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Uniform Residential Loan Application

This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable. Co-Borrower information must also be provided (and the appropriate box checked) whenthe income or assets of a person other than the Borrower including the Borrower's spouse will be used as a basis for loan qualification the income or assets of a person other than the "Borrower" (including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has communityproperty rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other personhas community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community propertystate, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower each eagree that we intend to apply for joint credit (sign below):

Borrower Co-Borrower
I. type of mortgage and terms of loan

Mortgage Applied for:
VAConventionalFHAUSDA/Rural Housing ServiceOther

Agency Case Number

Lender Case Number

Amount

Interest Rate

No. of Months

Amortization Type:
Fixed RateGPMOtherARM (type)

II. Property information and purpose loan

Subject Property Address

No. of Units

Legal Description of Subject Property (attach description if necessary

Year Built

Purpose of Loan:
PurchaseConstructionRefinanceConstruction-Permanent
Other:

Property will be:
Primary ResidenceSecondary ResidenceInvestment

Complete this line if construction or construction-permanent loan.

Year Lot Acquired

Original Cost
$

Amoutn Existing Liens
$

Purpose of Refinance

Describe Improvements
MadeTo be made
Cost: $

Title will be held in what Name(s)

Manner in which Title will be held

Estate will be held in:
Fee SimpleLeasehold (show expiration date)

Source of Down Payment, Settlement Charges and/or Subordiante Financing (explain)

III. Borrower information
Borrower

Borrower's Name (include Jr. or Sr. if applicable)

Social Security

Home Phone (incl. area code)

DOB (mm/dd/yyy)

Yrs. School

Married (includes registered domestic partners)Unmarried (includes single, divorced, widowed)Separated

Dependents (not listed by Co-Borrower)
No.
Ages

Present Address (street, city, state, ZIP/country)

ownrent
No. Yrs.

/United States

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP)
[text-area borrower-former-address]
ownrent
No. Yrs.

Former Address (street, city, state, ZIP)
[text-area borrower-former-address]
ownrent
No. Yrs.

Co-Borrower

Borrower's Name (include Jr. or Sr. if applicable)

Social Security

Home Phone (incl. area code)

DOB (mm/dd/yyy)

Yrs. School

Married (includes registered domestic partners)Unmarried (includes single, divorced, widowed)Separated

Dependents (not listed by Co-Borrower)
No.
Ages

Present Address (street, city, state, ZIP/country)

ownrent
No. Yrs.

/United States

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP)
[text-area co-borrower-former-address]
ownrent
No. Yrs.

Former Address (street, city, state, ZIP)
[text-area borrower-former-address]
ownrent
No. Yrs.

IV. Employment information
Borrower

Name & Address of Employer

Self-EmployedSelf-Employed

Yrs on this job

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone (incl. area code)

If employed in current postion for less than two years or if currently employed inmore than one position, complete the following:

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Co-Borrower

Name & Address of Employer

Self-EmployedSelf-Employed

Yrs on this job

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone (incl. area code)

If employed in current postion for less than two years or if currently employed inmore than one position, complete the following:

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

Name & Address of Employer

Self-EmployedSelf-Employed

Date (from-to)

Monthly Income

Position/Title/Type of Business

Business Phone (incl. area code)

v. monthly income and combined housing expense information
Gross
Monthly Income
Borrower Co-borrower Total Combined Monthly
Housing Expense
Present Proposed
Base Empl. Income* $ $ $ Rent $
Overtime First Mortgage (P&I)
Bonuses Other Financing (P&I)
Commissions Hazard Insurance
Dividends/Interest Real Estate Taxes
Net Rental Income Mortgage Insurance
Other (before Homeowner Assn. Dues
completing.
see the notice in "describe
other income,"below)
Other:
Total $ $ $ Total $ $

* Self Employed Borrower(s) may be required to provide additonal documentation such as tax returns and financial statements.

Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

B/C   Monthly Amount
    $
     
     
Borrower
Co-Borrower
VI. ASSETS AND LIABILITIES

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers if their assets and liabilities are sufficiently joined
so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section
was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed by that spouse or other person also.

Description ASSESTS Cash or
Market Value
Cash deposit toward purchase held by:
$
List checking and savings accounts below
Name and address of Bank, S&L, or Credit Union
Acct. no. $
Name and address of Bank, S&L, or Credit Union
Acct. no. $
Name and address of Bank, S&L, or Credit Union
Acct. no. $
Stocks & Bonds (Company
name/number description)
$
LIfe insurance net cash value
Face amount: $
$
Subtotal Liquid Assets $
Real estate owned (enter market value
from schedule of real estate owned)
$
Vested interest in retirement fund $
Net worth of business(es) owned
(attach financial statement)
$
Automobiles owned (make and year)
$
Other Assets (itemize)
$
Total Assets a. $
Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.
Liabilities Monthly Payment & Months Left to Pay Unpaid Balance
Name and address of Company

Acct.no.
$ Payment/Months
$
Name and address of Company

Acct.no.
$ Payment/Months
$
Name and address of Company

Acct.no.
$ Payment/Months
$
Name and address of Company

Acct.no.
$ Payment/Months
$
Name and address of Company

Acct.no.
$ Payment/Months
$
Name and address of Company

Acct.no.
$ Payment/Months
$
Alimony/Child Support/Separate
Maintenance Payments Owed to:
$  
Job-Related Expense (child care, union dues, etc.)
$  
Total-Monthly Payments $  
Net Worth(a minus b) => $
Total Liabilities b. $

