Subject: FW: New Initial Disclosure

Attachments: CERTIFICATION OF NO NEW CREDIT.pdf

The Certification of No New Credit disclosure is now an Initial Disclosure requirement for all files submitted January 11^th and later. If you have a loan submitted (on or after January 11^th) that does not contain this form, please forward it to the LO, or Processor, for completion and signing by borrower. This will not be moved to a PTF.

· Certification of No New Credit disclosure

Thanks. Let me know if you have any questions.

J. Whitney Barth

VP Operations

Gateway Mortgage Group LLC

972.908.3390 x101 p

918.392.8336 f

1/10/2011

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