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1 WORKING TOGETHER TO SERVE YOU BETTER The Ross Group Contact Information Rob Ross Senior Loan Officer Direct: Cell: E-FAX: Jaime Young Senior Loan Officer Direct: Cell: E-FAX: Siham Sehnouni Senior Loan Processor Direct: E-FAX:

2 I just wanted to thank you for all the help that you guys gave us during the loan application process you were extremely professional, very patient with us, and as first time home buyers we needed exactly the amount of information and assistance you gave us. I would gladly recommend you to anyone who might care to ask me. -Misha Zhurkin, client Thanks Rob. You ve been very helpful throughout the process and you have a strong work ethic. I will recommend you in the future. -Marc Castellano, client My husband and I felt all along this was the smoothest home purchase we have ever made. You and your staff did a great job adjusting for our needs throughout the process with estimates for different price ranges and even different products -Nancy Saum, client Yesterday, a top realtor, of 20 years, had a settlement and Rob Ross handled the financing. She commented that Rob is the best loan officer that she has had the pleasure of working with. I know just from experience that Rob is always available to us 7 days a week. Now that s commitment! -Rod Rochowiak, realtor Thanks Rob you guys were quick and painless, so I don t know what more I could ask for. -Walt H. Miles, client Thank you again for everything!! You certainly are not just a lender, but a good consultant and a friend!!! I really appreciate your efforts! -Michael Sun, client Excellent Customer Service, Professional, Thorough and Knowledgeable. Those are just a few words I would use to describe working with Jaime Young. She never let me down and was always willing to strive for more on my behalf. It is for those reasons that I will be referring her for years to come. -Shannon Clouden, client Thank you for your patience and incredible help these last two weeks through the loan process. I appreciate how much effort you put into this and also how patient you were with me. I can't imagine having a better way to move to a new place than to have a loan officer like you help me through the financial process. -Daniel Phoenix Singh, client Rob Ross & Jaime Young Phone:(571) E-Fax:(703) rross@potomacmortgagegroup.com jyoung@potomacmortgagegroup.com

3 Congratulations! When buying your home with The Ross Group and PMG, you can also benefit "om special offers "om some of our most trusted business partners. Sam, Denise, Christie and Clarke are a$ folks we know, like and trust! Best wishes for a wonderful future in your new home, and remember: The Ross Group is working together to serve you better! Congratulations on your new home! From attic to basement, your new home will be in good hands with Sam Said and Madonna s Home Services! Enjoy your new home in confidence with customized Homeowners Coverage from Denise David, your Good Neighbor serving VA, DC & MD. Free consultation and estimate, and a $45 discount on your first service visit! Complimentary Consultation! Contact Sam at (571) or , or by at Owner@HateCleaning.com Contact Denise at (703) or by Denise@DeniseDavid.net AUTO HOME LIFE BANK I can help you reach your milestones. I will take the time to listen to you and understand your dreams, then find the appropriate financial solutions that can help you reach your individual goals. For a Complimentary Consultation, call me at (703) Enjoy these special offers from Clarke Mahek and JK Moving Services: $10 per hour discount on local moving rates Up to 62% discount on long distance rates 10% discount on storage rates Discount on international moving rates Christie Nix, CRPC Financial Advisor Contact Clarke at (703) or by at Clarke.Mahek@JKMoving.com Our Advisors. Your Dreams. MORE WITHIN REACHSM * Must present coupon at time of in-home consultation Ameriprise Financial Services, Inc. Rob Ross Senior Loan Officer Potomac Mortgage Group, LLC Proudly serving Virginia, Maryland and the District of Columbia Contact me at (571) or (703) or by rross@potomacmortgagegroup.com PLUS: 10% discount on NEW packing materials Free USED packing materials PMG LLC is licensed by the Virginia State Corporation Commission under license #ML5403.

