RICK MCCOY 11708 FYFE AVE TAMPA, FL, 33617 11578700 ...1].pdf · Thank you for your business, and...

TM - 8076 (1106)

Sincerely

HLD Welcome Letter

Good Faith Estimate of Settlement Charges which summarizes the estimated feesescrows and required monies due or are due to you at closing

For your convenience we have a secured toll free fax number established for you to forward yourdocuments Please fax the documents attached to this letter along with the ones checked in theClient Documentation Checklist to the fax number listed below within the next 48 hours

Thank you for your business and once again welcome to Chase Home Finance

We will clearly communicate with you about any outstanding items we need in order to stay on trackand meet your anticipated closing date

Dear

Welcome to Chase Home Finance My name is and I am your mortgage consultant It was a pleasure assisting you with your application and like you Iam excited about your decision to contact Chase about your mortgage needs

Now that youve completed the application we are sending you this package of important informationIncluded you will find the following documents for your review

Client Documentation Checklist which indicates what documents we need you tofax in order to expedite the processing of your loan application

Your satisfaction with Chase is extremely important to us We want to ensure that the homefinancing process is simple and worry-free for you resulting in an overall excellent experiencePlease let me know immediately if at anytime during the process you have a question or a concern

Mortgage Consultant

FaxEmail

05292007

RICK MCCOY11708 FYFE AVE

TAMPA FL 33617

11578700

(866) 401-8418

RICK MCCOY

Ashley L Portocarrero


ashleylportocarrerochasecom

CONDITIONAL CREDIT APPROVAL LETTERFor Refinances

Conditional Credit Approval - Refinances (606)

Dear

Date

Loan Number

Terms (Years)Assumed Interest Rate

Mortgage Insurance RequiredOccupancy Type

Product Type

Approval Expiration Date

Thank you for considering Chase for your home financing needs We are pleased to extend to youthis Conditional Credit Approval and look forward to providing you with a quick professional andhighly-personalized experience

Phone NumberFax Number

Subject Property Address

Loan Amount

Assumed Discount PointsEstimated Monthly Payment

Please note that this approval is subject to the satisfaction of the terms and conditions outlined in thisletter and the attached Credit Approval Conditions page Once these conditions are satisfied you willbe contacted by your loan processor to schedule a closing and advised of any closing requirements(for example proof of Hazard Insurance requirements andor Flood Insurance requirements if any)

In the event your financing needs change during the course of this process simply call us to discussalternative options Please understand that any such changes as well as the changes describedabove may impact the interest rate and terms associated with this Conditional Credit Approval

The rate and terms are not guaranteed and the approval is subject to validation of the information youprovided at the time of application If you have elected to lock your rate and points please refer toyour Lock-In Agreement and any associated addendums

If there is significant change to the information you disclosed (ie financial credit employment andorproperty) Chase reserves the right to cancel this Conditional Credit Approval In addition pleasenote that the Approval will expire on the date referenced above however it may be extended atChases sole discretion This Conditional Credit Approval is subject to compliance with all applicablefederal state and local laws rules and regulations and the execution of all documentation required byChase With your best interests in mind Chase will not make high-cost loans therefore thisConditional Approval is subject to Chases determination that the loan is not a high-cost loan

Since this is a refinance loan you have the right to cancel You can cancel your loan transactionwithin three (3) business days after settlement For this reason loan proceeds will not be disburseduntil the fourth (4th) business day after closing

Again thank you for your confidence in Chase we look forward to serving you

Sincerely

RICK MCCOY

May 29 2007

BRENDA MCCOY11708 FYFE AVE13TAMPA FL 33617

11578700

$15000000

RICK MCCOY


JPMorgan Chase Bank NA

866-330-1880 Ext18590

(866) 401-8418

11708 FYFE AVE13TAMPA FL 33617

FNMA FHLMC 20yr206250875$109639PrimaryNOJuly 28 2007

Conditions This Approval is subject to receipt and verification of all documentation provided to thesatisfaction of Chase You will receive additional correspondence from Chase describing the specificdocumentation you must send us in order to satisfy these conditions and for Chase to fully process yourapplication

1

2

3

4 Approval of collateral by Chase as security for the loan including without limitation

a Satisfactory appraisal of the property (including market value and property type)b Any required inspections and certifications as to the condition of the propertyc Review and approval of condominium unit planned unit development unit or cooperativeapartment and related project andor buildingd Maximum LTVCLTV limitations may apply

5 Receipt of commitment for mortgage insurance if applicable and satisfaction of any condition of thatcommitment

6 Contract to Purchase if applicable with all addenda fully executed

7 Any other verification or condition requested by Chase

Chase is your financial partner dedicated to providing quality service

Submit your documentation to

Borrower(s)

The Approval will expire on

Loan Number

8 Other

Conditional Approval - UnverifiedCAL-2 (1003)(replaces 303)

Verification of sufficient funds and source of funds required to meet closing costs (including loanorigination andor discount points) prepaids and cash reserves estimated in the amount no less than

Verification of Monthly Income in the amount of

Phone

as disclosed

as disclosed

Fax

May 29 2007 11578700

RICK MCCOY BRENDA MCCOY

Ashley L PortocarreroJPMorgan Chase Bank NA13150 W University Floor 213Tempe AZ 85281

July 28 2007

eMC

$1800000

$138739

$1150000

866-330-1880 Ext18590 (866) 401-8418

Credit Approval Conditions

Verification of Assets (ie cash on deposit marketable securities retirement accounts equity in anexisting home or other funds) in the amount of

CLIENT DOCUMENTATION CHECKLIST

In order to provide you with a quick decision on your loan application the following additional documents areneeded Please note that additional informationdocumentation may be requested once your application has beenreceived and reviewed Please contact Chase Home Finance with any questions you may have

Salaried Borrowersmost recent paystubs

most recent years 1040 Personal Tax Returns including all Schedules and Statements(Include 1040 Extension if current year is not filed yet)

Self-Employed Commissioned Borrowers(Self-employed documentation is required if greater than 25 ownership interest in a business or if greaterthan 25 of income is commission earnings)

most recent years 1040 Personal Tax Returns including all Schedules and Statementsmost recent years W-2 Formsmost recent years business returns (1120 1120S or 1065 Tax Returns)

Signed copies of any Federal Tax Return Extensions filed (1140 1120 1120S 1065)Most recent year-to-date ProfitLoss Statement or Commission Statement

(Include explanations and verifications of all large deposits on the statements) If you do not havestatements bank print-outs or copies of passbook savings are acceptable provided they have been stampedby the bankrsquos name and signed by a bank representative

Purchase loans a copy of the fully executed Contract of Sale for the subject property

If you are selling a home please supply the fully executed Listing Agreement andor Contract of Sale withan estimate of the net proceeds to be received from the sale

Copy of current lease agreements on any investment properties owned and if owned greater than one year

Fully executed Gift Letter Form including a copy of the donorrsquos bank statement verifying the funds

A check in the amount of $ for the Appraisal andor Application Fee

A letter of explanation regarding any past or present delinquent credit obligations or lawsuits

Copy of current Green CardWork Visa and current status

Current landlord information name address phone and fax

If there has been a divorce or separation a complete copy of the final judgement of divorce or divorcedecree or complete separation agreement

Name address and telephone number of the attorney or title company you wish to use for closing

Other

Other

-9593008 (11-04) ELECTRONIC LASER FORMS INC - (800)327-0545

Customer

most recent W-2 Forms

Loan NoMCs Phone

Send Information To

MCs Fax

most recent monthly bankbrokeragemutual fundretirement account statements (all pages)

most recent years 1040 personal tax returns with all schedules and attachments

RICK MCCOY

11578700JPMorgan Chase Bank NA13150 W University Floor 213Tempe AZ 85281

Ashley L Portocarrero866-330-1880 Ext18590(866) 401-8418

XX

X

X

X HOMEOWNERS INSURANCE DEC PAGE

X 2

1

2

AUTHORIZATION TO DISCLOSE INFORMATIONC-6077 (805) (replaces 297)

AUTHORIZATION TO DISCLOSE INFORMATION

LenderLoan Case Property Address

Name

TO BORROWER

1 In order to process your mortgage loan application Lender must verify all the information you haveprovided concerning employment income assets bank accounts credit rental and prior mortgages Yoursignature is required to have this information released to Lender

2 A copy of this authorization may be accepted as an original

3 Your prompt reply to any inquiries from Lender or the investor who purchased the mortgage isappreciated

4 FOR ALTERNATE DOCUMENTATION LOANS I understand and agree that Lender reserves the rightto change the mortgage loan review process to a full documentation program This may include verifyingthe information provided on the application with the employer andor financial institutions

5 By signing below I acknowledge understanding of the purpose of this Authorization and its intended use

NOTICE TO BORROWERS This is notice to you as required by the Right to Financial Privacy Act of 1978 thatHUDFHA has a right of access to financial records held by financial institutions in connection with theconsideration or administration of assistance to you Financial records involving your transaction will beavailable to HUDFHA without further notice or authorization but will not be disclosed or released by thisinstitution to another Government Agency or Department without your consent except as required or permitted bylaw

Privacy Act Notice This information is to be used by the agency collecting it or its assignees in determiningwhether you qualify as a prospective mortgagor under its program It will not be disclosed outside the agencyexcept as required and permitted by law You do not have to provide this information but if you do not yourapplication for approval as a prospective mortgagor or borrower may be delayed or rejected The informationrequested in this form is authorized by Title 38 USC Chapter 37 (if VA) by 12 USC Section 1701 etseq (ifHUDFHA) by 42 USC Section 1452b (if HUDCD) and Title 42 USC etseq or 7 USC 1921 etseq (ifUSDAFmHA)

TO WHOM IT MAY CONCERN

The undersigned applicant(s) has hereby applied for a real estate loan with Lender You are hereby authorized torelease any information required by Lender andor its assigns to complete the processing of the loan requestNecessary credit information may include employment savings deposits checking accounts consumer creditbalances payment and history including mortgage payment history

A photocopy of this authorization may be used as the equivalent of the original

Your prompt reply will help expedite their real estate transaction

Borrower 1 Signature Date

Borrower 2 Signature







Date

Date

Date

Date

Date

Date

Date

JPMorgan Chase Bank NA11578700

11708 FYFE AVETAMPA FL 33617


RICK MCCOY

BRENDA MCCOY

Respond To

LOCK-IN AGREEMENT

PLEASE READ THE TERMS AND CONDITIONS OF THIS AGREEMENT CAREFULLY THIS AGREEMENT IS NOT VALID

UNLESS I HAVE SELECTED OPTION I OR OPTION II BELOW BOTH LENDER AND I HAVE SIGNED THIS AGREEMENT AND

ALL FEES HAVE BEEN PAID In this Agreement I me my means all of the applicants who sign below The words you

I

II LOCK-IN OPTION I DO WANT to lock-in my interest rate discount points and fees at this timeI HAVE ELECTED THE

INTEREST RATE

DISCOUNT POINTS AND ORIGINATION FEES

ORIGINATION FEEDISCOUNT POINTSOTHER

EXPIRATION DATE

LOCK-IN FEE FLOAT DOWN FEE

EXTENDED LOCK-IN FEE

NOTE LOCK-IN EXTENDED LOCK-IN AND DEPENDING ON THE OPTION SELECTED RATE CAP FEES PAID PRIOR TOCLOSING WILL BE CREDITED AT CLOSING FIRST TOWARD TOTAL DISCOUNT POINTS AND THEN TOWARD CLOSING COSTS

If checked the interest rate is adjustable and subject to change The initial interest rate shall be the rate specified above I hereby

APPLICANT

MORTGAGE AMOUNT TERMPROPERTY

MORTGAGE TYPEPROGRAM

DAY OPTION AS DETAILED BELOW

$$$

$ $( )

$

acknowledge that an Adjustable Rate Mortgage (ARM) Disclosure describing the features of my ARM has been provided to me

To lock-in my interest rate discount points and fees I will telephone my loan officer or Mortgage Consultant and after locking-in myinterest rate discount points and fees I will confirm my lock-in request in writing

SELECT A LOCK-IN OPTION

7 15 30 45 60 or 90 DAY LOCK I have selected the 7 15 30 45 60 or 90 Day Lock Option as specified above which locks in myinterest rate andor points for the loan program for the applicable time period

45 OR 60 DAY LOCK FLOAT DOWN OPTION I have selected the 45 or 60 Day Lock Float Down Option which allows me to lockin for 45 or 60 days as specified above If the interest rate andor points for the loan program and lock period I have selected decreaseduring the 30 calendar days prior to my loan closing (but no later than 48 business hours prior to my loan closing) then I may obtain anew lower rate andor points (the Float Down Rate) I may only select a Float Down Rate that corresponds to my original lock periodFor example if my original lock-in is for 60 days my Float Down Rate must be selected from the then current 60-day rate options thatcorrespond to my loan program My new Expiration Date will be the earlier of my original Expiration Date or the date 30 calendar daysfrom my election of the Float Down Rate

CHOICE EXTENDED LOCK FLOAT DOWN OPTION I have selected the Choice Extended Lock Float Down Option which isapplicable for a 71 Adjustable Rate Mortgage (ARM) If during the 15 calendar days prior to closing (but no later than 48 businesshours prior to closing) the current 60 day price for the Choice 71 ARM is lower than my locked rate I may re-lock at the current marketrate When I choose to exercise this Float Down Option my original Lock Expiration is void and my new Lock Expiration will be theearlier of my original Expiration Date or 15 calendar days from the date I exercised my Float Down Option

RATE CAP OPTION I have selected the Rate Cap Option which allows me both to lock-in for a period of 90 120 150 180 270 or360 days as specified above and the opportunity to close at a rate andor points lower than my locked rate andor points as specifiedbelow

LOCK-IN AGREEMENT

C- 5220NA (106) (replaces 1005 amp 704 which replaced all versions and all state specific versions)

of 2

your and Lender mean

RATE CAP FEE $

Date

The rate and points stated in this agreement are based on several factors including but not limited to loan amount documentation type

loan type occupancy type property type loan to value and your credit score Your final rate and points may be higher or lower based

on information relating to the factors listed above which may be determined after the date of this agreement

LOCK SOLIDtrade OPTION (only available for newly constructed homes) I have selected the Lock Solid Option which allows meboth to lock-in for a period of 120 150 180 270 360 450 540 or 720 days (lock periods greater than 360 days only for ARM

05292007

11578700



11708 FYFE AVE TAMPA FL 33617

$15000000 20 years Chase Agency


X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X

FLOAT OPTION I DO NOT WANT to lock-in my interest rate discount points and fees at this time I understandthat interest rates discount points and fees are subject to change and that it is my responsibility to monitor Lenders loan terms duringthe period in which I choose to float Before my loan can close I must lock-in an interest rate discount points and fees I maylock-in at any time during the term of my float but this lock-in MUST be received at least two business days prior to closing

EXPIRATION DATE If the Expiration Date falls on a weekend or Lender observed holiday the Expiration Date will extend to the next businessday If my loan does not close and fund by the Expiration Date through no fault of Lender my interest rate discount points and fees will be the

greater of the terms established by this Agreement or the current market rate established by Lender If such failure to close and fund is based onevents that are linked to Lenders actions or omissions to act then my interest rate discount points and fees as locked-in by this Agreement willcontinue until my loan either closes and funds or is denied by Lender in accordance with its credit standards

LOCK-IN EXTENDED LOCK-IN and RATE CAP FEES (together Lock-In Fees) I agree to pay Lock-In Fees in the amount(s) statedabove to lock-in my interest rate discount points and fees Lock-In Extended Lock-in and depending on the option selected on the Rate Cap Feeswill be credited at closing first toward total discount points and then toward closing costs

