Thank you for choosing Hidalgo Properties –Real Estate& Financial Services as your Preferred Lender.

This is to certify thatMr and Mrs Good Buyer

Has been Pre- Approved for aOwner Occupied

real estate transaction up to the amount of$ 100,000.00

Conventional Loan in the amounts of $ 50,000.00 1st 50 % LTV, 50% Down.1) Acceptable property appraisal by a certified appraiser approved by Financial Services.

2) Verification of Credit [ok] Employment [ok] Assets [ok]3) Acceptable Title and Escrow Documentation

_____________ Marco Gutierrez __________ Date: December 10 2009 Marco Gutierrez

** This is a loan prequalification. This is not a mortgage commitment. ** Many programs available 1/1, 3/1, 5/1, 7/1, 10/1 and 30 Fixed and Buydowns and ARM Loans.

“ Open Minds .... .... Open Doors ”

Home Loan Pre-Approval

Certificate

Office Phone Number : (800) 773-0643Fax Phone Number : (800) 680-4268Pager / Voice Mail Number : (925) 219-0103E-Mail : hidalgo_properties@yahoo.com