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ADDENDUM TO LOAN APPLICATION
NCA.MSC 06/17/08
ADDENDUM TO LOAN APPLICATION
CALIFORNIA CIVIL CODE SECTION 1812.30 REQUIRES NOTICE THAT "THE APPLICANT, IF MARRIED,
MAY APPLY FOR A SEPARATE ACCOUNT."
I (WE) RECEIVED A COPY OF THIS NOTICE, WHICH IS PART OF MY/OUR CREDIT APPLICATION.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Loan Number: 53502375
ALAN I GOLDBERG
06/17/15 01:55:00 PM PDT
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CA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATIONCA Family Code §§ 297 et seq.CADPA.MSC 09/29/14
On and after January 1, 2005, California law extends the same rights, protections, benefits, and duties of
marriage to persons registered as domestic partners in the State of California. Thus, a non-borrowing
domestic partner whose domestic partnership is registered in California will be presumed to have a
community property interest in the real property of the borrowing domestic partner that will secure
repayment of this loan transaction regardless of whether the non-borrowing partner holds, or will hold, legal
title to that property.
Furthermore, a legal union of two persons of the same sex, other than marriage, that is validly formed in
another jurisdiction and that is substantially equivalent to a domestic partnership under California law is
recognized as a valid domestic partnership in California regardless of whether it bears the name domesticpartnership.
Accordingly, if you, as the Borrower, indicate that you are involved in a domestic partnership
registered with the State of California or part of a legal union formed in another jurisdiction, the
Lender will require that your domestic partner also sign the deed of trust or other security instrument
(and perhaps other related loan documents) that secures repayment of this loan.
You should consult an attorney for specific legal advice regarding community property rights and for
specific legal advice regarding rights, protections, benefits, and duties under California law.
CALIFORNIA DOMESTIC PARTNERSHIP ADDENDUM TO
UNIFORM RESIDENTIAL LOAN APPLICATION
Date:
Provided by:
Borrower:
Property Address:
The undersigned Borrower hereby represents to Lender and to Lender' s actual or potential agents, brokers, processors,attorneys, insurers, servicers, successors and assigns, the following:
Please check all of those statements below that apply.
I am not involved in a domestic partnership in California or in any other jurisdiction recognizing a domesticpartnership or civil union.
I do not have a pending termination or judgment of dissolution or nullity of a domestic partnership or civil union.
I have registered a domestic partnership with the State of California. The Lender may request that you providea Certificate of Domestic Partnership issued by the California Secretary of State.
I am involved in a domestic partnership or civil union formed in a jurisdiction outside the State of California.
If you have registered a domestic partnership in California or formed a domestic partnership or civil union in another jurisdiction, please provide the name of your domestic partner in the space provided below:
Name of Domestic Partner
Borrower Date
JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
Loan Number: 53502375
ALAN I GOLDBERG
x
x
06/17/15 01:56:34 PM PDT
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 1
Uniform Residential Loan ApplicationThis application i s designed to be completed by the applicant(s) with the Lender's assistance. Applicants should c omplete this f orm as " Borrower" or "Co-Borrower,"
as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when 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 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 Co-Borrower
Mortgage VA Convent ional Other (explain):
Applied for: FHA USDA/Rural
Housing Service
Agency Case Number Lender Case Number
Amount
$
Interest Rate
%
No. of Months Amortization Type: Fixed Rate Other (explain):
GPM ARM (type):
Subject Property Address (street, city, state & ZIP) No. of Units
Legal Description of Subject Property (attach description if necessary) Year Built
Purpose of Loan Purchase Construction Other (explain):
Refinance Construction-Permanent
Property will be:
Primary Residence Secondary Residence Investment
Complete this line if construction or construction-permanent loan.
Year Lot
Acquired
Original Cost
$
Amount Existing Liens
$
(a) Present Value of Lot
$
(b) Cost of Improvements
$
Total (a+ b)
$
Complete this line if this is a refinance loan.
Year
Acquired
Original Cost
$
Amount Existing Liens
$
Purpose of Ref inance Describe Improvements made to be made
Cost: $
Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:
Fee Simple
Leasehold (show
expiration date)
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)
Borrower' s Name (include Jr. or Sr. if applicable) Co-Borrower' s Name (include Jr. or Sr. if applicable)
Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. Schoo
Married Unmarried (include single,
Separated divorced, widowed)
Dependents (not listed by Co-Borrower) Married Unmarried (include single,
Separated divorced, widowed)
Dependents (not listed by Borrower)
no. ages no. ages
Present Address (street, city, state, ZIP) Own Rent ______ No. Yrs. Present Address (street, city, state, ZIP) Own Rent ______ No. Yrs.
Mailing Address, if dif ferent f rom Present Address Mailing Address, if dif ferent f rom Present Address
I. TYPE OF MORTGAGE AND TERMS OF LOAN
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Borrower III. BORROWER INFORMATION Co-Borrower
X
x
53502375
228,809.00 3.750 360x
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535 1
1981
X x
165,000.00 171,895.00Cash Out DebtConsolidation
Alan I Goldberg To be determined inescrow X
2014
ALAN I GOLDBERG
020-30-3380 (661)350-1916 07/31/1939 12
X
X 4
1217 E Avenue J5, Lancaster, CA 93535
0
Borrower: ______
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 2
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs. Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs.
Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employ er Self Employed Yrs. on this job
Yrs. employed in thisline of work/profession
Yrs. employed in thisline of work/profession
Position/ Title/ Ty pe of Business Business Phone (incl. area code) Position/ Title/ Ty pe of Business Business Phone (incl. area code)
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name & Address of Employer Self Employed Dates (f rom - to) Name & Address of Employ er 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 Self Employed Dates (f rom - to) Name & Address of Employ er 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)
Gross
Monthly Income Borrower Co-Borrower Total
Combined Monthly
Housing Expense Present Proposed
Base Empl. Income* $ $ $ Rent $
Overtime First Mortgage (P&I) $
Bonuses Other Financing (P&I)
Commissions Hazard Insurance
Dividends/Interest Real Estate Taxes
Net Rental Income Mortgage Insurance
Other (before completing, see
the notice in "describe other
income," below)
Homeowner Assn. Dues
Other:
Total $ $ $ Total $ $
* 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 for repaying this loan.
