Page 1

INITIAL APPLICATION

5805 Ahakea Street Kapaa, HI 96746

Application / Loan Number: R-001-0000012591

D

Regarding Property Address: 6829 Bridgewood Dr. Austell, GA 30168

LETTER

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Date: February 25, 2010 loanDepot. com, LLC 3355 Michelson Drive, Suite#300 Irvine, CA 92612 (888)337-6888 Daniel Spriggs:

DISCLOSURE

by

Dear Applicant(s), Enclosed you will find a copy of all or part of the documents listed below (see Enclosed Disclosure List section of this letter) in reference to your recent mortgage loan application. The disclosures show estimated figures based on information available at the time of application and preparation date. Figures and monthly payment information could vary during the processing and underwriting stages of your loan. At the time of closing the actual figures will be disclosed to you. Please retain these items of information for your records. Also, please note that this letter does not represent a commitment to lend. If you have any additional questions, please contact your loan representative. ENCLOSED DISCLOSURE LIST: Adjustable Rate Mortgage (ARM) Program Disclosure - only provided on ARM loans CHARM Booklet - only provided on ARM loans Settlement Costs and You Booklet Privacy Policy Credit Score/FICO Code Disclosures Initial Application Disclosure Letter (3-1281) BCA - BORROWERS CERT AND AUTH (3-218) PAT - IMPORTANT APP INFO (3-3147) Credit Score Information Disclosure (3-3198) GA0 - GA Application Disclosure (3-342) DSN - Disclosure Notices (3-286)

DDS-086

Initial Application Disclosure Letter

45T - VMPDOC IRS 4506T - VMP9045T Servicing Disclosure Statement (3-4934) Credit Score Notice (3-3197) APD - Appraisal Disclosure (3-2187) NAU - ANTI-COERCION DISC (3-3149)

(E) (3-2505)

(09/2006)


Loan Number: R-001-0000012591 Form

Request for Transcript of Tax Return

4506- T

Department of the Treasury Internal Revenue Service

Do not sign this form unless all applicable lines have been completed. Read the instructions on page 2. Request may be rejected if the form is incomplete, illegible, or any required line was blank at the time of signature.

OMB No. 1545-1872

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

(Rev. January 2008)

Tip: Use Form 4506- T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to order a transcript. If you need a copy of your return, use Form 4506 , Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first. Daniel Spriggs

1b First social security number on tax return or employer identification number (see instructions) 151-24-3110

If a joint return, enter spouse's name shown on tax return

3

Current name, address (including apt., room, or suite no.), city, state, and ZIP code

5805 Ahakea Street Kapaa, HI 96746

2b Second social security number if joint tax return

D

2a

Previous address shown on the last return filed if different from line 3

5

If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and telephone number. The IRS has no control over what the third party does with the tax information.

by

4

Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506- T, and lines 6 and 9 are blank. 6

Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days .......................... b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days .................. c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar days ..............................................................................................................

7

Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed within 10 business days ................................................................................................................................................................................

8

Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days ................................................

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9

Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506- T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506- T on behalf of the taxpayer. Telephone number of taxpayer on line 1a or 2a Signature (see instructions)

Sign Here

Date

Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse's signature For Privacy Act and Paperwork Reduction Act Notice, see page 2. Request for Transcript of Tax Return VMP Ž Banker Systems ™ Wolters Kluwer Financial Services

DDS-45T

Date Cat. No. 37667N

Form

4506- T

(Rev. 1-2008)

VMP9045T

(0901).00 Page 1 of 2


Loan Number: R-001-0000012591

Form 4506- T (Rev. 1-2008)

Page

General Instructions

Chart for all other transcripts

Purpose of form. Use Form 4506- T to request tax return information. You can also designate a third party to receive the information. See line 5.

If you lived in or your business was in:

Note: You can also call 1-800-829-1040 to request a transcript or get more information.

Chart for individual transcripts (Form 1040 series and Form W2) If you filed an individual return and lived in:

Mail or fax to the "Internal Revenue Service" at:

District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New York, Vermont

RAIVS Team Stop 679 Andover, MA 05501

Alabama, Delaware, Florida, Georgia, North Carolina, Rhode Island, South Carolina, Virginia

RAIVS Team P. O. Box 47-421 Stop 91 Doraville, GA 30362

Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A. P. O. or F. P. O. address

RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272

Alaska, Arizona, RAIVS Team California, Colorado, Stop 37106 Hawaii, Idaho, Iowa, Fresno, CA 93888 Kansas, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming 559-456-5876 RAIVS Team Arkansas, Connecticut, Illinois, Indiana, Michigan, Stop 6705-B41 Kansas City, MO 64999 Missouri, New Jersey, Ohio, Pennsylvania, West Virginia 816-292-6102

Request for Transcript of Tax Return VMP Ž Banker Systems ™ Wolters Kluwer Financial Services

DDS-45T

Connecticut, Delaware, District of Columbia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia, Wisconsin

801-620-6922

RAIVS Team P. O. Box 145500 Stop 2800 F Cincinnati, OH 45250

859-669-3592

978-247-9255

770-455-2335

Partnerships. Generally, Form 4506- T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9.

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

If you are requesting more than one transcript or other product and the chart below shows two different service centers, mail your request to the service center based on the address of your most recent return.

RAIVS Team P. O. Box 9941 Mail Stop 6734 Ogden, UT 84409

D

Where to file. Mail or fax Form 4506- T to the address below for the state you lived in when that return was filed. There are two address charts: one for individual transcripts (Form 1040 series and Form W-2) and one for all other transcripts.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wyoming, a foreign country, or A. P. O. or F. P. O. address

by

Tip: Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns.

Mail or fax to the "Internal Revenue Service" at:

2

Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN. Line 6. Enter only one tax form number per request. Signature and date. Form 4506- T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506- T within 60 days of the date signed by the taxpayer or it will be rejected. Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506- T exactly as your name appeared on the original return. If you changed your name, also sign your current name. Corporations. Generally, Form 4506- T can be signed by: (1) an officer having legal authority to bind the corporation, (2) any person designated by the board of directors or other governing body, or (3) any officer or employee on written request by any principal officer and attested to by the secretary or other officer.

