Guide To Completing The Loan Estimate - Nmsigroup

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Guide toCompletingthe Loan EstimateWe’d like to share a common mistakes we have seen onLoan Estimate to help you make adjustments to avoiddelay in loan submission.Required Document for Submission . 2Loan Estimate . 3Written Settlement Service Provider List . 6Estimate Settlement Statement . 7Intent to Proceed, Consent to Receive Communications Electronically . 8Submission Checklist . 9TRID Timeline . 10Disclaimer: This information is intended for general information purposes with the goal of assisting NMSI’s customers in complying with thenew RESPA-TILA regulations. This information is provided as a courtesy to NMSI’s customers and NMSI makes no representation or warrantyregarding the accuracy of the information set forth herein, and you may not rely on this information to ensure your company’s compliancewith the RESPA-TILA regulations. You are advised to consult your own compliance staff or attorney regarding your specific residentialmortgage lending questions or situation to ensure your compliance with all applicable laws and regulations.

Loan EstimateNMSI, INC.Save this Loan Estimate to compare with your Closing Disclosure.3700 Wilshire Blvd. Ste. 330 Los Angeles, CA 90010Loan EstimateDATE ISSUEDAPPLICANTSPROPERTYSALE PRICELOAN TERMPURPOSE10/3/2015Michael Jones and Mary Stone123 Anywhere StreetAnytown, ST 12345456 Somewhere AvenueAnytown, ST 12345 240,000PRODUCTLOAN TYPELOAN ID #RATE LOCK30 yearsPurchase ce5 Year Interest Only, 5/3 Adjustable Ratex ConventionalFHA VAClosing Cost Details1234567891330172608NO x YES, until 4/16/2013 at 5:00 p.m. EDTLoan yourCostsBefore closing,interest rate, points, and lender credits canOther Costs Information About This LoanAdditionalchange unlessyou lock theChargesinterest rate. All other estimatedA. Originationclosing costs expire on 10/18/2013 at 5:00 p.m. EDT1 % of Loan Amount (Points)Lender FeeProcessing FeeLoan Terms 3,605 2,110 995 500Can this amount increase after closing? 211,000NOInterest Rate4%YES Adjusts every 3 years starting in year 6 703.33YES Adjusts every 3 years starting in year 6Prepayment PenaltyBalloon PaymentProjected PaymentsYears 1-5 1,352 1,000Years 6-8Years 9-11months)Prepaid Interest ( 23.44per day for 15 days @ 4.00%)PHONE213-788-3530Property Taxes ( 352months)ABC Broker, INC.678910Peter Brown11111peterbrown@abcbroker.com222-333-4444G. Initial Escrow Payment at Closingtheseto compare this loan with other loans.perUsemonthfor measures3mo.per month for 0 mo. 54,944permonth for Totalmo. you will have paid in principal, interest, mortgage insurance, and loan costs.Mortgage InsuranceInProperty5 YearsTaxes 0Annual Percentage Rate (APR)4.617%Your costs over the loan term expressed as a rate. This is not your interest rate.Total Interest Percentage (TIP)81.18%The total amount of interest that you will pay over the loan term as a 1,436percentageof your loan amount.H. OtherTitle – Owner’s Title Policy (optional) 1,436Years 12-30Other ConsiderationsPrincipal & Interest 1,028 min 1,359 max 703.33only interestMortgage Insurance 109 109Estimated Escrow 0 0 Amount can increase over timeEstimated TotalMonthly PaymentEstimated Taxes, Insurance& AssessmentsAmount can increase over time 812 1,028 min 1,604 max 1,137– 1,468a month I. TOTAL OTHER COSTS (E F G H) 2,940J. TOTAL CLOSING COSTS 8,791Appraisal—C. Services You Can Shop For0 Fee 0Pest InspectionSurvey FeeTitle – Courier FeeTitle – Lender’s Title Policy 1,137– 1,713 1,028– 2,068Title – Settlement Agent FeeTitle – Title SearchThis estimate includesx Property Taxesx Homeowner’s InsuranceOther: 533 1,028 min 2,068 max109 1,921 125 150 32 665 325 624In escrow?NONOWe may order an appraisal to determine the property’s value and charge you for thisappraisal. 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 own cost.D IAssumption 8,791 to another person, weIf you sell or transfer this propertyLender Creditswill allow, under certain conditions, this person to assume this loan on the original terms.x will not allow assumption of this loan on the original terms.Calculating Cash to CloseThis loan requires homeowner’s insurance on the property, which you may obtain from aHomeowner’sTotal Closing Costs (J) 8,791InsuranceClosing Costs Financed (Paid from your Loan Amount)Funds for BorrowerServicingEstimated Cash to Close 7,756Estimated Closing Costs 8,791Includes 5,851 in Loan Costs 2,940 in Other Costs – 0in Lender Credits. See page 2 for details.Adjustable Payment (AP) TableEstimated Cash to Close 27,791Interest OnlyPayments?Includes Closing Costs. See CalculatingCashto Close on page 2 for details.NOMonthly Principal and Interest PaymentsFirst Change/Amount 1,028 – 1,359 at 61st paymentSubsequent ChangesEvery three yearsMaximum Payment 2,068 starting at 169th paymentLOAN ESTIMATE2%2%DateCo-Applicant SignatureDateOther Disclosuresof your Loan Estimate).ABC Escrow Inc.789 Avenue C, Suite 103 Anytown, ST 12333Phone: 222.222.2222Fax: 222.222.2223Pest Inspection Fee 135123 Avenue AAnytown, ST 12345111-222-3333 65Surveyor LLCFINANCIAL CONSIDERATIONNew 1st Trust Deed Title – Insurance Binder 700Title – Lender’s Title Policy 535 Principal BalanceGamma Title Co.PAYOFF CHARGES[Total Payoff 212,531.10]DATE:November 13, 2015CLOSING DATE:ESCROW NO.:December 18, 20151234578-10NMSI INC456 Avenue B3700 WILSHIRE BLVD #330Anytown, ST 12341DEBITSbillb@surveyorllc.com LOS ANGELES, CA 90010111-333-4444213-788-3530Joanna CampbellApplicant(s):789 Avenue CAnytown, ST 12333Property Address:Mary Stone123 Anywhere Street211,500.00Title – Title Search 1,261Title – Settlement Agent FeeCREDITS280,000.00Michael JonesTitle – Settlement Agent FeeTitle – Other Title ServicesLoan Number: 113913INTENT TO PROCEED WITH APPLICATION (LE)Bill BarnesOriginator:Interest on 211,500.00 at 5.0000%joannac@gammatitle.comfrom 11/01/2015 to 12/04/2015Anytown, ST 12345222-444-5555 502 Statement FeeReconveyance FeeTitle – Lender’s Title Insurance956.10Consentto Receive Communications Electronically30.0045.00You have applied for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601TITLE/TAXES/RECORDING CHARGES - Delta Title Inc.The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Actet seq.). In accordance with RESPA, you were given an estimate of fees in good faith. Ho wever, if you do not expressCompany (046)(“ESIGN”). In order for you to receive Communications electronically in connection withyour residential mortgage 1,100Delta Title Inc.FranktoFields12/18/2015intentcontinue with your applicationon or before, the loanoriginatorno longeryouboundapplication,youmust consentto National MortgageService,Inc.isprovidingthese CommunicationsTitle - Lender's Title Insurance605.00321 Avenue DTitle - Wire feebyAnytown,the estimatethat was provided. electronically. 