Borrower’s Certification & Authorization

Certification

The undersigned certify the following:

1. I/We have applied for a mortgage loan from LOANS INC. In applying for the loan.

I/We completed a loan application containing various information on the purposes of the loan, the amount and

source of the down payment, employment and income information, and assets and liabilities. I/We certify that all

of the information is true and complete. I/We made no misrepresentations in the loan application with the employer

and/or other documents, nor did I/We omit any pertinent information.

2. I/We understand and agree that LOANS INC. reserves the right to change the mortgage loan review process 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 from LOANS INC. As part of the application process, LOANS INC. 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 understand and agree that LOANS INC. reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution.

3. LOANS INC. or any investor that purchases the mortgage may address this authorization to any party names in the loan application.

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

5. Your prompt reply to LOANS INC. or the investor that purchased the mortgage is appreciated.

___________________________________________

___________________________________________

Borrower's Signature

Co-Borrower's Signature

Borrower's Full Name

Date

Co-Borrower's Full Name

Date

Social Security Number:

Social Security Number: