ROB LA MONICA President, MobileHomeLoans.com Call 707-346-4331 or 602-922-3399

Rob La Monica has been working in mobile homes and parks since he was a teenager, starting in his dad’s mobile home parks. “My dad saw that there was a need for financing for mobile home borrowers, and

there weren’t really any banks doing it,” Rob says. “So he started doing some lend-ing to help people buy affordable housing.” After graduating college with a degree in business and a specialty in financing, Rob

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Rob La Monica and his team at MobileHomeLoans.com specialize in serving a diverse population in California & Arizona with

an average loan amount of around $100,000.

got his mortgage license and soon started his own company, MobileHomeLoans Serving California & Arizona for the past 20 years, Rob and his team look to help individuals fulfill their dreams of home ownership.

Rob and his team at MHL specialize in serving a diverse

population with an average loan amount of around $100,000. “My mom and dad are immigrants who came over with nothing, and now we live the American dream,” Rob says, “so I love being able to help people get into a home they can afford. We not only guide them through the process step by step, but also teach them about the financing pro-cess and homeownership along the way.”

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The majority of Rob’s business comes from repeat and referral clients, and it’s easy to see why Realtors® and past clients keep referring people to work with him. “We offer great customer service, and if there ever is an issue, we are on top of it,” Rob says. “We’re quick with closing, and we try to make our process as streamlined and as easy as possible not just for the borrower, but for the Realtor® and the escrow company as well.”

Last year, Rob and his team did close to $100 million in loan volume, an incredible achievement considering their average loan amount is $100,000. MHL is not just the largest company of its kind in California & Arizona but in the whole United States.

Rob and his team maintain strong connec-tions with the real estate and mobile home industries. “About 80% of our business comes from Realtors® listing mobile homes

“I love being able to help people get into a home they can afford. We not only guide them through the process step by step, but also teach them about the financing

process and homeownership along the way.”

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and parks, and the other 20% comes from a mobile home dealer; we do the financing for mobile homes off their lot,” he explains. He and his company are active in organizations including CMHI (California Manufactured Housing Institute), MHI (Manufactured Housing Institute), and WMA (Western Manufactured Association).

An important piece of Rob’s 2-decade career is in the mobile home loan business. “I spent 10 years working for the largest mobile home lender in the United states as their Regional Manager and managed a

team of 5 employees” Rob says. “I am the only Mobile Home Loan broker in United states that has worked for one of the larg-est mobile home lenders directly and have a thorough understanding of how all their programs work by spending a decade with their company.” These long-term relation-ships has enabled him to get loans done quicker than any of his competitors.

When he is not working, Rob loves spend-ing time with his family, especially his kids. He lives in the Lake Tahoe region, and enjoys water sports and snow sports.

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In the future, Rob plans to continue offer-ing top-level service and helping first-time homebuyers achieve financial indepen-dence through mobile home ownership. “When you work with people who don’t have a lot of resources and you are able

to help them out of a rental and into a mobile home, they’re really appreciative,” Rob says. “I worked in single-family for a while, but it wasn’t for me. I love the prod-uct, and I love the people. This is what I love doing.”

To find out more about Rob La Monica, call 707-346-4331 or 602-922-3399, email

info@mobilehomeloans.com, or visit him online at www.

MobileHomeLoans.com

Rob La Monica - President

MobileHomeLoans.Com

7/16 to Present

Mobile Home Specific Experience - 25 years - (Broker, Lender, Loan Officer, Asset Manager & Park Owner)

Loan Officer, Underwriter, Broker - Owner MobileHomeLoans.com

Evaluate debt ratio, loan-to-value ratios, credit scores, and property valuations. Analyze credit documents, including but not limited to, mortgage applications, credit history and

income documents, title documents, appraisals and all applicable compliance documents. Review and underwrites new manufactured and mobile home loans and provides decisions to

senior loan officers and managers. Completes due diligence analysis during loan closing process including review of storage

agreements, purchase contract, title reports, notes and security agreements. Manage a team of a team of contract underwriters and processors and communicate decisions

that most effectively mitigate risks in investor lending. Develop marketing Strategies and relationship building with new lenders and portfolio lenders.

