1-800-955-0021 Suite 100 Knoxville, TN 37901 List... · Put an ad in your local thrifty or bargain shopper’s guide: They are inexpensive and target good prospects. Put up bulletins

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1-800-955-0021 Street Address: NMLS #2280 Mailing Address: 620 Market St. P.O. Box 477 Suite 100 Knoxville, TN 37901 Knoxville, TN 37902

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Information about your Home and Neighborhood

Use the form below as a guideline for frequently asked questions: What are the monthly utility bills? Electric: $ ___________ Water: $ ___________ Heat: $ ___________ Cable TV: $ ___________ Are you on city water or well water? City Well Are you hooked up to a septic tank or city sewer line? Septic City Sewer

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Can your home stay at its present location? Yes No Have you cleared it with the Park Manager or Landowner? Yes No What is the monthly space/lot rent and what is included? $ ___________ Includes: _________________________________________ What are the restrictions on pets? ________________________________________________________________________________

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Is the mortgage assumable? Yes No What appliances and furniture will be left with the home after the sale?

Refrigerator Stove Washer/Dryer Dishwasher

Other: _________________________

Other: _________________________

Other: _________________________

What are the neighbors like? ____________________________________________________________________________________ What are their names? _________________________________________________________________________________ What school district? __________________________________________________________________________________________

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Getting the value for your home Almost all dealerships have this information on hand and can calculate the average retail book value of your home by using the N.A.D.A Manufactured Housing Appraisal Guide. This price is only an “average” retail book value and not your local market value, so you may have to adjust the price to fit your local market. If you have Internet access, you can visit www.nadaguides.com, which is the online version of

the N.A.D.A. Appraisal Guide.

Get the word “FOR SALE” out! If people don’t know that your home is “For Sale”, then how are you going to sell it? Here are some suggestions: Put an ad in your local newspaper: We’ve included some sample ads that you may want to us as a guide for your own ad. Put an ad in your local thrifty or bargain shopper’s guide: They are inexpensive and target good prospects. Put up bulletins and flyers all over town: Put a good photo of your home on flyers and make several copies. Put the flyers around town, at the post office, coin laundries, convenience stores, grocery stores, and shopping centers. Put the “For Sale” signs in your windows: Make sure they can be seen from the street or sidewalk. Ask your friends, neighbors, park manager, and relatives if they know of anyone interested in buying a home: Ask them to spread the word and to keep you informed. Have an open house: Select a convenient time on a weekend and place an ad in the newspaper (see our sample ads). Put “For Sale” signs on local street corners and along roads near your home. Get Your Prospect to Buy! Here a few reminders for when you are showing your home to prospective buyers:

! First, always be polite, and friendly: Even if the prospect is rude, they are visiting you because they have an interest in your home.

! Second, get to know the prospect: Offer them something to drink and spend a few minutes getting to know them. Try to find things to talk about that you have in common with them.

! Third, show the home: Point out features about each room. Focus on the positive, not the negative. Point out the location of schools, grocery stores, hospitals, etc.

! Fourth, ask for the sale: Remember the reason they are there is because they are interested. Do not be afraid to ask them for the sale.

!Financing and Contracts Make sure to tell the prospects that show interest in purchasing your home that you have financing available for their purchase. 21st Mortgage Corporation specializes in mobile home financing that you or your buyer needs. When you have a buyer, have them fill out the sales (purchase) agreement, credit application (enclosed) and have then mail the forms to:

21st Mortgage P.O Box 477

Knoxville, TN 37901 Atn: Direct Lending Dept.

http://www.nadaguides.com/

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Home Clean-up Checklist Outside: Sweep Decks or Porches Mow Lawn Paint/Touch-up Pick-up Trash Pick up toys, tools, and anything that clutters yard Kitchen: Clean Refrigerator (Inside and Outside) Clean Stove (Inside and Outside) Sweep and Mop Floor Wipe Down Cabinets Clean Sink Wipe Down Counters Clean Table Dust: Wash and Repair Any Damaged Paneling Dust Lamp Shades and Bases Dust Shelves Dust Tables Vacuum Furniture Carpet: Shampoo carpets Dust and Touch-up Paint Baseboards Bathroom: Wipe Down Counters Clean Sink Clean Tub and Shower Clean Toilet Clean Mirror Vacuum or Sweep and Mop Floor Put out Fresh Towels Windows: Wash Inside and Outside of Windows Launder Curtains Replace any Broken Windows or Torn Screens Clean and Dust Blinds or Shades Misc: Repair Leaky Faucets Replace Blown Light bulbs Fix Broken Deck Railings or Steps Replace Any Missing Electrical Plates Confine Pets to Restricted Area Remove any Unnecessary Furniture