B/C Monthly Amount
$
Borrower IV. EMPLOYMENT INFORMATION Co-Borrower
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
2 yrsretired
2
retired
0.00
3,865.00
3,865.00
3,865.00
3,865.00
818.07
66.43
145.07
1,029.57
1,059.65
66.43
145.07
1,271.15
B PENSION 3,704.00
B SOCIAL SECURITY 161.00
Borrower: ______
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 3
This Statement and any appli cab le support ing schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are
suffi ciently 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 Jointly Not Jointly
ASSETS
Description
Cash orMarket Value
Liabilities and Pledged Assets. List the creditor's name, address and account number forall outstanding debts, including automobile loans, revolving charge accounts, real estateloans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary.Indicate by (* ) those liabilities, which will be satisfied upon sale of real estate owned oupon refinancing of the subject property.Cash deposi t toward purchase held by : $
List checking and savings accounts below LIABILITIES
Monthly Payment &
Months Left to Pay
Unpaid Balance
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $ Acct. no.
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $ Acct. no.
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $ Acct. no.
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $ Acct. no.
VI. ASSETS AND LIABILITIES
X
NEW AMRCN FU
9659124102768
1,030.00* 166
171,895.00
SYNCB/SAMS CLUB DCPO BOX 981400, ELPASO, TX 79998
25.00R
726.00
521333109770
CHRYSLER CAPITAL91 WALL STREET POB666, MADISON, CT06443
30000132711181000
418.0022
9,607.00
BK OF AMER400 CHRISTIANA RD, ,
599.00* R
32,908.00
4264511020059548
Borrower: ______
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 4
Stocks & Bonds (Companyname/number & description)
$ Name and address of Company $ Payment/Months $
Acct. no.
Life Insurance net cash value
Face amount: $
$ Name and address of Company $ Payment/Months $
Subtotal Liquid Assets $
Real estate owned (enter market value
from schedule of real estate owned)
$
V ested interest in retirement f und $
Net worth of business(es) owned
(attach financial statement)
$
Acct. no.
Automobiles owned (make and year) $ Alimony/Child Support/Separate
Maintenance Payments Owed to:
$
Other Assets (itemize) $ Job-Related Expense (child care, union dues, etc.) $
Total Monthly Payments $
Total Assets a. $ $ Total Liabilities b. $
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Property Address (enter S if sold, PS if pending
sale or R if rental being held for income)
Type of
Property
Present
Market Value
Amount of
Mortgages & Liens
Gross
Rental Income
Mortgage
Payments
Insurance,
Maintenance,Taxes & Misc.
Net Rental
Income
$ $ $ $ $ $
Totals $ $ $ $ $ $
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
VI. ASSETS AND LIABILITIES (cont' d)
Net Worth
(a minus b)
245,000.00
245,000.00
BK OF AMER 137.00R
8,446.00
4888936028433930
AMEXP.O. BOX 297871, ,
2.30R
115.00
-3499921673111803
753.30
214,339.00 30,661.00
1217 E Avenue J5,Lancaster, CA 93535
SFR245,000.00 171,895.00 211.50 0.0
245,000.00 171,895.00 211.50 0.00 0.00
Borrower: ______
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 5
a. Purchase price$
If you answer "Yes" to any questions a through i,please use continuation sheet for explanation.
Borrower Co-Borrower
b. Alterations, improvements, repairs Yes No Yes No
c. Land (if acquired separately) a. Are there any outstanding judgments against you?
b. Have you been declared bankrupt within the past 7 years?
c. Have you had property foreclosed upon or given title
or deed in lieu thereof in the last 7 years?
d. Are you a party to a lawsuit?
d. Ref inance (incl. debts to be paid off)
e. Estimated prepaid items
f. Estimated closing costs e. Have you directly or indirectly been obligated on any
loan which resulted in foreclosure, transfer of titlein lieu of foreclosure, or judgment?
(This would include such loans as home mortgage loans, SBA loans,home improvement loans, educational loans, manufactured (mobile) homeloans, any mortgage, financial obligation, bond, or loan guarante e. If" Yes," provide details, including date, name and address of Lender, FHAor VA case number, if any, and reasons for the action.)
g. PMI, MIP, Funding Fee
h. Discount (if Borrower will pay)
i. Total costs (add items a through h)
j. Subordinate fi nancing f. Are you presently delinquent or in default on any Federal debt orany other loan, mortgage, f inancial obligati on, bond, or loanguarantee?
k. Borrower's closing costs paid
by Seller g. Are you obligated to pay alimony, child support, or separatemaintenance?
l . Other Credits (explain)
h. Is any part of the down payment borrowed?
i. Are you a co-maker or endorser on a note?
j. Are you a U.S. citizen?
m. Loan amount (exclude PMI, MIP,
Funding Fee f inanced) k. Are you a permanent resident alien? n. PMI, MIP, Funding Fee financed
l. Do you intend to occupy the property as your primary residence?
If " Yes," complete question m below.
o. Loan amount (add m & n) m. Have you had an ownership interest in a property in the last threeyears?
p. Cash from/to Borrower
(subtract j, k, l & o from I)
(1) What type of property did you own - principal residence (PR),
second home (SH), or investment property (IP)?
(2) How did you hold title to the home - by yourself (S),
jointly with your spouse (SP), or jointly with another person (O)?
Each of the undersigned specific ally represents to Lender and to Lender' s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successorsand 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 andthat any intentional or negligent m isrepresentation of this information c ontained in this application may result in civil liabili ty, including monetary damages, to any personwho 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 lim ited to, f ineor 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") wilbe 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 thisapplicati on ; (6) t he Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan isapproved; (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 f acts that I have represented herein should changeprior 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 toany 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 applicablefederal and/or state laws (excluding audio and video recordings), or my facsimi le transmission of this application containing a facsimile of my signature, shall be aseffective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgment. Each of the undersigned hereby acknowledges that any owner o f t he Loan, its servicers, succ essors and assigns, may verify or reverify anyinformation contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including asource named in this application or a consumer reporting agency.
Borrower's Signature
X
Date Co-Borrower' s Signature
X
Date
VII. DETAILS OF TRANSACTION VIII. DECLARATIONS
IX. ACKNOWLEDGMENT AND AGREEMENT
0.00
204,803.00
1,083.35
2,605.007,309.50
215,800.85
0.00
221,500.00
7,309.00
228,809.00
-13,008.15
XXX
X
X
X
X
X
X
X
X
X
X
PR
S
06/17/15 01:59:52 PM PDT
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 6
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equa
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 ethnic ity, 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 f urnish 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.)
