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Uniform Residential Loan Application
UnfoI, -- ' Residential Loan All--`),tion This application is designed to be completed by the ..),,,,,,..:;';:int(s) with the Lender's assistance. Ap, licants should :,.,$leto this form as "Borrower" or "Co-Borrower;' as applicable:do:Borrower information must also be provided(and the appropriate box checked)when I I the income or assets of a person other than the Borrower (including the Borrower's spouse)will be used as a basis for loan qualification or IX I the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state,or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. If this is an application for joint credit,Borrower and Co-Borrower each agree that we intend to apply for joint credit(sign below). Borrower ANDREW LOUIS JAMES Co-Borrower CAROL I,ISENO • .. e+i..'Y{r`S'xf^.n•4?%�t, : • 1r IT . Y,yI��iFM� :e-i � r .�R.,`ir h ..®A� ;r4V Y i4ry u, » 4 �L Mortgage I J VA X I Conventional I !Other(explain). Agency Case Number Lender Case Number Applied for: I I FHA I_.1 Houus q Service 0129318531-00 Amount Interest Rate No.of Months Amortizationr Fixed Rate [ i Other(explain): $ 45,000.00 6.500 % 300 Type: I )GPM I X I ARM(type): I i EI,OI•I OYR DRAW/15YI2 PAYB +,fir:.`s,en.s� �� ;:-„4s,'� ''N 3.74' T6�-1 4'� FffirRnv i 1 a3 0 1 j.� A j ,. i. 7iS7 c'. M=.F:°k'�KM 1,,, R.r Subject Property Address(street,city,state&ZIP) No of Units 1348 JASMINE PLACE 1 ARROYO GRANDE,CA,93420- SAN LUIS OBISPO COUNTY Legal Description of Subject Properly(attach description if necessary) Year Built SEE PRELIMINARY TITLE REPORT 2000 Purpose of Loan I IPurchase I I Construction I X I Other(explain)• [Property will be: Roti IIi:LOC I I IPnmary I 'Seconry ' I Investment I X !Refinance I I Cen_Slatotlon-Permanent Residence Residence + Year this line if construction or construction-permanent loan. Year Lot Original Cost Amount Existing Liens (a)Present Value of Lot (b)Cost of Improvements Total(a+b) I quired $ I$ $ $ $ yComplete this line if this is a refinance loan. Acquired Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements I I made ' Ito be made q Personal Ilse 2005 $ 315,000.00 $ 299,772.00 Cost. Title will he held in what Name(s) Manner in which Title will be held I Estate will be held in: X I Fee Simple I I Leasehold Source of Down Payment,Settlement Charges,+ and/or SubordinatetyFinancing(explain)�� i �. y��3y� r/� (show expiration date IPS: , .. I ' tatWa "r-r 5M r$) '4ffl;'`B..ORROTNE. `EiO.RIYJ'MR[O ;, ,,--ii-,:, :a: e ,i.oil''''' {z .0.' .. ,.. Borrower's Name(include Jr or Sr if applicable) Co-Borrower's Name (include Jr.or Sr.if applicable) ANDREW I,OI IIS JAMES CAROL LISENO Social Security Number Home Phone(incl.area code)DOB(mmldd/yyyy) Yrs School Social Security Number Home Phone(incl.area code)DOB(mm/dd/yyyy) Yrs.School 566-79-2945 (805)473-0977 10/22/1970 16 551-11-4324 (805 473-0977 08/31/1971 16 I X 'Married I—I Unmarried(include single, Dependents (not listed by Co-Borrower) I X 'Married I I Unmarried(include single, Dependents (not listed by Borrower) I I Separated divorced,widowed) no.D gages r-i Se•arated divorced,widowed n .0 g Present Address(street.city,state.zip code) I x I Own I I Rent .7 0 No.Yrs. Present Address(street,city,state,zip code) I X J Own I I Rent .7 0 No.Yrs. 1348 JASMINE PLACE 1348 JASMINE PLACE ARROYO GRANDE,('A 93420 ARROYO GRANDE,CA 93420 Mailing Address,if different from Present Address Mailing Address,if different from Present Address If residing at present address for less than two years,complete the following: Former Address(street,city,state,zip code) I I Own I X I Rent 3.0 0 No Yrs. Former Address(street,city,state,zip code) I I Own I X I Rent 3-0 0 No.Yrs. 1425 PHILLIPS LANE APT D 1425 PHILLIPS LANE APT D SAN LUIS OBISPO,CA 93401 SAN LMS OBISPO,CA 93401 .