FLOAT DOWN FEE I agree to pay a Float Down Fee if applicable in the amount stated above I understand that I must pay anup front Float Down Fee as stated above at the time I elect the Choice 71 Extended Lock with Float Down This Float Down Fee isin addition to any other fees which I will or have already paid to lock my interest rate discount points and fees EXCEPT ASDESCRIBED BELOW LENDER WILL RETAIN THE ENTIRE FLOAT DOWN FEE AS AN EARNED FEE FORSERVICES RENDERED THE FLOAT DOWN OPTION FEE IS NOT REFUNDED AT CLOSING OR APPLIED TOCLOSING COSTS

REFUNDABILITY OF LOCK-IN AND FLOAT DOWN FEES These Lock-In and Float Down Fees will be refunded to me if my loanapplication is denied for credit reasons These Lock-In and Float Down Fees will NOT be refunded to me if I have withdrawn my application or myloan through no fault of Lender does not close and fund by the Expiration Date of this Agreement if I supply incomplete or inaccurate informationor unless approved in writing by Lender I change the type term property or amount of the loan for which I applied The Float Down Fee will notbe refunded if I fail to exercise the float down option

I understand that this Agreement is not a loan approval or a commitment to make a loan I understand that I must submit my loan application toLender within three (3) business days of locking in my loan and that failure to do so may invalidate this Lock-In Lender will make a good faitheffort to process my loan application and if approved to close and fund my loan prior to the Expiration Date This Agreement can only be changedin writing and must be signed by both Lender and me to be valid I may not assign this Agreement to any other person This Lock-In is subject toverification of all information provided to Lender in my application and credit report The locked interest rate fees and points may be subject tochange if my credit standing changes or unless approved in writing by Lender if I change the type term property or amount of loan for which Iapplied or in the event any information I have provided to Lender in my application or otherwise is found to be false or incorrect in any way or if Ihave selected Lender Paid Mortgage Insurance and my loan-to-value ratio changes by date of closing I shall not be entitled to any interest that mayaccrue on the Lock-In Extended Lock-In Rate Cap or Float Down Fee whether or not they are refunded to me If I have any questions orcomments I will address them to my loan officer or Mortgage Consultant at the location where I made my loan application

Applicant ApplicantDate Date

Applicant Date Applicant Date

Lender

By Date

LOCK-IN AGREEMENTC- 5220NA (106) (replaces 1005 amp 704 which replaced all versions and all state specific versions)

Page 2 of 2

products sold under the Premier Builder program) as specified above and the opportunity to close at a rate andor points lower than my locked rateandor points as specified below

RATE CAP and LOCK SOLID If I change products during the life of the lock my new ratepoints will be determined as follows

(ii)

(i)

To exercise my one-time option to lock a rate andor points lower than my existing locked rate andor points as described in the 45 or 60 DayLock Float Down Option Choice Extended Lock Float Down Option Rate Cap Option paragraphs immediately above I will telephone my loanofficer or Mortgage Consultant I understand that I will be responsible for monitoring Lenders interest rates discount points and fees inconnection with this float down option



EXTENDED RATE LOCK OPTION I have selected the Extended Rate Lock Option which allows me to lock-in for a period of120 150 or 180 days as specified above

if I change product suites (eg 51 ARM to 71 ARM) then my new ratepoints will be the higher of the ratepoints in effect for the newproduct on my original lock date and the ratepoints in effect on my product change date If I change products at the time of float down the rulesbelow will apply If ratepoints decrease during the lock period I may within 60 days (but no less than 48 business hours) prior to my closing dateexercise a one time option to float down to the lower ratepoints My new ratepoints will be based on the 60 day price at the time of float downMy lock Expiration Date will not change

if the new product is within the same product suite (eg 51 LIBOR ARM changed to 51 Interest Only ARM) then my new ratepointswill be the ratepoints in effect for the new product on my original lock date or

Florida Anti-Coercion DisclosureC-0926 (805) (replaces 697 amp W0926 704)

THE FOLLOWING STATEMENT IS REQUIRED UNDER RULE 69B-124002 OF THE RULES AND REGULATIONS

PROMULGATED BY THE CHIEF FINANCIAL OFFICER RELATIVE TOANTI-COERCION AND RULE 69O-124002 OF THE RULES AND

REGULATIONS PROMULGATED BY THE FINANCIAL SERVICESCOMMISSION RELATIVE TO ANTI-COERCION

The Insurance Laws of the State of Florida provide that the Lender may not require theBorrower to take insurance through any particular insurance agent or company to protect themortgaged property

The Borrower subject to the rules adopted by the Chief Financial Officer or Financial ServicesCommission has the right to have the insurance placed with an insurance agent or company ofhis choice provided the company meets the requirements of the Lender The Lender has theright to designate reasonable financial requirements as to the company and the adequacy of thecoverage

Borrower Date

Insurance Company to write the hazard insurance covering property located at

I have selected theInsurance Agency or

Borrower Date

INSURANCE ANTI-COERCION STATEMENTFOR REAL OR PERSONAL PROPERTY

I have read the foregoing statement or the rules of the Chief Financial Officer or Office ofFinancial Services relative thereto and understand my rights and privileges and those of theLender relative to the placing of such insurance

DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY

Application DisclosureC- 5219NA (805) (replaces 704 which replaced all versions and all state specific versions )

APPLICATION DISCLOSURE

FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$

The following non-refundable fees may be due in connection with my loan

If my loan is approved this fee is due when I accept the Commitment Lender will issue to me The commitment fee will be credited to my total discount at closing

Rate LockFloat I will sign a separate agreement electing to lock or float my interest rate and points Fees for theoption I select will be described in that agreement

Appraisal and credit report fees listed above are estimates If the actual cost is less I will receive a refund If it is more Iwill pay the actual cost

The above fees do not include all the fees I will be required to pay at closing I will refer to my Good Faith Estimate for amore complete listing

APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM

CREDIT REPORT AUTHORIZATION During the review of my application Lender may obtain a consumer creditreport on me If I ask Lender will tell me the name and address of the consumer reporting agency that furnished thereport If my loan is approved Lender or anyone to whom my loan may be sold may obtain future consumer creditreports on me to use in extending modifying or otherwise reviewing my loan

INSURANCE AUTHORIZATION I authorize Lender to share information from and about me as permitted by lawfor the purpose of offering insurance products to me

Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000

Chase Agency Generic 20 Yr Fixed

39500

000

000

3500

000


Appraisal Disclosure NoticeC-6047 (1105) (replaces C6047 805 amp W6047 105)

Loan Date

APPRAISAL NOTICE

We must hear from you no later than 90 days after you are notified about the action taken onyour credit application (If you withdraw your application you must make your request for anappraisal report within 90 days of the withdrawal) You can telephone us instead of writing butby doing so you are not assured of preserving your rights

In your written request to us please provide your name current mailing address loan numberand property address

Date

Date

Date

Date

Date

Date

Date

Date

Lender engages independent appraisers and property valuation companies to prepare appraisalsandor valuation reports for the sole purpose of ensuring that property proposed as collateral fora potential loan by Lender has sufficient value to secure that loan Appraisals valuation reportsare not ordered for the purpose of ensuring that an individual is making a prudent investmentand should not be relied upon by an individual to determine the property value or as a substitutefor a property inspection or similar report

LENDER

11578700 05292007



Chase Appraisal Copy Request

PO Box 2473013Columbus OH 43224-0724

You have the right to a copy of the appraisal andor valuation report obtained in connection withyour application for credit provided that if required you have paid for the report You can get acopy of this report by writing to us at

JPMorgan Chase Bank NA Chase Bank USA NA (CUSA)

AFFILIATED BUSINESS ARRANGEMENTDISCLOSURE STATEMENT

Home finance loans and lines of credit are offered by JPMorgan Chase Bank NA or Chase BankUSA NA (CUSA) depending on the property location and product type

JPMorgan Chase Bank NA and CUSA are affiliates To assist our customers in selecting thefinancing option that best suits their needs we may refer them from one affiliate to another Sincethese referrals may result in a financial or other benefit to JPMorgan Chase Bank NA or CUSAwe are required by federal law to provide you with this disclosure

Set forth below is the estimated charge or range of charges by JPMorgan Chase Bank NA orCUSA for settlement services relating to home finance loans and lines of credit These amountsare estimates only and will vary depending on the property location and the type of loan forwhich you applied Charges for the services stated below may not apply to every transaction

Charges for credit report appraisal recording settlement escrow agents fees title searchesand endorsements flood certification tax service fees surveys courier fees underwritingprocessing and document preparation as permitted by state law generally range from 1 to3 of the loan amountCharges for loan discount andor origination fees range from 0 to 6 of the loan amountMortgage title insurance when required can range from $100 to $800 per thousandSome states charge recording tax state tax stamps or transfer taxes ranging from $020 to$2830 per thousand

You are NOT required to use JPMorgan Chase Bank NA or CUSA to obtain home financingTHERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLEWITH SIMILAR SERVICES YOU ARE FREE TO SHOP AROUND TO DETERMINE THATYOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESESERVICES

JPMorgan Chase Bank NA and CUSA are permitted to require the use of an attorney creditreporting agency or real estate appraiser chosen to represent the lenders interest in the transaction

ACKNOWLEDGMENT

The undersigned has read this disclosure and understands that a referral from one Chase affiliate toanother may result in a financial benefit to JPMorgan Chase Bank NA andor CUSA

Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date

Affiliated Lender ABA Disclosure Statement

Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700


Mortgage Guaranty Insurance Disclosure C 5218NA (704)

MORTGAGE GUARANTY INSURANCE DISCLOSURE

This disclosure applies only to loans that require mortgage guaranty insurance

194 Wood Avenue South 3rd FloorIselin New Jersey 08830Attention Paulina Ong

Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

Chase Home Finance LLC


Mortgage guaranty insurance protects Chase if I fail to repay my loan Mortgage underwriters ONLY requiremortgage guaranty insurance for certain loans with smaller down payments I understand that mortgage guarantyinsurance is NOT hazard (fire and casualty) insurance which is required for all loans and is NOT life or disabilityinsurance

If I am required to have mortgage guaranty insurance Chase will arrange for an insurance company toprovide this coverage at my expense The insurance company may ask another insurance company to assume some orall of the risk under the insurance policy in exchange for a portion of the insurance premium This is calledreinsurance and may result in a financial gain to the company providing the reinsurance Chase has an affiliate CrossCountry Insurance Company that provides reinsurance to mortgage guaranty insurance companies however areinsurance arrangement with Chase will not change my mortgage guaranty insurance premiums

Even though a reinsurance arrangement involving Chases affiliate will not increase my premiums Iunderstand that I may exclude the mortgage guaranty insurance coverage from this arrangement Toaccomplish this I must send a letter to you requesting to be excluded including the loan number and address of theproperty I am financing to the address listed below Chase must receive this letter no later than ten (10) days after myapplication date I understand that no other methods of notification will be accepted

I UNDERSTAND THAT THIS LETTER IS ONLY NECESSARY IF MY LOAN REQUIRESMORTGAGE GUARANTY INSURANCE AND IF I WANT MY INSURANCE EXCLUDED FROM THISREINSURANCE ARRANGEMENT

If Chase receives such a letter from me Chase will obtain my mortgage guaranty insurance through a programthat does not involve a reinsurance arrangement with Chases affiliate I will still be obligated to pay the mortgageguaranty insurance premiums due in connection with my loan

The Chase Mortgage Process

1 A Loan Officer will request from you any required documents that may be needed to begin processing theapplication (Now its time to gather all the information and supporting documentation youll need to apply fora mortgage Getting ready ahead of time will help the process move along quickly and smoothly )

Here are some of the documents you may need to prepare for the home financing process

Your social security number (or proof of permanent residency)

Pay stubs for the last 2 months W-2 forms for the past two years Bank statements for the past 2-3 months1 to 2 years of Federal tax returnsA signed contract of sale (if youve already chosen your new home) Information on current creditors-car loan student loan credit cards etc

Be sure to read about additional requirements if youre self-employed or buying a co-op or condominium

Review a copy of your credit reportYour credit report will be ordered by Chase as part of your application process however if you review your creditreport and address any errors before you apply you can avoid potential delays during processing Make sure yourcredit report accurately reflects your current credit situation

Home Inspection (Purchase transactions only) You should get a Home Inspection prior to closing A pre-purchase home inspection performed by a professionalis a visual examination of the readily-accessible areas of a home to provide an accurate evaluation of the homescondition at the inspection This evaluation is presented to the buyer in a comprehensive report so buyers are fullyinformed of the homes condition prior to purchase While a home inspection is not required by Chase it is highlyrecommended

2 Next a Loan Processor will place orders for a property appraisal a flood determination as well as a title searchand title insurance

3 The Underwriter will review all your information and decide whether to approve or deny the loan TheUnderwriter will not have direct contact with you

4 Finally the Closer will assemble the closing package and ensure that all fees and other closing payments areaccurately documented In most cases he or she will establish an escrow account for payment of necessaryinsurance and real estate taxes Lastly the Closer authorizes the mortgage funds for disbursement You will becontacted to schedule a date and time for the closing

Once your loan is approved and cleared for closing you and the seller(s) agree upon a mutually convenient date tomeet and officially transfer ownership of the home to you (Purchase transactions)

The closing meeting is typically attended by the buyer(s) seller(s)building developer attorneys real estate agent(s)and a closing agent (Purchase transactions)

Here are some things you can do ahead of time to ensure a successful closing Fulfill any conditions specified at thetime of your loan approval Obtain homeowners insurance - This required insurance protects you against loss or damage due to theft fire

or certain weather-related hazards In some areas it may also be necessary to obtain flood insurance Resolve title questions - If your title search turned up other liens on the property these will need to be resolved

before closing can occur

Chase Mortgage Process NoticeC5810 (104) Page 1 of 2

11578700

Conduct a final walk-through of the home to ensure any agreed upon repairs have been completed bythe seller (Purchase transactions only)

Review the final estimates of your closing costs

Prepare a certified check or money order - not a personal check - to cover your down payment (purchasetransactions only) and closing costs Make sure you can meet the conditions of our mortgage commitment

Frequently Asked Questions

Q What is PITIA PITI is a lending industry acronym for monthly housing expenses principal interest taxes and insurance Theprincipal and interest are your loan repayment costs Property taxes vary depending on the location of your homeThe insurance is your homeowners policy and if necessary flood insurance and Private Mortgage Insurance

Q What documentation will be needed to verify the information I provided on my application A Once you apply you will need to gather supporting documentation which may include but is not limited tosome of the following


Consecutive pay stubs for the last monthW-2 forms for the past two years

Bank statements for the past 2 months1 to 2 years of Federal tax returnsA signed contract of sale (if youve already chosen your new home)

You can also print our Applicants Preparation Checklist found on the Chase website (wwwChasecom) for morecomplete details on what you will need You can also contact your Loan Officer directly to obtain a copy of thisdocument Be sure to ask about additional requirements if youre self-employed or buying a co-op or condominium

Q What if I cant supply the standard documentation necessary to get a loanA Chase offers special loan programs that include alternate low or even no documentation For more detailscontact your Loan Officer directly

Q How is my mortgage application evaluatedA Your application will be evaluated on the following criteria

Your incomeYour employment history and stabilityYour ability to handle current obligations as well as new onesYour ability and willingness to repay (credit report)The value of the property being purchased or refinancedYour assets for the ability to meet your downpayment closing costs and reserves


Date

Loan Number

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING ANEW ACCOUNT

Borrower Identification Notice C6405 703 Page 1 of 1

Lender JPMorgan Chase Bank NA

05292007

11578700

To help the government fight the funding of terrorism and money launderingactivities Federal law requires all financial institutions to obtain verify and recordinformation that identifies each person who opens an account