60.00ST 12321 1,000Title - Sub Escrow oandocuments,disclosures, andTitle - Endorsement Fee50.00thetoappraisalyouraddressyour signaturebelow, you consent to receivingBy222-444-6666signing below, I/we express intentcontinuereport.with Bytheprovidingapplicationforemailwhicha feesandestimatewas issued 350 Average Recording Fees85.00y email. Each borrower must providepbythis form even if all borrowers mayy share the same email12/03/201512/03/2015CountyTax Collector Communications1,752.93PropertyProperty TaxesTaxes 1st 20152015-1616 to LosonAngeles.addredress s.address.ABCESCROW CHARGCHARGESES - ABC Escrow! Inc.EscrowTitle - Escrow LiaLiabilitybilityy FeeExistingLienTitle - ExisTitlEExistii ting LLiien PayoffPaP yoffff ProcessingPNotaryPublic/SigningTitle - NotaTitlNt ry PubPPubliblic/Si/Signingi FeeMi h l JonesJonesMichaelOvernight/CourierTitle - OverTitlOnight/Cnight/i ht/CourieCourieri r costscos (if any)Total RefundTOTALSigned and dated the revised LE with the Change of Circumstance Formmust be uploaded under following condition;“PROVIDE THE CHANGE OF CIRCUMSTANCE FORM & BORROWER SIGNEDAND DATED REVISED LOAN ESTIMATE (COC)”Contact Information123 Anywhere StreetNMSIINC,NMLS# 994828Pest Co.JanePolkAnytown, ST 12345PROPERTY:Mary StoneBORROWER: Michael Jones and janep@pestco.comSurvey FeeIf there is a “Change of Circumstance”, the revised LE is provided toborrower within three (3) business days of the date of the change.Brokers are responsible for preparing and delivering the REVISED LE tothe borrower. (except the rate lock)Examples of Changed Circumstances;BORROWER'S ESTIMATED SETTLEMENT STATEMENTYou can select these providers or shop for your own providers.Signed Consent to Receive Communications Electronically Form.Beginning of 61st monthPAGE 3 OF 3 LOAN ID #123456789Additional Details for Services You Can Shop ForEstimateSigned & Dated Intent to Proceed.5CHANGED CIRCUMSTANCESMTA 4%4%3.25%/12%LOAN ESTIMATEService Provider List4 0PAGE 2 OF 3 LOAN ID # 123456789ServiceEstimate Settlement Statement or Preliminary Closing Disclosure. 0Adjustable Interest Rate (AIR) TableSeasonal Payments?PAGE 1 OF 3 LOANNOID # 123456789LOAN ESTIMATEWritten Settlement Service Provider List.3We intend 27,791to service your loan. If so, you will make your payments to us.x to transfer servicing of your loan.Index MarginInitial Interest RateMinimum/Maximum Interest RateChange FrequencyFirst ChangeSubsequent Changesreceivedform. Rate ChangesLimitsthison InterestFirst ChangeSubsequent ChangesApplicant SignatureNOStep Payments?for generalinformation and tools.2 0Adjustments and Other CreditsVisitSigned & Dated Broker Loan Estimate. 0Seller CreditsD.Optional Payments?1 29,000DownPayment/Funds from BorrowerLatePaymentIf your payment is more than15 days late, we will charge a late fee of 5% of the monthlyprincipal and interest payment.Deposit– 10,000See Section G on page 2 for escrowed property costs. You must pay for otherproperty costs separately.Costs at ClosingBrokers are responsible for preparing and delivering the LE and Alldisclosures to the borrower. All disclosures, including the LE, must bedated and issued within 3 business days of the Loan Application date, asindicated on the 1003/Loan Application.ComparisonsHomeowner’s Insurance 2,230 400 30 100 100 50 1,000 50 500feeDoes the loan haveAppraisalthese features?Credit report feeHOA certification feeNOGovernment funding feeThird-party subordination feeNOAn upfront mortgage insurance feeTitle – closing protection letter feeTitle – lender’s title insurance policyPayment CalculationF. OFFICERPrepaidsLOANMortgage Insurance Premium (EMAIL Can go as high as 2,068 in year 15 Includes only interest and no principal until year 6 See AP Tablepage You2 forCannotdetailsShop ForB. onServicesMORTGAGE BROKERNMLS/ LICENSE IDLOAN OFFICERNMLS/ LICENSE IDEMAILPHONENMLS/ LICENSE ID Can go as high as 12% in year 15 See AIR Table on page 2 for detailsSee Projected Payments below for yourEstimated Total Monthly Payment 152 152Homeowner’sInsurancePremium ( 12 months)NMLS/LICENSE ID886336Loan AmountMonthly Principal & InterestE. Taxes and Other Government FeesRecording Fees and Other TaxesLENDERNMSI, INC.Transfer TaxesREQUIRED DOCUMENT FOR SUBMISSIONHow toto WithdrawWithdhdrraw Consonsentnt. You maymay withdrawwithdrdraaw youryour consentconsent to rreceivingeceiving CoCommmunications electronically, atat argeharge toto you,you500.00, byby callingcalling 213‐788‐3530213‐ 787888‐ 3530 or eemmaililinng .cc om .emailingAdding or removing a borrowerAdding or removing an escrow accountAppraised value comes in lower1004D, 2nd Appraisal, Desk/Field Review is requiredChanging Broker Comp PlanCredit Supplement is required (Fee changes)Credit Score drops, (Pricing increase)Flood Insurance is requiredLoan amount/interest rate/loan program/terms changePMI changeOccupancy/Property Address/Property Type changePest inspection is required50.00175.00How toto DUapdatepdYouourr Records.RecordsMary. IItt isis Stoneyour responsibilityresponsibility to provideproprovide us withwith truetrue,urate, andand ccompleteomplete ee‐mmailHowUpdateyourusaccurate,e‐mailteate YourDataeccurateaddredresss, contact,conta50.00ct, andand otherother informationinforormmatatiion relatedrelated to thisthis disclosuredisclosure andand youryour residentialresidential mortgagemortgaortgagge application,application, andand totoaddress,maintntaain and datttlly cchangeshanges inin tthishis iinformation.nforormmatatiion. You ccanan updatatee iinformationnforormmatatiion by ccallingallilinng �788‐3530or emailingeemmaililinn64,095.97ggroup.cgroupc om .group.com.Hardwareements. In order to access, view, and retain electronic Communications that we 280,000.00 280,000.00make availahave: A compsufff icient storage space, and a supported Internet browser capable ofnectivity, sufficient128‐bith as the current version of Adobe Reader (www.adobe.com/reader) and a A suppbrowser thocuments;r ice provider compatible with your e‐mail A valid e‐mail address including an account with an e‐mail servserviceTHIS IS AN ESESTIMATE ONLY AND FIGURES ARE SUBJECTTO CHANGEsoftf ware.software.opies. We will not send you a paper copyyonyy Communication from us, unless you requestRequesting Paperr CCopies.off aanyCommunicationGuide to Loan Estimate Forms 2