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SSaammppllee AAddss

DESPARATE OWNER 3 BR 2 BA ’91 14x70 MH Large Eat-in Kitchen, Fireplace, Skylights, lush landscaping. Bring all offers. Financing Available. (423) 555-2120 Help Me! I’m Down! 2BR 2 BA 1989 14x70 MH N Roanoke Location. Financing Available. 423-555-2120 LOW MONTHLY PAYMENT LOW INTEREST RATE FINANCING AVAILABLE 89 MH 3BR 2 BA. Under $15k Call (423) 555-2120 MUST SELL! 16x72 MH Low Down Payment. Financing Available 423-555-2120

MOVING! MUST SELL! 1987 MH 12x60 2 BR 2 BA Must See. Very Clean. Porch. Washer/Dryer Financing Available. Call (423) 555-2120 MUST SELL BY CHRISTMAS – BY OWNER Beautiful Doublewide. 24x60 MH 3 BR 2 BA Glamour Home. Stone Fireplace, All appliances Garden Tub, Already Set-up in Little River. Appraised at $26,800. Will take $23k obo. Financing available. Must Qualify (423)555-2120 OPEN TODAY 12/6 786 Sabre Dr Solid Well-kept ’93 MH 14x70 3br 2 ba Double Carport. Great Lot. Just Painted. Financing available. 423-555-2120. OPEN HOUSE – BY OWNER -- SAT/SUN West, ½ acre lot, 1400 sq ft, 1993 28x80 MH Ebenezer to rt on Pace, 1.2 miles to Rone Hills On rt. Questions? Call (423) 555-2120

Selling your Manufactured Home?!!#$%&''()*+!,-*!.(,&/.01!'(2)*1,!(.3!4/1,!(5,&6*!7*81&,*!,/!9:;!/2!"1,!#/2,)()*!5:1,/4*21!(.!*?5':1&6*!3&15/:.,!/=!15% off!(!-/4*!'&1,&.)@!!!ST!,/!1A*(B!E&,-!(!#$%&''()*!I:1,/4*2!

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Purchase Agreement

I. PARTIES – [please print]

____________________________________ (Seller) agrees to sell and convey to

____________________________________ (Purchaser), and Purchaser agrees to buy from Seller the Property described below.

II. PROPERTY [insert description of the home and address where home is currentlylocated]:

Year:_________________ Width:__________ Length:___________

Make:_________________ Model:______________________________

Serial No._______________________________________________________

Current Address:__________________________________________________

Legal Description of Land if being included in Loan: __________________________

III. PURCHASE PRICE

The Parties agree that the total purchase price (including cost to move or set-up the home, if any) is $_______________________ (plus all applicable sales tax, if any). The total purchase price includes a deposit in the amount of $_______________________ [insert N/A if no deposit will be or has been paid by the Purchaser].

IV. MISCELLANEOUS

(a) If the home will be moved to a new location, please insert the address where home will be located below: _________________________________________________________________

(b) Seller warrants that he/she/it is conveying title to the home and land, if applicable, free and clear of all liens and encumbrances.

__________________________________ ___________________________________ Seller Date Buyer Date

___________________________________ ___________________________________ Seller Date Buyer Date

One Centre Square ● 620 Market Street ● Knoxville, TN 37902 Telephone (800) 955-0021 Ext. 1456

Fax (888) 440-4520

“Your Manufactured Home Lending Source”

21st Mortgage’s Credit Application – Direct Lending Department

Dear Loan Applicant,

Thank you for your interest in obtaining a loan through 21st Mortgage. Currently we are the nation’s number one provider of mortgages on manufactured homes. We originate, underwrite and service our own loans. We provide you with the best possible rates, and typically an answer to your application within 1-2 business days. There are four fast and easy ways to apply for a mortgage. Please contact us with any questions or concerns that you may have. Our offices hours are Monday through Friday, 8:30 A.M. – 6:00 P.M. (ET)

21st Mortgage On-line: For fastest service, use our online application atwww.21stmortgage.com. This application form uses a secure connection (SSL). Anyinformation you submit is encrypted for your protection.

