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_ ___ � <br /> , � <br /> , Settismeat Date:�ecam6er 4,2a15 Loan Number.20101510558� Fi�e Nttmbec 15-Q9-Q4 <br /> Comparison of Good Fatth Hstimafe iGFE}snd NUd Cfiaraes - <br /> Chalges ThatCannotlncrea9e HUD Line No. �ood Faith HUD <br /> Estimats <br /> Our ori ination che e #801 3 316.DH 3,Q95.84 <br /> Yout credit or cha e o2nts for 2he s ecitic Intsrest rate chosen #8Q2 -965.90 -1 106.82 <br /> Your ad usted ori ination cha es #803 2 350.18 1,889.22 <br /> 7ransfertaxes #12d3 1.30728 89925 <br /> Cl�arges Th�t in Totat Cannot Increase More'i'han 10% HUD Line No. GO�{�mat�e HUD <br /> Govemment Recordina Cha es #1201 250.00 113.5� <br /> A raisa!Fee #Sfl4 450.00 570.00 <br /> .Flood Certification #807 70.00 1�.00 <br /> BtokePs Credii Re art #866 0.00 65.31 <br /> Mort a e Insurance Premium #902 1 93520 1 93620 <br /> Total 2 646.20 2 896.0"! <br /> Increase ketween GFE end HUD Char es 44.84 1.8&°!0 <br /> Good Pafth <br /> Charges That Can Chen@e HUD Line No. HUA <br /> Estimate <br /> I Initial de osit tor our escrow account #1001 967.38 967.38 <br /> D interest cha a f�om Rec 4 5015 to Jan 9 2d#B 9d.6503 1 da far 28 de s #9Di 424.86 410.21 <br /> Momoowners Insurance #903 1 Od4.00 1,044.00 <br /> Tl�a sarvices and lender's Uf]a insurance #11�1 1,475.d0 629.8� <br /> Owner's'Fltle Insurance #11D3 800.00 574.43 <br /> �v�ys #i302 26dA0 275.D0 <br /> ILaan Terms <br /> Your int8ai toan amount Is $t i2 576.Od <br /> Your Ioan term Is 30 ars <br /> I Yaur I�ri1ai irrterest rate ts 4.75% <br /> Your Initlal monthfy amount owed tor principal,interest,and §665.07 Encludes <br /> any mortgage insurence ts [X j Pdncipa� <br /> (XJ Interast <br /> X Mort e e Insurance <br /> Gan your lntetesi rate rise7 (X J No. [ ]Yes,ft can dse to a msximum of=lo.The first changa wi0 ba on <br /> ' end can chenge agaln every aftet .Every <br /> change date,your lnYsrest rate can increase or dacrease by�%.Ovef tha life of <br /> tha laan,your intersst rate is guaranteed to never be LOWER than_„_%or <br /> tilGiiERthan %. <br /> Evan if you make payments on tlme,can ypur loan batanca [X J No. [ ]Yea,ft can hsa to a me�dmum of$ <br /> rtse? <br /> Even If you make paymenEs on dme,can your monthly [X)No. [ )Yes,the first inaeasa can be on and the manihly amount <br /> amount owed far prirsclpai,Yniernsf,and mortgage `owed can rise to$ <br /> Insur�nce rise? Tha maxfmum It can ever rise to is 5 <br /> Daes our loan have a ra ment nut ? X No, Yes, flur maxlmum re a ent enalty is S <br /> _ poes your laan heve e balloon paymeni? [X]No. [ ]Yes,you have a balioon payment of$ due in�years <br /> on <br /> Totat monthly amount owed fncluding escrow account ( ]You do nat hava a monthJy escrow payment for Etams,such as prppsriy faxes <br /> payments and homeawner's Insursnce.You musi pay Uaesa items dtreciiy yourseif. <br /> j X]You have an additional monthly escrow payment of$24i.84 that tesuJts in a <br /> totat tnfttat monfhiy amount owed of 5906.91.ThIs lndudes principei,interest,any <br /> mortgags Insuranca and any ftems checEted below; <br /> [X j Propecty taxes ( j <br /> [ J ptood insurance ( ] <br /> X Homeownar's tnsurance <br /> Nole:If you heve eoy questions about the Sedlement Charges and Loan Terms iisted an this form,please contaci yaur tsnder. <br /> Previous ed(Qons ere obsolete Page 3 of-0 y�p_�{ <br /> December 3,2015 5:44 PM <br />