1NMSI, INC.Loan Estimate24DATE ISSUEDAPPLICANTSPROPERTYSALE PRICE1Must be either BLANK or NMSI, Inc.2Must be dated and issued within 3 business daysof the Loan Application Date.3Enter the name and MAILING ADDRESS of the borrower(s).Use each Borrower’s name and mailing address if there aremultiple Borrowers. An additional set of LE may be added.4Enter the property address, which MUST include the zip codeof the property.5The loan number must be either blank or broker’s loan number.6Indicate the rate is locked with Yes, not locked with No.We don’t allow pre-lock ALWAYS “NO”7Estimated closing costs expire must be disclosed on LE.(Min. 10 business days after the LE issue date).8If YES, information specific to loan program will be shown.(Adjustable Rate Program)9Loans with adjustable payments may show up to fourprojected payment columns.10Use the checkboxes to disclose what the total consists of,then indicate whether or not it is impounded.11YES Impound, NO No ImpoundSave this Loan Estimate to compare with your Closing Disclosure.3700 Wilshire Blvd. Ste. 330 Los Angeles, CA 90010LOAN TERMPURPOSEPRODUCT10/3/2015Michael Jones and Mary Stone123 Anywhere Street3Anytown, ST 12345456 Somewhere AvenueAnytown, ST 12345 240,000LOAN TYPELOAN ID #6RATE LOCK30 yearsPurchase ce5 Year Interest Only, 5/3 Adjustable Ratex ConventionalFHA VA12345678913301726085NO x YES, until 4/16/2013 at 5:00 p.m. EDTBefore closing, your interest rate, points, and lender credits canchange unless you lock the interest rate. All other estimatedclosing costs expire on 10/18/2015 at 5:00 p.m. EDT7Loan TermsCan this amount increase after closing?Loan Amount 211,000NOInterest Rate4%YES Adjusts every 3 years starting in year 6Monthly Principal & Interest Can go as high as 12% in year 15 See AIR Table on page 2 for details8YES Adjusts every 3 years starting in year 6 703.33 Can go as high as 2,068 in year 15 Includes only interest and no principal until year 6 See AP Table on page 2 for detailsSee Projected Payments below for yourEstimated Total Monthly PaymentDoes the loan have these features?Prepayment PenaltyNOBalloon PaymentNO9Projected PaymentsPayment CalculationPrincipal & InterestYears 1-5Years 6-8Years 9-11 1,028 min 1,359 max 703.33only interestYears 12-30 1,028 min 1,604 max 1,028 min 2,068 maxMortgage Insurance 109 109 109 —Estimated Escrow 0 0 0 0Amount can increase over timeEstimated TotalMonthly PaymentEstimated Taxes, Insurance& AssessmentsAmount can increase over time 812 533a month 1,137– 1,468 1,137– 1,713 1,028– 2,06810This estimate includesx Property Taxesx Homeowner’s InsuranceOther:11In escrow?NONOSee Section G on page 2 for escrowed property costs. You must pay for otherproperty costs separately.Costs at ClosingEstimated Closing Costs 8,791Includes 5,851 in Loan Costs 2,940 in Other Costs – 0in Lender Credits. See page 2 for details.Estimated Cash to Close 27,791Includes Closing Costs. See Calculating Cash to Close on page 2 for details.VisitLOAN ESTIMATEfor general information and tools.PAGE 1 OF 3 LOAN ID # 123456789Guide to Loan Estimate Forms 3

