EFTA Document EFTA01279974

Unifon Residential Loan Application Tiss appecatIon is designed to ba somaieleid by the applicanfis) weh IM Lrinclerr's ensistance Apellcents should camptet • Ihn form as -Borrower or •Co-Borrower.• as ripplicablo. CO-BOVTOW er information rrust also be providid (and Ihro approprim• box checked) when L J th• income or astet s of • person oder (han the Borrower eintluden the Boasones sponse) will be used asa besä toi loan quaktkation or Ei the income or essets of the Borrower's spouse or other priesen who has community propeny regMs pursutet to state km wll not be used asa bass for loen qualificatiort Out bis or her hablaus most be considered because the spane or «hin person Ras community property nghts pursuant to appleable la« and Borrower resides in a community property state. the sacurdy proparty is located in a community propony Wate. or the Borrower is retying on other property located in a communty properly state as a basis for repayment of the loan. Il Uns is an apptIcition for joint erriet. Borrower find Co-Borrower *ach ergreis thel w • intrind to epply for joint <rede (sie below) Dinenor C ob( I. TYPE OF MORTGAGE AND 11EMS OF LOAN Mortgage n VA i X Conventimel I I OIMr Wanne. Applied fa: :3 FRA QUSDNRurd Housing Service Amount Inteest Rat• ! No of Months I Arnonlaallen Typo: 5325,000.00 3.000" 180 Agency Gase Numbor x Lende Ces* Number 420361321 geie Szt• i eher (explain): A et (type): II. PROPERTY INFORMATION AND PURPOSE OF LOAN Simoct Propoly Meire., Strell. city. dem 4 ZP) Plo of UM 444‘, DescuMicncf Sia ttl %Ne0MM tesentoori II nycesse , i I »Saue 2002 Puete et Lom UOthe etiptelett Ftspony wle be: [—] Recirnce W art:Pcleinece I I Investment ip L j FUrute» Lj Cortstruclen W Refinance C Romfluchen-Permanent Complete INS Uns II conttruction or constructIon-perrnatiord han Teer tot Acquked I Odgmal Cost 5 Amouni Eulting UM. $ I tat nennt Vakua of Lot I I I $ (b) Colt of Improvernents 5 Tetel (e + b) S 001110060 rols Inla lt Iltis Isa rellnance Teer Acquired Onginal Gott 2004 5810,000.00 bare. Amoont Brosting Lenz Papose of Refeance 5316,915.90 I Rate and Terz Dastebe Improvements Cost:5 M. made .M. to be made Title will be held in what Name(s) Brien Vickers Iden in wisch Title will be hold Title held jointly. State ril I I wil be hald in: Foll Seele Leat41,4(1 Wieg Saures of Down Paymem. Settlement Chatges. andrer Subordinate Hienring (expein) os preien mo) I Botrower III. BORROWER INFORMATION Co-Donower Borrotter's Name (melodi Jr. or St il *ppkable) Brien Vickere Coeeifer er's Name (melodi Jr. Or St il stipicatfin Senat Secerita Nussbar Home filme Opel. enecode) 00.(neneletYY) 4r. school 0 Neil Security Nute« Horne Rene Oncl. en« sode) 00likeirendrnerri *in scnol la Mened Sperried 0 M UnnamedOncludesinde dtverCe4. ev444444) Cer.nalc no lae s (P: t g. Y °en") C Slamel C unmemed(mcrude Inot ovareis widowedl Smievd Aber Motte (nol losteebytsorronee) I •Ofis Present Address lernt. cey. stete 2ipi Li Cent Rant 3/0 No. Yrs. neunt Address Wwe. etc. stete. bi,' Li 0wn I__I Ranl No. Vis. Melling Address, lt dillonnt from Present Addreas Mmung Aadress il different Ironi Rennt Address If residing at present address for less (han two years, compkge the following: Form« Add.ess (ereil. Mai ade. Zevi Former Address ht nee. zmDown CI Rot he Yrs 420361321 Umrom neu arte' Lom apenceiten Ferme Mee/Frelsee Kees VM sie weites Kamee Finersid Sorv'en Applecation Date: 10/2/2014 420361321 reine 144. rem 1003 7/05 (Rev 0109) . ..,* - Form eS 7/0S (Rev 6/09) VMP22 IN (0907 ) 03 Priel of 5 CONFIDENTIN111947010429022 EFTA_00141529 EFTA01279974 Oomovver m• IV. EMPLOYMENT INFORMATION Co-Borrower Nano 6 nIcfrois N Ern rInvor Scio Verum Corporation 329 Sea Breeze Ave Palm Beach, FL 33480 Pouhrirdlortypo of &Anon Race Car Driver X I: 4.1 11/9 ,ropbood It, 'roof OflOTAVIrf fa On BUSnani Mani find Onto <00.1 POstionfroll.4100 of eunntSS YTS on itu job Yrs cfnolOyed in MR ire Of ddlOIXOWSSan Eltmens Alone nod roe 04) If employed In =rent position for less than two years or If cwrently employed In more than one poilka, complete the fOllOwIllil• Nene 6 Atern of ElltloYet Elsa Fneetwed ogee Mom -101 Name a A611121 of Setforn 0 SW Ern/flow.] Otles0rcer -10) Manner Income f wriNy InCOMO I PositbniThionypo of 8usinws Business Plan had. wee coal Position/Title/Typo of Wenn fewness Alone Ilse dennOde Name 8 A4d145. Of ST rioy E Sea Efnindind Dan (nom -101 Nan* 8 AOress Of &OOP.; 0 54f Snoloyecl Caw Won - to) MoMhty Income S Monthly Means S Pesitianaille/Type of Business panels Ftene(inct stwoon PosilootTSIOTypo of Business ausanws mono ond BIOS C000) le_ V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION 0twe Menthe Income Ilenerwr $ Co P0..0,, ,r Teo CH:21=4ortNy eve Rent Omer, Agmee Boo &V Income' -6.361 83 S -6,361.83 S 8,500.00 i A Arnim* First Monroe (PM) S 2,244.39 Drum Ott*. Anomaly (P41) Commlailom Meant Insurance 243.60 Dividends/Interest Real Estate Taxes 543.73 Nit Rental Income Mort9epe Murano Other lbeGge nOmpletini toe Wand coin 'desalt* OM& Mean (1.• bOIOW) Homeowner rem. Dun 400.00 30,276.00 30.276.00 Other: Total S 23.914.17 $ S 23.914.17 Total S 8,600.00 S 3,431.62 • Self Employed Borrower(s) may be required to provide attritional documentation such as tax returns and financial statemests. B/C Describe Other Income Notice: Allmcmy, child support, or separate maintenance Income need not be revealed If the Borrower (B) or Co-Borrower (C) don not 0110Oila to have It considered for repaying this loan. Monthly Amount B Belot i orishpBank 530.276.00 5 30,276.00 C 420341321 unlem malarial tow nwercalno Faro MeerFrodidee Mtn vMP le WcItens lavre it Femme Services Application Date: 1012/2014 670351371 FameMee Form 1003 7/05 (Rev 0109) f-redo. Mac Form MF 65 7/05 Odev 641) Y 22 IN 10907)03 No*245 CONFIDENTIAL SDNY_GM_00030917 EF1'A_00141530 EFTA01279975 VI. ASSETS AND LIABILITIES This Statement and any applicable supportrig schedules may be completed Jointly by both marned and unmarried Coltorrowers if thew assets and liabilities are sufficiently joined so the/ 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 1 Jointly ri Not Jointer ASSETS Cash erMatiot Yak* USW. arid Metaled Assets. -A the credues nano. amicss d4 3....ut men be ict at ostUaticang netts. Description 'flown) tutomotoe loins ronAN-no cteroe /recounts root osId• coals et mu, / chid support. stock pledges. Vs Use continuation sheet it necessity inciCate by (' ) th010 Itibilion which will be SatiSheit Upon Sale of reel falai) Cash depose toward purchase held by: $ owned ce uoon refinancini of the SlityKI PtOpotly Ust checking and sayings accounts below Name and address of Bank, S&L. or Credit Union Fifth Third Thr 9/30 0 UABUTIES Name and address of Convey CHASE Ace r4 — Name and address of Company 17 .204 .55 CCO MORT CRP Name and oddress of Benk. S&L. or Credit Union Fifth Third thr 9/30 Monthly paymerd & Months Left to Pay S Payment/Months 25.00 5 Peyment/Months 3,163.00 • Balance 104.00 318,915.90 a gas i - Name and address of Company S Payment/Month LP 9,127.57 lamen es of Bask. S&L a Crock Union Name and address of Bank, S&L, or Credit Union A.a to Sines aicription) & Rends (Company name/number a d Fifth Third Private Bank - CREO Global Capital -81ue Morgan Stanley FEW Blue Chip Life insurance set cash value Face amount: S Sabah/ Uqukli Assets Real estate owned (enter market value from schedule of reel estate owned) Vested Interest in retirement fund Net worth of buslness(es) owned (attach maws statement) Automobiles owned (make and yea) Name and address of Company 5 Pt/MIMI/Months Name and address of Corrymny S Payment/Month 515.751.96 3,108,560.00 506.946.00 flame and address of Cornpasy 4 157 590 08 1 620,000 $ Other Assets (ternte) 399,960.20 no S PoymentrMonths Name end address of Company S Payment/Months Aod no Alimony/O9a S.ipporl6morde of anion/me Payment Owed to et.p.siged E. / ant* (rthrd t.thbn duos. etc ) $ S Total Assets S 5,177,550.28 la°tmruirt1.1 Total PO onthl Payments s ►S 4. n8.530.38 Total liabilities b. $ 319,019.90 / 1. ,i//: Schedule of Real Estate Owned (If addnional properties are ow nod. use continuahon sheet.) Insurance. Ftoperty Address (enter S if sold, PS if renting sole. Type of Present Amount_ of Goss Net or Rif rental being held for income) property Market Value Mortgages & Liam Rental Income Rental Income S 620,000 S 318,916 S 3,163 Tot ais S 620,000 $ 318,916 S S 3,163 S List any