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Saenz Mortgage Broker Cell. 786-273-8761‹‹‹('*!HOW MUCH YOU HAVE TO MAKE A YEAR:*№<Ћ•d>я@DРьQИ…ыб?  Zero Debt~ N]E 1ST. MORTGAGE RESIDENTIAL GOOD FAITH ESTIMATE11Y1111Borrower(s) name:‘ Andrea GaitanQRS Sale Price~ ‚ABorrower(s) address:q[[\Down Pay~ “@Property address: (q2251 SW 27 ST MIAMI, FL. 33133TUVŒ ToTal......‹ P&I nuevo, #Type of Loan: 30 years conventional ’NO DOCS Œ Hoy pagas ‹ Pagarias~ ‰~ †)  REAL ESTATE TRANSACTION DETAILS: - ƒ# ESTIMATED MONTHLY PAYMENT:   ! Š* 3! A. Sales Price/Market Value:  O‚ADРZ QPrincipal and Interest ..........................................................  0 #гхVl‘@DРDРDРD РB; v < B. Mortgage amount ! r€{A D РDР] TReal Estate Taxes ..................................................................   Рb@ DР  i!4 C. Interest Rate : ~ N@\SHazard Insurance .................................................................. DР < D. Term (years) ~ Z>@^UFlood Insurance ..................................................................... DР ! E. Periods per year~ o(@)ZQMortgage Insurance ..............................................................Тѕ(\яY@ DР   F. No. of payments~ o€v@)4Monthly Payment#xќAц.љљ”@ % РРB2) G. Estimated annual real estate taxes~ M œ@TKAssociation Maintenance ..................................................9сzЎGбb@DР2) H. Estimated annual hazard insurance nce~ uGTOTAL MONTHLY PAYMENTKK#LXбЈ$"T—@ %РРB2) I. Estimated annual flood insurance~ M&1stYr~ †~ ‰~ i~ &4+ J. Annual mortgage insurance (renewal)%MыQИ…s“@D РоqŠŽфђ?&2ndYr~ †~ ‰~ i~ i2) K. Association Maintenance (monthly)~ OgЭ@&3rdYr~ †~ ‰~ ii DР ^ L. Loan to Value_~ yРW@)4thyr~ †~ ‰~ i~ i((&5ftYr~ †~ ‰~ ii DР 3**800. ITEMS PAYABLE IN CONNECTION WITH LOANj+8/900. REQUIRED BY LENDERS TO BE PAID IN ADVANCE  "#=801. Origination Discount ~ w". D РDРYP901. Interest for 15 days ......................................................0"~@D РDР "=802. Loan Discount Points~ t". D РDР`W902. Mortgage Insurance premium (if less than 80% LTV).................................~ ,=#803. Appraisal Fee (not refundable)v~ Рr@JA903. Hazard Insurance premium for 1 year ........................DР,=#804. Credit Report (not refundable)v~ {N@LC904. Flood Insurance premium for 1 year ...........................%=805. Lender's Inspection Fee~ .-$1000. RESERVES DEPOSITED WITH LENDER  $&=806.-Bank 80/20 COMBO Charges~ uY@+"1001. Hazard insurance (2 months).B DР џl! џ" џ# џ$ џ% џ& џ' џ( џ) џ* џ+ џ, џ- џ. џ/ џ0 џ1 џ2 џ3 џ4 џ5 џ6 џ7 џ8 џ9 џ: џ; џ< џ= џ> џ? џ =807. Assumption Fee ~ .I @1002. Mortgage Insurance ( 2 months ). .........................  $ Тѕ(\яi@DР !=808. Mtg Broker's Fee~ !C@!!.№Ј@ D!РD РN!E1003. City Property Taxes (2 months).................................!!!"=810. Tax Srvs Fee."~ ".РW@K"B1004. County Property Taxes ( 3 months ). ........................""" |@ D Р##=812. Lenders Rate Lock Fee#~ #.V#5M1005. Flood Insurance (2 months).............................................