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Loan Estimate

DATE ISSUED APPLICANTS

PROPERTY SALE PRICE

Loan Terms Loan Amount Interest Rate

Save this Loan Estimate to compare with your Closing Disclosure.

LOAN TERM PURPOSE PRODUCT LOAN TYPE LOAN ID # RATE LOCK

30 years Purchase 5 Year Interest Only, 5/3 Adjustable Rate Conventional FHA VA _____________ 1330172608

NO YES, until

Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. All other estimated closing costs expire on

Can this amount increase after closing?

Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment

Prepayment Penalty Balloon Payment

Does the loan have these features?

Projected Payments Payment Calculation Principal & Interest Mortgage Insurance Estimated Escrow

Amount can increase over time Estimated Total Monthly Payment

Estimated Taxes, Insurance & Assessments Amount can increase over time

Costs at Closing Estimated Closing Costs

Estimated Cash to Close

This estimate includes

In escrow?

Property Taxes Homeowner's Insurance

Other:

See Section G on page 2 for escrowed property costs. You must pay for other property costs separately.

Includes

in Loan Costs +

in Other Costs ?

in Lender Credits. See page 2 for details.

Includes Closing Costs. See Calculating Cash to Close on page 2 for details.

Visit mortgage-estimate for general information and tools.

LOAN ESTIMATE

PAGE 1 OF 3 ? LOAN ID # 1330172608

Loan Estimate

DATE ISSUED APPLICANTS

PROPERTY EST. PROP. VALUE

Loan Terms Loan Amount Interest Rate

Save this Loan Estimate to compare with your Closing Disclosure.

LOAN TERM PURPOSE PRODUCT LOAN TYPE LOAN ID # RATE LOCK

30 years Purchase 5 Year Interest Only, 5/3 Adjustable Rate Conventional FHA VA _____________ 1330172608

NO YES, until

Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. All other estimated closing costs expire on

Can this amount increase after closing?

Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment

Prepayment Penalty Balloon Payment

Does the loan have these features?

Projected Payments Payment Calculation Principal & Interest Mortgage Insurance Estimated Escrow

Amount can increase over time Estimated Total Monthly Payment

Estimated Taxes, Insurance & Assessments Amount can increase over time

Costs at Closing Estimated Closing Costs

Estimated Cash to Close

This estimate includes

In escrow?

Property Taxes Homeowner's Insurance

Other:

See Section G on page 2 for escrowed property costs. You must pay for other property costs separately.

Includes

in Loan Costs +

in Other Costs ?

in Lender Credits. See page 2 for details.

Includes Closing Costs. See Calculating Cash to Close on page 2 for details.

Visit mortgage-estimate for general information and tools.

LOAN ESTIMATE

PAGE 1 OF 3 ? LOAN ID # 1330172608

Closing Cost Details

Loan Costs A. Origination Charges

% of Loan Amount (Points) Desk Review Fee Loan Origination Fee Processing Fee Rate Lock Fee Underwriting Fee Verification Fee

B. Services You Cannot Shop For Appraisal Fee Credit Report Fee Flood Determination Fee Lender's Attorney

C. Services You Can Shop For Pest Inspection Fee Survey Fee Title ? Courier Fee Title ? Lender's Title Policy Title ? Settlement Agent Fee Title ? Title Search

D. TOTAL LOAN COSTS (A + B + C)

$150 $1,000

$300 $525 $675 $200

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes Transfer Taxes es

F. Prepaids

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest (

per day for days @ )

Property Taxes ( months)

$305 $30 $35

$400

G. Initial Escrow Payment at Closing

Homeowner's Insurance per month for 3 mo. Mortgage Insurance per month for 0 mo. Property Taxes per month for 3 mo.