What this means for you When you open an account we will ask for your nameaddress date of birth and other information that will allow us to identify you We mayalso ask to see your drivers license or other identifying documents

Homeowners Insurance AfBAC-6663 (105) (replaces 704)

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENTHAZARD INSURANCE

Date

To

Property

From JPMorgan Chase Bank NA

This is to give you notice that JPMorgan Chase Bank NA has a business relationship with ChaseInsurance Agency Inc (CIA) and Chase Manhattan Insurance Agency Inc (CMIAI) licensedinsurance agencies CIA and CMIAI are affiliates of JPMorgan Chase Bank NA You may be referredto either CIA or CMIAI Because of these relationships this referral may provide JPMorgan ChaseBank NA a financial or other benefit

Set forth below is the estimated charge or range of charges for the settlement service listed You areNOT required to use the listed provider as a condition for settlement of your loan on the subject propertyTHERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITHSIMILAR SERVICES YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARERECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES

Provider and Settlement Service Range of Charges

CIA or CMIAI -- Hazard Insurance Hazard Insurance Premium for 1 YearFor Your Property

ACKNOWLEDGEMENT

Iwe have read this disclosure form and understand that JPMorgan Chase Bank NA is referring meusto purchase the above-described settlement service and may receive a financial or other benefit as theresult of this referral

$100 - $1000 per $1000 of propertyreplacement cost

Date DateSignature Signature




May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617


CHASE PRIVACY POLICY

This Policy explains what Chase does to keep information about you private and secure Wewant you to know how we manage that information to serve you and that you have choicesabout how it is shared This Policy covers our family of companies a partial list of which iscontained at the end of this Policy Please read this Policy carefully Q What information do you have about meA To provide services and to help meet your needs we collect information about you fromvarious sources

We get information from your requests for our products or services One example isincome on loan applicationsWe get information about your transactions with us and with others For example wehave your account balance informationWe get information such as your credit history from credit bureaus

Q How do you safeguard information about meA We take a number of steps to protect the privacy of information about you Here are someexamples

We keep informat ion under physical electronic or procedural controls that comply withor exceed governmental standards We authorize our employees agents and contractors to get information about you only when they need it to do their work for usWe require companies working for us to protect information They agree to use it onlyto provide the services we ask them to perform for us

Q Is information about me shared within your family of companiesA Yes We may share information about you within our family as required or permitted bylaw This helps us to offer you financial products and services such as loans depositsinvestments credit cards and insurance Q Is information about me shared with service providers and financial companies outsideyour family of companiesA Yes as permitted by law We may share informat ion about you with outside companiesthat work for us These may include firms that assist in marketing our products We may also share info rmation about you with outside financial companies that have joint marketingagreements with us These arrangements give you the opportunity to receive additionalproducts or services Q Is information about me shared with non-financial companies outside your family ofcompaniesA Yes We may share information about you with companies outside of our family aspermitted by law including retailers auto dealers auto makers direct marketersmembership clubs and publishers

Q Is information about me shared in any other waysA Yes We may also share information about you in other ways as required or permitted bylaw Here are some examples of ways that we share informati on

To protect against fraud To respond to a subpoena To service your account To report to a credit bureauWith your consent

Privacy PolicyC-7052 (706) (replaces 705 amp TMO7052 804) Page 1 of 3

Loan Date 11578700 05292007

Q What choices do I have about information sharingA We offer you the following two choices about sharing information that identifies you

Choice You may tell us not to share information about you with non-financial companies outside of our family of companies Even if you do tell us not to share we may do so as required or permitted by law Also if you have authorized us to shareinformation in connection with a particular product or service we will continue to share information about you in connection with that product or service For example you might have a credit card with one of our airline retail or university partners thatoffers rewards programs

Choice You may tell us not to share the following information about you within ourfamily of companies

o Information from your applications to be used to determine your eligibilitysuch as your income

o Information from consumer credit reports such as your credit historyo Information from sources used to verify information you provide us such as

outstanding loans or employment history Even if you do tell us not to share we may share other types of information within ourfamily For example we may share name and address information about transactionsor balances with us as well as survey results

Q How do I tell you about my privacy choicesA You may contact us by

o calling us toll-free at 1-888-868-8618 oro for hearing impaired assistance dialing 7-1-1then 1-888-868-8618 and wait for

operator assistance oro writing us at P O Box 260185 Baton Rouge LA 70826-0185

You do not need to contact us unless you want to make one of the privacy choices listed aboveIf you are a current customer you do not need to contact us unless you want to change achoice you previously indicated to us Q What about joint accountsA Eachperson may separately make privacy choices and joint account holders may makeprivacy choices for each other If only one joint account holder makes a privacy choiceinformation about the other joint account holder may be shared Q How do you tell me about your PolicyA We send our Policy to you when you open a new account We also send it to currentcustomers yearly We may change our Policy We will send you a new policy if we broaden ourinformation sharing practices about you Our Policy is available at wwwchasecomprivacy Special Notice for Vermont ResidentsIn order to comply with Vermont law we will automatically treat accounts with Vermont mailing

addresses as if you have made both of the privacy choices listed above In addition if we disclose

information about you to other financial institutions with which we have joint marketing agreements

we will only disclose your name contact information and information about your transactions


and


Special Notice for California ResidentsIn order to comply with California law the following applies if your account has a Californiamailing address

Even if you do not make privacy choice 1 listed above we will not share information that we have about you with non-financial companies outside our family of companies unless otherwise permitted by law We will not share information about you within or with financial companies outsideour family of companies unless we first provide you with further privacy choices orunless otherwise permitted by law

Q Who is covered by this PolicyA This Policy covers the JPMorgan Chase amp Co family of companies The following is a partiallist of its US consumer financial services companies

JPMorgan Chase Bank NAJPMorgan Insurance Agency Inc

JP Morgan Trust Company NAChase Bank USA NAChase Auto Finance CorpChase Home Finance LLCChase Investment Services CorpChase Insurance Agency IncBancBank

This Policy applies to current and former consumer customers Separate policies may apply tocustomers of certain businesses such as Private Banking or Insurance In addition customersin certain states may also receive policies that apply to them The privacy policies posted on our websites apply when you use those sites In addition our online consumer informationpractices are at wwwchasecomprivacy

One Acceptance CorpOne Education Finance Corporation

JP Morgan Securities Inc

Uniform Residential Loan Application

MortgageApplied for

VA

FHA USDARural Housing Service

Amount Interest Rate No of Months AmortizationType

Agency Case Number Lender Case Number

Fixed Rate

GPM

Other (explain)

ARM (type)

I TYPE OF MORTGAGE AND TERMS OF LOAN

II PROPERTY INFORMATION AND PURPOSE OF LOAN$

No of Units

Year Built

Subject Property Address (street city state amp ZIP)

Legal Description of Subject Property (attach description if necessary)

Purpose of Loan Purchase

Refinance

Construction

Construction-Permanent

Other (explain) Property will bePrimaryResidence

SecondaryResidence Investment

Complete this line if construction or construction-permanent loanYear LotAcquired

Original Cost

Amount Existing Liens

(a) Present Value of Lot (b) Cost of Improvements Total (a + b)

$$$$

$

Complete this line if this is a refinance loanYear Acquired

Original Cost Purpose of Refinance DescribeImprovements


made to be made

Cost $

Estate will be held in

$

$

Leasehold (showexpiration date)

Title will be held in what Name(s)

Source of Down Payment Settlement Charges andor Subordinate Financing (explain)

IV EMPLOYMENT INFORMATION Co-BorrowerBorrower

III BORROWER INFORMATION Co-BorrowerBorrowerCo-Borrowers Name (include Jr or Sr if applicable)

Married

Separated

Unmarried (include singledivorced widowed)

Dependents (not listed by Borrower)

Manner in which Title will be held

Social Security Number Home Phone (incl area code) YrsSchool

Present Address (street city state ZIP) Own Rent No Yrs

Former Address (street city state ZIP)Own Rent No Yrs

Borrowers Name (include Jr or Sr if applicable)

Married

Separated


Dependents (not listed by Co-Borrower)

Social Security Number Home Phone (incl area code) DOB(mmddyyyy)

YrsSchool

Former Address (street city state ZIP)

Mailing Address if different from Present Address

If residing at present address for less than two years complete the following

Present Address (street city state ZIP) Rent No Yrs


Own Rent No Yrs

Name amp Address of Employer

PositionTitleType of Business Business Phone (incl area code)

Dates (from - to)

Monthly Income

Self Employed

If employed in current position for less than two years or if currently employed in more than one position complete the following



Yrs on this job

Yrs employed in this lineof workprofession

Self Employed



Dates (from - to)

Monthly Income

Self Employed

$


Business Phone (incl area code)

Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages

PositionTitleType of Business

$

Own

Freddie Mac Form 65 705Fannie Mae Form 1003 705

also be provided (and the appropriate box checked) when

Co-Borrower

If this is an application for joint credit Borrower andCo-Borrower each agree that we intend to apply forjoint credit (sign below)

than the Borrower (including the Borrowers spouse) will be used as a basis for loan qualification or

-21N (0507)03

InitialsPage 1 of 4

Other (explain)Conventional

VMP Mortgage Solutions Inc

DOB(mmddyyyy)

This application is designed to be completed by the applicant(s) with the Lenders assistance Applicantsshould complete this form as Borrower or Co-Borrower as applicable Co-Borrower information must

Borrower

Fee Simple

the income or assets of a person other

the income or assets of the Borrowers spouse or other person who has community property rightspursuant 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 applicable law

and Borrower resides in a community property state the security property 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

X

11578700

X

15000000 6250 240

11708 FYFE AVE TAMPA FL 33617 1

1955

X X

CashOutDebtConsolidation

0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

HYDRASPA 8 Yrs HILLSBORO COUNTY SCHOOLS 30 Yrs

6101 N 45th St13

SAINT PETERSBURG 33714 FL

901 E KENNEDY BLVD13

TAMPA 33602 FL8 30

VP MARKETING DIRECTOR 727-573-9611 Ext270 ACCOUNTING (813) 272-4000

1115787009 11578700

Rick McCoy and Brenda McCoy

CDD (0507)03

Gross Monthly Income

Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income

Other (before completingsee the notice in describeother income below)

Borrower Co-Borrower Total Combined Monthly Housing Expense Present Proposed

VI ASSETS AND LIABILITIES

Rent

First Mortgage (PampI)

Other Financing (PampI)

Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$

Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements

V MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Describe Other Income Notice Alimony child support or separate maintenance income need not be revealed if the Borrower (B)or Co-Borrower (C) does not choose to have it considered for repaying this loan Monthly AmountBC

$

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities aresufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis otherwise separate Statements and Schedules are required Ifthe Co-Borrower section was completed about a non-applicant spouse or other person this Statement and supporting schedules must be completed about that spouseor other person also

$

$

Liabilities and Pledged Assets List the creditors name address and account number for all outstanding debtsincluding automobile loans revolving charge accounts real estate loans alimony child support stock pledges etcUse continuation sheet if necessary Indicate by () those liabilities which will be satisfied upon sale of real estateowned or upon refinancing of the subject property

ASSETS Cash or MarketValue

DescriptionCash deposit toward purchase held by

List checking and savings accounts below

Name and address of Bank SampL or Credit Union

Life insurance net cash value

Acct no

$


$


Acct no


$

Stocks amp Bonds (Company namenumberamp description)

Face amount $

$

$

$

$

$

$

$

$

$

Subtotal Liquid AssetsReal estate owned (enter market valuefrom schedule of real estate owned)

Vested interest in retirement fund

Net worth of business(es) owned(attach financial statement)

Automobiles owned (make and year)

Other Assets (itemize)

LIABILITIES Unpaid Balance

$

Name and address of Company

$

$


$

$


Acct no

Acct no



Acct no

AlimonyChild SupportSeparate MaintenancePayments Owed to


Job-Related Expense (child care union duesetc)

Total Monthly Payments$

Acct no


Acct no

Net Worth(a minus b)Total Assets a

Not JointlyJointlyCompleted

Monthly Payment ampMonths Left to Pay

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths

$ Total Liabilities b

$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431

SUNCOAST CU 70300 7494900

0

6431

FREEDOM 1ST FCU 74400 4159300

0

9182400001

NISSAN MOTOR ACCEPTANC 64400 2391600

0

102466865860001

WASH MUTUAL PROVIDIAN 9300 306900

0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700

X INFORMATION FOR GOVERNMENT MONITORING PURPOSES

Schedule of Real Estate Owned (If additional properties are owned use continuation sheet)

Property Address (enter S if sold PS if pending saleor R if rental being held for income)

Type ofProperty

PresentMarket Value

Amount of Mortgagesamp Liens

GrossRental Income

Mortgage Payments

InsuranceMaintenance Taxes amp Misc

NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s)Creditor Name Account Number

VI ASSETS AND LIABILITIES (contd)

Alternate Name

Do you intend to occupy the property as your primaryresidence If Yes complete question m below

Acknowledgement Each of the undersigned hereby acknowledges that any owner of the Loan its servicers successors and assigns may verify or reverify any information contained in this applicationor 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

IX ACKNOWLEDGEMENT AND AGREEMENT

Borrowers Signature Date Co-Borrowers Signature Date

X X

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lenders compliance with equal credit opportunity fair housingand 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 thisinformation or on whether you choose to furnish it If you furnish the information please provide both ethnicity and race For race you may check more than one designation If you do not furnishethnicity 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 notwish 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 applicablestate law for the particular type of loan applied for)

CO-BORROWERBORROWER

White

Black orAfrican American

Female

Asian

Male

Race

Sex

I do not wish to furnish this information

Not Hispanic or Latino

White



Hispanic or Latino

VIII DECLARATIONSVII DETAILS OF TRANSACTIONPurchase price

Alterations improvements repairs

a

Land (if acquired separately)

Refinance (incl debts to be paid off)

Estimated prepaid items

Estimated closing costs

PMI MIP Funding Fee

Discount (if Borrower will pay)

Cash fromto Borrower

(subtract j k l amp o from i)

p

Subordinate financing

Loan amount (add m amp n)

Total costs (add items a through h)

b

c

d

e

f

g

h

ij

k

l

$

Borrowers closing costs paid by Seller

Are there any outstanding judgments against you

Have you been declared bankrupt within the past 7 years

m

n

o

PMI MIP Funding Fee financed

Other Credits (explain)

Loan amount

(exclude PMI MIP Funding Fee financed)

Have you had property foreclosed upon or given title or deed inlieu thereof in the last 7 years

Are you a party to a lawsuit

provide details including date name and address of LenderFHA or VA case number if any and reasons for the action)

Have you directly or indirectly been obligated on any loan which resulted in foreclosuretransfer of title in lieu of foreclosure or judgment (This would include such loans as homemortgage loans SBA loans home improvement loans educational loans manufactured(mobile) home loans any mortgage financial obligation bond or loan guarantee If Yes

Are you obligated to pay alimony child support or separatemaintenanceIs any part of the down payment borrowed

Are you a co-maker or endorser on a note

a

b

c

d

e

f

g

h

i

Are you a permanent resident alien

j

lk

If you answer Yes to any questions a through i pleaseuse continuation sheet for explanation

Borrower Co-Borrower

Yes No NoYes

Are you presently delinquent or in default on any Federal debt orany other loan mortgage financial obligation bond or loanguarantee If Yes give details as described in the precedingquestion

Are you a US citizen

m Have you had an ownership interest in a property in the lastthree years(1) What type of property did you own - - principal residence

(PR) second home (SH) or investment property (IP)How did you hold title to the home - - solely by yourself (S)jointly with your spouse (SP) or jointly with another person(O)

(2)