Closing Cost DetailsLoan Costs1Lender Paid Comp Plan: The Lender Comp Plan amount is notdisclose on the LE. (Lender Fee 995.00 Only)2Max 13 items in this sectionand disclose the total amount of theitems that exceed 12 as “Additional Charges”.Other CostsA. Origination Charges1 % of Loan Amount (Points)Lender FeeProcessing Fee 3,605 2,110 995 50010% toleranceB. Services You Cannot Shop ForAppraisal feeCredit report feeHOA certification feeGovernment funding feeThird-party subordination feeAn upfront mortgage insurance fee2E. Taxes and Other Government FeesRecording Fees and Other Taxes4Transfer Taxes5 152 152 1,352 1,000F. PrepaidsHomeowner’s Insurance Premium ( 12 months)Mortgage Insurance Premium (months)Prepaid Interest ( 23.44 per day for 15 days @ 4.00%)Property Taxes ( months)Must be listed in alphabetical order. 3523Any escrow & title related fees must begin with “Title-”.Unlimited tolerance 1,680 400 30 100 100 50 1,000Written Settlement Service Provider List is required for any itemslisted in this section.G. Initial Escrow Payment at ClosingHomeowner’s Insuranceper month for 3mo.Mortgage Insuranceper month for 0 mo.Property Taxesper month for mo.Settlement charges paid to broker affiliate are subject to 0%tolerance and move to section B.Unlimited toleranceH. OtherTitle – Owner’s Title Policy (optional)Max 14 items in this sectionand disclose the total amount of theitems that exceed 13 as “Additional Charges”. 1,436 1,4366Must be listed in alphabetical order.Unlimited tolerance0% toleranceC. Services You Can Shop ForPest Inspection FeeSurvey FeeTitle – Courier FeeTitle – Lender’s Title PolicyTitle – Settlement Agent FeeTitle – Title Search3 1,921 125 150 32 665 325 624I. TOTAL OTHER COSTS (E F G H) 2,940J. TOTAL CLOSING COSTS 8,791D ILender Credits 8,791Total Closing Costs (J) 06“Optional” indicates premium not required by Lender.Owner’s title insurance is subject to unlimited tolerance, even ifpaid to an affiliate of the creditor.7Additional Tables appear here only if loan program includesAdjustable Interest Rate (AIR) features. (i.e. ARM Program)– 10,000Funds for Borrower 0Seller Credits 0Adjustments and Other Credits 0Estimated Cash to Close 27,791Adjustable Interest Rate (AIR) TableIndex MarginInitial Interest RateMinimum/Maximum Interest RateChange FrequencyFirst ChangeSubsequent ChangesLimits on Interest Rate ChangesFirst ChangeSubsequent ChangesLOAN ESTIMATETransfer taxes are subject to 0% Tolerance.Transfer tax must be included for purchases. 29,000Deposit 7,2065 8,791Down Payment/Funds from BorrowerD.Recording Fees and Other Taxes are subject to 10% Tolerance.Estimated recording fees must be included.Calculating Cash to CloseClosing Costs Financed (Paid from your Loan Amount)10% tolerance47MTA 4%4%3.25%/12%Beginning of 61st month2%2%PAGE 2 OF t LOAN ID # 123456789Guide to Loan Estimate Forms 4

