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Hello!!

I am so happy to hea

r that you are in the market to purchase a home. Buying a home will be one of the

largest purchases of your life and I pledge to do ALL I can to make your home buying experience as

smooth and stress free as possible. I would like to give you a heads up, I work all hours of the day and

night! If you have preferential times that you would like to be contacted, please inform me of such and I

will honor your request. As for me, if you have ANY questions related to loan products, the application

process, or if you have any other concerns during thi

s process, feel fre

e to give me a call. I’ll do my best

to ease your mind and keep you informed.

For your convenience, I have provided a list including MOST of the items needed to go all the way with

your purchase loan. Without any further ado, let’s get started…

Items needed for EACH borrower will be:

1. The application and authorization forms attached must be filled out IN THEIR ENTIRETY. Please be

sure to SIGN and INITIAL each page where requested.

2. Copy of applicant’s social security card and driver's license

3. Most recent two months bank statements and check stubs, to verify income and assets. Any

deposits over the amount of $500 that are not a part of your regular wages will need a letter of

explanation sourcing those funds. If retirement accounts will be used for assets, please provide a

statement showing your vested interest in that account as well.

4. Last two years

tax returns, w-2, and 1099

5. If you own any property, I will need a mortgage statement of account showing payment history for

at least 12 months, escrow statement, last monthly statement, HOA statement of account, and

declarations page for current hazard insurance. If your property is not escrowed or doesn't have an

existing mortgage, please provide a copy of declarations page for insurance, HOA statement of account,

and most recent years tax statements.

6. Letters of explanation for any late payments over the last 3 years and inquiries over last 90 days. I

will inform you of such after credit is pulled. The letter addressing inquiries should address the creditor

and show the results of the inquiry (i.e., a new account was established, or no new account was

established)

7. Proof of payment arran

gements made with any creditors and/or paid in full notices for any

collections or recently paid off debts.

8. If seller has a survey available, please provide a copy.

9. Copy of executed purchase contract if applicable.

10. If you are renting, I will need a Verification of Rent completed. For your convenience, I have

attached a VOR form. Please fill in contact information for the person who handles the verifications for

your landlord on the VOR (i.e. name, phone number, email address).

11. A Verification of Employment (VOE) will have to be executed. Please enter your employers

information in the space provided on the form, and I will also need the contact information (i.e. name,

phone number, email address) for the person that handles the employment verifications for your

company (if they are done in house). For your convenience, I have attached a copy of a VOE form.

12. Please do not have your credit pulled and/or open any new accounts from now until after your loan

closes. This can change your credit profile and ratios which can affect your chances of getting loan

approval and funding from lenders. Please don’t be fooled by the false statements made by the

uninformed. Creditors will say, “Having your credit pulled again within thirty days will not hurt your

scores”. YES IT CAN! PLEASE don’t let this happen to you.

FOR SELF EMPLOYED BORROWERS/CO-BORROWERS:

1. Copy of professional license.

2. Copy of dba/corporation docs showing you are the owner of said business.

3. If available, profit, loss, and balance sheet from January to current if no checks are being received.

The link below is to The Settlement Cost

Booklet:

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/settlement-booklet-

january-6- revised.pdf

The link below is to the Get A Home Inspection Disclosure, Privacy Policy, and the Mortgage Fraud

Disclosure:

http://www.caffinancialservices.com/uploads/3/3/4/7/3347137/informative_disclosures_for_

potential

_applicants.pdf

The link below is to Your Home Loan Toolkit:

http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

The Settlement Cost Booklet, Your Home Loan Toolkit, Get A Home Inspection Disclosure, Privacy Policy,

and the Mortgage Fraud Disclosure are for your informative purposes only and there is no need to print

these documents unless you personally deem it necessary to do so. I would however, like to give you an

alert regarding the “settlement cost booklet and the home loan toolkit.” Both are very large files, please

view it before printing.

The following link is to the Informed Consumer Choice Disclosure, Important Notice to Homebuyers

Disclosure, Acknowledgment of Settlement Cost Booklet, Notice of Penalties for Making False

Statements, Servicing Disclosure, Borrowers Signature Authorization, Borrowers Certification and

Authorization, Equal Credit and Opportunity Act, Texas Mortgage Company Disclosure, Acknowledgment

of Home Loan Toolkit, and the Borrower’s Blanket Signature and Authorization:

http://www.caffinancialservices.com/uploads/3/4/6/4/34645090/application_disclosures_to_be_signed_

by_potential_applicants.pdf

The Informed Consumer Choice Disclosure, Important Notice to Homebuyers Disclosure,

Acknowledgment of Settlement Cost Booklet, Acknowledgment of the Home Loan Toolkit, Notice of

Penalties for Making False Statements, Servicing Disclosure, Borrowers Signature Authorization,

Borrowers Certification and Authorization, Equal Credit and Opportunity Act, Texas Mortgage Company

Disclosure, and the Borrower’s Blanket Signature and Authorization will need to be signed by each

potential applicant in order to process your file and get the necessary verifications executed by

our loan

proces

sor. Please sign and submit these forms using one of the two methods of submission mentioned

below.

All requested information can be sent to me directly via email to processing@caffinancialservices.com or

you can upload on our secure website at www.caffinancialservices.com.

To upload your information simply

go to our site, click MORE, then click UPLOAD, fill in the prompt and upload your documents. This will make

it easy to assure that your file will be submitted expeditiously. Being able to submit your file to lenders in a

timely manner is very important after executing a purchase contract. Once your purchase contract is

executed, we will be on a strict time schedule.

As always, it is my goal to provide you with the best quality of service possible. To do so, I will NEED all

requested documentation submitted in a timely manner!!

Thanks again for the opportunity to earn you patronage! I will be waiting on your response and the

receipt of the requested information. In the interim, please remember that I am always here to help,

and you can feel free to give me a call using the information provided below, or submit any questions

you may have via email or text message.