All others. See Internal Revenue Code section 6103( e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the Letters Testamentary authorizing an individual to act for an estate. Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. Sections 6103 and 6109 require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties.

Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, and the District of Columbia for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103. The time needed to complete and file Form 4506- T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506- T simpler, we would be happy to hear from you. You can write to the Internal Revenue Service, Tax Products Coordinating Committee, SE: W: CAR: MP: T:T:SP, 1111 Constitution Ave NW, IR-6406, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.

VMP9045T

(0901).00 Page 2 of 2


Loan Number: R-001-0000012591

Borrower's Certification & Authorization on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Certification The undersigned certify the following: 1. I/We have applied for a mortgage loan from loanDepot. com, LLC (lender). 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 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. I/We understand and agree that loanDepot. com, LLC (lender) 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.

D

2.

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Authorization to Release Information To Whom It May Concern: 1. I/We have applied for a mortgage loan from loanDepot. com, LLC (lender). As part of the application process, loanDepot. com, LLC (lender) 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 loanDepot. com, LLC (lender), and to any investor to whom loanDepot. com, LLC (lender) may sell my/our 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.

loanDepot. com, LLC (lender) or any investor that purchases the mortgage may address this authorization to any party named in the loan application or disclosed by any consumer credit reporting agency or similar source.

4.

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

5.

Your prompt reply to loanDepot. com, LLC (lender) or the investor that purchased the mortgage is appreciated. 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 be disclosed or released by this institution to another Government Agency or Department without your consent except as required or permitted by law.

(Borrower's Signature)

Daniel Spriggs

(Borrower's Signature) Wolters Kluwer Financial Services VMP 速 -50 (0707) DDS-BCA

(Date)

(Date) 7/07


Date February 25, 2010 Lender loanDepot. com, LLC 3355 Michelson Drive, Suite#300 Irvine, CA 92612

Property Address 6829 Bridgewood Dr. Austell, GA 30168

DISCLOSURE

STATEMENT

Loan Number R-001-0000012591 Borrower Daniel Spriggs

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

SERVICING

by

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NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. 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. Servicing Transfer Information X

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.

By signing below, I/we acknowledge receiving a copy of this disclosure.

Applicant

Date

Applicant

Date

Date

Applicant

Date

Daniel Spriggs

Applicant

Servicing Disclosure Statement VMP Ž Wolters Kluwer Financial Services Š 2005, 2008

VMP552R (0812).00 Page 1 of 1


IMPORTANT APPLICANT

INFORMATION

Lender:

Borrower Name(s): Daniel Spriggs

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

loanDepot. com, LLC

3355 Michelson Drive, Suite#300 Irvine, CA 92612

Property Address: 6829 Bridgewood Dr. Austell, GA 30168

Date: February 25, 2010

by

D

Loan Number: R-001-0000012591

IMPORTANT INFORMATION ABOUT ACCOUNT OR REQUESTING A LOAN

PROCEDURES

FOR OPENING

A NEW

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or requests a loan. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Daniel Spriggs

-128 DDS-PAT

(0308)

VMP Mortgage Solutions (800) 521-7291

8/03


CREDIT SCORE NOTICE Lender:

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Borrower Name(s): Daniel Spriggs

loanDepot. com, LLC

3355 Michelson Drive, Suite#300 Irvine, CA 92612

Date: February 25, 2010

Loan Number: R-001-0000012591

NOTICE TO THE HOME LOAN APPLICANT

by

D

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions concerning the terms of the loan, contact the lender. One or more of the following consumer reporting agencies will provide the credit score: Experian Equifax Credit Information Services Trans Union 701 Experian Parkway P. O. Box 2000 P. O. Box 740241 P. O. Box 2002 Chester, PA 19022 Atlanta, GA 30374 Allen, TX 75013 1-800-685-1111 1-800-916-8800 www.equifax.com 1-888-397-3742 www.transunion.com www.experian.com/reportaccess

Wolters Kluwer Financial Services - VMP

-140

(0608)

Page 1 of 2

8/06


Borrower

Date

Daniel Spriggs

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Your acknowledgment below signifies that this written notice was provided to you.

Borrower

Date

Borrower

Date

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

by

D

Borrower

Wolters Kluwer Financial Services - VMP

-140

(0608)

Page 2 of 2

8/06


DISCLOSURE

OF CREDIT SCORE INFORMATION Lender: loanDepot. com, LLC 3355 Michelson Drive, Suite#300 Irvine, CA 92612

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Borrower Name: Daniel Spriggs Property Address: 6829 Bridgewood Dr. Austell, GA 30168

Date: February 25, 2010

Loan Number: R-001-0000012591

Credit Score Provider

Equifax (EFX) / Beacon

Current/Most Recent Credit Score

by

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We are providing the following credit score information in connection with your loan application.

Experian (XPN) / Fair Isaac

TransUnion (TUC) / Empirica

707

736

743

Range of Possible Credit Scores

250-950

250-950

250-950

Date of Credit Score

February 19, 2010

February 19, 2010

February 19, 2010

00011

10

030

00018

08

010

00030

13

011

00010

18

013

Key Factors Adversely Affecting Score

-139

(0501)

VMP Mortgage Solutions, Inc. (800) 521-7291

1/05


APPRAISAL DISCLOSURE Lender: loanDepot. com, LLC 3355 Michelson Drive, Suite#300 Irvine, CA 92612

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Borrower Name(s): Daniel Spriggs

Property Address:

Date:

6829 Bridgewood Dr. Austell, GA 30168

by

D

February 25, 2010 Loan Number: R-001-0000012591

You have the right to a copy of the appraisal report used in connection with your application for credit. If you wish a copy, please write to us at the mailing address we have provided. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or you withdraw your application. Contact: Kimberly Wendt Lender/Broker: loanDepot. com, LLC Address: 3355 Michelson Drive, Suite#300 Irvine, CA 92612 Telephone: (888)337-6888 In your letter, give us the following information: Daniel Spriggs

5805 Ahakea Street Kapaa, HI 96746

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Daniel Spriggs

-122 DDS-APD

(0004).01

VMP MORTGAGE

FORMS - (800) 521-7291

12/93


APPLICATION

DISCLOSURE Lender: loanDepot. com, LLC

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Borrower Name(s): Daniel Spriggs

3355 Michelson Drive, Suite#300 Irvine, CA 92612

Date: February 25, 2010 Loan Number: R-001-0000012591

by

D

Property Address: 6829 Bridgewood Dr. Austell, GA 30168

ADVANCE FEES The following fees are being charged in connection with the processing of your loan application. Other fees not shown here may be payable later and are shown on the Good Faith Estimate of Closing Costs. Nonrefundable fees are subject to applicable limitations of state or federal law. If these fees are being accepted by the mortgage lender or mortgage broker, such lender or broker cannot guarantee approval of the loan application or acceptance into a particular loan program. Name of Fee

Amount

Application Fee

$

0.00

The Application fee will be applied toward the cost of processing the loan. The fee is Nonrefundable.