Additional Information About This Loan1LENDERNMLS/ LICENSE IDNMSI, INC.2LOAN OFFICERNMLS/ LICENSE ID886336EMAILPHONE213-788-3530ComparisonsMORTGAGE BROKERNMLS/ LICENSE IDLOAN OFFICERNMLS/ LICENSE IDEMAILPHONEABC Broker, INC.678910Peter Brown11111peterbrown@abcbroker.com222-333-4444Use these measures to compare this loan with other loans.In 5 Years 54,944 0Total you will have paid in principal, interest, mortgage insurance, and loan costs.Annual Percentage Rate (APR)4.617%Your costs over the loan term expressed as a rate. This is not your interest rate.Total Interest Percentage (TIP)81.18%The total amount of interest that you will pay over the loan term as apercentage of your loan amount.Other ConsiderationsAppraisalWe may order an appraisal to determine the property’s value and charge you for thisappraisal. 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 own cost.AssumptionIf you sell or transfer this property to another person, wewill allow, under certain conditions, this person to assume this loan on the original terms.x will not allow assumption of this loan on the original terms.3Lender field (left) must be blank or NMSI, Inc. information.NMLS ID: 8863362Broker field (right) must be completed.3Always checkbox “will not allow assumption of this loan on theoriginal terms.”4Always disclose “15” for days late, and “5%” for late fee.5Always checkbox “to transfer servicing of your loan.”6NMSI will continue to require the initial LE, be signed and datedby all applicable parties for submission.This loan requires homeowner’s insurance on the property, which you may obtain from aHomeowner’sInsuranceLate Payment14Servicing5If your payment is more than 15 days late, we will charge a late fee of 5% of the monthlyprincipal and interest payment.We intendto service your loan. If so, you will make your payments to us.x to transfer servicing of your loan.received this form.6Applicant SignatureLOAN ESTIMATEDateCo-Applicant SignatureDatePAGE 3 OF 3 LOAN ID #123456789Guide to Loan Estimate Forms 5

