Jessie Hunter

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Jessie Hunter Powered By Docstoc
					August 27, 2008

To:                   Kenneth

Email:                kennethgo@verizon.net

Subject:              Rental/Lease Application Package

Property Address:     2325 Revere Avenue – Fullerton, CA

Tenants:              Scott Smith, Brent Boswell, Kristopher Boswell and Shane Booth

Hello Ken,

Attached you will find the application package for the referenced tenants. All of whom are extremely
interested in an immediate lease of the referenced property.

All tenants are Cal State Fullerton University students with mature demeanors and good GPA’s.
They have very good credit scores. They all have steady income in the form of stable jobs,
scholarships, cash reserves and/or financial support from parents willing to be financial guarantors to
ensure lease obligations are fulfilled. The total combined monthly income into the household
will be $10,100.

We specialize in pre-screening college roommate groups and submit rental applications only after
we interview and counsel all roommate groups. Before we will represent them they must agree to
establish written house rules, paying with a single joint checking account, maintaining property
cleanliness and requirement for renter’s insurance. The tenants are open to being interviewed by the
owner or the owner’s representative prior to final approval.

They have agreed to the rent amount of $2,500 per month and the security deposit amount of
$2,500. Also, they are willing to pay the deposit, enter into the lease agreement and occupy
immediately.

Please review and provide a response at your earliest.

Thank you,

Jessie Hunter
Jessie Hunter
Broker / Realtor




                       3535 East Coast Highway #305 – Corona del Mar, CA 92625
                    (714) 890-0099 Office – (714) 866-0489 Cell – (800) 892-7774 Fax
                                        Jessie@MustSellRE.net
                  Verified Income Summary

        Name                          Income                          Source
                                        $1,000                 Reserves Account
                                   (Income Per Month)             ($29,172)
     Scott Smith
                                         $850                           Parent
                                   (Monthly Assistance)

                                        $2,400                   Sully-Miller
      Kristopher                   (Income Per Month)           Contracting Co.
       Boswell                           $650                  Reserves Account
                                   (Monthly Assistance)            ($39,298)
                                                                 Third Degree
                                        $1,000
                                   (Income Per Month)             Sportswear
   Brent Boswell                                                Part Time – Project Mgr

                                         $750                  Reserves Account
                                   (Monthly Assistance)            ($12,000)
                                                                 Third Degree
                                        $2,400
                                   (Income Per Month)             Sportswear
    Shane Booth                                                 Owner/Graphic Designer

                                         $850                          Parents
                                   (Monthly Assistance)

    Combined                           $7,000                         $10,100
                                   (Income Per Month)
    Monthly                                                        Total Combined
                                        $3,100                     Monthly Income
     Income                        (Monthly Assistance)


* In addition, all of the tenants have guaranteed parental support to ensure rent payment.
                                                                                                                      Merged Credit Report
                                                                                                                       Equifax Experian TransUnion



            File #:              448200
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 07, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   --


                                                                    BORROWER INFORMATION

            ADDRESS:             26691 Warwick
                                 Lake Forest, CA 92630

            BORROWER:            Scott Smith
                                 625-30-6930



                                                                            SCORE MODELS

               830       EXPERIAN, FICO v2

               014     Length of time accounts have been open


               833       TRANS UNION, FICO Classic 98



               773       EQUIFAX, Beacon 5.0 FACTA

               011     Amount owed on revolving accounts is too high
               028     Number of established accounts
               032     Lack of recent installment loan information
               014     Length of time accounts have been established

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                   Past Due



             Revolving                    2                        46,000                3,039                   76                       0




            TOTALS:                      2                    $46,000                   $3,039                   $76                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                  Page 1 of 5
                                                                                                                        Smith, Scott
                                          Magnum Mortgage                                                                   File #: 448200
                                          28202 Cabot Road, Suite 300                                                      Reference #: --
                                          Laguna Niguel, CA 92677                                                    Social #: 625-30-6930

                                                                  CREDIT HISTORY

                                              Type     Reported         Hi Credit   Payment    MR   30     60   90      Status
            Who              Creditor
                                              Term     Opened           Balance     Past Due         DLA               Bureaus

                  DISCOVER FIN SVCS LLC         Rev.     Jun 08          $30,000      $61      25    0     0    0     as agreed
            B-A
                  601100051731                    -      Apr 88          $3,039         0           Jun 08            XP TU EF

                  BANK OF AMERICA               Rev.    Jun 08          $16,000        0       27    0     0    0     as agreed
            B-I
                  2803                           -      Dec 05              0          0            Jun 08            XP TU EF




