MAKING AN INFORMED DECISION ABOUT BUYING A...

MHD FORM 1038 / Consumer-Disclosure.doc of 6 Rev. 10/22/2019

Texas Department of Housing and Community Affairs MANUFACTURED HOUSING DIVISION

P. O. BOX 12489 Austin, Texas 78711-2489 (877) 313-3023, (512) 475-2200, FAX-(512) 475-3506

Internet Address: www.tdhca.state.tx.us/mh/index.htm

MAKING AN INFORMED DECISION ABOUT BUYING A MANUFACTURED HOME

IF YOU HAVE QUESTIONS CALL 1-877-313-3023

WWW.TDHCA.STATE.TX.US/MH

Ownership of ANY home brings many responsibilities. Buying a manufactured home involves many important and unique considerations. This disclosure is to assist you in recognizing and understanding many of those factors. Please read it carefully.

CHOOSING A MANUFACTURED HOME AS YOUR HOME: Manufactured homes come in a variety of sizes, styles, design features, amenities, and price ranges. All manufactured homes are built to federal standards established by the federal Department of Housing and Urban Development (HUD). Also, the federal government and the state of Texas require manufacturers, retailers and installers to give certain warranties on manufactured homes. The type of warranties you receive will depend on whether you are purchasing a new or used manufactured home. You have the right to see the manufacturer’s warranty and the retailer’s warranty before entering into a sales purchase contract to purchase a manufactured home.

_____ initials

CHOOSING A MANUFACTURED HOME RETAILER: The State of Texas licenses and oversees manufacturers, retailers, brokers, salespersons, and installers of manufactured homes. The agency responsible for this licensing and oversight is the Texas Department of Housing and Community Affairs, Manufactured Housing Division (the “Department”). Your properly licensed manufactured home retailer should display, or be willing to show you, its license in its sales office. Dealing with licensed parties can provide important consumer protections. _____ initials

DEPOSITS: You may be required by a manufactured home retailer to place a deposit on a home, regardless of whether the home is on the retailer’s sales lot, is being sold at another location, or will be ordered from a factory. The amount of the deposit is determined between you and your retailer. The deposit becomes a down payment upon execution of a binding sales purchase contract.

_____ initials

http://www.tdhca.state.tx.us/mh/index.htm

http://www.tdhca.state.tx.us/mh


REFUNDS: You have the right to demand a refund of the deposit or down payment, and receive that refund within 15 days thereafter, if you timely and properly rescind the sales purchase contract in writing. A retailer may keep up to 5% of the estimated cash price if the consumer specially orders from the manufacturer a manufactured home that is not in the retailer's inventory, the home conforms to the specifications of the special order and any representations made to the consumer, the consumer fails or refuses to accept delivery and installation of the home by the retailer, and the consumer was given conspicuous written notice of the requirements for retaining the deposit. A retailer may deduct from your deposit or down payment for any expenses incurred by the retailer if you contract with the retailer to arrange for services that are performed by an appraiser of real property or a title company in connection with real property that will be included in the purchase or when real property is pledged by you as collateral for the purchase of the manufactured home. The retailer must provide notice of laws relating to rescission and real property appraisal and title work expenses before signing the contract for real property appraisal and title work services. The retailer must also provide an itemized list of the specific real property appraisal and title work expenses incurred by the retailer.

_____ initials

FINANCING OPTIONS: A manufactured home in Texas has tremendous flexibility when it comes to financing because it can be financed as personal property (typically a consumer loan secured by the home only) or, if you own the land the home is on (or have a qualifying long term lease on the land) as real property (typically a mortgage loan secured by the home and the land). You should talk to possible lenders about the terms they can offer. If you think one lender is offering too high a rate, talk to another lender.

Consumer lenders must generally be registered with the Office of the Consumer Credit Commissioner. Mortgage loans are usually originated by mortgage brokers (licensed with the Savings and Mortgage Lending Department), mortgage bankers (registered with the Savings and Mortgage Lending Department), or financial institutions (regulated by state and/or federal regulators, depending on the type of financial institution).

WHEN YOU MAKE A DECISION ABOUT BUYING A MANUFACTURED HOME, PLAN FOR FLEXIBILITY AND CHANGE.

YOUR LOAN WILL BE A MAJOR FACTOR IN DETERMINING YOUR PAYMENTS, BUT THERE ARE OTHER IMPORTANT FACTORS YOU SHOULD ALSO THINK ABOUT, SUCH AS:

■ Adjustable rate loans – If rates go up, your loan payments will go up. ■ Property taxes – Changes in property valuation and changes in tax rate can result in

changes in your payments. ■ Insurance – If premiums increase, your payments will go up.

■ Lot rent – If you are renting the lot your home is on, your rent may be subject to increase.

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LOCAL RESTRICTIONS AND REQUIREMENTS (ZONING): Depending on where a home is to be located it may be subject to special local requirements, including zoning and deed restrictions. These local requirements may affect where the home can be placed and may also involve other related requirements (and expenses) such as size requirements, construction requirements. Contact the local municipality, county, and subdivision manager to find out what, if any, requirements of this sort may apply to any site where you are going to place a manufactured home. _____ initials

SITE PREPARATION: The installer is responsible for proper preparation of the site where a new manufactured home is to be installed. A consumer is responsible for proper preparation of the site where a used manufactured home is to be installed. If you do not think you can prepare your site properly, consider hiring someone else with the right experience and equipment to do it for you. Proper site preparation includes a site for placement of the home that has good drainage so that water will not collect or run under or around the home; and firm compacted soil with no stumps, debris, or other matter. The site that is selected and prepared also needs to meet any setback or other placement requirements and have access to any required water, septic system, and utilities.

PROPER SITE PREPARATION IS ESSENTIAL! _____ initials

INSTALLATION: If you are purchasing a NEW manufactured home. Installation must be included. If you are purchasing a USED manufactured home, installation may or may not be included. If installation is not included and you arrange for it yourself, remember, ONLY A LICENSED INSTALLER may install a manufactured home. The installer who actually installs the home must also provide a warranty.

PROPER INSTALLATION BY A LICENSED INSTALLER IS REQUIRED BY LAW IN ORDER FOR A HOME TO BE OCCUPIED.

If you are buying a home that has already been installed, you should ask the selling retailer if they will check the leveling, check for the presence (if required) and condition of any vapor retarder, check anything else regarding the foundation/stabilization system, or provide any other installation-related services.