Fax: Fill out all the forms attached completely (credit application) and fax it to our DirectLending Department at: 1-888-440-4520

Phone: Call us at 800-955-0021ext.1456 to apply over the phone. Mail: Fill out all the required forms attached (credit application) and send to:

21st Mortgage Corporation 620 Market Street Suite 100 Knoxville, TN 37902 Attn: Direct Lending Department

We appreciate your business,

Direct Lending Department NMLS#2280

NMLS2280

Application Date: MLO Name: MLO Signature:

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

Purpose of the Loan: □ Purchase home only □ Purchase home and land □ Refinance □ Land onlyStreet Address where home will be located:

City: State: Zip: County:Site of Placement: □ Owned Property with no lien □ Owned Property Land Contract/Mortgage Trust Deed□ Leased □ Family Land □ Community □ Reserva on

Is property located on a paved road? □ Yes □ No Lot Size? acresDoes property have a public maintained road frontage? □ Yes □ No Shared Well? □ Yes □ NoInformation on the Land Lease Community, Land Owner Name, Tribe name if home is to be placed on a Reservation, or the mortgage holder:

Name: __________________________________________ $____________

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

APPLICANT EMAIL ADDRESS:

CO‐APPLICANT EMAIL ADDRESS:

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

Birth Date: Social Security #: Birth Date: Social Security #:

Sex: (Optional) Marital Status: Sex: (Optional) Marital Status:□ Male □ Female □ Married □ Unmarried □ Separated □ Male □ Female □ Married □ Unmarried □ Separated

# Dependents: Ages: # Dependents: Ages:

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

How long at present address? □ Homeowner * □ Other How long at present address? □ Homeowner * □ OtherYrs Mo □ Renter □ Parent Yrs Mo □ Renter □ Parent

Name of Mortgage Holder or Landlord: Telephone number: Name of 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: How long?

Name of Mortgage Holder or Landlord: Name of Mortgage Holder or Landlord:

Telephone number: Telephone number:

Relationship: Relationship:

Phone: Phone:

Page 1 of 6

(A) APPLICANT (B) CO-APPLICANT

APPLICANT'S RESIDENCE CO-APPLICANT'S RESIDENCE

Mo. Mrtg/Rent: Mo. Mrtg/Rent:

*If homeowner, what do you intend to do with the existing home? *If homeowner, what do you intend to do with the existing home?

EMAIL ADDRESS: REQUIRED (for Loan Notices and Documents)

Monthly Site Payment

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

Phone Number: ___________________________

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.

21st Mortgage Corporation ‐ Direct Lending Department620 Market Street, Suite 100Knoxville, TN 37902

Office Number: 1‐800‐955‐0021 Ext. 1456Fax Number: 1‐888‐440‐4520Online Application Available at: 21stmortgage.com

What is your base pay rate excluding commission, bonuses, and overtime:

How are you paid? Hourly rate: $_________ Weekly Salary :$___________ 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.


How are you paid? Hourly rate: $_________ Weekly Salary :$___________ BiWeekly Salary: $____________ Monthly Salary: $____________

Do you receive bonuses?_______________ How often? _____________

Do you receive commission? ___________ How often? _____________

Do you consistently receive overtime?____ How often? _____________


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: Supervisor Name and Telephone Number: Email address:

Supervisor Name and Telephone Number: Income:

City, State:

3‐Previous Employer: Position Held: Date Started: Date Left:

Position Held:

Email address:

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 $_________________


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 commission over the last 12 months $_______________

How much in bonuses 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: Date Started:

2‐Second or Previous Employer: Position Held:

Page 2 of 6

Position Held: Date Started:

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


3‐Previous Employer: Position Held:

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






















Applicant Bank Name: City, St: Account type: Balance: $

Co‐Applicant Bank Name: City, St: Account type: Balance: $

Retirement/401K with: City, St: Account type: Balance: $

Auto #1: Yr/Make Value: $ Lender: Payment: $ Balance: $


Other Asset: Value: $ Lender: Payment: $ Balance: $

Other Real Estate Owned Value: $ Lender: Payment: $ Balance: $


Are you a co‐maker or guarantor on a note?