Additional Details for Services You Can Shop For11NMSI require a Written Settlement Service Provider List (WSSPL)on all transactions.2At least one Settlement Agent (closing agent, title agent, escrowagent depending on region) to be provided on WSSPL or for anyfees quoted in under “services you can shop for”. (Section C)3The service providers must correspond to the services and feesdisclosedin Section C on the Loan Estimate.of your Loan Estimate).Service Provider ListYou can select these providers or shop for your own providers.ServiceEstimatePest Inspection Fee 135Pest Co.Jane Polk123 Avenue AAnytown, ST 12345janep@pestco.com111-222-3333Survey Fee 65Surveyor LLCBill Barnes456 Avenue BAnytown, ST 12341billb@surveyorllc.com111-333-4444Title – Insurance Binder 700Title – Lender’s Title Policy 535Title – Settlement Agent Fee 502Title – Title Search 1,261Title – Lender’s Title Insurance 1,100Title – Other Title Services 1,000Title – Settlement Agent Fee 350Contact InformationGamma Title Co.3APPLICANTS: Michael Jones and Mary Stone2Delta Title Inc.DATE ISSUED: 2/15/2013By listing at least one service provider (as long as not affiliated)it places the fees charged for these services into the 10% tolerance.Must be listed in alphabetical order.4Joanna Campbell789 Avenue CAnytown, ST 12333joannac@gammatitle.com222-444-5555Broker must provide sufficient information such as the serviceprovider’s names, address and phone number & email address.4Frank Fields321 Avenue DAnytown, ST 12321frankf@deltatitle.com222-444-6666LOAN ID # 123456789Guide to Loan Estimate Forms 6

