Dear Prospective Homebuyer:

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1 Dear Prospective Homebuyer: Thank you for expressing interest in the single family homes NHS Redevelopment Corporation has for sale. These affordable, rehabilitated homes are being sold through our NeighborHomes program. We call this program NeighborHomes because we are revitalizing entire neighborhoods as we rehabilitate individual homes. This program utilizes subsidies that allow NHS Redevelopment Corporation to renovate homes to a high standard of quality and sell them at affordable prices. Certain income and residency requirements apply. NHS Redevelopment Corporation (NHSRC) is a subsidiary of Neighborhood Housing Services of Chicago, Inc. (NHS) that buys and redevelops single and multifamily properties and builds new homes. Our activity is strategically targeted to support the work of neighborhood based programs and promote neighborhood development. As the developer of NeighborHomes, we are dedicated to making your home-buying process a smooth one. NHS Redevelopment Corporation can offer you more than a quality rehabbed home. Our NHS of Chicago neighborhood offices provide pre-qualification analysis, referrals for credit counseling, homebuyer education, HB 4050 counseling and referrals to many bank and City mortgage programs. We also offer several loan products to facilitate your home-purchase through our Neighborhood Lending Services subsidiary. We want your home-buying experience to be an enjoyable one and we will help you every step of the way. We are proud to offer such high quality and affordable homes. We feel that a NeighborHome is a home you and your family will enjoy for many years to come. Enclosed you will find a NeighborHome Purchasing Application package. This application will take about 10 minutes for you to complete. Please return your completed application to Bryan Esenberg, NeighborHomes Manager, via fax to ( ) or mail to: NHS 1279 N. Milwaukee, Chicago, IL Within 48 hours you will know if you meet the income guidelines for our programs and be one step closer to purchasing your NeighborHome. Once again we thank you for your interest. Sincerely, Bryan Esenberg NeighborHomes Manager NHS Redevelopment Corporation

2 NeighborHome Purchasing Process Neighborhood Housing Services (NHS) is able to offer quality homes at affordable prices by partnering with the City of Chicago and federal programs which subsidize some of the costs associated with rehabilitating homes in Chicago. These programs (Asset Control Area 2, Chicago Homeownership Rehabilitation Initiative Program, Troubled Building Initiative II and the Lawndale Restoration) require purchasers to fall within designated income guidelines. Buyers wishing to submit an offer to purchase a NeighborHome must first provide proof of income. Determining your position within the income guidelines is a quick process and is dependent upon your submission of the following complete documents: Application form. Mortgage pre-approval letter on lender s letterhead (if available). Household size affidavit and member list. All household members over age 18 must provide: o One month of recent pay stubs. o W-2s, 1099s or other proof of income for the last two years. o Signed tax returns for the last two years. o A no income affidavit (if household member earns no income) Submit complete application to Bryan Esenberg, NeighborHomes Manager, via fax to ( ) or mail to: NHS 1279 N. Milwaukee, Chicago, IL Within 48 hours of receipt of your application and all required supporting documentation, NHS will inform you of which NeighborHomes are available for you to purchase based on your position within the income guidelines. This notification will not proceed if application is submitted without all necessary documents. Once you have completed the income guideline process and received a mortgage pre-approval letter from your lender, you may make an offer to purchase a NeighborHome property. Submit the Offer to Purchase Real Estate Form, along with proof of financing (pre-approval letter) and the income notification letter issued by NHSRC via fax to Rhonda Prichett at All purchase offers are considered on a weekly basis. The weekly offer period ends every Tuesday at 4 p.m. Upon confirmation that your offer to purchase has been accepted by NHSRC staff, you will have 48 hours to sign the sales contract and addenda. An earnest deposit of $1,000 per unit is required at contract signing. All buyers are also required to attend a HUD certified homebuyers education class. NHS offers free classes at several of our neighborhood offices. Within 45 days after contract signing, you will close on your NeighborHome. Please remember: you must be the owner-occupant of the NeighborHome you purchase throughout the required residency period (3-5 years depending upon the property).