If Yes, for whom? Creditor Monthly Payment: $

Expiration Date Expiration Date

Alimony/Maintenance: $ Alimony/Maintenance: $

Garnishment: $ Garnishment: $List Ages of Children List Ages of Children

Child Support: $ Child Support:

List Items that have a significant impact to your budget Estimated Monthly Amount

If 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: $

$

Borrower

1. Are you a U.S. Citizen? □ Yes □ No □ Yes □ No2. Are you a permanent resident alien? □ Yes □ No □ Yes □ No3. Have you declared bankruptcy within the last 10 years? □ Yes □ No □ Yes □ No

If yes, when did you file? Date: Date:4. Have you had any judgments, repossessions, garnishments, or other legal proceedings filed against you in the past 7 years? □ Yes □ No □ Yes □ No

□ Yes □ No □ Yes □ NoPage 3 of 6

Government?

Co‐Borrower

ASSET AND CREDIT INFORMATION

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

If the answer is “yes” to any of the questions (2‐5), explain on attached sheet. Enter Y (yes) or N (no) for Borrower and/or Co‐Borrower

5. Do you have any past due obligations to or insured by any agency of the Federal

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 undertake or repay this debt.

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 the equalcredit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or moredesignations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose notto furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below. (Lender must review the above material to assure the disclosures satisfy all requirements to which theLender is subject under applicable state law for the particular type of loan applied for.)APPLICANT I decline to furnish this information CO‐APPLICANT I decline to furnish this informationEthnicity: □ Hispanic or La no □ Not Hispanic or La no Ethnicity: □ Hispanic or La no □ Not Hispanic or La noRace: □ American Indian or Alaskan Na ve □ Asian Race: □ American Indian or Alaskan Na ve □ Asian

□ Black or African American □ White □ Black or African American □ White □ Na ve Hawaiian or Other Pacific Islander □ Na ve Hawaiian or Other Pacific Islander

Sex: □ Male □ Female Sex: □ Male □ Female

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 financial institution 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. 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 andconditions, 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 theinterest 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 theadverse 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: Texas, New York, Ohio, Oregon. 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 assignsand 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 lossdue 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 underthe 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 of deed of truston the property described herein; (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 thepurpose 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 theapplication, even if the Loan in not approved; (7) the Lenders and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the informationcontained 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 ofthe 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 andvalid 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. Borrower Signature Date Co‐Borrower Signature Date Page 4 of 6

Loan Submission Worksheet - Direct Lending Department

How did you hear about 21st Mortgage:________________________________________________________ Referred by: ________________________

OWNER/SELLER/LISTING AGENT INFORMATION

Who is the current owner/seller of the home:? Phone: ( )

Email (Owner/Seller): _______________________________________________________________

Who is the Listing Agent of the home:? Phone: ( )

Email (Listing Agent):________________________________________________________________

PROPERTY INFORMATIONYear of Home Make Model Width x Length

Home Sales Price/Refinance Amount: $ Lien Holder:? _________________________

Sales Tax: (If Applicable) + $

Total Home Sale Price: + $

Land Purchase Price or Payoff of Land + $ Lien Holder:? _________________________

Land Improvements to be financed (Itemize Below) + $

Consolidation Requests: (Itemize Below)(For Refi's Only) + $

Total Package Price = $

Proposed Total Down Payment - $ A Minimum of 5% is required. A down payment greater than 5% increasesthe likelihood of approval and may result in a lower interest rate.

Source of Down Payment: □ Savings □ Checking □ Cash on Hand □ Loan□ Gi . If gi , from whom: □ Other (Explain):

Unpaid Balance of Package Price = $

Land Improvements/Consolidations Requested (List Improvements &/or Vendors)

$ $

$ $

$ $

In the space below, provide underwriting with any additional information that will be helpful in understanding this transaction:

