Form Hud-92900-A - Hud/va Addendum To Uniform Residential Loan Application Page 3

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Direct Endorsement Approval for a HUD/FHA-Insured Mortgage

U.S. Department of Housing

and Urban Development

Part I - Identifying Information

2. Agency Case No. (include any suffix) 3. Lender’s Case No.

4. Section of the Act

(mark the type of application)

(for HUD cases)

HUD/FHA

Application for Insurance

under the National Housing Act

7. Loan Amount (include the UFMIP)

8. Interest Rate

9. Proposed Maturity

Borrower's Name & Present Address

(Include zip code)

yrs.

mos.

10. Discount Amount 11. Amount of Up Front 12a.Amount of Monthly 12b. Term of Monthly

(only if borrower is

Premium

Property Address

(including name of subdivision, lot & block no. & zip code)

permitted to pay)

/ mo.

months

13. Lender's I.D. Code

14. Sponsor / Agent I.D. Code

16. Name & Address of Sponsor / Agent

Lender's Name & Address

15.

(include zip code)

Lender's Telephone Number

17.

Type or Print all entries clearly

Sponsored

Name of Loan Origination Company

Tax ID of Loan Origination Company

NMLS ID of Loan Origination Company

Originations

Approved: Approved subject to the additional conditions stated below, if any.

Date Mortgage Approved

Date Approval Expires

Modified &

Loan Amount (include UFMIP) Interest Rate Proposed Maturity

Monthly Payment

Amount of

Amount of Monthly

Term of Monthly

Up Front Premium

Premium

Approved

Yrs.

Mos $

months

as follows:

Additional Conditions:

If this is proposed construction, the builder has certified compliance with HUD requirements on form HUD-92541.

If this is new construction, the lender certifies that the property is 100% complete (both on site and off site improvements) and the

property meets HUD's minimum property standards and local building codes.

Form HUD-92544, Builder's Warranty is required.

The property has a 10-year warranty.

Owner-Occupancy Not required ( item (b) of the Borrower's Certificate does not apply).

The mortgage is a high loan-to-value ratio for non-occupant mortgagor in military.

Other: (specify)

This mortgage was rated as an “accept” or "approve" by FHA's Total Mortgage Scorecard. As such, the undersigned representative of the mortgagee

certifies to the integrity of the data supplied by the lender used to determine the quality of the loan, that a Direct Endorsement Underwriter reviewed

the appraisal (if applicable) and further certifies that this mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program.

I hereby make all certifications required for this mortgage as set forth in HUD Handbook 4000.4

Mortgagee Representative

This mortgage was rated as a “refer” by a FHA's Total Mortgage Scorecard, and/or was manually underwritten by a Direct Endorsement

underwriter. As such, the undersigned Direct Endorsement underwriter certifies that I have personally reviewed the appraisal report (if

applicable), credit application, and all associated documents and have used due diligence in underwriting this mortgage. I find that this

mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program and I hereby make all certifications required for

this mortgage as set forth in HUD Handbook 4000.4

Direct Endorsement Underwriter

DE's CHUMS ID Number

The Mortgagee, its owners, officers, employees or directors

do not have a financial interest in or a