Female

Native Hawaiian orOther Pacific Islander

Asian

Male

Not Hispanic or Latino EthnicityAmerican Indian orAlaska Native

Hispanic or Latino


American Indian orAlaska Native

Sex

EthnicityRace

Each of the undersigned specifically represents to Lender and to Lenders actual or potential agents brokers processors attorneys insurers servicers successors and assigns and agrees andacknowledges that (1) 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 thisinformation 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 onthis application andor in criminal penalties including but not limited to fine or imprisonment or both under the provisions of Title 18 United States Code Sec 1001 et seq (2) the loan requestedpursuant 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 purposeor use (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan (5) the property will be occupied as indicated in this application (6) the Lender itsservicers successors or assigns may retain the original andor an electronic record of this application whether or not the Loan is approved (7) the Lender and its agents brokers insurers servicerssuccessors and assigns may continuously rely on the information contained in the application and I am obligated to amend andor supplement the information provided in this application if any of thematerial 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 orassigns 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 andor 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 servicerssuccessors 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 (11) my transmission of this application asan electronic record containing my electronic signature as those terms are defined in applicable federal andor state laws (excluding audio and video recordings) or my facsimile transmission of thisapplication containing a facsimile of my signature shall be as effective enforceable and valid as if a paper version of this application were delivered containing my original written signature

Freddie Mac Form 65 705Fannie Mae Form 1003 705-21N (0507)03 Page 3 of 4

Name and Address of Interviewers Employer

Face-to-face interview

Mail

Internet

To be Completed by InterviewerThis application was taken by

Interviewers Name (print or type)

Interviewers Signature

Interviewers Phone Number (incl area code)

Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X

Fees CollectedLender 39500 X X

X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X

Ashley L Portocarrero JPMorgan Chase Bank NA

150 W University Floor 213

Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number

Use this continuation sheet ifyou need more space tocomplete the Residential LoanApplication Mark B forBorrower or C for Co-Borrower

IWe fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above factsas applicable under the provisions of Title 18 United States Code Section 1001 et seq


XX


-21N (0507)03 Page 4 of 4

CONTINUATION SHEETRESIDENTIAL LOAN APPLICATION

RICK MCCOY

BRENDA MCCOY 11578700

Liabilities

------------------------------------------------------------------------------------------------------------------

Company Monthly Amt Mos Balance Asterick Account Number

------------------------------------------------------------------------------------------------------------------

SUNCOAST SCHOOLS MC VI 14000 0 183900 460819000047

SUNCOAST SCHOOLS FCU 0 (35200) 6431

SUNCOASTCU 0 (35200) DATA NOT PROVIDED

------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------

Addr Type Market Value Liens Gross Rent Mtg Pymt InsMaint Net Rent

------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03

VERIFICATION OF INFORMATION PROVIDED ON THEAPPLICATION

If your loan request is approved for a reduced documentation program that does notrequire upfront verification of income andor assets you should be aware that as withall Lender loans any information that is provided on the application is subject toverification at a later date

Verification of Application Information Page 1 of 1C6051 (805) (replaces 902)

LENDER

11578700

05292007


GOOD FAITH ESTIMATE OF SETTLEMENT CHARGES(replaces 795)

Good Faith Estimate of Settlement Charges Date

Loan

The information listed below reflects estimates of the charges which you are likely to incur at the settlement of your loanThese charges are only ESTIMATES actual charges may be more or less Your transaction also may not involve a fee for everyitem listed Please refer to the HUD Special Information Booklet for a full explanation

The numbers listed beside the estimates generally correspond to the numbered lines contained in the HUD-1 or HUD-1ASettlement Statement that you will be receiving at settlement The HUD-1 or HUD-1A Settlement Statement will show you theactual cost for all items paid at settlement

Description of Settlement Charges

Estimated Amounts Paid Outside ofDescription Buyer Seller Closing From Subsidy

C- 001L (902) Page 1 of 2

05292007

11578700JPMorgan Chase Bank NA

0802 Loan Discount Fee 0875 of Loan $131250 $000 $000

0808A Tax Related Service Fee $8400 $000 $000

0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000

0901 Interim Interest from 07152007 to 08012007 $43656 $000 $000

0902 Mortgage Insurance Premium $000 $000 $000

0903 Haz Ins Prem 1 Yr POC - $1200 $000 $000 $000

1001 Hazard Insurance 2 months $100MO $20000 $000 $000

1004 County Property Taxes 5 months $19167MO $95835 $000 $000

1007 Flood Ins Reserves 2 months $0MO $000 $000 $000

1101 Settlement Or Closing Fee $32500 $000 $000

1102 Abstract Title Search Fee $18000 $000 $000

1103 Title Examination Fee $12500 $000 $000

1109 Title Insurance Fee $82500 $000 $000

1112 Title Policy Endorsements $10000 $000 $000

1201 Mortgage Recording Fee $16174 $000 $000

1202 City County Deed Tax Stamp Fee $52500 $000 $000

1204 Intangible Tax $30000 $000 $000

GOOD FAITH ESTIMATE OF SETTLEMENT CHARGES

(replaces 795)

Applicant

These estimates are provided pursuant to the Real Estate Settlement Procedures Act (RESPA) of 1974 as amended Additionalinformation can be found in the HUD Special Information Booklet which is provided by your mortgage broker or lender IWeacknowledge that Iwe have received a copy of the HUD Special Information Booklet and the Consumer Handbook onAdjustable Rate Mortgages and the ARM Program Disclosures (for adjustable rate mortgages) IWe fully understand theamounts indicated above are ESTIMATES ONLY and may vary from the actual settlement charges at closing Further Iwefully understand that the loan origination fee discount points interest rate loan term and monthly payment indicated above arebased on myour application and may be subject to change

Monthly Payment Analysis

Principal amp Interest$

Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address

Date Prepared and Sent

Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date

Date of this estimate BY

Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$

Funds to Close Summary

ADD Totl Repair Cost

ADD Closing Costs

+

+

+ADD Prepaids

Total Acquisition Cost

LESS Loan Amount -

-

-

-

-

-

LESS Lender Pd Costs

LESS Seller Pd Costs

LESS Pd at Applic

LESS Earnest Money

LESS SellerOthr Credit

ESTIMATEDCASH TO CLOSE

$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2

SEE ATTACHED PROVIDER OF SERVICES DISCLOSURE

If you applied for a loan with Initial Interest Only payments the amount indicated is an Interest Only payment

0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007

11708 FYFE AVE Ashley L Portocarrero

TAMPA FL 33617 866-330-1880 Ext18590

05292007

109639 14309600 Remaining 14309600Remaining Balance

19167 000 15000000

10000 436824 15000000

000 159491 000

000 14905915 Conventional

000 15000000 6250

000 240

000138806

39500

000

000

-133585

Lender uses outside vendors to perform certain settlement services that may be required in connection with your loan transactionYou may be required to pay the cost of these services Please refer to your Good Faith Estimate of Settlement Costs whichprovides an estimate of the specific charges you will be required to pay in connection with your loan including charges forservices provided by outside vendors

Lender uses the following vendors to provide the settlement services indicated Your loan may not require the use of all of theseservices However where you are required to use these services and pay the cost an estimate of the vendors charge is providedon your Good Faith Estimate of Settlement Costs The vendors name and actual cost for the service provided will be indicatedon the HUD-1 Settlement Statement you receive at closing

Flood Certification First American Flood Data Services11902 Burnet RoadAustin TX 78758-2902800-447-1772 ext 4155

Fund Management Granite Loan Management LLC 5251 DTC Parkway Suite 625Greenwood Colorado 80111888-456-4588

Tax Service Contract Transamerica Real Estate Tax Service1201 Elm Street Suite 400 Dallas TX 75270-2111214-571-1506

Lender has a business relationship with all of its outside vendors Within the last 12 months we have repeatedly used orrequired borrowers to use the services of these vendors For those vendors marked with an asterisk () an affiliatedbusiness relationship exists between Lender and the vendor

Special Notice for Loans Brokered to Another Lender The above information does not apply to loans that Lender isbrokering to another lender If your loan is being brokered to another lender your lender may use different vendors toprovide required settlement services Further information will be provided to you by your lender

PROVIDER OF SETTLEMENT SERVICES DISCLOSURE

Appraisal Appraisal Review and Property Inspection ServicesClosing Attorney and Attorney Review ServicesCounseling ServicesCredit Reporting ServicesMortgage InsuranceMessenger Courier and Delivery Services

C-002LX (1006) (replaces 906)

Where the following settlement services are required the vendor will be selected from a lender-approved list If you are requiredto pay for these services an estimate of the vendors charge is provided on your Good Faith Estimate of Settlement Costs Thevendors name and actual cost for the service provided will be indicated on the HUD-1 Settlement Statement you receive atclosing

Loan Date

OR

Quantrix LLC200 Old Wilson Bridge RoadColumbus Ohio 43219 800-848-9136

First American Real Estate Tax Service1 First American Way Westlake TX 762621-800-229-8426

OR

Document Preparation First American Nationwide Documents4500 Cherry Creek Dr South 11th FloorDenver Colorado 80246800-892-6678

Page 1 of 1

Property Valuation C amp S Valuation Technology Inc10360 Old Placerville Road Suite 100Sacramento California 95827916-635-8330

4506 Tax Return Verification Services

Provider of Services Disclosure

LENDER

OR Quantrix LLC200 Old Wilson Bridge RoadColumbus Ohio 43219 800-848-9136

11578700

05292007


TIL COVER LETTERC-6000 (802) (Replaces 1295)

ANSWERS TOTHE MOST FREQUENTLY ASKEDTRUTH-IN-LENDING QUESTIONS

ANNUAL PERCENTAGE RATEThe cost of your credit as a yearly rate

A

FINANCE CHARGEThe dollar amount thecredit will cost you

$ B

Amount FinancedThe amount of creditprovided to you oron your behalf

$ C

Total of PaymentsThe amount you will havepaid after you have made allpayments as scheduled

$ D

Q What is a Truth-In-Lending Disclosure and why do I receive itA The Disclosure is designed to give you information about the costs of your loan so that you may compare these costs with

those of other loan programs or lenders

Q What is the ANNUAL PERCENTAGE RATE (Box A Above)A The Annual Percentage Rate (APR) is the cost of your credit expressed as an annual rate Because you may be paying loan

discount points and other prepaid finance charges at closing the APR disclosed is often higher than the interest rate onyour loan This APR can be compared to the APR on other loan programs to give you a consistent means of comparingrates and programs

Q Why is the ANNUAL PERCENTAGE RATE different from the interest rate for which I appliedA The APR is computed from the Amount Financed and based on what your proposed payments will be on the actual loan

amount credited to you at settlement For a $50000 fully amortizing loan with $2000 Prepaid Finance Charges a 30 yearterm and a fixed interest rate of 12 the payments would be $51431 (principal and interest) Since the APR is based onthe Amount Financed ($48000) while the payment is based on the actual loan amount given ($50000) the APR(12553) is higher than the interest rate

Q What is the FINANCE CHARGE (Box B Above)A The Finance Charge is the cost of credit expressed in dollars It is the total amount of interest calculated at the interest rate

over the life of the loan plus Prepaid Finance Charges and the total amount of any required mortgage insurance chargedover the life of the loan

Q What is the AMOUNT FINANCED (Box C Above)A The Amount Financed is the loan amount applied for minus the Prepaid Finance Charges Prepaid Finance Charges include

items paid at or before settlement such as loan origination commitment or discount fees (points) adjusted interest andinitial mortgage insurance premium The Amount Financed is lower than the amount you applied for because it represents aNET figure If you applied for $50000 and the Prepaid Finance Charges total $2000 the Amount Financed would be$48000

Q Does this mean I will get a smaller loan than I applied forA No If your loan is approved in the amount requested you will receive credit toward your home purchase or refinance for

the full amount for which you applied In the example above you would therefore receive a $50000 not a $48000 loan

Q What is the TOTAL OF PAYMENTS (Box D Above)A This figure represents the total amount you will have paid if you make the minimum required payments for the entire term of

the loan This includes principal interest and mortgage insurance premiums as applicable but does not include paymentsfor real estate taxes or property insurance premiums

11578700

05292007

TRUTH IN LENDING DISCLOSURE STATEMENT(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)

LENDER Preliminary Final

DATEBORROWERS

LOAN NO

Type of Loan

ADDRESSCITY STATE ZIP

PROPERTY

ANNUAL PERCENTAGERATE

The cost of your credit as ayearly rate

FINANCE CHARGEThe dollar amount the credit willcost you

$

Amount Financed

The amount of credit provided toyou or on your behalf

$

Total of Payments

The amount you will have paidafter you have made all paymentsas scheduled

$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE

BEGINNINGNUMBER OFPAYMENTS

AMOUNT OFPAYMENTS

MONTHLY PAYMENTSARE DUE

BEGINNING

DEMAND FEATURE This loan does not have a Demand Feature This loan has a Demand Feature as follows

VARIABLE RATE FEATURE

This loan has a Variable Rate Feature Variable Rate Disclosures have been provided to you earlier

SECURITY You are giving a security interest in certain real property located at

Assumption Someone buying this property cannot assume the remaining balance due under original mortgage terms

may assume subject to lenders conditions the remaining balance due under original terms

PROPERTY INSURANCE You may obtain hazard and flood insurance from any company you choose that is acceptable to the lender

LATE CHARGE If your payment is more than days late you will be charged a late charge of of the overduepayment

PREPAYMENT If you pay off your loan early you

may will not have to pay a penaltymay will not be entitled to a refund of part of the finance charge

See your contract documents for any additional information regarding non-payment default required repayment in full before scheduled date and prepayment

refunds and penalties

IWe hereby acknowledge reading and receiving a complete copy of this disclosure

DATE DATE

DATE DATE

TRUTH-IN-LENDING C-6001 (903) (replaces 702)

e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e

JPMorgan Chase Bank NA X

RICK MCCOY BRENDA MCCOY05292007

11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X


Conventional13Chase Agency Generic 20 YrFixed

SERVICING TRANSFER JPMCBNAC-7027 (105) (replaces1001) Page 1 of 1

Lender Loan Date

TRANSFER OF SERVICING DISCLOSURE STATEMENT

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS THE RIGHT TO COLLECT YOUR MORTGAGE LOANPAYMENTS MAY BE TRANSFERRED FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS IF YOUR LOAN IS MADE SAVE THIS STATEMENT WITH YOUR LOAN DOCUMENTS SIGN THE ACKNOWLEDGEMENT AT THE END OF THIS STATEMENT ONLY IF YOU UNDERSTAND ITS CONTENTS

Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 USC 2601 et seq)you have certain rights under that Federal law This statement tells you about those rights It also tells you what the chances are that theservicing for this loan may be transferred to a different loan servicer Servicing refers to collecting your principal interest and escrowaccount payments if any If your loan servicer changes there are certain procedures that must be followed This statement generallyexplains those procedures

Transfer Practices and RequirementsIf the servicing of your loan is assigned sold or transferred to a new servicer you must be given written notice of that transfer The present loan servicer must send you notice in writing of the assignment sale or transfer of the servicing not less than 15 days before theeffective date of the transfer The new loan servicer must also send you notice within 15 days after the effective date of the transfer Thepresent servicer and the new servicer may combine this information in one notice so long as the notice is sent to you 15 days before theeffective date of transfer The 15 day period is not applicable if a notice of prospective transfer is provided to you at settlement The lawallows a delay in the time (not more than 30 days after a transfer) for servicers to notify you under certain limited circumstances when your servicer is changed abruptly This exception applies only if your servicer is fired for cause is in bankruptcy proceedings or isinvolved in a conservatorshipor receivership initiatedby a Federal agency