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                          Page 2 of 5
                                                                                                             Smith, Scott
                                        Magnum Mortgage                                                          File #: 448200
                                        28202 Cabot Road, Suite 300                                             Reference #: --
                                        Laguna Niguel                                                     Social #: 625-30-6930


                                                              PUBLIC RECORDS

                                                                      None

                         RECENT INQUIRIES                                                        ALERTS

               Jul 08   FDNG STE                                         Smith, Scott
               Feb 07   REAL PAGE INC
                                                                         OFAC: No match found.
               Oct 06   EQUITYRES
               Oct 06   FDC




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                               Page 3 of 5
                                                       DATA SOURCE INFORMATION
                             Smith, Scott

           Names             XP      SCOTT R SMITH                                         625306930
                             TU      SCOTT R SMITH
                             TU                                                            625306930              DOB:Apr 86
                             EF      SCOTT R SMITH                                         625306930              DOB:Apr 86


           Addresses         XP     26691 WARWICK CT, LAKE FOREST, CA, 92630-6519                      Since:Nov 02, until:Apr 08
                             XP     21622 MARGUERITE PKWY, MISSION VIEJO, CA, 92692-4400               Since:Feb 07, until:Feb 07
                             TU     26691 WARWICK Court, LAKE FOREST, CA, 92630                        until:Nov 02
                             EF     26691 WARWICK CT, LAKE FOREST, CA, 92630                           until:Nov 02


           Employers




                                                                CREDITORS
           BANK OF AMERICA                               1825 E BUCKEYE RD PHOENIX, AZ 85034              BYMAILONLY
           DISCOVER FINANCIAL SVC                        PO BOX 15316 WILMINGTON, DE 19850                BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                 Page 4 of 5
 NOTICE TO THE HOME LOAN APPLICANT

 Scott Smith
 26691 Warwick
 Lake Forest, CA 92630

 In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed 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 on 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 a loan application.

 If you have questions regarding the terms of the loan, contact the lender.

                                             Your credit scores were provided by the following credit reporting agencies:

                                        Trans Union                     Experian                 Equifax Credit Information Services
                                      P.O. Box 2000                 P.O. Box 2002                         P.O. Box 740256
                                     Chester, PA 19022              Allen, TX 75013                      Atlanta, GA 30374
                                       800-916-8800                  888-397-3742                          800-685-1111
                                    www.transunion.com             www.experian.com                      www.equifax.com

 The following information about your credit scores was created on: July 07, 2008

 Applicant: Scott Smith

 Name of Score: Equifax
 Credit Score: 773
 Key Factors affecting the score:
 -Amount owed on revolving accounts is too high
 -Number of established accounts
 -Lack of recent installment loan information
 -Length of time accounts have been established

 Name of Score: Trans Union
 Credit Score: 833
 Key Factors affecting the score:

 Name of Score: Experian
 Credit Score: 830
 Key Factors affecting the score:
 -Length of time accounts have been open




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                        Page 5 of 5
Boswell Checking
                                                                                                                      Merged Credit Report
                                                                                                                       Equifax Experian TransUnion



            File #:              463452
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 28, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   JH-Boswell


                                                                    BORROWER INFORMATION

            ADDRESS:             11259 Park Street
                                 Cerritos, CA 90703

            BORROWER:            Kristopher Boswell
                                 622-18-5261



                                                                            SCORE MODELS

               770       EXPERIAN, FICO v2

               008     Too many inquiries in the past 12 months
               010     Balance owed on revolving accounts is high
               014     Length of time accounts have been open
               001     Amount owed on accounts is too high

               780       TRANS UNION, FICO Classic 04

               027     Too few accounts currently paid as agreed
               011     Amount owed on revolving accounts is too high
               004     Lack of recent installment loan information
               010     Amount owed on revolving accounts is too high


               765       EQUIFAX, Beacon 5.0 FACTA

               019     Too few accounts currently paid as agreed
               011     Amount owed on revolving accounts is too high
               032     Lack of recent installment loan information
               014     Length of time accounts have been established

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                   Past Due



             Revolving                    1                        20,000                2,809                   28                       0




            TOTALS:                      1                    $20,000                   $2,809                   $28                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                  Page 1 of 5
                                                                                                                  Boswell, Kristopher
                                        Magnum Mortgage                                                                      File #: 463452
                                        28202 Cabot Road, Suite 300                                                         Reference #: --
                                        Laguna Niguel, CA 92677                                                       Social #: 622-18-5261