Borrower Date Co - Borrower Date

Page 5 of 6

ACKNOWLEDGEMENT: Buyer acknowledges and agrees that this Sales Worksheet presents a proposed sales package based on information reasonably available at this time. The terms of the proposal may change at any time based on Seller's or Buyer's preferences and additional information that becomes available concerning the potential sale. Information provided is based on estimates of costs related to the sales package, including but not limited to home unit, options, add‐ons, construction costs, etc. The terms of the agreed upon sales package, including additional information concerning the sale that may not be listed in this worksheet, will be documented in the final sales agreement and/or other sales‐related documentation entered into by Seller and Buyer at the closing of the sale, and will be subject to the terms and conditions contained therein. The final sales agreement may contain additional information concerning rights, obligations, and disclosures applicable to the transaction. New manufactured homes meet Federal Manufactured Home Standards. Actual home purchased may not meet local codes and standards. Buyer should check with local authorities to verify local requirements.

ChrisCTypewritten Text




This credit application will be submitted to 21st Mortgage (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 may have about your 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 with the sales transaction – for example, the type of home to purchase, options, site improvements, sales features that may impact your financing options, etc. 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. Following the receipt of your credit application, a representative from the Lender (or a person under their supervision, as appropriate) may contact you to discuss your application. Should you have any questions about this application, please contact the Lender at (800) 955-0021.

Name Ext NMLS # TN License # Name Ext NMLS # TN License # 21st Mortgage Corp. n/a 2280 109340 Kittle, Chris 1095 202249 110775 Archer, Kerri 1827 832728 MacGuire, John 2001 393419 113642 Allen, Joy 1200 16307 McGroom, Joe 1133 1187463 120284 Bell, Chris 1926 1237278 McMahan, Adam 1047 16516 107490 Bradley, Cassandra 1544 282742 112019 Moore, Lindsay 1311 288258 111230 Campbell, Thomas (Tee) 1399 872289 Morales, Yamilla 2138 202266 108024 Carter, Tim 2110 202256 111261 Nassios, George 1040 202260 Casper, Eileen 1131 1200479 Roach, Tim 1664 202271 Clark, Rob 2100 202264 Siggers, Jonathan 1636 201918 109759 Connard, Joe 1030 160546 111590 Stewart, Christopher (Ryne) 1136 1209308 Corwin, Chris 1203 94486 Sullivan, Scott 1121 1004036 115868 Cozzolino, Jonathan 1227 979264 114603 Taylor, Scott 2115 392022 Davis, Paul 2106 202244 Utley, Barrett 1123 1264594 Doolan, Ryan 1394 64626 107591 Webber, Jeff 1029 16262 110064 Fabian, Matt 1431 202243 110128 Williams, Lisa 1135 1209113 Fields, Kevin 1779 345474 111579 Wininger, Mark 1501 201915 Goodman, Kevin 1816 493671 Woody, Leigh 1127 1133367 Housewright, Chassidy 2101 202247 Wynn, Seth 1106 982255 Kirkland, Mike 1207 78839 Young, Granville 1006 202250 110311

By signing below, you acknowledge that you have read and understood the details provided, and also consent to the Lender sharing its credit decision and other necessary personal financial information from this credit application with your retailer/realtor for the purpose of facilitating your sales transaction and other purposes. You also acknowledge that you have personally completed the information on the application and that the information is complete and accurate. Please sign below and retain a copy for your records Applicant Signature (Date) Applicant Signature (Date)

Applicant Signature (Date) Applicant Signature (Date)

Dealership – Dealer # Sales Person (Date)

This form is a part of the 21st Mortgage credit application and must accompany the credit application and must be completed in order for the credit application to be accepted. Revised : 12-1-2014

M O R T G A G E C O R P O R A T I O N

Addendum to the 21st Mortgage Credit Application Communications Disclosure Form - Must be completed & submitted with ALL Credit Applications - Effective: 1-5-2015

*Below is a list of 21st Mortgage Loan Originators

21st Mortgage Corporation 620 Market Street, Knoxville, Tennessee 37902 Office: (800) 955-0021 Fax: (877) 830-3100

Loan # August 7, 2014

To Whom It May Concern:

Enclosed you will find an application to assume one of our current loans. Please note we must be in contact with our current customer(s) before completing the assumption process. Please have them contact us as soon as possible so that we may explain our procedures and the potential liability involved.

