OSKIE PROGRAM: PARTICIPATION AGREEMENT

This agreement is between Envoy Mortgage, Ltd., OSKIE, and (“Employer”) to confirm Employer’s participation in the OSKIE Program, a benefit to help employees with closing costs when buying a home through Envoy.

1. Program Overview

Envoy partners with employers to provide financial education for employees. Qualified employees receive a credit for a home purchase funded by the employer and the real estate professionals.

Employer agrees to contribute $__________ per employee (minimum $1,000), which will be added to the employee’s total.

2. What the Employer Does

Promotes the program to employees.
Shares employee interest with Envoy.
Sends the employer’s contribution at least 5 days before closing.
Contributions are nonrefundable if the loan closes.
The employer provides a closing cost contribution to the employee at closing, helping make homeownership more accessible. A $995 success fee is only paid by the employer when an employee qualifies for and successfully closes on a home through the program.

3. What the Employee Does

Completes the Certification program
Applies for a mortgage with Envoy.
Must qualify through Envoy’s standard approval process.
Can only use the program once at a time.

4. Term & Cancellation

This agreement lasts one year and renews automatically unless canceled with 30 days’ notice.
Either party may end the agreement at any time with notice. If loans are in progress, the Employer agrees to fund any previously committed contributions.

5. Privacy & Data

Both parties will keep shared information confidential.
Envoy may use non-personal group data (e.g., participation rates) for program improvement and rate negotiation.

_{All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. Applicant must complete the OSKIE certification program. Program applies to first-lien mortgage loans only. Bond loan programs are not eligible. - Envoy Mortgage, Ltd. d/b/a OSKIE #6666 (www.nmlsconsumeraccess.org) 952 Echo Lane, Suite 190, Houston, TX 77042, 877-232-2461 - www.envoymortgage.com | AK - Envoy Mortgage, Ltd. – Mortgage Broker/Lender License – License# AK6666: AR - Envoy Mortgage LTD, Banker/Broker/Servicer License #103315; AZ - Envoy Mortgage, LP, Mortgage Banker License #0908096; CA - Envoy Mortgage, L.P. – Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – License # 413 0597. CO - Envoy Mortgage, LTD. – Mortgage Company Registration – NMLS #6666; 952 Echo Lane, Suite 190, Houston, TX 77042; Phone Number (877) 232-2461 – Regulated by the Department of Real Estate and UCCC Supervised Lenders License #992232; DE - Envoy Mortgage, LP – Licensed by the Delaware State Bank Commissioner Licensed Lender Licensee – License # 011264. GA - Envoy Mortgage , LTD (LP), Georgia Residential Mortgage Licensee, Mortgage Lender License/Registration License #23619; IL - Illinois Residential Mortgage Licensee, Lender License #MB.6759338; For licensing information, go to: www.nmlsconsumeraccess.org. MA - Envoy Mortgage Ltd. – Mortgage Lender Licensee – License # MC6666 ; Mortgage Broker Licensee – License #MC6666; Third Party Loan Servicer Registration #LS6666. MS - Envoy Mortgage, Ltd., 952 Echo Lane, Suite 190, Houston, TX 77042, Mortgage Lender License # 6666; NH - Envoy Mortgage Limited Partnership, Mortgage Banker License #14552-MB; NJ - Licensed by the N.J. Department of Banking and Insurance – NMLS # 6666 – Envoy Mortgage, Limited Partnership, 952 Echo Lane, Suite 190, Houston, TX 77042– Phone #877-232-2461, Residential Mortgage Lender Licensee. NV - Envoy Mortgage, LP, 952 Echo Lane, Suite 190, Houston, TX 77042, 877-232-2461, NMLS #6666, Mortgage Company License #5050; NY - Licensed loan originators acting on behalf of Envoy Mortgage. Envoy Mortgage, Ltd. – Licensed Mortgage Banker – NYS Department of Financial Services, License #LMBC 109375; Exempt Mortgage Loan Servicer Registration #S000636; OH - Envoy Mortgage Ltd – Mortgage Lending Act Certificate Registration Law #MB.804190.000, 952 Echo Lane, Suite 190, Houston, TX 77042; OK - Envoy Mortgage LP – Mortgage Lender Licensee – License # ML002648.; OR - Envoy Mortgage Ltd. – Mortgage Lending Licensee – License # ML-3933; Mortgage Servicer License – License # MS-27; RI - Envoy Mortgage, LP – Rhode Island Licensed Lender – License # 20092627LL; Rhode Island Licensed Loan Broker – License # 20122861LB; Third-Party Loan Servicer License# 20163198LS.; TX - Envoy Mortgage Ltd. – Mortgage Banker Registration- NMLS #6666, 952 Echo Lane, Suite 190, Houston, TX 77042; VA - Envoy Mortgage, LTD, LP, NMLS ID#6666 (www.nmlsconsumeraccess.org) – Lender License and Broker License # MC3021; WA - Envoy Mortgage Ltd d/b/a Envoy Mortgage, L.P.- NMLS #6666, WA Consumer Loan Company License #CL-6666 – http://nmlsconsumeraccess.org. | Other authorized trade names: Envoy Mortgage LP; Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP)}