Alaska Native
Other Pacific Islander
Black or African American
Alaska Native
Other Pacif ic Islander
To be Completed by Loan Originator:
This information was provided:
Loan Originator' s Signature
X
Date
Loan Originator's Name (print or type) Loan Originator Identif ier Loan Originator's Phone Number (including area code)
Loan Origination Company 's Name Loan Origination Company Identif ier Loan Origination Company 's Address
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information
Ethnicity: Hispanic or Latino Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino
Race: American Indian or Asian Black or Af rican American
Native Hawaiian or White
Race: American Indian or Asian
Native Hawaiian or W hite
Sex: Female Male Sex: Female Male
In a face-to-face interview
In a telephone interview
By the applicant and was submitted by fax or mail
By the applicant and submitted via e-mail or the Internet
X
X
X
X
DAVID FERGUSON REESE
06/17/15
(480)776-2555
401 W. BASELINE RD. #102,TEMPE, ARIZONA 85283
173439
1ST RATE HOME MORTGAGE,INC.
37411
Borrower: ______
06/17/15 01:53:42 PM PDT
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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page
Use this continuation sheet if you need
more space to complete the Residential
Loan Application. Mark B for Borrower
or C for Co-Borrower
Borrower: Agency Case Number:
Co-Borrower: Lender Case Number:
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, et seq.
Borrower's Signature
X
Date Co-Borrower' s Signature
X
Date
CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
53502375
Additional Joint Liabilities
Name/Address Account #/Type Monthly Payment Months Left Unpaid Balance
_______________________________ ________________ _______________ ___________ ______________WYNDHAM VO 411501869 $171.00 68 $11,767.00
INSTALLMENT
ALAN I GOLDBERG
7
Under California Civil Code 1812.30(j) "Credit applications for theobtainment of money, goods, labor, or services shall clearly specify thatthe applicant, if married, may apply for a separate account."
06/17/15 02:00:50 PM PDT
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OOD FAITH ESTIMATE (HUD-GFE)FE.LTR 10/31/11 Page 1 of 3
OMB Approval No. 2502-
GOOD FAITH ESTIMATE (GFE)
Name of Originator Borrower
Originator Address Property Address
Originator Phone Number
Originator Email Date of GFE
URPOSE This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more information, see HSpecial Information Booklet on settleme nt charges, your Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/re
If you decide you would like to proceed with this loan, contact us.
HOPPING FOROUR LOAN
Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find the best loan. Use the shopping ch
page 3 to compare all the offers you receive.
MPORTANTDATES
1. The interest rate for this GFE is available through . After this time, the i nt erestsome of your loan Origination Charges, and the monthly payment shown below can change until you lock your interest rate.
2. This estimate for all other settlement charges is available through .
3. After you lock your interest rate, you must go to settlement within days (your rate lock period) to receive the locked interest
4. You must lock the interest rate at least days before settlement.
UMMARY OFOUR LOAN
Your initial loan amount is $
Your loan term is years
Your initial interest rate is %
Your initial monthly amount owed for principal, interest, and any mortgage
insurance is $ per month
Yes, it can rise to a maximum of
The f irst change will be in
Yes, it can rise to a maximum of $
principal, interest, and any mortgage insurance rise?
Yes, the first increase can be in
and the monthly amount o
can rise to $ . The maxim
can ever rise to is $ .
Ye s , y o u r ma x imu m p re p a y men t p e n a l
$ .
Y e s , y o u h a v e a b a l l o o n p a y m e n t
$ due in y
SCROWACCOUNT
NFORMATION
Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in addition to your mon
amount owed of $ .
Do we require you to have an escrow account for your loan?
UMMARYOF YOUR
ETTLEMENT
CHARGES
Your Adjusted Origination Charges (See page 2.) $
B Your Charges for All Other Settlement Services (See page 2.) $
+ B $
Can your interest rate rise? No
Ev en if you make pay ments on time, can y our loan balanc e rise? No
Even if you make payments on time, can your monthly amount owed for No
Does your loan have a prepayment penalty? No
Does your loan have a balloon payment? No
No, you do not have an escrow account. You must pay these charges directly when due.
Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
A
A Total Estimated Settlement Charges
DAVID FERGUSON REESE (NMLS # 173439)
1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)
401 W. BASELINE RD. #102
TEMPE, ARIZONA 85283
(480)776-2555
ALAN I GOLDBERG
1217 E AVENUE J5
LANCASTER, CALIFORNIA 93535
JUNE 17, 2015
AUGUST 3, 2015
AUGUST 3, 2015
NA
45
228,809.00
30
3.750
1,059.65
X
X
X
X
X
1,059.65
X
1,590
9,857
11,447
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OOD FAITH ESTIMATE (HUD-GFE)FE.LTR 10/31/11 Page 2 of 3
NDERSTANDINGOUR ESTIMATEDETTLEMENT
CHARGES1. Our origination charge
This charge is for getting this loan for you.
2. Your credit or charge (points) for the specific interest rate chosen
% is included in "Our originationcharge" . (See item 1 above.)
for this interest rate of %.This credit reduces your settlement charges.
for this interest rate of %.
This charge (points) increases your total settlement charges.
The tradeoff table on page 3 shows that you can change your total settlement charges by choosing a dif ferent
interest rate for this loan.
Your Adjusted Origination Charges $
Some of t heseharges canhange atettlement.
See the topf page 3 for
more information.
3. Required services that we select
These charges are for services we require to complete your settlement. We will choose the providers of
these services.
Service Charge Service Charge
4. Title services and lender's title insurance
This charge includes the services of a title or settlement agent, for example, and title insurance to protect
the lender, if required.
5. Owner's title insurance
You may purchase an owner's ti tle insurance policy to protect your interest in the property.
6. Required services that you can shop for
These charges are for other services that are required to complete your sett lement. We can identify providers of
these services or you can shop for them yourself. Our estimates for providing these services are below.
Service Charge Service Charge
7. Government recording charges
These charges are for state and local fees to record your loan and title documents.
8. Transfer taxes
These charges are for state and local fees on mortgages and home sales.
9. Initial deposit for your escrow account
This charge is held in an escrow acc ount to pay futur e recurri ng charges on your property and includes
other
.
10. Daily interest charges
This charge is for the daily interest on your loan from the day of your settlement until the f irst day of the
next month or the first day of your normal mortgage payment cyc le. This amount is
$ per day for days (if your settlement is ).
11. Homeowner's insurance
This charge is for the insurance you must buy for the property to protect from a loss, such as fire.Policy Charge
B Your Charges for All Other Settlement Services $
+ B $
Your Adjusted Origination Charges
The credit or charge for the interest rate of
You receive a credit of $
You pay a charge of $
A
Your Charges for All Other Settlement Services
all property taxes, all insurance, and
A Total Estimated Settlement Charges
1,590
X 3.750
0
1,590
APPRAISAL FEE 450.00
CREDIT REPORT 15.00
VA FUNDING FEE 7,309.50
NOT APPLICA
900
7,774
100
0
0
X X
265
352
23.5078 15 JULY 24, 2015
HAZARD INS. PREMIUM 465.01
465
9,857
11,447
8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791
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OOD FAITH ESTIMATE (HUD-GFE)FE.LTR 10/31/11 Page 3 of 3
NSTRUCTIONS
NDERSTANDINGWHICH CHARGESCAN CHANGE AT
ETTLEMENT
This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs. Compare
charges on the HUD-1 with the charges on this GFE. Charges can change if you select y our own provider and do not use the companies w
identify. (See below for details.)
