BORROWER'S CERTIFICATION AND AUTHORIZATION

1. I/We have applied for a mortgage loan from Quality Mortgage Group, INC. In applying for that 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 pertinent information.

2. I/We understand and agree that Quality Mortgage Group, INC. 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.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:

1. I/We have applied for a mortgage loan through Quality Mortgage Group, INC. As part of the application process, Quality Mortgage Group, INC. , or any of its investors and the mortgage guaranty insurer (if any) 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 program.

2. I/We authorize you to provide Quality Mortgage Group, INC., or to any investor to whom my mortgage may be sold to, and the mortgage guaranty insurer (if any), 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 balance(s); credit history; and copies of income tax returns.

3. Quality Mortgage Group, INC., or any investor that purchases the mortgage, may forward this authorization to any party named in the loan application and all such parties may rely on this authorization

4. A copy of this authorization may be accepted as an original.

I (we) hereby certify that on _______________, I (we) issued oral authorization for ______________________ to obtain a consumer report and my (our) consumer report(s) was (were) obtained by ________________________ on _______________________.

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Borrower’s Signature Borrower’s        Printed Name                                               Date

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Co-Borrower’s Signature                        Co-Borrower’s Printed Name                  Date