Appraisal Fee Deposit

$

380.00

The deposit will be applied toward the total cost of the appraisal, which may exceed the amount of the deposit. The deposit is refundable only if the loan is denied or withdrawn prior to the Lender ordering the appraisal.

Credit Report Deposit

$

15.00

The deposit will be applied toward the total cost of the credit report, which may exceed the amount of the deposit. The deposit is refundable only if the loan is denied or withdrawn prior to the Lender ordering the credit report.

-1048(GA)

(9609).03

VMP MORTGAGE Page 1 of 2

DDS-GA0

Important Information

9/96 FORMS - (800) 521-7291 Initials:


on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

LENDER CONTACT If you have any questions regarding your application, please contact: Name: Kimberly Wendt Lender's Name: loanDepot. com, LLC

Lender's Address: 3355 Michelson Drive, Suite#300, Irvine, CA 92612

Borrower

Date

Daniel Spriggs

D

Telephone Number: (888)337-6888 I/We have read the above disclosure and acknowledge receiving a copy by signing below.

Borrower

Date

Borrower

Date

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

-1048(GA) DDS-GA0

(9609).03

by

Borrower

Page 2 of 2

9/96


ANTI-COERCION Borrower Name(s): Daniel Spriggs

DISCLOSURE

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Lender: loanDepot. com, LLC

3355 Michelson Drive, Suite#300 Irvine, CA 92612 Date: February 25, 2010

Loan Number: R-001-0000012591

by

D

Property Address: 6829 Bridgewood Dr. Austell, GA 30168

You have applied for an extension of credit with us. We are soliciting, offering, or selling you an insurance product or annuity in connection with this extension of credit. WE ARE PROHIBITED FROM CONDITIONING

THE EXTENSION OF CREDIT ON EITHER:

1.

The purchase of an insurance product or annuity from us or from any of our affiliates; or

2.

The agreement not to obtain, or a prohibition on you from obtaining, an insurance product or annuity from an unaffiliated entity.

By signing, I/we acknowledge that I/we have received a copy of this form on today's date. Unless this disclosure is provided electronically or I/we have applied for credit by mail, I/we also acknowledge that you have provided this disclosure orally.

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Date

Borrower

Daniel Spriggs

-1039

(0209).01 VMP MORTGAGE

DDS-NAU

9/02 FORMS - (800) 521-7291


Loan Number: R-001-0000012591

DISCLOSURE NOTICES Applicant(s)

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Property Address 6829 Bridgewood Dr. Austell, GA 30168

Daniel Spriggs

AFFIDAVIT OF OCCUPANCY

The Applicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy status will be as follows: Primary Residence - Occupied by Applicant(s) within 60 days of closing.

X

Secondary Residence - A secondary residence is a single family property that either is currently or will be occupied by at least one of the Borrowers in addition to their primary residence. It will not be income producing.

Investment Property - Not owner occupied. Purchased as an investment to be held or rented.

O C C U P A N C Y

by

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The Applicant(s) acknowledge it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014. APPLICANT Daniel Spriggs

APPLICANT

APPLICANT

APPLICANT

FAIR CREDIT REPORTING ACT F C R A

An investigation will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any investigation will be furnished to you upon written request made within a reasonable period of time. In the event of denied credit due to an unfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making such report and of right to request within sixty (60) days the reason for the adverse action, pursuant to provisions of Section 615( b) of the Fair Credit Reporting Act. You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency if an adverse action is taken on your loan application. Under Section 612 of the Fair Credit Reporting Act you have the right to obtain within 60 days of an adverse action a free copy of the report from the consumer reporting agency. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency.

EQUAL CREDIT OPPORTUNITY ACT E C O A

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on a basis of race, color, religion, national origin, sex, marital status, age (provided that 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 administers compliance with this law concerning this creditor is:

Wolters Kluwer Financial Services VMP 速 -550 (0709) Page 1 of 2

DDS-DSN

9/07


FHA LOANS ONLY GOVERNMENT LOANS ONLY

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L O A N S

IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST CHARGES UNTIL THE END OF THAT MONTH.

RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of Housing and Urban Development or Department of Veterans Affairs has a right of access to financial records held by a financial institution in connection with the consideration of administration of assistance to you. Financial records involving your transaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairs without further notice or authorization but will not be disclosed or released to another Government agency or Department without your consent except as required or permitted by law.

INCOME / EMPLOYMENT

S T A T E M E N T

ANTI-COERCION STATEMENT

The lender may not require the applicant to take insurance through any particular insurance agent or company to protect the mortgaged property. The applicant has the right to have the insurance placed with an insurance agent or company of his choice, provided the company meets the requirements of the lender. The lender has the right to designate reasonable financial requirements as to the company and the adequacy of the coverage.

