You are on Step 1 of 5, Your Loan. Remaining Steps: Your Information, Your Home, Your Work, and Your Declarations

Your Loan

Will this loan be a purchase or refinance?: This loan will be a Purchase; This loan will be a Refinance

Are you a first–time homebuyer? *: Yes, I am a first–time homebuyer.; No, I am not a first–time homebuyer.

Have you found a home you are interested in purchasing? *: Yes, I have found a home I am interested in purchasing.; No, I have not found a home I am interested in purchasing.

When do you expect to close the purchase of your new home? *

Are you interested in minimizing your out-of-pocket costs as much as possible?: Yes; No

Have you signed a purchase agreement? *: Yes, I have signed a purchase agreement.; No, I have not signed a purchase agreement.

What type of loan program are you most interested in?: I am interested in a 30 Year Fixed loan program.; I am interested in a 15 Year Fixed loan program.; I am interested in a 2 Year ARM loan program.; I am interested in a 3 Year ARM loan program.; I am interested in a 5 Year ARM loan program.

Are you working with a real estate agent? *: Yes, I am working with a real estate agent.; No, I am not working with a real estate agent.

What type of loan program are you most interested in?: I am interested in a 30 Year Fixed loan program.; I am interested in a 15 Year Fixed loan program.; I am interested in a 2 Year ARM loan program.; I am interested in a 3 Year ARM loan program.; I am interested in a 5 Year ARM loan program.

Will there be a co–borrower on the loan? *: Yes, there is a co–borrower.; No, there is not a co–borrower.

How would you prefer to receive your loan documents? *: I would like to receive my loan documents Online, Fastest Option!By selecting this option you agree to the terms and Conditions of Electronic Documents

You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through the NationPoint website and via e-mail (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at 1.800.770.4277. You should also keep us informed of any change in your e-mail or mailing address by contacting us at 1.800.770.4277.

By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware; I would like to receive my loan documents By U.S. Mail

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All loan programs, terms and rates are subject to change without notice. Additional terms and conditions may apply. Loan approval, rate and terms are dependent on your credit score and financial history.

© 2007 NationPoint. All rights reserved. NationPoint is an equal housing lender. The corporate office is located at 25530 Commercentre Dr Lake Forest, CA 92630. NationPoint is a division of First Franklin Financial Corporation, an operating subsidiary of Merrill Lynch Bank & Trust Co., FSB, a Federal Savings Bank, located in New York. Loan programs are not available in all states.