12/09 – Present Norcal Contractor Regional Asset Manager 21st Mortgage Corporation - Specializing in Mobile Home Foreclosure

Managed and marketed mixed REO inventory in California, Nevada & Oregon. Developing real estate marketing strategies, management plans, and budgets for REO’s Recommending criteria and performance goals for property disposition and effectively

communicating such information to internal management throughout the ownership cycle Hiring, coordinating, and managing brokers, contractors and on-sight property managers. Process includes ordering the BPO, listing/marketing the property, negotiating offers, while

working with closer/attorney, client, buyer, and title company for successful close of escrow Coordinate with legal/attorney and perform writs/evictions throughout three states. Manage a team and trained a team of 3 Asset Managers throughout California, Nevada &

Oregon

2/05 – 12/09 Direct MH Lender, Loan Officer, Asset Manager/BrokerHome Loan Servicing – Specializing in Mobile Home Loans

Underwrite, Fund, Service and handle foreclosures for a large mixed real estate portfolio. Coordinates the refurbishing and remarketing of repossessions through and established realtor

network. Minimizes and controls losses and expenses incurred as a result of repossessions Cultivates and manages relationships with area realtors to assist in marketing units to end users Maintain solid communication by following up and through with outside contractors and vendors Evaluate options and recommend courses of conduct for selling repossessed or foreclosed

homes.

1/2000 – 02/05 Broker/Partner - California Mobile Home Loans- Specialized in Mobile Home loans

• Originate mortgages for Mobile home purchases, refinance, and new home construction.• Solidify contacts with local realtors, contractors, financial advisors, and other referral sources.• Meet all potential borrowers, and inspect all properties for requested financing.• Review and analyze loan transaction packages for preliminary approval or denial in accordance

with bank guidelines.

Education

Chico State University, Chico, CA 1993 - 1998 Bachelor of Science – Business Administration – Specializing in Real Estate Department Of Real Estate – Broker #1482513 NMLS #493291 Licensed MLO Department of Business Oversight - CFL - Mobile Home Lender License - #60DBO-83829 -AZ LO – 1017872 - AZ Mortgage Broker – 1017813

Mobile Home Park Owner - Currently Own and Operate Multiple Mobile Home Parks in California Have a thorough understanding of Mobile Home Park Law at HCD

EXPECTATIONS OF THE LOAN PROCESS

The loan process is typically 30-45 days. In some instances a loan can be processed in 15 - 30 days.

The purchase of a Mobile Home or Manufactured Home is typically serviced through what is called “escrow”. Escrow is a third party company that handles all documents and funds between the Buyers, Sellers and Finance institution. If you are financing a property you MUST transact through an escrow company. This is a requirement for all lending institutions. There are escrow fees. You will receive a good faith estimate of these fees within roughly one week of your escrow opening. We will also verbally consult you on these fees prior to your opening of escrow.

A Manufactured Housing Lender requires an appraisal. This is a service provided by a certified professional to determine the value of the home. There is a fee. The buyer pays the fee up front directly to the appraiser at time of appraisal.

Dependent upon the transaction, the lending institution can finance all or portions of the escrow fees. We will discuss that in more detail.

A manufactured home loan is a full document transaction. That means that the lending institution will need to verify all applicants employment history, taxes for the recent 2 years, credit and debt history, and verify current income with recent paystubs and 2 years W-2. This information is easy to obtain and I will help guide you along the way.

Occasionally a lending institution will request verification of a document or need something that is specific to your transaction only. The emphasis here is that sometimes things change. At Manufactured Home Mortgage we pride ourselves on the ability to function and overcome these situations, helping you to understand them and obtain all necessary documents or requirements to meet them.

I will always be available for any questions or concerns that you may or will have during your home purchase.

Regards,

Rob La Monica Broker/CEO MobileHomeLoans.Com

MobileHomeLoans.com

Rob La Monica - Broker/Owner - Office - 916 - 256 -2467 - Cell - 707-225-1864

M IS A CALIFORNIA RETAIL MORTGAGE BROKER SPECIALIZING IN THE PURCHASE AND REFINANCE OF SINGLEWIDE, DOUBLEWIDE AND TRIPLEWIDE HOMES IN MOBILE HOME PARKS. 1960 TO 2020 - ELIGIBLE FOR FINANCING OUR EXPERIENCED STAFF HAS BEEN PROVIDING LOANS FOR CALIFORNIA MOBILE HOME BUYERS FOR OVER - 25 YEARS.