Schedule of Real Estate Owned (if additional properties are owned, use continuation sheet)

Property Address (enter S if sold, PS if pending
sale or R if rental being for income)
Type of
Property
Present
Market Value
Amount of
Mortgages & Liens
Gross
Rental Income
Mortgage
Payments
Insurance
Maintenance,
Taxes & Misc.
Net
Rental Income
  $ $ $ $ $ $
 
 
    Total $ $ $ $ $ $

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

Alternate Name Creditor Name Account Name

VII. DETAILS OF TRANSACTION
a. Purchase price $
b. Alterations, improvements, repairs $
c. Land (if acquired separately) $
d. Refinance (inc. debts to be paid off) $
e. Estimated prepaid items $
f. Estimated closing costs $
g. PMI, MIP, Funding Fee $
h.Discount (if Borrower will pay) $
i. Total costs (add items a through h) $
j. Subordinate financinge $
k. Borrwer's closing costs paid by Seller $
l. Other Credits Explain
$
m. Loan amount (exclude PMI, MIP,
Funding Fee financed)
$
n. PMI, MIP, Funding Fee financed $
o. Loan amount (add m & n) $
p. Cash from/to Borrower (subtract j, k, l & 0 from i) $
VIII. DECLARATIONS
If you answer "Yes" to any questions a through i,
please use continuation sheet for explanation.
Borrower Co-Borrower
a. Are there any outstanding judgments against you? YesNo YesNo
b. Have you been declared bankrupt within the past 7 years? YesNo YesNo
c. Have you had property foreclosed upon or given title or deed in lieu therof in the last 7 years? YesNo YesNo
d. Are you a party ot a lawsuit? YesNo YesNo
e. Have you directly or indriectly been obligated on any loan which resulted in
foreclosure, transfer of title in lieu of foreclosure, or judgement?
YesNo YesNo
(This would include such loans as home mortgage loans, SBA loans, home improvement
loans, educational loans, manufactured (mobile) home loans, any mortgage, financial
obligation, bond, or loan guarantee. If "Yes," provide details, including date, name, and
address of Lender, FHA or VA case number, if any, and reasons for the action.)
 
f. Are you presently delinquent or in default on any Federal debt or any other
loan, mortgage, financial obligation, bond, or loan guarantee?
If "Yes," give details as described in the preceding question.
YesNo YesNo
g. Are you obligated to pay alimony, child support, or separate maintenance? YesNo YesNo
h. Is any part of the down payment borrowed? YesNo YesNo
i.
Are you a co-maker or endorser on a note?
YesNo YesNo
j. Are you a U.S. citizen? YesNo YesNo
k. Are you a permanent resident alien? YesNo YesNo
l. Do you intend to cocupy the property as your primary residence?
If "Yes," complete question m below"
YesNo YesNo
m. Have you had an ownership interest in a property in the last three years? YesNo YesNo
  (1)     What type of property did you own-principal residence (PR),
second home (SH), or investment property (IP)?
  (2)     How did you hold title to the home-solely by yourself (S),
jointly with your spouse (SP), or jointly with another person (O)?
IX. Acknowledgement and agreement

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors, or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information
contained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this application
or a consumer reporting agency.

Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit. To obtain a copy, I/we must send
Creditor a written request at the mailing address Creditor has provided.Creditor must hear from us no later than ____ days after Creditor notifies me/us about the action taken
on this application, or I/we withdraw this application.

If you would like a copy of the appraisal report, contact: Mortgage Portfolio Services/Outsmart Holdings, LLC 2500 Bettis Boulevard Rollingwood, TX 78746
Borrower's Signature Date Co-Borrower's Signature Date
X. information for government monitoring purposes

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit
opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may
not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you
may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual
observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above
material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

BORROWER I do not wish to furnish this information I do not wish to furning this information ETHNICITY Hispanic or LatinoNot Hispanic or Latino RACE: American Indian or Alaska NativeAsianBlack or African AmericanNative Hawaiian or Other Pacific IslanderWhite SEX FemaleMale
CO-BORROWER I do not wish to furnish this information I do not wish to furning this information ETHNICITY Hispanic or LatinoNot Hispanic or Latino RACE: American Indian or Alaska NativeAsianBlack or African AmericanNative Hawaiian or Other Pacific IslanderWhite SEX FemaleMale

To be Completed by Loan Originator:
This information was provided:
In a face-to-face interviewBy the applicant and submitted by fax or mailIn a telephone interviewBy the applicant and submitted via e-mail or the internet

Loan Origination Company's Name
X
Date
Loan Originator's Name (print or type)
Loan Originator
Loan Originator's Phone Number (including area code)
Loan Origination Company's Name
Mortgage Portfolio Services/Outsmart Holdings, LLC
(P) 512-992-7153 (F) 512-477-7142
Loan Origination Company Identifier
2047
Loan Origination Company's Address
2500 Bettis Boulevard
Rollingwood, TX 78746
Continuation Sheet/Residential Loan Application
Use this continuation sheet if you need
more space to complete the Residential
Loan Application. Mark B for Borrower or
C for Co-Borrower
Borrower:
Co-Borrorwer:
Agency Case Number:
Lender Case Number:

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts
as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.

Borrower's Signature
Date
Co-Borrower's Signature
Date