Estimated Value

If purchase, proposed purchase price

Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

SECTION III.  BORROWER INFORMATION
BORROWER
First Name	Initial	Last Name (indicate Jr. or Sr. if applicable)
Social Security Number	Home Phone	Age	Yrs. School
Married   Separated   Unmarried (include single, divorced, widowed)
Dependents (not listed by Co-Borrower):        Number:    Ages:

E-mail Address (optional)
Present Address (street, city, state, ZIP)        Own       Rent      No. of years:
CO-BORROWER
First Name	Initial	Last Name (indicate Jr. or Sr. if applicable)
Social Security Number	Home Phone	Age	Yrs. School

Married   Separated   Unmarried (include single, divorced, widowed)

Dependents (not listed by Borrower):            Number:     Ages:     Is Present Address same as Borrower?  Yes  No If Yes, do not complete Present Address section below.

Present Address (Street, City, State, Zip)            Own       Rent      No. of years:

SECTION IV.  EMPLOYMENT INFORMATION
BORROWER
Employer Name	Self Employed	Yrs on this job	Yrs Employed in  this line of work
	Yes  No
Employer Address (street, city, state, ZIP)
Position/Title/Type of Business		Business Phone

CO-BORROWER
Employer Name	Self Employed	Yrs on this job	Yrs Employed in  this line of work
	Yes  No
Employer Address (Street, City, State, Zip)
Position/Title/Type of Business		Business Phone

SECTION V.   MONTHLY INCOME & COMBINED HOUSING EXPENSE INFO

Gross Monthly Income    Borrower    CO-Borrower    Combined Monthly Housing Expenses           Employee Income                                Rent  Overtime            1st Mortgage (P&I)  Bonuses      Other Financing (P&I) Commissions             Hazard Insurance Dividends/Interest             Real Estate Taxes Net Rental Income         Mortgage Insurance Other          Homeowners Dues Total                              Total

Describe other income: Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or CO-Borrower (C) does not choose to have it considered for repaying the loan.

B/C Description Monthly Amount

SECTION VI.  ASSETS AND LIABILITIES

This statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the statement can be meaningfully and fairly presented on a combined basis; otherwise separate statements and schedules are required.  If the CO-Borrower section was completed about a spouse, this statement and supporting schedules must be completed about the spouse also. Completed:   Jointly  Not Jointly

Assets

Name of Credit Union, Bank, S&L, etc.  Cash or Market Value Subtotal Liquid Assets

Real Estate owned (enter market value from schedule of real estate owned)  Vested interest in retirement fund Total Value Total Stocks, Bonds, and Mutual Funds Total Value Other Assets Total Value Total Assets Liabilities     Name of Company or Creditor Monthly Pmt Unpaid Balance     Alimony/Child Support/Separate Maintenance Payments Owed to:  Amount Total Liabilities Payments Total Liabilities Net Worth

SCHEDULE OF REAL ESTATE OWNED
Property Address (enter S if sold, PS if pending sale, or R if rental, in the next box )		Property Type	Present Market Value	Amt. of Mortgages	Monthly Gross Rental Income	Monthly Mortgage Payments	Monthly Insurance, Maint., Taxes & Misc.	Net Rental Income
		Totals $
DECLARATIONS
If you answer "Yes" to any questions a. through m. (except question j.), please use the continuation sheet for explanation.

		Borrower	CO-Borrower
a. Are there any outstanding judgments against you?		Yes No	Yes No
b. Have you been declared bankrupt within the last 7 years?		Yes No	Yes No
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?		Yes No	Yes No
d. Are you party to a lawsuit?		Yes No	Yes No
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure or judgment? (this includes such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee).  If "Yes", provide details including date, name and address of lender, FHA or VA case number, if any, and reasons for the action.		Yes No	Yes No
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?  If "Yes", give details as described in the preceding question.		Yes No	Yes No
g. Are you obligated to pay alimony, child support, or separate maintenance?		Yes No	Yes No
h. Is any part of the down payment borrowed?		Yes No	Yes No
i. Are you a co-maker or endorser on a note?		Yes No	Yes No
j. Are you a US citizen?		Yes No	Yes No
k. Are you a permanent resident alien?		Yes No	Yes No
l. Do you intend to occupy the property as your primary residence?  If "Yes", complete question "M" below.		Yes No	Yes No
m. Have you had ownership interest in a property in the last 3 years?		Yes No	Yes No

(1) What type of property did you own - Principal residence (PR), second home (SH), or investment property (IP)?
(2) How did you hold title in the home - solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

Continuation sheet: Use this area for any questions a. through m. (above) that are answered "Yes".  You may also include other relevant information in terms of this application.  Also include your current e-mail address. Thank you. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor Star One's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.  You are not required to furnish this information, but are encouraged to do so.  The law provides that Star One may neither discriminate on the basis of this information, nor on whether you choose to furnish it.  However, if you choose not to furnish it, under Federal regulations Star One is required to note race and sex on the basis of visual observation or surname.  If you do not wish to furnish the information, please check the appropriate box below. (Star One must review the below material to assure that the disclosures satisfy all requirements to which Star One is subject under applicable state law for the particular type of loan applied for). Applicant Co-Applicant Female  Male Female  Male I do not wish to furnish this information I do not wish to furnish this information American Indian or Alaskan Native American Indian or Alaskan Native Asian or Pacific Islander Asian or Pacific Islander White, not of Hispanic Origin White, not of Hispanic Origin Black, not of Hispanic Origin Black, not of Hispanic Origin Hispanic Hispanic Other   Other

Dear Applicant, Thank you for applying for a Star One Credit Union home loan. Please return the following items to Star One as soon as possible. 1.  Payment of $450 to Star One. Please select one of the payment options below:   Please Withdraw  $450.00 from my Star One  Checking Account   Savings Account    I will send a check in the amount of $450.00 to: Real Estate Loan Processing, Star One Credit Union, P.O. Box 3643 Sunnyvale CA 94088-3643  ($375.00 is a non refundable fee for the appraisal; this amount may vary, depending upon your property and the type of loan. The other $75.00 is an application fee, which is refundable at the time your loan closes. Payment of $75.00 must be received to process your application. If your loan does not close for any reason, the fee will be retained by Star One.)  Please note that there will be additional charges for this loan: Title insurance, escrow, prepaid interest and other closing costs. An estimate of your closing costs will be mailed to you in the next three business days.  2.   We can recommend a title and/or escrow company and escrow officer, but if you would prefer, you may select your own. I will use the Star One recommended title and/or escrow company and escrow officer. I would prefer to use my own. The name of the title and/or escrow company is   The telephone number is   The escrow officer is       3. Your most recent paycheck stub(s).  Please fax to (408) 543-5203, or mail to Star One Credit Union PO Box 3643, Sunnyvale CA 94088-3643, attention "Real Estate Loan Processing."  4. A copy of your homeowner's insurance policy declaration page.  Please fax it to (408) 543-5203, or mail to Star One Credit Union PO Box 3643, Sunnyvale CA 94088-3643, attention "Real Estate Loan Processing".  Homeowner's insurance coverage must be equal to the replacement value of the improvements or the loan balance, whichever is less.  We cannot require you to maintain hazard insurance in excess of the value of the improvements. Star One will provide an estimate of costs within 3 business days of the receipt of this application. Typically you'll have access to funds in 4 to 6 weeks. You