Borrower Information Sheet.

Referring Individual:
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Authorization to pull credit. OK to Esign:

Gil Signature Date

Kerkbashian
(888) 722-4050
Mortgage Banking Since 1997
NMLS 197757 / 031.0034768
Signature Date
Items needed for a full preapproval. Please send legible copies to avoid delays:
1) Completed fact sheet. Realestateloans.com/gilsapp.pdf
2) 2 years Federal tax returns with all schedules, W2s and 1099s.
3) Last 30 days paystubs.
4) Last 60 days official bank and retirement statements all pages numbered even if blank. Avoid
screen shots whenever possible.
5) Legible copy of your drivers licenses with extensions.
6) Full bankruptcy papers and discharge documentation (if applicable)
7) Mortgage payment statements on other owned real estate
8) Ask Gil to open a Transfer safe box for you to securely upload documentation.

Notes

Do you have any non payroll deposits in your bank accounts? If so can please explain the source and
amount:

Have you ever had a foreclosure, short sale or bankruptcy?:

Bankruptcy: yes or no Date discharged

Prior property impacted: yes or no Date of occurrence:

Have you recently had credit inquiries? If so please explain the reason and if any new accounts were
opened:

If you’ve been at your job for less than 2 years. Please list companies and dates of prior employment:

Is there anything special you’d like me to keep in mind while secure your mortgage?
IMPORTANT OVERVIEW:

In the next few days or weeks you'll be looking at a handful of homes. One will catch your
eye and you want to be completely prepared to make a strong offer. Most sellers give higher
priority to buyers who have secured a full Home Loan Prequalification Review over
homebuyers that have only been "phone qualified". A full prequalification review with assets,
income and credit verification is the highest level of preparedness.

Do's and don'ts quick list:

1) Return documentation quickly. Disclosures, contracts and forms are time sensitive.
2) No "cash, non-payroll or mattress money" should be introduced into any part of the
transaction without a prior discussion.
3) Postpone all large or new credit purchases until after your loan closes. All debt is re-
verified prior to loan close.
4) Notify me immediately in the event of a job change.
5) Don't take any cash advances on your credit card(s) or personal loans.
6) Don't allow any additional inquiries or credit checks.
7) Do not open or close any credit or bank accounts.
8) Continue to make ALL of your payments as agreed.
9) Request your rate lock via email.
10) Please send legible official bank, income and other documentation. Avoid screen shots.

Your loan will be underwritten to nationally accepted mortgage guidelines. The investor is
lending a great deal of money, please don't "self-underwrite" your loan. Be prepared to
offer all paperwork that is asked of you all the way to the day of close. A lot of money and
trust is being conveyed to you- please don't take the loan or process for granted. Gathering
paperwork is a good tradeoff for all the funds you will be receiving.

Be mindful that all lenders conduct quality control checks. Expect a call to verify your
employer for verification of employment.

Are you receiving down payment assistance from an outside source? Please be prepared to
document all non-payroll deposits: 1) Ask for an official Gift letter, 2) donors bank statement,
3) bank statement to show the deposit was captured to your account, 4) copy of the gift check
post deposit front and back from donor showing it went through the bank processing center
and 5) copy of the donors bank statement showing the gift check clearing.

Stay flexible in your closing timeline in case your closing is delayed. Once the purchase
contract is accepted an appraisal deposit is required. The cost of the appraisal will be
credited to you at closing.

After all of the above procedural stuff is said and done, what really matters is... The season to
enjoy your own home is coming and what a wonderful time to make the transition!!!