***Revised September 28, 2004***

**LAPP**(LENDER APPRAISAL PROCESSING PROGRAM) allows the lender, not VA,
to process the appraisal and expedite the loan process.

[LAPP LENDERS ACTIVE IN NEW ENGLAND & NEW YORK]{.underline}

Note: the veteran may contact any lender of his or her choice. In fact
we encourage that two or more lenders be contacted to compare lender
response concerning interest rates, closing costs, processing times,
etc. The following lenders have applied for, received and are using LAPP
authority in New England & New York. Area of coverage and a phone number
are included. This usually results in faster appraisal processing time.
This is not a complete listing of VA approved lenders.

+---------------------------------+-----------------+-----------------+
| ## LENDER                       | **Coverage in   | #               |
|                                 | New England**   | ## Phone Number |
+---------------------------------+-----------------+-----------------+
| ACCUBANC MORTGAGE CORP.         | MA, ME, NH      | 800 994-1700    |
+---------------------------------+-----------------+-----------------+
| ALLIED HOME MORTGAGE CORP.      | MA,ME,NH        | 877 472-5626    |
+---------------------------------+-----------------+-----------------+
| AMERICAN HOME MORTGAGE          | All New England | 800-303-9257    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| AMERICAN MORTGAGE NETWORK, INC. | All New England | 888 373-3974    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| BANK OF NEW YORK (THE)          | CT & NY         | 800-677-9000    |
+---------------------------------+-----------------+-----------------+
| BANKNORTH                       | CT, MA,ME,NH,   | 800 462-3666    |
|                                 | VT & NY         |                 |
+---------------------------------+-----------------+-----------------+
| BEACON MORTGAGE CO.             | CT;MA;ME;NH;VT  | 800 485-7430    |
+---------------------------------+-----------------+-----------------+
| CENTRAL PACIFIC MORTGAGE CO.    | RI              | 401 732-2100    |
| DBA                             |                 |                 |
|                                 |                 |                 |
| NEW ENGALND PACIFIC             |                 |                 |
+---------------------------------+-----------------+-----------------+
| CHARTER ONE MORTGAGE            | NY              | 800 234-6002    |
+---------------------------------+-----------------+-----------------+
| CHASE HOME FINANCE              | All New England | 800 873-6577    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| CITIMORTGAGE                    | All New England | 800-667-8484    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| CITIZENS MORTGAGE CORP.         | All New England | 800 622-1130    |
+---------------------------------+-----------------+-----------------+
| COASTAL CAPITAL                 | NY              | 800 640-0100    |
+---------------------------------+-----------------+-----------------+
| COMMONFUND MORTGAGE             | NY              | 800 724-7748    |
+---------------------------------+-----------------+-----------------+
| CORINTHIAN MORTGAGE CORP        | All New England | 800-365-2779    |
+---------------------------------+-----------------+-----------------+
| COUNTRYWIDE HOME LOANS, INC.    | All New England | 800 556-9568    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| CRESCENT MORTGAGE SERVICES      | All New England | 800 554-7600    |
+---------------------------------+-----------------+-----------------+
| DEVERE CAPITAL CORP.            | NY              | 888-433-8373    |
+---------------------------------+-----------------+-----------------+
| DOWNEAST MORTGAGE CORP.         | MA, ME, & NH    | 800 493-5466    |
+---------------------------------+-----------------+-----------------+
| EQUITY ONE, INC.                | All New England | 888 227-4313    |
+---------------------------------+-----------------+-----------------+
| FIRST HORIZON HOME LOANS        | All New England | 800-810-2161    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| FIRST MAGNUS FINANCIAL CORP.    | MA, NH          | 877-625-5551    |
| DBA MORTGAGE CONCEPTS           |                 |                 |
+---------------------------------+-----------------+-----------------+
| FIRST NIAGARA BANK              | NY              | 800 201-6621    |
+---------------------------------+-----------------+-----------------+
| FIRST PRIORITY                  | NY              | 716 651-LOAN    |
+---------------------------------+-----------------+-----------------+
| FRANKLIN SAVINGS BANK           | NH              | 800-414-2568    |
+---------------------------------+-----------------+-----------------+
| GMAC MORTGAGE CORP              | All New England | 800 888-GMAC    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| GRANITE BANK DBA OCEAN          | NH, Part of ME  | 800-639-2132    |
| NAITIONAL BANK                  |                 |                 |
+---------------------------------+-----------------+-----------------+
| GREYLOCK FEDERAL CREDIT UNION   | WESTERN MA      | 800 207-5555    |
+---------------------------------+-----------------+-----------------+
| GUARANTY RESIDENTIAL LENDING    | CT, MA, NH, RI  | 800-955-4542    |
+---------------------------------+-----------------+-----------------+
| HOME FUNDING FINDERS            | NY              | 800-444-6313    |
+---------------------------------+-----------------+-----------------+
| HOMESTEAD FINANCIAL SERVICES    | NY              | 800-343-8979 in |
|                                 |                 | NY              |
|                                 |                 |                 |