If you acquire a used manufactured home that is already installed in a Wind Zone II county but the home is a Wind Zone I home, which means that home was not designed or constructed to withstand a hurricane force wind occurring in a Wind Zone II or III area, the home cannot be installed in a Wind Zone II area unless it was constructed before September 1, 1997. _____ initials


UPKEEP AND MAINTENANCE: ANY home requires regular upkeep and maintenance – things like periodic checking of and repairs to the roof, keeping vents and filters clear, maintaining septic systems and wells in safe and sanitary working order, caulking to prevent leaks, and periodic painting. Also, depending on the foundation system you choose, a manufactured home may require periodic checking to be sure that it is still level and that the anchors and straps are secure.

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FOUNDATION MAINTENANCE: You must accept all responsibility for maintenance of the site upon closing. These responsibilities include: maintaining good drainage around the home, preventing soil erosion, periodic inspections of foundation supports and anchorage, and any leveling or adjustment that may be required unless contractually agreed otherwise. Homes located in areas that have soils with high clay content that expands and contracts must maintain consistent moisture levels. This may include watering around the foundation during dry summer months and managing the size and proximity of the vegetation near the foundation.

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LOT RENT: If you rent the lot your home is on, in addition to the possibility of rent increases, it is possible that the property owner could decide to change the use of the land and not renew your lease. Although you would be given advance notice, this would mean that you would have to move your home and have it installed somewhere else. _____ initials

WATER AND UTILITIES: Be sure that your lot has access to water. If you must drill a well, consider contacting several drillers for bids. If water is available through a municipality, utility district, water district, or cooperative, you should inquire about the rates you will have to pay and the costs necessary to join the water system. Be sure that any utilities you will need are available at your site and, if they are not, find out what will be involved in getting them delivered and connected. _____ initials

SEWER CONNECTIONS OR SEPTIC SYSTEMS: If your lot is not serviced by a municipal sewer system or utility district, you will have to install an on-site sewer facility (commonly known as a septic system). There are a number of concerns or restrictions that will determine if your lot is adequate to support a septic system. Check with the local county or a licensed private installer to determine the requirements that apply to your lot and the cost to install such a system. _____ initials


HOMEOWNERS ASSOCIATIONS AND FEES: Many subdivisions have mandatory assessments and fees that lot owners must pay. Check with the manager of the subdivision in which your lot is located to determine if any fees apply to your lot. _____ initials

PROPERTY TAXES: Manufactured homes are appraised and subject to property taxes. Depending on the type of loan you have, your lender may escrow for these taxes, and this will increase your monthly payments. Whether you select personal property or real property status for your home may impact any homestead exemption that you may obtain to reduce your tax liability. Talk with the county tax office if you have any questions. Failing to pay your taxes or make arrangements with the tax assessor-collector may place you at risk of having tax liens recorded on your home and, possibly, having the home foreclosed for non-payment of taxes. If you do not have a lender that escrows for the taxes, the tax assessor-collector will work out an escrow arrangement with you if requested. _____ initials

INSURANCE: Your lender will almost certainly require you to obtain insurance. You should request quotes from the agent of your choice to obtain the insurance. Even if you do not have a lender, it is a good idea to obtain insurance to protect your home and yourself. _____ initials

THE MANUFACTURED HOMEOWNER CONSUMER CLAIMS PROGRAM (the “CLAIMS PROGRAM”): The Claims Program is established by law to protect consumers who incur certain actual damages arising from specified violations of law involving acts or omissions of licensees. To learn more about the Claims Program you can check the Department’s website at: www.tdhca.state.tx.us/mh or call the Department for a printed description of the Claims Program and how it works. Claims on the Claims Program must be verified and must be made within two years from the date of the act or omission or when it was discovered or reasonably should have been discovered. _____ initials

RIGHT OF RESCISSION: Once you enter into a contract with a selling retailer to acquire a manufactured home, you have a right to rescind the contract. You may, not later than the third day after the applicable contract is signed, rescind the contract in writing without penalty or charge. The right to rescind may be modified or waived only if you have a bona fide emergency. The Department has rules about the detailed requirements for waivers and modifications. _____ initials

http://www.tdhca.state.tx.us/mh


This Six Page Disclosure was provided to me/us by the retailer and/or lender shown below on this date. It was provided to me/us before I/we completed a credit application (if a financed transaction), or before I/we signed a contract to purchase or exchange a manufactured home.

_______________________ DATE

_BRAZOS HOME CENTER, LLC______________ RETAILER or LENDER

_RI37455____________________________________ LICENSE NUMBER (if a retailer)

_____________________________________ ______________________________________ CUSTOMER signature CUSTOMER signature

_____________________________________ ______________________________________ CUSTOMER printed name CUSTOMER printed name

Date:_________________________________ Date:__________________________________

THE CHOICE IS YOURS

Brazos Home Center, LLC is not recommending, referring or steering you to a particular lender. Below is a list of various lenders that offer financing for manufactured and modular homes. Please consider the information provided by these lenders (if available) and select the ones that you want to submit your application to by initialing the space next to their name. We also suggest that you number, in order of the preference (1, 2, 3 etc.) of which lender you want us to submit your loan application to. If you would like your application sent to a lender that is not listed below, please write the lenders name and phone number in the “Other” space provided and your application will be forwarded to that lender. We receive no financial compensation from any lender, nor do we make any credit decisions. We are only permitted by law to assist you in submitting the application you filled out.

HOME ONLY LENDERS

NAME PHONE FAX WEB ADDRESS _______ 1st Advantage Bank 1-844-742-3822 1-865-243-2689 www.1stadvantagebank.com_______ 21st Mortgage Corp. 1-800-955-0021 1-877-312-2100 www.21stmortgage.com_______ Cascade Financial 1-888-651-4967 1-480-539-4915 www.cascadeloans.com_______ Other (please specify) ______________________________________________________

______________________________________________________

LAND/HOME LENDERS

NAME PHONE FAX WEB ADDRESS _______ 1st Advantage Bank 1-844-742-3822 1-865-243-2689 www.1stadvantagebank.com_______ 21st Mortgage Corp. 1-800-955-0021 1-877-312-2100 www.21stmortgage.com_______ Cascade Financial 1-888-651-4967 1-480-539-4915 www.cascadeloans.com_______ Other (please specify) ______________________________________________________

______________________________________________________

By signing below, you are confirming that Brazos Home Center, LLC and/or its employees did not recommend, refer, steer or otherwise influence your decision as to which lender(s) to whom your credit application will be sent. In the future, if you want to send your application to any additional lenders, you may be required to complete an additional copy of this form for our records.