3 Income and Residency Guidelines Asset Control Area (ACA2) Household income less than 115% of area median (see chart below). Property must be the owner s primary residence for 3 years. Police Officers/Teachers: income requirement waived for ACA2 properties. Property must be owner s primary residence for 1 year. Chicago Homeownership Rehabilitation Initiative Program (CHiRP) Household income less than 115% of area median (see chart below). Property must be the owner s primary residence for 3 years. Lawndale Restoration Household income less than 115% of area median (see chart below). Sale or lease of property within 20 years of purchase must comply with limits on income and net proceeds set forth by HUD. Troubled Building Initiative II (TBI2) Household income less than 80% of area median (see chart below). Property must be the owner s primary residence for 3 years. Please note: When funds from more than one program are used in the rehabilitation of a property, the income and residency guidelines from the most restrictive program apply. For example, TBI2 guidelines would apply to the purchase of a property incorporating both ACA2 and TBI2 funds Income Guidelines (Effective March 2009) Household Size 30% of 50% of 60% of 80% of 100% of 115% of 1 $15,850 $26,400 $31,680 $42,200 $52,800 $60,700 2 $18,100 $30,150 $36,180 $48,250 $60,300 $69,350 3 $20,350 $33,950 $40,740 $54,250 $67,800 $78,000 4 $22,600 $37,700 $45,240 $60,300 $75,400 $86,700 5 $24,450 $40,700 $48,840 $65,100 $81,400 $93,600 6 $26,250 $43,750 $52,500 $69,950 $87,500 $100,650 7 $28,050 $46,750 $56,100 $74,750 $93,400 $107,400 8 $29,850 $49,750 $59,700 $79,600 $99,500 $114,450 Income Limits are based on Chicago PMSA median income figures of $ 75,400 for a family of four (4). Effective until superseded. Income limits for 30%, 50%, and 80% as published by HUD.Income limits for 60% and 115% extrapolated per HUD methodology following HUD protocols of rounding all income limits to the nearest $50.

4 Preliminary Application for NeighborHome Purchase Name: Phone: Address: Address of NeighborHome you wish to purchase: List Price: Have you received a mortgage pre-approval? Yes No If yes, please attach copy of approval letter. EMPLOYER INFORMATION Employer: Address: Phone: Length of time on job: HOUSEHOLD INCOME INFORMATION Gross household monthly income: Household head s annual income: $ $ HOUSEHOLD INFORMATION Household head s race: Number people in household: The intent of the above information is to determine whether you fall within the income guidelines required to purchase many NHS Redevelopment Corporation properties. Not all properties have income requirements. This information is not being used for mortgage qualification purposes. CERTIFICATION OF ACCURACY The following parties have reviewed the information above and certify, to the best of their knowledge, that the information they have provided is true and accurate. Purchaser Date Purchaser Date Referred by:

5 Affidavit Concerning Household Size I this day of, 2009 hereby state the following: 1. I am interested in purchasing from NHS Redevelopment Corporation ( Developer ) that certain real property commonly known as, Chicago, IL ( property ) 2. That in order to determine my eligibility to purchase the above real property, said developer needs information regarding my family size and members; 3. The number of family members constituting the household that shall reside at the property is. The list of household members is provided below. By: Signature Signature Household Members: Name Age Relationship to purchaser Head of Household

6 Affidavit of Buyer Re: No Income The undersigned, as an essential part of an application to determine the undersigned s eligibility to participate in the NeighborHomes Program, hereby declares and states the following: 1) My current annual income is $. 2) My income is such that I was not required to file Federal or State income tax return for tax years 2007 and ) I, am not currently employed, nor have not been employed, during the calendar years 2007 and Furthermore at this time I do not anticipate seeking employment until I. - OR - 4) I am a full-time. 5) I acknowledge that I have been advised that the making of any misrepresentation or misstatement in this affidavit will constitute an EVENT OF DEFAULT under the Program and entitles the holder to seek appropriate remedies. Signature: Date:

7 Offer to Purchase Real Estate BE IT KNOWN, the undersigned, (Buyer), offers to purchase from NHS Redevelopment Corporation (Owner), real estate known as, City of Chicago, County of Cook, State of Illinois. The purchase price offered is $ This offer is conditional upon the following terms: 1. This offer is subject to Buyer meeting the eligibility requirements of the NeighborHomes programs, and proof thereof is being attached to this offer. 2. This offer is further subject to Buyer providing proof of financing (pre-approval letter) attached hereto, with a firm commitment to follow no later than 10 days from execution of the sales contract. 3. This is further subject to Buyer obtaining a satisfactory home inspection report within days of contract execution. 4. Said property is to be sold AS-IS (including garage, if applicable) outside of standard punch-list items, free and clear of all encumbrances, by good and marketable title, with full possession to said property available to Buyer at date of closing. 5. The parties agree to execute a standard purchase and sales agreement according to the terms of this agreement with 48 hours of acceptance of this offer. 6. I/We am/are represented by who is requesting a commission of %. 7. The list price of the property is. 8. This offer shall remain open until o clock am/pm,2009 and if not accepted by said time shall be deemed null and void. Buyer Date NHSRC Date Buyer Date

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