+31:1 ,. '”' 'rl. ,��g�rr�?T re "`i! i ..� "�;. 'Q �� Tt: rj..� =�v+.. ��..,. �:Q�. o:y�(1� v _ ..r.'�a. � �.' a�,ax-s. ,✓x e.•4 Name&Address of Employer n Self Employed Yrs.on this job I Name&Address of Employer r Self Employed Yrs.on this job ATASAlF-.RO S-FATF.nOsrrrnt. 4 YRS 6 MOS InJ.0 El,('\MINO REM. Yrs.employed Yrs.employed in this line of in this line of t',1/4 91,120 work/profession work/profession 4 YRS 6 MOS Position/Title/Type of Business Business Phone(incl area code) Position/Title/Type of Business Business Phone(mel area code) TV PRODUCT ION (8115)468-2733 . If employed In current position for less than two years or if currently employed in more than one position,complete the following: Loan No 0129318531-00 Page 1 of 5 Borrower Initials KW'1003 P1 LC 1003P1 FN:1003D1 — `--- Fannie Mae Form 1003 7/05 Co-Borrower Initials Freddie Mac Form 65 7/05 COMort sI c;oIL.C)nLlnr FORM 1003_1 HA-12/30/2005 oIl.. t•in, t., , ' '.'H'"" „,,,.., --459,s'&x � j bg (�r� {'��p`T('^ 3 -. •.,�^s °;'9n �y ..rf' .�3.I�'�w„' ''-" t- ,-,Vs'-- •' 1 ,r esti...,,- _ ;, I.J t} e ", 16N. �•yi • 1 G s'..�.^.1 ri.web.opyik�` ".`.r''i-0, d1Y.:7�+,�'('vcx Name&Address of Employer I Se riraloyed Dates(from-to) Name&Address of Employe--,_-/ I Self Employed Dates(from-to) Monthly Income Monthly Income $ $ Position/Title/Type of Business Business Phone(incl.area code)Position/Title/Type of Business Business Phone(incl.area code) Name&Address of Employer I J Self Employed Dates(from-to) Name&Address of Employer Self Employed Dales(from-to) Monthly Income Monthly Income $ $ Position/Title/Type of Business Business Phone(incl.area code)Position/Tille/Type of Business Business Phone(incl.area code) .tl *7-4...'. t -.. f, wfi ' ,x3: .rrw .''':.71Y.0' if fit,i. A .©Y. 6 p itiff, T-:C77.&-'41,0",'g,. & JtgK ?^ . ki; .,- , Gross Monthly Income Borrower Cd-Borrower Total jonthl eHousinq Expens Present Proposed ............................................. Base Ernpl.Income* $ 4000.00 $ $ 4 *00.00 Rent $ Overtime First Mortgage(P&I) 1,686.00 $ 1,657.00 Bonuses Other Financing(P&I) 243.75 Commissions Hazard Insurance Dividends/interest Real Estate Taxes Net Rental Income Mortgage Insurance Other(before completing, Homeowner Assn.Dues see the notice in"describe - -- .they income;'below) Other Total $ 4,000.00 $ $ 4,000.00 Total $ 1,686.00 I 1,900.75 "Self Employed Borrower(s)may be required to provide additional documentation such as tax returns and financial statements. Describe Other Income Notice: Alimony,child support,or separate maintenance income need not be revealed if the Borrower(B)or Co-Borrower(C)does not choose to have it considered B/C for repaying this loan. Monthly Amount $ $ $ t. : €, d T 4 C Pty fi**".', 1 * iq:s n.z," a : r`;2,,'cf W,Y- }e`Sy 7, r. .Y'• ;.K r} 4t ..s..�,� �` r� � A� -1.:.--i-: r in lf ^.