>> Annual Client Review

My commitment to you was to have annual client reviews in order for you to stay informed regarding market conditions and for you to communicate any changes in your world during the prior year. This promise was to make sure your loan was the best product for you when we did it and allow us to make changes when needed. The goal of this review is to discuss your current property profile, your current credit profile, your mortgage and your current financial goals. Given today’s economic challenges I am concerned about the market value of your property, your escrow account, your property insurance and identity theft. You can help me completing this brief questionnaire prior to our annual review. After I review this questionnaire I will make sure your current loan is the best option for you. We must take into consideration your long and short term financial and investment goals as well as your payment and equity objectives. During our review, we will outline your goals, analyze your current financial plan and then recommend several different strategies that will enable you to achieve your goals.

1. What is your current loan balance? ___ _____ What is your current interest rate and when will it adjust if it is an adjustable? ________________________ Please fax or email a current payment coupon with the questionnaire. (back and front)

2. What do you think the value of your home is? ___________________

3. How long do you plan to live in or own this house? ______________________________________

4. Realistically, how much do you expect your household income to increase or decrease (please circle) in the next: 2 years? _________________ 5 years? _________________

5. Do you foresee incurring other financial obligations within the next 5 years, such as …

A new car? Yes___ No___ Change in work time? (Switch to part time) Yes___ No___

A new baby? Yes___ No___ College Expense? Yes ___No___

Other: __________________________________

6. Which of the following personal goals are most important to you? Please rank in order of importance to you with 1 being the most important and 7 being the least important.

a. _____ Building your net worth

b. _____ Moving to a larger home within ____ years

c. _____ Having your mortgage paid off when you retire in _____ years

d. _____ Achieving financial freedom

e. _____ Saving money to send kids to college

f. _____ Investing in the stock market

g. _____ Other

7. What is most important about a new mortgage to you? Please rank in order of importance to you with 1 being the most important and 8 being the least important.

a. _____ Lowest payment e. _____ Maximize tax benefits

b. _____ Lowest closing costs f. _____ Paying the loan ASAP

c. _____ Improve credit history g. _____ Lowest down payment

d. _____ Eliminating other debt h _____ Other

8. What mortgage payment do you feel comfortable making? __________________________

a. My current mortgage payment is $______________ per month.

b. Does you current payment include property taxes and insurance? ________________

9. How would you best describe your financial philosophy?

_____ Conservative _____ Moderate risk taker _____ Risk taker

Do you work with a financial planner? ____How do you rate him/her? ___Excellent ___Good ___Average

Do you work with a stockbroker? ____ How do you rate him/her? ___Excellent ____Good ___Average

Do you work with a life insurance agent? ____ How do you rate him/her? ___Excellent ___Good ___Average

10. Do you have a tax deferred retirement plan at work? _________________________

a. Do you participate in that plan? _____ If yes, do you maximize your contribution? _________________

11. Have you put a will _____ in place or established a living trust _____ to protect your family’s assets in the event of something happening you? If so, how would you rate your attorney? ___Excellent ___Good ___Average

12. Has your credit profile changed in the last year? ___________________________________________

Comments:

Thank you for taking the time to answer these questions.

Name________________________________Name___________________________________

Address______________________________City____________State_____Zip________

Phone________________________ Email________________________

1^st Mortgage Balance $_____________Rate_____% Years Left To Pay_______

Payment $_________(without taxes and insurance)

2^nd Mortgage Balance $____________Rate_____% Years Left To Pay_______

Payment $_________

I hereby authorize First Trust Mortgage to obtain a copy of my credit report from a

Credit reporting agency. By providing First Trust Mortgage your social security number

you are authorizing them to obtain your credit report.

___________________________ ________________________________

Signature Signature

___________________________ _________________________________

Social Security Number Social Security Number