EFTA Document EFTA01279969

Uniform Residential Loan Application Applied for: I- 1 Amount $320,000.00 This application Is designed to be completed by the applicants) with the Lenders assistance. Applicants should complete this form as • Borrower- or 'Co-Borrower.' as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when 0 the income or assets of a person other than the Borrower (including the Borrowers spouse) will be used as a basis for loan qualification or 0 the income or assets of the Borrowers 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 appacable law and Borrower resides in a community properly state. the security properly 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. It this is an application for joint credit. Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below): Itiontsver Doihonorer I. TYPE OF MORTGAGE AND TERMS OF LOAN Medan. n VA M Conventional n Other (explain): FHA LJ USDAlkiral Housing Service Interest Rale F No. of Months 3.000 180 Agency Case Number Lender Case Number 420361321 Amortization nn . Fixed Rate Other (explain): Type: I GPM I ARM (type): II. PROPERTY INFORMATION AND PURPOSE OF LOAN &Odd Property Address hums city. Iota a ZIP) 435 3 Tryon St Onit 700, Charlotte, NC 28202 Legal Description S Salad Property (attach closcriptico it nosey) Purpose of Loann purchase Construction Refinance Q Construction-Permanent Complete this line II construction or constructbn-pennanent loan. Year Lot Acquired I Original Cost I Amount Existing Liens I=I Other (explain): Property will be: a Primary Residence No. 01 Unite 1 I You Eta 2002 rt Secondary uu Residence El Investment $ $ I (a) Present Value of Lot $ this line II this Is s refinance loon. Year Acquired Original Cost Amount Existing Liens Purpose of Refinance I 2004 S 810, 000.00 $316,017.71 I Rate and Term Title voll be held in what Name(s) Ittdpsrier Terra, LLC, A Florida Limited Liability Company (b) Cost of Improvements I Total (a • b) I$ Describe Improvements Omade O to be made Cost: Manner in which Title will be held Title held thru living trust. Source of Down Payment. Settlement Charges. and/or Subordinale Rnancing (explain) Estate will be held in: El Fee &no, O Leasehold tallow =pinion date) Borrower Ill. BORROWER INFORMATION Co-Borrower Borrower's Name tinctude Jr. or Sr. it applicable) Co•Borrower's Name (i dude Jr. or Sr. if applicable) rt irri umber Home Phone Onct. area code) DOEIrmmickeYfryyl Yrs. Sera° Social Security Number Home Phone (inch. area code) D08(mmrdoyyyy) Yrs. School fl Married = Umlauts ]Whole stool% no. 0 eV,ges"( I by - Marled Unmarried andurla Wald widowedl °run, I :4:e. kmed by ika""" O doo,ced. widowed) Saprracd EJ Sapermo domed. Present Address isimet or gait ZF) = Own I TS Rent 3/0 No. Yrs. Present Address tweet city. suite. ZIP) = Own = Rent No. Yrs. Mailing Address. if different from Present Address Mailing Address if different From Present Address If residing at present address for less than two years, complete the follow ng: Former Address tarot city. gala ZIPI O Own El Rex No. Yrs. Former Address (street. Sly. sate. ZIP) O Den U Riot No. Yrs. 420361321 Uniform %Mende Loan Application Fannie Manfred:lie Mac VHF( Op Wolters mews Financial Se tars Application Date: 10/2/2014 420361321 Fannie MM Fowl IOU 7105 (Recife, Freddie Ms Ran 6 7,136 (Rev. 6/09 WAP221N (0907(0 Page I 045 CONFIDENTIAL19470104=211 EFTA_0014 I 5 14 EFTA01279969 Borrower IV. BAPLOYDAENT INFORMATION Co•Borrower Name 6 ACYJONS 01 EmpSayer Scio Warms Corporation [ii Sell &npioyed Yrs on thS230 11/9 Nome a AddfeiS 01 &von. E so bogeyed VII on Iris Sib Yrs. employed in this line of workeprolession Yrs. employed inihis lira of worleprolesseco / PositiontTitleType at airless MOO Car Driver Business Atone encl. wee code) Pesdionlitleaypegl Business Suoness Mare lied. areacode) If amnInvad In eurraM neffillien far lawn than Iwo vans nr II eurranthr sine In mem than aria enaftlan. ennwaltda the SOW her Name 6 Address of Employer Sell Employed Dates (from • to) Name & Addrcr.s of Employer Sell Employed Dates dram . to) Mondly Income 5 Monthly Income S PositionanletType of Business Business Phone (incl. area code) PositionfTillatType of Business Sponges chore hind. areacode) Name S AddreSS 01 EtnplOyer C Sell Employed Dates (from - MO Name 3 Address 01 Cm: Oyer C Sell Bogeyed Dates Mom - tO) Monthly Income 5 Monthly income 5 PositionTriletType of Business Business rtionatind. Wei code) Position/Title/Type col Business eusMeas Phone tiro cocto V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income Borrower Cacwower Total Combined Motility HS Sic SWIM* Present Proposed Base Ern I. Income' p $ —6 361.83 5 „ $ —6 361.83 Rent 5 8,500.00 7/ 7////// 7/A Overtime Rest Mortgage (Rig $ 2,209.86 &MGM Other Financing (Pail) Commissions Hazard Insurance 243.50 Dividends/Interest Real Estate Taxes 543.73 Net Rental Income Mortgage Insurance atethre rat?. tt other Income.' Weal Homeowner Assn. Dues 400.00 30,276.00 30,276.00 Other: Total I S 23,914.17 $ 5 23.914.17 Total $ 8,500.00 $ 3,397.09 ' Sell Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statement& S.0 Describe Other Income Notice: Alimony. child support, or separate maintenance income need not be revealed II the Borrower (B) or Co-Borrower (C) does not choose to have It considered for repaying this loan. Rislaticonsh $30,276.00 Monthly Amount $ 30 276.00 C 420361321 Uniioan Residential Lean Application Fannie Maarraldie Mac YMP Wolters tower Financial Senritee Application Date: 1022014 420361321 Fannie Mae Form 1003 7105 (211v. 6/0601 Freddie Ms Form 65 7t6 (Rey. 6/09 YMP221N (0907).0 Page 2 04 5 CONFIDENTIAL SDNY_GM_00030902 EFTA_00141515 EFTA01279970 VL ASSETS AND LIABILMES This Statement and any applicable supponino schedules maybe completed witty by both merned and unmamed Co-Borrowers resets and liabilities art sunicientiy pained sot hat the statement can bre meaningtuay and le completed presented on a combined basis: otherwise. separate statements edules are required. it the Co-Borrower section was completed about a non-appbcant spouse or other person. this Statement and supporting schedules must be completed about that spouse or other person also. Completed I Jointly Not Jointly ASSETS Description ash Cr MOM Vika WNW= and Pledged Meets. List the creditor's name. addraw and account number for all ousslandng cldsls. includIng automobile loam revolving clwrge accounts. real estate loans. alimony. chld support, stock pledges. etc. Lk* conl elusion sheet. it necessary. 'Scale by (' ) those habil-lies which will be satisfied upon sale of red estate owned or upon refinancing or the Sub)0C1 Pr OPenY• Cash deposit toward purchase held by: s LIABILITIES Monthly Payment & Months Len to Pay yrd Bernel list checking and savings accounts below Name and address of Company CHASE $ Payment/Months 25.00 5 $ 104.00 Name and address of Bank. S&L. or Credit Union Fifth Third Thr 9/30 0 Aeal• 00.438135.100 Ikt.i. no. 3 17, 204.55 Name and address of Company CCO MOAT CRP $ Payment/Months 3,163.00 * $ 316,017.71 Name and address of Bank. SAL. or Credit Union Fifth Third thr 9/30 nom no.2930022453112 Name and address of Company S Payment/Months S S 9,127.57 Name and address of Bank. SAL. or Credit Union Mel. no. Name and address of Company $ Payment/Months $ Name and address of Bank. SAL. or Credit Union WI nO. Name and address of Company $ Payment/Months $ Acct. no. S i hrelstzipirilOs (Company name/number Fifth Third Private Bank - CREO Global Capital -Blue Morgan Stanley FAO Blue Chip S 515,751.96 3,108,560.00 506, 946.00 Acct. no. Name and address of Company $ Payment/Months $ the insurance net cash value Face amount: $ S Subtotal Uquld Assets S 4,157,590.08 Acct. no. Real estate owned (enter market value from schedule of real estate owned) $ 620,000 Name and address of Company $ Payment/Months $ Vested interest in retirement fund S Net worth of businessies) owned (attach financial statement) S 399,960.20 Automobiles owned (make and year) $ AlimonyfChild Suppoil)Sepsate lAwnlenance Payments Owed to: $ Job-Related Ex P<IltS clad cat. tales duos. etc.; $ ../ Total Other Assets (itemize) $ Monthly Payments S ac. on Total Assets a. $ Woilh s i a-n—ss0.28_ttle inines oi $1S 4,861,428.57 Total Whales b. $ 316,121.71 ehedldle W Real Estate Owned (It additional p opernes are owned. use continuation sheet.) folont ryeitril rbeesaAjt iedr pojilirt:Id..e7 if pending sate. pa& agony Maittsinilue MonAgrragleutkliens RentTigtome Wylinaies it. 