90-18 Attachment - 89 Watchung Avenue-Mortgage Subordination Application Docs.pdf

Loan#: 3396829564 Date: 01/09/2018 Certification & Authorization Certification The undersigned certify the following: 1, We have applied for a mortgage loan from Quicken Loans Inc. ("Lender"). In applying for the loan, lAve 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 Awe omit any pertinent information. 2. We understand and agree that Lender 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, \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 Pode; Section 1014s Authorization to Release Information To Whom It May Concern: 1. We have applied for a mortgage loan from Lender. As part of the application process, Lender may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control process. I/We understand that any misrepresentations discovered during the application process, and thereafter, may be reported or shared with law enforcement or fraud alert databases. 2. We authorize you to provide to Lender, and to any investor to whom Lender may transfer my/our mortgage loan to, any and all information and documentation that they request. Such information includes, but is not limited lo, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns. This authorization also applies to proof of homeowner's insurance coverage and requests for payoff statements from my/our current mortgage lender/bank even if such requests are from the title company performing the closing/settlement of my/our mortgage loan with Lender. 3. Lender or any investor that purchases the mortgage may address this authorization to any party named in the lean

itle company performing the closing/settlement of my/our mortgage loan with Lender. 3. Lender or any investor that purchases the mortgage may address this authorization to any party named in the lean application or disclosed by any consumer credit reporting agency or similar source. 4. If applicable, We request that my/our second mortgage loan be subordinated to the new refinanced first mortgage with Lender. We authorize the release of any information, either verbally or written, in order to process the subordination request. §. If applicable, We authorize the release of any information to my/our current mortgage lender/bank if necessary to obtain a payoff statement or aid in the negotiation of reduced or modified payoff terms. 6. We authorize release of any information to other borrowers on the application for this mortgage loan. 7. We release and agree to hold Lender and any investor that purchases my/our mortgage harmless from any liability that may arise from verifying information contained in my/our loan application or for any reporting of misrepresentations discovered during the application process or thereafter. 8. A copy of this authorization may be accepted as an original and this authorization may be electronically signed in place of a handwritten signature. NOTICE TO BORROWERS: This notice to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another a Agency or Department without your consent except as required or permitted by law. — 1/9/2019 Sydel] Mejia Dale pate Date Date O01