Print Name: ________________________________________________

Signed: ____________________________________________________ Date:_________________

Print Name: ________________________________________________

Signed: ____________________________________________________ Date:_________________

http://www.1stadvantagebank.com/

http://www.21stmortgage.com/

http://www.cascadeloans.com/

http://www.1stadvantagebank.com/

http://www.21stmortgage.com/

http://www.cascadeloans.com/

If this is a Purchase, complete the following:Seller/Realtor Name: _________________________________________________ Purchase information must be attached

Property will be: □ Primary Residence □ Secondary Residence □ Investment/Rental

Loan Type: □ Home only □ Land and Home □ Land only

Proposed Down Payment: $______________ Source of Down Payment: □ Savings □ Checking □ Cash on Hand □ Loan

□ Purchased □ Refinanced □ Owned Free and Clear

Purchase Price/Payoff $___________ Date acquired: _________ Home must be placed on the property described in this section

Street Address where home will be located, including site #:

City: State: Zip: County:

□

□ Leased Private Property

APPLICANT EMAIL: CO-APPLICANT EMAIL:

FULL NAME - Last, First, Middle FULL NAME - Last, First, Middle

Birth Date (mm/dd/yy): Social Security #: Birth Date (mm/dd/yy): Social Security #:

Marital Status: Marital Status:□ Married □ Unmarried □ Separated □ Married □ Unmarried □ Separated

Current Street Address (3 Years Residence Required, attach supplement if needed) Current Street Address (3 Years Residence Required, attach supplement if needed)

City, State, Zip: County: City, State, Zip: County:

Mailing Address (if different from physical)

Home Phone: Cell Phone:

Mailing Address (if different from physical)

Home Phone: Cell Phone:

□ Homeowner * □ Other* □ Homeowner * □ Other*□ Renter □ Live with parent □ Renter □ Live with parent

Name of Previous Mortgage Holder or Landlord: Telephone number:

Previous address (if current address is less than 3 years) Previous address (if current address is less than 3 years)

City, State, Zip: How long? City, State, Zip:

Relationship: Relationship:

Phone: Phone:

(A) APPLICANT (B) CO-APPLICANT

APPLICANT'S RESIDENCE

Mo. Mtg/Rent: Mo. Mtg/Rent:

* What are the plans for your existing home? If checked other above, explain: *

EMAIL ADDRESS (for Loan Notices and Documents)

Name of nearest Relative NOT living with you: Name of nearest Relative NOT living with you:

APPLICANT CREDIT INFORMATION: If this is an INDIVIDUAL application, complete section A. If this is a JOINT application, complete section A&B. NOTE: If married, the spouse is not required to be the joint applicant. Please advise whether credit references and/or credit history should be investigated under another name. It is a crime to intentionally falsify information on this application.

Buy-For□

Home is being: □ □Purchased Refinanced

If Home Only, Site Placement is: □ Community/Park□ Reservation

□ Gift (if gift, from whom): __________________ □ Other (Explain) _______________________________ □ I wish to use my land as down payment

How long at present address?

Yrs Mo

City, State, Zip:

( ) -

Telephone number:Name of Mortgage Holder or Landlord:

Applicant Dependents (not including self or those listed by Co-Borrower): Number of Dependents: _______ Dependent Age(s): ____________________

( ) -

Whose land is it? ___________________________________

Will the home be located in a Resident-Owned Community (co-op)? _____ Are you pledging or purchasing the security interest in the co-op shares? _____

CO-APPLICANT'S RESIDENCE

Applicant Dependents (not including self or those listed by Borrower): Number of Dependents: _______ Dependent Age(s): ___________________

City, State, Zip:

Name of Mortgage Holder or Landlord: Telephone number:

Name of Previous Mortgage Holder or Landlord: Telephone number:

How long at present address?Yrs Mo

( ) ( ) --

If Land and Home, Land is being:

Estimated Land Value $__________

THIS APPLICATION MUST BE COMPLETED AND SIGNED BY THE APPLICANT(S) ONLY

What are the plans for your existing home? If checked other above, explain:

Page 1 of 5

How long?

v. 9-13-2018

□ Family Land - No Rent□ Owned property with no lien□ Owned Property Land Contract/Mortgage Trust Deed

If Home Only and Land is Leased: Name of Community/Park/Land Owner/Mortgage Holder:____________________________________________________

Phone Number: ______________________________ Monthly Site Payment: ___________________

Is the site rent scheduled to increase over the next three years? If so, please explain. ________________________________________________________

Hourly rate: $_______ # of hours:______ Weekly Salary :$_________ BiWeekly Salary: $________ Monthly Salary: $____________Do you receive bonuses?_______________ How often? _____________

Do you receive commission? ___________ How often? _____________

Do you consistently receive overtime?____ How often? _____________

Please provide an explanation for any job gaps greater than 30 days.

Do you receive bonuses?_______________ How often? _____________

Do you receive commission? ___________ How often? _____________

Do you consistently receive overtime?____ How often? _____________

Please provide an explanation for any job gaps greater than 30 days.

Child Support Monthly Amount Ages of Children Child Support Monthly Amount Ages of Children

Alimony or Separate Maintenance Duration Alimony or Separate Maintenance Duration

Other Source: How Long: Monthly Amt: Other Source: How Long: Monthly Amt:

Date Started: Date Left:

City, State, Zip: Supervisor Name and Telephone Number:

Supervisor Name and Telephone Number: Income:

Employer Address:

3-Previous Employer: Position Held/Occupation: Date Started: Date Left:

Position Held/Occupation:2- Second or Previous Employer: Date Started: Date Left:

City, State:

How much in bonuses over the last 12 months $ _________________

How much in commission over the last 12 months $_______________

How much in overtime over the last 12 months $_________________

Date Started: Date Left:

City, State: Supervisor Name and Telephone Number:

City, State: Supervisor Name and Telephone Number: Income:

Supervisor Name and Telephone Number:

Income:

1-Current Employer:

How much in bonuses over the last 12 months $________________

How much in commission over the last 12 months $_____________

How much in overtime over the last 12 months $_______________

APPLICANT'S EMPLOYMENT HISTORY (Minimum Three Years, attach supplement if needed)

CO-APPLICANT'S EMPLOYMENT HISTORY (Minimum Three Years)

1-Current Employer: Position Held/Occupation: Date Started:

2-Second or Previous Employer: Position Held/Occupation:

Position Held/Occupation: Date Started:

APPLICANT'S OTHER INCOME CO-APPLICANT'S OTHER INCOME

City, State: Supervisor Name and Telephone Number: Income:

3-Previous Employer: Position Held/Occupation:

Income from SSI, retirement, disability, alimony, child support or separate maintenance agreement need not be disclosed if you do not wish to have it considered as a basis for undertaking or repaying this debt.