IN PARK*(HOME ONLY)

35% DOWN

20% DOWN

15% DOWN

10% DOWN

5% DOWN

MAX TERM

1976 HUD OR NEWER 5.10%/6.70% 5.40%/7.00% 5.80%/6.40% 5.80%/7.40% 6.40/8.00% FIRST 5 YRS./NEXT 15 YRS.

1976 HUD OR NEWER 5.75% 75% 6.00% 6.25 6.5% 20 /23YRS.

PRE-HUD - For step25% min downpayment

6.10%/7.70% 6.40%/8.00% N/A NA NA FIRST 5 YRS./NEXT 15 YRS.

PRE-HUD 7.100% 7.10% 7.50 8.0% 8.5.% 20/23 YRS.

*Total loan fees (Lender/Broker) can range from ZERO to 4.75% - Depending on Lender and Program*All loan fees are financed into the loan including some non -recurring closing costs

PROVIDING MANUFACTURED/MOBILE HOME LOANSIS OUR ONLY BUSINESS!

WE OFFER Four METHODS FOR SUBMITTING A CREDIT APPLICATION:

1. SUBMIT APPLICATION ON-LINE:

2. PRINT AND COMPLETE THE APPLICATION FROM WEBSITE (MobileHomeLoans.com) AND EMAIL info3. Fax Mobile Home Application - 707-306-72864. CALL 650-735-1334 AND WE WILL TAKE THE APPLICATION OVER THE PHONE.

FOR REFERRAL SOURCES ONLY AND NOT FOR DISTRIBUTION TO CONSUMERS. THIS IS NOT AN ADVERTISEMENT TO EXTEND CONSUMER CREDIT. STANDARD CREDITAPPROVAL AND UNDERWRITING CRITERIA APPLY. PROGRAM TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. DO NOT QUOTE RATES OR OTHER CREDIT TERMS TO YOUR APPLICANT PRIOR TO APPROVAL BY MANUFACTURED HOME MORTGAGE. MANUFACTURED HOME MORTGAGE OFFERS CREDIT AT VARIOUS RATES AND OTHER CREDIT TERMS. SHOULD YOU WISH TO NOT RECEIVE THIS INFORMATION, PLEASE CALL, FAX, OR EMAIL FOR DELETION. 09.04.15

Rob La Monica - Broker/Owner - MobileHomeLoans.comOffice - 707-346-4331 - Fax - 707-306-7286

DRE BROKER #02073724 - DBO CFL License #60DBO-83829 - MLO #493291 - MHL NMLS #1706701 ARIZONA LO – 1017872 & ARIZONA MB – 1017813

AaA

ARIZONA'S MANUFACTURED HOME SPECIALIST

Whether you have a purchase or refinance application on a manufactured home, we look at three criteria: Collateral (home value), Credit (do they pay their bills on time) and Capacity (can the customer afford it).

1. Collateral

• Manufactured Home Mortgtage will finance SINGLEWIDES (14’ wide or larger),DOUBLEWIDES and TRIPLEWIDES with or without land. Modular Home financingavailable with land.

• Manufactured Home Mortgage has programs up to 95% of the overall home and landvalue. Credit quality, loan affordability, occupancy type and collateral type willultimately determine the loan-to-value or down payment requirement.

• No age restrictions apply in California• Manufactured Home Mortgage requires the property must be located on a paved road if

the land is financed. A minimum of 20% equity/80% LTV is required for considerationon a non-paved road. We are unable to finance properties with shared wells.

2. Rates

• Rates typically range from 5.00% to 8.50% depending on credit quality, LTV, loanamount, occupancy type and collateral type.

• All of our loans feature Fixed Interest Rates & No Pre-Payment Penalties.

3. Programs

• Purchase, Refinance, Secondary Housing , Buy For Programs and Investment Propertyprograms are available with a maximum loan term of 23 years. Investment 120 years.

• Chattel (home only) or Land Home combination loans are available.• Minimum loan amount is $20,000.• Up to 95% LTV before fees on Owner Occupied and Full Doc loans.• Up to 80% LTV before fees on Secondary Housing and Investment Properties.• Equity Programs are available for applicants scoring less than 600 or with previous

bankruptcy or foreclosures (purchases only). Minimum 10% down payment required.*Secondary Housing and Refinance loans not available with the equity program.

• 50% Housing and 58% Debt To Income Ratios• Debt Consolidation and Home Improvement programs available (based on equity and

customer qualification).• Manufactured Home Mortgage does not require a permanent foundation, survey or

inspection.• Buy for Program, Secondary Housing and Investment Programs require 20%

Downpayment.• No Min on Cash out refinance programs. LTV is based on the Original purchase price.