Conswella Fowler

Call A Friend Financial Services, LLC

8003 Duffield Lane

Houston, TX 77071

Email: processi

ng@caffinancialservices.com

Office: (762) 333-2790

Originator NMLS ID# 1043458

Company NMLS ID: 1209057

You can find Housing Counselors near you by searching your zip code using the following:

http://www.consumerfinance.gov/find-a-housing-counselor. These agencies are approved

by HUD and offer independent advice about whether a particular set of mortgage terms is a

good fit based on your objectives and circumstances with little or no cost to you.

CAUTION

For Your Protection:

Get a Home Inspection

Why a Buyer Needs a Home Inspection

Appraisals are Different from Home Inspections

FHA Does Not Guarantee the Value or Condition of your Potential New Home

Radon Gas Testing

Be an Informed Buyer

A home inspection gives the buyer more detailed information about the overall condition of the home prior

to purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential

new home to:

Evaluate the physical condition: structure, construction, and mechanical systems;

Identify items that need to be repaired or replaced; and

Estimate the remaining useful life of the major systems, equipment, structure, and finishes.

An appraisal is different from a home inspection. Appraisals are for lenders; home inspections are for buyers.

An appraisal is required to:

Estimate the market value of a house;

Make sure that the house meets FHA minimum property standards/requirements; and

Make sure that the property is marketable.

If you find problems with your new home after closing, FHA can not give or lend you money for repairs,

and FHA can not buy the home back from you. That is why it is so important for you, the buyer, to get

an independent home inspection. Ask a qualified home inspector to inspect your potential new home

and give you the information you need to make a wise decision.

The United States Environmental Protection Agency and the Surgeon General of the United States have

recommended that all houses should be tested for radon. For more information on radon testing, call the

toll-free National Radon Information Line at 1-800-SOS-Radon or 1-800-767-7236. As with a home inspection,

if you decide to test for radon, you may do so before signing your contract, or you may do so after signing the

contract as long as your contract states the sale of the home depends on your satisfaction with the results of

the radon test.

It is your responsibility to be an informed buyer. Be sure that what you buy is satisfactory in every respect. You

have the right to carefully examine your potential new home with a qualified home inspector. You may

arrange to do so before signing your contract, or may do so after signing the contract as long as your contract

states that the sale of the home depends on the inspection.

U.S. Department of Housing

and Urban Development

Federal Housing Administration (FHA)

OMB Approval No: 2502-0538

(exp. 05/31/2014)

HUD-92564-CN (6/06)

EQUAL HOUSING

O P P O R T U N I T Y

Your Door to

H O M E O WN E R S H I P

F H A

Calyx Form - homeinsp.frm (11/2013)

Call A

Friend Financial Services, LLC, NMLS# 1209057 | Originator: Conswella Alvisia Fowler, NMLS# 1043458

FACTS

What Does

With Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers

the right to limit some but not all sharing. Federal law also required us to tell you how we collect,

share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you

have with us. This information can include:

All financial companies need to share customers' personal information to run their everyday business. In the

section below, we list the reasons financial companies can share their customers' personal information; the reasons

Reasons we can share your personal information Can you limit this sharing?

For our everyday business purposes --

For our marketing purposes --

For joint marketing with other financial companies

For our affiliates' everyday business purposes --

For our affiliates to market to you

For nonaffiliates to market to you

such as to process your transactions, maintain

your account(s), responds to court orders and legal

investigations, or report to credit bureaus

to offer our products and services to you

information about your transactions and experiences

information about your creditworthiness

Please note:

If you are a new customer, we can begin sharing your information

When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Mark any/all you want to limit

Name

Address

City, State Zip

Mail to:

Why?

What?

How?

To limit

our sharing

Questions?

Mail-in Form

Calyx Form - Privacy1_LimitSharing_Mail.frm (01/11)

#ADV

Call A Friend Financial Services, LLC Do

Rev. 05/13

• Social Security Number and Income

• credit scores and employment information

• credit history and account balances

Call A Friend Financial Services, LLC chooses to share; and whether you can limit this sharing.

Does Call A Friend Financial Services,

LLC share?

Yes No

No We Don't Share

• Call 762-333-2790 or

• Mail the form below

3 days from the date we sent this notice.

• Call 762-333-2790

If you have a

joint account,

your choices(s)

will apply to

everyone on

your account

unless you mark

below.

[ ] Apply my

choice(s)

only to me

[ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

[ ] Do not allow your affiliates to use my personal information to market to me.

[ ] Do not share my personal information with nonaffiliates to market their products and services to me.

Call A Friend Financial Services, LLC

8003 Duffield Lane

Houston, TX 77071

Loan #

Call A

Friend Financial Services, LLC, NMLS# 1209057 | Originator: Conswella Alvisia Fowler, NMLS# 1043458

Page 2

Who we are

Who is providing this notice?

What we do

To protect your personal information from unauthorized access and use,

we use security measures that comply with federal law. These measures

include computer safeguards and secured files and buildings.

We collect your personal information, for example, when you

Why can't I limit all sharing? Federal law gives you the right to limit only

• sharing for affiliates' everday business purposes - information about your

creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you

State Laws and individual companies may give you additional rights to

limit sharing.

What happens when I limit sharing for an

account I hold jointly with someone else?

Definitions

Affiliates Companies related by common ownership or control. They can be financial and

nonfinancial companies.

Nonaffiliates Companies not related by common ownership or control. They can be financial and

nonfinancial companies.

Joint marketing A formal agreement between nonaffiliated financial companies that together market

financial products or services to you.

Calyx Form - Privacy2_SingleOut.frm (10/12)

#ADV

Call A Friend Financial Services, LLC

8003 Duffiel Lane

Houston,Tx 77071

How does Call A Friend Financial

Services, LLC protect my personal

information?

How does Call A Friend Financial

Services, LLC collect my personal

information?

• apply for a loan or

give us your wage statements

• give us your employment history or

provide account information

• show your government-issued ID

We also collect your personal information from others, such as credit bureaus,

affiliates, or other companies.

Your choices will apply to everyone on your account.

