, or any marks, trade secrets or logos that are confusingly similar thereto, or any other Initial Here _______ (b) (c) (d) (e) materials which may in any way indicate or tend to indicate that Contractor is an authorized agent of Owner or is in any way associated with Owner. Immediately and permanently remove or destroy, at Contractor’s expense, all signs containing any Proprietary Marks, Logo or Trade Secrets of Owner. Nothing herein shall prevent the parties from negotiating a sale of such materials to Owner from Contractor. Promptly destroy or surrender to Owner all stationary, letterheads, forms, printed matter, promotional displays, and advertising containing any Proprietary Marks, Logo or Trade Secrets of Owner. Immediately and permanently discontinue all advertising placed by Contractor that contains or makes reference to Owner or any Proprietary Marks, Logo or Trade Secret of Owner and will cancel all such advertising already placed or contracted for which would otherwise be published, broadcast, displayed, or disseminated after the date of termination hereof. To the extent that Owner has subscribed or provided Contractor with any property of Owner (i.e. telephones, telephone numbers, computers, software, Internet website access, and the like) Contractor shall immediately cease using or claiming any right to use such property and shall pay all third party bills associated with the use of such property. Without limiting the scope of the foregoing, as to each telephone number for which Contractor may be the subscriber and which shall have been listed or advertised by Contractor at any time within the twenty-four (24) month period prior to termination in any telephone directory or other media that references or contains any of Owner’s Proprietary Marks, Logo, or Trade Secrets, Contractor shall immediately transfer and assign without cost to Owner any such number to Owner or to such person or firm as Owner may designate, and shall immediately execute such instruments and take such steps as in the opinion of Owner may be necessary or appropriate to transfer and assign each such telephone number, and Contractor further irrevocably appoints the then acting Senior Vice President of Lordsman, Inc., Inc. or its successor as his duly authorized agent and attorney-in-fact to execute all such instruments and take all such steps to transfer and assign each such telephone number. After termination of this Agreement, Contractor shall be entitled to his full commission as described in Article 4 of this Agreement on each loan in processing that has been arranged by Contractor and the loan funds within 30 days of termination date provided that termination was not the result of fraud, theft, or any other wrongdoing as described throughout Article 7, in which case no further payment shall be due contractor. Contractor shall cooperate fully in the transfer of all leads and loans in progress that have not resulted in a submitted application, which opportunities shall be the Trade Secret and proprietary right of Owner. Section 7.08. General Provisions Regarding Termination. Agreement: (a) The following provisions apply to termination of this (a) (b) Termination of this Agreement under any circumstances shall not abrogate, impair, release, or extinguish any debt, obligation, or liability of Contractor to Owner which may have accrued hereunder, including without limitation, any such debt, obligation, or liability which was the cause of termination or arose out of such cause. Until such debt, obligation, or liability is cured, contractor agrees to leave any reasonable and substantial assets in offices of owner as collateral. This may include but is not limited to computer equipment. All covenants and agreements of Contractor that by their terms or by reasonable implication are to be performed, in whole or in part, after the termination of this Agreement, shall survive such termination. In the event this Agreement is assigned by Contractor and such assignment is consented to by Owner, this Agreement shall be deemed to have terminated as to the assignor or assignors as of the date of such consent, and such assignor or assignors shall thereupon be bound by all provisions of Section 7.07 to the same extent and in the same manner as if this Agreement had been terminated in its entirety as of said date. ARTICLE 8. MISCELLANEOUS PROVISIONS Section 8.01. Section Headings. Section headings are for convenience of reference only and shall not be construed as part of this Agreement nor shall they limit or define the meaning of any provision herein. Section 8.02. Attorneys’ Fess and Costs. In the event Owner is required to employ legal counsel or to incur other expense to enforce any obligation of Contractor hereunder, or to defend against any claim, demand, action, arbitration or other proceeding by reason of Contractor’s failure to perform any obligation imposed upon Contractor by this Agreement, if Owner Initial Here _______ is prevailing party, Contractor shall pay to Owner all attorneys’ fees and expenses incurred by Owner, whether or not such action, arbitration or other proceeding proceeds to judgment or award. The venue for any action or arbitration shall be Orange County, CA. Section 8.03. Cumulative Remedies. All rights and