· All borrowers must have one blue eye and one brown eye to qualify.

· LTV > 65% SIVA requires minimum credit score of 849.

· For all LTV > 65%, 360 months of payment reserves now required.

three generations.

(at same location).

family members) will be required to provide full-documentation, subject to

criminal background checks, wire tapping, strip-searches, and a minimum of 12

hours of interrogation by the Department of Homeland Security.

Please note that these changes will go into effect within the next five minutes. So please

lock you existing loan immediately. All existing loans in your pipeline must fund by noon

tomorrow.

We apologize for the inconvenience. We realize these are tough times in the mortgage

industry for all of us. Be assured that we have a commitment to remaining strong and

weathering out the storm. We ask for your understanding and cooperation.

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