D

I N S U R A N C E

An approval for a loan is based upon employment, income and obligations as shown on the loan application. Income which you receive as alimony, child support or separate maintenance need not be disclosed to this creditor unless you choose to rely on such sources to qualify for the loan. Income from these and other sources, including part-time or temporary employment, will not be discounted by this lender because of your sex or marital status. However, we will consider very carefully the stability and probable continuity of any income you disclose to us. At closing, the applicant and coapplicant/spouse, if applicable, are required to execute a sworn statement affirming that they are currently working as previously reported, have not received notice of layoff nor have knowledge of pending layoff, and that outstanding obligations are substantially the same as reported on the application. Should a change occur in your employment or financial status prior to loan closing, immediately notify your loan officer, as it will be necessary to obtain approval of any changes.

by

E M P L O Y

I have read the foregoing statement and understand my rights and privileges and those of the lender relative to the placing of such insurance. I have selected the following agencies to write the insurance covering the property described above:

Insurance Company Name

Agent

Agent's Address

Agent's Telephone Number

INSURANCE LOSS PAYABLE CLAUSE Please notify your insurance agent that your hazard insurance and if applicable, your flood insurance, should include a standard mortgagee and/or loss payable clause in favor of the lender. The lender should be named as follows:

loanDepot. com, LLC It's successors and/or assigns 3355 Michelson Drive Suite 300 I/We hereby certify that I/we have read and understand these notices. In addition to these notices, I/we the applicant(s) certify that I/we have received Irvine, CA 92612 the "Settlement Cost Booklet" and the "Consumer Handbook on Adjustable Rate Mortgages" (CHARM booklet), if applicable.

N O T I F I C A T I O N

VMP

APPLICANT

Daniel Spriggs

DATE

APPLICANT

DATE

APPLICANT

DATE

APPLICANT

DATE

-550

DDS-DSN

(0709)

Page 2 of 2

9/07


Attached Files

by

D

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The icons on this page represent the attached files.Double-click an icon to open, or view them from the Attachments Tab


TRUTH-IN-LENDING DISCLOSURE STATEMENT (THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND) LENDER OR LENDER'S AGENT: Final loanDepot.com, LLC X Preliminary 3355 Michelson Drive, Suite #300, Irvine, CA 92612 DATE: February 25, 2010 LOAN NO.: R-001-0000012591 BORROWERS: Type of Loan: Conventional Daniel Spriggs

ADDRESS: 5805 Ahakea Street, Kapaa, HI 96746 PROPERTY: 6829 Bridgewood Dr., Austell, GA 30168 ANNUAL PERCENTAGE RATE

FINANCE CHARGE

Amount Financed

Total of Payments

The cost of your credit as a yearly rate.

The dollar amount the credit will cost you.

The amount of credit provided to you or on your behalf.

The amount you will have paid after you have made all payments as scheduled.

5.473 % PAYMENT SCHEDULE: NUMBER AMOUNT OF OF PAYMENTS PAYMENTS

126,056.39

$

PAYMENTS ARE DUE

NUMBER OF PAYMENTS

monthly BEGINNING

05/01/10 04/01/40

$

247,331.49 PAYMENTS ARE DUE

AMOUNT OF PAYMENTS

monthly BEGINNING

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687.02 691.31

121,275.10

by

D

359 1

$

X

DEMAND FEATURE:

This loan does not have a Demand Feature.

This loan has a Demand Feature as follows:

VARIABLE RATE FEATURE: This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier. SECURITY:

You are giving a security interest in the property located at:

ASSUMPTION:

Someone buying this property

X

6829 Bridgewood Dr., Austell, GA

30168

cannot assume the remaining balance due under original mortgage terms

may assume, subject to lender's conditions, the remaining balance due under original mortgage terms. FILING / RECORDING FEES:

$

68.00

PROPERTY INSURANCE: X Property hazard insurance with a mortgagee clause to the lender is a required condition of this loan. Borrower may purchase this insurance from any insurance company acceptable to the lender. is

Hazard insurance LATE CHARGES:

X

is not available through the lender at an estimated cost of

If your payment is more than

15

days late, you will be charged a late charge of

for a

year term.

5.000% of Principal and

Interest PREPAYMENT: may may

If you pay off your loan early, you have to pay a penalty. X will not

X

will not

be entitled to a refund of part of the finance charge.

See your contract documents for any additional information regarding non-payment, default, required repayment in full before scheduled date, and prepayment refunds and penalties. You are not required to complete this agreement merely because you have received these disclosures or signed a loan application. e means estimate I/We hereby acknowledge reading and receiving a complete copy of this disclosure.

Daniel Spriggs

BORROWER/DATE

BORROWER/DATE

BORROWER/DATE

BORROWER/DATE

R-001-0000012591 Truth-In-Lending Disclosure VMP Wolters Kluwer Financial Services

2000, 2009

VMP702 (0905) Page 1 of 2


DEFINITION OF TRUTH-IN-LENDING TERMS

ANNUAL PERCENTAGE RATE This is not the Note rate for which the borrower applied. The Annual Percentage Rate (APR) is the cost of the loan in percentage terms taking into account various loan charges of which interest is only one such charge. Other charges which are used in calculation of the Annual Percentage Rate are Private Mortgage Insurance or FHA Mortgage Insurance Premium (when applicable) and Prepaid Finance Charges (loan discount, origination fees, prepaid interest and other credit costs). The APR is calculated by spreading these charges over the life of the loan which results in a rate generally higher than the interest rate shown on your Mortgage/Deed of Trust Note. If interest was the only Finance Charge, then the interest rate and the Annual Percentage Rate would be the same.

PREPAID FINANCE CHARGES

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Prepaid Finance Charges are certain charges made in connection with the loan and which must be paid upon the close of the loan. These charges are defined by the Federal Reserve Board in Regulation Z and the charges must be paid by the borrower. Non-Inclusive examples of such charges are: Loan origination fee, "Points" or Discount, Private Mortgage Insurance or FHA Mortgage Insurance, Tax Service Fee. Some loan charges are specifically excluded from the Prepaid Finance Charge such as appraisal fees and credit report fees. Prepaid Finance Charges are totaled and then subtracted from the Loan Amount (the face amount of the Deed of Trust/Mortgage Note). The net figure is the Amount Financed as explained below.

FINANCE CHARGE

The amount of interest, prepaid finance charge and certain insurance premiums (if any) which the borrower will be expected to pay over the life of the loan.

AMOUNT FINANCED

by

D

The Amount Financed is the loan amount applied for less the prepaid finance charges. Prepaid finance charges can be found on the Good Faith Estimate/Settlement Statement (HUD-1 or 1A). For example if the borrower's note is for $100,000 and the Prepaid Finance Charges total $5,000, the Amount Financed would be $95,000. The Amount Financed is the figure on which the Annual Percentage Rate is based.

TOTAL OF PAYMENTS This figure represents the total of all payments made toward principal, interest and mortgage insurance (if applicable).

