80A - TRANSIT CODE AND STATION DISTRICT - EXHIBIT J

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Houselrald~ All such ca-sigtrers atld co»~rtortgagors must part tl~e Hon~ebuyel''s lrouselrald acrd tn~~st 1•eside in t}~e Property, Nair-acc€zpaz~ts of the ~ro~et"ty tn.~ not et;~ a ~o~si~ers otF co-r~o~~tgaors, War may s~~clr ir~di~~duals hold title to o~~ and other property interest itr the Fropel`ty~ ~1, harried o~~ ar~~~ cpa~~a~e property. Ate ~rtd~vidual takitrg title to the ~rope~~ty as contetrrplated by this Agleemelrt is s~~bject to special r'equtrer~relrts because of alifarnia conrtrtunity prapet`ty la~vs and Faclet"al tax la~~s~ If tl~ Hon~ebu~el' is legally sepal'ate~, o~• his filed far divorce and a legal pt'aper~t~r dispositiotr at'eetnelrt exists bet~veet~ the Homebrryer and the I-~ornebuyer's spouse, qultclalrn deed f~•o~r~ the Hatneb~ryer's spouse ar~d a copy of the p~'opert,~ disposition agreement ~~ay be required by the Agency. ~ll the absence of atr existi~~g legal pt'operty dispositial~ agl'eetrtelrt bet~veex~ rile Hol~~ebuyel' and the ~otrrebu~er's spouse, as a ca~~dttlorr of approval of tl~e Harneb~tyel' Asslstat~ca Loan, a clultclaltn deed, a special agl•eer~elrt and a release of itrtel'est signed by both the ~.olrrebuye~i al~d t}re Hotrrebuyer's spouse, offer colrsuitatiotr ~vitl~ an attorney, Wray be required by the Agetrcy, Additionally, ifthe Hanrebuyer's spa~~s is to ~`es~de ~n the Property, the eon~b~ned ttrcarrre oftlre ~alnebuyer at~d tl~e Hanrebuyer's spouse must be ilrcl~~ded in the itrcalne test for eligibility atnder the Pr'agraln, 1Z~ Lrrarl Set~~icir~~ The Agency tnay co~~traet ~vitl~ air outside orgatrl~attox~ to ar"iginate a~~d ser~~ice the Homeb~~~er Assistance ~aalr. 1~, ~oxncbuy~r* Firratreirig, Tire ~on~ebuyer shall obtain First Lien prtrcl~ase tnarrey mortgage firlancitrg ~vlricix is a fixed rate acrd fully an~ol~ti~il~ loan far' its acquisitiolr of tl~e Pt+operty frarrr a tep~ltable institutional lender 1'easolrably acceptable to the Agency ~t}re `~Lelydet•"~, Tl~e Holr~ebuyer shall at all times durilig the ter;lrz of ~an~eb~t~e~~ Assistance Loan carnply ~viti~ all requiren~elrts of the Le~~de~~, including ~ltlrout lilr~itation, load rtndel'~~rrtltrg tandal'ds, tnttrlrn~~m do~v~~ payrrrelrt 1'equll'eln~nt, pr~vato trrortgae lt]S~tl'atrc~ t'ecll~lre~net~ts, }io~rlebrryer ed~~catiolr req~ziz`ements, and tax acrd ltrsurance impound requiternetrts~ ~lr addition, rrat less than three percent ~3~I~} of tl~ p~rr`ctase pace of the Propel`ty sha}1 be paid in cash froln the Homebuyer's ou~n t"esout'ces and ~~ot f~~ot~~ the proceeds of a loan sec~~~`ed by a lien on the Propel'ty, and giffs and seller concessions lna~r lrat be used to meet this reuir"elnetrt, except as otl~elT~vise permitted by tl~e Lender. The total alnat~~xt of tl~e First Lien tnor'tgage loa~~ and Harrleb~~~er As~stalrce Load ~ltr add~t~ot~ to other affordable }rousing Iaat~s or ra~rts described frr section 3,1 } shall not exceed the s~llrr oft}~c fain marl~et value of the Frop~~ty at tl~e tilde of the Hot~~ebuyet''spurelrase o~ tl~e Pr~apelty and lralr-recurr4i~xg closing casts, ll~ordirrafio~t, except as provided otl~er~vise herein, tl~e provisions of t}~~s Areelnelrt, the Notice of Affordability Restrictions, the Aetrc~? Deed of T~`tlst, and the Affordable ~a~~sirr Resale Restriction, alyd the obiiatiotrs therein, shall be suba~•dinate only to the First Lieu orr the Property held by the Lender` atrd, ifapplicable, other laatr~s} as approved by the xec~ztivo Director, including lien instruments that secul'e other harneb~ryer purchase malrey andlar da~vrrpay~nel~t asslstarlce, lncl«dttrg ~v~tholrt ltmltatlon ~lty, State of alif`orx~ia, o~~ federal affordable harrying pr'ogt'al~s, ~vhicl~ liens shall lrot impair the rights of the Lender`, or the Lender's asigl~ee ar successor in interest or the Agency, if applicab}e, to exercise their" remedies udder' the Fit"st Lien in the event of defa~zlt ~~t~de~i tl~e First Lien by the Halnebtt~e~•~ Such relrtedies under the l~'irst Lietr include the tight of foreclosltre or acceptance of a deed or sslgz~met~t In lieu of foreclosures ~f title to the Fropet•ty is trat~sfer~'ed by foreclas~~te or ATTAPt~I~NT N 11 « 12 Farm of Hon~ebuyer Loalr Agreel~ez~t 1~OCS~CI14006~3~~] 31~~~~7~-001