Max LTV 680+ FICO is 80% and 680 - 65%. No refinance programs available under 600FICO.

• Disposable Monthly Income qualifying allows for higher Debt to income ratios.• Programs for ITIN applicants

“Specializing in Mobile Home Loans” 4. Credit

• No min Credit score is required for purchase programs. 35% down payment required• Min 600 score for Rate & Term or Cash out Refinance programs• Typically if an applicant scores 680+, 5% is the minimum down payment required,

651-575 - down and 575 to no credit scores usually requires 35% down.

5. Value

• Value is determined by using the following methods:A. Mobile Home and Land = 1004C Appraisal

6. Income and Debt Ratio

• Employment Information must be obtained in order to develop the ability to repay andshow stability of income.

• At least two years of employment history must be obtained in each case for 10% and 5%down payment programs.

• One year or min 6 months of employment history must be obtained for 20% downpayment programs.

• A letter of explanation is required for all job gaps more than 30 days.• Income must be verified on every approval using check stubs, W-2’s, 1040’s, etc.• W2 employees must prove income based on two years W2 & YTD pay stubs for the last

30 days.• If the applicant is self-employed, income must be verified with copies of two years Tax

Returns including all supporting Schedules, YTD Profit & Loss, Balance sheet and bankstatements where applicable.

• An IRS form 4506T must be completed and signed by the borrower and sent to 21st

Mortgage for review.• Part-time job income may only be considered with verification that it has been received

consistently for the past two years and is expected to continue.• Child support income may only be considered with verification that it has been received

consistently over the prior twelve months and is expected to continue for 3 years.• Proof and verification of down payment but does not need be sourced. Can be borrowed.• Gifts are allowed for down deposit.• All student loans reporting to the credit bureau will be calculated at 1% of the loan

balance.• Disposable Income Guidelines - 650+ Fico Score applicant needs $1 Dollar in Disposable

Monthly Income - 650 - Fico score applicant needs $475 in disposable monthly income.

7. Fees

• Depending on lender fees can be broker paid or lender paid (Ranging from 2 to 4 points)

1 of 4Revised date: 11/9/17

1 q Individual q Joint

2 q Home only q Land and home q Land in lieu q Condo/co-op (land home only) q Park model

3 q Primary q Second or vacation (owner occupied)

4 q Purchase q Refinance Type: q Cash out q Rate and term q Home improvement q Other

Disposition of current home q Selling q Renting q Keeping q Trade in

Contact Phone Fax Retailer name Location

(A) Applicant (B) Co-applicant

Full name last, first, middle Full name last, first, middle

Date of birth Social security number Number/age(s) of dependents Date of birth Social security number Number/age(s) of dependents

Marital status q Unmarried q Married q Separated Marital status q Unmarried q Married q Separated

Present street address Present street address

City, state, zip City, state, zipAt present address since Home phone no. At present address since Home phone no.

Email address Email address

Residential status q Home owner q Renter q Parent q Other

Monthly rent or mortgage payment Residential status q Home owner q Renter q Parent q Other

Monthly rent or mortgage payment

Landlord/mortgage holder’s name Phone no. Landlord/mortgage holder’s name Phone no.

Balance of mortgage Account no. Balance of mortgage Account no.

Previous street address Previous street addressCity, state, zip

From to City, state, zip

Landlord/mortgage holder’s name Phone no. Landlord/mortgage holder’s name Phone no.

Buyer’s credit information: If this is an Individual application, complete the information under section A. If this is a joint application, complete both sections, A and B. Note: If married, the spouse is not required to be the co-applicant.

Employer’s name q Self-employed Business type Employer’s name q Self-employed Business type

Employer’s address Work phone no. Employer’s address Work phone no.

Job title or occupation Hire date / /

Job title or occupation Hire date

Base salary (gross monthly or annually) Base salary (gross monthly or annually)

Overtime Received consistently since / /

Overtime Received consistently since / /

Commission/bonus Received consistently since / /

Received q Annually q Monthlyq Quarterly

Commission/bonus Received consistently since / /

Received q Annually q Monthly q Quarterly

Other income note: Alimony, child support or separate maintenance incomes do not have to be revealed unless the applicant wishes to have such sources considered as a basis for repayment of the requested credit.

Other income Other incomeAmount Source Since

q Seasonal q PT job q Second jobq Seasonal q PT job q Second job

Amount Source Sinceq Seasonal q PT job q Second jobq Seasonal q PT job q Second job

Previous employer (if less than two years at present job) Previous employer (if less than two years at present job)

Previous employer’s city and state Previous employer’s city and state

Job title or occupation Phone no. Job title or occupation Phone no.