PAYMENT SCHEDULE The dollar figures in the Payment Schedule represent principal, interest, plus Private Mortgage Insurance (if applicable). These figures will not reflect taxes and insurance escrows or any temporary buydown payments contributed by the seller.

R-001-0000012591 Truth-In-Lending Disclosure VMP Wolters Kluwer Financial Services

2000, 2009

VMP702 (0905) Page 2 of 2


ITEMIZATION OF AMOUNT FINANCED FOR TRUTH-IN-LENDING DATE February 25, 2010 LOAN NO. R-001-0000012591 LOAN TYPE Conventional

BORROWERS Daniel Spriggs

LENDER: loanDepot.com, LLC ADDRESS 5805 Ahakea Street CITY/STATE/ZIP Kapaa, HI 96746 PROPERTY 6829 Bridgewood Dr., Austell, GA

30168

ITEMIZATION OF THE AMOUNT FINANCED 121,275.10

$

121,275.10

$

AMOUNT GIVEN TO YOU DIRECTLY

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$

AMOUNT PAID ON YOUR ACCOUNT

AMOUNTS PAID TO OTHERS ON YOUR BEHALF: AMOUNT

PAYEE/FOR

$

1,495.00

Origination Fee

$

(2,571.25)

$

10.00

Flood Certification Fee

$

91.15

Daily Interest

$

700.00

by

D

Discount Fee

Escrow/Settlement/Closing Fee

$ $ $ $ $

(275.10)

$

PREPAID FINANCE CHARGE

I/WE ACKNOWLEDGE RECEIPT OF AMOUNT FINANCED ITEMIZATION, AND AUTHORIZE DIRECT DISBURSEMENT AS SET FORTH IN THIS AMOUNT FINANCED ITEMIZATION.

BORROWER

Daniel Spriggs

BORROWER

E=ESTIMATED -723 (9209).02

DATE

BORROWER

DATE

DATE

BORROWER

DATE

R-001-0000012591 VMP Mortgage Solutions, Inc. (800)521-7291

9/92


REQUIRED PROVIDER OF SETTLEMENT SERVICE ADDENDUM TO GOOD FAITH ESTIMATE OF SETTLEMENT CHARGES Date: Loan Number: February 25, 2010 R-001-0000012591 Lender Name: loanDepot.com, LLC Lender Address: 3355 Michelson Drive, Suite #300, Irvine, CA 92612 Borrower(s) Name: Daniel Spriggs

Property Address: 6829 Bridgewood Dr., Austell, GA

30168

The Lender requires that you use a particular provider for certain settlement services and/or the Lender will select a particular provider from a lender-controlled list. The estimate of the charge for this settlement service contained on the Good Faith Estimate is based on the charges of the particular provider required or, if the Lender will select from among a lender-controlled list, the Good Faith Estimate contains a range of costs for the required providers on the list. The name and exact cost of the provider selected by the Lender will be specified on the HUD-1 or HUD-1A settlement statement.

The following are settlement service providers required by the Lender.

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Name, Address and Telephone Number of Provider

Nature of Lender Relationship with Service Provider

by

D

Settlement Service

For each of the following settlement services, the Lender will select the provider from among a lender-controlled list of five (5) or more providers. Settlement Service

Borrower

Daniel Spriggs

Borrower

-118

(9712).02 VMP MORTGAGE FORMS - (800)521-7291

12/97

Date

Borrower

Date

Date

Borrower

Date


OMB Approval No. 2502-0265

Good Faith Estimate (GFE)

Name of Originator loanDepot.com, LLC

Borrower

Daniel Spriggs

Property Address

6829 Bridgewood Dr., Austell, GA

Originator 3355 Michelson Drive, Suite #300, Irvine, CA 92612 Address

Originator Phone Number (888)337-6888 Originator Email

30168

Date of GFE February 24, 2010

This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more information, see HUD's Special Information Booklet on settlement charges, your Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/respa. If you decide you would like to proceed with this loan, contact us.

Shopping for your loan

Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find the best loan. Use the shopping chart on page 3 to compare all the offers you receive.

Important dates

. After this time, the interest rate, 1. The interest rate for this GFE is available through 03/27/10 12:00 AM some of your loan Origination Charges, and the monthly payment shown below can change until you lock your interest rate.

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Purpose

2. This estimate for all other settlement charges is available through 03/07/10 3. After you lock your interest rate, you must go to settlement within 30 locked interest rate.

.

days (your rate lock period) to receive the

days before settlement.

Summary of your loan

by

D

4. You must lock the interest rate at least 5

12:00 AM

Your initial loan amount is Your loan term is Your initial interest rate is Your initial monthly amount owed for principal, interest, and any mortgage insurance is Can your interest rate rise?

$ 121,000.00 30 years 5.500 %

Even if you make payments on time, can your loan balance rise? Even if you make payments on time, can your monthly amount owed for principal, interest, and any mortgage insurance rise?

X No

Does your loan have a prepayment penalty?

X No

Does your loan have a balloon payment?

X No

$ 687.02 X No

X No

per month Yes, it can rise to a maximum of %. The first change will be in . Yes, it can rise to a maximum of $ . Yes, the first increase can be in and the monthly amount owed can rise to . The maximum it can $ ever rise to is $ . Yes, your maximum prepayment penalty is $ . Yes, you have a balloon payment of $ due in years.

Escrow account information

Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in addition to your monthly amount owed of $ 687.02 . Do we require you to have an escrow account for your loan? No, you do not have an escrow account. You must pay these charges directly when due. X Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.

Summary of your settlement charges

A Your Adjusted Origination Charges B A

Good Faith Estimate (HUD-GFE) VMP Wolters Kluwer Financial Services

(See page 2.)

Your Charges for All Other Settlement Services

B

Total Estimated Settlement Charges

(See page 2.)

$

(1,076.25)

$

3,218.15

$

2,141.90

R-001-0000012591 11/17/08 Page 1 of 3

VMP116F (0908)


Understanding your estimated settlement charges

Your Adjusted Origination Charges 1. Our origination charge This charge is for getting this loan for you. 2. Your credit or charge (points) for the specific interest rate chosen The credit or charge for the interest rate of % is included in "Our origination charge." (See item 1 above.) for this interest rate of X You receive a credit of $ (2,571.25) 5.500 %. This credit reduces your settlement charges. %. You pay a charge of $ for this interest rate of This charge (points) increases your total settlement charges. The tradeoff table on page 3 shows that you can change your total settlement charges by choosing a different interest rate for this loan.

