Bethany Woods, Mortgage Consultant

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1 30.50% housing / 40.04% total DTI 8800 Glacier Hwy, Suite 232, Juneau, AK and does not include utilities or living expenses. Assumes a 680 credit score. This estimate also assumes keeping house payment at 30%. SALES PRICE 295, PRINCIPAL AND INTEREST DOWN PAYMENT 10, % MORTGAGE INSURANCE BASE LOAN AMOUNT 284, TAXES FHA UPFRONT MIP 4, % HAZARD INS LOAN AMOUNT 289, % HOME OWNERS DUES 0.00 TERM (YEARS) 30 TOTAL PAYMENT $ 1, LOAN ORIGINATION FEE 2, **All closing costs and prepaids are DISCOUNT POINTS negotiable between buyer & seller FHA MORTGAGE INS. Financed (4,981.81) 0.00 RECORDING FEE 12 ESCROW CLOSING FEE TITLE INSURANCE - ALTA TITLE INSURANCE - Owners 1, ENGINEER'S INSPECTION 45 Not required, but recommended AS-BUILT SURVEY UPDATE 25 Not required if accurate survey is on file TOTAL $ 6, $ DAYS INTEREST MONTHS TAXES 1, MONTHS HAZARD INSURANCE MONTHS HAZARD INSURANCE TOTAL $ 3, DOWN PAYMENT 10, , , SELLER PAID S 0.00 TOTAL $ 20, THE APPROXIMATE LOAN COST ILLUSTRATION ABOVE DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR THE GOOD FAITH ESTIMATE OF S (GFE) THAT YOU WILL

2 RESI_PIC Bethany Woods, Mortgage Consultant 34.74% housing / 44.28% total DTI 8800 Glacier Hwy, Suite 232, Juneau, AK and does not include utilities or living expenses. Assumes a 680 credit score. This estimate also assumes we are maximizing their debt to income ratio and stretching to get them in the house with 44% total debt to total gross income CONVENTIONAL SALES PRICE $360, PRINCIPAL AND INTEREST DOWN PAYMENT 18, MORTGAGE INSURANCE LOAN AMOUNT $342, TAXES DESIRED LOAN TO VALUE 95% HAZARD INS INTEREST RATE 3.375% Changes Daily HOME OWNERS DUES 0.00 DISCOUNT POINTS 1.375% Credit Score / LTV ASSESSMENTS 0.00 TERM (YEARS) 30 TOTAL PAYMENT $ 2, PROPERTY TYPE 1 LOAN TO VALUE 95.00% LOAN ORIGINATION FEE 3,42 **All closing costs and prepaids are DISCOUNT POINTS 4, negotiable between buyer & seller UP FRONT MORTGAGE INS. RECORDING FEE 12 ESCROW CLOSING FEE 62 TITLE INSURANCE - ALTA TITLE INSURANCE - Owners 1, TAX REGISTRATION APPRAISAL FFE AS-BUILT SURVEY 25 Not required if current survey is on file INSPECTION 45 Not required, but recommended TOTAL $ 12, $ DAYS INTEREST MONTHS TAXES 2, MONTHS HAZARD INSURANCE 1, MONTHS HAZARD INSURANCE MONTH HOME OWNERS ASSOCIATION DUES 0.00 TOTAL $ 4, DOWN PAYMENT $18, $12, $4, EARNEST MONEY $0.00 SELLER PAID S $0.00 TOTAL $34, THE APPROXIMATE LOAN COST ILLUSTRATION ABOVE DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR THE GOOD FAITH ESTIMATE OF S (GFE) THAT YOU WILL RECEIVE ONCE YOU APPLY FOR A LOAN. The information provided above regarding Cost of Closing Fees, Approximate Total Funds Needed To Close and the Approximate Total Monthly Payment are only approximations. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. This is NOT a mortgage loan approval or commitment to lend.

