NOTICE
I/We hereby acknowledge my/our understanding that the above fees shown are not refundable. The processing fee will be credited upon closing of my/our loan towards my/our closing cost. In the event the loan does not close the fee will be used for processing expenses. Furthermore, I/We have been informed that in the event of my/our cancellation, this does not alter the aforementioned:

AUTHORIZATION TO RELEASE INFORMATION

By submitting this payment, I/we hereby authorize AMC-America’s Mortgage Company to verify my past and present employment earnings records, bank accounts, stock holdings, and any other asset balances needed to process my mortgage loan application. I further authorize AMC-America’s Mortgage Company to order a consumer credit report and verify other credit information including past and present mortgage and landlord references. It is understood that a photocopy of this form will also serve as authorization.

The information obtained is only to be used in the processing of my application for mortgage loan.

I/We authorize you to provide to AMC-America’s Mortgage Company, and to any investor to whom AMC-America’s Mortgage Company may sell my mortgage, any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns.

AMC-America’s Mortgage Company or any investor that purchases the mortgage may address this authorization to any party named in the loan application.

Privacy Act Notice: The information to be obtained will be used by the lender and any federal agency insuring, guaranteeing or purchasing the mortgage to determine whether you qualify as a prospective borrower under the lender’s and the agency’s underwriting standards. The information will not be disclosed outside the lender and the federal agency without your consent except to the person or company verifying the information including, by not limited to, your employer, bank, lender and any other credit reference as needed to verify other credit information and as permitted by law. You do not have to give us this information, but if you do not your mortgage loan application may be delayed or rejected. The information is authorized by Title 38, U.S.C., Chapter 37 (if VA) : and 12 U.S.C., section 1701 et sea. (if HUD/FHA)


CERTIFICATION FOR ALTERNATIVE DOCUMENTATION PROGRAMS

By submitting this payment, the undersigned certify the following:
1. I/We have applied for a mortgage loan from AMC-America’s Mortgage Company. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information.

2. I/We understand and agree that AMC-America’s Mortgage Company reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution.

3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.