Credit application

From to From to

From to From to

2 of 4Revised date: 11/9/17

Indicate relationship of ownership account by selecting A for applicant and/or B for co-applicant

q A q B

q Checking q SavingsInstitution

Account no. Average balance

q A q B

q Checking q SavingsInstitution

Account no. Average balance

q A q B

q 401k q Retirement acct q Other investment Institution

Account no. Average balance

q A q B

q 401k q Retirement acct q Other investment Institution

Account no. Average balance

q A q B

Additional asset account: type of account Institution

Account no. Average balance

Schedule of real estate ownedProperty address Present

market valueAmount of mortgages and liens

Mortgage payments Insurance, taxes, etc. if not included in mortgage

q S q PS q R

q S q PS q R

q S q PS q R

Totals

S=Sold PS=Pending sale R=Rental held for income

List all other obligations including the liability for alimony, child support or separate maintenance. Be sure to list all open accounts. Select A for applicant and/or B for co-applicantOwner Creditor name and address Account no. Current balance Monthly payment

q A q B

q A q B

q A q B

q A q B

Relative living nearest applicantName Address Relationship Phone no.

Relative living nearest co-applicantName Address Relationship Phone no.

Friend living nearest applicantName Address Relationship Phone no.

Friend living nearest co-applicantName Address Relationship Phone no.

If the answer is “yes” to any of the following questions, explain on an attached sheet. Enter Y (yes) or N (no) in both columns Application Co-applicant(1) Have you declared bankruptcy within the past 10 years? When? q Y q N q Y q N(2) Have you had any judgments, repossessions, garnishments, or other legal proceedings filed against you with in the past seven years? q Y q N q Y q N(3) Have you ever obtained credit under any other name(s)? Name(s) used: q Y q N q Y q N(4) Are you a co-maker or guarantor on a note? For whom? How much? q Y q N q Y q N(5) Are you a party in a lawsuit? q Y q N q Y q N(6) Do you have any lease obligations? If yes, how much? How long? q Y q N q Y q N(7) Are you liable for alimony, child support, or maintenance payments? If yes, how much? How long? q Y q N q Y q N(8) Are you a US citizen? q Y q N q Y q N(9) Are you a permanent resident alien? q Y q N q Y q N(10) Do you intend to occupy the property as your primary residence? q Y q N q Y q N

Applicant name(s)

3 of 4Revised date: 11/9/17

Notice for California residents—A married applicant may apply for a separate account. If your credit request is declined, you refuse our counter offer, your account is terminated, or there is an unfavorable change in terms made to your account and our decision is based, in whole or in part, on information contained in a consumer credit report, you have the right to obtain a copy of your consumer credit report from the credit reporting agency within 60 days. You also have the right to obtain a copy of your consumer credit report from any other credit reporting agency which complies and main nationwide basis. Additionally, you have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. (California Civil Code Sec. 1785.20)

Notice for New York and Maine residents—A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. If you subsequently ask for this information, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report.

Notice for Ohio residents—The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice for Washington residents—Washington State law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.

Notice for Wisconsin residents—Wisconsin law provides that no agreement, unilateral statement or court decree relating to marital property shall adversely a affect a creditor’s interest, unless prior to the time credit is granted the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. You must indicate the name of your spouse on the Installment Contract, and the address if different from yours.

To help the government fight terrorism, Federal law requires all financial institutions to verify information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for personal information that will allow us to identify you. We will ask to see your driver’s license or other identifying documents before your loan is completed. You warrant that the information you are furnishing is true, accurate, supplied voluntarily, and not misleading. You authorize us to check your credit, employment histories and credit references; to discuss this application and related information with your retailer, broker, or Realtor, if any, to answer questions about your application, credit history and to keep this application whether or not it is approved. We may also verify your employment, pay, assets and debts. You understand that credit is extended at different rates and credit terms and agree that you are applying for an extension of credit and not for a particular rate or particular credit term.

I have read and understand the applicable state law notice.