Call A

Friend Financial Services, LLC, NMLS# 1209057 | Originator: Conswella Alvisia Fowler, NMLS# 1043458

MORTGAGE FRAUD IS

INVESTIGATED BY THE FBI

Mortgage Fraud is investigated by the Federal Bureau of Investigation and is

punishable by up to 30 years in federal prison or $1,000,000 fine, or both. It is

illegal for a person to make any false statement regarding income, assets, debt,

or matters of identification, or to willfully overvalue any land or property, in a

loan and credit application for the purpose of influencing in any way the

action of a financial institution.

Some of the applicable Federal criminal statutes which may be charged in connection with

Mortgage Fraud include:

18 U.S.C. § 1001 - Statements or entries generally

18 U.S.C. § 1010 - HUD and Federal Housing Administration Transactions

18 U.S.C. § 1014 - Loan and credit applications generally

18 U.S.C. § 1028 - Fraud and related activity in connection with identification documents

18 U.S.C. § 1341 - Frauds and swindles by Mail

18 U.S.C. § 1342 - Fictitious name or address

18 U.S.C. § 1343 - Fraud by wire

18 U.S.C. § 1344 - Bank Fraud

42 U.S.C. § 408(a) - False Social Security Number

Unauthorized use of the FBI seal, name, and initials is subject to prosecution under Sections 701, 709, and 712 of Title 18 of the United

States Code. This advisement may not be changed or altered without the specific written consent of the Federal Bureau of Investigation, and

is not an endorsement of any product or service.

8003 Duffield Lane

Houston, TX 77071

Phone: 762-333-2790

fax: 855-378-0655

CREDIT CARD CHARGE AUTHORIZATION FORM

CLIENT(S) NAME:

CARDHOLDER NAME:

CREDIT CARD#:

V CODE # (3 or 4 digit number located on back of card):

CREDIT CARD TYPE: DISCOVER VISA MC AMEX

EXPIRA TION DATE:

CARDHOLDER’S ADDRESS:

AMOUNT OF CHARGE:

Approximately $50, fee depends on # of potential borrowers

Name of Borrower # 1:

Social Security #: DOB:

Name of Borrower # 2:

Social Security #: DOB:

Subject Property Address:

BY SIGNING BELOW, I AM AUTHORIZING THE AMOUNT LISTED ABOVE TO BE CHARGED TO MY

CREDIT CARD BY CALL A FRIEND FINANCIAL SERVICES, LLC TO

RETRIEVE MY CREDIT REPORT IN

ORDER TO PROCESS MY LOAN APPLICATION.

AUTHORIZED

SIGNATURE:

How do you hear about Call A Friend Financial Services?

click to sign

signature

click to edit

To be completed by the Lender:

Lender Loan

No./Universal Loan Identifier

Agency

Case No.

Uniform Residential Loan Application

Verify and complete the info

rmation on this application.

If you are apply

ing for this loan with others, each additional Borrower must provide

information as directed by your Lender.

Section 1: Borrower Information.

This section asks about your personal information and y

our income from

employment and other sources, such as retirement, that you want considered to qualify for this loan.

1a. Personal Informa

tion

Name

Alternate Names -

Social Security Number

Date of Birth Citizenship

(First, Mi

ddle, Last, Suffix)

List any names by which you are known or any names

under which credit was previously received (First, Middle, Last, Suffix)

(or Individual Taxpayer Identification Number)

(mm/dd/yyyy)

U.S. Citizen

Permanent Resident Alien

Non-Permanent Resident Alien

Type

of Credit List Name(s) of Other Borrower(s) Applying for this Loan

individual credit.

joint credit.

Your initials:

(First, Middle, Last, Suffix)I am applying for

I am applying for Total Number of Borrowers:

Each Borrower intends to apply for joint credit.

Marital Status Dependents Contact Information

Home

Cell

Work

Ext.

Married

Separated

Unmarried

(Single, Divorced, Wi

dowed, Civil Union, Domestic Partnership, Registered

Reciprocal Beneficiary Relationship)

(not listed by another Borrower)

Number

Ages

Phone

Current Address

Housing

Street Unit #

City State ZIP Country

How Long at Current Address? Years Months

No primary housing expense

Own Rent ($ /month)

If at Current Address for LESS than 2 years, list Former Address

Housing

Does not apply

Street Unit #

City State ZIP Country

How Long at Former Address? Years Months

No primary housing expense

Own Rent ($ /month)

Mailing A

ddress Does not apply

- if different from Current Address

Street Unit #

City State

ZIP Country

1b. Current Employment/Self-Employment and Income

Does not apply

Employ

er or Business Name

Phone

Street Unit #

City State ZIP Country

Position or Title

Start Date

m/dd/yyyy)

How long in this line of work? Years Months

Check if this statement applies:

am employed by a family member,

property seller, real estate agent, or other

party to the transaction.

Gross Monthly Income

Check if you are the Business

ner or Self-Employed

Monthly

Income (or Loss)

I have an ow

nership share of less than 25%.

I have an ownership share of 25% or more.

Base

Overtime

Bonus

Commission

Military

Entitlements

Other

/month

TOTAL

/ month

Uniform Residential Loan Application - Borrower

Freddie Mac Form 65 Fannie Mae Form 1003

Caly

x Form - URLA_1_Individual.frm (04/2020)

Effective 1/2021

#ADV

Call

A Friend Financial Services, LLC | Originator: Conswella Fowler

1c. IF APPLICABLE, Complete Information for Additional Employment/Self Employment and Income

Does no

t apply

Employ

er or Business Name

Phone

Street Unit #

City State ZIP Country

Position or Title

Start Date

/dd/yyyy)

How

long in this line of work?

Years Months

Check if th

is statement applies:

am employed by a family member,

property seller, real estate agent, or other

party to the transaction.

Gross Monthly Income

Check if you are the Business

ner or Self-Employed

Monthly

Income (or Loss)

I have an ow

nership share of less than 25%.

I have an ownership share of 25% or more.

Base

Overtime

Bonus

Commission

Militar

Entitlements

Other

/month

TOTAL

/month

1d. IF APPLICA

BLE, Complete Information for Previous Employment/Self Employment and Income

Does not apply

Provide at least 2 y

ears of current and previous employment and income.