                                                                CREDIT HISTORY

                                            Type     Reported         Hi Credit   Payment    MR   30    60   90          Status
            Who              Creditor
                                            Term     Opened           Balance     Past Due        DLA                   Bureaus

                  CAP ONE                     Rev.     Jul 08          $20,000      $28      86    0    0    0         as agreed
            B-A
                  529149735134                  -      Jun 01          $2,809         0           Jun 08               XP TU EF




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                           Page 2 of 5
                                                                                                       Boswell, Kristopher
                                     Magnum Mortgage                                                              File #: 463452
                                     28202 Cabot Road, Suite 300                                                 Reference #: --
                                     Laguna Niguel                                                         Social #: 622-18-5261


                                                           PUBLIC RECORDS

                                                                   None

                         RECENT INQUIRIES                                                     ALERTS

               Jul 08   FDNG STE                                      Boswell, Kristopher
               Feb 08   WELLS FARGO BANK CBG
                                                                      OFAC: No match found.
               Aug 07   WELLS FARGO BANK CBG




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                Page 3 of 5
                                                         DATA SOURCE INFORMATION
                              Boswell, Kristopher

           Names              XP      KRISTOPHER B BOSWELL                                622185261
                              TU      KRISTOPHER B BOSWELL
                              TU                                                          622185261
                              TU
                              EF      KRISTOPHER B BOSWELL                                622185261


           Addresses          XP     11259 PARK ST, CERRITOS, CA, 90703-1633                          Since:Jun 06, until:Apr 07
                              TU     11259 PARK Street, CERRITOS, CA, 90703                           until:Apr 07
                              EF     11259 PARK ST, CERRITOS, CA, 90703                               until:Apr 07


           Employers




                                                                   CREDITORS
           CAPITAL ONE BANK                                PO BOX 85064 GLEN ALLEN, VA 23058             BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                Page 4 of 5
 NOTICE TO THE HOME LOAN APPLICANT

 Kristopher Boswell
 11259 Park Street
 Cerritos, CA 90703

 In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed 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 on 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 a loan application.

 If you have questions regarding the terms of the loan, contact the lender.

                                             Your credit scores were provided by the following credit reporting agencies:

                                       Trans Union                      Experian                 Equifax Credit Information Services
                                     P.O. Box 2000                  P.O. Box 2002                         P.O. Box 740256
                                    Chester, PA 19022               Allen, TX 75013                      Atlanta, GA 30374
                                      800-916-8800                   888-397-3742                          800-685-1111
                                   www.transunion.com              www.experian.com                      www.equifax.com

 The following information about your credit scores was created on: July 28, 2008

 Applicant: Kristopher Boswell

 Name of Score: Equifax
 Credit Score: 765
 Key Factors affecting the score:
 -Too few accounts currently paid as agreed
 -Amount owed on revolving accounts is too high
 -Lack of recent installment loan information
 -Length of time accounts have been established

 Name of Score: Trans Union
 Credit Score: 780
 Key Factors affecting the score:
 -Too few accounts currently paid as agreed
 -Amount owed on revolving accounts is too high
 -Lack of recent installment loan information
 -Amount owed on revolving accounts is too high

 Name of Score: Experian
 Credit Score: 770
 Key Factors affecting the score:
 -Too many inquiries in the past 12 months
 -Balance owed on revolving accounts is high
 -Length of time accounts have been open
 -Amount owed on accounts is too high




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                        Page 5 of 5
                                                                                                                    Merged Credit Report
                                                                                                                     Equifax Experian TransUnion



            File #:              463454
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 28, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   JH-Brent Boswell


                                                                    BORROWER INFORMATION

            ADDRESS:             136 Electric Avenue
                                 Seal Beach, CA 90740

            BORROWER:            Brent Boswell
                                 622-18-6234



                                                                            SCORE MODELS

               716       EXPERIAN, FICO v2

               039     Serious delinquency
               014     Length of time accounts have been open
               018     Too many accounts with delinquency
               005     Too many accounts with balances

               693       TRANS UNION, FICO Classic 98

               039     Serious delinquency
               005     Too many accounts with balances
               014     Length of time accounts have been established
               018     Number of accounts with delinquency


               691       EQUIFAX, Beacon 5.0 FACTA

               039     Serious delinquency
               012     Revolving accounts are too recent
               018     Number of accounts with delinquency
               010     High balance owed on revolving accounts

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                 Past Due

             Revolving                    4                        30,400                2,055                 67                       0

             Education                    2                         6,625                2,998                  0                       0