Required services that you can shop f
you do not use companies we identify
Titl e services and lender's tit le insur(if you do not use companies we iden
Owner's title insurance (if you do not
companies we identify)
Initial deposit for your escrow accoun
Daily interest charges
Homeowner's insurance
SING THERADEOFF TABLE
In this GFE, we of fered you this loan with a particular interest rate and estimated settlement charges. However:
If you would like to choose an available option, you must ask us for a new GFE.
Loan originators have the option t o complete this t able. Please ask for additional information if t he table is not completed.
Your initial loan amount $ $ $
Your initial interest rate1 % %
Your initial monthly amount owed $ $ $
Change in the monthly amount owed from
this GFE
No change You will pay $
more every month
You will pay $
less every month
Change in the amount you will pay at
settlement with this interest rate
No change Your sett lement charges will be
reduced by $
Your settlement charges
increase by $
How much your total estimated settlem ent
charges will be
$ $ $
1For an adjustable rate loan, the comparisons above are for t he initial i nterest rate before adjustments are made.
SING THEHOPPING CHART
Use this chart to compare GFEs from dif ferent loan originators. Fill in the inf ormation by using a dif ferent column f or each GFE you receiv
By comparing loan offers, you can shop for the best loan.
Loan originator name
Initial loan amount
Loan term
Initial interest rate
Initial monthly amount owed
Rate lock period
Can interest rate rise?
Can loan balance rise?
Can monthly amount owed rise?
Prepayment penalty?
Balloon payment?
F YOUR LOANS SOLD INHE FUTURE
Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or the char
you paid at settlement.
These charges
cannot increase
at settlement:
The total of these charges
can increase up to 10%
at settlement:
These charges
can change
at settlement:
Our origination charge
Your credit or charge (points) for the specific
rate chosen (after you lock in your interest rate)Your adjusted origination charges (after you
lock in your interest rate)
Transfer taxes
Required services that we select
Tit le services and lender's tit le insurance (if
we select t hem or you use companies we identify)
Owner's title insurance (if you use
companies we identify )
Required services that you can shop for
(if y ou use companies we identify )
Government recording charges
If you want to choose this same loan with lower settlement charges, then you will have a higher interest rate.
If you want to choose this same loan with a lower interest rate, then you will have higher settlement charges.
The loan in this GFEThe same loan with
lower sett lement charges
The same loan with a
lower interest rate
This loan Loan 2 Loan 3 Loan 4
Total Estimated Settlement Charges
228,809.00
3.750
1,059.65
11,447.85
1ST RATE HOME
$228,809.00
30 Year(s)
3.750%
$1,059.65
45 Day(s)
NO
NO
NO
NO
NO
$11,447.85
8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791
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ACKNOWLEDGMENT OF RECEIPT OF GOOD FAITH ESTIMATE12 CFR 1024.7(f)(4)AR.GFE 12/30/11
ACKNOWLEDGMENT OF RECEIPT
OF GOOD FAITH ESTIMATE
Date:
Name of Originator:
Borrower Name(s):
Property Address:
Each of the undersigned Borrower(s) hereby acknowledges receipt of a copy of the Good Faith Estimate ("GFE"),dated . This Acknowledgment is not intended to be, nor shall it be construed as, an
expression of an intent to continue with Borrower(s)' loan application covered by the GFE.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
JUNE 17, 2015
Loan Number: 53502375
DAVID FERGUSON REESE (NMLS # 173439)
1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)
ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
JUNE 17, 2015
ALAN I GOLDBERG
06/17/15 02:02:44 PM PDT
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SETTLEMENT SERVICES PROVIDER LIST12 CFR 1024.7SSPL.GFE 12/30/11 Page 1 of 2
SETTLEMENT SERVICES PROVIDER LIST
Date:
Name of Originator:
Borrower Name(s):
Property Address:
The loan originator who issued the GFE to you, the Borrower(s), is permitting you to shop for the third party settlement
services listed below. This list also contains the names, addresses, and telephone numbers of the settlement service providers
who can provide the services described. Our providing you with this list is not to be construed in any way as an endorsement
of any of the service providers listed below. You are also under no obligation to select any of the settlement service providers
shown on this list and are free to shop and select your own service provider for any of the services listed below. The estimate
of charges for the settlement services listed below that are reflected on the GFE is based on the charges of the particular service
provider listed. The HUD-1 Settlement Statement will reflect the name and actual charges of the provider ultimately selected
by you as well as other settlement services selected directly by the loan originator of the GFE. If no service providers are listed
below, the loan originator is not permitting you to shop for any third party settlement services.
ServiceService Provider Name,
Address and Telephone NumberAffiliated
Business (Y/N)
JUNE 17, 2015
Loan Number: 53502375
DAVID FERGUSON REESE1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
Title & Escrow
NexTitle Agency - 480-385-7200
9500 E Ironwood Square Dr STE 125
Scottsdale, AZ 85258
N
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SETTLEMENT SERVICES PROVIDER LIST12 CFR 1024.7SSPL.GFE 12/30/11 Page 2 of 2
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Loan Number: 53502375
ALAN I GOLDBERG
06/17/15 02:02:59 PM PDT
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ANTI-STEERING DISCLOSURE OF LOAN OPTIONSASDOLO.MSC 11/26/12 Page 1 of 2
ANTI- STEERING DISCLOSURE OF LOAN OPTIONS
Date:
Borrower(s):
Property Address:
To comply with the anti-steering prohibitions found in Regulation 12 CFR 226.36(e), your loan originator must provide you
loan options from the creditors with whom the originator regularly does business with and are for the type of transaction: 1.
You have expressed interest in and 2. Originator feels in good faith that you may qualify. The three examples below meet the
criteria of disclosure set forth in the rule however may or may not take into consideration all of the items that may be important
to you in finding a loan that is in your best interest. You DO NOT have to choose one of the disclosed options.