'xSts iicl.. Renttic e 435 S Tryon Street #700 Charlotte, NC 28202 Cond $ 620,000 $ 316,018 S S 3,163 $ $ 435 S Tryon St Unit 700 Charlotte, NC 28202 Totals S 620,000 $ 316,018 $ $ 3,163 $ $ List any additions names under which wadi Ms previously been received and Indicate appropriste crater names) and account numbed.): Alternate Name Creditor Name Account Number 420361321 UnitoaniimidOntial Loan Application Fannie Maffei:IdleMac VMP Wolters lavas nnencia Santee Application Date:10/2/2014 420361321 Forage Mae Form 1003 7/05 (Mov. 6/091 Freddie Ms Fos, 65 7A36 (Rev. 6/09 VMP221N 40907).0 Page 3 01 5 CONFIDENTIAL SDNY_GM_00030903 EFTA_00141516 EFTA01279971 VI. DETAILS OF TRANSACTION VIII. DECLARATIONS a. Purchase price b. Alterations. improvements. repairs c. Land Of acquired separately) C. Refinance (incl. debts to be paid off) e. Estimated prepaid items I. Estimated closing costs g. PMI. MIP. Funding Fee h. Discount Of Borrower will pay) I. Total coats (add items a through h) Subordinate financing k. Borrowers closing costs paid by Seller I. Other Credits (explain) Application Fee Paid Borrower POC 316,017.71 586.67 9,386.66 $325,993.06 400.00 6,524.79 M Loan amount Conclude KAI MIP Fundino Fee financed' n. PMI. MIP. Funding Fee financed o. Loan amount (add m 8 n) p. Cash from/to Borrower (subtract j. k. 18 olrom I) 320, 000 .00 320, 000 .00 -6931.73 If you answer Yes to any questions a through i, please use continuation sheet for explanation. a Are there Wry outstanding judgments against you? b. Hoye you been declared bankrupt within Ihepast 7 years? M C Ito you had properly foreclosed upon or given Mk or deed in Neu thereof n the last 7 yews? d. Are yo.i a party teat'ssue? e. Have you directly or indirectly been Obletiled on any lea) when resulted foreclosure. Pander of title n lieu Se loreclosure, or judgment? (This wouC include Such learn ea home mortgage loans. SBA NIPS. home iinprOveinent lose. educsicnal loans. manulactured (mebilel home loans. any mortgage. tnanclf Wlgelkn bond or IC en guarantee. if 'Yid' provide details. including date name and address of tends. FHA or VA case number. it any. and 108008 for the action.) Borrower Ca-Borrower Yes No 0 LI I. Are anyou nnprezot e ly clelingtml or in default on any Federal debt or any other 'Sows asng?oit ici4ortg Aistidn. bond. leen guarantee' II - Yes: gee g. Are you obligated to pay :lemony, child support. or separate mareenance? 0 h. IS any pan or the down payment borrowed? i. Are you acomidus or endorser on a note? Are you a U.S. Cillien? - 0 k. Are you a permanent resident alien? L Do you Intend to weepy the properly a your primary teddence? 6 'Yes.* complrteetreerion m below. in. Hoye you had an car naship interest in a properly in 'halal three years? III 0 II) home (SKr.or properly &I you own:: pnnopal reactance CORI, sword home (SKr. Dr irNe3I mall reclean,/ WI? PR 12) How did you hold Idle to the home • - solely by yourscd IS). Jointly with 'frt.' UP Cte,CIW. Of petty w eh scan Fors:n(0i? 0 Yes No O C 0 0 0 0 0 0 00 00 0 0 0 0 0 0 0 0 IX. ACKNOWLEDGEMENT AND AGREBABB Each of the undersigned specilically represents o Lender and to Lenders actual or potential agents, brokers, processors, attorneys, insurers. servicers, successors and assigns and agrees and acknowledges that: (I) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability. including monetary damages. to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application. andror in criminal penalties including, but not limited to. fine or imprisonment or both under the provisions of Title 18. United States Code. Sec. 1001. N seq.: (2) the loan requested pursuant to this application (the 'Loan') will be secured by a mortgage or deed of trust on the property described in this application: (3) the property will not be used for any Illegal or prohibited purpose or use: (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan: (5) the properly will be occupied as indicated in this application: (6) the Lender. its servicers. successors or assigns may retain the original and/or an electronic record of this application. whether or not the Loan is approved: (7) the Lender and its agents. brokers. insurers. servicers. successors, and assigns may continuously rely on the information contained in the application. and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan: (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers. successors or assigns may. in addition to any other rights and remedies that it may have relating to such delinquency. report my name and account information to one or more consumer reporting agencies: (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law: (10) neither Lender nor its agents. brokers. insurers. servicers. successors or assigns has made any representation or warranty. express or implied, to me regarding the property or the condition or value of the property: and (I I) my transmission of this application as an 'electronic record' containing my 'electronic signature: as those terms are defined in applicable lederal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature. shall be as effective. enforceable and valid as it a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan. Its service's. successors and assigns. may verily or reverify any information contained in this application or obtain any information or data relating to the Loan. for any legitimate business purpose through any source. Including a source named in this application or a consumer reporting agency. Borrowers Signature X L The following inlormation is requested by the Federal Government for certain types of loans related to a awe/sing in order to monitor the lenders compliance with equal credit opportunity. fair housing and home mortgage disclosure laws. You are not required to furnish this information. but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this inlormation, or on whether you choose to lumish it. II you furnish the information. please provide both ethnicity and race. For race. you may check more than one designation. If you do not furnish ethnicity. race. or sex. under Federal regulations. this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information. please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied tor.) BORROWER I-1 I do not wish to math this iNonnation CO-BORROWER I do not wish to furnish this information Ethnicity: Hispanic or Lair* Not Hispanic or Latino fl IjI EthnicEy: 0 Hispanic or Wino 0 Not Honoree or Latino Race: im anwcan Indian or men m black Ac Or anmanan gate: C Alaska AMOrtal MOW or Native black or AVM African American C Native Hawai or ian WIN COO. Pattie O ®White I— I Native Hawaiian or I I We Peolic Wander While : - Female n ..r. X. - Female IM mere To be Completed by Loan Originator: This inlormation was provided: LK_I In a face.to.lace interview In a telephone interview Loan Originator's Signature X Date 12/10/2014 Loan Originator's Name (print or type) Joann Brown Loan Originator Identifier 414603 Loan Originator's Phone Number (Including area code) 573-1982 Loan Origination Company s Name Fifth Third Mortgage Company Loan Origination Company Identifier 134100 :;.9) n Origination Company's Address 5001 Kingsley DR, MD: 1MOCBO, Cincinnati, OH 45227 420361321 Uniform Raildertial Lean Application Fannie Masrreddie Mac WO lb Wane Bitterer Financial Senn.* Application Date: 10/2/2014 420361321 Fannie Mee Form 1003 7005 (FIN. 6/091 Freddie Ms Form 65 7,05 (Rev. 6/09 VMO221N (0907).0 Pege4 04 5 Date 12/9/2014 Co-Borrowers Signature X Date 12/9/2014 X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES By the applicant and submitted by fax or mail C By the applicant and submitted via email or the Internet CONFIDENTIAL SDNY_GM_00030904 EFTA_OO1:11517 EFTA01279972 CONTINUATION SHEET: RESIDENTIAL LOAN APPUCATION Use this continuation sheet if ITOWM. you need more space 10 complete the Residential Loan Application. Mark B for • rrower: Borrower or C for Co-Borrower. gency Case Number. Lender Case Number: triNe fully understand that it is a Federal crime punishable by fine or imprisonment. or both. to knowingly make any lake statements concerning any of the above facts as applicable under the provisions of Title 18. United States Code. Section 1001. el seq. Borrowers Signature: X Date 12/9/2014 Co•Borrowers Signature: X Dale 12/9/2014 420361321 Uniform %Menial LON Applleatuon Fannie Manfred:lie Mac VMP Wollete Mime/ FltlellCial SOMOOS 420361321 Fannie Mae Form 1003 7105 (few. 6/051 Freeklie Ms Fern 65 7,05 (Rev. 6109 VMP22m(0907i.0 Pae5 04 5 CONFIDENTIAL SDNY_GM_00030905 EFTA_0014I518 EFTA01279973