            TOTALS:                      6                    $37,025                   $5,053                 $67                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                Page 1 of 5
                                                                                                       Boswell, Brent
                                     Magnum Mortgage                                                          File #: 463454
                                     28202 Cabot Road, Suite 300                                             Reference #: --
                                     Laguna Niguel                                                     Social #: 622-18-6234


                                                           PUBLIC RECORDS

                                                                   None

                         RECENT INQUIRIES                                                     ALERTS

               Jul 08   FDNG STE                                      Boswell, Brent
               Apr 08   CERRITOS NISSIAN
                                                                      OFAC: No match found.
               Jan 08   WELLS FARGO BANK CBG
               Oct 06   WELLS FARGO BANK CBG
               Aug 06   HSBC/RS




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                            Page 3 of 5
 NOTICE TO THE HOME LOAN APPLICANT

 Brent Boswell
 136 Electric Avenue
 Seal Beach, CA 90740

 In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed 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 on 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 a loan application.

 If you have questions regarding the terms of the loan, contact the lender.

                                             Your credit scores were provided by the following credit reporting agencies:

                                       Trans Union                      Experian                 Equifax Credit Information Services
                                     P.O. Box 2000                  P.O. Box 2002                         P.O. Box 740256
                                    Chester, PA 19022               Allen, TX 75013                      Atlanta, GA 30374
                                      800-916-8800                   888-397-3742                          800-685-1111
                                   www.transunion.com              www.experian.com                      www.equifax.com

 The following information about your credit scores was created on: July 28, 2008

 Applicant: Brent Boswell

 Name of Score: Equifax
 Credit Score: 691
 Key Factors affecting the score:
 -Serious delinquency
 -Revolving accounts are too recent
 -Number of accounts with delinquency
 -High balance owed on revolving accounts

 Name of Score: Trans Union
 Credit Score: 693
 Key Factors affecting the score:
 -Serious delinquency
 -Too many accounts with balances
 -Length of time accounts have been established
 -Number of accounts with delinquency

 Name of Score: Experian
 Credit Score: 716
 Key Factors affecting the score:
 -Serious delinquency
 -Length of time accounts have been open
 -Too many accounts with delinquency
 -Too many accounts with balances




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                        Page 5 of 5
                                                                                                                      Merged Credit Report
                                                                                                                       Equifax Experian TransUnion



            File #:              448200
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 07, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   --


                                                                    BORROWER INFORMATION

            ADDRESS:             26691 Warwick
                                 Lake Forest, CA 92630

            BORROWER:            Scott Smith
                                 625-30-6930



                                                                            SCORE MODELS

               830       EXPERIAN, FICO v2

               014     Length of time accounts have been open


               833       TRANS UNION, FICO Classic 98



               773       EQUIFAX, Beacon 5.0 FACTA

               011     Amount owed on revolving accounts is too high
               028     Number of established accounts
               032     Lack of recent installment loan information
               014     Length of time accounts have been established

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                   Past Due



             Revolving                    2                        46,000                3,039                   76                       0




            TOTALS:                      2                    $46,000                   $3,039                   $76                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                  Page 1 of 5
                                                                                                                        Smith, Scott
                                          Magnum Mortgage                                                                   File #: 448200
                                          28202 Cabot Road, Suite 300                                                      Reference #: --
                                          Laguna Niguel, CA 92677                                                    Social #: 625-30-6930

                                                                  CREDIT HISTORY

                                              Type     Reported         Hi Credit   Payment    MR   30     60   90      Status
            Who              Creditor
                                              Term     Opened           Balance     Past Due         DLA               Bureaus

                  DISCOVER FIN SVCS LLC         Rev.     Jun 08          $30,000      $61      25    0     0    0     as agreed
            B-A
                  601100051731                    -      Apr 88          $3,039         0           Jun 08            XP TU EF

                  BANK OF AMERICA               Rev.    Jun 08          $16,000        0       27    0     0    0     as agreed
            B-I
                  2803                           -      Dec 05              0          0            Jun 08            XP TU EF




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                          Page 2 of 5
                                                       DATA SOURCE INFORMATION
                             Smith, Scott

           Names             XP      SCOTT R SMITH                                         625306930
                             TU      SCOTT R SMITH
                             TU                                                            625306930              DOB:Apr 86
                             EF      SCOTT R SMITH                                         625306930              DOB:Apr 86