FIXED INTEREST RATE OPTIONS (if applicable)
Loan Option 1 -
Lowest Rate
Loan Option 2 -
Lowest Origination Fees/Points
Loan Option 3 -
Lowest Rate without Risky Features1
Description
Interest Rate
Origination/Fees
Discount Points
ADJUSTABLE INTEREST RATE OPTIONS2 (if applicable)
Loan Option 1 -
Lowest Rate
Loan Option 2 -
Lowest Origination Fees/Points
Loan Option 3 -
Lowest Rate without Risky Features3
Description
Interest Rate
Origination/Fees
Discount Points
1 "Risky Features" include, but are not limited to, loans with prepayment penalties planned negative amortization, interest only payments, balloon payment
in first seven years, demand features, shared equity, or shared appreciation.
2 ARM's should be disclosed at fully indexed rate if start rate is for less than 5 years. If initial rate is fixed for 5 or more years, loan can be disclosed atstart rate.
3 See item 1.
Loan Number: 53502375
JUNE 17, 2015
ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
VA - 30/YR Fixed VA - 30/YR Fixed VA - 30/YR Fixed
3.50% 4.00% 3.50%
$5,720.23 $5,720.230
0 0 0
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ANTI-STEERING DISCLOSURE OF LOAN OPTIONSASDOLO.MSC 11/26/12 Page 2 of 2
By signing below, I hereby acknowledge receipt of this disclosure.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
ALAN I GOLDBERG
06/17/15 02:03:18 PM PDT
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ANSWERS TO THE MOST FREQUENTLY ASKEDTRUTH-IN-LENDING QUESTIONSZLET2.LSR 02/15/12 Page 1 of 2
ANSWERS TOTHE MOST FREQUENTLY ASKED
TRUTH-IN-LENDING QUESTIONS
ANNUAL PERCENTAGE RATE
The cost of your credit at a yearly rate.
FINANCE CHARGE
The dollar amount the credit
will cost you.
AMOUNT FINANCED
The amount of credit
provided to you or on your
behalf
TOTAL OF PAYMENTS
The amount you will have paid
after you have made all
payments as scheduled.
A % $ B $ C $ D
Q. What is a Truth-In-Lending Disclosure and why do I receive it?A. The Disclosure is designed to give you information about the costs of your loan so that you may compare these costs with
those of other loan programs or lenders.
Q. What is the ANNUAL PERCENTAGE RATE? (Box "A" Above)
A. The Annual Percentage Rate (A.P.R.) is the cost of your credit expressed as an annual rate. Because you may be payingloan discount "points" and other "prepaid" finance charges at closing, the A.P.R. disclosed is often higher than the interestrate on your loan. This A.P.R. can be compared to the A.P.R. on other loan programs to give you a consistent means
of comparing rates and programs.
Q. Why is the ANNUAL PERCENTAGE RATE different from the interest rate for which I applied?A. The A.P. R. is computed from the Amount Financed and based on what your proposed payments will be on the actual loan
amount credited to you at settlement. In a $50,000 loan with $2,000 Prepaid Finance Charges, a 30 year term, and a fixedinterest rate of 12%, the payments would be $514.31 (principal and interest). Since the A.P.R. is based on the AmountFinanced ($48,000), while the payment is based on the actual loan amount given ($50,000), the A.P.R. (12.553%) is
higher than the interest rate.
Q. What is the Finance Charge? (Box "B" Above)A. The Finance Charge is the cost of credit expressed in dollars. It is the total amount of interest calculated at the interest
rate over the life of the loan, plus Prepaid Finance Charges and the total amount of any required mortgage insurancecharged over the life of the loan.
Q. What is the AMOUNT FINANCED? (Box "C" Above)A. The Amount Financed is the loan amount applied for, minus the Prepaid Finance Charges. Prepaid Finance Charges
include items paid at or before settlement, such as loan origination, commitment or discount fees ("points"), adjustedinterest, and initial mortgage insurance premium. The Amount Financed is lower than the amount you applied for because
it represents a NET figure. If you applied for $50,000 and the Prepaid Finance Charges total $2,000, the AmountFinanced would be $48,000.
Loan Number: 53502375
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ANSWERS TO THE MOST FREQUENTLY ASKEDTRUTH-IN-LENDING QUESTIONSZLET2.LSR 02/15/12 Page 2 of 2
Q. Does this mean I will get a smaller loan than I applied for?
A. No. If your loan is approved in the amount requested, you will receive credit toward your home purchase or refinancefor the full amount for which you applied. In the example above, you would therefore receive a $50,000, not a $48,000
loan.
Q. What is the TOTAL OF PAYMENTS? (Box "D" Above)
A. This figure represents the total amount you will have paid if you make the minimum required payments for the entire termof the loan. This includes principal, interest and mortgage insurance premiums, but does not include payments for real
estate taxes or property insurance premiums.
Q. My Disclosure says that if I pay the loan off early, I will not be entitled to a refund of part of the finance charge.
What does this mean?
A. This means that you will be charged interest for the period of time in which you used the money loaned to you. Yourprepaid finance charges are generally not refundable, nor is any interest which has already been paid.
Q. What is the filing fee?
A. The Filing Fee is an estimate of the cost of recording the legal documents, mortgage, deed of trust, deeds connected with
your transaction. The fee will be charged at settlement, please do not send it now.
Loan Number: 53502375
8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791
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EDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTMODEL FORM H-4(E)
ILFL.DSC 03/03/15 Page 1 of 2
FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
oan Number: Date:
Creditor:
ddress:
orrower(s):
ddress:
Disclosures marked with an " x" are applicable:
PERCENTAGERATEThe cost of your credit as
a yearly rate
%
CHARGE
The dollar amount the
credit will cost you.
$
Financed
The amount of credit provided
to you or on your behalf.
$
Payments
The amount you will have
paid after you have made all
payments as scheduled.
$
Total Sale Price
The total cost of your
purchase on credit including
your down-payment of
$
$
INTEREST RATE AND PAYMENT SUMMARY
Interest Rate %
Principal + Interest Payment $
$
$
There is no guarantee that you will be able to refinance to lower your rate and payments.
www.docmagic.c
ANNUAL FINANCE Amount Total of
Est. Taxes + Insurance (Escrow)
DEMAND FEATURE: This obligation has a demand feature.
VARIABLE RATE FEATURE: Your loan contains a variable rate feature. Disclosures about the variable rate feature have been provided to you ea
53502375 JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
401 W. BASELINE RD #102, TEMPE, ARIZONA 85283
ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
4.113 162,517.28 218,956.88 381,474.16 N/A
Rate & Monthly Payment
3.750
1,059.65X
Includes Mortgage Insurance 66.43
Total Est. Monthly Payment 1,126.08
8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791
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EDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTMODEL FORM H-4(E)
ILFL.DSC 03/03/15 Page 2 of 2
PROPERTY INSURANCE: You may obtain fi re and other hazard insurance from anyone you want that is acceptable to the Creditor.