Self Employed: □ Yes □ No


















□ □ □ □

Page 2 of 5

List your base pay rate excluding commission, bonuses, and overtime: How are you paid? (select one below)

Hourly rate: $_______ # of hours:______ □ Weekly Salary :$_________ Bi□ Weekly Salary: $________ □ Monthly Salary: $____________ □

List your base pay rate excluding commission, bonuses, and overtime: How are you paid? (select one below)

SSSSeeeellllffff EEEEmmmmpppplllloyoyoyoyeeeedddd:::: □□□□ YeYeYeYessss □□□□ NoNoNoNo

City, State, Zip:

Employer Address:

List other items that have a significant impact to your budget Estimated Monthly AmountIf you drive more than 20 miles each way to work every day, what is your monthly fuel and maintenance expense other than your car payment? $

Child Care Expense: $

Other: $

Other: $

$

Applicant

1. Are you a U.S. Citizen? □ Yes □ No □ Yes □ No

2. Are you a permanent resident alien? □ Yes □ No □ Yes □ No

3. Have you declared bankruptcy within the last 5 years? □ Yes □ No □ Yes □ No

If yes, when did you file? Date: Date:

Co-Applicant

QUESTIONS

Other Extraordinary Recurring Expenses

List any Government Assistance Payments to you that help offset household expenses, such as WIC, TANF, or SNAP.You are not required to disclose these amounts if you do not wish to have them considered as a basis in analyzing your ability to undetake or repay this debt.

Page 3 of 5

(A) APPLICANT - Asset and Credit Information (B) CO-APPLICANT - Asset and Credit InformationBank Name:

City, St:

Account type:

Balance: $

Bank Name:

City, St:

Account type:

Balance: $

Retirement/401K with:

City, St: Balance: $Auto #1 (Yr/Make):

Value: $

Lender:

Payment: $ Balance: $

Other Asset:

Value: $

Lender:

Payment: $ Balance: $Other Real Estate Owned:

Value: $

Lender:


Value: $

Lender:


Are you a co-maker or guarantor on a note? If Yes, for whom?

Creditor: Monthly Payment: $

Alimony/Maintenance: $ Expiration Date: Alimony/Maintenance: $ Expiration Date:

Garnishment: $ Garnishment: $

Child Support: $

List Ages of Children:

(A) APPLICANT - Debts / Obligations (B) CO-APPLICANT - Debts / Obligations

Auto #2 (Yr/Make):

Value: $

Lender:


Child Support: $

List Ages of Children:

Retirement/401K with:

City, St: Balance: $Auto #1 (Yr/Make):

Value: $

Lender:


Other Asset:

Value: $

Lender:


Value: $

Lender:


Value: $

Lender:


Are you a co-maker or guarantor on a note? If Yes, for whom?

Creditor: Monthly Payment: $

Auto #2 (Yr/Make):

Value: $

Lender:


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, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, race, and sex on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. Instructions: You may select one or more designations for "Ethnicity" and one or more designations for "Race." If you do not wish to provide some or all of this information, select the applicable check box.

Ethnicity: Check one or more

□ Mexican

Race: Check one or more□ American Indian or Alaskan Native - Enter name of enrolled

or principal tribe: ______________________________□ Asian

□ Black or African American

□ White

□ Native Hawaiian or Other Pacific Islander

Sex: □ Female

□ Puerto Rican□ Other Hispanic or Latino - Enter origin:

□ Cuban

_________________________________________Examples: Argentinian, Colombian, Dominican,Nicaraguan, Salvadoran, Spaniard, etc.

□ Filipino□ Vietnamese

□ Asian Indian□ Japanese □ Korean□ Other Asian - Enter race: _____________________

Examples: Hmong, Laotian, Thai, Pakistani,Cambodian, etc.

□ Chinese

□ Native Hawaiian□Guamanian or Chamorro

□ Samoan

□ Other Pacific Islander - Enter race:

Not Hispanic or LatinoI do not wish to provide this information

I do not wish to provide this information□

__________________________________________Examples: Fijan, Tongan, etc.

□ Male□ I do not wish to provide this information

□ Hispanic or Latino

Demographic Information - this section asks about your ethnicity, sex, and race

(A) APPLICANT (B) CO-APPLICANTEthnicity: Check one or more

□ Mexican

Race: Check one or more□ American Indian or Alaskan Native - Enter name of enrolled

or principal tribe: ______________________________□ Asian

□ Black or African American

□ White

□ Native Hawaiian or Other Pacific Islander

Sex: □ Female

□

□ Puerto Rican□ Other Hispanic or Latino - Enter origin:

□ Cuban

_________________________________________Examples: Argentinian, Colombian, Dominican,Nicaraguan, Salvadoran, Spaniard, etc.

□ Filipino□ Vietnamese

□ Asian Indian□ Japanese □ Korean□ Other Asian - Enter race: _____________________

Examples: Hmong, Laotian, Thai, Pakistani,Cambodian, etc.

□ Chinese

□ Native Hawaiian□Guamanian or Chamorro

□ Samoan

□ Other Pacific Islander - Enter race:

Not Hispanic or LatinoI do not wish to provide this information

I do not wish to provide this information□

__________________________________________Examples: Fijan, Tongan, etc.

□ Male□ I do not wish to provide this information

□ Hispanic or Latino

Page 4 of 5

□□ □

Additional DisclosuresCalifornia: An applicant, if married, may apply for a separate account. It is illegal to discriminate in the provision of availability of financial assistance for the purpose of the purchase, construction, rehabilitation of any one to four unit family residences occupied by the owner and for the purpose of the house improvement of any one to four unit family residence by considering:

1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financialinstitution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or

2. Race, color, religion, sex, marital status, national origin or ancestry.

Applicant Signature

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. If you have questions about your rights, or if you wish to file a complaint, contact the Lender or the California Department of Corporations at: 320 West 4th St, Ste 750, Los Angeles, CA 90013, or 1390 Market St, Ste 810 San Francisco, CA 94102New York and Vermont: In connection with your application for credit, a consumer report may be requested in connection with such application. Upon request, you will be informed whether a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. If your application is granted, subsequent consumer reports may be requested or utilized in connection with any updates, renewal or extension of the credit for which application was made or for any other legitimate purpose associated with the account. Ohio: The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Wisconsin: No provision of a marital property agreement, a unilateral statement under Wisc. Stat. 766.59 or a court decree under Wisc. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree of has actual knowledge of the adverse provision when the obligation to the creditor is incurred. NON-APPLICANT SPOUSE WAIVER OF NOTICE: I agree to waive notice of any extension of credit in connection with this application:Non-applicant Spouse: DateAdditional disclosures may be required for the following states: Illinois and New York. These documents are separate from this application and must be submitted with the application for the lender to process your request. 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 intentionalor negligent misrepresentation of the information contained in the 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 provision of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to the application (the "Loan") will be secured by a mortgage, deed of trust, or other consensual security interest; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in the application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated herein; (6) any owner or servicer of the Loan may verify or re-verify any information contained in the application from any source named in the application, and Lender, its successors or assigns may retain the original and/or electronic record of the application, even if the Loan in not approved; (7) the Lenders 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 the application if any of the material facts that I have represented herein should change prior to the closing of the Loan; (8) in the event my payments on the Loan become delinquent, the owner or servicer of the Loan may, in addition toany other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and / or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors, or assigns has made any representation or warranty, expressed or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of the 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 the application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of the application were delivered containing my original signature. I give permission to Lender to investigate my credit and employment history and authorize my employer, landlord, depository institution, and credit company to release information about me. I acknowledge that my dealer is neither a broker nor a credit grantor. This application may be considered withdrawn if I do not inquire about its status within 30 days of the date of this notice.

