CERTIFICATE

Entitles the Bearer to a
FREE APPRAISAL
($300.00 value)
for a Purchase or Refinance
Mortgage Loan with
Home Loan Funding Corp.

Borrower shall be credited
the entire cost of the
appraisal at closing.

Mortgage application must be
received before Nov. 30, 2001.
Loan must close prior to Jan. 1, 2002.
Loan amount must exceed $125,000 for full credit.

Borrower ____________________________________

Co-Borrower _________________________________

Property Address _____________________________

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