SECURITY: You are giving a security interest in:
Real property you already own.
FILING FEES: $
LATE CHARGE: If payment is more than days late, you will be charged % of the
PREPAYMENT: If you pay off early, you
ASSUMPTION: Someone buying your property
may not assume the remainder of your loan on the original terms.
See your contract documen ts for any additional information about nonpayment, default, any required repayment in full before the scheduled date
prepayment refunds and penalties.
ach of the undersigned acknowledges receipt of a complete copy of this disclosure. The disclosure does not constitute a contract or a commitment to
pplicant Date
pplicant Date
pplicant Date
Applicant
Applicant
Applicant
www.docmagic.c
The goods or property being purchased
may will not have to pay a penalty.
may will not be entitled to a ref und of part of the f inance charge.
may may, subject to conditions
" e" means an estimate all dates and numerical disclosures, except the late payment disclosures, are estimates.
Loan Number: 535023
NO OBLIGATION: You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
X
90.00
15 4.000 payment.
X
X
X
X
ALAN I GOLDBERG
06/17/15 02:03:53 PM PDT
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MORTGAGE LOAN ORIGINATION AGREEMENT
Mortgage Broker Name:
Office Address and
Telephone Number:
Applicant(s):
Property Address:
You, the applicant(s), agree to enter into this Mortgage Loan Origination Agreement (the "Agreement") with the above-named
mortgage broker ("we," "us" and "our") as an independent contractor to apply for a residential mortgage loan from a
participating lender with which we from time to time contract upon such terms and conditions as you may request or a lender
may require. You inquired into mortgage us on . We are licensed as a "Mortgage
Broker" under.
SECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan we are acting as an independent
contractor and not as your agent. We will enter into separate independent contractor agreements with various lenders. While
we seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market
and cannot guarantee the lowest price or best terms available in the market.
SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products
to us at a wholesale rate. The retail price we offer you--your interest rate, total points and fees--will include our compensation.
In some cases, we may be paid all of our compensation by either you or the lender. Alternatively, we may be paid a portion
of our compensation by both you and the lender. For example, in some cases, if you would rather pay a lower interest rate,
you may pay higher up-front points and fees. Also, in some cases, if you would rather pay less up-front, you may be able to
pay some or all of our compensation indirectly through a higher interest rate in which case we will be paid directly by thelender. We also may be paid by the lender based on: (i) the value of the mortgage loan or related servicing rights in the market
place, or (ii) other services, goods or facilities performed or provided by us to the lender.
By signing below, you acknowledge receipt of a copy of this signed Agreement.
Applicant Date
Applicant Date
Applicant Date
Applicant Date
Applicant Date
Applicant Date
Loan Number: 53502375
1ST RATE HOME MORTGAGE, INC
(866)200-9989
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
ALAN I GOLDBERG
06/17/15 02:04:04 PM PDT
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LOAN SERVICING DISCLOSURE STATEMENT
LSDS6.MSC 06/25/14
SERVICING DISCLOSURE STATEMENT
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS:
THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED
Date:
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601 et
seq.). RESPA gives you certain rights under Federal law. This statement describes whether the servicing for this loan may
be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest, and escrow payments, if
any, as well as sending any monthly or annual statements, tracking account balances, and handling other aspects of your loan.
You will be given advance notice before a transfer occurs.
Check the appropriate box under "Servicing Transfer Information."
SERVICING TRANSFER INFORMATION
We may assign, sell, or transfer the servicing of your loan while the loan is outstanding.
or
We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer the
servicing of your mortgage loan before the first payment is due.
or
The loan for which you have applied will be serviced at this financial institution and we do not intend to sell, transfer ,
or assign the servicing of the loan.
ACKNOWLEDGMENT OF MORTGAGE APPLICANT
I/We have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below. I/We understand
that this acknowledgment is a required part of the mortgage loan application.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
1ST RATE HOME MORTGAGE, INC401 W. BASELINE RD #102TEMPE, ARIZONA 85283
Loan Number: 53502375
JUNE 17, 2015
X
ALAN I GOLDBERG
06/17/15 02:04:12 PM PDT
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CONSUMER CREDIT SCORE DISCLOSURECALIFORNIA CIVIL CODE §§1785.20.2 AND 1785.15.1CACCS.DSC 10/30/12 Page
CONSUMER CREDIT SCORE DISCLOSURE
Loan Number:
Date:
Provided By:
Borrower:
Property Address:
The following notice is required under federal law:
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumerreporting agency distributed to users and the lender used in connection with your home loan, and the key factorsaffecting your credit scores.
The credit score is a computer generated summary calculated at the time of the request and based on informationthat a consumer reporting agency or lender has on file. The scores are based on data about your credit history andpayment patterns. Credit scores are important because they are used to assist the lender in determining whether youwill obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage.Credit scores can change over time, depending on your conduct, how your credit history and payment patternschange, and how credit scoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company
to another.If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lenderdeveloped or generated the credit score. The consumer reporting agency plays no part in the decision to take anyaction on the loan application and is unable to provide you with specific reasons for the decision on a loanapplication.
If you have questions concerning the terms of the loan, contact the lender.
The following notice is required under California law:
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a credit bureaudistributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.
The credit score is a computer generated summary calculated at the time of the request and based on informationa credit bureau or lender has on file. The scores are based on data about your credit history and payment patterns.Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores canchange over time, depending on your conduct, how your credit history and payment patterns change, and how creditscoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one companyto another.
If you have questions about your credit score or the credit information that is furnished to you, contact the creditbureau at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The credit bureau plays no part in the decision to take any action on the loan applicationand is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
Contact Information:
JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
ALAN I GOLDBERG
1ST RATE HOME MORTGAGE, INC
401 W. BASELINE RD #102TEMPE, ARIZONA 85283(866)200-9989
53502375
1
___________________________________Borrower Date
By signing below, the undersigned hereby acknowledges receipt of a copy of this disclosure.
06/17/15 02:04:23 PM PDT
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8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEQ.MSC 04/23/14
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE
Loan Number:
Date:
Borrower:
Property Address:
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Source: Date:
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether youpay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
Your credit score can affect whether you can get a loan and how much you will have to pay forthat loan.
Scores range from a low of to a high of .