remedies conferred upon Owner by this Agreement and by law shall be cumulative of each other, and neither the exercise nor the failure to exercise any such right or remedy shall preclude the exercise of any other such right or remedy. Section 8.04. Nonwaiver. No failure by Owner to take action on account of any default by Contractor, whether in a single instance or repeatedly, shall constitute a waiver of any such default or of the performance required of Contractor. No express waiver by Owner of any provision or performance hereunder or of any default by Contractor shall be construed as a waiver of any other or future provision, performance, or default. Section 8.05. Invalidity and Severability. If any provision of this Agreement shall be invalid or unenforceable, either in its entirety or by virtue of its scope or application to given circumstances, such provision shall be deemed modified to the extent necessary to render the same valid, or as not applicable to given circumstances, or to be excised from this Agreement, as the situation may require, and this Agreement shall be construed and enforced as if such provision had been included herein as so modified in scope or application, or had not been included herein, as the case may be, it being the stated intention of the parties that had they known of such invalidity or unenforceability at the time of entering into this Agreement, they would have nevertheless contracted upon the terms contained herein, either excluding such provisions, or including such provisions only to the maximum scope and application permitted by law, as the case may be. In the event such total or partial invalidity or unenforceability of any provision of this Agreement exists only with respect to the laws of a particular jurisdiction, this paragraph shall operate upon such provision only to the extent that the laws of such jurisdiction are applicable to such provision. Section 8.06. Singular/Plural/Masculine/Feminine. All terms and words used in this Agreement, regardless of the number or gender in which they are used, shall be construed to include any other number, singular or plural, and any other gender, masculine and feminine or neuter, as the context or sense of this Agreement or of any paragraph of this Agreement may require. Section 8.07. Notices. Any notice or demand given or made pursuant to the terms of this Agreement shall be served upon the party to be charged by personal delivery, certified mail, electronic mail, or confirmed fax transmission at or to the respective address, electronic mail address or fax number set forth on the signature page on this Agreement, or such other address, electronic mail address or fax number designated by such party immediately following such party’s signature on the last page of this Agreement or thereafter in accordance with this Section. Such notice shall be effective upon personal delivery, mailing, or confirmed transmission. Section 8.08. Entire Agreement. This Agreement and the exhibits hereto constitute and contain the entire agreement and understanding of the parties with respect to the subject matter hereof and thereof. There are no representations, undertakings, agreements, terms, or conditions not contained or referred to herein. This Agreement supersedes and extinguishes any prior written agreement between the parties hereof. Nothing contained herein shall affect or relate to any agreement between the parties or any of them relating to any business location other than the one described at the address identified on the signature page of this Agreement. Any modification to this Agreement shall be in writing and signed by both parties. Section 8.09. Binding Effect. This Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective heirs, executors, administrators, personal representatives, successors, and assigns. Section 8.10. Controlling Law. This Agreement, including all matters relating to the validity, construction, performance, and enforcement thereof, shall be governed by the laws of the State of California. This Agreement is made in Orange County California. Section 8.11. Arbitration. Any dispute Contractor may have with Owner arising out of this Agreement shall be resolved by binding arbitration before a single arbitrator selected from the panel of Judicate West, or such other alternate dispute resolution service (“ADR”) that the parties hereto shall agree upon, and the award of the arbitrator may be entered as a judgment in any court of competent jurisdiction. In the event that the parties cannot agree upon the selection of an arbitrator within thirty days after demand for arbitration, then the arbitrator shall be selected in accordance with the rules of Judicate West or such other agreed upon ADR service then in effect. The arbitration shall be conducted in Orange County, California. Initial Here _______ The parties shall have the right to discovery in the arbitration as may be allowed by the Arbitrator. The parties agree that the successful party in an arbitration conducted pursuant to this Section, may elect to serve a Petition to Confirm the arbitration award by mail. Service of a Petition to Confirm as a Judgment of an arbitration award rendered pursuant to this Section shall be effective upon the expiration of five