           Addresses         XP     26691 WARWICK CT, LAKE FOREST, CA, 92630-6519                      Since:Nov 02, until:Apr 08
                             XP     21622 MARGUERITE PKWY, MISSION VIEJO, CA, 92692-4400               Since:Feb 07, until:Feb 07
                             TU     26691 WARWICK Court, LAKE FOREST, CA, 92630                        until:Nov 02
                             EF     26691 WARWICK CT, LAKE FOREST, CA, 92630                           until:Nov 02


           Employers




                                                                CREDITORS
           BANK OF AMERICA                               1825 E BUCKEYE RD PHOENIX, AZ 85034              BYMAILONLY
           DISCOVER FINANCIAL SVC                        PO BOX 15316 WILMINGTON, DE 19850                BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                 Page 4 of 5
                                                                                                                                            Booth, Shane
                                                 Magnum Mortgage                                                                                     File #: 463450
                                                 28202 Cabot Road, Suite 300                                                                        Reference #: --
                                                 Laguna Niguel, CA 92677                                                                   Social #: 612-48-0853

                                                                           CREDIT HISTORY

                                                      Type     Reported        Hi Credit       Payment       MR    30       60   90               Status
            Who                Creditor
                                                      Term      Opened         Balance         Past Due             DLA                       Bureaus

                  BANK OF AMERICA                       Rev.     May 08          $500              0          18    1       1    3     closed - delinq120+
            B-I
                  6706                                    -      Nov 06          $870             $285             Jun 07                   XP TU EF
            Late Dates: Dec 07/90, Nov 07/90, Oct 07/90, Sep 07/60, Aug 07/30
            Account delinquent 150 days past due date

                  ER SOLUTIONS                          Coll     Feb 08           $410              0         1     0       0    0      closed - collection
            B-I
                  42390769                                -       Jan 08          $410            $410                  -                   XP TU EF
            Original Creditor: WASHINGTON MUTUAL BANK
            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                                   Page 2 of 5
                                                                                                        Booth, Shane
                                     Magnum Mortgage                                                          File #: 463450
                                     28202 Cabot Road, Suite 300                                             Reference #: --
                                     Laguna Niguel                                                     Social #: 612-48-0853


                                                           PUBLIC RECORDS

                                                                   None

                         RECENT INQUIRIES                                                     ALERTS

               Jul 08   FDNG STE                                      Booth, Shane
               Jun 08   UNITED RECOVERY SYSTEM
                                                                      OFAC: No match found.
               Jan 08   CIT BILLME
               Oct 06   BANK OF AMERICA
               Sep 06   BANK OF AMERICA




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                            Page 3 of 5
                                                     DATA SOURCE INFORMATION
                           Booth, Shane

           Names           XP     SHANE R BOOTH                                        612480853
                           TU     SHANE R BOOTH
                           TU                                                          612480853                  DOB:Mar 88
                           TU
                           EF     SHANE BOOTH                                          612480853                  DOB:Mar 88


           Addresses       XP     3711 GREEN AVE APT A, LOS ALAMITOS, CA, 90720-3226               Since:May 04, until:Nov 06
                           TU     3711 GREEN Avenue A, LOS ALAMITOS, CA, 90720                     until:Nov 06
                           EF     3711 GREEN AVE APT A, LOS ALAMITOS, CA, 90720                    until:Jul 06


           Employers




                                                               CREDITORS
           ER SOLUTIONS                                800 SW 39TH ST RENTON, WA 98057                2063224500        206-322-4838
           MBNA AMERICA BANK NA                        400 CHRISTIANA ROAD NEWARK, DE 19713           BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                    Page 4 of 5
 NOTICE TO THE HOME LOAN APPLICANT

 Shane Booth
 22 Brandy Lane
 Aliso Viejo, CA 92656

 In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed 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 on 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 a loan application.

 If you have questions regarding the terms of the loan, contact the lender.

                                             Your credit scores were provided by the following credit reporting agencies:

                                       Trans Union                      Experian                 Equifax Credit Information Services
                                     P.O. Box 2000                  P.O. Box 2002                         P.O. Box 740256
                                    Chester, PA 19022               Allen, TX 75013                      Atlanta, GA 30374
                                      800-916-8800                   888-397-3742                          800-685-1111
                                   www.transunion.com              www.experian.com                      www.equifax.com

 The following information about your credit scores was created on: July 28, 2008

 Applicant: Shane Booth

 Name of Score: Equifax
 Credit Score: 499
 Key Factors affecting the score:
 -Serious delinquency, public record or collection
 -Number of accounts with delinquency
 -Length of time accounts have been established
 -Time since delinquency is too recent or unknown