|                                 |                 | 800-724-7047    |
|                                 |                 | out NY          |
+---------------------------------+-----------------+-----------------+
| HOMESTEAD FUNDING CORP.         | CT, MA,MME. NH  | 800-536-3223    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| HSBC MORTGAGE CORP.             | All New England | 800-338-4626    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| IRWIN MORTGAGE                  | CT;ME;MA;NH;RI  | 800675-8065     |
+---------------------------------+-----------------+-----------------+
| IVY MORTGAGE CORPORATION (SIB   | All New England | 800-999-2489    |
| MTG)                            | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| KENNEBUNK SAVINGS BANK          | ME & NH         | 800 339-6573    |
+---------------------------------+-----------------+-----------------+
| KEYCORP MORTGAGE                | ME, NH, NY & VT | 800 487-8334    |
+---------------------------------+-----------------+-----------------+
| LACONIA SAVINGS BANK            | NH              | 800 832-0912    |
+---------------------------------+-----------------+-----------------+
| M & T MORTGAGE CORP.            | All New England | 800 726-5626    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| MCCUE MORTGAGE                  | CT              | 800 382-0017    |
+---------------------------------+-----------------+-----------------+
| MORTGAGE ACCESS CORP DBA        | All New England | 800-829-2274    |
| WEICHART                        |                 |                 |
+---------------------------------+-----------------+-----------------+
| MORTGAGE IT, INC.               | NY & NE         | 212 651-7700    |
+---------------------------------+-----------------+-----------------+
| MORTGAGE SERVICE CENTER of NE   | CT, MA, NH, VT  | 800 447-1872    |
+---------------------------------+-----------------+-----------------+
| NATIONAL CITY MORTGAGE          | MA, NH & NY     | 800 367-9305    |
+---------------------------------+-----------------+-----------------+
| NAVY FEDERAL CREDIT UNION       | All New England | 800 368-3657    |
+---------------------------------+-----------------+-----------------+
| NE MOVES MORTGAGE               | All New England | 800793-5626     |
+---------------------------------+-----------------+-----------------+
| NORTHWEST SAVINGS BANK          | Western NY      | 877-672-5678    |
+---------------------------------+-----------------+-----------------+
| NOTHNAGLE HOME SECURITIES       | Western NY      | 585 461-4110    |
+---------------------------------+-----------------+-----------------+
| NVR MORTGAGE CORP.              | Western NY      | 800 926-9966    |
+---------------------------------+-----------------+-----------------+
| OLYMPIA MORTGAGE                | NY              | 800 888-5280    |
+---------------------------------+-----------------+-----------------+
| PEOPLE\'S MORTGAGE CORPORATION  | New England     | 800-865-8654    |
+---------------------------------+-----------------+-----------------+
| PHH MORTGAGE SERVICES, INC./    | All New England | 800 446-0963    |
| CENDANT                         | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| PINNACLE FINANCIAL CORP.        | RI              | 800 421-5626    |
+---------------------------------+-----------------+-----------------+
| PLYMOUTH SAVINGS BANK           | New England     | 800 234-7820    |
+---------------------------------+-----------------+-----------------+
| REPUBLIC BANK                   | All New England | 800 882-9125    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| RESIDENTIAL MORTGAGE SERVICES   | ME & NH         | 800-640-0753    |
+---------------------------------+-----------------+-----------------+
| SALEM FIVE MORTGAGE CORP.       | MA, ME, NH      | 800 472-5365    |
+---------------------------------+-----------------+-----------------+
| SAVINGS BANK OF THE FINGER      | Western NY      | 800 861-0120    |
| LAKES DBA FIRST NIAGARA         |                 |                 |
+---------------------------------+-----------------+-----------------+
| SCHAEFER MORTGAGE CORP.         | NH, VT          | 800 367-3778    |
+---------------------------------+-----------------+-----------------+
| ST. MARY'S BANK                 | NH              | 800 950-8850    |
+---------------------------------+-----------------+-----------------+
| STONEBRDIGE MORTGAGE            | MA              | 800-9845-2321   |
+---------------------------------+-----------------+-----------------+
| STONEHAM (MA) CO-OPERATIVE BANK | MA, NH, RI      | 781-438-0430    |
+---------------------------------+-----------------+-----------------+
| THE BANK OF NEW YORK MORTGAGE   | NY              | 914 899-6581    |
| CORP.                           |                 |                 |
+---------------------------------+-----------------+-----------------+
| THE WARWICK SAVINGS BANK        | NY              | 845 986-2206    |
+---------------------------------+-----------------+-----------------+
| UNIVERSAL MORTGAGE CORP.        | MA, RI          | 800 385-0112    |
+---------------------------------+-----------------+-----------------+
| WACHOVIA MORTGAGE CORP.         | All NE, NY      | 800 240-3862    |
+---------------------------------+-----------------+-----------------+
| WATERFIELD FINANCIAL CORP.      | MA, RI          | 800 932-6843    |
+---------------------------------+-----------------+-----------------+
| WEBSTER BANK                    | All New England | 888 681-7788    |
+---------------------------------+-----------------+-----------------+
| WELLS FARGO MORTGAGE CORP.      | All New England | 800 964-2226    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+