Employer or Business Name

Street Unit #

City State ZIP Country

Position or Title

Start Date

End Date

m/dd/yyyy)

(mm/dd/yyyy)

Check if you were the Business

Owner or Self-Employed

Previous Gross Monthly

Income $ /month

1e. Income from Other Sources

Does not apply

Include income from

other sources below. Under Income Source, choose from the sources listed here:

Alimony

tomobile Allowance

Boarder Income

Capital Gains

Child Support

Disability

Foster Care

Housing or Parsonage

Interest and Dividends

Mortgage Credit Certificate

Mortgage Differential

Payments

Notes Receivable

Public Assistance

Retirement

(e.g., Pension, IRA)

Royalty Payments

Separate Maintenance

Social Security

Trust

Unemployment

Benefits

VA Compensation

Other

NOTE:

Income Source - Monthly Income

Provide TOTAL Amount Here

use list above

Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification

for this loan.

rrower Name:

Uni

form Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx Form - URLA_2.frm (04/2020)

fective 07/2019

Section 2 : Financial Information — Assets and Liabilities.

This section asks about things you own that

are worth money and that you want considered to qualify for this loan. It then asks about y

our liabilities (or debts) that you

pay each month, such as credit cards, alimony, or other expenses.

2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have

Include all accounts below. Under A

ccount Type, choose from the types listed here:

• Checking

• Savings

• Money Market

• Certificate of Deposit

• Mutual Fund

• Stocks

• Stock Options

• Bonds

• Retirement (e.g., 401k, IRA)

• Bridge Loan Proceeds

• Individual Development

Account

• Trust Account

• Cash Value of Life Insurance

(used for the transaction)

Account Ty

pe Financial Institution Account Number Cash or Market Value- use list above

$Provide TOTAL Amount Here

Does not apply

2b. Other Assets and Credits You Have

Include all other assets and credits below

. Under A

sset or Credit Type, choose from the types listed here:

Assets Credits

• P

roceeds from R

eal Estate

Property to be sold on or

before closing

• Proceeds from Sale of

Non-Real Estate Asset

• Secured Borrowed Funds

• Unsecured Borrowed Funds

• Other

• E

arnest Money

• E

mployer Assistance

• Lot Equity

• Relocation Funds

• Rent Credit

• Sweat Equity

• Trade Equity

Asset or Credit Ty

pe Cash or Market Value

Provide TOTAL Amount Here $

- use list above

Does not apply

2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe

List all liabilities below

(except real estate) and include deferred payments. Under Account Type, choose from the types listed here:

• Revolving • Installment • Open 30 - Day • Lease • Other

(e.g., credit cards) (e.g., car, student, personal loans) (balance paid monthly)

(not real estate)

Account Ty

pe - Company Name Account Number Unpaid Balance Monthly PaymentTo be paid off at

or before closinguse list above

Does not apply

2d. Other Liabilities and Expenses

Include all other liabilities and expenses below. Choose from t

he types listed here:

• Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other

Monthly

Payment

Borrower Name:

Uni

form Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Calyx Form - URLA_3.frm (12/2020)

Effective 1/2021

0.00

Section 3 : Financial Information — Real Estate.

This section asks you to list all properties you currently own

and what you owe on them.

I do not own any real estate

. Property You Own

If you are refinancing, list the property you are refinancing FIRST.

Address Street

Unit #

City State ZIP Country

Property

Value

Status:

Intended Occupancy: Monthly Insurance, Taxes,

Association Dues, etc.

For 2-4 Unit Primary or Investment Property

Monthly Rental

Income

For LENDER to calculate:

Sold,

Pending Sale,

or Retained

Investment, Primary

Residence, Second

Home, Other

Net Monthly Rental Income

$$$$

Mortgage Loans on this Property

Does not apply

if not included in Monthly

ortgage Payment

editor Name Account Number

Monthly

Mortgage

Payment

Unpaid Balance

Type:

Credit Limit

FHA, VA,

Conventional,

USDA-RD, Other

To be paid off at or

before closing (if applicable)

3b. IF APPLICA

BLE, Complete Information for Additional Property

Does not apply

Address Street Unit #

City State ZIP Country

Property

Value

Status:

Intended Occupancy: Monthly Insurance, Taxes,

Association Dues, etc.

For 2-4 Unit Primary or Investment Property

Monthly Rental

Income

For LENDER to calculate:

Sold,

Pending Sale,

or Retained

Investment, Primary

Residence, Second

Home, Other

Net Monthly Rental Income

$$$$

Mortgage Loans on this Property

Does not apply

if not included in M

onthly

ortgage Payment

Creditor Name Account Number

Monthly

Mortgage

Payment

Unpaid Balance

Type

Credit Limit

FHA, VA,

Conventional,

USDA-RD, Other

To be paid off at or

before closing (if applicable)

3c. IF APPLICABLE, Complete Information for Additional Property

Does not apply

Address Street Unit #

City State ZIP Country

Property

Value

Status:

Intended Occupancy: Monthly Insurance, Taxes,

Association Dues, etc.

For 2-4 Unit Primary or Investment Property

Monthly Rental

Income

For LENDER to calculate:

Sold,

Pending Sale,

or Retained

Investment, Primary

Residence, Second

Home, Other

Net Monthly Rental Income

$$$$

Mortgage Loans on this Property

Does not apply

if not included in Monthly

ortgage Payment

Creditor Name Account Number

Monthly

Mortgage

Payment

Unpaid Balance

Type

Credit Limit

FHA, VA,

Conventional,

USDA-RD, Other

To be paid off at or

before closing (if applicable)

rrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Caly

x Form - URLA_4.frm (04/2020)

Effective 1/2021

Section 4: Loan and Property Information.

This section asks about the loan's purpose and the property you

want to purchase or refinance.