 Name of Score: Trans Union
 Credit Score: 543
 Key Factors affecting the score:
 -Serious delinquency
 -Number of accounts with delinquency
 -Amount owed on revolving accounts is too high
 -Length of time accounts have been established
 -Derogatory in File

 Name of Score: Experian
 Credit Score: 537
 Key Factors affecting the score:
 -Serious delinquency, public record or collection
 -Too many accounts with delinquency
 -Balance owed on revolving accounts is high
 -Length of time accounts have been open




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                        Page 5 of 5
                                                                                                                      Merged Credit Report
                                                                                                                       Equifax Experian TransUnion



            File #:              463452
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 28, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   JH-Boswell


                                                                    BORROWER INFORMATION

            ADDRESS:             11259 Park Street
                                 Cerritos, CA 90703

            BORROWER:            Kristopher Boswell
                                 622-18-5261



                                                                            SCORE MODELS

               770       EXPERIAN, FICO v2

               008     Too many inquiries in the past 12 months
               010     Balance owed on revolving accounts is high
               014     Length of time accounts have been open
               001     Amount owed on accounts is too high

               780       TRANS UNION, FICO Classic 04

               027     Too few accounts currently paid as agreed
               011     Amount owed on revolving accounts is too high
               004     Lack of recent installment loan information
               010     Amount owed on revolving accounts is too high


               765       EQUIFAX, Beacon 5.0 FACTA

               019     Too few accounts currently paid as agreed
               011     Amount owed on revolving accounts is too high
               032     Lack of recent installment loan information
               014     Length of time accounts have been established

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                   Past Due



             Revolving                    1                        20,000                2,809                   28                       0




            TOTALS:                      1                    $20,000                   $2,809                   $28                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                  Page 1 of 5
                                                                                                                  Boswell, Kristopher
                                        Magnum Mortgage                                                                      File #: 463452
                                        28202 Cabot Road, Suite 300                                                         Reference #: --
                                        Laguna Niguel, CA 92677                                                       Social #: 622-18-5261

                                                                CREDIT HISTORY

                                            Type     Reported         Hi Credit   Payment    MR   30    60   90          Status
            Who              Creditor
                                            Term     Opened           Balance     Past Due        DLA                   Bureaus

                  CAP ONE                     Rev.     Jul 08          $20,000      $28      86    0    0    0         as agreed
            B-A
                  529149735134                  -      Jun 01          $2,809         0           Jun 08               XP TU EF




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                           Page 2 of 5
                                                         DATA SOURCE INFORMATION
                              Boswell, Kristopher

           Names              XP      KRISTOPHER B BOSWELL                                622185261
                              TU      KRISTOPHER B BOSWELL
                              TU                                                          622185261
                              TU
                              EF      KRISTOPHER B BOSWELL                                622185261


           Addresses          XP     11259 PARK ST, CERRITOS, CA, 90703-1633                          Since:Jun 06, until:Apr 07
                              TU     11259 PARK Street, CERRITOS, CA, 90703                           until:Apr 07
                              EF     11259 PARK ST, CERRITOS, CA, 90703                               until:Apr 07


           Employers




                                                                   CREDITORS
           CAPITAL ONE BANK                                PO BOX 85064 GLEN ALLEN, VA 23058             BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                Page 4 of 5
                                                                                                                    Merged Credit Report
                                                                                                                     Equifax Experian TransUnion



            File #:              463454
            Account #:           2624-1-0                                         Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                  Date:          July 28, 2008
                                 28202 Cabot Road, Suite 300                      Reference:     --
                                 Laguna Niguel, CA 92677                          Loan Number:   JH-Brent Boswell


                                                                    BORROWER INFORMATION

            ADDRESS:             136 Electric Avenue
                                 Seal Beach, CA 90740

            BORROWER:            Brent Boswell
                                 622-18-6234



                                                                            SCORE MODELS

               716       EXPERIAN, FICO v2

               039     Serious delinquency
               014     Length of time accounts have been open
               018     Too many accounts with delinquency
               005     Too many accounts with balances

               693       TRANS UNION, FICO Classic 98

               039     Serious delinquency
               005     Too many accounts with balances
               014     Length of time accounts have been established
               018     Number of accounts with delinquency


               691       EQUIFAX, Beacon 5.0 FACTA

               039     Serious delinquency
               012     Revolving accounts are too recent
               018     Number of accounts with delinquency
               010     High balance owed on revolving accounts

             (all scores can be verified at v2.fundingsuite.com)



                                                                            TRADE SUMMARY




                                          #              High Credit                 Balance           Payment                 Past Due

             Revolving                    4                        30,400                2,055                 67                       0