A

1,495.00

(2,571.25)

$

Your Adjusted Origination Charges

(1,076.25)

Your Charges for All Other Settlement Services 3. Required services that we select These charges are for services we require to complete your settlement. We will choose the providers of these services. Charge Service Service Appraisal Fee Credit Report Fee Flood Certification Fee

Charge

380.00 15.00 10.00

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Some of these charges can change at settlement. See the top of page 3 for more information.

405.00

4. Title services and lender's title insurance This charge includes the services of a title or settlement agent, for example, and title insurance to protect the lender, if required. 5. Owner's title insurance You may purchase an owner's title insurance policy to protect your interest in the property. 6. Required services that you can shop for These charges are for other services that are required to complete your settlement. We can identify providers of these services or you can shop for them yourself. Our estimates for providing these services are below. Charge Service Charge Service

1,145.00

by

D

0.00

0.00

7. Government recording charges These charges are for state and local fees to record your loan and title documents. 8. Transfer taxes These charges are for state and local fees on mortgages and home sales. 9. Initial deposit for your escrow account This charge is held in an escrow account to pay future recurring charges on your property other and includes X all property taxes, X all insurance, and

68.00 363.00

. 10. Daily interest charges This charge is for the daily interest on your loan from the day of your settlement until the first day of the next month or the first day of your normal mortgage payment cycle. This per day for 5 days (if your settlement is 03/27/10 ). amount is $ 18.23 11. Homeowner's insurance This charge is for the insurance you must buy for the property to protect from a loss, such as fire. Charge Charge Policy Policy

1,146.00

91.15

0.00

B A

Good Faith Estimate (HUD-GFE) VMP Wolters Kluwer Financial Services

Your Charges for All Other Settlement Services

B

Total Estimated Settlement Charges

$

3,218.15

$

2,141.90

R-001-0000012591 11/17/08 Page 2 of 3

VMP116F (0908)


Instructions

This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs. Compare the charges on the HUD-1 with the charges on this GFE. Charges can change if you select your own provider and do not use the companies we identify. (See below for details.) These charges cannot increase at settlement:

Understanding which charges can change at settlement

. .

Our origination charge Your credit or charge (points) for the specific interest rate chosen (after you lock in your interest rate)

The total of these charges can increase up to 10% at settlement:

These charges can change at settlement:

. Required services that we select . Title services and lender's title

.

Required services that you can shop for (if you do not use companies we identify)

.

Title services and lender's title insurance (if you do not use companies we identify)

.

Owner's title insurance (if you do not use companies we identify)

insurance (if we select them or you use companies we identify)

.

Your adjusted origination charges (after you lock in your interest rate)

. Owner's title insurance (if you use

.

Transfer taxes

. Required services that you can shop

companies we identify) for (if you use companies we identify)

. Government recording charges

In this GFE, we offered you this loan with a particular interest rate and estimated settlement charges. However: . If you want to choose this same loan with lower settlement charges, then you will have a higher interest rate. . If you want to choose this same loan with a lower interest rate, then you will have higher settlement charges. If you would like to choose an available option, you must ask us for a new GFE. Loan originators have the option to complete this table. Please ask for additional information if the table is not completed. The loan in this GFE

The same loan with lower settlement charges

The same loan with a lower interest rate

Your initial loan amount Your initial interest rate 1 Your initial monthly amount

$ 121,000.00 5.500 %

$ 121,000.00 %

$ 121,000.00 %

owed

$ 687.02 No change

$ You will pay $

$ You will pay $

more every month Your settlement charges will be reduced by

less every month Your settlement charges will increase by

Change in the monthly amount owed from this GFE Change in the amount you will pay at settlement with this interest rate

No change

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Using the tradeoff table

. Initial deposit for your escrow account . Daily interest charges . Homeowner's insurance

$ $ How much your total estimated $ 2,141.90 settlement charges will be $ $ 1 For an adjustable rate loan, the comparisons above are for the initial interest rate before adjustments are made.

D

Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column for each GFE you receive. By comparing loan offers, you can shop for the best loan.

by

Using the shopping chart

This loan Loan originator name

loanDepot.com, LLC

Initial loan amount Loan term

$ 121,000.00 30 years

Initial interest rate

Prepayment penalty? Balloon payment?

5.500 % $ 687.02 30 No No No No No

Total Estimated Settlement Charges

$ 2,141.90

Initial monthly amount owed Rate lock period Can interest rate rise? Can loan balance rise? Can monthly amount owed rise?

If your loan is sold in the future

Loan 2

Loan 3

Loan 4

Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or the charges you paid at settlement.

Good Faith Estimate (HUD-GFE) VMP Wolters Kluwer Financial Services

R-001-0000012591 11/17/08 Page 3 of 3

VMP116F (0908)


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3355 Michelson Drive, Suite 300 Irvine, CA 92612-0684 1-888-DEPOT88 www.loandepot.com

Borrower Acknowledgement of Appraisal Delivery

Date:

02/25/10

Borrower:

Daniel Spriggs

D

Co-Borrower:

by

Case No: Loan No:

R-001-0000012591

Property:

6829 Bridgewood Dr., Austell, GA 30168

As earlier disclosed in the Appraisal Report Delivery Disclosure, I understand that I am entitled to receive a copy of any appraisal concerning the subject property at least three business days prior to signing my loan documents (also called the loan closing) and that I may waive this three-day requirement. By signing below, I either (i) acknowledge receipt of any appraisal concerning the subject property at least three (3) business days prior to closing, or (ii) acknowledge that I have at a prior date waived the three (3) business day advance receipt of any appraisal concerning the subject property and have agreed to receive a copy of any appraisal no later than at the time of the loan closing. If there are multiple borrowers on this loan application, only one borrower is required to sign below.

