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1 !"#$%&%'()#'*+,,#"-&.(*(+,,./0&$/"1()#"0'22 Congratulations on taking the first step in getting pre-approved for a mortgage with The Dan Keller Group at Hometown Lending! In this packet, you will find step-by-step instructions that will allow us to streamline your mortgage pre-approval so that you and your Realtor can move forward with shopping for a home. IMPORTANT: Attached in this packet, you will find a Credit Report Authorization Form, that gives our bank permission to pull your credit, along with a Credit Card Authorization For 3rd Party Services, which due to changing Federal Banking Laws, allows you to pay for, and receive a trimerge copy of your credit report (up to $44). Once you proceed with a purchase, the same Credit Card Authorization will allow you to pay for your appraisal report ($450 to $525 depending on loan type). PLEASE NOTE: If the seller is paying your closing costs, both of those items are refundable at closing. +,,.3(41./1'(*(5'06#'(41./1'(+,,./0&$/"17 STEP ONE Go to and complete the secure online application. We have provided a short intro video on the right, to further explain the pre-approval process. ).'&2'(8&$9'#($9'(:"..";/1%(<"06='1$27 STEP TWO STEP THREE! Valid copy of Driverʼs License & Social Security Card! 2009 W-2 and 2009 Tax Return! 2010 W-2 and 2010 Tax Returns! Two most recent pay stubs (30 consecutive days worth)! Two most recent bank statements (60 consecutive days worth) - All pages please. If internet copies, must have date, name, & acct # on it! Two most recent investment (401k, etc) statements (All pages please)! If renting, copy of lease agreement! Please complete the attached Credit Report Authorization Form! Please complete the attached Credit Card Auth For 3rd Party Services 56>=/$(<"06='1$2(:"#(?'-/';7 (1) Scan/ to [email protected] (or) (2) Fax to (800) Please contact me with Questions at: Dan Keller - cell: office: [Jennifer Anderson] (425) The Dan Keller Group, Hometown Lending, a div of TMBG Inc th Ave SE Suite 100 Everett, WA 98208

2 Credit Authorization 1. To all consumer-reporting agencies and to all creditors and depositories of the undersigned: Please be advised that the undersigned, and each of them, has made application to: requesting an extension of credit to the undersigned. Therefore, the undersigned, and each of them, hereby authorizes you to provide credit report and/or a disclosure to Lender or any agent or balance. The undersigned also authorizes you to disclose your deposit or credit experiences with the undersigned to Lender or to third parties. 2. In addition, the undersigned, and each of them, hereby authorizes Lender to disclose to any third party, or any agent or employee thereof, information regarding the deposit or credit experience with any of the undersigned. 3. A photographic or carbon copy of this authorization bearing a photographic or carbon copy of the signature(s) of the undersigned may be deemed to be equivalent to the original hereof and may be used as a duplicate original. Borrower Date Co-Borrower Date Credit Authorization 04/04 ~ Encompass TM from Ellie Mae ~