#7#7#9$*1100. TITLE CHARGES$,$0(%1101. Settlement or Closing Fee%;~ %Bi@)%G Total Estimated Prepayments:%J%X#%IRИ…kЮ‘@ %#РРB'&=1102. Abstract or Title Search&~ &.i@&s&s+'"1103. Title Exam. to Closing Agent'~ '.i@0'G' Total Estimated Settlement Charges:'J%'Iq= зГ…С@D%РD=РB)(= 1105. Doc. Preparation to Lender(~ (.i@(&Total Savings 5 Yrs.~ (†~ (‡~ (†)=1107. Attorney's Fees)~ )Рr@~ )†~ )†~ )„*=1108.Title Ins Policy!*zЭЬЬЬЬ|@ D+РD,Р#*.ЭЬЬЬЬ|@ %+,РРB"*Neg, Amort. for 5 years:.~ *…*Œ Pos. Svgs.~ *ˆ,+:#1109. Lenders's Coverage (required)%+PЭЬЬЬЬь@D Рњ~jМt“x?+W!+ESTIMATED CASH TO CLOSE:+ + +$*,8!1110. Owner's Coverage (optional)~ ,9I@,WI@D,Р,k Purchase Price,l,l,‚AD Р-1111. Endorsement Fee-2~ -9РR@2-) Alterations, improvements, and repairs--~ -|0.'1200. GOV. RECORDING & TRANSFER CHARGES.,.6). Land (if acquired separately)..~ .}/1201. Recording fees/~ //РW@/ Refinance//~ /}-0$1202. Documentary Tax to Dade County0%0.`‚@D Рyщ&1Ќl?0 Closing Costs000}ЭЬЬЬЬ—О@D=Р,1#1203. Intangible Tax to Dade County1%1.33333ѓs@D РќЉёвMb`?1 Prepayments111}RИ…kЮ‘@D%Р,2#1300. ADDITIONAL SETTLEMENT CHARGES2,202 Less loan amount222}€{AD Р3 1301. Survey~ 3A+3n" Less: Deposits (downpayment) 3m3m%3~hР@D Рš™™™™™Љ?,4`#1302 : Bank Charges for 80/20 combo~ 4|%4n Less: Seller contribution~ 4‚51303. Pest Inspection5~ 5%5D5n; Less: Other credits (appraisal & credit report) 5m5m~ 50{@61304. Roof Inspection6~ 6AB6G9 Total estimated cash to close (including downpayment)=6H6G26€p= з3ЌР@%,1РРB%25РРB/7&1304. Amort. Schedule, Fax, and Copies~ 7.@P@7)81305. Courier Fees~ 8.РR@8F8=These estimates are provided pursuant to the Real Estate Set 8888)%91306. Processing fees to MMS9~ 9%рu@C9:tlement and "Procedures Act of 1974, as amended (RESPA). 0:'1307. Application Fees (non refundable):~ :p@_@C::Additional information can be found in the HUD Special ::';>1308. Underwriting fees to MMS;~ ;`m@G;>Information Booklet, which is to be provided to you by your ~ <?t”@<@~ <9G<>Mortgage Broker or Lender. If your application is to purchase 9=D0TOTAL ESTIMATED CLOSING COSTS: $=E#=FЭЬЬЬЬ—О@ %<РРBF==residential property the Lender will take a first lien on the>> property.[?aRCOMPLETE THIS SECTION ONLY IF A PARTICULAR PROVIDER(S) OF SERVICES IS/ARE REQUIRED?b?b?b?b?b?b?c@ џ­A џB џC џD џE џF џG џH џI џJ џK џL џM џN џO џP џ[@`RSome of the charges estimated above are based on the following required providers:@d!AeName of Provider/AddressAfNature of relationshipAf Telephone no.CAf: Business relationshipAdXB`O_______________________________________________________________________________BdC2CgCgCgCgCgCgChzD)qThis Good Faith Estimate is being provided by _______________, a Licensed Correspondent Lender, and no investor Ehas yet been obtained.8F&/X______________________________________________F)Date:_________________Fi!G) Borrower's signature: 8H&/X______________________________________________H(H)Date:_________________ I) Borrower's signature8J&/X______________________________________________J)Date:_________________J) msrsgdft.wks@K)7Loan Officer: _________________________________________K)Date:_________________>Ж  ) Arial