� �e � :� h'U"� 8 >"Ii:.Y ,:Ti'Yt<-��`?, 6 J" g .,.57f,' m,,i Vi This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis;otherwise,separate Statements and Schedules are required.If the Co-Borrower section was completed about a non-applicant spouse or other person,this Statement and supporting schedules must be completed about that spouse or other person also. Completed 111 Jointly [1- 7 Not Jointly ASSETS Cash or Market Liabilities and Pledged Assets. List the creditor's name, address, and account number for all outstanding debts, Description Value including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary Indicate by(') those liabilities which will be satisfied upon sale of real estate Cash deposit toward purchase held by' $ owned or upon refinancing of the subject property LIABILITIES Monthly Payment& I Unpaid Balance Months Left to Pay Name and address of Company $Payment/Months $ (List checking•and saving accounts below WELLS FARGO'TOME MORTG Owner Occupied. Payment added to Name and address of Bank,S&L,or Credit Union 1,657.00/360 296,941.00 RE t.OAN ON 1348 JASMINE PLACE Acct.no. 7080144182458 Name and address of Company $Payment/Months $ Acct.no. AMEX PAID OFF at Close of $ Escrow. Name and address of Bank,S&L,or Credit Union 21,902.00 Acct.no. -039858622010335872 Name and address of Company $Payment/Months $ Acct.no. $ LISAA SAPISK PAID OFF at Close of fscrnw Name and address of Bank,S&L,or Credit Union 133.00/ 50 6,657.00 Acct.no. 5491237239016028 Loan No 0129318531-00 Page 2 of 5 KVV 1003 P2 LC 1003P2 FN 1003D2 Borrower Initials Fannie Mae Form 1003 7/05 -- — Freddie Mac Form 65 7/05 Co-Borrower Initials FORM 1003_2 HA-12/30/2005 Cts Mortgaycor)l.OnLlne .s: ,,:,,:;:% ;c.- .ask: s 0 '.qq { ,>a:"A:r ry .," ,n1 .,.. ;.i , r ` ye�.r4; sae- �.1,a^:•as, , -Ks -3,1-4N; -v,�. ,y�.. ,, ,� 4. 2 xx.za,-.1� �,rs�a° x '� ' ,y✓4t ^' R L,i2.;�„ `$ s -is �� �.. d a+;ti� 3�, o'ii' s r ----c,-,-..•,„; 2 s- ,,•,. "� I,T. l r r,,,,, s t tY , ` 3,,'e .b ,1 q A����-` � , ;,;�.�" ,, .�.., ,r^cr;�y r %`p �3tjr,x%��� Y it t'' �F'` f Y gr ) �,.•. � 't�" ',,,,,,-f�' ,'t,#, ,P.Gi. ,. K. �' - . rs.a�;;i_ �., ,,%f ^."^� -?S'1. y,s�w^„L,,, .,..,.a.. �� -K,,,„ -. ! ;ra 'r %.•,r.,�,.».s„-fi�n1.ti?'-"...n •, x' .9,.» _LE•»«Fc� Acct.no $ Name and address of Company ��i$Payment/Months $ Name and address of Bank,S&L,or Credit Union CAP ONE BK PAID OFF at Close of Escrow. 192.00/ 33 6,419.00 Acct.no. 517805250863 Name and address of Company $Payment/Months $ I-. n0. $ IIS BANK/NA Nn PAID OFF at Close of Stock&Bonds(Company name/number $ Escrow. ' &description) 65.00/ 33 2,160.00 H Life insurance net cash value: Face Amt. $ Acct.no. 469227948302 $ Name and address of Company $Payment/Months $ GOLDEN I PAID OFF at Close or Subtotal Liquid Assets $ 0.00 Escrow. Real estate owned(enter market value $ 624,000.00 12.00/152 1,833.00 from schedule of real estate owned) Vested interest in retirement fund $ 11.E LOAN ON 1348 JASMINE I'I.ACE Net worth of business(es)owned $ (attach financial statement) — Acct.no.566792945195 Name and address of Company $Payment/Months $ Automobiles owned(make and year) $ SEE TIIF,,crrAcIIEI)S('IIEDIILF: Acct.no. Other Assets(itemize) $ Alimony/Child Support/Separate Maintenance Payments $ Owed to' Joh Related Expense(child care,union dues,etc.) $ • Total Monthly Payments . $ 186.00 Total Assets a. $ 624,000.00 N(aetrrwiinousbth) y 284,052-00 Total Liabilities b. $ 339,948.00 b ISchedule of Real Estate Owned(If additional properties are owned,use continuation sheet.) Insurance, iProperty Address(enter S if sold,PS if pending sale Type of Present Amount of Gross Mortgage I Maintenance, Net or R if rental being held for income) -7 Property Market Value Mortgages&Liens Rental Income Payments i Taxes&Misc. Rental Income 1348.JASMINE PI.AC'E 001(st j) $ $ ( 2831.00) $ $ ( 29.00) $ $ ARROW GRANDE,CA93420 0 srr 624,000.00 341,941.00 1,900.75 , $ $ ( 2831.00) $ $( 29.00) $ $ Totals 624,000.00 341,941.00 1,900.75 List any additional names under which credit has previously been received and indicate appropriate creditor name(s)and account number(s). Alternate Name Creditor Name Account Number . . " mf� -� : A .n,�, :,•�..