Please fill out and return the enclosed application along with:

• a copy of your most recent employee check stub• the previous 2 years of W-2 forms• clear copies of driver’s license and social security card

If self-employed, please send:

• the previous 2 years of Income Tax Returns (1040’s)• clear copies of driver’s license and social security card

If receiving Social Security, retirement, pensions or annuities please send:

• an awards or benefit letters for the present year• clear copies of driver’s license and social security card

We will need these items for all applicants applying for the assumption. In order to process your application in a timely manner, we must have a completed application, along with the above requested items. Any missing information will delay the application process.

If you have any questions, please contact our Customer Service Department at 1-800-955-0021 ext. 2900 during the hours of 8:00am to 5:00pm Eastern time.

Sincerely,

Customer Service Representative

Application Date: Current Customer's Name: Current Loan #:

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

Purpose of the Loan: □ Purchase home only □ Purchase home and land

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

□ Gift. If gift, from whom: □ Other (Explain):

Do you make payments on the home now? □ Yes □ No If so, how long have you made payments? ____________

If so, how much are you paying? ___________ Do you live in the home now?____

Do you need to move the home: If so, can you afford to do so?Current Property Address:

Street Address where home will be located:

City: State: Zip: County:Site of Placement: □ Owned Property with no lien □ Owned Property Land Contract/Mortgage Trust Deed□ Leased □ Family Land □ Community □ Reservation

Information on the Land Lease Community, Land Owner name, Tribe if home is to be placed on a Reservation, or the mortgage holder:Name: Phone Number: $Is the site rent scheduled to increase over the next four years. If so, please explain. __________________________ ___________________________________________________________________________________________________

APPLICANT EMAIL ADDRESS:

CO-APPLICANT EMAIL ADDRESS:

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

Birth Date: Social Security #: Birth Date: Social Security #:

Sex: (Optional) Marital Status: Sex: (Optional) Marital Status:□ Male □ Female □ Married □ Unmarried □ Separated □ Male □ Female □ Married □ Unmarried □ Separated

# Dependents: Ages: # Dependents: Ages:

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) Mailing Address (if different from physical)

Home Phone Cell Phone Home Phone Cell Phone

How long at present address? □ Homeowner * □ Other How long at present address? □ Homeowner * □ OtherYrs Mo □ Renter □ Parent Yrs Mo □ Renter □ Parent

Name of Mortgage Holder or Landlord: Telephone number: Name of Mortgage Holder or Landlord: Telephone number:

__________________________________________________ __________________________________________________Previous address (if current address is less than 5years) Previous address (if current address is less than 5years)

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

Name of Mortgage Holder or Landlord: Name of Mortgage Holder or Landlord:

Telephone number: Telephone number:

Relationship: Relationship:

Phone: Phone:

Page 1 of 4

EMAIL ADDRESS: REQUIRED (for Loan Notices and Documents)

Monthly Site Payment

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

(A) APPLICANT (B) CO-APPLICANT

APPLICANT'S RESIDENCE CO-APPLICANT'S RESIDENCE

Mo. Mrtg/Rent: Mo. Mrtg/Rent:

*If homeowner, what do you intend to do with the existing home?__________________ *If homeowner, what do you intend to do with the existing home?__________________

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.

What is your base pay rate excluding commission, bonuses, and overtime

How are you paid? Hourly rate: $________, Weekly Salary :$___________, BiWeekly Salary: $____________ Monthly Salary: $__________

Do you receive bonuses? How often? How much in bonuses over the last 12 months $ _____________

Do you receive commission? How often? How much in commission over the last 12 months $___________

Do you consistently receive overtime? How often? How much in overtime over the last 12 month $ ___________



How are you paid? Hourly rate: $________, Weekly Salary :$___________, BiWeekly Salary: $____________ Monthly Salary: $__________

Do you receive bonuses? How often? How much in bonuses over the last 12 months $ _____________

Do you receive commission? How often? How much in commission over the last 12 months $___________

Do you consistently receive overtime? How often? How much in overtime over the last 12 month $ ___________


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: Source: How Long: Monthly Amt:

Page 2 of 4


2‐Second or Previous Employer:


Supervisor Name and Telephone Number:

Income:


City, State:

Position Held:

Email address:

2‐ Second or Previous Employer:

City, State:


Position Held: Date Started: Date Left:

City, State,: Supervisor Name and Telephone Number:

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

City, State: Supervisor Name and Telephone Number: Email address:

Supervisor Name and Telephone Number: Income:


APPLICANT'S EMPLOYMENT HISTORY (Minimum Three Years)

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



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.