Notices must contain certain information They must contain the effective date of the transfer of the servicing of your loan to the newservicer and the name address and toll-free or collect call telephone number of the new servicer and toll-free or collect call telephonenumbers of a person or department for both your present servicer and your new servicer to answer your questions about the transfer of servicing During the 60-day period following the effective date of the transfer of the loan servicing a loan payment received by your oldservicer before its due date may not be treated by the new loan servicer as late and a late fee may not be imposed on you

Complaint ResolutionSection 6 of RESPA (12 USC 2605) gives you certain consumer rights whether or not your loan servicing is transferred If you senda qualified written request to your loan servicer your servicer must provide you with a written acknowledgement within 20 businessdays of receipt of your request A qualified written request is a written correspondenceother than notice on a payment coupon or otherpayment medium supplied by the servicer which includes your name and account number and the information regarding your requestNot later than 60 business days after receiving your request your servicer must make any appropriatecorrections to your account or mustprovide you with a written clarification regarding an y dispute During this 60-business day period your servicer may not provideinformation to a consumer reporting agency concerning any overdue payment related to such period or qualified written request

A Business Day is any day on which the offices of the business entity are open to the public for carrying on substantiallyall of its businessfunctions

Damages and CostsSection 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are shown to have violated the requirements of that Section

Servicing Transfer Estimates by Original Lender

1 The following is the best estimate of what will happen to the servicing of your mortgage loan

We may assign sell or transfer the servicing of your loan while the loan is outstanding We are able to service your loan but we havenot decided whether to service your loan

2 For all the loans that we make in the 12-month period after your loan is funded we estimate that the percentage of loans for which wewill transfer servicing is between

X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100

This estimate includes assignments sales or transfers to affiliates or subsidiaries This is only our best estimate and it is not binding Business conditions or other circumstances may affect our future transferring decisions

3 We have previously assigned sold or transferred the servicing of federally-related mortgage loans

Acknowledgement of Mortgage Loan ApplicantIwe have read this disclosure form and understand its contents as evidenced by myour signature(s) below Iwe understand that this acknowledgement is a required part of the mortgage loan application

Date Date

DateDate

Date Date

DateDate

JPMorgan Chase Bank NA 11578700

05292007

BRENDA MCCOYRICK MCCOY

AFFILIATED BUSINESS ARRANGEMENT OF SETTLEMENT SERVICES DISCLOSURE STATEMENT

Date

To

Property

From JPMorgan Chase Bank NAChase Bank USA NA (CUSA)

Depending upon the location of your property and the type of credit you requested you have applied for a loan with JPMorgan ChaseBank NA or CUSA JPMorgan Chase Bank NA or CUSA as appropriate is sometimes referred to below as Chase

FLOOD CERTIFICATION SERVICES

This is to give you notice that JPMorgan Chase Bank NA has a business relationship with Quantrix LLC (Quantrix) a providerof mortgage related services Quantrix is a joint venture owned 501 by The First American Corporation (TFAC) and 499 by asubsidiary of JPMorgan Chase Bank NA TFAC is not an affiliate of JPMorgan Chase Bank NA or CUSA but CUSA is anaffiliate of JPMorgan Chase Bank NA Because of these relationships this referral may provide JPMorgan Chase Bank NA afinancial or other benefit

You are NOT required to use Quantrix as a condition for settlement of your loan on the subject property however Quantrix will beselected by Chase to provide this service unless you notify us by checking the box below that you do not wish to use QuantrixIf you decide not to use Quantrix Chase will change the service provider to First American Flood Data Services Inc(FDSI) JPMorgan Chase Bank NA and CUSA do not have an affiliated business relationship with FDSI

To assist you in making a decision we are providing you with the charges for both Quantrix and FDSI

Service Provider Charges for Flood Zone Certification Services

Quantrix $1400FDSI $1400

IWE DO NOT WISH TO USE QUANTRIX TO PROVIDE FLOOD ZONE CERTIFICATION SERVICES ANDUNDERSTAND THAT BY CHECKING THIS BOX CHASE WILL CHANGE THE SERVICE PROVIDER TO FDSI

APPRAISAL SERVICES

This is to give you notice that JPMorgan Chase Bank NA has a business relationship with Quantrix LLC (Quantrix) a providerof mortgage related services Quantrix is a joint venture owned 501 by The First American Corporation (TFAC) and 499 bya subsidiary of JPMorgan Chase Bank NA Because of this relationship this referral may provide JPMorgan Chase Bank NA afinancial or other benefit

Service Provider Charges for Appraisal Services

Quantrix Valuation $000-$61000

ACKNOWLEDGEMENT

Iwe have read this disclosure form and understand that JPMorgan Chase Bank NA or Chase Bank USA NA is referring meus topurchase the above-described settlement service and may receive a financial or other benefit as the result of this referral

Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature

Settlement Services ABAC6681 (906) (replaces C6669 R 506) (for use by Retail amp HLD)

Set forth below is the estimated charge or range of charges for the settlement services of an attorney credit reporting agency or realestate appraiser that we as your lender will require to use as a condition of your loan on this property to represent our interest in thetransaction

052907

RICK MCCOYBRENDA MCCOY



Attached FilesThe icons on this page represent the attached filesDouble-click an icon to open or view them from the Attachments Tab

Buying Your Home Settlement Costs and Helpful Information

Address

D HUD-1 Settlement Statement

Lender

Wolters Kluwer Financial ServicesPage 1 of 18VMP -18 (0607)

Buying amp Financing A Home

Buying Your Home SettlementCosts and Helpful Information

Introduction

TABLE OF CONTENTS

J Your Right to File Complaints

Your Settlement Costs

697HUD-398-H(4)

B Selecting an Attorney

C Terms of the Agreement of Sale

D Shopping For a Loan

E Selecting a Settlement Agent

F Securing Title Services

G RESPA Disclosures

H Processing Your Loan Application

I RESPA Protection Against Illegal Referral Fees

A Specific Settlement Costs

B Calculating the Amount You Need At Settlement

C Adjustments To Costs Shared By Buyer and Seller

A Role of the Real Estate Broker

AppendixIV

I

II

III

Before you sign an agreement of sale you might consider asking an attorney to look it over and tell youif it protects your interests If you have already signed your agreement of sale you might still consider havingan attorney review it An attorney can also help you prepare for the settlement In some areas attorneys act assettlementclosing agents or as escrow agents to handle the settlement An attorney who does this will notsolely represent your interests since as settlementclosing agent he or she may also be representing theseller the lender and others as well

Page 2 of 18VMP -18 (0607)

Please note in many areas of the country attorneys are not normally involved in the home sale Forexample escrow agents or escrow companies in western states handle the paperwork to transfer title without anyattorney involvement

If choosing an attorney you should shop around and ask what services will be performed for what feeFind out whether the attorney is experienced in representing home buyers You may wish to ask the attorneyquestions such as

At each of these steps you often have the opportunity to negotiate the terms conditions and costs to youradvantage This booklet will highlight such opportunities You will also need to shop carefully to get the bestvalue for your money There is no standard home buying process used in all localities Your actual experiencemay vary from those described here This booklet takes you through the general steps to buying a home toeliminate as much as possible the mysteries of the settlement process


Congratulations You have decided to buy a new home This booklet will help you take this big financialstep by describing the home buying home financing and settlement process Lenders and mortgage brokers arerequired by federal law the Real Estate Settlement Procedures Act (RESPA) to give you this booklet Youshould receive it when applying for a loan or within three business days afterwards Real estate brokersfrequently hand out this booklet as well

Sometimes the real estate broker will offer to help you obtain a mortgage loan He or she may alsorecommend that you deal with a particular lender title company attorney or settlementclosing agent You arenot required to follow the real estate brokers recommendation You should compare the costs and servicesoffered by other providers with those recommended by the real estate broker

I INTRODUCTION


You probably started the home buying process in one of two ways you saw a home you were interestedin buying or you consulted a lender to figure out how much money you could borrow before you found a home(sometimes called pre-qualifying) The next step is to sign an agreement of sale with the seller followed byapplying for a loan to purchase your new home The final step is called settlement or closing where thelegal title to the property is transferred to you

Frequently the first person you consult about buying a home is a real estate agent or broker Althoughreal estate brokers provide helpful advice on many aspects of home buying they may serve the interests of theseller and not your interests as the buyer The most common practice is for the seller to hire the broker tofind someone who will be willing to buy the home on terms and conditions that are acceptable to the sellerTherefore the real estate broker you are dealing with may also represent the seller However you can hire yourown real estate broker known as a buyers broker to represent your interests Also in some states agents andbrokers are allowed to represent both buyer and seller

Will the attorney be paid by anyone other than you in the transaction

II BUYING AND FINANCING A HOME

Even if the real estate broker represents the seller state real estate licensing laws usually require that thebroker treat you fairly If you have any questions concerning the behavior of an agent or broker you shouldcontact your States Real Estate Commission or licensing department

What is the charge for negotiating the agreement of sale reviewing documents and giving advice concerningthose documents for being present at the settlement or for reviewing instructions to the escrow agent orcompany Will the attorney represent anyone other than you in the transaction

Page 3 of 18VMP -18 (0607)

Lead-Based Paint Hazards in Housing Built Before 1978 If you buy a home built before 1978you have certain rights concerning lead-based paint and lead poisoning hazards The seller or sales agent mustgive you the EPA pamphlet Protect Your Family From Lead in Your Home or other EPA-approved leadhazard information The seller or sales agent must tell you what the seller actually knows about the homeslead-based paint or lead-based paint hazards and give you any relevant records or reports

If you receive this Booklet before you sign an agreement of sale here are some important points toconsider The real estate broker probably will give you a preprinted form of agreement of sale You may makechanges or additions to the form agreement but the seller must agree to every change you make You shouldalso agree with the seller on when you will move in and what appliances and personal property will be sold withthe home

Most buyers prefer to pay for these inspections so that the inspector is working for them not the sellerYou may wish to include in your agreement of sale the right to cancel if you are not satisfied with theinspection results In that case you may want to re-negotiate for a lower sale price or require the seller to makerepairs


You have at least ten (10) days to do an inspection or risk assessment for lead-based paint or lead-basedpaint hazards However to have the right to cancel the sale based on the results of an inspection or riskassessment you will need to negotiate this condition with the seller

Mortgage Clause The agreement of sale should provide that your deposit will be refunded if the salehas to be canceled because you are unable to get a mortgage loan For example your agreement of sale couldallow the purchase to be canceled if you cannot obtain mortgage financing at an interest rate at or below a rateyou specify in the agreement

Finally the seller must attach a disclosure form to the agreement of sale which will include a LeadWarning Statement You the seller and the sales agent will sign an acknowledgment that these notificationrequirements have been satisfied

Pests Your lender will require a certificate from a qualified inspector stating that the home is free fromtermites and other pests and pest damage You may want to reserve the right to cancel the agreement or seekimmediate treatment and repairs by the seller if pest damage is found

Other Environmental Concerns Your city or state may have laws requiring buyers or sellers to testfor environmental hazards such as leaking underground oil tanks the presence of radon or asbestos lead waterpipes and other such hazards and to take the steps to clean-up any such hazards You may negotiate who willpay for the costs of any required testing andor clean-up

Home Inspection It is a good idea to have the home inspected An inspection should determine thecondition of the plumbing heating cooling and electrical systems The structure should also be examined toassure it is sound and to determine the condition of the roof siding windows and doors The lot should begraded away from the house so that water does not drain toward the house and into the basement

Title Title refers to the legal ownership of your new home The seller should provide title free andclear of all claims by others against your new home Claims by others against your new home are sometimesknown as liens or encumbrances You may negotiate who will pay for the title search which will tell youwhether the title is clear

Sales Price For most home purchasers the sales price is the most important term Recognize that othernon-monetary terms of the agreement are also important

Sharing of Expenses You need to agree with the seller about how expenses related to the propertysuch as taxes water and sewer charges condominium fees and utility bills are to be divided on the date ofsettlement Unless you agree otherwise you should only be responsible for the portion of these expenses owedafter the date of sale

Page 4 of 18VMP -18 (0607)

Settlement Costs You can negotiate which settlement costs you will pay and which will be paid bythe seller


Settlement AgentEscrow Agent or Company Depending on local practices you may have anoption to select the settlement agent or escrow agent or company For states where an escrow agent or companywill handle the settlement the buyer seller and lender will provide instructions

Your choice of lender and type of loan will influence not only your settlement costs but also themonthly cost of your mortgage loan There are many types of lenders and types of loans you can choose Youmay be familiar with banks savings associations mortgage companies and credit unions many of whichprovide home mortgage loans You may find a listing of some mortgage lenders in the yellow pages or a listingof rates in your local newspaper

Mortgage Brokers Some companies known as mortgage brokers offer to find you a mortgagelender willing to make you a loan A mortgage broker may operate as an independent business and may notbe operating as your agent or representative Your mortgage broker may be paid by the lender you as theborrower or both You may wish to ask about the fees that the mortgage broker will receive for its services

Government Programs You may be eligible for a loan insured through the Federal HousingAdministration (FHA) or guaranteed by the Department of Veterans Affairs or similar programs operated bycities or states These programs usually require a smaller downpayment Ask lenders about these programs Youcan get more information about these programs from the agencies that run them (See Appendix to this Booklet)

CLOs Computer loan origination systems or CLOs are computer terminals sometimes available inreal estate offices or other locations to help you sort through the various types of loans offered by differentlenders The CLO operator may charge a fee for the services the CLO offers This fee may be paid by you orby the lender that you select

Types of Loans Loans can have a fixed interest rate or a variable interest rate Fixed rate loans havethe same principal and interest payments during the loan term Variable rate loans can have any one of a numberof indexes and margins which determine how and when the rate and payment amount change If you applyfor a variable rate loan also known as an adjustable rate mortgage (ARM) a disclosure and booklet requiredby the Truth in Lending Act will further describe the ARM Most loans can be repaid over a term of 30 years orless Most loans have equal monthly payments The amounts can change from time to time on an ARMdepending on changes in the interest rate Some loans have short terms and a large final payment called aballoon You should shop for the type of home mortgage loan terms that best suit your needs

Interest Rate Points amp Other Fees Often the price of a home mortgage loan is stated in terms ofan interest rate points and other fees A point is a fee that equals 1 percent of the loan amount Points areusually paid to the lender mortgage broker or both at the settlement or upon the completion of the escrowOften you can pay fewer points in exchange for a higher interest rate or more points for a lower rate Ask yourlender or mortgage broker about points and other fees

A document called the Truth in Lending Disclosure Statement will show you the Annual PercentageRate (APR) and other payment information for the loan you have applied for The APR takes into accountnot only the interest rate but also the points mortgage broker fees and certain other fees that you have to payAsk for the APR before you apply to help you shop for the loan that is best for you Also ask if your loan willhave a charge or a fee for paying all or part of the loan before payment is due (prepayment penalty) Youmay be able to negotiate the terms of the prepayment penalty

Lender-Required Settlement Costs Your lender may require you to obtain certain settlementservices such as a new survey mortgage insurance or title insurance It may also order and charge you forother settlement-related services such as the appraisal or credit report A lender may also charge other feessuch as fees for loan processing document preparation underwriting flood certification or an application feeYou may wish to ask for an estimate of fees and settlement costs before choosing a lender Some lenders offerno cost or no point loans but normally cover these fees or costs by charging a higher interest rate

Page 5 of 18VMP -18 (0607)

Another effective shopping technique is to compare identical loans with different up-front points andother fees For example if you are offered two 30-year fixed rate loans for $100000 and at 8 the monthlypayments are the same but the up-front costs are different