^s.9%,.*,;t w.'.y:} e:,r4:"i'=+'�T r tY•v,,,.;Ytat„ scsi;iR.`w` :�„,„_r m� a' �y� rCod5� „c, A ✓ J0 ' .4 z7 �aR % y4,4,4 , �..,dt � i ^s, B - n `:S.l.ta3te._rC� ,Sf�a , tk- iu . 4y�a,;+,'. o. f a. Purchase price _ $ If you answer"yes"to any questions a through i,please Borrower Co-Borrower b. Alterations,improvements,repairs use continuation sheet for explanation. Yes No Yes No c. Land(if acquired separately) a.Are there any outstanding judgments against you? P1 r"1 E:,, d. Refinance(incl.debts to be paid off) 42,488.00 b.Have you been declared bankrupt within the past 7 years? L FR-1 n x I e. Estimated prepaid items 136.17 c.Have you had property foreclosed upon or given title Ei L_x, El 1 ,1 or deed in lieu thereof in the last 7 years? f Estimated closing costs 225.00 d.Are you a party to a lawsuit? X L9. PMI,MIP,Funding Fee — e.Have you directly or indirectly been obligated on any loan which resulted j I [X ] r__J [ xi h. Discount(if Borrower will pay) in foreclosure,transfer of title in lieu of foreclosure,or judgment? L (This would include such loans as home mortgage loans,SBA loans,home i. Total costs(add items a through h) 42,849.17 improvement loans, educational loans, manufactured (mobile) home — loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes,"provide details,including date,name,and address of Lender,FHA or VA case number,if any,and reasons for the action.) Loan No 0129318531-00 Page 3 of 5 KW-1003 P3 LC 1003P3 FN:1003D3 Borrower Initials Fannie Mae Form 1003 7/05 Co-Borrower Initials Freddie Mac Form 65 7/05 t )P1ortiatcsnff.UnLln FORM 1003_3 HA-12/27/2005 II,• l.:li Li G • s? •�. '',._,,',I..%''.. m',r^", .Yy4, i'i;,,,4-77,71<r• .. .r'+�770 v 74, v c�.+.A a„T"` -�'q . .� h$t� . �p ..61,x1" ny ,.w- -'i� � - t! ;., 17 EIXAIL$ C� - .'�,` .:r>n.s eN aslaji lry"c 'f�.st.w''•' .• .._ff ) } p tiv r:t S . :r?� • If you answer"Yes"to any questions a through I, Borrower Co-Borrower please use continuation sheet for explanation. Yes No Yes No j. Subordinate financing r� f. Are you presently delinquent or in default on any Federal debt or any other [_] Cl Ll a] k. Borrower's closing costs paid by Seller loan,mortgage,financial obligation,bond,or loan guarantee?If"Yes," give details as described in the preceding question. I. OiherCredits(explain) Areyou obligated to payalimony,child support, f I ) �� g. g y, or separate maintenance? h.Is any part of the down payment borrowed? Li Lid Ii azi i. Are you a co-maker or endorser on a note? Li Lxi [-] CEJ j. Are you a U.S citizen? [Ix] Ell [il k.Are you a permanent resident alien? L J [ xi L- ] ail m.Loan amount I.Do you intend to occupy the property as your primary residence? Lel LI I_xJ LJ (exclude PMI,MIP,Funding Fee financed) 45,000.00 If"Yes,"complete question m below n.PMI,MIP,Funding Fee financed in.Have you had an ownership interest in a property in the last three years? Lii I .1 L xJ L--I o.Loan amount(add m&n) (1)What type of property did you own-principal residence(PR), PR PR 45,000.00 second home(SH),or investment property(IP)? p Cash To Borrower (2)How did you hold title to the home-solely by yourself(S),jointly (subtract j,k,I&o from i) 2,150.83 with your spouse(SP),or jointly with another person(0)? SF SP s•-"-T..say y ar,x-. T- t;i'.r y�,,,f4....