Daniel Spriggs

Borrower Signature

Co-Borrower Signature


Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower," as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when

the income or assets of a person other than the Borrower

the income or assets of the Borrower's spouse or other person who has

(including the Borrower's spouse) will be used as a basis for loan qualification or

community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

Borrower

Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage Applied for:

X

VA FHA

Amount

Conventional

Agency Case Number

Other (explain):

Lender Case Number

USDA/Rural Housing Service Interest Rate No. of Months Amortization

Other (explain): X Fixed Rate Type: GPM ARM (type): 5.500 % 360 II. PROPERTY INFORMATION AND PURPOSE OF LOAN

$ 121,000.00

No. of Units

Subject Property Address (street, city, state & ZIP)

6829 Bridgewood Dr., Austell, GA

30168

1 Year Built

Legal Description of Subject Property (attach description if necessary) See Title

1999 Purpose of Loan

Purchase

Construction

Property will be: Primary Residence

Other (explain):

Construction-Permanent X Refinance Complete this line if construction or construction-permanent loan.

$

Amount Existing Liens

(a) Present Value of Lot

(b) Cost of Improvements

Total (a + b)

$

$

$

$

Complete this line if this is a refinance loan. Original Cost Year Acquired

Amount Existing Liens

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Year Lot Original Cost Acquired

Secondary Residence

X

Purpose of Refinance

2008

$ 150,000.00 $ 118,348.00 Title will be held in what Name(s) Daniel A. Spriggs

Describe Improvements

made

Cost: $ Manner in which Title will be held

to be made

Estate will be held in:

Unmarried man as sole and

X

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

III. BORROWER INFORMATION

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

X

Unmarried (include single, divorced, widowed)

Present Address (street, city, state, ZIP)

DOB (mm/dd/yyyy)

Yrs. School

11/8/1932

12

X

Co-Borrower

Dependents (not listed by Co-Borrower) no. ages

Social Security Number Home Phone (incl. area code)

0

Separated

expiration date)

DOB (mm/dd/yyyy)

Yrs. School

D

(808)652-9660

by

Social Security Number Home Phone (incl. area code)

Married

Fee Simple Leasehold (show

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

Spriggs, Daniel 151-24-3110

Investment

Married

Unmarried (include single, divorced, widowed)

Dependents (not listed by Borrower) no. ages

Separated

Rent 9

Own

No. Yrs.

Present Address (street, city, state, ZIP)

Own

Rent

No. Yrs.

Rent

No. Yrs.

5805 Ahakea Street Kapaa, HI 96746 Mailing Address, if different from Present Address

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following: Former Address (street, city, state, ZIP)

Own

Rent

Former Address (street, city, state, ZIP)

IV. EMPLOYMENT INFORMATION

Borrower Name & Address of Employer

No. Yrs.

Yrs. on this job

Self Employed

Name & Address of Employer

Own

Co-Borrower

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone (incl. area code)

Yrs. on this job

Self Employed

Yrs. employed in this line of work/profession

Position/Title/Type of Business

Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following: Name & Address of Employer

Dates (from - to)

Self Employed

Name & Address of Employer

Dates (from - to)

Self Employed

Monthly Income

Monthly Income

$ Position/Title/Type of Business Name & Address of Employer

$

Business Phone (incl. area code)

Dates (from - to)

Self Employed

Position/Title/Type of Business Name & Address of Employer

Business Phone (incl. area code)

Dates (from - to)

Self Employed

Monthly Income

Monthly Income

$ Position/Title/Type of Business

Uniform Residential Loan Application Fannie Mae/Freddie Mac VMP Wolters Kluwer Financial Services

Business Phone (incl. area code)

$ Position/Title/Type of Business

Business Phone (incl. area code)

Initials: R-001-0000012591 Fannie Mae Form 1003 7/05 (Rev. 6/09) Freddie Mac Form 65 7/05 (Rev. 6/09) VMP21N (0907) Page 1 of 4


V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income

Base Empl. Income*

Borrower

$

Overtime Bonuses Commissions Dividends/Interest Net Rental Income Other (before completing, see the notice in "describe other income," below)

Total

Co-Borrower

Combined Monthly Housing Expense

Total

0.00 $ 0.00 0.00 0.00 0.00 0.00 7,225.00

$

7,225.00 $

$

0.00 0.00 0.00 0.00 0.00 0.00 7,225.00

Rent

Present

First Mortgage (P&I)

2,033.00 $

Other Financing (P&I) Hazard Insurance

50.00 24.00 0.00

Real Estate Taxes Mortgage Insurance Homeowner Assn. Dues Other:

$

Proposed

$

7,225.00 Total

$

0.00 2,107.00 $

687.02 0.00 0.00 0.00 0.00 0.00 0.00 687.02

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

B/C

B B B

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

Monthly Amount

Retirement (Gross) Social Security/Disability Income Part-time employment

$

4,500.00 1,625.00 1,100.00

VI. ASSETS AND LIABILITIES This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also. Completed Jointly X Not Jointly Description Cash deposit toward purchase held by:

0.00

$

Liabilities and Pledged Assets. List the creditor's name, address, and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.

Monthly Payment & Months Left to Pay

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Cash or Market Value

ASSETS

LIABILITIES

Name and address of Company

List checking and savings accounts below

$ Payment/Months

CITIMORTGAGE INC

Name and address of Bank, S&L, or Credit Union

Acct. no.

Unpaid Balance $

$2,033.00 360

$464,800.00

2005406275

Name and address of Company Acct. no.

$ Payment/Months

SUNTRUST MORTGAGE/CC 5

$

Name and address of Bank, S&L, or Credit Union

Acct. no.

$

*768.00 360

*118,348.00

9420238425409

$ Payment/Months

D

Name and address of Company

by

Acct. no.

BANK OF AMERICA

$

$

$139.00 41

Name and address of Bank, S&L, or Credit Union

$5,614.00

Acct. no.

6046

Name and address of Company Acct. no.

$ Payment/Months

HSBC BANK

$

$

$21.00 257

Name and address of Bank, S&L, or Credit Union

$5,393.00

Acct. no.

0007282273 Name and address of Company Acct. no.

$ Payment/Months

CHASE

$

$

$50.00 48

Stocks & Bonds (Company name/number $ & description)

$2,399.00

Acct. no.