additional names under which credit has previously been received and indicate appropriate creditor narne(s) and actors* number(s): Alternate Name Creditor Name Account Number 420361321 Untom RenOtetiti Local Am/nation FernieMariFrodfro Mac vial!. 90 Watts Wove- Finarod Savo,: Application (NW 1012/201 420361321 Garner Ilea Form 1003 7/05 (Rev 0/09) Fredoe Mac Ron $5 2 I/05(090w 07 6/09) 9MP2 N )0$ Pogo 3 of 5 CONFIDENTIAL SDNY_CM_00030918 EFTA_00141531 EFTA01279976 VM. DECLARATIONS S. Rushes* price S If you answer "Yes" to any questions a through I, please no CnAonnoier use continuation sheet for explanation. Yes No Yes No b. Alteratkem Improvements. repairs a Arethem any oul t. ageing palmed s [goon you? IMI M IL) = C. Land (If acquked separately) 0 Ham you teen dedared baskApt w Ohm Moped f yeerP = Fl = = d. Refinance (ind. debts to be paid off) 318,915.90 C Nine yen helscopany foroCk400 unto or p or deed In 4),) 1 'root n the last f RS'S' IM Iii C - 5. Estimated prepaid BIM% 650.00 d AM yea 8 piny to a IrseinP (=I OD 4 nate you directly or orietradly teen otter:Med al any Oat winch resisted in loreclowie. timber or Isis in lieu of toroclosait or Moments elms Mold recede sun IOW% SS nettle mOrkkke loan. SBA belt Mme improvemett was, raordiered roan. moth:clued (motile) rinse loan, my mottoes. anonnal orotiolitn. tote or low guwerent If 'Yes; miler. it 0 0 f. Estimated closin• costs 9 633.25 g. RM. MP, Funding Fee h. Discount (if SWIM aor Mil pry) I. Total costs (add items a through h) $329.199.15 inCludon die ease and 832r•SS Cl LeferSr. FHA or VA MSS Mtn ref. it Wty, are morn lot thoectiOn / — WV = = J. Subordinate fiaancling I Are you onnertly Pandont Cr el Waist on my Fintocil den or loss mitres loWinal dslodion. toot or loon piwardm it •Yes. give C M dela SS 0OSOmIted in the Orecedtn0 Wrenn 9 Ani You 006900010 pay *morn. mad SuCpoot. Or emerge male-mon =MEC ri Is ray men or Int Comm paymint ternmverr 0 II C C 0 0 ic. Borrowers do • costs paid b Sae I. Other Creeks (explain) Application Fee Paid 400. 00 . An you • co-maker or endorsor orlon:PO CI Fl 0 - I. Ate you GU 5 oleo& WI = = = M. Loananrxrr4 0.0(40RAL MP Ronne Foe toon0)31 326,000. 00 ii An you a pa-maned resident Mont =MCC 'YoS: n. Nil MIR Funding Fee financed L oo you Wend to «ow eatpipet/ IC YOUr Oran rooldaso•S if temple. mieStrto rn Wow m ®m m o. Loan amount (add m 6 n) 325,000.00 ril Hare you std an owmeshy trbirest m a prOpirty in lb? Rd three yearSs WM - C Ini p. Cash frorrito Borrower laubtraCt J. k, I & 0 from I) $3, 799.15 O i vt,mg fig 00,r ,p,r,0, 04,1,43.co,),turn1;16-r; pampa reliance tat). pR (-.' H ..., :id . .., ,.i ;:. .- i 0,- tiv.t.. . - :H. : • ir`i . ",51 pointlY rich • IX. ACKNOWLEDGEMENT AND AGREEMENT Each of the undersigned specificity represents to Lando, end to Lender's actual or potential agents, brans processor, attorneys, Insurers. SIMMS. successors end ensigns and egrets and acknowledges that: (1) the information provided in this application is true end correct as of the date set forth epode my signature end that any intentional or negligent misrepresentation of this information contained in this application may result in dui liability. including monetary damages. to any person who may suffer any loss die to reliance upon any rnisrepresentMion that I have made on this application, and/or is criminal penalties including, but not limited to. fine or mprisonment or both under the provisions of Title le. United States Code. Sec. 1001. et seq.: (2) the loan requested pursuant to this application (the 'Loan") wilt be secured by a mortgage or deed of trust on the property described in this application; (3) the property wdl not be used for any 'Neel or prohbited purpose or use: (4) all statements made in this appication me made for the purpose of obtaining a residential mortgage loan: (5) the property will be occupied as indicated in this application: (e) the Lender. Its servitors. successors or assigns may retain the anginal and/or an electronic record of this application. whether Cr not the Loan is approved. (7) the Lender and its agents. brokers, Insurers, setvicers. successors. and assigns may continuously rely on the information contained in the application, and I am °bigoted to amend andfor 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: (6) in the event that my payments on the Loan become delinquent. the Lender. its semicers. successors or assigns may. in addition to any other rights and remedies that it may have relating to such delinmiency, report my name and account infonnation 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, broken, insurers. servicers. successors or assigns has made any representation or warranty. express or implied, to me resorting the property or the condition or value of the property: and (11) my transmission of this application as an 'electronic record' containing my 'electronic signature.' as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings). or my facsimile transmission ot this application containing a facsimile of my signature. shall be as effective. enforceable and valid es if a paper version of this application were delivered containing my ongnal written signature. Acknowledgement. Bich of the undersigned hereby acknowledges that any owner of the Loan. as senicers. successors and assigns. may verify or reverify any information contained in this eppication or obtain any information or data relating to the Loan, for any legitimate business purpose through any source. including a scarce named in this application or a consumer reporting agency. Borrowets Signature X Date I Co-Berra/ ers Signature 12/4/2O14 X Date X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following automation is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lenders compliance wah equal credit opportunity, far housing and home mortgage disclosure laws. You are not required to furnish this information. but are encouraged to do so. The taw provides that • 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 nice. you may check more than one designation. If you do not furnish ethnicity. race. or sex. under Federal regulations, this lender is requked 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 al requirements to which the lender is subject under applicable state law for the particular type of loan applied for.) BORROWER 0 i dO net *Oh tO Mobs did witaindOn CO-BORROWER NI I CO not went° knish liss Information allnkitY: 14 rat or Limo Hot Hi Mc or Lino alltit Y: Wit or Limo NW Rs <or Lahr* Rae& col HY` Alan* Nao* Aspen AftwanArarrican Rau: Masks Nine r heirere ceiltn Or Avon Valle Arntal Am Oleo Mr Pittoeiriavn or W Wale — C r—n t_j • Foredo Fa Maid Sex: Fl Ferns. - liter To be Completed by Loan OrIginMor: This hteimatiem was provided: ('Ti In a face-toface interview Loan Originators Skalatwo X Loan Originators Name (print or Joann Brown LOan Origination Company's Name Fifth Third Mortgage Company By the applicant and seibmilted by fax or mail In a telephone interview 7Th By the applicant and submitted via e-mail or the Internet f Date Lean Originator Identifier 414603 Loan Origination Company idertifler 134100 Loan Originator's Phone Number (including area code) •t Ir.at on ompany's Address 5001 Kingsley OR. MO: 11.10CBC1, Cincinnati , COI 45227 420361321 Untenn Rotaries Loon apricatim Fame mairedche Mac times writers merge rancid Services Application Date 10/2/2014 420361321 Corner Mee Form 1003 7/05 (Rov 0/09) Frmitio Mac Ferri 6$ F22 I 7/05 (rev 07 6/09) vm NI09 )03 Pagel of 5 CONFIDENTIAL SDNY_GM_00030919 EFFA_00141532 EFTA01279977 CONTINUATION SHEET/RESIDENTIAL LOAN APPUCATION Use this continuation sheet if you need more space to compete the Residential Loan Application. Mark B for Bonnet a C for Co-8mm et Botrow et. Brian Vickers Co-Borrower Agency Case Number. Lender Case Number: 420361321 lfWe fully understand that it Is a Federal crane punishable by fine or imprisonmeat. or both, to knowingly make any false statemeMs concerning any of the above facts as applicable under the provisions of Title ft United StMes Code, Section 1001. M seq. Borrower's Signature: X Date 12/4/2014 120361321 unforin Rimidentie Lan ApOita.C41 Femme Ms iffni61.6 Ike VAIP 30 WM." Wow Frsmod Sorsere Co -Borrower's Signature: X Date 420361321 Cornell., rpm 1003 7/05 (Rev 0109) Freddie mac form 65 1AP22 1 7/05 (Aev 07 6/09) V N109 )03 Pogo 5 015 CONFIDENTIAL SDNY_GM_000343920 EFTA_00141533 EFTA01279978