4a. Loan and Property Information

Loan Am

ount $

Loan Purpose

Purchase

efinance Other

(specify)

Property

Address

Street Unit #

City State ZIP County

Number of Units

Property

Value $

Occupancy

Primary Residence

Second Home Investment Property FHA Secondary Residence

1. Mixed-Use Pro

perty.

If you w

ill occupy the property, will you set aside space within the property to operate

your own business? (e.g., daycare facility, medical office, beauty/barber shop)

2. Manu

factured Home.

Is the property a manufactured home? (e.g., a factory built dwelling built on a perm

anent chassis)

NO YES

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing Does not apply

Cred

itor Name Lien Type Monthly Payment

Loan Amount/

Amount to be Drawn

Credit Limit

(if applicable)

First Lien S

ubordinate Lien $ $ $

First Lien Subordinate Lien $ $ $

4c. Rental Income on the Property You Want to Purchase For Purchase Only Does not apply

Complete if the property is a 2-4 Unit Primary Residence or an Investment Property Amount

Expected Monthly Rental Income

For LENDER to calculate: Expected Net Monthly Rental Income

4d. Gifts or Grants You Have

Been Given or Will Receive for this Loan

Does

not apply

Include all gifts and grants below. Under Source, choose from the sources listed here:

• Community Nonprofit

• Employer

• Federal Agency

• Local Agency

• Relative

• Religious Nonprofit

• State Agency

• Unmarried Partner

• Lender

• Other

Asset Type: Deposited/Not Deposited Source Cash or Market ValueCash Gift, Gift of Equity, Grant - use list above

Deposited Not Deposited

rrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Caly

x Form - URLA_5.frm (04/2020)

Effective 1/2021

Section 5: Declarations. This section asks about specific questions about the property, your funding, and your past

financial history.

5a. About this Property and Your Money for this Loan

A. Will you occupy the property as your primary residence?

If YES, have you had an ownership interest in another property in the last three years?

If YES, complete (1) and (2) below:

(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH),

or investment property (IP)?

(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?

C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or

obtaining any money from another party, such as seller or realtor, that you have not disclosed on this loan application?

If YES, what is the amount of this money?

D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or

before closing this transaction that is not disclosed on this loan application?

2. Have you or will you be applying for any new credit

(e.g., installment loan, credit card, etc.) on or before closing this loan that

is not disclosed on this application?

E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid

through your property taxes

(e.g., the Property Assessed Clean Energy Program) ?

NO YES

5b. About Your Finances

F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

G. Are there any outstanding judgments against you?

H. Are you currently delinquent or in default on a federal debt?

I. Are you a party to a lawsuit in which you potentially have any personal financial liability?

J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?

K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a

third party and the Lender agreed to accept less than the outstanding mortgage balance due?

L. Have you had property foreclosed upon in the last 7 years?

M. Have you declared bankruptcy within the past 7 years?

If YES, identify the type(s) of bankruptcy:

Chapter 7 Chapter 11 Chapter 12 Chapter 13

NO YES

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx Form - URLA_6.frm (12/2020)

Effective 1/2021

Section 6: Acknowledgements and Agreements. This section tells you about your legal obligations when

you sign this application.

Acknowledgements and Agreements

Definitions

• "Lender" includes the Lender's agents, service providers and any of

their successors and assigns.

• "Other Loan Participants" (this includes any actual or potential owners

of a loan resulting from this application (the "Loan''), (ii) acquirers of

any beneficial or other interest in the Loan,(iii) any mortgage insurer,

(iv) guarantor, (v)any servicers or service providers of the Loan, and

(vi) any of these parties' service providers, successors or assigns.

I agree to, acknowledge, and represent the following:

(1) The Complete Information for this Application

• The information I have provided in this application is true, accurate,

and complete as of the date I signed this application.

• If the information I submitted changes or I have new information

before closing of the Loan, I must change and supplement this

application, including providing any updated/supplemented real

estate sales contract.

• For purchase transactions: The terms and conditions of any real

estate sales contract signed by me in connection with this application

are true, accurate, and complete to the best of my knowledge and

belief. I have not entered into any other agreement, written or oral, in

connection with this real estate transaction.

• The Lender and Other Loan Participants may rely on the information

contained in the application before and after closing of the Loan.

• Any intentional or negligent misrepresentation of information may

result in the imposition of:

(a) civil liability on me, including monetary damages, if a

person suffers any loss because the person relied on any

misrepresentation that I have made on this application, and/or

(b) criminal penalties on me including, but not limited to, fine or

imprisonment or both under the provisions of federal law

(18 U.S.C. §§ 1001 et seq.).

(2) The Property's Security

• The Loan I have applied for in this application will be secured by

a mortgage or deed of trust which provides the Lender a security

interest in the property described in this application.

(3) The Property's Appraisal, Value, and Condition

• Any appraisal or value of the property obtained by the Lender is

for use by the Lender and Other Loan Participants.

• The Lender and Other Loan Participants have not made any

representation or warranty, express or implied, to me about the

property, its condition, or its value.

(4) Electronic Records and Signatures

• The Lender and Other Loan Participants may keep any paper record

and/or electronic record of this application, whether or not the Loan

is approved.

• If this application is created as (or converted into) an "electronic

application", I consent to the use of "electronic records" and

"electronic signatures" as the terms are defined in and governed by

applicable federal and/or state electronic transactions laws.

• I intend to sign and have signed this application either using my:

(a) electronic signature; or

(b) a written signature and agree that if a paper version of this

application is converted into an electronic application, the

application will be an electronic record, and the representation

of my written signature on this application will be my binding

electronic signature.

• I agree that the application, if delivered or transmitted to the Lender

or Other Loan Participants as an electronic record with my electronic

signature, will be as effective and enforceable as a paper application

signed by me in writing.

(5) Delinquency

• The Lender and Other Loan Participants may report information

about my account to credit bureaus. Late payments, missed

payments, or other defaults on my account may be reflected in my

credit report and will likely affect my credit score.

• If I have trouble making my payments I understand that I may

contact a HUD-approved housing counseling organization for advice

about actions I can take to meet my mortgage obligations.

