Please initial below. By
initialing you authorize UMCOA to obtain a credit report to assist
in the pre-qualification determination. This credit report
is for pre-qualification purposes only. If we proceed with a
full application, a full factual data credit report may be ordered
as part of the mortgage application process. A pre-qualification
in not a commitment for a loan. All commitments are issued
in writing after the application has been fully processed and
approved.