             Education                    2                         6,625                2,998                  0                       0



            TOTALS:                      6                    $37,025                   $5,053                 $67                     $0




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                Page 1 of 5
                                                                                                                              Boswell, Brent
                                               Magnum Mortgage                                                                        File #: 463454
                                               28202 Cabot Road, Suite 300                                                           Reference #: --
                                               Laguna Niguel, CA 92677                                                        Social #: 622-18-6234

                                                                       CREDIT HISTORY

                                                   Type     Reported         Hi Credit   Payment    MR    30      60   90         Status
            Who                   Creditor
                                                   Term     Opened           Balance     Past Due         DLA                    Bureaus

                  WELLS FARGO ED FIN SVC             Edu.     Jun 08          $2,625        0       17    0       0    0        as agreed
            B-I
                  176353877919                         -     Feb 07           $2,625        0                 -                 XP TU EF

                  WELLS FARGO BANK                   Rev.     Jul 08          $2,000       $41      33    0       0    0        as agreed
            B-I
                  4465400029                           -      Oct 05          $1,761        0            Jun 08                 XP TU EF

                  WELLS FARGO ED FIN SVC             Edu.     Jun 08          $4,000        0       17    0       0    0        as agreed
            B-I
                  176353877919                         -     Feb 07            $373         0            Mar 08                 XP TU EF

                  HSBC BANK                          Rev.    Jun 08            $400        $16      24    0       0    0        as agreed
            B-I
                  0006921494                           -      Jun 06           $294         0            Jun 08                 XP TU EF

                  CHASE                              Rev.     Jul 08          $25,000        0      40    0       0    0        as agreed
            B-A
                  435787747006                         -      Apr 05             0           0           May 08                 XP TU EF

                  CIT BANK/DFS                       Rev.     Jun 08          $3,000        0       31    0       0    0        as agreed
            B-I
                  794501290417                         -     Dec 05              0          0            Dec 06                 XP TU EF

                  MCYDSNB                            Rev.     Jul 08           $200         0       33    1       1    1    closed - as agreed
            B-I
                  490475323                            -     Nov 05              0          0            May 06                 XP TU EF
            Max Delinquent Date: 4/1/2006-90
            Was delinquent 90 days past due date

                  VISDSNB                            Rev.     Jul 08          $4,000        0       33    0       0    0    closed - as agreed
            B-I
                  430851713741                         -     Nov 05              0          0                 -                  XP EF

                  WFB CD SVC                         Rev.     Jul 08             0          0       0     0       0    0           lost
             B
                  446540002173                         -      Oct 05             0          0            Apr 06                  XP EF
            Lost or stolen card




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                    Page 2 of 5
                                                        DATA SOURCE INFORMATION
                            Boswell, Brent

           Names            XP      BRENT E BOSWELL                                         622186234
                            TU      BRENT E BOSWELL
                            TU                                                              622186234                  DOB:Nov 85
                            TU
                            EF      BRENT E BOSWELL                                         622186234                  DOB:Nov 85


           Addresses        XP      136 ELECTRIC AVE, SEAL BEACH, CA, 90740-5914                        Since:Oct 07, until:Dec 07
                            XP      30804 AVENIDA DE LA VIS, SAN JUAN CAPISTRANO, CA, 92675-2675        Since:Sep 07, until:Sep 07
                            XP      18943 VICKIE AVE APT UNIT15, CERRITOS, CA, 90703-6256               Since:Mar 07, until:Mar 07
                            TU      11259 PARK Street, CERRITOS, CA, 90703                              until:Aug 03
                            TU      136 ELECTRIC Avenue, SEAL BEACH, CA, 90740                          until:Oct 07
                            TU      18943 VICKIE Avenue 15, CERRITOS, CA, 90703
                            EF      136 ELECTRIC AVE, SEAL BEACH, CA, 90740                             until:Oct 07
                            EF      18943 VICKIE AVE APT 15, CERRITOS, CA, 90703                        until:Aug 06
                            EF      11259 PARK ST, CERRITOS, CA, 90703                                  until:Aug 03