Generally, the higher your score, the more likely you are to be offered better credit terms.
www.docmagic.com
Your Credit Score
Your credit score
Understanding Your Credit Score
What you should knowabout credit scores
How we use yourcredit score
The range of scores
How your scorecompares to the scoresof other consumers
Key factors thatadversely affectedyour credit score
53502375
JUNE 17, 2015
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
1ST RATE HOME MORTGAGE, INC
694Equifax 06/16/2015
280 850
LEVEL OF DELINQUENCY ON ACCOUNTS
TOO MANY INQUIRIES LAST 12 MONTHS
HIGH BALANCE OWED ON REVOLVING ACCOUNTS
LATEST ACCOUNT OPENED TOO RECENTLY
Initial: _________
Page 1
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEQ.MSC 04/23/14
You have a right to dispute any inaccurate information in your credit report. If you findmistakes on your credit report, contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the information it contains is accurate.
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.
To order your free annual credit report:
By telephone: Call toll-free: 1-877-322-8228
On the web: Visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form (which you canobtain from the Federal Trade Commission' s web site athttp://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request ServiceP.O. box 105281Atlanta, GA 30348-5281
For more information about credit reports and your r ights under federal law, visit the ConsumerFinancial Protection Bureau' s website at www.consumerfinance.gov/learnmore.
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reportingagency distributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.
The credit score is a computer generated summary calculated at the time of the request and based on information thata consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment
patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.
Because the score is based on information in your credit history, it is very important that you review the credit-relatedinformation that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loanapplication and is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
www.docmagic.com
Checking Your Credit Report
What if there aremistakes in yourcredit report?
How can you obtain acopy of your credit
report?
How can you getmore information?
Initial: _________
Page 2
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEQ.MSC 04/23/14
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided below:
www.docmagic.com
EquifaxP.O. BOX 740241ATLANTA, GA 30374(800)685-1111
Initial: _________
Page 3
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEX.MSC 04/12/13
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE
Loan Number:
Date:
Borrower:
Property Address:
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Source: Date:
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether youpay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
Your credit score can affect whether you can get a loan and how much you will have to pay forthat loan.
Scores range from a low of to a high of .
Generally, the higher your score, the more likely you are to be offered better credit terms.
Your Credit Score
Your credit score
Understanding Your Credit Score
What you should knowabout credit scores
How we use yourcredit score
The range of scores
How your scorecompares to the scoresof other consumers
Key factors thatadversely affectedyour credit score
53502375
JUNE 17, 2015
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
1ST RATE HOME MORTGAGE, INC
700Experian 06/16/2015
300 850
LEVEL OF DELINQUENCY ON ACCOUNTSTOO MANY INQUIRIES IN THE PAST 12 MONTHSBALANCE OWED ON REVOLVING ACCOUNTS IS HIGHSERIOUS DELINQUENCY
Initial: _________
Page 1
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEX.MSC 04/12/13
You have a right to dispute any inaccurate information in your credit report. If you findmistakes on your credit report, contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the information it contains is accurate.
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.
To order your free annual credit report:
By telephone: Call toll-free: 1-877-322-8228
On the web: Visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form (which you canobtain from the Federal Trade Commission' s web site athttp://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request ServiceP.O. box 105281Atlanta, GA 30348-5281
For more information about credit reports and your r ights under federal law, visit the ConsumerFinancial Protection Bureau' s website at www.consumerfinance.gov/learnmore.
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reportingagency distributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.
The credit score is a computer generated summary calculated at the time of the request and based on information thata consumer reporting agency or lender has on file. The scores are based on data about your credit history and paymentpatterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.
They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.
Because the score is based on information in your credit history, it is very important that you review the credit-relatedinformation that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loanapplication and is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
Checking Your Credit Report
What if there aremistakes in yourcredit report?
How can you obtain acopy of your credit
report?
How can you getmore information?
Initial: _________
Page 2
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEX.MSC 04/12/13
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided below:
ExperianP.O. BOX 4500ALLEN, TX 75013(888)397-3742
Initial: _________
Page 3
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDTU.MSC 04/12/13
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE
Loan Number:
Date:
Borrower:
Property Address:
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Source: Date:
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether youpay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
Your credit score can affect whether you can get a loan and how much you will have to pay forthat loan.
Scores range from a low of to a high of .
Generally, the higher your score, the more likely you are to be offered better credit terms.
Your Credit Score
Your credit score
Understanding Your Credit Score
What you should knowabout credit scores
How we use yourcredit score
The range of scores
How your scorecompares to the scoresof other consumers
Key factors thatadversely affectedyour credit score
53502375
JUNE 17, 2015
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
1ST RATE HOME MORTGAGE, INC
730Trans Union 06/16/2015
300 850
AMOUNT OWED ON ACCOUNTS IS TOO HIGHTOO MANY ACCOUNTS WITH BALANCESAMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGHLATEST ACCOUNT OPENED TOO RECENTLY
Initial: _________
Page 1
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDTU.MSC 04/12/13
You have a right to dispute any inaccurate information in your credit report. If you findmistakes on your credit report, contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the information it contains is accurate.
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.
To order your free annual credit report:
By telephone: Call toll-free: 1-877-322-8228
On the web: Visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form (which you canobtain from the Federal Trade Commission' s web site athttp://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request ServiceP.O. box 105281Atlanta, GA 30348-5281
For more information about credit reports and your r ights under federal law, visit the ConsumerFinancial Protection Bureau' s website at www.consumerfinance.gov/learnmore.
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reportingagency distributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.
The credit score is a computer generated summary calculated at the time of the request and based on information thata consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment
patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.
Because the score is based on information in your credit history, it is very important that you review the credit-relatedinformation that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loanapplication and is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
Checking Your Credit Report
What if there aremistakes in yourcredit report?
How can you obtain acopy of your credit
report?
How can you getmore information?
Initial: _________
Page 2
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RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDTU.MSC 04/12/13
If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided below:
TransUnionP.O. BOX 2000CHESTER, PA 19022-2000(800)916-8800
Initial: _________
Page 3
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DISCLOSURE NOTICESDN6.MSC 09/01/10 Page 1 of 2
DISCLOSURE NOTICESDate:
Applicant(s): Property Address:
AFFIDAVIT OF OCCUPANCYApplicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy status will
be as follows:
Primary Residence - Applicant(s) shall occupy, establish, and use the Property as Applicant(s) principal residence within 60days after closing and shall continue to occupy the Property as Applicant(s) principal residence f or at least one year after
the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or
unless extenuating circumstances exist which are beyond Borrower's control.
Secondary Residence - To be occupied by Applicant(s) at least 15 days yearly, as second home (vacation, etc .), while
maintaining principal residence elsewhere. [Please check this box i f you plan to establish it as your primary residence at
a future date (e.g., retirement)].
