So that we may preliminarily evaluate your request for financing, please provide copies of the following items (for each applicant/loan guarantor*):

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Mildred Howard
8 years ago
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1 Dear Applicant, Thank you for choosing Federal Hill Mortgage Company, Maryland s premier niche mortgage source for investment and commercial properties. So that we may preliminarily evaluate your request for financing, please provide copies of the following items (for each applicant/loan guarantor*): Documents required for preliminary loan evaluation ( Required Documents ): (1) Your completed pages two (2) through five (5) of this FHM Application Packet (2) If available, your 2012 Federal Income Tax Returns (even if in draft form) (3) If you earn self-employment income, your 2011 Individual Federal Income Tax Return and any Business Returns filed for the 2011 Tax Year, together with any K-1s (4) If you currently earn W-2 income: All W-2s for any W-2 income earned in 2012 and For every job which pays you W-2 income, a pay stub dated within the last 30 days. Please send all Required Documents at one time by ing them to my Assistant Tiffany Inches at tinches@fhmllc.com (in.pdf format only; no.jpg files) or by mailing them to: Federal Hill Mortgage Company, LLC (FHM) c/o Tiffany Inches 1021 Patapsco Street Baltimore, MD Please do not send original documents. All documents provided to FHM become the property of FHM. We will contact you by phone or within three business days after receiving your required documents. Sincerely, Tammy Saul Tammy Saul (formerly Lennon) * Please note: If you are applying for a Commercial Loan in the name of an entity, then each individual who owns at least 10% of the borrowing entity must personally guarantee the loan and complete this FHM Application Packet. Guarantors not married to each other must complete separate packets. FHM Application Packet: Page 1 of 5

( Required Documents ): (1) Your completed pages two (2) through five (5) of this FHM Application Packet (2) If available, your 2012 Federal Income Tax Returns (even if in draft form) (3) If you earn

2 Part I Property Information and Refinance Request (1) Property Address and Property type: (2) Desired new loan amount on this refinance: (3) Anticipated Property Value: (4) Monthly rent property receives (or is expected to receive) and lease start date: (5) If property will be held in an entity, name of entity and entity owners (indicate % ownership interest for each): (6) Have you attempted to refinance an investment property within the last six months? If so, identify, for each attempt: (a) property which you attempted to refinance, (b) bank with which you applied to refinance, (c) approximate date of your refinance application, and (d) if applicable, why you were denied for financing: *Do not include loans which closed and which you identify elsewhere in this FHM Application Packet. (7) Name of individual(s) who referred you to FHM: Applicant (Name): Part II - Personal Information Co-Applicant (Name): Home Address (include City, State and Zip): Home Address (include City, State and Zip): Own or rent present address?: Date you moved to this address: Own or rent present address?: Date you moved to this address: If at present residence for less than two years, provide prior most recent 24 month residence history on a separate page. Home Phone No. Social Security No. Date of Birth Home Phone No. Social Security No. Date of Birth Address(es): Address(es): Married Unmarried Separated Married Unmarried Separated No. of Dependants: Ages: No. of Dependants: Ages: Employer: Employer: Address of Employer: Self-Employed Address of Employer: Self-Employed Business Phone No.: No. of Years & Months with this Employer: Business Phone No.: No. of Years & Months with this Employer: Title/Position: Years employed in this line of work/profession: Title/Position: Years employed in this line of work/profession: If employed in current position for less than two years or if currently employed in more than one position, complete the Employment Information section above for additional current employers and for other Employers for whom you have worked in the last 24 months. FHM Application Packet: Page 2 of 5

to refinance an investment property within the last six months?

3 Part III Income and Liquid Assets Annual Income (applicant) Amount ($) Annual Income (co-applicant *) Amount ($) Salary $ Salary $ Bonuses & Commissions Rental Income (Gross) Other Income (List): Bonuses & Commissions (applicant) Rental Income (Gross) Other Income (List): TOTAL ANNUAL INCOME $ TOTAL ANNUAL INCOME $ * If married to applicant. Co-applicant(s) not married to the applicant must complete a separate FHM Application Packet. List all Liquid Assets below or on a separate page. Asset Type (i.e., Checking, Savings) Name of Bank / Institution Current Balance / Value Part IV Real Estate Owned Complete this section only if: (A) You own less than 5 properties and (B) All properties you own are titled in your individual name. If you do not meet these two requirements, complete the chart on the following page instead. Property Address & Month/Year Purchased Current Mortgage Balance Lender Approx Value Monthly Payment Tax & Insurance Expense* Interest Rate Maturity Year FHM Application Packet: Page 3 of 5

4 Please list below all properties that you own or in which you have at least a 5% interest (including the subject property, your primary home and any second homes) even if the property(ies) is/are titled in the name of an LLC/other entity. Include any home equity lines of credit or second mortgages. Real Estate Owned: Complete this page if you own more than 5 properties or if any properties you own are titled in an LLC/other entity. Complete Property Address [include zip code] Name(s) / Entity in which property is titled Date Purchased [Month, Day & Year] Current Balance Lender Market Value Total Rent Principal & Interest Payment Property Taxes Insurance Interest Rate Maturity Year If current payment for any mortgage listed above is escrowed for property tax and insurance, include entire PITI payment in the "Principal and Interest" column above and write the letters "INC" in caps across the Property Tax and Insurance columns. FHM Application Packet: Page 4 of 5

Real Estate Owned: Complete this page if you own more than 5 properties or if any properties you own are titled in an LLC/other entity.

5 Borrower Signature Authorization 1021 Patapsco Street Baltimore, MD We hereby authorize Federal Hill Mortgage Company, LLC (FHM), a licensed Mortgage Lender, to order a consumer credit report as needed to process our mortgage loan application. It is understood that a copy of this form will also serve as authorization. Borrower Social Security Number D.O.B. Address: Borrower Social Security Number D.O.B. Address: _ FHM utilizes a third party provider for consumer credit report ordering services. That third party provider, Cogent Road, Inc., charges the following fees in connection with ordering a consumer credit report for each applicant: Individual tri-merged credit report (one applicant): $ Joint tri-merged credit report (two married* applicants): $ *Credit reports for applicants who are not married to each other must be ordered separately. Credit Report Payment Authorization Visa Master Card Card Number Expiration Date Card Verification Number Amount $ Name as it appears on card: Credit Card Billing Address: Mother s maiden name: Signature: Charge(s) will appear on your credit card billing statement as Cogent Road, Inc and may appear as separate charges or as a single line item charge. FHM Application Packet: Page 5 of 5

O.B. Address: _ FHM utilizes a third party provider for consumer credit report ordering services. That third party provider, Cogent Road, Inc.

You can send requested documents by Fax or Email: FAX: 210-637-4156 EMAIL: mortgageapps@rbfcu.org

You can send requested documents by Fax or Email: FAX: 210-637-4156 EMAIL: mortgageapps@rbfcu.org Mortgage Lending FAX: 210.637.4156 EMAIL: mortgageapps@rbfcu.org Dear Member (s), Thank you for considering RBFCU for your home construction financing needs. To complete your loan transaction, please send