1Borrower Estimate Settlement Statement or Preliminary ClosingDisclosure from Settlement company is required for submission.2The service providers must correspond to the services and feesdisclosedin Section C on the Loan Estimate and a WrittenSettlement Service Provider List.ABC Escrow Inc.789 Avenue C, Suite 103 Anytown, ST 12333Phone: 222.222.2222Fax: 222.222.22231BORROWER'S ESTIMATED SETTLEMENT STATEMENT123 Anywhere StreetAnytown, ST 12345PROPERTY:BORROWER: Michael Jones and Mary StoneDATE:November 13, 2015CLOSING DATE:ESCROW NO.:December 18, 20151234578-10Loan CostsCREDITSDEBITSFINANCIAL CONSIDERATIONNew 1st Trust Deed -280,000.00PAYOFF CHARGES [Total Payoff 212,531.10]Principal BalanceInterest on 211,500.00 at 5.0000% from 11/01/2015 to 12/04/2015Statement FeeReconveyance FeeOther CostsA. Origination Charges 3,290 3,2990% of Loan Amount (Points)Loan Origination FeeProcessing FeeUnderwriting Fee 1,600 1,6000 695 6995 995 9995B. Services You Cannot Shop For 425 4225Appraisal FeeCredit Report 395 3995 30 330C. Services You Can Shop For211,500.00956.1030.0045.00TITLE/TAXES/RECORDING CHARGES - Delta Title Inc.Company (046)Title - Lender's Title InsuranceTitle - Wire feeTitle - Sub Escrow FeeTitle - Endorsement FeeAverage Recording FeesProperty Taxes 1st 2015-16 to Los Angeles County Tax Collector605.0060.0045.0050.0085.001,752.93ESCROW CHARGES - ABC Escrow! Inc.Title - Escrow Liability FeeTitle - Existing Lien Payoff ProcessingTitle - Notary Public/Signing FeeTitle - Overnight/Courier costs (if any)280,000.00Recording Fees and OthTransfer TaxesF PF.Prepaidsreprepaididss InsuranceHomeowner’sMortgage Insurance PrePrepaid Interest ( 19.72Property Taxes (mo 3,535 3,5335Title - Courier FeeTitle - Endorsement FeeTitle - Escrow Liability FeeTitle - Existing Lien Payoff ProcessingTitle - Lender's Title InsuranceTitle - Notary FeesTitle - Sub Escrow FeeTitle - Wire/Disbursement Fee 50 550 50 550 500 5000 50 550 605 6005 175 1775 45 445 60 660D. TOTAL LOAN COSTS (A B C) 7,250G. Initial Escrow PaymHomeowner’s InsuranceMortgage InsuranceProperty TaxesCounty Propertyrty TaxesTitle - Owner's Title InsurAdditional Details For Services YYouou CCanan SShophop FForor2To get you started with shopping, this list identifiesideentiffiees somesoome providersprovidders forfoor the servicesservr ices yoof your Loan Estimate).64,095.97 E. Taxes and Other GoH. OtherH500.0050.00175.0050.00Total RefundTOTALClosing Cost Details 280,000.00Service Providers ListYou cacanan seleselectect tthesehese pprovidersrovidders or shop for youServiceEstimateEstimaateeProviderWeProvidder We IIdentifieddentifiedContact InfoTitle - Escrow Liability Fee500.00ABCABC EscEscrow,crow, Inc.Innc.Title - Existing Lien PayoffProcessing50.00Frank Fields321 AvenueADAnytown,Anyty own, ST 1222-444-6666franTitle - Notaryr Public/Signing Fee175.00Title - Overnight/Courier costs(if any)Title - Lender's Title Insurance)50.00605.00DeltaDeltta TTitleittlee InInc.nc.789 AvenueACTitle -THIS IS AN ESTIMATE ONLY AND FIGURES ARE SUBJECT TO CHANGELOAN ESTIMATEWireCalyxfeeForm - LE2 AIR.frm (02/2015)60.00Title - Sub Escrow Fee45.00TitleTitlel - EndorsementE d rsementEndorsemEndoent FeeFee50.00500 00PAGE 2 OF3y LOAN ID # test1234t1234Anyt222-444-5555222-444-5555Michael JonesGuide to Loan Estimate Forms 7