4 12120 Sunset Hills Road Suite 650 Reston, VA Mortgage Process: What to expect! Start to Finish Note: We must have your supporting loan documents back within 4 days to ensure a smooth loan closing with no delays. 1. Pre-Approval - Contact us to get pre-approved for a specific loan amount. With this information, you will know the size of mortgage you can afford before you start looking for your home. A completed loan application is necessary to obtain a full mortgage approval. (Pre-qual online, in person, or over the phone) 2. Loan Application - As part of your loan application, you will need to provide income documentation and other important asset information. After assembling all of the items on our Application Checklist, you will be able to complete your full application and submit it for processing. We will issue a loan commitment letter before you buy a home that gives you actual purchasing power with a maximum dollar amount that you can afford. 3. Processing - An associate processor verifies the information on your application and makes sure your supporting documents match. Your loan processor will run your file through an automated computer system that generates your initial loan approval. At this point the processor will prepare your loan for underwriting. (Note: additional documents may be requested by processing at this time) 4. Underwriting - An underwriter compares your loan to standard guidelines. If these guidelines are met, an approval and loan commitment are issued. The loan closer will then contact your realtor or builder, and your attorney to arrange your loan closing. (Note: additional documents may be requested by underwriting at this time) 5. Closing - At closing, you will sign the mortgage, promissory note and other required documents transferring ownership from the seller to you. Congratulations! At this point, you are the proud owner of your new home. I can be reached via my cell phone at (703) or Jaime on her direct line at (571) Thanks for your time so far and I look forward to working with you on your mortgage. Please sign and date below acknowledging that you have read and understand this form. Borrower signature: Co-Borrower Signature: Rob Ross Sr. Loan Officer (D) (C) Jaime Young Sr. Loan Officer (D) (C) Rross@PotomacMortgageGroup.com ojyoung@potomacmortgagegroup.com

5 12120 Sunset Hills Road Suite 650 Reston, VA Supporting loan documents Please Read: Please complete and sign the areas that are highlighted on the attached application and disclosure statements. We will also need copies of the documents listed below in order to submit your loan to processing / underwriting. We would like to have these items returned to our office within the next four business days. Upon receipt of these items, we will process your loan application through our automated system. If we require any additional information, we will contact you. List of items needed Copies of your most recent 2 years W2 statements. (If any borrowers are self employed, or receive any commission, bonus, or overtime income, please provide the most recent 2 years signed tax returns both Business & Personal - all pages) Copies of most recent 30 days pay checks. (Must include your name and company name) - Please fill in your work address on your loan application under the employment section. Copies of your most recent bank statements covering a 60-day period. Please be sure to include all pages of your statements. Internet or computer printouts will only be acceptable if your name, your account number and the name of the bank is indicated on the printout. Example Bank Statements Include: - Checking / Savings / Money Market / CD s - Retirement Accounts / 401K / IRA / ROTH / TSP - Stocks / Bonds - Gift Funds: If you are using gift funds for closing please call us to discuss requirements. - Note: If you have any large deposits, other than your normal pay, we will need explanation of where the money came from as well as a paper trail. Provide Insurance agent s name and company contact information. - Single Family / Row or Town Home: Homeowner s Insurance Policy - Condo: HO-6 Condo Policy 20% coverage on sales price required. Rental Lease on any current rental properties owned. If owned for more than 1 year must provide most recent 2 years tax returns. We use your schedule E for rental income. Provide a legible copy of your Driver s License. Have you foreclosed on any real estate in the most recent 3 years? (Circle One) YES / NO -Note: this question is also on page 3 of your loan application in the declarations. The more complete your application is the faster we can get your file approved through processing and underwriting. I can be reached via my cell phone at (703) or my direct office line at (571) Thanks for your time and we look forward to working with you on your mortgage. ** Note: additional documents may be requested by processing or underwriting at any time. Please sign and date below acknowledging that you have read and understand this form. Borrower signature: Co-Borrower Signature: Rob Ross - Sr. Loan Officer (D) (C) Jaime Young - Sr. Loan Officer (D) (C) Rross@PotomacMortgageGroup.com

6 12120 Sunset Hills Road Suite 650 Reston, VA Personal Assets: Loan Breakdown Note: Please complete this form and be as accurate as possible. This must reflect the statements you send back with your full loan application. Assets Include: Gift Funds, Checking, Savings, CD, Money Market, Stocks, IRA, 401K, TSP, Ect... (Account Name) (Account #) (Balance) (Will Use For Cash at Closing) Have you put down an EMD (Earnest # Money Deposit) with $ a contract? YES NO If yes, what account referenced above did you write the check from? Has the check cleared the account? YES NO ATTENTION: If you have any large deposits in your accounts referenced above please call us immediately to discuss. This is any substantial deposit / transfer not typical of your normal pay checks. I can be reached via my cell phone at (703) or my direct line at (571) Thanks for your time so far and I look forward to working with you on your mortgage. Please sign & date below acknowledging that these are the assets you will be using for your loan application. Borrower Signature: Co-Borrower Signature: Rob Ross - Sr. Loan Officer (D) (C) Jaime Young - Sr. Loan Officer (D) (C) Rross@PotomacMortgageGroup.com