Have you frozen your credit report? If so, please be sure to contact all affected credit reporting agencies to lift the freeze BEFORE submitting your application.www.equifax.com, www.transunion.com, www.experian.com

Page 5 of 5

( ADMIN USE ONLY )

Applicant Signature Date Co-Applicant Signature Date

Please include the following documents when submitting a credit application:

Note: In order to help us process your application efficiently and provide the best service possible, please do not submit conditions with the initial application. When an approval is issued, a detailed list of requested documents will be presented on the approval notice.

- Communications Disclosure Form signed by applicant(s) and retailer

- Calculation Worksheet completed by retailer

- Applicable State Specific Disclosures (IL and NY)

Addendum to Triad Financial Services, Inc. Credit Application

We intend to apply for JOINT credit: X X Applicant (initial above) Co-Applicant (initial above)

If you are applying for joint credit with another person please initial above.

Thank you for choosing Triad Financial Services, Inc. to process your credit application for your manufactured home loan. Your credit application will be submitted to Triad for review and assigned to a licensed Mortgage Loan Originator that handles applications in your state. The Mortgage Loan Originator (or a person under their supervision, as appropriate) may contact you to discuss your application. You give permission to Triad and their lending partners to investigate your credit for the purpose of this request.

The company from whom you may purchase a manufactured home and its sales consultants may assist you with matters associated with the sales transaction – for example, the type of home to purchase, options, site improvements, sales features that may impact your financing options, etc.

If you have any questions about your credit application, please contact one of Triad’s licensed Mortgage Loan Originators listed below:

Mortgage Loan Originator NMLS # MLOs Licensed in the Following States Phone Number Triad Financial Services, Inc. 1063 -- 1.800.522.2013 Philip Acosta 232642 AZ, CA, NM, OR, WA 1.866.321.3153 Nicole Adamson 1701029 IA,IL, IN, KS, MI, ND, NY, OH, PA, SD, TN, VA, WI, WY 1.888.936.1179 Tionna Alexander 1172706 AL, AR, CO, FL, GA, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MT, NC,

ND, NJ, NM, NY, OH, OK, PA, SC, SD, TN, UT, VA, WI, WV, WY 1.888.936.1179

Elaine Anderson 1542305 DE, IA, IL, IN, KY, KS, MD, MI, MN, MO, OH, PA, VA, WI, WV 1.888.936.1179 Kevin Archer 268471 OH, PA, NY 1.937.205.2011 Kevin Barker 399071 IN, MI 1.888.936.1179 Emily Barrett 1547679 AL, AR, CA, FL, GA, LA, MS, NC, OK, OR, SC, TN, TX 1.800.522.2013 Erik Burriss 199472 AL, AR, CA, CT, FL, IA, ID, IL, KS, KY, MA, MD, ME, MI, MN, MT, NC,

NE, NH, NJ, NM, NY, OH, OK, PA, SC, SD, TN, VA, VT, WA, WI, WV, WY

1.888.936.1179

Michelle Burriss 1880354 IA, IL, IN, KS, KY, MO 1.888.936.1179 Thomas Donahue 371359 AL, FL, GA, KS, LA, NC, OK, PA, SC, TN, TX 1.800.522.2013 Patrick Flynn 1588897 AR, FL, NC, SC 1.800.522.2013 Natova Fowler 1595145 FL 1.800.522.2013 Joseph Freismuth 195056 AL, FL, GA, KY, NC, TN 1.800.522.2013 Thomas “Anthony” Glass 200039 FL, OK, SC, WA, WI, 1.800.522.2013 Tamara “Tammy” Grzelak 1237952 AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KY, LA, MD, MI, MN, MO, MT,

ND, NH, NM, NY, OH, OK, OR, PA, SD, TN, TX, UT, WA, WI, WV, WY 1.888.936.1179

Taylor Hicks 1657314 AR, LA, OK 1.800.522.2013 Dena Hogge 196038 AR, CO, GA, LA, MS, OK, SC, TN 1.800.522.2013 Samuel Huffman 429927 AL, LA, MS 1.205.492.9888 Lloyd McFarland Jr. 845238 AZ, CA, NM, OR, WA 1.866.321.3153 Zachary Meier 199427 AR, AZ, CA, CO, FL, GA, IL, IN, KY, MA, ME, MI, MN, MO, NE, NM,

NY, OH, OK, PA, SC, TN, TX, UT, VA, WV, WY 1.888.936.1179

Gina Miller 1277689 AL, CO, GA, LA, SC, UT 1.800.522.2013 Stacy Ngo 1640427 AZ, CA, NM, OR, WA 1.866.321.3153 Linda Pearson 92519 AL, AR, AZ, FL, GA, LA, MS, NC, NM, OK, TN, TX 1.800.522.2013 Cody Ring 260119 AL, AR, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NM, OH, OK, TN,

TX, VA, WV 1.205.935.3083

Neil Roszkowski 425183 CA, OR, WA 1.866.321.3153 Scott Seely 390955 ID, MN, MT, ND, SD, WI, WY 1.888.936.1179 Michael Tolbert 201558 AZ, CA, CT, MT, NM, OR, SC, WA 1.866.321.3153 Brady Way 264868 AR, CO, KS, MO, NE 1.913.620.8131 David Williams 364000 AZ, CA, NM, OR, WA 1.866.321.3153 Velma Williams 201432 DE, ID, IL, KS, KY, MI, MO, MT, ND, NE, NJ, NY, PA, WV, WY 1.888.936.1179 Margaret York 1001147 FL 1.800.522.2013

Additional information on Triad Financial Services, Inc.’s company, branches, and individual Mortgage Loan Originator licenses can be obtained by visiting www.nmlsconsumeraccess.org .

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. You also acknowledge that you have personally completed the information on the credit application and that the information is complete and accurate. Please sign below and retain a copy for your records.

Applicant’s Signature Date Applicant’s Signature Date

Applicant’s Signature Date Applicant’s Signature Date

This addendum is a part of Triad Financial Services, Inc.’s credit application and must accompany the credit application in order for it to be accepted.