Loan B - 214 points ($2250) and lender required costs of $1200 = $3450 in costs

Mortgage Insurance Private mortgage insurance and government mortgage insurance protect thelender against default and enable the lender to make a loan which the lender considers a higher risk Lendersoften require mortgage insurance for loans where the downpayment is less than 20 of the sales price You maybe billed monthly annually by an initial lump sum or some combination of these practices for your mortgageinsurance premium Ask your lender if mortgage insurance is required and how much it will cost Mortgageinsurance should not be confused with mortgage life credit life or disability insurance which are designed topay off a mortgage in the event of the borrowers death or disability

A comparison of the up-front costs shows Loan B requires $350 less in up-front cash than Loan AHowever your individual situation (how long you plan to stay in your house) and your tax situation (points canusually be deducted for the tax year that you purchase a house) may affect your choice of loans

Comparing Loan Costs Comparing APRs may be an effective way to shop for a loan However youmust compare similar loan products for the same loan amount For example compare two 30-year fixed rateloans for $100000 Loan A with an APR of 835 is less costly than Loan B with an APR of 865 over theloan term However before you decide on a loan you should consider the up-front cash you will be required topay for each of the two loans as well

Lock-ins Locking in your rate or points at the time of application or during the processing of yourloan will keep the rate andor points from changing until settlement or closing of the escrow process Ask yourlender if there is a fee to lock-in the rate and whether the fee reduces the amount you have to pay for pointsFind out how long the lock-in is good what happens if it expires and whether the lock-in fee is refundable ifyour application is rejected

Loan A - 2 points ($2000) and lender required costs of $1800 = $3800 in costs

Tax and Insurance Payments Your monthly mortgage payment will be used to repay the money youborrowed plus interest Part of your monthly payment may be deposited into an escrow account (also knownas a reserve or impound account) so your lender or servicer can pay your real estate taxes propertyinsurance mortgage insurance andor flood insurance Ask your lender or mortgage broker if you will berequired to set up an escrow or impound account for taxes and insurance payments

Transfer of Your Loan While you may start the loan process with a lender or mortgage broker youcould find that after settlement another company may be collecting the payments on your loan Collecting loanpayments is often known as servicing the loan Your lender or broker will disclose whether it expects toservice your loan or to transfer the servicing to someone else

You may also be offered lender paid mortgage insurance (LPMI) Under LPMI plans the lenderpurchases the mortgage insurance and pays the premiums to the insurer The lender will increase your interestrate to pay for the premiums - but LPMI may reduce your settlement costs You cannot cancel LPMI orgovernment mortgage insurance during the life of your loan However it may be possible to cancel privatemortgage insurance at some point such as when your loan balance is reduced to a certain amount Before youcommit to paying for mortgage insurance find out the specific requirements for cancellation

Flood Hazard Areas Most lenders will not lend you money to buy a house in a flood hazard areaunless you pay for flood insurance Some government loan programs will not allow you to purchase a home thatis located in a flood hazard area Your lender may charge you a fee to check for flood hazards You should benotified if flood insurance is required If a change in flood insurance maps brings your home within a floodhazard area after your loan is made your lender or servicer may require you to buy flood insurance at that time

Page 6 of 18VMP -18 (0607)


In some parts of the country (particularly western states) settlement may be conducted by an escrowagent The parties sign an escrow agreement which requires them to provide certain documents and funds to theagent Unlike other types of settlement the parties do not meet around a table to sign documents Ask how yoursettlement will be handled

Settlement practices vary from locality to locality and even within the same county or city Settlementsmay be conducted by lenders title insurance companies escrow companies real estate brokers or attorneys forthe buyer or seller You may save money by shopping for the settlement agent

Title insurance is usually required by the lender to protect the lender against loss resulting from claimsby others against your new home In some states attorneys offer title insurance as part of their services inexamining title and providing a title opinion The attorneys fee may include the title insurance premium Inother states a title insurance company or title agent directly provides the title insurance

Owners Policy A lenders title insurance policy does not protect you Similarly the prior ownerspolicy does not protect you If you want to protect yourself from claims by others against your new home youwill need an owners policy When a claim does occur it can be financially devastating to an owner who isuninsured If you buy an owners policy it is usually much less expensive if you buy it at the same time andwith the same insurer as the lenders policy

Choice of Title Insurer Under RESPA the seller may not require you as a condition of the sale topurchase title insurance from any particular title company Generally your lender will require title insurancefrom a company that is acceptable to it In most cases you can shop for and choose a company that meets thelenders standards

Review Initial Title Report In many areas a few days or weeks before the settlement or closing of theescrow the title insurance company will issue a Commitment to Insure or preliminary report or bindercontaining a summary of any defects in title which have been identified by the title search as well as anyexceptions from the title insurance policys coverage The commitment is usually sent to the lender for use untilthe title insurance policy is issued at or after the settlement You can arrange to have a copy sent to you (or toyour attorney) so that you can object if there are matters affecting the title which you did not agree to acceptwhen you signed the agreement of sale


Coverage amp Cost Savings To save money on title insurance compare rates among various titleinsurance companies Ask what services and limitations on coverage are provided under each policy so that youcan decide whether coverage purchased at a higher rate may be better for your needs However in many statestitle insurance premium rates are established by the state and may not be negotiable If you are buying a homewhich has changed hands within the last several years ask your title company about a reissue rate whichwould be cheaper If you are buying a newly constructed home make certain your title insurance covers claimsby contractors These claims are known as mechanics liens in some parts of the country

Survey Lenders or title insurance companies often require a survey to mark the boundaries of theproperty A survey is a drawing of the property showing the perimeter boundaries and marking the location ofthe house and other improvements You may be able to avoid the cost of a complete survey if you can locate theperson who previously surveyed the property and request an update Check with your lender or title insurancecompany on whether an updated survey is acceptable

G RESPA Disclosures

One of the purposes of RESPA is to help consumers become better shoppers for settlement servicesRESPA requires that borrowers receive disclosures at various times Some disclosures spell out the costsassociated with the settlement outline lender servicing and escrow account practices and describe businessrelationships between settlement service providers

Page 7 of 18VMP -18 (0607)

Good Faith Estimate of Settlement Costs RESPA requires that when you apply for a loan thelender or mortgage broker give you a Good Faith Estimate of settlement service charges you will likely have topay If you do not get this Good Faith Estimate when you apply the lender or mortgage broker must mail ordeliver it to you within the next three business days

Be aware that the amounts listed on the Good Faith Estimate are only estimates Actual costs may varyChanging market conditions can affect prices Remember that the lenders estimate is not a guarantee Keepyour Good Faith Estimate so you can compare it with the final settlement costs and ask the lenderquestions about any changes

Affiliated Business Arrangements Sometimes several businesses that offer settlement services areowned or controlled by a common corporate parent These businesses are known as affiliates When a lenderreal estate broker or other participant in your settlement refers you to an affiliate for a settlement service (suchas when a real estate broker refers you to a mortgage broker affiliate) RESPA requires the referring party togive you an Affiliated Business Arrangement Disclosure This form will remind you that you are generally notrequired with certain exceptions to use the affiliate and are free to shop for other providers

HUD-1 Settlement Statement One business day before the settlement you have the right to inspectthe HUD-1 Settlement Statement This statement itemizes the services provided to you and the fees charged toyou This form is filled out by the settlement agent who will conduct the settlement Be sure you have the nameaddress and telephone number of the settlement agent if you wish to inspect this form The fully completedHUD-1 Settlement Statement generally must be delivered or mailed to you at or before the settlement In caseswhere there is no settlement meeting the escrow agent will mail you the HUD-1 after settlement and you haveno right to inspect it one day before settlement

Escrow Account Operation amp Disclosures Your lender may require you to establish an escrow orimpound account to insure that your taxes and insurance premiums are paid on time If so you will probablyhave to pay an initial amount at the settlement to start the account and an additional amount with each monthsregular payment Your escrow account payments may include a cushion or an extra amount to ensure that thelender has enough money to make the payments when due RESPA limits the amount of the cushion to amaximum of two months of escrow payments

Servicing Disclosure Statement RESPA requires the lender or mortgage broker to tell you inwriting when you apply for a loan or within the next three business days whether it expects that someone elsewill be servicing your loan (collecting your payments)

At the settlement or within the next 45 days the person servicing your loan must give you an initialescrow account statement That form will show all of the payments which are expected to be deposited into theescrow account and all of the disbursements which are expected to be made from the escrow account during theyear ahead Your lender or servicer will review the escrow account annually and send you a disclosure each yearwhich shows the prior years activity and any adjustments necessary in the escrow payments that you will makein the forthcoming year


There are several federal laws which provide you with protection during the processing of your loan TheEqual Credit Opportunity Act (ECOA) the Fair Housing Act and the Fair Credit Reporting Act (FCRA)prohibit discrimination and provide you with the right to certain credit information

No Discrimination ECOA prohibits lenders from discriminating against credit applicants on the basisof race color religion national origin sex marital status age the fact that all or part of the applicantsincome comes from any public assistance program or the fact that the applicant has exercised any right underany federal consumer credit protection law To help government agencies monitor ECOA compliance yourlender or mortgage broker must request certain information regarding your race sex marital status and agewhen taking your loan application

Page 8 of 18VMP -18 (0607)

Statement of Reasons for Denial If your application is denied ECOA requires your lender ormortgage broker to give you a statement of the specific reasons why it denied your application or tell you howyou can obtain such a statement The notice will also tell you which federal agency to contact if you think thelender or mortgage broker has illegally discriminated against you

The Fair Housing Act also prohibits discrimination in residential real estate transactions on the basis ofrace color religion sex handicap familial status or national origin This prohibition applies to both the sale ofa home to you and the decision by a lender to give you a loan to help pay for that home Finally your localityor state may also have a law which prohibits discrimination

If you feel you have been discriminated against by a lender or anyone else in the home buying processyou may file a private legal action against that person or complain to a state local or federal administrativeagency You may want to talk to an attorney or you may want to ask the federal agency that enforces ECOA(the Board of Governors of the Federal Reserve System) or the Fair Housing Act (HUD) about your rightsunder these laws

Prompt ActionNotification of Action Taken Your lender or mortgage broker must act on yourapplication and inform you of the action taken no later than 30 days after it receives your completed applicationYour application will not be considered complete and the 30 day period will not begin until you provide toyour lender or mortgage broker all of the material and information requested

Obtaining Your Credit Report The Fair Credit Reporting Act (FCRA) requires a lender ormortgage broker that denies your loan application to tell you whether it based its decision on informationcontained in your credit report If that information was a reason for the denial the notice will tell you whereyou can get a free copy of the credit report You have the right to dispute the accuracy or completeness of anyinformation in your credit report If you dispute any information the credit reporting agency that prepared thereport must investigate free of charge and notify you of the results of the investigation

Frequently there are differences in the types and amounts of settlement costs charged to theborrower - for example some borrowers are charged greater fees for mortgages depending on their creditworthiness These differences may be justified or they may be unlawfully discriminatory It is important thatyou examine your settlement documents closely especially lines 808-811 on the HUD-1 settlement statementand do not hesitate to compare your settlement costs with those of your friends and neighbors

Obtaining Your Appraisal The lender needs to know if the value of your home is enough to securethe loan To get this information the lender typically hires an appraiser who gives a professional opinion aboutthe value of your home ECOA requires your lender or mortgage broker to tell you that you have a right to get acopy of the appraisal report The notice will also tell you how and when you can ask for a copy


RESPA was enacted because Congress felt that consumers needed protection from unnecessarily highsettlement charges caused by certain abusive practices that have developed in some areas of the country Someof the practices Congress was concerned about are discussed below Most professionals in the settlementbusiness provide good service and do not engage in these practices

Prohibited Fees It is illegal under RESPA for anyone to pay or receive a fee kickback or anything ofvalue because they agree to refer settlement service business to a particular person or organization For exampleyour mortgage lender may not pay your real estate broker $250 for referring you to the lender It is also illegalfor anyone to accept a fee or part of a fee for services if that person has not actually performed settlementservices for the fee For example a lender may not add to a third partys fee such as an appraisal fee and keepthe difference

Permitted Payments RESPA does not prevent title companies mortgage brokers appraisersattorneys settlementclosing agents and others who actually perform a service in connection with the mortgageloan or the settlement from being paid for the reasonable value of their work If a participant in your settlementappears to be taking a fee without having done any work you should advise that person or company of theRESPA referral fee prohibitions You may also speak with your attorney or complain to a regulator listed in theAppendix to this Booklet

Page 9 of 18VMP -18 (0607)

Government Agencies Most settlement service providers are supervised by a governmental agency atthe local state andor federal level some of which are listed in the Appendix to this Booklet Your statesAttorney General may have a consumer affairs division If you feel that a provider of settlement services hasviolated RESPA or any other law you can complain to that agency or association You may also send a copy ofyour complaint to the HUD Office of Consumer amp Regulatory Affairs The address is listed in the Appendix

Penalties It is a crime for someone to pay or receive an illegal referral fee The penalty can be a fineimprisonment or both You may be entitled to recover three times the amount of the charge for any settlementservice by bringing a private lawsuit If you are successful the court may also award you court costs and yourattorneys fees

Private Lawsuits If you have a problem the best place to have it fixed is at its source (the lendersettlement agent broker etc) If that approach fails and you think you have suffered because of a violation ofRESPA ECOA or any other law you may be entitled to sue in a federal or state court This is a matter youshould discuss with your attorney


Servicing Errors If you have a question any time during the life of your loan RESPA requires thecompany collecting your loan payments (your servicer) to respond to you Write to your servicer and call it aqualified written request under Section 6 of RESPA A qualified written request should be a separate letterand not mailed with the payment coupon Describe the problem and include your name and account numberThe servicer must investigate and make appropriate corrections within 60 business days

When shopping for settlement services you can use this section as a guide noting on it the possibleservices required by various lenders and the different fees quoted by service providers Settlement costs canincrease the cost of your loan so compare carefully

This part of the Booklet discusses the settlement services which you may be required to get and pay forand which are itemized in Section L of the HUD-1 Settlement Statement You also will find a sample of theHUD-1 form to help you to understand the settlement transaction

III YOUR SETTLEMENT COSTSA Specific Settlement Costs

800 Items Payable in Connection with Loan These are the fees that lenders charge to processapprove and make the mortgage loan

PAID FROMSELLERSS FUNDS AT

SETTLEMENT

701 $ to

700 SalesBrokers Commission This is the total dollar amount of the real estate brokers salescommission which is usually paid by the seller This commission is typically a percentage of the selling price ofthe home

=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT

L SETTLEMENT CHARGES

Division of Commission (line 700) as follows

704 $

702 $ to703 Commission paid at settlement

700 TOTAL SALESBROKERS COMMISSION based on price $

801 Loan Origination This fee is usually known as a loan origination fee but sometimes is called apoint or points It covers the lenders administrative costs in processing the loan Often expressed as apercentage of the loan the fee will vary among lenders Generally the buyer pays the fee unless otherwisenegotiated

Page 10 of 18VMP -18 (0607)

803 Appraisal Fee This charge pays for an appraisal report made by an appraiser

802 Loan Discount Also often called points or discount points a loan discount is a one-timecharge imposed by the lender or broker to lower the rate at which the lender or broker would otherwise offer theloan to you Each point is equal to one percent of the mortgage amount For example if a lender charges twopoints on a $80000 loan this amounts to a charge of $1600

804 Credit Report Fee This fee covers the cost of a credit report which shows your credit historyThe lender uses the information in a credit report to help decide whether or not to approve your loan and howmuch money to lend you

805 Lenders Inspection Fee This charge covers inspections often of newly constructed housingmade by employees of your lender or by an outside inspector (Pest or other inspections made by companiesother than the lender are discussed in line 1302)