„0.;,,,...,-,.,.to.,..:-A'-', G`�c s' '�;it rx- +3 ® °E,!,fi ii'' re "1'., 1C 4 v;:'�."ice':;,' r''Y aX� .tE {x .,.-,;,... ..-4,-,-,: „..,-r,�r r y i-..fi.� ca, C. .. ...: 6666 -�,,''',.:4::;,..:7';,': ,,.. �. 6.666.. � -i. a .. �rt.3'�•.i.."'.�'.-b.7,.,..:3,I- -a 6,666-`''.�*�. Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents,brokers,processors,attorneys,insurers,servicers,successors and assigns and agrees and acknowledges that:(1)the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability,including monetary damages,to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application,and/or in criminal penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Sec.1001,et seq.,(2)the loan requested pursuant to this application(the "Loan')will be secured by a mortgage or deed of trust on the property described in this application;,(3)the property will not be used for any illegal or prohibited purpose or use;(4)all statements made in, this application are made for the purpose of obtaining a residential mortgage loan;(5)the property will be occupied as indicated in this application;(6)the Lender,its servicers,successors or assigns may retain the original and/or an electronic record of this application,whether or not the Loan is approved;(7)the Lender and its agents,brokers,insurers,servicers,successors,and assigns may continuously rely on the information contained in the application,and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan,(8)in the event that my payments on the Loan become delinquent,the Lender,its servicers,successors or assigns may,in addition to any other rights and remedies that it may have relating to such delinquency,report my name and account information to one or more consumer reporting agencies;(9)ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law.(10)neither Lender nor its agents,brokers,insurers,servicers,successors or assigns has made any representation or warranty, express or implied,to me regarding the property or the condition or value of the property;and(11)my transmission of this application as an"electronic record"containing my"electronic signature,"as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or my facsimile transmission of this application containing a facsimile of my signature,shall be as effective,enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowled enient.Each of the undersigned hereby acknowledges that any owner of the Loan,its servicers,successors and assigns,may verify or reverify any information contained in this application or obtain any information or data relating to the Loan,for any legitimate business purpose through any source,including a source named in this application or a consumer reporting agency Borrower's Signature Date Co-Borrower's Signature Date X X • ;,r �r ,:�i • -•i: ^.m. • - -rx-T. x^-�r.�a7--tp:s--;.- • .e,�s9 ;"s.. "•fa. ✓. ''2'',,"-' nx-4,- 'x F:7-, _Ps4� ,F• �H, 1 �/:^,� ! , P v y cif lS i 1. fit- 1 �Sa•¢a. ', Yt r ia,0-4- , 0-f- +.,..,` i Y, '�� 1 �` g �ry r '�_ c- ,_ �'.,�; ..»3: ..-: .Q;e: . �iHe• �9�4�7' -.