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Saenz Mortgage Broker Cell. 786-273-8761vrrr$#*w!HOW MUCH YOU HAVE TO MAKE A YEAR:*6@D?  Zero Debt~ NQE 1ST. MORTGAGE RESIDENTIAL GOOD FAITH ESTIMATE**M**** Appraisal~ }ABorrower(s) name:&xSAMPLE "RIFI" GOOD FAITH 2007EFGMin LTV~ zT@Borrower(s) address:dOOPDown Pay~ Property address: {ANYWHEREHIJs ToTal......r P&I nuevo, #Type of Loan: 30 years conventional yNO DOCS s Hoy pagas r Pagarias~ ~~ )  REAL ESTATE TRANSACTION DETAILS: ) n# ESTIMATED MONTHLY PAYMENT:    q* ,! A. Sales Price/Market Value:  CAD> 5Principal and Interest ..............................  0 _Y/@DDDD B; i 4 B. Mortgage amount ! eA D D? 6Real Estate Taxes ....................................   UUUUUg@ D  ]!- C. Interest Rate : ~ B@7.Hazard Insurance .............................UUUUUy@ D 4 D. Term (years) ~ N>@2)Flood Insurance .........................~ ! E. Periods per year~ c(@%;2Mortgage Insurance ...............................~   F. No. of payments~ cv@%-Monthly Payment#,lT@ % B2) G. Estimated annual real estate taxes~ A@90Association Maintenance .......................D2) H. Estimated annual hazard insurance~ ho@=TOTAL MONTHLY PAYMENT@@#,lT@ %B2) I. Estimated annual flood insurance~ A"1stYr~ o~ p~ ]~ 4+ J. Annual mortgage insurance (renewal)%Ǎ@D q?"2ndYr~ o~ p~ ]~ 2) K. Association Maintenance (monthly)~ C"3rdYr~ o~ p~ ] D R L. Loan to ValueSk?D%4thyr~ o~ p~ ]~ $$"5ftYr~ o~ p~ ] D 3&*800. ITEMS PAYABLE IN CONNECTION WITH LOAN^'8/900. REQUIRED BY LENDERS TO BE PAID IN ADVANCE#5801. Origination Discount ~ j" D DC:901. Interest for 15 days ................................0P@D D "5802. Loan Discount Points~ g" D D`W902. Mortgage Insurance premium (if less than 80% LTV).................................~ ,5#803. Appraisal Fee (not refundable)i~ u@8/903. Hazard Insurance premium for 1 year ......o@D,5#804. Credit Report (not refundable)i~ CN@8/904. Flood Insurance premium for 1 year .......%5805. Lender's Inspection Fee~ -$1000. RESERVES DEPOSITED WITH LENDER&5806.-Bank 80/20 COMBO Charges~ h+"1001. Hazard insurance (2 months).UUUUU@ D ! " # $ % & ' ( ) * + , - . / 0 1 2 3 4 5 6 7 8 9 : ; < = > ?  5807. Assumption Fee ~ ; 21002. Mortgage Insurance ( 2 months ). ...........   !5808. Mtg Broker's Fee~ !:@!!@ D!D ;!21003. City Property Taxes (2 months)..............!!!"5810. Tax Srvs Fee."~ "W@K"B1004. County Property Taxes ( 3 months ). ........................"""@ D ##5812. Lenders Rate Lock Fee#~ #@#.71005. Flood Insurance (2 months).......................#/#/#$&1100. TITLE CHARGES$($$(%1101. Settlement or Closing Fee%3~ %9i@)%= Total Estimated Prepayments:%?%L#%*@ %#B'&51102. Abstract or Title Search&~ &i@&f&f&+'"1103. Title Exam. to Closing Agent'~ 'i@0'=' Total Estimated Settlement Charges:'?%'ʍ@D%D=B)(5 1105. Doc. Preparation to Lender(~ (i@("Total Savings 5 Yrs.~ (~ (~ ()51107. Attorney's Fees)~ )r@~ )~ )~ )*51108.Title Ins Policy!*lț@ D+D,#*ț@ %+,B"*tNeg, Amort. for 5 years:.~ **~ Pos. Svgs.~ *,+2#1109. Lenders's Coverage (required)%+D@D ~jtx?+K!+ESTIMATED CASH TO CLOSE:+++*,0!1110. Owner's Coverage (optional)~ ,1I@,KI@D,,_ Purchase Price,`,`,-1111. Endorsement Fee-+~ -1R@2-) Alterations, improvements, and repairs--~ -0.'1200. GOV. RECORDING & TRANSFER CHARGES.(.). Land (if acquired separately)..~ ./1201. Recording fees/~ /!W@/ Refinance//~ / A-0$1202. Documentary Tax to Dade County0%0@D y&1l?0 Closing Costs000@D=,1#1203. Intangible Tax to Dade County1%1@D Mb`?1 Prepayments111*@D%,2#1300. ADDITIONAL SETTLEMENT CHARGES2(22 Less loan amount222AD 3 1301. Survey~ 3hpw@+3b" Less: Deposits (downpayment) 3a3a3D,4T#1302 : Bank Charges for 80/20 combo~ 4m%4b Less: Seller contribution~ 4&51303. Pest & Roff Inspction.555D5b; Less: Other credits (appraisal & credit report) 5a5a~ 50{@)6 1304. Complete Inspection 4 in 16~ 6h@o@B6=9 Total estimated cash to close (including downpayment)=6>6=26z%,1B%25B/7&1304. Amort. Schedule, Fax, and Copies~ 77%81305. Courier Fees~ 8R@8F8=These estimates are provided pursuant to the Real Estate Set 8888%'91306. Processing fees to MTGCO9~ 9u@C9:tlement and "Procedures Act of 1974, as amended (RESPA). 0:'1307. Application Fees (non refundable):~ :u@C::Additional information can be found in the HUD Special ::);6 1308. Underwriting fees to MTGCO;~ ;`m@G;>Information Booklet, which is to be provided to you by your ~ <7t@<8~ <1G<>Mortgage Broker or Lender. If your application is to purchase 9=;0TOTAL ESTIMATED CLOSING COSTS: $=<#=|@ %<BF==residential property the Lender will take a first lien on the>> property.[?URCOMPLETE THIS SECTION ONLY IF A PARTICULAR PROVIDER(S) OF SERVICES IS/ARE REQUIRED?V?V?V?V?V?V?W@ FA B C D E F G H I J K L M N O P [@TRSome of the charges estimated above are based on the following required providers:@X!AYName of Provider/AddressAZNature of relationshipAZ Telephone no.CAZ: Business relationshipAXXBTO_______________________________________________________________________________BXC+C[C[C[C[C[C[C\zD%qThis Good Faith Estimate is being provided by _______________, a Licensed Correspondent Lender, and no investor Ehas yet been obtained.8F"/X______________________________________________F%Date:_________________F]!G% Borrower's signature: 8H"/X______________________________________________H$H%Date:_________________ I% Borrower's signature8J"/X______________________________________________J%Date:_________________J% msrsgdft.wks@K%7Loan Officer: _________________________________________K%Date:_________________>   ) Arial