days after mailing such Petition to the party to be charged, or to the attorney who represented such party at the time of the arbitration hearing. Section 8.12. Respect for Employment Relationships and non-Piracy. Contractor acknowledges that employees and Contractors are valuable human assets whose recruitment, training and equipping involves significant time and expense. Contractor, as a material term of this Agreement, agrees to respect other contractor relationships and employment contracts with Owner. During the term of this Agreement, and for the period of twelve months thereafter, Contractor shall not, directly or indirectly (such as through another person or entity), without Owner’s written consent, solicit or employ any person who is associated with Owner as employee or contractor using Owner tools and facilities. Contractor acknowledges that it is very difficult, if not impossible to assess the full damage that will occur to each other from a violation of this section, and agree that if they shall engage or hire such an employee or contractor in violation of this Section, that such hiring party shall pay to Owner the hiring a sum equal to one half of the hired employee’s annual gross commissions and other compensation calculated from twelve months of association with Owner prior to the termination of such employee. The parties agree that such amount is a reasonable and good faith effort to calculate the actual damages that will be incurred by Owner to replace such individual or entity, and is not a penalty but will be paid as liquidated damages upon breach of this Section by a party. Section 8.13. Non-Circumvention. In signing this agreement, Contractor also agrees that he or she may not, while this agreement is in force, and for a period of one year after the termination of this agreement, work for, originate for, directly or indirectly, any other Owner office, any broker or brokers used by Owner for placement of loans. This provision is in no way intended to keep Contractor from working within the lending industry as there are hundreds of brokers within the same county but is intended to protect the few unique relationships created by owner. The broker or brokers referenced here may be specifically identified to Contractor in writing upon request. Section 8.13. Counterparts. This Agreement may be executed in any number of identical counterparts, and each such counterpart shall be deemed a duplicate original hereof. Exhibit A Additional Duties of Contractor & Addendums In order to comply with applicable state and federal lending laws and regulations, Contractor shall do the following, which are provided herein as advisory and not intended to be exhaustive of compliance issues relating to state and federal lending law and which may change depending on the state and the type of loan product being arranged by Contractor. The parties agree that the following list of actions are a reasonable, good faith effort to effect compliance with certain state and federal lending laws and regulations relating to the residential mortgage loan industry. 1. 2. 3. All fees charged to borrowers by Contractor shall be consistent with and in compliance with all state and federal regulations. Contractor shall use Owner provided processors to process all loan paperwork and track the progress of all loans. Contractor shall take all reasonable and prudent actions to educate the staff and employees of Contractor, if any, on the prevention, detection, and reporting of loan fraud. Contractor shall adopt and strictly adhere to the industry “Loan Fraud” Zero Tolerance policy. Any forgeries or other types of fraud may result in penalties, termination and other remedies. Contractor shall strictly enforce and adhere to the Owners Quality Control Policies. Copy packages not completed and received by company within 30 days of receipt of broker check will be considered in violation of company and regulatory requirements and contractor forfeits all payment on said files. Contractor holds Owner harmless in the event of any telemarketing violations resulting from the newly established Do Not Call list regardless of where contractor may have obtained any lists. Contractor agrees that any leads originated from offices of Owner become the property of Owner. In no event may they be transferred to another Broker/Company without the written consent of Owner. Contractor consents to having his/her credit reviewed by Owner at any time. This is generally not done unless Contractor is in default of his/her financial obligations to Owner. Initial Here _______ 4. 5. 6. 7. 8. 9. All relevant items and changes published in subsequent newsletters and updates distributed by owner automatically become an addendum to this agreement. OWNER: Sierra Capital Group, Inc. Signed: By: Address: Telephone: Facsimile: Email: Parviz Firouzgar 18008 Sky Park Circle #200, Irvine, CA 92614 949-442-0110 ext 304 815-572-5296 pfirouzgar@aol.com CONTRACTOR (print name): Signed: Address: Telephone: Email: SSN/TIN: Driver’s License #: ____________________________________ Yes / No Do you have a CA Real Estate License? Referred by ___________________________________________ Check one: Individual Application ______ Company with multiple loan officers ______ Initial Here _______