-4 :.. '[l )1 a ,f�{a'� � a�-A�K•�.K��-i:�� �.,ts;�+r �;g•r�'r�vr;'�.x>��`„jz•-fi ?'e� The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lenders compliance with equal credit opportunity,fair housing and home mortgage disclosure laws.You are not required to furnish this information,but are encouraged to do so.The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it.If you furnish the information,please provide both ethnicity and race.For race,you may check more than one designation.If you do not furnish ethnicity,race,or sex,under Federal regulations,this lender is required to note the information on the basis of visual observation and surname if you have made this application in person.If you do not wish to furnish the information,please check the box below (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.) BORROWER I— ii do not wish to furnish this information CO-BORROWER L— lido not wish to furnish this information Ethnicity: 1-----(Hispanic or Latino I x l Not Hispanic or Latino Ethnicity: r---- Hispanic or Latino x Not Hispanic or Latino Race: r American Indian or I Asian Black or African American Indian or Asian Black or African ---I Alaska Native L---� L--I American Race: --- Alaska Native I I — American Native Hawaiian or I \J White F..._-JNative Hawaiian or x White -- Other Pacific Islander — `-----Other Pacific Islander Sex: I-__IFemale I—x� Male Sex: [_XFemale Fl Male To be Completed by Interviewer Interviewer's Name(print or type) Name and Address of Interviewer's Employer This application was taken by ROBERT BOONE GREENLIGT-IT FINANCIAL SERVICES I _J Face-to-face interview Interviewer's Signature Date 1 Mail Lxi Telephone Interviewer's Phone Number(incl.area code) __I Internet (702)835-6502 . IRVINE,CA 92618 ROBERT BOONE (702)835-6502 Loan No 0129318531-00 Page 4 of 5 KW 1003 P4 LC 1003P4 FN.1003D4 Borrower Initials Fannie Mae-Form 1003 7/05 — -- Freddie Mac Form 65 7/05 Co-Borrower Initials FORM 1003_4 HA-12/21/2005 (a Morig3gesof i,.OnLinc mvr"na,.,,w vs`�w1S+ ,,'_,�4: • `�'' _ • F �.n• `.}.$,�h rw, f.-"'' u „' T r' ':. •xdT r,3 -._ ;v, s-z y 45- -+ . b`G �o.. �a Use this continuation sheet if you Borrower ANDREW LOUIS JAMES Agency Case Number need more space to complete the Residential Loan Application Mark B for Borrower or C for Co-Borrower CAROL LISENO Lender Case Number Co-Borrower 0129318531-00 NOTICE TO CALIFORNIA RESIDENTS: Regardless of your marital status,you may apply for credit in your name alone. I/We fully understand that it is a Federal crime punishable by fine or imprisonment,or both,to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18,United States Code,Section 1001,el seq. Borrower's Signature Dale Co-Borrower's Signature Date x X _can No 0129318531-00 Page 5 of 5 KW 1003 P5 LC 1003P5 FN:1003D5 3orrower Initials _ Fannie Mae Form 1003 7105 ;o-Borrower Initials Freddie Mac Form 65 7/05 — — — FORM 1003_5 HA- 12/2.1/2.005 Mnrlragesoli. Online il 'N(.if wl„i G --;ID FAITH ESTIMATE - F,ENDt' GREENLIGHT FINANCIAL SERVICES 8105 IRVINE CENTER DRIVE #100 IRVINE, CA 92618 The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates - actual charges stay be more or less. The nundtens listed under the "HUD-I"column generally correspond to the numbered lincs contained in the THUD-I or HUD-IA Settlement Statement which you will be receiving al settlement. 