11Must have a completed & signed ”Consent to ReceiveCommunications Electronically“ with each file.2Must have a completed “Intent to Proceed” notice with each file.The broker may not order and pay for an appraisal withoutthe signed intent to proceed.Broker can use either NMSI Form or Form from LOS system.3Same as estimated closing costs expiration date on LE page 14Same as Loan Estimate issued date.5NMSI will continue to require the intent to proceed form, be signedand dated by all applicable parties for submission.Consent to Receive Communications ElectronicallyThe following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act(“ESIGN”). In order for you to receive Communications electronically in connection withyour residential mortgageapplication, you must consent to National Mortgage Service, Inc. providing you these Communicationselectronically.Your consent to receive electronic Communications includes but is not limited to: loan documents, disclosures, andthe appraisal report. By providing your email address and your signature below, you consent to receivingCommunications by email. Each borrower must provide this form even if all borrowers may share the same emailaddress.How to Withdraw Consent. You may withdraw your consent to receiving Communications electronically, at noCertificationof213‐788‐3530Loan EstimateandIntent to Proceedchargeofto Receiptyou, by callingor emailingcompliance@nmsigroup.com.to UpdateYourIt is your responsibility to provide us with true, accurate, and complete e‐mailThe undersigned certifiesHowthat thefollowingLoanRecords.Applicant(s):address, contact, and other information related to this disclosure and your residential mortgage application, and tomaintainandupdatepromptlyanyin this information.You candate;update information by calling 213‐788‐3530Has/have been provided with an initial Loan Estimatechangeswithin 3 businessdays of applicationor emailingcompliance@nmsigroup.com.Has/have confirmedreceipt ofthe initial Loan Estimate;Has/have expressed verbally to you (Broker), their intention to proceed with the loan covered by the issuedHardware and Software Requirements. In order to access, view, and retain electronic Communications that weLoan Estimate; and,make availableto you, you must have:Was/werenot chargedNMSI INC, NMLS#994828any fee prior to receipt of the Loan Estimate, other than a reasonable credit report fee.A computer with Internet connectivity, sufficient storage space, and a supported Internet browser capable ofLoan Number: 113913128‐bit encryption;A supported PDF viewer, such as the current version of Adobe Reader (www.adobe.com/reader) and aBorrower Acknowledgementbrowser that can print PDF documents;By signing below the borrower acknowledges the above information is correct and that lender is replying on thisA valid e‐mail address including an account with an e‐mail service provider compatible with your e‐mailinformation to approve and fund the loan.software.2TOWePROCEEDWITHAPPLICATION(LE) from us, unless you requestRequestingINTENTPaper

Title - Lender's Title Policy 535 Title - Settlement Agent Fee 502 Title - Title Search 1,261 Title - Lender's Title Insurance 1,100 Delta Title Inc. Frank Fields 321 Avenue D Anytown, ST 12321 frankf@deltatitle.com 222-444-6666 Title - Other Title Services 1,000 Title - Settlement Agent Fee 350

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May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)

Silat is a combative art of self-defense and survival rooted from Matay archipelago. It was traced at thé early of Langkasuka Kingdom (2nd century CE) till thé reign of Melaka (Malaysia) Sultanate era (13th century). Silat has now evolved to become part of social culture and tradition with thé appearance of a fine physical and spiritual .

On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.

̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions

Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have

6. Loan geography 8. 7. Contractual cash flows for each loan or pool of loans Risk System Data: 1. Loan classes and grades 2. Modification history by loan class 3. Loan renewal and funding history by loan class 4. Loan prepayments history by loan class 5. Loan cash flows not collected 6. Loan grade LGD and PD rates 7. Loan grade charge-off history

Chính Văn.- Còn đức Thế tôn thì tuệ giác cực kỳ trong sạch 8: hiện hành bất nhị 9, đạt đến vô tướng 10, đứng vào chỗ đứng của các đức Thế tôn 11, thể hiện tính bình đẳng của các Ngài, đến chỗ không còn chướng ngại 12, giáo pháp không thể khuynh đảo, tâm thức không bị cản trở, cái được

last loan of a loan sequence. For more than 80% of the loan sequences that last for more than one loan, the last loan is the same size as or larger than the first loan in the sequence. Loan size is more likely to go up in longer loan sequences, and prin