3 8800 Glacier Hwy, Suite 232, Juneau, AK SALES PRICE 351, PRINCIPAL AND INTEREST DOWN PAYMENT 12, % MORTGAGE INSURANCE BASE LOAN AMOUNT 338, TAXES FHA UPFRONT MIP 5, % HAZARD INS LOAN AMOUNT 344, % HOME OWNERS DUES 0.00 TERM (YEARS) 30 TOTAL PAYMENT $ 2, LOAN ORIGINATION FEE 3, **All closing costs and prepaids are DISCOUNT POINTS negotiable between buyer & seller FHA MORTGAGE INS. Financed (5,927.51) 0.00 RECORDING FEE 12 ESCROW CLOSING FEE TITLE INSURANCE - ALTA TITLE INSURANCE - Owners 1, ENGINEER'S INSPECTION 45 Not required, but recommended AS-BUILT SURVEY UPDATE 25 Not required if accurate survey is on file TOTAL $ 7, $ DAYS INTEREST MONTHS TAXES 2, MONTHS HAZARD INSURANCE 1, MONTHS HAZARD INSURANCE TOTAL $ 3, DOWN PAYMENT 12, , , SELLER PAID S 0.00 TOTAL $ 24, THE APPROXIMATE LOAN COST ILLUSTRATION ABOVE DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR THE GOOD FAITH ESTIMATE OF S (GFE) THAT YOU WILL

4 39.81% housing / 49.34% total DTI 8800 Glacier Hwy, Suite 232, Juneau, AK and does not include utilities or living expenses. Assumes a 680 credit score. This estimate assumes we are maximizing their debt to income to get them into a home. SALES PRICE 385, PRINCIPAL AND INTEREST DOWN PAYMENT 13, % MORTGAGE INSURANCE BASE LOAN AMOUNT 371, TAXES FHA UPFRONT MIP 6, % HAZARD INS LOAN AMOUNT 378, % HOME OWNERS DUES 0.00 TERM (YEARS) 30 TOTAL PAYMENT $ 2, LOAN ORIGINATION FEE 3, **All closing costs and prepaids are DISCOUNT POINTS negotiable between buyer & seller FHA MORTGAGE INS. Financed (6,501.69) 0.00 RECORDING FEE 12 ESCROW CLOSING FEE TITLE INSURANCE - ALTA TITLE INSURANCE - Owners 1, ENGINEER'S INSPECTION 45 Not required, but recommended AS-BUILT SURVEY UPDATE 25 Not required if accurate survey is on file TOTAL $ 8, $ DAYS INTEREST MONTHS TAXES 2, MONTHS HAZARD INSURANCE 1, MONTHS HAZARD INSURANCE TOTAL $ 4, DOWN PAYMENT 13, , , SELLER PAID S 0.00 TOTAL $ 26, THE APPROXIMATE LOAN COST ILLUSTRATION ABOVE DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR THE GOOD FAITH ESTIMATE OF S (GFE) THAT YOU WILL

5 RESI_PIC Bethany Woods, Mortgage Consultant 29.43% housing / 38.97% total DTI 8800 Glacier Hwy, Suite 232, Juneau, AK and does not include utilities or living expenses. Assumes a 680 credit score. This estimate assumes we are trying to have their max housing to gross income not exceed 30% CONVENTIONAL SALES PRICE $305, PRINCIPAL AND INTEREST DOWN PAYMENT 15, MORTGAGE INSURANCE LOAN AMOUNT $289, TAXES DESIRED LOAN TO VALUE 95% HAZARD INS INTEREST RATE 3.375% Changes Daily HOME OWNERS DUES 0.00 DISCOUNT POINTS 1.375% Credit Score / LTV ASSESSMENTS 0.00 TERM (YEARS) 30 TOTAL PAYMENT $ 1, PROPERTY TYPE 1 LOAN TO VALUE 95.00% LOAN ORIGINATION FEE 2, **All closing costs and prepaids are DISCOUNT POINTS 3, negotiable between buyer & seller UP FRONT MORTGAGE INS. RECORDING FEE 12 ESCROW CLOSING FEE TITLE INSURANCE - ALTA TITLE INSURANCE - Owners 1, TAX REGISTRATION APPRAISAL FFE AS-BUILT SURVEY 25 Not required if current survey is on file INSPECTION 45 Not required, but recommended TOTAL $ 10, $ DAYS INTEREST MONTHS TAXES 1, MONTHS HAZARD INSURANCE MONTHS HAZARD INSURANCE MONTH HOME OWNERS ASSOCIATION DUES 0.00 TOTAL $ 3, DOWN PAYMENT $15, $10, $3, EARNEST MONEY $0.00 SELLER PAID S $0.00 TOTAL $29, THE APPROXIMATE LOAN COST ILLUSTRATION ABOVE DOES NOT CONSTITUTE AND IS NOT A SUBSTITUTE FOR THE GOOD FAITH ESTIMATE OF S (GFE) THAT YOU WILL RECEIVE ONCE YOU APPLY FOR A LOAN. The information provided above regarding Cost of Closing Fees, Approximate Total Funds Needed To Close and the Approximate Total Monthly Payment are only approximations. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. This is NOT a mortgage loan approval or commitment to lend.