Applicant signature

Date

Co-applicant signature

Date

Application submission method q Phone q Fax q Mail q Email q Face-to-face

PHONE APPLICATIONS ONLY: I have read the applicable state law notice to the application Broker representative initial here

Applicant name(s)

4 of 4Revised date: 11/9/17

Demographic Information of Borrower

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. Instructions: You may select one or more “Hispanic or Latino” origins and one or more designations for “Race.” If you do not wish to provide some or all of this information, select the applicable check box.

q I do not wish to provide this information q I do not wish to provide this information

Ethnicity q Hispanic > q Mexican q Puerto Rican q Cubanq Other Hispanic or Latino > Enter origin Examples: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, etc.q Not Hispanic or Latinoq I do not wish to provide this information

Ethnicity q Hispanic > q Mexican q Puerto Rican q Cubanq Other Hispanic or Latino > Enter origin Examples: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, etc.q Not Hispanic or Latinoq I do not wish to provide this information

Race q American Indian or Alaska NativeName of enrolled or principal tribe:q Asianq Asian Indian q Chinese q Filipino q Japaneseq Korean q Vietnameseq Other Asian—Enter raceExamples: Hmong, Laotian, Thai, Pakistani, Cambodian, etc.

q Black or African Americanq Native Hawaiian or other Pacific Islanderq Native Hawaiian q Guamanian or Chamorro q Samoanq Other Pacific Islander—Enter race Examples: Fijian, Tongan, etc.

q Whiteq I do not wish to provide this information

Race q American Indian or Alaska NativeName of enrolled or principal tribe:q Asianq Asian Indian q Chinese q Filipino q Japaneseq Korean q Vietnameseq Other Asian—Enter raceExamples: Hmong, Laotian, Thai, Pakistani, Cambodian, etc.

q Black or African Americanq Native Hawaiian or other Pacific Islanderq Native Hawaiian q Guamanian or Chamorro q Samoanq Other Pacific Islander—Enter race Examples: Fijian, Tongan, etc.

q Whiteq I do not wish to provide this information

Sex q Male q Female q I do not wish to provide this information Sex q Male q Female q I do not wish to provide this information

To be completed by financial institution (for application taken in person)Was the ethnicity of the Borrower collected on the basis of visual observation or surname? q Y q NWas the sex of the Borrower collected on the basis of visual observation or surname?q Y q NWas the race of the Borrower collected on the basis of visual observation or surname?q Y q N

Was the ethnicity of the Borrower collected on the basis of visual observation or surname? q Y q N

Was the sex of the Borrower collected on the basis of visual observation or surname?q Y q NWas the race of the Borrower collected on the basis of visual observation or surname?q Y q N

The demographic information was provided through:q Phone q Fax or mail q Emailq Face-to-face (includes electronic media with video component)

The demographic information was provided through:q Phone q Fax or mail q Emailq Face-to-face (includes electronic media with video component)

Loan originator informationLoan organization nameAddressLoan originator organization NMLSR ID State license ID#Loan originator nameLoan originator NMLSR ID# State license ID#Email Phone

Applicant name(s)

Calculation of allowable advance

Manufacturer’s invoice or existing home appraisalDeletions

FreightWheels and axles

Less sales/advertisingFees/dues

Furniture/decorOther

Total deletions

Net invoice (Invoice/appraisal less total deletions)125% standard*

Adjusted invoiceDealer options and improvements

AC/HPElectrical hook up/plumbing

FootersDeck/steps

Skirting q Brick q VinylOther

% used for allowable Dealer Options**Total dealer options

FreightSet up

Sales taxAmount paid to public officials

Physical damage insurance (one year) Appraisal

FeesOther

Max allowable advance

Where will the home be located? q Own land q Relative land q Park q Other private propertyAddress If owned, date purchased

Park nameMonthly rent or mortgage payment Current balance on land

Home description Year Make Model W x L Serial number q Usedq Newq Repo

Calculation of loan amount

Cash sales price or refinance payoff amountSales taxPhysical damage insurance (one year)Amount paid to public officials (registration, title, filing fees)Escrow feeFlood and tax certification feeAppraisal feeLand to be financedLand valueNumber of acres Land improvements to be financedMembership fees Document preparation fee Admin feeClosing costsSub totalCash down paymentNet trade inTotal down payment (minimum 5% of Sub total)Amount financedTrade-in informationYear

Make

Model

W x L

Gross trade-in amount

Amount owed on trade in

To whom

Net trade-in (listed above)

* Above 720 FICO or California purchase = 130% advance** Standard 25%, 30% for California purchase

NMLS #

Lender

Applicant name(s)

Lot # and name

Equal Housing Lender • Federally Insured by NCUARevised date: 11/9/17 • This piece is not intended for consumer advertising

Loan calculator tool

Total listed options