Investment Property - Not owner occupied. Purchased as an investment to be held or rented.
The Applicant(s) acknowledge it is a f ederal crime punishable by fine or imprisonment, or both, to knowingly make any f alse statement
concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
ANTI-COERCION STATEMENTThe insurance laws of this state provide that the lender may not require the Applicant to take insurance through any particular insurance
agent or company to protect the mortgaged property. The Applicant, subjected to the rules adopted by the Insurance Commissioner,
has the right to have the insurance placed with an insurance agent or company of his choice, prov ided the company meets the
requirement of the lender. The lender has the right to designate reasonable f inancial requirements as to the company and the adequacy
of the coverage.
I have read the foregoing statement, or the rules of the Insurance Commissioner relative hereto, and understand my rights and privileges
and those of the lender relative to the placing of such insurance.
I have selected the following agencies to write the insurance covering the property described above:
Insurance Company Name
Agent' s Address
APPLICANT SIGNATURE
APPLICANT SIGNATURE
Agent
Telephone Number
APPLICANT SIGNATURE
APPLICANT SIGNATURE
FAIR CREDIT REPORTING ACTAn investigat ion will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any
investigation will be furnished to you upon writ ten request made within a reasonable period of time. In the event of credit denial due to anunfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making such report and of your right to
request within sixty (60) days the reason for the adverse action, pursuant to provisions of section 615(b) of the Fair Credit Reporting Act.
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
Loan Number: 53502375
ALAN I GOLDBERG 1217 E AVENUE J5,
LANCASTER, CALIFORNIA 93535
X
JUNE 17, 2015
ALAN I GOLDBERG
ALAN I GOLDBERG
ALAN I GOLDBERG
06/17/15 02:13:46 PM PDT
06/17/15 02:10:33 PM PDT
06/17/15 02:06:21 PM PDT
MIKE IRWINSTATE FARM
44337 CHALLENGER WAY LANCASTER CA 93535-3861 661 940 1588
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DISCLOSURE NOTICESDN6.MSC 09/01/10 Page 2 of 2
FHA LOANS ONLY
IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST CHARGES
UNTIL THE END OF THAT MONTH.
GOVERNMENT LOANS ONLY
RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is a notice to you as required by the Right to Financial Privacy Act of 1978 that
the Department of Housing and Urban Development or Department of Veterans Affairs has a right of access to financial records held
by a f inancial institution in connection with the consideration of administration of assistance to you. Financial records involving your
transaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairs without further
notice or authorization but will not be disclosed or released to another Government agency or Department without your consent except
as required or permitted by law.
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
ALAN I GOLDBERG
06/17/15 02:13:55 PM PDT
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
31 CFR 1020.220
IICIV.MSC 03/18/13
USA PATRIOT ACT
IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
Loan Number:
Date:
Provided By:
Applicant(s):
Property Address:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires
all financial institutions to obtain, verify, and record information that identifies each person who opens an
account. What this means for you: When you open an account, we will ask for your name, address, date of
birth, and other information that will allow us to identify you. We may also ask to see your driver's license or
other identifying documents.
By signing below, I/we acknowledge that I/we have read and received a copy of this document.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
www.docmagic.com
ALAN I GOLDBERG
1ST RATE HOME MORTGAGE, INC
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
ALAN I GOLDBERG
JUNE 17, 2015
53502375
06/17/15 02:14:09 PM PDT
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DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS15 U.S.C. § 1691(e); 12 CFR § 1002.14(a)(2)DRRCA.MSC 03/03/14
DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS
Loan Number:
Date:
Lender:
Borrower(s):
Property Address:
We may order an appraisal to determine the property' s value and charge you for this appraisal. We will promptly give
you a copy of any appraisal, even if your loan does not close.
You can pay for an additional appraisal for your own use at your cost.
By signing below, I/we acknowledge that I/we have read and received a copy of this document.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
www.docmagic.com
53502375
JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
ALAN I GOLDBERG
1217 E AVENUE J5LANCASTER, CALIFORNIA 93535
ALAN I GOLDBERG
06/17/15 02:14:15 PM PDT
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FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE12 CFR 1002.9(b)ECOA.LSR 09/30/14
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE
Loan Number:
Date:
Provided By:
Borrower(s):
Property Address:
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis
of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into
a binding contract); because all or part of the applicant' s income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The Federal Agency that administers compliance with this law concerning this creditor is:
By signing below, I/we acknowledge that I/we have read and received a copy of this document.
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
Borrower Date
www.docmagic.com
53502375
Federal Trade CommissionEqual Credit OpportunityWashington, DC 20580
JUNE 17, 2015
1ST RATE HOME MORTGAGE, INC
ALAN I GOLDBERG
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
ALAN I GOLDBERG
06/17/15 02:14:21 PM PDT
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PRIVACY FORM - OPT OUT15 U.S.C. 6801 et seq.; 12 CFR 1016 Appendix APFOO.MSC 11/08/12 Page 1 of 2
Rev.
WHAT DOESDO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers theright to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, andprotect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you havewith us. This information can include:Social Security number
All financial companies need to share customers' personal information to run their everyday business.In the section below, we list the reasons financial companies can share their customers' personalinformation; the reasonschooses to share; and whether you can limit this sharing.
For our everyday business purposes -
such as to process your transactions, maintain your account(s),respond to court orders and legal investigations, or report to creditbureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes - information about your transactions and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
Call - our menu will prompt you through your choice(s)
Visit us online: orMail the form below
Please note: If you are a new customer, we can begin sharing your information days from the date wesent this notice. When you are no longer our customer, we continue to share your information asdescribed in this notice. However, you can contact us at any time to limit our sharing.
Call or go to
Leave BlankOR
Mark any/all you want to limit:Do not share information about my creditworthiness with your affiliates for their everyday
business purposes.Do not allow your affiliates to use my personal information to market to me.Do not share my personal information with nonaffiliates to market their products and services to me.
Mail to:
FACTS
Why?
What?
How?
Reasons we can share your personal informationDoes
share?Can you limitthis sharing?
To limitour sharing
Questions?
Mail-in Form
Name
Address
City, State, Zip
Loan Number: 53502375
1ST RATE HOME MORTGAGE, INC
and incomeAccount balances and payment historyCredit history and credit scores
1ST RATE HOME MORTGAGE, INC
1ST RATE HOMEMORTGAGE, INC
YES NO
(866)200-9989
30
(866)200-9989
ALAN I GOLDBERG1ST RATE HOMEMORTGAGE, INC401 W. BASELINERD #102, TEMPE,ARIZONA 85283