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HECM Underwriting Guidelines

Longbridge Financial, LLC. Underwriting Guidelines -1- Table of Contents Address .. - 24 - ADP Codes .. - 24 - Age .. - 25 - Alternate Contact Information .. - 25 - Application .. - 25 - New York .. - 26 - Final and Complete Application Definition .. - 28 - Re-Application Requirements .. - 28 - Good Faith Estimate (GFE) .. - 29 - Origination - 30 - Fee Restrictions in NY .. - 30 - Valid Change of Circumstance (VCC) .. - 31 - Truth-In-Lending - 32 - Asset Verification .. - 32 - Borrowed funds .. - 33 - Unacceptable Sources of Funds.

- 7 - Contract of Sale.....- 90 -

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