(6) Authorization for Use and Sharing of Information

By signing below, in addition to the representations and agreements

made above, I expressly authorize the Lender and Other Loan

Participants to obtain, use, and share with each other (i) the loan

application and related loan information and documentation, (ii) a

consumer report on me, and (iii) my tax return information, as

necessary to perform the actions listed below, for so long as they have

an interest in my loan of its servicing:

(a) process and underwrite my loan;

(b) verify any data contained in my consumer credit report, my

loan application and other information supporting my loan

application;

and Other Loan Participants;

(d) perform audit, quality control, and legal compliance analysis

and reviews;

(e) perform analysis and modeling for risk assessments;

(f) monitor the account for this loan for potential delinquenci

es and

determine any

assistance that may

be available to me; and

(g) other actions permissible under applicable law.

Borrower Signature

Date

(mm/dd/yyyy)

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx Form - URLA_7.frm (12/2020)

Effective 1/2021

Section 7: Military Service. This section asks questions about your (or your deceased spouse's) military service.

Military Service of Borrower

Military Service NO YES- Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?

If YES, check all that apply:

Currently serving on active duty with projected expiration date of service/tour (mm/dd/yyyy)

Currently retired, discharged, or separated from service

Only period of service was as a non-activated member of the Reserve or National Guard

Surviving spouse

Section 8: Demographic Information. This section asks about your ethnicity, sex, and race.

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. You may select one or more designations for

"Ethnicity" and one or more designations for "Race:"

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. If you do not wish to provide some or all of this

information, please check below.

Ethnicity: Check one or more

Hispanic or Latino

Mexican Puerto Rican Cuban

Other Hispanic or Latino - Print origin:

For Example: Argentinean, Colombian, Dominican,

Nicaraguan, Salvadoran, Spaniard, and so on.

Not Hispanic or Latino

I do not wish to provide this information

Sex

Female

Male

I do not wish to provide this information

Race: Check one or more

American Indian or Alaskan Native - Print name of enrolled

or principal tribe:

Asian

Asian Indian

Japanese

Other Asian - Print race:

Chinese

Korean

Filipino

Vietnamese

For example: Hmong, Laotian, Thai, Pakistani, Cambodian,

and so on.

Black or African American

Native Hawaiian or Other Pacific Islander

Native Hawaiian

Other Pacific Islander - Print race:

Guamanian or Chamorro Samoan

For example: Fijian, Tongan, and so on.

White

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?

Was the sex of the Borrower collected on the basis of visual observation or surname?

Was the race of the Borrower collected on the basis of visual observation or surname?

NO YES

The Demographic Information was provided through:

Face-to-Face Interview (includes Electronic Media w/ Video Component) Telephone Interview Fax or Mail Email or Internet

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx Form - URLA_8.frm (12/2020)

Effective 1/2021

Section 9: Loan Originator Information.

Loan Originator Informa

tion

Loan Originator Organization Name

Address

Loan Originator Organization NMLSR ID# State License ID#

Loan Originator Name

Loan Originator NMLSR ID# State License ID#

Email Phone

Signature Date (mm

/dd/yyyy)

Borrowe

r Name:

Uniform

Residential Loan Application

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx Form - URLA_9.frm (12/2020)

Effective 1/2021

Call A

Friend Financial Serv

ices, LLC

8003 Duffield Lane Houston, TX 77071

1209057

Conswella Fowler

CFowler@CAFFinancialServices.com 762-333-2790

Call

A Friend Financial Services, LLC | Originator: Conswella Fowler

1043458

To be comp

leted by theLender:

Lender Loan No. / Universal Loan Identifier

Agency

Case No.

Uniform Residential Loan Application — Lender Loan Information

This section is completed by your Lender.

L1. Property and Loan Information

Community Property State

At least one borrowe

r lives in a community property state.

The property is in a community property state.

Transaction Detail

Conversion of Contract for Deed or Land Contract

Renovation

Construction-Conversion/Construction-to-Permanent

Single-Closing Two-Closing

Construction/Improvement Cost $

Lot Acquired Date (mm

/dd/yyyy)

Original Cost of Lot $

Refinance Type

No Cash Out

Limited Cash Out

Cash Out

Refinance Program

Full Documentation

Interest Rate Reduction

Streamlined without Appraisal

Other

Energy Improvement

Mortgage loan will finance energy-related improvements.

Property is currently

subject to a lien that could take priority over the

first mortgage lien, such as a clean energy lien paid for through

property taxes (e.g., the Property Assessed Clean Energy program).

Project Type Condominium Cooperative Planned Unit Development (PUD) Property is not located in a project

L2. Title Information

tle to the Property be Held in What Name(s): Title to the Property is Held in What Name(s):

Fee Simple

Leasehold:

Sole Ow

nership

Life Estate

Tenancy in Common

Joint Tenancy with Right of Survivorship

Tenancy by the Entirety

Other

tle Will be Held by an (Living) Trust

Title Will be Held by a Land Trust

Fee Simple On a Reservation

Individual Trust Land (Allotted/Restricted)

Tribal Trust Land On a Reservation

Tribal Trust Land Off Reservation

Alaska Native Corporation Land

Will For Refinance: Currently

Estate Will be Held in

Manner in Which Title Will be Held

Trust Information

Indian Country Land Tenure

Expiration Date (mm/dd/yyyy)

Inter Vivos

L3. Mortgage Loan Information

Mortgage

Type Applied For Terms of Loan Mortgage Lien Type

Amortization Type Proposed Monthly Payment for Property

Loan Features

Conventional USDA-RD

FHA VA Other:

Note Rate %

Loan Term

First Lien

Subordinate Lien(months)

(explain):Fixed Rate

Adjustable Rate

Other

First Mortgage (P & I)

Subordinate Lien(s) (P & I)

Homeow

ner's Insurance

Supplemental Property Insurance

Property Taxes

Mortgage Insurance

Association/Project Dues (Condo, Co-Op, PUD)

Other

TOTAL

Adjustable Rate:

Initial Period Prior to First Adjustment

Subsequent Adjustment Period

(months)

