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File No. 1039-2875039 <br /> Com arison of Good Faith Estimate GFE and HUD•1 Char es Good Faith Estimate HUD-1 <br /> Charges That Cannof Increase HUD-1 Line Number <br /> . Our orgination charge # 801 725.00 725 00 <br /> ' Your credit 1 charge(poiMS)for the specific iMerest rate chosen # 802 0.00 0.00 <br /> Your adjusted ongination charges # 803 725.00 725.00 <br /> Transfer taxes # 1203 363.83 118.65 <br /> Charges That in Total Cannol Increase More Than 70Yo Good FaNh Estimate HUD-7 <br /> Govemment recordirg charges # 1201 160.00 139.00 <br /> Appreisal fee # 804 375.00 375.00 <br /> Credil reporl # 805 50.00 50.00 <br /> Tax service # 806 70.00 70.00 <br /> Flood certificalion # 807 8.95 8,95 <br /> Courier Fee # BOB 40.00 40.00 <br /> # <br /> p <br /> Total 703.95 682.95 <br /> Increase behveen GFE and HUD-1 Cha es -521.00 or -2.9832% <br /> Charges Thal Can Change Good Faith Estimate HUD•1 <br /> Initial deposit for your esaow account # 1001 562.16 4902� <br /> Daiy interest charges # 901 @$3.6000001day 46.80 50.40 <br /> Homeowners insurance # 903 1,200.00 1,430.00 <br /> Radian p 904 0.00 3148 <br /> Title services and lenders tille insurance # 1101 600.00 758.63 <br /> Owners title insurance # 1103 201.25 254.88 <br /> Survey # 1302 275.00 250.00 <br /> Loan Terms <br /> Your inilial loan amount is $33,900.00 <br /> Your loan term is 30 years <br /> Your initial intereat rate is 3.8750% <br /> Your ini8al monthy amount owed for principal,interest,and any $190.89 includes <br /> mortgage insurance is O Principal <br /> � Interest <br /> � Mor(qage Insurance <br /> Can your interest rote rise7 ❑X No. � Yes,it can rise to a maximum of 0.0000%.The firsl charge will <br /> be on and can change again every after Every <br /> charge date,your interest rete can increase or decrease by 0.00000%.Over the li(e <br /> of the loan,your interest rate is guaranteed to never be lower than 0.0000%or hgher <br /> than 0.0000%. <br /> Even if you make payments on time,can yaur loan balance rise? �X No. � Yes,it can rise to a maximum o($ <br /> Even if you make payments on time,can your monthty amount ❑X No. � Yes,the first increase can be on and the monthly amount <br /> owed for principal,interest,and moAgage insurance rise? owed can rise to$0.00. <br /> The maximum it can ever rise to is$0.00. <br /> Daes your loan have a prepayment penalty? � No � Yes,your maximum prepayment penalty is$0.00. <br /> Does your loan have a balloon paymeM? ❑X No. � Yes,you have a balloon payment of$0.00 due in <br /> 0 years on <br /> Total monthy amount owed including escrow account payments � You do not have a monthly escrow payment for items,such as property taxes and <br /> homeowners insurance.You must pay these items directly yourself. <br /> OYou have an additional monmly escrow payment of S 152.93 that results in a <br /> total inilial monthly amount owed ot$343.82.This includes pnncipal,interest, <br /> any mortgage insurance and any items checked bebw: <br /> � Property taxes � Homeowners insurance <br /> � Flood insurance � <br /> °❑ °❑ <br /> ❑ ❑ <br /> Note:If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your I?nder <br /> Page 3 <br />