3 Credit Card Authorization for Third Party Services Credit Card Account Information Name on Card: Type of Card: Credit Card Account #: Expiration Date: Security Code Billing Zip Code (Threedigit number on back of credit card) Billing address, if different from present address: Initial Credit Report The name of the credit reporting company, their contact information and the charges will show on the first page of your credit report. Maximum $30 charge for credit report will be charged. Reissue Credit Report Costs There can be additional credit report charges incurred in the placement and processing of your loan application. Repositories are charging additional fees for reissue of the initial credit report to lenders for their underwriting systems. Reissuing of your credit report does not cause multiple inquiries. The repositories are charging between $4.00 to $7.00, per bureau, per lender for reissue and secondary use fees, plus tax. Customer Service Costs and Rapid Rescore Costs There could also be charges for customer service to correct and/or revise information on the credit report. Customer service charges are up to $10 per account, plus tax. Rapid rescore of your credit report could be up to $35 per person, per account for each repository, plus tax. Your Mortgage Consultant will get your permission before ordering these services. Home Valuation Code of Conduct Law: To help enhance the integrity of the home appraisal process in the mortgage finance industry, in March 2008, Fannie Mae entered into an agreement with the Federal Housing Finance Agency and the New York Attorney General s office to adopt certain policies relating to appraisals for loans. Effective May 1 st, 2009 this applies to all loans delivered to Fannie Mae and Freddie Mac in the United States. Appraisal costs vary between $450-$550. The code requires that an appraiser must be licensed or certified by the state in which the property to be appraised is located. The lender / broker is required to provide a copy of the appraisal to the client no less than three business days prior to closing. The law requires the appraisal be paid directly by the lender. Therefore most lenders require the client pay for the appraisal in advance to cover this cost. The lender selection of the appraisal must be done through a random selection process and / or be ordered through a National Appraisal Service. Neither the lender nor the Loan Officer are allowed to directly interact with the assigned appraiser. A lender may be willing to accept an appraisal from a different lender however they may reject the appraisal based upon the appraisal being ordered through a vendor they do not have a relationship with. There is a quality control component that is required on all appraisal services. I hereby authorize charges to my credit card for third party services necessary to process my (our) loan. Authorized Signature: Date Authorization to Charge My Credit Card For Third Party Services 06/11 TMBG, Inc.

4 Dan Keller s The Dan Keller Group - Loan Process Communication Checklist Check off each item as we work toward a smooth & timely closing Loan application completed online date Submit Items Needed For Credit check/pre-approval with Dan Keller date Mortgage Analysis Consultation with Dan Keller to choose best program to meet your needs. date Sign loan application and mortgage disclosures w/ Dan date Purchase & Sale Agreement Submitted To Dan date Home Inspection date (advised) date Loan is submitted to underwriting dept for credit approval date Appraisal ordered (complete within 3 days) COD payment is required date Lender underwrites appraisal and issues a "Conditional Approval" date We gather final conditions from underwriter for full/final approval date Lender reviews conditions and issues "Clear to Close" date Title & Escrow will call to schedule a signing of closing documents date Lender sends closing instructions to title company to create closing documents and HUD (settlement statement) date Review Settlement Statement with Dan 48 hours before Escrow/closing d ate Sign final loan papers at title. Home is your w/in 24 hours of signing date ***Please be sure to bring picture identification to closing*** My Commitment To Communicate: We will call you every Monday with a weekly forecast, and every Friday with an weekly update of achievement. In the meantime, you will be contacted as we continue to check-off additional items and prepare to fund your purchase! It is my goal to take the stress out of buying a home, and to ensure that you have nothing less than an exceptional lending experience with me & my Team! - Dan Keller ORIGINAL CLOSING DATE date Purchases will fund the same day of closing if done early in the day, if not the wire will be received early the next business day. Refinances and cash outs have a "Three Day Right of Rescission" and will not fund until the fourth day after the closing. (Saturdays count in the rescission period, but Sundays do not.) Items Needed Checklist: 2009 & 2010 W-2 s and Tax Returns, 60-days bank and investment account statements, last month s pay stubs, copy of social security card & driver s license, bankruptcy and/ or divorce certificates if applicable Please Do Not Hesitate To Contact Me Directly If You May Have Any Questions

5 FAX TRANSMITTAL SHEET To: Dan Keller From: Company: Date: Total # of Pages: tdkg Hometown Lending Fax# Senderʼs Cell #: (800) Phone # Senderʼs RE: Loan Application Submission Packet Thank you for taking the time to apply for a mortgage with The Dan Keller Group! Now that you have applied, please make sure that the following items have been completed and are enclosed in this fax: Completed Secure Online Mortgage Application - Completed & Signed Credit Authorization (permission to pull credit) Completed & Signed Credit Card Authorization for Third Party Services All Documents Requested On the Items Needed Checklist Once you have submitted the above-mentioned items to me, we will make a best effort to return your completed mortgage pre-approval results within 24 hours. I appreciate and value the opportunity to serve you during your new home purchase! Please do not hesitate to contact me directly if you may have any questions? Dan Keller Dan Keller - MLO# Loan Officer The Dan Keller Group, HOMETOWN LENDING th Ave SE Suite 100 Everett, WA 98208