'fhc I Il ID-I or I-IUD-I A Settlement Statement will show you the actual cost for items paid at settlement. `f1UD-1 APR PAID TO DESCRIPTION OF CHARGES PAID 1W AMOUNT PAID TOTAL AMOUNT ITEMIZATION OF CLOSING COSTS 801 X Tender (higinationFee @0.500 Borrower 225.00 I I LMI7_ATION OF PRLPA IDS 901 X bender Interest @$8.01/Day For 17 Days Borrower 136.17 TOTAL(sec below): 361.17 Breakdown of Your impound Account(if applicable) Imp and Description Yearly Premium Monthly Amount Months Required Initial Deposit Amount Adjustment Por Aggregate Analysts - Loan Number 0129318531-00 (uX)D F41TI1 ESTIMAIT-LENDER Page I oft FCIFEl l(rev 11/02) GOOD FAITH ESTIMATE - LENDER DEBITS DETAILS OF TRANSACTION CREDITS a. Purchase price g 1k- Subordinate financing b. Alterations.improvements.repairs I. Estimated closing costs paid by Seller in.Escrow Deposit c. land(if acquired separately) n. Other Credits(explain) d Refinance(include debts to be paid oIt) 42,488. 00 e. Estimated prepaid items 136.17 f Estimated closing costs 225.00 g. Estimated P\II,M11' Funding Fee h. Estimated Discount(if Borrower will pay) o. EI IA MIP refunds i. Other Expenses: p. Luau amount 3(_ddxs_lnlcte01 45,000 00 j. Estimated Total Debits(Cost) 42,849.17 tb Estimated Total Credits 45, 000.00 NET CASH To BORROWER(s). 2 , 15 0 . 8 3 Your Estimated Payment Distribution of "TOTAL AMOUNT" P&I _ 1,657.00 l'repaidsbyBuyer 136.17 fasts: Prcpaids by Seller- Total Prcpaids: 136.17 Ilaeard Insurance: Prcpaids by Other Mortgage Insurance (losing Costs by Buyer 225.00 Closing Costs Financed: Other- 243.75 Closing Costs by Seller Total Closing Costs: 225.00 I Mal Payment: 1, 900.75 Closing Costs by Other These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974,as amended(RESPA).Additional information can be found in the 1111D Special Information Booklet,which is to be provided to you by your mortgage broker or lender,if your application is to purchase residential property:rod the Lender sxill take a first lien on the property. Mailing Address 1348 JASMINE PLACE Property Address 1348 JASMINE PLACE ARROYO GRANDE,CA 93420 ARROYO GRANDE,CA 93420 Proposed Loan Amount 45.000.00 Loan Type Estimated Interest Rate 6 5000 Preparation Dale 02/09/2006 F7 FHA I 1 VA I X I Conventional Loan Number 0129318531-00 ANDREW LOUIS JAMES (Applicant)(Date) CAROL LISENO (4pplicant)(Dale) (Applicant)(Date) (Applicant)(Dale) Loan Number 0129318531-00 GOOD FA I f11 FSt IM ATE-I ENDER Page 2 of 2 FGFE1.2(rev 11/02) • SERVICING DISCLOSURE STATEMENT NOTICE TO FORST-LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS. iF YOUR LOAN iS MADE, SAVE THIS STATEMENT wan YOUR LOAN DOCUMENTS. SiGN THE ACKNOWLEDGMENT AT THE END OF THIS STATEMENT ONLY IF YOU UNDERSTAND iTS CONTENTS. Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U S.0 2601 et seq), you have certain rights under that federal law This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may he transferred to a different loan servicer "Servicing" refers to collecting your principal, interest and escrow account payments, if any if your loan servicer changes, there arc certain procedures that must be followed. This statement generally explains those procedures. TRANSFER PRACTICES AND REQUiRENIENTS If the servicing of your loan is assigned, sold or transferred to a new servicer, you must he given written notice of that transfer The present loan servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 clays before the effective date of the transfer. The new loan servicer must also send you notice within IS days after the effective date of the transfer. The present servicer and the new servicer may combine this information in one notice, so long as the notice is sent to you 15 days before the effective date of transfer The 15-day period is not applicable If a notice of prospective transfer is provided to you at settlement The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you, upon the occurrence of