RATE LOCK AGREEMENT/DISCLOSURE FORM

1 RATE LOCK AGREEMENT/DISCLOSURE FORMWe have chosen to LOCK our loan, and have completed a rate lock agreement with America Home Mortgage Corporation. A copy of purchase agreement is required to be delivered at time of locking to America Home Mortgage Corporation. A completed loan application must be done on the day of have chosen NOT TO LOCK our loan, and we understand that our rate is subject to change without notification. If we choose to lock-in our rate subsequent to this disclosure we will be provided with a rate lock-in agreement within three (3) business days, including _____ Co-Borrower_____Property Address_____Loan Program_____ Loan Type_____ Loan Amount_____We are pleased to confirm a rate lock on your mortgage loan subject to the terms and conditions in this agreement .

2 America Home Mortgage Corporation, Inc. has taken your lock with one of our lender relationships. America Home Mortgage Corporation, Inc. makes no warranties for this lender regarding the lender s ability or willingness to deliver such lock. An agreement between America Home Mortgage Corporation, Inc. and the lender facilitate the lock. The cost, terms, duration, and conditions of the lock-in agreement are detailed below. Only the lender can validate the APPROVAL of the Home Mortgage Corporation, Inc. guarantees total closing costs, not including prepaid items: interest adjustment per diem, property taxes, hazard insurance, or mortgage insurance; OR attorney fees, subordinated liens, any fees charged by existing current lender, condominium questionnaires or any other unrelated closing costs not agreed upon in writing.

3 OR any other unforeseeable closing cost not typical of a standard refinance or Rate _____ Discount Points _____ Loan Fee/Mortgage Broker Fee_____Lock-in Fee __N/A___ Lock Date _____ Lock Days (#) _____This lock-in agreement and other conditions regarding lock: _____The above lock-in terms are valid until the expiration date shown. Your loan must close and fund (disbursement of funds by the lender) by the expiration date. In the event that your loan does not fund on our before the lock expiration date the loan must be re-locked at the higher of the previous lock price or current scheduled pricing using the same lock option.

4 A re-lock is not automatic upon expiration. In some cases the lender subsequent to expiration of the lock may discontinue the loan program under which you are of the lock: RATE IS A FLOAT RATE UNTIL CONFIRMED BY AN AMERICA HOME MORTGAGE CORPORATION, INC., REPRESENTATIVE IN understand and agree to the terms contained in this lock-in :_____Date:_____Co- Borrower:_____Date:_____1 SETTLEMENT SERVICE PROVIDERSThe Good Faith Estimate you have received reflects an estimate only of the charges that you are likely to incur at the settlement of your loan. These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974, as amended (RESPA).

5 We may require the use of a particular provider or providers from an approved list for certain settlement services. Shown below are some of the providers on our approved lists and a range of costs generally associated with each type of provider. America Home Mortgage Corporation, Inc. does not control the fees associated with these providers and the fees are subject to change without notice to us. At settlement you will receive a HUD-1 or HUD-1A showing which providers were used and the exact fee you have a question regarding any of the services or costs associated with these providers, please contact your loan SERVICE PROVIDERS ESTIMATESA ppraisal Services (fees are based on the type of property being appraised)FISERV Range of CostsPVC MURCOR Appraisal Service$ - $ Insurance Services (fees are based on the loan and / or purchase amount)Chicago Title Insurance Co.

6 Range of CostsStewart Title Insurance Co.$ - $ American Title Insurance Services (fees are based on the loan and/or purchase amount)Chicago Title Insurance Co. Range of CostsStewart Title Insurance Co.$ - Land Title Insurance American Title Insurance Reporting Agencies (fee are based on the number of reports required)Credit Data Reporting of CostsEvergreen Credit Reporting Inc.$ Mortgage Insurance (fees are based on the loan amount and LTV)Mortgage Guaranty Insurance of CostsPMI Mortgage Insurance Co.$ - $ (SEE GOOD FAITH ESTIMATE AND TRUTH AND LENDING disclosures )Borrower:_____Date:_____Co- Borrower:_____Date:_____2 INFORMATION DISCLOSUREAUTHORIZATION AND CONSENTWe hereby give our consent to have America Home Mortgage Corporation, Inc.

7 Or any lender, investor, or credit reporting agency which it may designate, to obtain any and all information concerning our employment, checking/savings accounts, obligations, and all other credit matters which they may require in connection with our application for a mortgage , I/We hereby authorize you to release such information concerning:- Employment History, Dates, Position, Income, Hours Worked, Banking and Savings Account Records- Mortgage Loan Rating (Opening Date, High Credit, Payment Amount, Loan Balance, Payment Record, And Maturity Date).- Any Information Deemed Necessary In Connection With A Consumer Credit Report For A Real Estate Secured information is for the confidential use in compiling a mortgage loan credit report for a residential loan photographic copy or carbon copy of this authorization may be deemed to be the equivalent of the original and may be used as a duplicate prompt reply will help as my real estate transaction is you,Borrower:_____Date:_____Co- Borrower:_____Date.

8 _____3 EQUAL CREDIT OPPORTUNITY ACTNOTICE TO APPLICANTThe FEDERAL EQUAL CREDIT OPPORTUNITY ACT prohibits creditors from discrimination against credit applicants on the basis of RACE, COLOR, RELIGION, SEX, MARITAL STATUS, AGE, (provided that the applicants has the capacity to enter into a binding contract): because all or part of the applicant s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consume credit protection act. The federal agencies that administer compliance with the law concerning this creditor are the federal trade commission, housing and urban development, and federal home received from alimony, child support, or separate maintenance need not be revealed unless you choose to rely on such sources to have it considered as a basis for repaying this obligation.

9 Income from these sources as well as any other source, including part time or temporary employment will not be discounted by the lender because of your sex or marital status; however, the lender will consider carefully the stability and probable continuity of all income you should be aware that the signing of any application or related documents in connection with their request for a loan, under no circumstances constitutes a firm commitment of contract between applicant and America Home Mortgage Corporation, Inc., to grant this loan. Applicant realizes that unless the loan application rate and program is locked, the terms and conditions may be changed at any time prior to loan approval due to underwriting, market conditions, and investor requirements.

10 All rate locks are subject to their specific underwriting the event that America Home Mortgage Corporation, Inc. turns down this loan application Applicant will be notified by written notification with an America Home Mortgage Corporation, Inc. for any reason broker this loan application to an outsideInvestor/Lender for funding, the costs listed on the Good Faith Estimate may be paid partially to America Home Mortgage Corporation, Inc., and partially to the other Investor/ Lender. Those items specifically affected would be costs of loan origination, discount, credit report, appraisal, inspection, commitment, documents, processing, underwriting and possibly other costs associated with the mortgage :_____Date:_____Co- Borrower:_____Date.