Within Reach P C TPO P D S C - Land Home Financial Services

Within Reach? & POWER PURCHASE - CONVENTIONAL

TPO PARTNER DISCLOSED - SUBMISSION CHECKLIST

BORROWER(S) NAME:

LOAN NUMBER:

A) MANDATORY UNDERWRITING SUBMISSION REQUIREMENTS

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Loans must be created and uploaded into DASH

Land Home Financial Services, Inc. Submission Checklist

Initial URLA & Addendum (if applicable) Signed by the Borrower and Loan Officer

AUS Findings (All AUS findings must be ran through DASH. LHFS will no longer accept ¡°Released or Assigned¡±)

Credit Report (dated within 90 days and Brokers Credit Report must show OFAC findings)

Income Documentation per LPA findings ¨C 80% AMI (Income Limits):

o 30 days, recent and consecutive of Pay Stubs and/or Award letters.

o W2s / 1099s and Tax Returns ¨C recent 2 years.

LOE regarding inquiries in last 120 days.

Asset Documentation per AUS Findings

Earnest Money Deposit.

Valid Purchase Contract

Preliminary Title Report ¨C 24-month chain of title and dated within 30 days of submission

o If report is not immediately available, loan may still be submitted. Please keep in mind this will then be a conditioned item.

ABOVE ITEMS MUST BE PROVIDED AT THE TIME OF SUBMISSION. INCOMPLETE FILES WILL BE REJECTED.

B) TPO PARTNER DISCLOSED LOANS

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Include items from Section A

Loan Estimate (LE) and any revised LEs and COCs

Service Provider List

Broker Itemization of Fees and Title/Settlement Fee Quote (unless LHFS disclosed initial LE)

Intent to Proceed (Acknowledged by Borrower or Broker)

Acknowledgement of Receipt of Your Home Loan Toolkit

Affiliated Business Arrangement (if applicable)

Signed and completed 4506C

CA Domestic Partnership (non-married borrowers; 2 boxed must be checked) If not using FNMA 1003 that includes domestic

partnership language

Homeownership Counseling Disclosure

Mortgage Loan Origination Agreement

CA MLDS or both (a) a Loan Estimate and (b) an executed CA LE Addendum

Social Security Verification Form ¨C Must be on LHFS form.

All State and Federal Required Broker Disclosures

? Admin Fee $995 (Power Purchase only)

o Lender or Borrower Paid Compensation

o Third-party processing fees may not exceed $995

? Admin Fee $1145 (Within Reach? only)

o Borrower Paid Compensation up to 2%

o Third-party processing fees may not exceed $995

LHFS LOSS PAYEE CLAUSE

SECOND MORTGAGE INSURANCE

(APPLICABLE TO Within Reach? - STANDARD HOMES ONLY)

Land Home Financial Services, Inc., ISAOA

C/O Dovenmuehle

P.O. Box 961292

Fort Worth, TX 76161-0292

National Homebuyers Fund, Inc.

1215 K Street, Suite 1650

Sacramento, CA 95814

HELPFUL LINKS

? Manufactured Housing (MH) Checklist ¨C Must be submitted in addition to the above required items if property is MH

? Disclosure Input Steps - 3.2 File

? Forward Lock Instructions

Power Purchase

Within Reach?

? Power Purchase Conventional Matrix

? Within Reach? Lock Instructions

? Power Purchase Conventional - Manufactured Housing Matrix

? Within Reach? Conventional Matrix

? Within Reach? Conventional - Manufactured Housing Matrix

Equal Housing Opportunity Lender. Please note that all information is provided for informational purposes only, for the exclusive use of licensed mortgage professionals, and not for distribution to the public. This information does not represent an offer or commitment to enter a loan agreement by Land

Home Financial Services, Inc. (LHFS). Not all programs are available in all areas and rates and costs stated do not apply to all loans made. LHFS¡¯s underwriting guidelines and program restrictions apply. Terms and programs listed are subject to change without notice. LHFS only conducts business in

approved states. LHFS is an Equal Housing Opportunity Lender. For complete licensing information go to . Corp NMLS #1796.

Within Reach? / Power Purch Conventional TPO Partner Submission Checklist ¨C 3/8/2023

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