Balloon / Balloon Term

Interest Only / Interest Only

Term

Negative Amortization

Prepay

ment Penalty

/ Prepayment Penalty Term

Temporary Interest Rate Buy

down / Initial Buydown Rate

Other

onths)

(months

)

(months)

(explain):

rrower Name(s):

Uniform Residential Loan Application — Lender Loan Information

Freddie Mac Form 65

Fannie Mae Form 1003

Caly

x Form - LenderLoan_1.frm (05/2020)

Effective 01/2021

0.00

Call A Friend Financial Services, LLC | Originator: Conswella Fowler

L4. Qualifying the Borrower - Minimum Required Funds or Cash Back

DUE FROM BORROWER(S)

H. TOTAL

DUE FROM BORROWER(s) (Total of A thru G)

Sales Contract Price $

Improvements, Renovations, and Repairs $

Land (if acquired separately

) $

For Refinance: Balance of Mortgage Loans on the Property to be paid off in the Transaction

Credit Cards and Other Debts Paid Off

Borrower Closing Costs (including Prepaid and Initial Escrow Payments) $

Discount Points $

(See Table 3a. Property You Own)

(See Table 2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe)

TOTAL MORTGAGE LOANS

K. TOTAL MORTGAGE LOANS (Total of I and J) $

Loan Amount

Loan Amount Excluding Financed Mortgage Insurance (or Mortgage Insurance Equivalent) $

Financed Mortgage Insurance (or Mortgage Insurance Equivalent) Amount $

Other New Mortgage Loans on the Property

the Borrower(s) is Buying or Refinancing

$(See Table 4b. Other New Mortgage Loans on the Property You are Buying or Refinancing)

TOTAL CREDITS

N. TOTAL

CREDITS (Total of L and M) $

Seller Credits $

Other Credits

CALCULATION

(Enter the amount of Borrower(s) costs paid by the property seller)

(Enter the sum of all other credits --- Borrower Paid Fees, Earnest Money, Employer Assisted

Housing, Lease Purchase Fund, Lot Equity, Relocation Funds, Sweat Equity, Other)

TAL DUE FROM BORROWER(s) (Line H)

LESS TOTAL MORTGAGE LOANS (Line K) AND TOTAL CREDITS (Line N)

Cash From/To the Borrower (Line H minus Line K and Line N)

NOTE: This amount does not include reserves or other funds that may be required by the Lender

to be verified.

Borrowe

r Name(s):

Uniform Residential Loan Application — Lender Loan Information

Freddie Mac Form 65 Fannie Mae Form 1003

Calyx

Form - LenderLoan_2.frm (05/2020)

Effective 1/2021

Call

A Friend Financial Services, LLC | Originator: Conswella Fowler

(Applicant) (Date) (Applicant) (Date)

EQUAL CREDIT OPPORTUNITY ACT

APPLICATION NO:

PROPERTY ADDRESS:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit

applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided

the applicant has the capacity to enter into a binding contract); because all or part of the

applicant's income derives from any public assistance program; or because the applicant has in

good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that

We are required to disclose to you that you need not disclose income from alimony, child support

or separate maintenance payment if you choose not to do so.

Having made this disclosure to you, we are permitted to inquire if any of the income shown on

your application is derived from such a source and to consider the likelihood of consistent

payment as we do with any income on which you are relying to qualify for the loan for which you

are applying.

CALYX Form Ecoa.frm (11/11)

administers compliance with this law concerning this company is the Office of the Comptroller of the

Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Houston, Texas 77010

Call A Friend Financial Services, LLC NMLS# 1209057

prequal

to be determined

Borrowers' Certification and Authorization

CERTIFICATION

The Undersigned certify the following:

1. I/We have applied for a mortgage loan through __________________________________. In applying

for the loan, I/We completed a loan application containing various information on the purpose of the

loan, the amount and source of the down payment, employment and income information, and the assets

and liabilities. I/We certify that all of the information is true and complete. I/We made no

misrepresentations in the loan application or other documents, nor did I/We omit any pertinent

information.

2. I/We understand and agree that ___________________________________________reserves the right to

change the mortgage loan review processes to a full documentation program. This may include verifying

the information provided on the application with the employer and/or the financial institution.

3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to

knowingly make any false statements when applying for this mortgage, as applicable under the

provisions of Title 18, United States Code, Section 1014.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:

1. I/We have applied for a mortgage loan through ________________________________. As part of

the application process, _____________________________________ and the mortgage guaranty insurer

(if any), may verify information contained in my/our loan application and in other documents required in

connection with the loan, either before the loan is closed or as part of its quality control program.

2. I/We authorize you to provide to ________________________________ and to any investor to

whom ___________________________________ may sell my mortgage, any and all information and

documentation that they request. Such information includes, but is not limited to, employment history

and income; bank, money market and similar account balances; credit history; and copies of income tax

returns.

3. ____________________________________ or any investor that purchases the mortgage may address

this authorization to any party named in the loan application.

4. A copy of this authorization may be accepted as an original.

Borrower Date

Co-Borrower Date

Calyx Form - borcera.frm (10/2013)

Call A Friend Financial Services, LLC NMLS# 1209057

Call A Friend Financial Services, LLC

click to sign

signature

click to edit

click to sign

signature

click to edit

Borrower Signature Authorization

1. Borrower 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under

its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your

application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,

Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.

seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stock

holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorize

the Lender/Broker to order a consumer credit report and verify other credit information, including past and present

mortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

Borrower Date

Part I - General Information

Part II - Borrower Authorization

Calyx Form - bsa.frm (10/2013)

Call A Friend Financial Services, LLC NMLS# 1209057

8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790

Call A Friend Financial Services, LLC

Borrower Signature Authorization

1. &RBorrower 2. Name and address of Lender/Broker

3. Date 4. Loan Number

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under

its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your

application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC,

Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et.

seq. (if USDA/FmHA).

I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stock

holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorize

the Lender/Broker to order a consumer credit report and verify other credit information, including past and present

mortgage and landlord references. It is understood that a copy of this form will also serve as authorization.