806 Mortgage Insurance Application Fee This fee covers the processing of an application formortgage insurance

807 Assumption Fee This is a fee which is charged when a buyer assumes or takes over the dutyto pay the sellers existing mortgage loan

808 Mortgage Broker Fee Fees paid to mortgage brokers would be listed here A CLO fee wouldalso be listed here

900 Items Required by Lender to Be Paid in Advance You may be required to prepay certainitems at the time of settlement such as accrued interest mortgage insurance premiums and hazard insurancepremiums

901 Interest Lenders usually require borrowers to pay the interest that accrues from the date ofsettlement to the first monthly payment

902 Mortgage Insurance Premium The lender may require you to pay your first years mortgageinsurance premium or a lump sum premium that covers the life of the loan in advance at the settlement

811

801 Loan Origination Fee

to

800 ITEMS PAYABLE IN CONNECTION WITH LOAN

802 Loan Discountto

803 Appraisal Fee804 Credit Report

808 Mortgage Broker Fee809810

805 Lenders Inspection Fee806 Mortgage Insurance Application Fee to807 Assumption Fee

903 Hazard Insurance Premium Hazard insurance protects you and the lender against loss due tofire windstorm and natural hazards Lenders often require the borrower to bring to the settlement a paid-upfirst years policy or to pay for the first years premium at settlement

1110 Owners (Buyers) Title Insurance The cost of the owners policy is shown here

904 Flood Insurance If the lender requires flood insurance it is usually listed here

1000-1008 Escrow Account Deposits These lines identify the payment of taxes andor insuranceand other items that must be made at settlement to set up an escrow account The lender is not allowed to collectmore than a certain amount The individual item deposits may overstate the amount that can be collected Theaggregate adjustment makes the correction in the amount on line 1008 It will be zero or a negative amount

per month

1001 Hazard Insurance1000 RESERVES DEPOSITED WITH LENDER

1002 Mortgage Insurance1003 City property taxes

1008 Aggregate Adjustment

1005 Annual assessments

months to901 Interest from to900 ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE

902 Mortgage Insurance Premium for

years to

day

903 Hazard Insurance Premium for904905

$

years to

1004 County property taxes

10061007

months $months $months $months $months $months $months $

per monthper monthper monthper monthper monthper month

1100 Title Charges Title charges may cover a variety of services performed by title companies andothers Your particular settlement may not include all of the items below or may include others not listed

1101 Settlement or Closing Fee This fee is paid to the settlement agent or escrow holderResponsibility for payment of this fee should be negotiated between the seller and the buyer

1102-1104 Abstract of Title Search Title Examination Title Insurance Binder The chargeson these lines cover the costs of the title search and examination

1107 Attorneys Fees You may be required to pay for legal services provided to the lender such asan examination of the title binder Occasionally the seller will agree in the agreement of sale to pay part of thisfee The cost of your attorney andor the sellers attorney may also appear here If an attorneys involvement isrequired by the lender the fee will appear on this part of the form or on lines 1111 1112 or 1113

1106 Notary Fee This fee is charged for the cost of having a person who is licensed as a notarypublic swear to the fact that the persons named in the documents did in fact sign them

1105 Document Preparation This is a separate fee that some lenders or title companies charge tocover their costs of preparation of final legal papers such as a mortgage deed of trust note or deed

1108 Title Insurance The total cost of owners and lenders title insurance is shown here

1109 Lenders Title Insurance The cost of the lenders policy is shown here

Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$

(includes above items numbersto

to

1109 Lenders coverage $

1113

to

)1108 Title Insurance

1106 Notary fees1107 Attorneys fees

1110 Ownerss coverage11111112

1200 Government Recording and Transfer Charges These fees may be paid by you or by theseller depending upon your agreement of sale with the seller The buyer usually pays the fees for legallyrecording the new deed and mortgage (line 1201) Transfer taxes which in some localities are collectedwhenever property changes hands or a mortgage loan is made can be quite large and are set by state andorlocal governments City county andor state tax stamps may have to be purchased as well (lines 1202 and1203)

(includes above items numbers )

1302 Pest and Other Inspections This fee is to cover inspections for termites or other pestinfestation of your home

1303-1305 Lead-Based Paint Inspections This fee is to cover inspections or evaluations forlead-based paint hazard risk assessments and may be on any blank line in the 1300 series

to1301 Survey1302 Pest inspection1303 13041305

1300 ADDITIONAL SETTLEMENT CHARGESto

1301 Survey The lender may require that a surveyor conduct a property survey This is a protectionto the buyer as well Usually the buyer pays the surveyors fee but sometimes this may be paid by the seller

1300 Additional Settlement Charges

Releases $ Mortgage $Deed $

1201 Recording fees Deed $1200 GOVERNMENT RECORDING AND TRANSFER CHARGES

1202 Citycounty taxstamps Mortgage $Deed $1203 State taxstamps

12041205

Mortgage $

toto

to1101 Settlement of closing fee1100 TITLE CHARGES

1102 Abstract or title searchto

to

1103 Title examination1104 Title insurance binder1105 Document preparation

Page 13 of 18VMP -18 (0607)


The first page of the HUD-1 Settlement Statement summarizes all the costs and adjustments for theborrower and seller Section J is the summary of the borrowers transaction and Section K is the summary of thesellers side of the transaction You may receive a copy of the sellers side but it is not required

Section 100 summarizes the borrowers costs such as the contract cost of the house any personalproperty being purchased and the total settlement charges owed by the borrower from Section L

Beginning at line 106 adjustments are made for items (such as taxes assessments fuel) that the sellerhas previously paid If you will benefit from these items after settlement you will usually repay the seller forthat portion of the cost

10406500

Here is an example for you to use in making your own calculations

120 GROSS AMOUNT DUE FROM BORROWER

to630

to

100 GROSS AMOUNT DUE FROM BORROWER101 Contract sales price

102 Personal Property

103 Settlement charges to borrower (line 1400)

105

J SUMMARY OF BORROWERS TRANSACTION

106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000

Adjustments for items paid by seller in advance

104

109 Fuel Oil 25 gals $100gal

107 County taxes

2500

to

Assume in this example the cost of the house is $100000 and the borrowers total settlement chargesbrought from Line 1400 of Section L are $4000 Assume that the settlement date is July 1 Here the borrowerhas agreed to pay the seller for the $40 Home Owners Association dues that have been paid for the month ofJuly and for the 25 gallons of fuel oil left in the tank This is added for a gross amount due from the borrowerof $104065

Paid Outside Of Closing (POC) Some fees may be listed on the HUD-1 to the left of theborrowers column and marked POC Fees such as those for credit reports and appraisals are usually paid bythe borrower before closingsettlement They are additional costs to you Other fees such as those paid by thelender to a mortgage broker or other settlement service providers may be paid after closingsettlement Thesefees are usually included in the interest rate or other settlement charge They are not an additional cost to youThese types of fees will not be added into the total on Line 1400

1400 Total Settlement Charges The sum of all fees in the borrowers column entitled Paid fromBorrowers Funds at Settlement is placed here This figure is then transferred to line 103 of Section JSettlement charges to borrower in the Summary of Borrowers Transaction on page 1 of the HUD-1Settlement Statement and added to the purchase price The sum of all of the settlement fees paid by the seller aretransferred to line 502 of Section K Summary of Sellers Transaction on page 1 of the HUD-1 SettlementStatement

1400 TOTAL SETTLEMENT CHARGES (enter on lines 103 Section J and 502 Section K)

Page 14 of 18VMP -18 (0607)

8270000219 TOTAL PAID BYFOR BORROWER

11 to 630 $200yr

to210 Citytown taxes

212 Assessments

214

215

219

Adjustments for items paid by seller in advance209

213

11 to 630 $1200year 60000211 County taxes

208

216

217

218

10000

In this example the borrower must bring $2136500 to settlement

Section 300 reflects the difference between the gross amount due from the borrower and the total amountpaid byfor the borrower Generally line 303 will show the amount of cash the borrower must bring tosettlement

301 Gross Amount due from borrower (line 120)

302 Less amounts paid byfor borrower (line 220)

300 CASH AT SETTLEMENT FROMTO BORROWER

(8270000)10406500

In this example assume the borrower paid an earnest deposit of $2000 and is getting a loan for$80000 A tax of $1200 and an assessment of $200 are due at the end of the year The seller will pay theborrower for six months or one-half of this amount Line 220 shows the total $82700 to be paid by or for theborrower

2136500X303 CASH ( FROM) (r TO) BORROWER

201 Deposit of earnest money

202 Principle amount of new loan(s)

203 Existing loan(s) taken subject to

204

206

200 AMOUNTS PAID BY OR IN BEHALF OF BORROWER2000008000000

205

207

Beginning at Line 210 adjustments are made for items that the seller owes (such as taxes assessments)but for which you as the borrower will pay after settlement The seller will usually pay you or credit you thisportion at settlement

Section 200 lists the amount paid by the borrower or on behalf of the borrower This will include thedeposit of earnest money you put down with the agreement of sale the loan(s) you are getting and any loan youmay be assuming

Page 15 of 18VMP -18 (0607)

Similar adjustments are made for homeowner association dues special assessments and fuel and otherutilities although the billing periods for these may not always be on an annual basis Be sure you work out thesecost sharing arrangements or prorations with the seller before the settlement You may wish to notify utilitycompanies of the change in ownership and ask for a special reading on the day of settlement with the bill forpre-settlement charges to be mailed to the seller at his or her new address or to the settlement agent This willeliminate much confusion that can result if you are billed for utilities used when the seller owned the property

At settlement it is usually necessary to make an adjustment between buyer and seller for property taxesand other expenses The adjustments between buyer and seller are shown in Sections J and K of the HUD-1Settlement Statement In the example given above the taxes which are payable annually had not yet been paidwhen the settlement occurs on July 1 The borrower will have to pay a whole years taxes on the followingDecember 1 However the seller lived in the house for the first six months of the year Thus one half of theyears taxes are to be paid by the seller Accordingly lines 211 and 511 on the HUD-1 Settlement Statementwould read as follows

$60000to211 County taxes $60000to511 County taxes 1197 630971197 63097

The borrower is given credit for this amount at the settlement and the seller will pay this amount orcount it as a deduction from sums payable to the seller


Page 16 of 18VMP -18 (0607)


SETTLEMENT STATEMENTUS DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

3

A

This form is furnished to give you a statement of actual settlement costs Amounts paid to and by the settlement agent are shown Items marked (poc) were paid outside theclosing they are shown here for informational purposes and are not included in the totals

8 Mortgage Insurance Case NumberCONV UNINS CONV INS5

F NAME AND ADDRESS OF LENDER

1 FHA

4 VA

2 FmHA

C NOTE

6 File NumberB TYPE OF LOAN 7 Loan Number

I SETTLEMENT DATE

E NAME AND ADDRESS OF SELLERD NAME AND ADDRESS OF BORROWER

G PROPERTY LOCATION H SETTLEMENT AGENT NAME AND ADDRESS

PLACE OF SETTLEMENT

406 Citytown taxes to

400 GROSS AMOUNT DUE TO SELLER401 Contract sales price

to

403

420 GROSS AMOUNT DUE TO SELLER

402 Personal property

K SUMMARY OF SELLERS TRANSACTION

405 Adjustments for items paid by seller in advance

408 Assessments407 County taxes to

404

409 410411 412

to

501 Excess deposit (see instructions)502 Settlement charges to seller (line 1400)

to

518

520 TOTAL REDUCTION AMOUNT DUE SELLER


500 REDUCTIONS IN AMOUNT DUE TO SELLER

517

Adjustments for items unpaid by seller510 Citytown taxes

to

515

511 County taxes512 Assessments 513



to







104

109 110 111 112

516

514

519

508

504 Payoff of first mortgage loan

507

509

201 Deposit of earnest money202 Principle amount of new loan(s)

601 Gross amount due to seller (line 420)


200 AMOUNTS PAID BY OR IN BEHALF OF BORROWER

602 Less reductions in amounts due by seller (line 520)603 CASH ( TO) ( FROM) SELLER

600 CASH AT SETTLEMENT TOFROM SELLER301 Gross amount due from borrower (line 120)302 Less amounts paid byfor borrower (line 220)303 CASH ( FROM) ( TO) BORROWER


208

204

207

209

205 206

505 Payoff of second mortgage loan

506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT

SETTLEMENTDivision of Commission (line 700) as follows

704 $

702 $ to703 Commission paid at Settlement


811


to


802 Loan Discountto






years to

day


$

years to

per month




1005 Annual assessments1004 County property taxes

10061007

months $months $months $months $months $months $

months $


$

toto

(includes above items numbers )to

to


1113

to1101 Settlement or closing fee

to

1100 TITLE CHARGES


to

1103 Title examination1104 Title insurance binder

(includes above items numbers )1108 Title Insurance

1105 Document preparation1106 Notary fees1107 Attorneys fees





12041205

Mortgage $

to1301 Survey1302 Pest inspection1303 130413051400 TOTAL SETTLEMENT CHARGES (enter on lines 103 Section J and 502 Section K)



Page 17 of 18VMP -18 (0607)

per monthmonths $

For information about FHA-insured home mortgageloans on one-to-four family dwellings call

Page 18 of 18

US Department of Housing and Urban Development451 7th Street SWWashington DC 20410Web site httpwwwhudgov

Other Agencies

Federal Reserve Board20th Street and Constitution Avenue NWWashington DC 20551httpwwwbogfrbfedus

VMP -18 (0607)

1-800 CALL FHA (800-225-5342)

For consumer counseling referrals call1-888-HOME4US (1-888-466-3487)

Office of Fair Housing and Equal Opportunity (see above HUD address)1-800-669-9777Web site httpwwwhudgovfhefheohtml

For information regarding housing discrimination issues contact

For information about RESPA contact

For information about buying a HUD home call1-800-767-4HUD (800-767-4483)

Consumer Information on Home Purchasing and Related Topics

Office of Consumer and Regulatory Affairs (see above HUD address)Web site httpwwwhudgovfharesrespa_hmhtml

Web Site httpwwwvagovvasloan

For information about the Truth in Lending Act and the Equal Credit Opportunity Act contact

For information about rural housing loan programs contactDepartment of AgricultureRural DevelopmentRural Housing ServicesStop 0783Washington DC 20250Web Site httpwwwrurdevusdagov

For information about programs and pamphlets offered by the Department of Veteran Affairscontact your nearest VA regional Office

LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR

Attached Document (Double-Click to open)

Package Contents

HLD Welcome Letter - TM8076

Condl Credit Apprvl Letter Refinance - CONDAPPR

Credit Approval Conditions - ZIPPY2

Document Checklist - C9593008

Authorization to Disclose Information - C6077

Lock In Agreement - C5220NA

Page 1

Page 2

Florida Anti-Coercion Disclosure - C0926

Application Disclosure - C5219NA

Appraisal Disclosure Notice - C6047

Affiliated Lender ABA Disclosure Statement - C7543

Mortgage Guaranty Disclosure -- C5218NA

Chase Mortgage Process - C5810

Page 1

Page 2

Borrower Identification Notice -- C6405

Homeowners Insurance AfBA - C6663

Privacy Notice --- C7052

Page 1

Page 2

Page 3

Uniform Residential Loan Appli - VMP21N

Page 1

Page 2

Page 3

Page 4

Verification of Information Application - C6051

Good Faith Estimate -- C001L

Page 1

Page 2

Provider of Settlement Service -- C002

TIL Cover Letter - C6000

Truth In Lending -- C6001

Transfer of Servicing Disclosure Statemnt -- C7027

Settlement Services Disclosure - C6681

ATTACHED FILES

CONDITIONAL CREDIT APPROVAL LETTERFor Refinances

Conditional Credit Approval - Refinances (606)