Rev. 02/26/2020

13901 Sutton Park Drive South, Suite 300, Jacksonville, FL 32224 1.800.522.2013 1.888.733.1522 (fax)

http://www.nmlsconsumeraccess.org/

Authorization to Provide and Release Information

For Your Customer. For You. For More Than 50 Years.

Dear Triad Financial Services Customer(s):

In order for Triad Financial Services, Inc. to discuss your credit application/manufactured home loan with a third party, we must obtain a letter of authorization form signed by all applicants. Please review the form below and complete the following:

• Specify the name(s), address, phone number and relationship of the person you are authorizingTriad Financial Services, Inc. to verbally discuss information with regarding your creditapplication/manufactured home loan.

• Triad Financial Services, Inc. will need the signature of everyone who is on the creditapplication/manufactured home loan paperwork.

• Please make sure that the form is dated.

LETTER OF AUTHORIZATION

I/We hereby authorize Triad Financial Services, Inc. to discuss my/our credit application and/or manufactured home loan with the individual listed below:

NAME OF 3RD PARTY: ADDRESS: PHONE NUMBER: EMAIL ADDRESS: RELATIONSHIP TO BORROWER/CO-BORROWER:

NAME OF 3RD PARTY: ADDRESS: PHONE NUMBER: EMAIL ADDRESS: RELATIONSHIP TO BORROWER/CO-BORROWER:

I/we, hereby release Triad Financial Services, Inc. its employees, officers, agents and directors from any claim(s) that might arise in connection with this authorization.

YOU MAY REVOKE THIS AUTHORIZATION AT ANY TIME BY PROVIDING WRITTEN NOTICE.

X Date Borrower Signature

Borrower Printed Name

X Date Co-Borrower Signature

Co-Borrower Printed Name

4336 Pablo Oaks Court 800.522.2013 (phone) Jacksonville, Florida 32224 888.733.1522 (fax) Revised 10/11/16

. Below is a list of 21st Mortgage Loan Originators

X X

Applicant Signature (Date) (Date)

X

Co-Applicant Signature

X

(Date) Co-Applicant Signature

X Print Dealership Name & Dealer # Sales Person (Date)

1-10-2020

Addendum to the 21st Mortgage Credit Application

Communications Disclosure Form - Must be completed & submitted with ALL Credit Applications

- Effective: 2/1/2020

.

Co-Applicant Signature (Date)

X

Figure: 7 TAC § 81.200(a)

TEXAS MORTGAGE BANKER DISCLOSURE

Residential Mortgage Loan Originator: See attached Communications Disclosure

NMLS ID: 21st Mortgage Corporation NMLS No. 2280

Pursuant to the requirements of Section 157.0021 of the Mortgage Banker Registration and

Residential Mortgage Loan Originator License Act, Chapter 157, Texas Finance Code, you are

hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE

BANKER OR A LICENSED MORTGAGE BANKER 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 OBTAINED FROM THE DEPARTMENT’S 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 BANKER 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.

THIS DISCLOSURE WAS DELIVERED TO THE CONSUMER:

IN PERSON

BY FAX

BY E-MAIL

OTHER______________________________

DATE DELIVERY INITIATED: ________________

Borrower Authorization – Credit, Employment, Asset, & Communications (v 1.7.20)

Part I – General Information 1. Borrower Name

2. Date 3. Name & Address of Lender CASCADE FINANCIAL SERVICES P.O. BOX 15035 CHANDLER, AZ 85244 TEL: (480) 539-5230 FAX: (480) 539-4915 NMLS#: 89599

4. Borrower Email 5. Borrower Telephone Number(s)

Part II – Borrower Authorizations 1) Authorization to Obtain Credit Report, Employment Verifcation, and Asset Verification By signing below and not opting out, I hereby authorize Cascade Financial Services (“Cascade”) to verify my past and present employment and earnings, bank accounts, stock holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorize Cascade to order a consumer credit report and verify other credit information, including past and present loan information and landlord references. It is understood that a copy of this form will also serve as an authorization. The information that Cascade obtains is only to be used in the processing of my application for a loan. Opt out: By initialing here, I am indicating that I do not authorize the above. _______

(If you initial here and opt out, Cascade cannot process your loan application.) 2) Authorization for Email, Phone Calls, Texting, and Automated Messages By signing below and not opting out, I hereby authorize Cascade and its affiliates, agents, service providers and assignees to send loan documents to me via email and to communicate with me about my loan and related matters via email, phone, and text message, including phone calls, prerecorded voicemail messages, and text messages generated using an automatic telephone dialing system (“ATDS”). This authorization applies to any telephone number I provide to Cascade in connection with my loan now or in the future, including cellular telephone numbers. I acknowledge that, while Cascade will not charge me for any communication Cascade makes or attempts, my communication service provider might. If I wish to withdraw this authorization to receive ATDS-generated messages or calls, I agree that I must do so by calling Cascade at (866) 939-5581, emailing Cascade at [email protected], or writing to Cascade at Cascade, Attn: Customer Service, P.O. Box 15035, Chandler, AZ 85244. I also agree to notify Cascade if any telephone number associated with my loan changes or is reassigned to a new subscriber. I certify that I have the authority to provide this consent because I am either the subscriber of the telephone number or a non-subscriber customary user with authority to provide this consent.

Opt out: By initialing here, I am indicating that I do not authorize the above. _______

3) Authorization to Provide Status Updates to Retailer, Builder, and/or Realtor. By signing below and not opting out, I hereby authorize Cascade to provide loan status updates to the retailer, builder, and/or realtor(s) associated with my loan transaction.

Opt out: By initialing here, I am indicating that I do not authorize the above. _______ _______________________________________________________________________________________________ Borrower Signature Date

Addendum to Reliant Bank Credit Application Communications Disclosure Form

Effective: 4/1/2020

This credit application, intended to secure financing in the purchase of a manufactured home, will be submitted to Reliant Bank (the

“Lender”) for review. The Lender’s designated representative (or a person under their supervision, as appropriate) may communicate its

status or address other questions you might have about your credit application or the loan process. The retailer/realtor from whom you

may purchase a home and its sales consultants may assist you with matters associated to the sales transaction (i.e., the type of home to

purchase, options, site improvements, sales features that might impact your financing options, etc.).

Following the receipt of your credit application, a Lender representative (or person under their supervision, as appropriate) may contact

you to discuss your application. During the sales process, if there are questions that may impact the financing of your purchase, your

sales consultants may conference or connect you with the appropriate representative(s) of the Lender for your convenience. Should you

have any questions about your credit application or loan process, please contact the Lender at 1-844-742-3822.

