October 18, 2011 Christy Prichard and Ryan Strong 19640 Club House Dr.

#13-232 Parker, CO 80138 Dear Christy and Ryan, We are very pleased to have the opportunity to assist with your mortgage lending needs. As a courtesy to you we are sending your application, disclosures, and a list of financial documents needed, so that you can gather this information and review your application and disclosures in the comfort of your home. As promised we have completed most of the application for you with the information you have provided. The areas highlighted need your attention. Please review the application for accuracy and feel free to write in any corrections necessary. We will correct changes made by you on the final application used for closing. If you have any questions for Conya, please call (303) 248-3323. Three very important facts about your enclosed application and disclosures: First- Signing and returning your application and financial information does not obligate you to complete the financing you are applying for or obligate you to pay any fees; it does however, allow us to pre-approve your loan, which facilitates a smooth loan process and gives you the best possible position for contract offers and negotiations. Second- Unless you have chosen to protect (lock-in) your interest rate, the rate on the application is not your guaranteed rate. As your mortgage planner, however, I will do my best to notify you of any rate changes I see coming. Third- Returning the documents, outlined below, promptly will help you avoid delays and inconveniences later in the process.

Verification of employment contact information Name (for Christy) phone #

Name (for Ryan)

phone #

Hazard Insurance Name and Phone # phone #

Name Signed applications Signed disclosures Copy of Drivers License and SS Card

We look forward to making the purchase of your home as smooth and effortless as possible for you. If you have any questions regarding the documentation requested above please contact me, as I am Jacobs Mortgage Assistant, directly at 303-840-9252, or bearcreek.mtg@comcast.net. Sincerely,

Conya Echols Mortgage Assistant for Jacob Rothenberg, Cert. Mortgage Planner Nationwide Home Loans, Inc.