H. Other

Real Estate Broker Administration Fee Title ? Owner's Title Policy (optional)

$200 $1,436

$125 $150

$32 $100 $300 $150

I. TOTAL OTHER COSTS (E + F + G + H)

J. TOTAL CLOSING COSTS D + I Lender Credits

Calculating Cash to Close Total Closing Costs (J) Closing Costs Financed (Paid from your Loan Amount) Down Payment/Funds from Borrower Deposit Funds for Borrower Seller Credits Adjustments and Other Credits Estimated Cash to Close

LOAN ESTIMATE

PAGE 2 OF 3 ? LOAN ID # 1330172608

Closing Cost Details

Loan Costs A. Origination Charges

% of Loan Amount (Points) Desk Review Fee Loan Origination Fee Processing Fee Rate Lock Fee Underwriting Fee Verification Fee

B. Services You Cannot Shop For Appraisal Fee Credit Report Fee Flood Determination Fee Lender's Attorney

C. Services You Can Shop For Pest Inspection Fee Survey Fee Title ? Courier Fee Title ? Lender's Title Policy Title ? Settlement Agent Fee Title ? Title Search

D. TOTAL LOAN COSTS (A + B + C)

Adjustable Payment (AP) Table Interest Only Payments? Optional Payments? Step Payments? Seasonal Payments? Monthly Principal and Interest Payments

First Change/Amount Subsequent Changes Maximum Payment LOAN ESTIMATE

$150 $1,000

$300 $525 $675 $200

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes Transfer Taxes

F. Prepaids

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest (

per day for days @ )

Property Taxes ( months)

$305 $30 $35

$400

G. Initial Escrow Payment at Closing

Homeowner's Insurance per month for 3 mo. Mortgage Insurance per month for 0 mo. Property Taxes per month for 3 mo.

H. Other

Real Estate Broker Administration Fee Title ? Owner's Title Policy (optional)

$200 $1,436

$125 $150

$32 $100 $300 $150

I. TOTAL OTHER COSTS (E + F + G + H)

J. TOTAL CLOSING COSTS D + I Lender Credits

Calculating Cash to Close Total Closing Costs (J) Closing Costs Financed (Paid from your Loan Amount) Down Payment/Funds from Borrower Deposit Funds for Borrower Seller Credits Adjustments and Other Credits Estimated Cash to Close

Adjustable Interest Rate (AIR) Table Index + Margin Initial Interest Rate Minimum/Maximum Interest Rate Change Frequency

First Change Subsequent Changes Limits on Interest Rate Changes First Change Subsequent Changes

PAGE 2 OF 3 ? LOAN ID # 1330172608

Closing Cost Details

Loan Costs A. Origination Charges

% of Loan Amount (Points) Desk Review Fee Loan Origination Fee Processing Fee Rate Lock Fee Underwriting Fee Verification Fee

B. Services You Cannot Shop For Appraisal Fee Credit Report Fee Flood Determination Fee Lender's Attorney

C. Services You Can Shop For Pest Inspection Fee Survey Fee Title ? Courier Fee Title ? Lender's Title Policy Title ? Settlement Agent Fee Title ? Title Search

D. TOTAL LOAN COSTS (A + B + C)

Adjustable Payment (AP) Table Interest Only Payments? Optional Payments? Step Payments? Seasonal Payments? Monthly Principal and Interest Payments

First Change/Amount Subsequent Changes Maximum Payment LOAN ESTIMATE

$150 $1,000

$300 $525 $675 $200

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes Transfer Taxes

F. Prepaids

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest (

per day for days @ )

Property Taxes ( months)

$305 $30 $35

$400

G. Initial Escrow Payment at Closing

Homeowner's Insurance per month for 3 mo. Mortgage Insurance per month for 0 mo. Property Taxes per month for 3 mo.

H. Other

Real Estate Broker Administration Fee Title ? Owner's Title Policy (optional)

$200 $1,436

$125 $150

$32 $100 $300 $150

I. TOTAL OTHER COSTS (E + F + G + H)

J. TOTAL CLOSING COSTS D + I Lender Credits

Calculating Cash to Close Total Closing Costs (J) Closing Costs Financed (Paid from your Loan Amount) Down Payment/Funds from Borrower Deposit Funds for Borrower Seller Credits Adjustments and Other Credits Estimated Cash to Close

PAGE 2 OF 3 ? LOAN ID # 1330172608

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