certain business emergencies. Notices must contain certain information They must contain the effective date of the transfer of the servicing of your loan to the new servicer, and the name, address, and toll-free or collect call telephone number of the new servicer, and toll-free or collect call telephone numbers of a person or department for both your present servicer and your new servicer to answer your questions. During the 60-clay period following the effective date oC the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you. COMPLAINT RESOLUTION Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights, whether or not your loan servicing is transferred. If you send a "qualified written request" to your servicer, your servicer must provide you with a written acknowledgment within 20 business clays of receipt of your request. A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and the information regarding your request. Not later than 60 business days after receiving your request, your servicer must make any appropriate corrections to your account, or must provide you with a written clarification regarding any dispute During this 60-business-day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request. -_ _ _ - - A business clay is any day in which the offices of the business entity are open to the public for carrying on substantially all of its business functions. DAMAGES AND COSTS Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers arc shown to have violated the requirements of that section Loan Numbcr 0129318531-00 SkRvI(1N(i DISCI OSI1121-SFATE\1EN1 Page I ort FRESPI(rev10102) SERVICING TRANSFER ESTIMATES l The following is the best estimate of what will happen to the servicing of your mortgage loan. ® We may assign, sell or transfer the servicing of your loan while the loan is outstanding. • OR I 1 We do not service mortgage loans, and we presently intend to assign, sell or transfer the servicing of your mortgage loan. You will be informed about your servicer. 2 For all the first-lien mortgage loans that we make in the I2-month period after your mortgage loan is funded, we estimate that the percentage of such loans for which we will transfer servicing is between 0 to 25% 26 to 50% 51 to 75% X 76 to 100% (This estimate does not include assignments, sales or transfers to affiliates or subsidiaries) This is only our best estimate and it is not binding. Business conditions or other circumstances may affect our future transferring decisions. 3 I I We have previously assigned, sold or transferred the servicing of our first-lien mortgage loans. OR [X] This is our record of transferring the servicing of the first-lien mortgage loans we have made in the past Year Percentage of Loans Transferred (Rounded to nearest quartile - 0%, 25%, 50%, 75% or 100%) 2002 100 . 00 2003 100 . 00 2004 100 . 00 2005 100 . 00 This information [Xl does does not include assignments, sales or transfers to affiliates or subsidiaries. GREENLiGHT FINANCIAL SERVICES Date Your Present Servicer or Lender(Signature Not Mandatory) ACKNOWLEDGMENT OF MORTGAGE LOAN APPLICANT I/We have read this disclosure form, and understand its contents, as evidenced by my/our signaturc(s) below. I/We understand that this acknowledgment is a required part of the mortgage Ioan application. ANDREW .LOUIS JAMES (Borrower)(Daie) CAROL LISENO (Borrower)(Dalc) (i 3orrower)(Date) (Borrowcr)(Datc) Loan Number 0129318531-00 Siii)\'(i N( itiSul.OSI IRP STATEMENT Page 2 ort FRPSP2 rev !0/02)