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Settlement peie:�ecember 4,2U15 Laan Humber.201D15105590 Fde Number.l5-09-04 <br /> Comparison of Good Falth EsUmate(GFE)and HUD Charges <br /> Che�ges ThatCannotlnerease HUp Line No. Good Faith HUD <br /> . Estlmate <br /> Our ori inatbn che 8 #801 3 316.08 3 095.84 <br /> Your asdft ar cha e otnfs for fhe s ecfflc lnterest rete chosen #B02 -965.80 -1 108.62 <br /> Your ad usted ori InaGan eha es #B03 2 350.78 i 989.22 <br /> Trensfer taxea #12D3 1 307.25 619.25 <br /> Charges That In Total Cannot inereese More Than 709G HUD i.ine No. Good Fafth H� <br /> Fstlmat� <br /> Govemment Recorclin Che es #12D1 250.D0 113.50 <br /> A raisal Fee �804 450.00 570.OD <br /> Flood Certificatlon #807 10.00 10.00 <br /> Broker's Credit Re ort #806 0.00 B8.31 <br /> Mo a e Insurance Premium #90 1 83620 1 936.20 <br /> Total 2 648.20 2 89B.07 <br /> Inctease bettveen GFE end HUD Char es 49.81 1.88°� <br /> Chargea That Cen Chenge HUD Line No. �ood Fafth HUD <br /> Initialde osittor ourescrowaccount ��� <br /> D inteisst che e(rom Dec 4 2015 to Jan 1 2018 14.6503/da for 28 de #�01 q24.6 410.21 <br /> Hameowners Insurance ' #903 7 04q,00 1,044.00 <br /> T7Ne services and lenders UUe(nsurance #1101 1 475.00 829.87 <br /> Owners77tlalnsurance #1103 800.D0 574.43 <br /> Surve #1302 250.00 275.00 <br /> L.oan Tertn� <br /> Your Inldal Ioan emount Is $112 576.00 <br /> Your loan tertn Is 30 ers <br /> Yourlpftlal 1Mereat rale(s 4.75% <br /> ' Your Initlal monthy amount owed for princlpal,interest,and y665.07 inGudes <br /> arry mortgage Insurance fs [X j Pdncipal <br /> [X]Interest <br /> Can your Interest rate rise? X Mo e e Insurance <br /> , [X]No. [ ]Yes,ft can rtse to a meximum of_�,6,The first chenge an71 ba on <br /> and cen change agaln every afrer .Every <br /> change dafe,your Interest rate can tncrease or deaease by_%.Over the llfe of <br /> the loan,your Interest reta is guarantced to never be LOWER then��or <br /> Even Ii ou make NIGHER than 96. <br /> Y paymanfs on t1me,cen your loan bafance [X]No. � ]Yea,tt can risa to a me�dmum o{� <br /> ' dseT <br /> Even If you make paymente on tlme,ean your monthly ,(X]No, [ )Yas,the f+rst]naease can be on and the monihfy emount <br /> amount owed for princlpal,interest,and mcrigage 'owed can rtse to$ � <br /> Insurance rtse7 The maxlmum It can aver rise to is S_ <br /> Dcea our loan have a re a errt ne� X No. Yes, our ma�dmum re a ant enatty is S <br /> Wes your loan have e bailoon payment7 [X]No. [ ]Yes,you have a bellooe payment of b due In�yeers <br /> Tote�mnnthfy amarnt ow¢d Inciuding escrow accourK on , <br /> payments [ 1 You do not have a monthly��payment for items,such es property taxes <br /> and homeowners Inaurance.You must pey these ttems dlrectty youraeff. <br /> [X]You have en edditlonal monthly eacrow payment of$24].84 thet results in a <br /> total JnRlel monthty emount owad oi$9pg,91,This indudes pdncipal,IMerest,any <br /> mortgege insurance end any ftems checked beloHr. <br /> [X]P�perty taxes [ 1 <br /> [ 1 F�ood insurance <br /> ate:IF you have eny questions about the Settlement Cherges and Loen Terms I s d'an this fortn,please contact your lendar. <br /> Previous edfflons era obsolete Page 3 oi 4 <br /> HUD-1 <br /> Decembar 3,2015 5:44 PM � <br />