Borrower/Guarantor's Certification   Authorization

Loan #:

CERTIFICATION - The undersigned certify the following:
I/We have applied for a commercial loan from the (Lender),

In applying for the loan, I/We have or will complete a loan application containing various information on the purpose of the loan, employment, property, land, taxes and income information, and assets and liabilities. I/We certify that all the information provided is true and complete. I/We made no misrepresentation on the loan application or any other documents, nor did I/we omit any pertinent information that is relevant to this loan.

I/We understand and agree that the Lender reserves the right to verify the information we have provided on the application with my employer, court, my business and/or any financial institution.

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 a mortgage loan, as applicable under the provisions of Title 18, United States Code, and Section 1014.

AUTHORIZATION TO RELEASE INFORMATION

To Whom It May Concern:
I/We have applied for a loan/financing/mortgage from: through their application process and the Lender may verify any information contained in my/our loan application and in other documents required in connection with the loan. It may be verified either before the loan is closed or at the time of the Lender's quality control process.

I/We authorize you to provide to the Lender listed above, the Lender's investors to whom the Lendermay sell my mortgage loan, to provide any and all documents that they request. Such information includes, but is not limited to, employment history, income; bank, money market accounts, personal taxreturns, property information and similar account balances; this may also include my credit history; andcopies of my business and corporate income tax returns.

The Lender, or any other investor that purchases the mortgage loan, may address this authorization to any party named in the application. Each principal partner must complete a copy of this form and sign it, if you are signing for the loan as a individual or as a company.

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

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Why Henry Munoz For Your Real Estate Financing, Listing Or Purchase Transactions

 Henry Munoz is a California Department of Real Estate licensed Real Estate Broker and Loan Officer.He has exceptional reputation as a Hard Money / Soft Money Private Money Lender in Torrance,California and  built on his capability to provide quick financing solutions for borrowers. Henry has  23  of years in residential, commercial, and business purpose loans secured by real estate, He is able to process your loan application quickly and give quick answers once the  property has been reviewed  to include a Title report and borrower information received.Fast answers usually usually 2-5 days.

Henry also holds a Los Angeles County Legal Document Assistant Registration which is a independent practicing paralegal.This come in handy when there are legal and title issues with a property.In order to obtain this registration,you must have completed a  accredited program in paralegal studies.In addition having and active bond.

As a Broker,he has acess to private and institutional lenders that are not be availble to the general public.Most loans are based on the value of the property and the loan to value.

Typically an asset based loan does not require exhaustive financial evaluation of the borrower.I welcome loans turned down by Banks and other Lenders.

Call Henry Munoz direct at 310-975-9739

For consumer residential loans- www.Hmrealestateloans.com

For consumer reverse mortgages also known as home equity conversion mortgage. www.reversemortgage-hecm.com

Don't trust your financing,purchasing or listing needs to a inexperienced loan officer or salesperson/agent

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