Below is a list of Reliant Bank Loan Originators:

NAME NMLS #

Reliant Bank 527661

Carlos Alejandro Ponzio 723199

James Benson Gheen III 18160

David Torres 1245261

Douglas Shaver 1291961

Jeremiah Steele 1411048

By signing this addendum, you acknowledge that you agree to and understand the details provided, and also give Lender consent to

sharing its credit decision with the retailer/realtor, and to exchange, any and all information and documentation for purposes of facilitating

your manufactured home purchase transaction. Additionally, you grant Lender permission to obtain any or all information deemed

necessary for subsequent quality control re-verification during the processing of your loan.

By signing below, you give Reliant Bank consent to send disclosures and/or updates to your email address, if been provided on the credit

application. You also acknowledge that you have personally completed the information on the application and that the information

enclosed is complete and accurate

(Date)Applicant Signature

_________________________________________ _________________________________________

Co-Applicant Signature (Date)

_________________________________________ _________________________________________

Co-Signer or Co-Applicant Signature (Date) Co-Signer or Co-Applicant Signature (Date)

(Please select applicable checkbox) (Please select applicable checkbox)

________________________________________ _________________________________________

Retailer’s Name Sales Associate (Date)

* This Addendum must accompany the credit application you completed in order for it to be accepted.

170 MARKET PLACE BOULEVARD | KNOXVILLE, TN 37922 | PHONE: 844.742.3822 | FAX: 865.243.2689

INSTRUCTIONS: If this is an INDIVIDUAL application, please sign on the “Applicant” line below. If you are JOINT APPLICANTS and intend to apply for joint credit, please sign on the “Applicant” and “Co-Applicant” lines below. If you are applying as a CO-SIGNER, please indicate by selecting

the “co-signer” checkbox and signing on the “Co-Signer” line below. Please sign on the appropriate line below and retain a copy for your records.

Form 4506-T(June 2019)

Department of the Treasury Internal Revenue Service

Request for Transcript of Tax Return Do not sign this form unless all applicable lines have been completed.

Request may be rejected if the form is incomplete or illegible.

For more information about Form 4506-T, visit www.irs.gov/form4506t.

OMB No. 1545-1872

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on “Get a Tax Transcript...” under “Tools” or call 1-800-908-9946. 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.

1b First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return

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

4 Previous address shown on the last return filed if different from line 3 (see instructions)

5 Customer file number (if applicable) (see instructions)

Note: Effective July 2019, the IRS will mail tax transcript requests only to your address of record. See What’s New under Future Developments on Page 2 for additional information.

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. A tax return transcript does not reflect changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120-A, Form 1120-H, Form 1120-L, 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 10 business days .

c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days . . . . . .

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. 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, W-2 information for 2016, filed in 2017, will likely not be available from the IRS until 2018. 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 10 business 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.

Caution: Do not sign this form unless all applicable lines have been completed.

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, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, 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. Note: This form must be received by IRS within 120 days of the signature date.

Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she

has the authority to sign the Form 4506-T. See instructions.Phone number of taxpayer on line 1a or 2a

Sign

Here

Signature (see instructions) Date

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

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 6-2019)

/ / / / / / / /

Form 4506-T (Rev. 6-2019) Page 2

Section references are to the Internal Revenue Code unless otherwise noted.

Future DevelopmentsFor the latest information about Form 4506-T and its instructions, go to www.irs.gov/form4506t. Information about any recent developments affecting Form 4506-T (such as legislation enacted after we released it) will be posted on that page.

What’s New. As part of its ongoing efforts to protect taxpayer data, the Internal Revenue Service announced that in July 2019, it will stop all third-party mailings of requested transcripts. After this date masked Tax Transcripts will only be mailed to the taxpayer’s address of record.

If a third-party is unable to accept a Tax Transcript mailed to the taxpayer, they may either contract with an existing IVES participant or become an IVES participant themselves. For additional information about the IVES program, go to www.irs.gov and search IVES.

General Instructions Caution: Do not sign this form unless all applicable lines have been completed.

Purpose of form. Use Form 4506-T to request tax return information. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must file Form 4506-T to request a return transcript.

Note: If you are unsure of which type of transcript you need, request the Record of Account, as it provides the most detailed information.

Customer File Number. The transcripts provided by the IRS have been modified to protect taxpayers' privacy. Transcripts only display partial personal information, such as the last four digits of the taxpayer's Social Security Number. Full financial and tax information, such as wages and taxable income, are shown on the transcript.

An optional Customer File Number field is available to use when requesting a transcript. This number will print on the transcript. See Line 5 instructions for specific requirements. The customer file number is an optional field and not required.

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

Automated transcript request. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on “Get a Tax Transcript...” under “Tools” or call 1-800-908-9946.

Where to file. Mail or fax Form 4506-T to the address below for the state you lived in, or the state your business was 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.

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

Chart for individual transcripts (Form 1040 series and Form W-2 and Form 1099) If you filed an

individual return and

lived in:

Mail or fax to:

Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address

Internal Revenue Service RAIVS Team Stop 6716 AUSC Austin, TX 73301 855-587-9604

Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming

Internal Revenue Service RAIVS Team Stop 37106 Fresno, CA 93888 855-800-8105

Connecticut, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia

Internal Revenue Service RAIVS Team Stop 6705 S-2 Kansas City, MO 64999 855-821-0094

Chart for all other transcripts If you lived in

or your business was

in:

Mail or fax to:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, A.P.O. or F.P.O. address

Internal Revenue Service RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409 855-298-1145

Maine, Massachusetts, New Hampshire, New York, Pennsylvania, Vermont

Internal Revenue Service RAIVS Team Stop 6705 S-2 Kansas City, MO 64999 855-821-0094

Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) or your individual taxpayer identification number (ITIN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN.

Line 3. Enter your current address. If you use a P.O. box, include it on this line.

Line 4. Enter the address shown on the last return filed if different from the address entered on line 3.

Note: If the addresses on lines 3 and 4 are different and you have not changed your address with the IRS, file Form 8822, Change of Address. For a business address, file Form 8822-B, Change of Address or Responsible Party — Business.

Line 5b. Enter up to 10 numeric characters to create a unique customer file number that will appear on the transcript. The customer file number should not contain an SSN. Completion of this line is not required.

Note. If you use an SSN, name or combination of both, we will not input the information and the customer file number will reflect a generic entry of “9999999999” on the transcript.

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. The IRS must receive Form 4506-T within 120 days of the date signed by the taxpayer or it will be rejected. Ensure that all applicable lines are completed before signing.

!CAUTION

You must check the box in the signature area to acknowledge you have the authority to sign and request the information. The form will not be processed and returned to you if the box is unchecked.