The information the Lender/Broker obtains is only to be used in the processing of my application for a mortgage loan.

&RBorrower Date

Part I - General Information

Part II - Borrower Authorization

Calyx Form - bsa.frm (10/2013)

Call A Friend Financial Services, LLC NMLS# 1209057

8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790

Call A Friend Financial Services, LLC

SERVICING DISCLOSURE STATEMENT

Originator: Date:

You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA)

(12 U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law. This statement describes

whether the servicing for this loan may be transferred to a different loan servicer.

"Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sending

any monthly or annual statements, tracking account balances, and handling other aspects of your loan.

You will be given advance notice before a transfer occurs.

We may assign, sell or transfer the servicing of your loan while the loan is outstanding.

We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or

transfer the servicing of your mortgage loan before the first payment is due.

The loan for which you have applied will be serviced at this financial institution and we do not intend

to sell, transfer, or assign the servicing of the loan.

Acknowledgment of Mortgage Loan Applicant(s)

I/We have read and understood the disclosure, and understand that the disclosure is a required part of the

mortgage application as evidenced by my/our signature(s) below;

Applicant Date Applicant Date

Calyx Form - sds.frm (11/11)

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR

MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED.

TEXAS MORTGAGE COMPANY DISCLOSURE

Residential Mortgage Loan Originator:

NMLS ID:

Check ALL that apply

Duties and Nature of Relationship

Wewill submit your loan application to a participating lender which we mayfrom time to time contract upon

such terms as you mayrequest or a lender may require. In connection with this mortgage loan, we are acting

as an independent contractor and not as your agent.

Wewill make your loan ourselves. In connection with this mortgage loan, we are acting as an independent

contractor and not as your agent.

We will be acting as follows:

How we will be compensated

The retail price we offer you - your interest rate, total points, and fees - will include our compensation. In

some cases we may be paid all of our compensation by you or by the lender or investor

Our pricing for your loan is based upon:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED

MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND

SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING

2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS

MAY BE OBTAINTED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE

CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT

OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE

COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR

REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE

DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE

RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV.

Applicant(s)

Signed:

Name:

Date:

Signed:

Name:

Date:

Residential Mortgage Loan Originator

Signed:

Name:

Date:

Calyx Form - TXMCD.frm (10/12)

Conswella Fowler

1043458

Conswella Fowler

Call A Friend Financial Services, LLC NMLS# 1209057

BORROWER'S BLANKET SIGNATURE AUTHORIZATION

I hereby authorize to verify my past and present employment

earnings records, bank accounts, stock holdings, and any other assets needed to process my

mortgage loan application.

I further authorize to order a consumer credit report and verify

other credit information, including past and present mortgage references. It is understood

a photocopy of this form will also serve as authorization.

The information the lender obtains is only to be used in the processing of my mortgage loan

application.

Borrower Date

Co-Borrower Date

NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy

Act of 1978 that HUD/FHA has a right of access to financial records held by financial institutions

in connection with the consideration or administration of assistance to you. Financial records

involving your transaction will be available to HUD/FHA without further notice or authorization

but will not by disclosed or released by this institution to another Government Agency or

Department without your consent except as required or permitted by law.

Calyx Form - bbsa.frm (05/02)

Call A Friend Financial Services, LLC

Call A Friend Financial Services, LLC NMLS# 1209057

Call A Friend Financial Services, LLC

Privacy Act Notice:This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its

program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application

for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37

(if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA).

Instructions: Broker - Complete items 1 through 7. Have applicant complete item 8. Forward directly to employer, named in item 1.

Employer - Please complete either Part II or Part III as applicable. Complete Part IV and return directly to broker named in item 2.

The form is to be transmitted directly to the broker and is not to be transmitted through the applicant or any other party.

1. To (Name and address of employer) 2. From (Name and address of broker)

I certify that this verification has been sent directly to the employer and has not passed through the hands of the applicant or any other interested party.

3. Signature of Broker 4. Title 5. Date 6. Broker's No. (Optional)

I have applied for a mortgage loan and stated that I am now or was formerly employed by you. My signature below authorizes verification of this information.

7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant

Request for Verification of Employment

9. Applicant's Date of Employment 10. Present Position 11. Probability of Continued Employment

12A. Current Gross Base Pay (Enter Amount and Check Period)

Annual

Monthly

Weekly

Hourly

Other (Specify)

12B. Gross Earnings

Type Year To Date Past Year _____ Past Year _____

Thru _____

Base Pay $ $ $

Overtime $ $ $

Commissions $ $ $

Bonus $ $ $

Total $ $ $

13. For Military Personnel Only

Pay Grade

Type Monthly Amount

Base Pay $

Rations $

Flight or

Hazard $

Clothing $

Quarters $

Pro Pay $

Overseas or

Combat $

Variable Housing

Allowance $

14. If Overtime or Bonus is Applicable,

Is Its Continuance Likely?

Overtime Yes

Yes

NoBonus

15. If paid hourly-average hours per week

16. Date of applicant's next pay increase

17. Projected amount of next pay increase

18. Date of applicant's last pay increase

19. Amount of last pay increase

20. Remarks (if employee was off work for any length of time, please indicate time period and reason)

21. Date Hired

22. Date Terminated

23. Salary/Wage at Termination Per (Year)(Month)(Week)

Base Overtime Commissions Bonus

24. Reason for Leaving 25. Position Held

26. Signature of Employer 27. Title (Please print or type) 28. Date

29. Print or type name signed in Item 26 30. Phone No.

Part I - Request

Part II - Verification of Present Employment

Part III - Verification of Previous Employments

Part IV - Authorized Signature

Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to influence

the issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA/FHA Commissioner, or the HUD/CPD Assistant Secretary.

Calyx Form - brkvoe.frm (11/07)

Loan Originator

1043458

Call A Friend Financial Services, LLC NMLS# 1209057

Conswella Fowler

8003 Duffield Lane

Houston, TX 77071

(P) 762-333-2790

Call A Friend Financial Services, LLC