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<br />~. <br /> <br />. <br /> <br />JULY 07, 1994 <br /> <br />LOAN NO, 940-455637 <br /> <br />. <br />. <br />. <br /> <br />GAUSE, JASON <br />COLE, RICHARD <br />38606 FERM CIRCLE <br />ZEPHYR HILLS, FL 33540 <br /> <br />Dear Borrower: <br /> <br />Thank you for choosing AMERICAN RESIDENTIAL MORTGAGE CORPORATION <br />as your mortgage lender. <br /> <br />In compliance with applicable Federal and/or State Regulatory Requirements, enclosed are the following items for <br />your review and/or signature: <br /> <br />G\J <br />D <br /> <br />Good Faith Estimate of Settlement Charges, <br /> <br />o Consumer Handbook on Adjustable Rate <br />Mortgages. (If you are obtaining an Adjustable <br />Rate Loan, read this booklet prior to signing any <br />document,) <br /> <br />HUD Booklet n A Homebuyer's Guide <br />to Settlement Costs, II <br /> <br />m <br /> <br />Program Disclosure, <br />(Describes type of loan you have selBcted,) <br /> <br />o Uniform Mortgage Loan Cost Worksheet. <br />(Massachusetts only.) <br /> <br />[JJ Initial Regulation Z Disclosure <br /> <br />D State of California Fair Lending Notice. <br />(California only.) <br />The information provided in the disclosure is based on estimated figures at a note rate of <br />and a loan amount of $ 35,150.00. <br /> <br />o <br /> <br />Consumer Guide to Obtaining a Mortgage, <br />(Massachusetts only,) <br /> <br />8.750 <br /> <br />% <br /> <br />Annual Percentage Rate (APR) - This is not the same as the interest rate (Note Rate) on the loan, The Note <br />Rate describes only interest, The APR, which is usually higher, includes other amounts such as origination <br />points, fees, finance charges and certain other charges you are required to pay, <br /> <br />Amount Financed - This is the full loan amount less the prepaid finance charges, as estimated, <br /> <br />Finance Charges - This is the amount of interest, prepaid finance charges and the mortgage insurance premiums, if <br />any, which you will be expected to pay if the loan is held to maturity, <br /> <br />Total of Payments - This is the total of all the finance charges and the loan amount, figured by adding the Amount <br />Financed and the Finance Charges, <br /> <br />Please remember that at this stage all figures are estimates and your application is still pending approval. At the <br />time of loan closing, you will be provided with a final Regulation Z Disclosure based on the actual amount of your <br />loan. <br /> <br />If you have any questions pertinent to any of the items enclosed or any aspect of your loan application process, <br />' .'". \ t <br />please feel free to contact the undersigned. '. ,', <br />Sincerely, <br /> <br />A copy of this letter, acknowledging receipt of the enclosed documents, along with a signed copy of each of the <br />documents, should be returned to this office in the self-addressed envelope provided within 10 days, <br /> <br />5:t.' L1 :d- <br />BY: ~1:'J1.[ ";1,< &-' <br />RES, 1.4'-5 .610 (11/91) <br />AcosT610 1111.11111111.111111 <br /> <br />Received by: <br /> <br />Date: <br />