1. BOFI Federal Bank Tips for a Successful Loan Submission

2.  Go to www.bofilendingpartners.comwww.bofilendingpartners.com  Click on “Strategic Alliances” and then “Third Party Lending”  Click on “Wholesale and Correspondent sign in”.  Enter Username and Password.  Click on “Upload a Loan”.  Enter Loan Officer information – see screenshot on next page  Choose product.  Upload your FNMA 3.2 file.  You will receive a message” File upload successful, the new internal loan number is XXXXXX”. Getting Started

3. “Upload a File” Screenshot

4. Minimum documentation required to the move file from intake to processing status: 1.Correct/Compliant Good Faith Estimate – dated within 3 days of application. 2.Itemization of Fees/Fees worksheet. 3.IF HPML - impounds must be included 4.Initial executed disclosures dated within 3 days of application. a)All State Disclosures b)TIL c)Homeownership Counseling List/Disclosure d)Right to Receive an Appraisal Disclosure e)Borrower Authorization 5.1003 executed and dated by Loan Officer. Company and Loan Officer’s NMLS numbers on 1003. 6.1008. 7.Borrowers email addresses- required as we disclose electronically. 8.Need borrowers signature on a borrowers authorization or a 1003. Correspondent Loans require items above and the following: 1. Credit Report. a) Must be dated within 90 days. Minimum Documentation Required

5. Additional items required for Underwriting review: 1.Purchase Contract (If applicable) 2.Income and asset documentation. a)Tax Returns (Last 2 years) b)Bank Statements (Last 2 months) c)Pay stubs(1 full month) Items that can be conditioned for during the Underwriting process: 1.1003 executed and dated by borrower. 2.Executed ARM disclosure (if applicable). 3.Executed Intent to proceed or acknowledgment of GFE. 4.Executed Borrowers authorization. 5.4506-T (Borrower names, addresses and SSN numbers on the 4506T,must match their last filed taxes or it will be rejected by the IRS) Minimum Documentation Required

6. Example of Upload Screen

7.  Now click on the “ Submit My Loan” tab on the right hand side of the screen.  Enter information requested and click on “Submit Request”.  Your loan will now be in a registered status.  Intake will then review the file for compliance and necessary documentation.  If loan file is complete, the file will be moved into a processing status and be assigned to an Account Manager.  Account Manager will send an introductory email to Loan Officer and Processor. Registered Status

8.  Before submitting a loan please run a High Priced Mortgage test.  Please Note  If a loan is identified as a HPML it will require impounds.  This does not apply to second homes and investment properties.  If you need any further assistance with your loan submission please call 1-855-818-4112. High Priced Mortgage Loans