Dear

Date

Loan Number

Terms (Years)Assumed Interest Rate

Mortgage Insurance RequiredOccupancy Type

Product Type

Approval Expiration Date

Thank you for considering Chase for your home financing needs We are pleased to extend to youthis Conditional Credit Approval and look forward to providing you with a quick professional andhighly-personalized experience

Phone NumberFax Number

Subject Property Address

Loan Amount

Assumed Discount PointsEstimated Monthly Payment

Please note that this approval is subject to the satisfaction of the terms and conditions outlined in thisletter and the attached Credit Approval Conditions page Once these conditions are satisfied you willbe contacted by your loan processor to schedule a closing and advised of any closing requirements(for example proof of Hazard Insurance requirements andor Flood Insurance requirements if any)

In the event your financing needs change during the course of this process simply call us to discussalternative options Please understand that any such changes as well as the changes describedabove may impact the interest rate and terms associated with this Conditional Credit Approval

The rate and terms are not guaranteed and the approval is subject to validation of the information youprovided at the time of application If you have elected to lock your rate and points please refer toyour Lock-In Agreement and any associated addendums

If there is significant change to the information you disclosed (ie financial credit employment andorproperty) Chase reserves the right to cancel this Conditional Credit Approval In addition pleasenote that the Approval will expire on the date referenced above however it may be extended atChases sole discretion This Conditional Credit Approval is subject to compliance with all applicablefederal state and local laws rules and regulations and the execution of all documentation required byChase With your best interests in mind Chase will not make high-cost loans therefore thisConditional Approval is subject to Chases determination that the loan is not a high-cost loan

Since this is a refinance loan you have the right to cancel You can cancel your loan transactionwithin three (3) business days after settlement For this reason loan proceeds will not be disburseduntil the fourth (4th) business day after closing

Again thank you for your confidence in Chase we look forward to serving you

Sincerely

RICK MCCOY

May 29 2007

BRENDA MCCOY11708 FYFE AVE13TAMPA FL 33617

11578700

$15000000

RICK MCCOY



866-330-1880 Ext18590

(866) 401-8418

11708 FYFE AVE13TAMPA FL 33617

FNMA FHLMC 20yr206250875$109639PrimaryNOJuly 28 2007


1

2

3








Borrower(s)


Loan Number

8 Other




Phone

as disclosed

as disclosed

Fax

May 29 2007 11578700



July 28 2007

eMC

$1800000

$138739

$1150000

866-330-1880 Ext18590 (866) 401-8418





















Other

Other


Customer


Loan NoMCs Phone

Send Information To

MCs Fax



RICK MCCOY



XX

X

X


X 2

1

2




Name

TO BORROWER




















Date

Date

Date

Date

Date

Date

Date




RICK MCCOY

BRENDA MCCOY

Respond To

LOCK-IN AGREEMENT




I


INTEREST RATE



EXPIRATION DATE





APPLICANT




$$$

$ $( )

$








LOCK-IN AGREEMENT


Page 1 of 2


RATE CAP FEE $

Date





05292007

11578700






X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X










Lender

By Date


of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


1

2

3








Borrower(s)


Loan Number

8 Other




Phone

as disclosed

as disclosed

Fax

May 29 2007 11578700



July 28 2007

eMC

$1800000

$138739

$1150000

866-330-1880 Ext18590 (866) 401-8418





















Other

Other


Customer


Loan NoMCs Phone

Send Information To

MCs Fax



RICK MCCOY



XX

X

X


X 2

1

2




Name

TO BORROWER




















Date

Date

Date

Date

Date

Date

Date




RICK MCCOY

BRENDA MCCOY

Respond To

LOCK-IN AGREEMENT




I


INTEREST RATE



EXPIRATION DATE





APPLICANT




$$$

$ $( )

$








LOCK-IN AGREEMENT


Page 1 of 2


RATE CAP FEE $

Date





05292007

11578700






X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X










Lender

By Date


Page 2 of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and

Privacy PolicyC-7052 (706) (replaces 705 amp TMO7052 804) of 3










MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



















Other

Other


Customer


Loan NoMCs Phone

Send Information To

MCs Fax



RICK MCCOY



XX

X

X


X 2

1

2




Name

TO BORROWER




















Date

Date

Date

Date

Date

Date

Date




RICK MCCOY

BRENDA MCCOY

Respond To

LOCK-IN AGREEMENT




I


INTEREST RATE



EXPIRATION DATE





APPLICANT




$$$

$ $( )

$








LOCK-IN AGREEMENT


Page 1 of 2


RATE CAP FEE $

Date





05292007

11578700






X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X










Lender

By Date


Page 2 of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES




Name

TO BORROWER




















Date

Date

Date

Date

Date

Date

Date




RICK MCCOY

BRENDA MCCOY

Respond To

LOCK-IN AGREEMENT




I


INTEREST RATE



EXPIRATION DATE





APPLICANT




$$$

$ $( )

$








LOCK-IN AGREEMENT


Page 1 of 2


RATE CAP FEE $

Date





05292007

11578700






X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X










Lender

By Date


Page 2 of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

Respond To

LOCK-IN AGREEMENT




I


INTEREST RATE



EXPIRATION DATE





APPLICANT




$$$

$ $( )

$








LOCK-IN AGREEMENT


Page 1 of 2


RATE CAP FEE $

Date





05292007

11578700






X

60 LOCK

625

NA NA875 131250

NA NA

07262007

NA NA NA

NA NA

NA

X










Lender

By Date


Page 2 of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES









Lender

By Date


Page 2 of 2



(ii)

(i)













Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES







Borrower Date



Borrower Date



DateLoan

05292007

11578700


RICK MCCOY

BRENDA MCCOY



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



FEES

Credit Report Fee

$

Application Fee

Overnight Fee

Commitment Fee

Appraisal Fee

$

$

$

$






APPLICANT(S)

PROPERTY

LOAN AMOUNT TERM

LOAN TYPEPROGRAM



Yes No



Page 1 of 1

LENDER

05292007

11578700




240 months$15000000


39500

000

000

3500

000



Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Loan Date

APPRAISAL NOTICE



Date

Date

Date

Date

Date

Date

Date

Date


LENDER

11578700 05292007














ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES









ACKNOWLEDGMENT


Applicant Date

Applicant

Applicant

Applicant

Date

Date

Date

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date


Page 1 of 1

C7543 (406) (replaces 305)

05292007

11578700






Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES





Date

Date

Date

Date

Lender

Date

Loan

Date

Date

Date

Date


05292007

11578700

























11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


















11578700















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES















Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

Date

Loan Number




05292007

11578700





Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



Date

To

Property






ACKNOWLEDGEMENT







May 29 2007

RICK MCCOY

BRENDA MCCOY

11708 FYFE AVE

TAMPA FL 33617











Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES










Loan Date 11578700 05292007















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES















and











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES











MortgageApplied for

VA




Fixed Rate

GPM

Other (explain)

ARM (type)



No of Units

Year Built




Refinance

Construction





Original Cost



$$$$

$




made to be made

Cost $


$

$






Married

Separated








Married

Separated




YrsSchool






Own Rent No Yrs



Dates (from - to)

Monthly Income

Self Employed




Yrs on this job


Self Employed



Dates (from - to)

Monthly Income

Self Employed

$



Dates (from - to)

Monthly Income

Self Employed



Yrs on this job


Self Employed

$



Dates (from - to)

Monthly Income

Self Employed

$

no ages no ages


$

Own



Co-Borrower



-21N (0507)03

InitialsPage 1 of 4



DOB(mmddyyyy)


Borrower

Fee Simple







X

11578700

X

15000000 6250 240


1955

X X


0 14309600

Joint Tenancy X


513-56-8720 (727) 741-7234 10121952 0 262-08-3523 (727) 741-7234 10101953 0

X X

0 0

X 3Y X 10Y

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617

11708 FYFE AVE13

TAMPA FL 33617


6101 N 45th St13



TAMPA 33602 FL8 30


1115787009 11578700


CDD (0507)03


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Base Empl Income

Overtime

Bonuses

Commissions

DividendsInterest

Net Rental Income




Rent



Hazard Insurance

Real Estate Taxes

Mortgage Insurance

Homeowner Assn Dues

Other

TotalTotal $ $

$

$

$




$


$

$







Acct no

$


$


Acct no


$


Face amount $

$

$

$

$

$

$

$

$

$







$


$

$


$

$


Acct no

Acct no



Acct no





Acct no


Acct no




$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$ PaymentMonths

$

$

$ PaymentMonths


$ PaymentMonths

$

$

$

$

Acct no

Acct no

Acct no


-21N (0507)03

Initials

Page 2 of 4

Acct no

$

$

$

$

600000 400000 1000000

64200 109639

70300

10000

19167

150000 150000

750000 400000 1150000 134500 138806

B Pension 150000

X

SUNCOAST 64200 6814700

0

6431


0

6431


0

9182400001


0

102466865860001


0

0015551944

AMEX 8900 298000

0

23000000

010960037019331957

1800000

14000 254300

See Attached

171000

24800000 3150700 21649300

1115787009 11578700




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES




Type ofProperty

PresentMarket Value


GrossRental Income

Mortgage Payments


NetRental Income

$

$

$

$ $ $ $ $

$$$$Totals



Alternate Name





X X


CO-BORROWERBORROWER

White


Female

Asian

Male

Race

Sex



White



Hispanic or Latino



a





PMI MIP Funding Fee




p




b

c

d

e

f

g

h

ij

k

l

$




m

n

o



Loan amount








a

b

c

d

e

f

g

h

i


j

lk



Yes No NoYes





(2)

Female


Asian

Male


Hispanic or Latino



Sex

EthnicityRace





Mail

Internet





Date

Telephone

11708 FYFE AVE13

TAMPA FL 33617 SF 23000000 14309600 134500

ERROR13

TAMPA FL 33617 SF

See Attached

23000000 14309600 134500

X X

14309600 X X

159491 X X

305574 X X

131250

14905915

X X


X X

X X

X X

X X

X X

X X

15000000

X X

15000000 PR PR

-133585 SP SP

X X

X X

X X



Tempe AZ 85281

X

866-330-1880 Ext18590

1115787009 11578700CDD (0507)03

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

Borrower

Co-Borrower

Agency Case Number

Lender Case Number




XX


-21N (0507)03 Page 4 of 4


RICK MCCOY


Liabilities

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------




------------------------------------------------------------------------------------------------------------------

14000

------------------------------------------------------------------------------------------------------------------

REO

------------------------------------------------------------------------------------------------------------------


------------------------------------------------------------------------------------------------------------------

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

ERROR SF

TAMPA FL

33617

------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------

1115787009 11578700

CDD (0507)03




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES




LENDER

11578700

05292007




Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



Loan





C- 001L (902) Page 1 of 2

05292007




0814 Application Fee $39500 $000 $000

0818 Courier Fee $3500 $000 $000














1204 Intangible Tax $30000 $000 $000


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


(replaces 795)

Applicant




Property Taxes

Hazard Insurance

Mortgage Insurance

Applicant

Applicant Applicant

Applicant Applicant

Applicant Applicant

Property Address


Loan Officer

Lender Phone

Mailing Address

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Applicant

Date

Date

Date

Date Date

Date

Date

Date


Flood Insurance

Other

ESTIMATEDPAYMENT

$

$

$

$

$

$



ADD Closing Costs

+

+

+ADD Prepaids


LESS Loan Amount -

-

-

-

-

-



LESS Pd at Applic

LESS Earnest Money



$

$

$

$

$

$

$

$

$

$

$

$

Program Information

Base Loan Amount

Total Loan Amount

Down Payment

Type of Loan

Interest Rate

Loan Term

$

$

$

$

C- 001L (902) Page 2 of 2



0529200711578700


11708 FYFE AVE

TAMPA FL 33617 05292007


TAMPA FL 33617 866-330-1880 Ext18590

05292007


19167 000 15000000

10000 436824 15000000

000 159491 000


000 15000000 6250

000 240

000138806

39500

000

000

-133585










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES










C-002LX (1006) (replaces 906)


Loan Date

OR



OR


Page 1 of 1




LENDER


11578700

05292007





A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES




A


$ B


$ C


$ D















11578700

05292007



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



DATEBORROWERS

LOAN NO

Type of Loan


PROPERTY




$

Amount Financed


$

Total of Payments


$

PAYMENT SCHEDULE

NUMBER OFPAYMENTS

AMOUNT OF

PAYMENTS

ARE DUE


AMOUNT OFPAYMENTS


BEGINNING














DATE DATE

DATE DATE


e means estimate

MONTHLY PAYMENTS

e

DATE DATE

e e e



11578700



6430 11572290 14741194 26313484

239 $109639 090120071 $109763 08012027

X


X

15 5000

X

X




Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Lender Loan Date













X 0 to 25 _____ 26 to 50 _____ 51 to 75 _____ 76 to 100




Date Date

DateDate

Date Date

DateDate


05292007



Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Date

To

Property










APPRAISAL SERVICES




ACKNOWLEDGEMENT


Signature Date Date

Date

Date

Date

Date

Date

Date

Signature

Signature

Signature

Signature

Signature

Signature

Signature



052907






Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES



Address


Lender




Introduction

TABLE OF CONTENTS



697HUD-398-H(4)






G RESPA Disclosures







AppendixIV

I

II

III


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Page 2 of 18VMP -18 (0607)







I INTRODUCTION








Page 3 of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)














Page 4 of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)












Page 5 of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)












Page 6 of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)











G RESPA Disclosures


Page 7 of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)











Page 8 of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)












Page 9 of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)











SETTLEMENT

701 $ to


=PAID FROM

BORROWERSFUNDS AT

SETTLEMENT



704 $




Page 10 of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)











811


to


802 Loan Discountto








per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES




per month







years to

day


$

years to


10061007











Page 11 of 18VMP -18 (0607)

Page 12 of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)

$


to


1113

to















12041205

Mortgage $

toto



to


Page 13 of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)





10406500



to630

to




105


106 Citytown taxes

108 Assessments

110

111

112

731 (owners assn)

10000000

400000

4000


104


107 County taxes

2500

to





Page 14 of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)


11 to 630 $200yr


212 Assessments

214

215

219


213


208

216

217

218

10000






(8270000)10406500






204

206


205

207



Page 15 of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)






Page 16 of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

of 18VMP -18 (0607)



3

A




1 FHA

4 VA

2 FmHA

C NOTE


I SETTLEMENT DATE



PLACE OF SETTLEMENT



to

403






404

409 410411 412

to


to

518




517


to

515




to







104

109 110 111 112

516

514

519

508


507

509








208

204

207

209

205 206


506

to

to

218


217


to

215


216

214

219


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


SETTLEMENT701 $ to

=PAID FROM

BORROWERSFUNDS AT


704 $



811


to


802 Loan Discountto






years to

day


$

years to

per month





10061007


months $


$

toto


to


1113


to

1100 TITLE CHARGES


to








12041205

Mortgage $




Page 17 of 18VMP -18 (0607)

per monthmonths $


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES


Page 18 of 18


Other Agencies


VMP -18 (0607)

1-800 CALL FHA (800-225-5342)












LN_ACCTNUMLEFT

LN_ACCTNUMCENTER

LN_ACCTNUMRIGHT

LD_NAME

LD_ADDR


Package Contents







Page 1

Page 2







Page 1

Page 2




Page 1

Page 2

Page 3


Page 1

Page 2

Page 3

Page 4



Page 1

Page 2






ATTACHED FILES

RICK MCCOY 11708 FYFE AVE TAMPA, FL, 33617 11578700 ...1].pdf · Thank you for your business, and...

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Transcript of RICK MCCOY 11708 FYFE AVE TAMPA, FL, 33617 11578700 ...1].pdf · Thank you for your business, and...