Applicant Bank Name: City, St: Account type: Balance: $

Co‐Applicant Bank Name: City, St: Account type: Balance: $

Retirement/401K with: City, St: Account type: Balance: $



Other Asset: Value: $ Lender: Payment: $ Balance: $



Are you a co‐maker or guarantor on a note?

If Yes, for whom? Creditor Monthly Payment: $

Expiration Date Expiration Date

Alimony/Maintenance: $ Alimony/Maintenance: $

Garnishment: $ Garnishment: $List Ages of Children List Ages of Children

Child Support: $ Child Support:

List Items that have a significant impact to your budget Estimated Monthly Amount

If you drive more than 20 miles each way to work every day, what are your

monthly fuel and maintenance expense other than car payment? $

Child Care Expense $

Other: $

Other: $

$

Borrower

1. Are you a U.S. Citizen? □ Yes □ No □ Yes □ No2. Are you a permanent resident alien? □ Yes □ No □ Yes □ No3. Have you declared bankruptcy within the last 10 years? □ Yes □ No □ Yes □ No

If yes, when did you file? Date: Date:4. Have you had any judgments, repossessions, garnishments, or other legalproceedings filed against you in the past 7 years? □ Yes □ No □ Yes □ No

□ Yes □ No □ Yes □ NoPage 3 of 4

Government?

Co‐Borrower

ASSET AND CREDIT INFORMATION

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

If the answer is “yes” to any of the questions (1‐5), explain on attached sheet. Enter Y (yes) or N (no) for Borrower and/or Co‐Borrower

5. Do you have any past due obligations to or insured by any agency of the Federal

QUESTIONS

Other Extraordinary Recurring Expenses

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 undertake or repay this debt.

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 the equalcredit 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 discriminate neither on the basis of this information nor 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 onthe basis of visual observation or surname, If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.) BORROWER: I decline to furnish this information CO‐BORROWER: I decline to furnish this informationEthnicity: □ Hispanic or La no □ Not Hispanic or La no Ethnicity: □ Hispanic or La no □ Not Hispanic or La noRace: □ American Indian or Alaskan Na ve □ Asian Race: □ American Indian or Alaskan Na ve □ Asian

□ Black or African American □ White □ Black or African American □ White □ Na ve Hawaiian or Other Pacific Islander □ Na ve Hawaiian or Other Pacific Islander

Sex: □ Male □ Female Sex: □ Male □ Female

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 financial institution 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. 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 andconditions, 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 theadverse 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: Texas, New York, Ohio, Oregon. 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 assignsand 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 lossdue 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 underthe 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 of deed of truston the property described herein; (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 thepurpose 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 theapplication, even if the Loan in not approved; (7) the Lenders and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the informationcontained 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 ofthe 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 andvalid 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.

Borrower Signature Date Co‐Borrower Signature Date Page 4 of 4

Credit Guidelines for Direct Lending PRINT

Whether you are financing or refinancing a manufactured home we look at three criteria: Capacity (can the customer afford it), Credit (do they pay their bills on time) and Collateral (homes value).

Employment Information – must be obtained in order to develop ability to pay and stability of income. At least three years of employment history must be obtained in each case. A minimum 6 month continuous employment must be verified.

Income Information – income must be verified on every approval using check stubs, W-2’s, 1040’s, etc. If the applicant is self-employed, income must be verified with copies of 1040’s and all supporting schedules, forms, attachments and bank statements where applicable. An IRS form 4506-T “Request for Copy or Transcript of Tax Form” must be completed and signed by the borrower and sent to 21st for review. Part-time job income may only be considered with verification that it has been received consistently for a minimum of 2 years. Child support income may only be considered with verification that it has been received consistently over the prior twelve months and is expected to continue over the next three years.

Debt to Income Ratio – Total Debt ratio including housing and all minimum debt payments must not exceed 43%. If this ratio is exceeded but less than 50%, the disposable income analysis must be performed and criteria met. Total Debt/Income = Debt to Income Ratio.

