Qualify Letter

FIRST HOME MORTGAGE

8638 Veterans Highway, #300

Millersville, Maryland 21108

Phone: 410-729-1025

Fax: 410-729-1026

December 26, 2010

Century 21/The Real Estate Centre

Gary Hoffer

Ref: John Smith

Property Address: 3008 Leaf Dr. Pasadena MD 21122

FHA Case Number 241-0000000

Sales Price:$232,000

Mr. Smith has been pre-approved for a FHA 203b with repair escrow mortgage with a loan amount of $229,000 and $3,286.00 repair escrow as stated in the sales contract. This pre-approval is based on information disclosed in a loan application and a tri-merged credit report has been reviewed. The borrowers information has been underwritten by the FHA desktop underwriting system and received an approval. Settlement will occur in a timely manner.

This letter is not to be construed as a commitment letter as a commitment will be issued once all information has been verified and a satisfactory appraisal has been reviewed. Should you have any questions please feel free to contact me. Serving the real estate industry is our number one goal at First Home Mortgage.

Sincerely,

Michael B. Taylor,

Branch Manager

Cellular: 410-591-9397

Email: mtaylor@gofirsthome.com