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. A bona fide shareholder of record owning 1 percent or more of the outstanding stock of the corporation may submit a Form 4506-T but must provide documentation to support the requester's right to receive the information.

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.

All others. See 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.

Note: If you are Heir at law, Next of kin, or Beneficiary you must be able to establish a material interest in the estate or trust.

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.

Signature by a representative. A representative can sign Form 4506-T for a taxpayer only if the taxpayer has specifically delegated this authority to the representative on Form 2848, line 5. The representative must attach Form 2848 showing the delegation to Form 4506-T.

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. You are not required to request any transcript; if you do request a transcript, sections 6103 and 6109 and their regulations 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, the District of Columbia, and U.S. commonwealths and possessions 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:

Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC 20224

Do not send the form to this address. Instead, see Where to file on this page.

BRAZOS HOME CENTER,LLC. PRIVACY NOTICE

We respect the privacy of every customer. We strive to protect personal information and maintain customer trust. In compliance with federal regulations, we are providing this notice to inform you of your right to keep your information from being shared with. other companies affiliated with Brazos Home Center, LLC or other business associates (non affiliates) under certain circumstances. The examples provided in this privacy policy are illustrative and should not be considered an exhaustive list of uses or parties with whom information may be shared.

State law may provide you with greater or additional privacy protection. We will comply with state law regarding your information where applicable. Additionally, this policy will not apply to other financial service providers that are not affiliated with the companies listed below. Their privacy policy will govern how they collect, use, and disclose personal information that you allow them to access.

Information We May Collect:

• Information we receive from you (or on your behalf) on applications or other forms, such as your name, address, telephone number, social security number, health status, and income;

• Information about your transaction with us, our affiliates, or others, such as your account number, account balance, payment history, and parties to the transaction; and

• Information we receive from consumerreporting agencies, manufactured home dealers·, public retards, credit references, credit score, data collection agencies, and information that we obtain to verify employment history, that insurance coverage is in place, your obligations to others, credit worthiness, or credit history.

It is not our policy to sell or rent nonpublic personal information to outside parties. However, nonpublic personal information may be disclosed to the following parties:

• Affiliated companies, such as the insurance division of our parent company and retail, manufacturing, finance, insurance, and communities divisions of companies with whom we operate a joint venture;

• Parties who assist in processing and servicing Joan transactions; • Nonaffiliated third parties as permitted by law, such as law enforcement and other governmental officials.

Joint Marketing and Servicing: We may disclose information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. The information we generally receive is included in the above categories. To Protect our Customers' Nonpublic Personal Information: We restrict access to nonpublic personal information about you .to our employees, agents, and subcontractors who need the information and provide and maintain services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. Information from Former Customers: We treat information collected from former customers with the same security as current customers. As such, any nonpublic personal information collected will not be sold or rented to outside parties but may be shared in accordance with this privacy policy. Notice and Changes to this Privacy Policy: We will provide notice of our privacy policy and any relevant changes on an annual basis. Should we disclose your nonpublic personal information with a nonaffitiated third party in a manner inconsistent with this policy, we will provide you with a reasonable opportunity to optout of such disclosure as required by law. This Privacy Policy Shall Apply to the Following Companies:

Brazos Home Center, LLC MHM Financial, LLC Lance lnderman Insurance Company

Should you have questions concerning our Notice, you may call 4175331024 between the hours of9:00 am and 6:00 pm, Monday through Friday.

Applicant Signature Applicant Signature

Date Date

INFORMATION DISCLOSURE AUTHORIZATION To whom it may concern:

I/We authorize you to release to Brazos Home Center, LLC for verification purposes, information requested on the attached forms concerning:

Employment history, dates, titles, income, hours worked, etc., banking and savings accounts of record, mortgage loan rating (opening date, high credit, payment amount, loan balance, and payment record) and/or any information deemed necessary In connection with a consumer credit report for a real estate transaction.

This information is for the confidential use of this entity in compiling a mortgage loan credit report or rental application report.

A photographic or carbon copy of this authorization (being a photographic or carbon copy of the signature(s) below) may be deemed to be equivalent of the original and may be used as a duplicate original.

Your prompt reply will be appreciated. Thank you for your cooperation.

Full Name (as printed on driver's license) Full Name (as printed on driver's license)

Birth Date: Birth Date:

Social Security#: Social Security#:

Full Address: Full Address:

City, State, Zip: City, State, Zip:

Phone#: Phone#:

Signature: Signature:

_____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ ____________________________________________________________________________

PATRIOT ACT INFORMATION FORM Contract Administrator: __________________________

Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. When applying for a loan, applicants will be asked for their name, address, date of birth, and other information that will allow lenders to identify them. Applicants will also be asked to show their driver's license or other identifying documents.

COMPLETION OF THIS FORM IS REQUIRED IN ORDER TO COMPLY WITH THE PATRIOT ACT. A COPY OF THIS COMPLETED FORM MUST BE PLACED IN THE LOAN FILE.

Required Information:

Borrower Name: _____________________________________

Co-Borrower Name: _____________________________________

Borrower Date of Birth: _____________________________________

Borrower SSN: _____________________________________

Co-Borrower Date of Birth: _____________________________________

Co-Borrower SSN: _____________________________________

Borrower Current Physical Address: _____________________________________

Co-Borrower Current Physical Address: _____________________________________

(7) Gov’t ID (Visa): #_______________ Expir. Date: _______ Gov’t Branch: _______________

(6) Immigration Card: Country: __________ # _______________ Expir. Date: _______

(5) Green Card: Country: __________ #: ____________________ Expir. Date: _______

(4) State ID: # _______________ Issue Date: _______ Expir. Date: _______

(3) Military ID: Country: __________ Expir. Date: _______

(2) Passport: # _______________ Country: __________ Issue Date: _______ Expir. Date: _______

(1) Driver’s License: State _______ # _______________ Issue Date: _______ Expir. Date: _______

Method Of Identification For Borrower (Only One Form Of Verification Is Required):

Resolution Of Any Discrepancy:

(7) Gov’t ID (Visa): #_______________ Expir. Date: _______ Gov’t Branch: _______________

(6) Immigration Card: Country: __________ # _______________ Expir. Date: _______

(5) Green Card: Country: __________ #: ____________________ Expir. Date: _______

(4) State ID: # _______________ Issue Date: _______ Expir. Date: _______

(3) Military ID: Country: __________ Expir. Date: _______

(2) Passport: # _______________ Country: __________ Issue Date: _______ Expir. Date: _______

(1) Driver’s License: State _______ # _______________ Issue Date: _______ Expir. Date: _______

Method Of Identification For Co-Borrower (Only One Form Of Verification Is Required):

I/we acknowledge that I/we received a copy of this disclosure.

Applicant Date Applicant Date

Applicant Date Applicant Date

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