Credit Scores – a minimum beacon, fico score of 600 from all three major credit bureaus Experian, Equifax and Trans Union is required. Do you know what your credit score is? Find out before applying for a loan by clicking on http://www.myfico.com/ficocreditscoreestimator/. The credit score estimator will help assist you in determining the loan requirements mentioned above.

Equity Loan Programs – are available for applicants scoring less than 600. Minimum 35-40% equity position is required.

Bank Repossessions/HUD Foreclosures – 21st does not provide financing for other lender's repossessions or foreclosed properties including HUD.

Co-Signers – normally used when younger buyers lack the stability and credit experience to qualify. Should not be used in conjunction with an applicant who has credit problems or lack of sufficient income. Co-Signers must score above 640 on the bureau and be a homeowner, to be considered. Must live within 150 miles of the home location and must budget for the house and site payment.

Collateral – 21st Mortgage will lend up to 95% of the overall home and land value. Credit quality, loan affordability and collateral value will ultimately determine your loan-to-value or down payment requirement. Value is determined by using the following methods.

A. Mobile Home Only: Value is derived by using the lesser of the N.A.D.A Appraisal Value or Purchase Price of the Mobile Home.

B. Mobile Home and Land: Certified Land Only Appraisal with Improvements (Well, Septic, Detached Garage, etc.) + valuation in (A).

https://www.21stmortgage.com/web/21stSite.nsf/guidelines?OpenFormhttps://www.21stmortgage.com/web/21stSite.nsf/4506Thttp://www.myfico.com/ficocreditscoreestimator/

Loan Amount – minimum loan amount required is $20,000.

Primary Residence or Secondary Home – LTV will be based off home classification.

Age of Mobile Home – No restrictions in most states. In AL, the mobile home must be a 1990 or newer. In MS, the home must be a 1999 or newer. In NY, the home must be 1995 or newer.

Escrow – is required for insurance and taxes.

Property – must be on paved road, otherwise a minimum of 20% equity or 80% LTV (Loan-to-Value) is required for consideration. Unable to finance properties with shared wells.

Land Purchase – land may be financed with a home refinance. For existing 21st customers who have made 24 payments on time, the house may be financed with up to 95% of the expense of the land, improvements and moving expense, not to exceed $2,000 per floor for the move.

Land Improvements (Private Property) – such as well, septic, grading and foundation may be included in the home purchase price with a first lien on the land. Land improvements must add value to the property for each dollar of improvement.

Land in Lieu – real estate may be pledged as additional collateral in-lieu of down payment. The property must be at least ¼ acre, have access from a public road and be served by on-site utilities or public utilities. 21st must have a first lien. The pledged land must be verified to have been owned by the borrower or a family member for a period greater than 12 months. If purchased within prior 12 months, proof of purchase price must be presented. 21st will use quick sale value of the land: i.e. $10,000 X .65 = $6,500 (less payoff) $1,000 = $5,500 as down payment. 100% of the amount paid for the land may be used if there are no major derogatory accounts.

Loans – are not available in the following states: AK, HI, MA, ME & NJ.

Interest Rates* – typically range from 6.99 to 11.99% depending on overall credit quality, age of home, collateral type, occupancy type, loan amount and loan-to-value.

Meeting the above guidelines, does not guarantee approval.

*Rates and Credit Guidelines are subject to change without notice.

How can I get pre-approved for a manufactured home loan? Either fill out the on-line application or print, complete and return attached credit application or call us directly at (800) 955-0021 Ext.1456

https://www.21stmortgage.com/web/21stSite.nsf/application!OpenFormhttps://www.21stmortgage.com/web/21stSite.nsf/CreditApp_R

Getting the value for your homeFinancing and Contracts

SOURCECALL (____) ____-________CALL (____) ____-________CALL (____) ____-________CALL (____) ____-________21st Mortgage Credit Application.pdfDirect Lending Application Checklist.pdfDirect Lending Application ChecklistHere’s what you’ll need: The following documentation will be required for Final Approval.

Direct Lending Application Checklist.pdfDirect Lending Application ChecklistHere’s what you’ll need: The following documentation will be required for Final Approval.

Direct Lending Application Checklist.pdfDirect Lending Application ChecklistHere’s what you’ll need: The following documentation will be required for Final Approval.

Direct Application Addendum.pdfSheet2








21st Mortgage Credit Application.pdfDirect Application Addendum.pdfSheet2
