THANK YOU FOR YOUR SUBMISSION

TO INSURE A QUICK AND EASY CLOSING PLEASE FOLLOW THE INSTRUCTIONS BELOW

1. ALL CONDITIONS MUST BE SUBMITTED AT ONE TIME. IF ORIGINALS ARE NEEDED PLEASE SUBMIT ALL CONDITIONS VIA OVERNIGHT EXPRESS.

2. ALL DISCLOSURES MUST BE DATED THE SAME DAY AS THE LOAN APPLICATION. THE LOAN WILL NOT CLOSE WITHOUT ORIGINALS.

   THE FOLLOWING ORIGINAL DISCLOSURES ARE REQUIRED:

   1003, EQUAL CREDIT OPPORTUNITY, TRUTH IN LENDING, GOOD FAITH ESTIMATE, BORROWERS AUTHORIZATION, TRANSFER OF SERVICING, RIGHT TO AN APPRAISAL, BROKER FEE AGREEMENT.

3. COMBO LOANS REQUIRE ORIGINAL DOCUMENTS FOR BOTH LOANS. THEY ARE 2 TOTALLY SEPARATE PACKAGES.
4. PMI, RATE LOCK, & QUALITY CONTROL PROCEDURES ARE THE RESPONSIBILITY OF METRO MORTGAGE NOT THE BROKER.
5. YOUR INTEREST RATE WILL BE LOCKED WHEN ALL YOUR CONDITIONS ARE RECEIVED AND SIGNED OFF.
6. ON PURCHASES A SURVEY, (OR ALTA 9), & ONE YEAR PAID HAZARD INSURANCE ARE REQUIRED. ON REFINANCES AN ALTA 9 ENDORSEMENT IS OKAY IN LIEU OF A SURVEY.
7. WE REQUIRE 24 HOURS TO REVIEW AND CLEAR CONDITIONS. WHEN YOUR LOAN IS CLEAR YOU CAN CLOSE WITHIN 24 HOURS OF THAT POINT.
8. WHEN EMPLOYMENT IS VERIFIED ON A LOAN A VERBAL VOE WILL BE PERFORMED BY METRO THE DAY OF CLOSING.