EFTA01279961.pdf

OMB Approval No. 2502-0265
Good Faith Estimate (GFE)
Name of Originator Fifth Third Mortgage Company Borrower Brien Vickers
Joann Brown
Originator 5001 Kingsley DR
Address ND: 1)93CBQ
Cincinnati, OR 45227 Propeny 435 S TRYON ST UNIT 700
Address Charlotte, NC 28202
Oricinator Phone Number
hi; manor Email Date of GFE November 24, 2014
Purpose This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more
information, see HUD's Special Information Booklet on settlement charges. your Truth-in-Lending Disclosures.
and other consumer information at www.hud.gov/respa. If you decide you would like to proceed with this loan, contact us.
Shopping for Only you can shop for the best loan for you. Compare this GFE with other loan offers. so you can find the best loan.
your loan Use the shopping chart on page 3 to compare all the offers you receive.
Important 1. The interest rate for this GFE is available through 12/11/2014 __.__ . After this time. the interest
dates rate. some 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 12/10/2014
3. After you lock your interest rate, you must go to settlement within n days (your rate lock period) to receive the
locked interest rate.
4. You must lock the interest rate at least days before settlement.
Summary of Your initial loan amount is $ 325,000.00
your loan Your loan term is 15 years
Your initial interest rate is 3.000 %
Your initial monthly amount owed for principal.
interest, and any mortgage insurance is $ 2,244.39 per month
Can your interest rate rise? M No 0 Yes, it can rise to a maximum of %.
The first change will be in .
Even if you make payments on time, can your El No 0 Yes. it can rise to a maximum of
loan balance rise? $
Even if you make payments on time, can your 12 No 0 Yes. the first increase can be in and
monthly amount owed for principal, interest, and the monthly amount owed can rise to
any mortgage insurance rise? $ . The maximum it can ever
rise to is S .
Does your loan have a prepayment penalty? @ No • Yes, your maximum prepayment penalty is
$
Does your ban have a balloon payment? Iii No • Yes, you have a balloon payment of
$ due in years.
Escrow Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in
account addition to your monthly amount owed of $ 2,244.39
information Do we require you to have an escrow account for your loan?
2 No. you do not have an escrow account. You must pay these charges directly when due.
0 Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
Summary Your Adjusted Origination Charges (See page 2.) 660A5
C
of your
settlement 0 Your Charges for All Other Settlement Services (sea page 2.) 2,506.81
charges
A Total Estimated Settlement Charges 3,166.96
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Understanding Your Adjusted Origination Charges
your estimated
I. Our origination charge
settlement
This charge is for getting this loan for you. 660.15
charges
2. Your credit or charge (points) for the specific interest rate chosen
al The credit or charge for the interest rate of 3.000 % is included in "Our
origination charge." (See item I above.)
q You receive a credit of $ for this interest rate of
This credit reduces your settlement charges.
El You pay a charge of S o. oo 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 different interest rate for this loan. 0.00
Your Aclusted Origination Charges 660.15
C
Your Charges for All Other Settlement Services
Some of these 3. Required services that we select
charges can These charges are for services we require to complete your settlement.
change at We will choose the providers of these services.
settlement. See Service Charge Service Charge
the top of page 3 Appraisal Fee 400.00 Credit Report 4.81
for more Tax Service Fee 72.00 Flood Certification Fee 4.00
information. Appraisal Ngmt Co Fee 140.00 Condo Certification Fee 300.00
920.81
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. 1,327.50
5. Owner's title insurance
You may purchase an owner's title insurance policy to protect your interest in the property. N/A
6. Required services that you can shop for
These charges are for other services that are required to complete your settlement. 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
0.00
7. Government recording charges
These charges are for state and local fees to record your loan and title documents. 96.00
8. Transfer taxes
These charges are for state and local fees on mortgages and home sales. o. 00
9. Initial deposit for your escrow account
This charge is held in an escrow account to pay future recurring charges on your property
and includes O all property taxes. 0 all insurance, and 0 other
0.00
10. Daily interest charges
This charge is for the daily interest on your loan from the day of your settlement until the
first day of the next month or the first day of your normal mortgage payment cycle. This
amount is $I27-08 I per day for In days (if your settlement is 11/25/14 . 162.50
II. lkmeowner's insurance
This charge is for the insurance you must buy for the property to protect from a loss. such
as fire.
Policy Charge Policy Charge
o.00
Your Charges for All Other Settlement Services 2,506.81
Total Estimated Settlement Charges 3,166.96
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Instructions This GFE estimates your settlement charges. At your settlement, you will receive a HUD-I. a form that lists your actual costs.
Compare the charges on the HUD-I with the charges on this GFE. Charges can change if you select your own provider and do not use
the companies we identify. (See below for details.)
Understanding These charges The Iola] of these charges These charges
which charges cannot Increase can increase up to 10% can change
al settlement at settlement: at settlement
can change at
settlement
• Our origination charge • Required services that we select • Required services that you can shop for
(if you do not use companies we
• Your credit or charge (points) for the • Title services and lender's tide
identify)
specific interest rate chosen (after you insurance (if we select them or you
lock in your interest rate) use companies we identify) • Tide services and lender's title
insurance (if you do not use
• Your adjusted origination charges (after • Owner's title insurance (if you use
companies we identify)
you lock in your interest rate) companies ut, identify)
• Owner's title insurance (if you do not
• Transfer taxes • Required services that you can shop
use companies we identify)
for (if you use companies we
identify) • Initial deposit for your escrow account
• Government recording charges • Daily interest charges
• Homeowner's insurance
Using the In this GFE. we offered you this loan with a particular interest rate and estimated settlement charges. However:
tradeoff table • 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.
If you would like to choose an available option. you must ask us for a new GFE.
Loan originators have the option to <woolen' this whir. Plell3r 044 fin (Uhl/lir/Ira if the table i.. nor romplrled.
Tn• • • •an
The • . •
Your initial loan amount S 325,000.00 S
Your initial interest rate i 3.000 % %
Your initial monthly amount
owed S 2 244.39 S S
Change in the monthly No change You will pay $ You will pay $
amount owed from this GFE more every month less every month
Change in the amount you will pay No change Your settlement charges Your settlement charges
at settlement with this interest rate will be reduced by will increase by
$ S
How much your total estimated
settlements es will be S 3 166.96 S S
1For an adjustable rate loan. the comparisons above are for the initial interest rate before adjustments are made.
Using the Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column for each GFE you
shopping chart receive. By comparing loan offers. you can shop for the best loan.
I I I i
Loan originator name Jeans Brown
Initial loan amount 5 325,000.00
Loan term 15 years
Initial interest rate 3.000 %
Initial monthly amount owed $ 2,244.39
Rate lock period 70 days
Can interest rate rise? No
Can loan balance rise? No
Can monthly amount owed rise? Ho
Prepayment penalty? Ho
Balloon a mcnt? Ho
$ 3,166.96
If your loan is
Sonic lenders may sell your loan idler s ttlement. Any fees lenders receive in the future cannot change the loan you receive or the
sold in the future charges you paid at settlement.
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