           Employers        XP      CINGULAR
                            XP      DELL




                                                                  CREDITORS
           WFB CD SVC                                     P.O. BOX 3696 PORTLAND OR 97208                  877-778-5697
           MCYDSNB                                        9111 DUKE BLVD MASON, OH 45040                   8004586229
           WELLS FARGO BANK                               PO BOX 5445 PORTLAND, OR 97228                   8777785697
           DELL FINANCIAL SVCS/CI                         3500A WADLEY PL AUSTIN, TX 78728                 9999999999
           VISDSNB                                        9111 DUKE BLVD MASON, OH 45040                   8002678472
           CHASE                                          800 BROOKSEDGE BLVD WESTERVILLE, OH 43081 8009559900
           WELLS FARGO ED FIN SVC                         301 E 58TH ST N SIOUX FALLS, SD 57104     8006583567
           WELLS FARGO ED FIN SVC                         301 E 58TH ST N SIOUX FALLS, SD 57104            8006583567
           HSBC NV                                        PO BOX 19360 SALINAS, CA 93901                   8004776000




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                  Page 4 of 5
                                                                                                                   Merged Credit Report
                                                                                                                    Equifax Experian TransUnion



            File #:              463450
            Account #:           2624-1-0                                       Ordered By:    Jessie Hunter
            Prepared for:        Magnum Mortgage                                Date:          July 28, 2008
                                 28202 Cabot Road, Suite 300                    Reference:     --
                                 Laguna Niguel, CA 92677                        Loan Number:   JH-Booth


                                                                   BORROWER INFORMATION

            ADDRESS:             22 Brandy Lane
                                 Aliso Viejo, CA 92656

            BORROWER:            Shane Booth
                                 612-48-0853



                                                                          SCORE MODELS

               537        EXPERIAN, FICO v2

               038     Serious delinquency, public record or collection
               018     Too many accounts with delinquency
               010     Balance owed on revolving accounts is high
               014     Length of time accounts have been open

               543        TRANS UNION, FICO Classic 95

               022     Serious delinquency
               018     Number of accounts with delinquency
               010     Amount owed on revolving accounts is too high
               014     Length of time accounts have been established


               499        EQUIFAX, Beacon 5.0 FACTA

               038     Serious delinquency, public record or collection
               018     Number of accounts with delinquency
               014     Length of time accounts have been established
               013     Time since delinquency is too recent or unknown

             (all scores can be verified at v2.fundingsuite.com)



                                                                          TRADE SUMMARY




                                          #              High Credit               Balance           Payment                  Past Due



             Collection                   1                        410                  410                    0                     410




            TOTALS:                      1                         $410                 $410                   $0                   $410




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                               Page 1 of 5
                                                                                                                                            Booth, Shane
                                                 Magnum Mortgage                                                                                     File #: 463450
                                                 28202 Cabot Road, Suite 300                                                                        Reference #: --
                                                 Laguna Niguel, CA 92677                                                                   Social #: 612-48-0853

                                                                           CREDIT HISTORY

                                                      Type     Reported        Hi Credit       Payment       MR    30       60   90               Status
            Who                Creditor
                                                      Term      Opened         Balance         Past Due             DLA                       Bureaus

                  BANK OF AMERICA                       Rev.     May 08          $500              0          18    1       1    3     closed - delinq120+
            B-I
                  6706                                    -      Nov 06          $870             $285             Jun 07                   XP TU EF
            Late Dates: Dec 07/90, Nov 07/90, Oct 07/90, Sep 07/60, Aug 07/30
            Account delinquent 150 days past due date

                  ER SOLUTIONS                          Coll     Feb 08           $410              0         1     0       0    0      closed - collection
            B-I
                  42390769                                -       Jan 08          $410            $410                  -                   XP TU EF
            Original Creditor: WASHINGTON MUTUAL BANK
            Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                                                   Page 2 of 5
                                                     DATA SOURCE INFORMATION
                           Booth, Shane

           Names           XP     SHANE R BOOTH                                        612480853
                           TU     SHANE R BOOTH
                           TU                                                          612480853                  DOB:Mar 88
                           TU
                           EF     SHANE BOOTH                                          612480853                  DOB:Mar 88


           Addresses       XP     3711 GREEN AVE APT A, LOS ALAMITOS, CA, 90720-3226               Since:May 04, until:Nov 06
                           TU     3711 GREEN Avenue A, LOS ALAMITOS, CA, 90720                     until:Nov 06
                           EF     3711 GREEN AVE APT A, LOS ALAMITOS, CA, 90720                    until:Jul 06


           Employers




                                                               CREDITORS
           ER SOLUTIONS                                800 SW 39TH ST RENTON, WA 98057                2063224500        206-322-4838
           MBNA AMERICA BANK NA                        400 CHRISTIANA ROAD NEWARK, DE 19713           BYMAILONLY




Funding Suite, 4520 Executive Drive., #215, San Diego, CA 92121 - P: 800-848-3162 - F: 858-824-9213                                    Page 4 of 5

				
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