518445000506 Name and address of Company Life insurance net cash value

$ Payment/Months

BARCLAYS BANK DELAWARE

$

Face amount: $

Subtotal Liquid Assets

$

Real estate owned (enter market value from schedule of real estate owned)

$

Vested interest in retirement fund

$

Net worth of business(es) owned (attach financial statement)

$

0.00 610,000.00

$

$39.00 1

$1,106.00

Acct. no.

546638840

Automobiles owned (make and year)

Name and address of Company

$ Payment/Months

$

$ Acct. no.

Other Assets (itemize)

Alimony/Child Support/Separate Maintenance Payments Owed to:

$

Expense (child care, union dues, 14,000.00 Job-Related etc.)

$

$

Mutual Fund

Total Assets a. $

Uniform Residential Loan Application Fannie Mae/Freddie Mac VMP Wolters Kluwer Financial Services

Total Monthly Payments Worth 624,000.00 Net $ (a minus b)

440.66 Total Liabilities b. $

$

26,340.00

597,660.00

Initials: R-001-0000012591 Fannie Mae Form 1003 7/05 (Rev. 6/09) Freddie Mac Form 65 7/05 (Rev. 6/09) VMP21N (0907) Page 2 of 4


VI. ASSETS AND LIABILITIES (cont'd) Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending sale or R if rental being held for income)

Type of Property

6829 Bridgewood Drive Austell, GA 30168

T

SFR

5805 Ahakea Street Kapaa, HI 96746

H

SFR

Present Market Value

$

Amount of Mortgages & Liens

Gross Rental Income

145,000.00 $ 118,348.00 $

0.00 $

465,000.00

0.00

464,800.00

Insurance, Maintenance, Taxes & Misc.

Mortgage Payments

768.00 $ 2,033.00

Net Rental Income

191.66 $

0.00

74.00

0.00

Totals $ 610,000.00 $ 583,148.00 $ 0.00 $ 2,801.00 $ 265.66 $ List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s): Alternate Name

Creditor Name

VII. DETAILS OF TRANSACTION a. Purchase price

$

b. Alterations, improvements, repairs c. Land (if acquired separately) d. Refinance (incl. debts to be paid off)

Account Number

VIII. DECLARATIONS If you answer "Yes" to any questions a through i, please Borrower Co-Borrower 0.00 use continuation sheet for explanation. Yes No Yes No 0.00 a. Are there any outstanding judgments against you? 0.00 X 118,348.00 b. Have you been declared bankrupt within the past 7 years? X c. Have you had property foreclosed upon or given title or deed in 1,237.15 X lieu thereof in the last 7 years? 3,476.00 d. Are you a party to a lawsuit? X you directly or indirectly been obligated on any loan which resulted in foreclosure, 0.00 e. Have transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (2,571.25) (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," 120,489.90 provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.) 0.00 X 0.00 f. Are you presently delinquent or in default on any Federal debt or

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

e. Estimated prepaid items f. Estimated closing costs g. PMI, MIP, Funding Fee h. Discount (if Borrower will pay)

i. Total costs (add items a through h) j. Subordinate financing k. Borrower's closing costs paid by Seller

any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes," give details as described in the preceding question. g. Are you obligated to pay alimony, child support, or separate maintenance? h. Is any part of the down payment borrowed?

l. Other Credits (explain)

Cash Deposit

X X X X

i. Are you a co-maker or endorser on a note? j. Are you a U.S. citizen?

X

k. Are you a permanent resident alien?

X

l. Do you intend to occupy the property as your primary residence? If "Yes," complete question m below.

D

m. Loan amount (exclude PMI, MIP, Funding Fee financed)

0.00

X

by

121,000.00 m. Have you had an ownership interest in a property in the last three years? 0.00 X (1) What type of property did you own - - principal residence 121,000.00 PR (PR), second home (SH), or investment property (IP)? (2) How did you hold title to the home - - solely by yourself (S), (510.10) jointly with your spouse (SP), or jointly with another person S

n. PMI, MIP, Funding Fee financed o. Loan amount (add m & n) p. Cash from/to Borrower (subtract j, k, l & o from i)

(O)?

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

Borrower's Signature

Date

Co-Borrower's Signature

Date

X

X

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

BORROWER Ethnicity: Race:

X

I do not wish to furnish this information. Hispanic or Latino American Indian or Alaska Native Native Hawaiian or Other Pacific Islander

Sex: Female To be Completed by Loan Originator:

Not Hispanic or Latino Asian

Black or African American

CO-BORROWER Ethnicity: Race:

White

X

This information was provided:

X

Sex:

Male

I do not wish to furnish this information. Hispanic or Latino American Indian or Alaska Native Native Hawaiian or Other Pacific Islander

Not Hispanic or Latino Black or Asian African American

Female

Male

White

In a face-to-face interview

By the applicant and submitted by fax or mail

In a telephone interview

By the applicant and submitted via e-mail or the Internet

Loan Originator's Signature

Date

X Loan Originator's Name (print or type)

Loan Originator Identifier

Kimberly Wendt Loan Origination Company's Name

Loan Origination Company Identifier

loanDepot.com, LLC

Uniform Residential Loan Application Fannie Mae/Freddie Mac VMP Wolters Kluwer Financial Services

Loan Originator's Phone Number (including area code) (888)337-6888 Loan Origination Company's Address 3355 Michelson Drive, Suite #300 Irvine, CA 92612 Initials: R-001-0000012591 Fannie Mae Form 1003 7/05 (Rev. 6/09) Freddie Mac Form 65 7/05 (Rev. 6/09) VMP21N (0907) Page 3 of 4


CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION Borrower:

Agency Case Number:

Spriggs, Daniel Co-Borrower:

Lender Case Number:

by

D

on SD an Thu X ie C l S Feb O pr 2 N ig 5 gs 19 SE :2 5: N 49 TE ES D T 20 10

Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B for Borrower or C for Co-Borrower.

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

X

Uniform Residential Loan Application Fannie Mae/Freddie Mac VMP Wolters Kluwer Financial Services

Date

Co-Borrower's Signature:

Date

X Initials: R-001-0000012591 Fannie Mae Form 1003 7/05 (Rev. 6/09) Freddie Mac Form 65 7/05 (Rev. 6/09) VMP21N (0907) Page 4 of 4

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