EFTA01279974.pdf

Unifon Residential Loan Application Tiss appecatIon is designed to ba somaieleid by the applicanfis) weh IM Lrinclerr's ensistance Apellcents should camptet • Ihn form as -Borrower or •Co-Borrower.• as ripplicablo. CO-BOVTOW er information rrust also be providid (and Ihro approprim• box checked) when LJ th• income or astet s of • person oder (han the Borrower eintluden the Boasones sponse) will be used asa besä toi loan quaktkation or Ei the income or essets of the Borrower's spouse or other priesen who has community propeny regMs pursutet to state km wll not be used asa bass for loen qualificatiort Out bis or her hablaus most be considered because the spane or «hin person Ras community property nghts pursuant to appleable la« and Borrower resides in a community property state. the sacurdy proparty is located in a community propony Wate. or the Borrower is retying on other property located in a communty properly state as a basis for repayment of the loan. Il Uns is an apptIcition for joint erriet. Borrower find Co-Borrower *ach ergreis thel w • intrind to epply for joint <rede (sie below) Dinenor C ob( I. TYPE OF MORTGAGE AND 11EMS OF LOAN Mortgage n Applied fa: VA i X Conventimel I I OIMr Wanne. Agency Gase Numbor Lende Ces* Number :3 FRA QUSDNRurd Housing Service 420361321 Amount Inteest Rat• ! No of Months I Arnonlaallen Typo: x geie Szt• i eher (explain): 5325,000.00 3.000" 180 A et (type): II. PROPERTY INFORMATION AND PURPOSE OF LOAN Simoct Propoly Meire., Strell. city. dem 4 ZP) Plo of UM 444‘, DescuMicncf Sia ttl %Ne0MM tesentooriII nycesse , i I »Saue 2002 Puete ip et Lom Lj FUrute» Lj Cortstruclen UOthe etiptelett Ftspony wle be: W Refinance C Romfluchen-Permanent [—] Recirnce W a rt:Pcleinece I I Investment Complete INS Uns II conttruction or constructIon-perrnatiord han Teer tot Acquked I Odgmal Cost Amouni Eulting UM. I tat nennt Vakua of Lot I (b) Colt of Improvernents Tetel (e + b) 5 $ I$ 5 IS 001110060 rols Inla lt Iltis Isa rellnance bare. Dastebe Improvements M. made .M. to be made Teer Acquired Onginal Gott Amoont Brosting Lenz Papose of Refeance 2004 5810,000.00 5316,915.90 I Rate and Terz Cost:5 Title will be held in what Name(s) Iden in wisch Title will be hold State wil be hald in: Brien Vickers ril Foll Seele Title held jointly. I I Leat41,4(1 Wieg ospreien mo) Saures of Down Paymem. Settlement Chatges. andrer Subordinate Hienring (expein) I Botrower III. BORROWER INFORMATION Co-Donower Borrotter's Name (melodi Jr. or St il *ppkable) Coeeifer er's Name (melodi Jr. Or St il stipicatfin Brien Vickere Senat Secerita Nussbar Home filme Opel. enecode) 00.(neneletYY) 4r. school Neil Security Nute« Horne Rene Oncl. en« sode) 00likeirendrnerri *in scnol 0 unmemed(mcrude Inot A erMotte (nol losteebytsorronee) b la Mened M UnnamedOncludesinde Cer.nalc no lae s (P: t g. Y °en") C Slamel C I •Ofis dtverCe4. ev444444) ovareis widowedl Sperried 0 Smievd Present Address lernt. cey. stete 2ipi Li Cent Rant 3/0 No. Yrs. neunt Address Wwe. etc. stete. bi,' Li 0wn I__I Ranl No. Vis. Melling Address, lt dillonnt from Present Addreas Mmung Aadress il different Ironi Rennt Address If residing at present address for less (han two years, compkge the following: Form« Add.ess (ereil. Mai ade. Zevi Former Address ht nee. zmDown CIRot he Yrs 420361321 420361321 Umrom neuarte' Lom apenceiten Applecation Date: 10/2/2014 reine 144. rem 1003 7/05 (Rev 0109) Ferme Mee/Frelsee Kees . ..,* - Form eS 7/0S (Rev 6/09) VM sie VMP22 IN (0907 )03 weites Kamee Finersid Sorv'en Priel of 5 CONFIDENTIN111947010429022 EFTA_00141529 EFTA01279974  Oomovver m• IV. EMPLOYMENT INFORMATION Co-Borrower Nano 6 nIcfrois N Ern rInvor X I: 4.1 YTS on itu job Scio Verum Corporation 11/9 329 Sea Breeze Ave ,ropbood It, 'roof Yrs cfnolOyed in MR ire Of Palm Beach, FL 33480 OflOTAVIrf fa On ddlOIXOWSSan Pouhrirdlortypo of &Anon BUSnani Mani find Onto <00.1 POstionfroll.4100 of eunntSS Eltmens Alone nod roe 04) Race Car Driver If employed In =rent position for less than two years or If cwrently employed In more than one poilka, complete the fOllOwIllil• Nene 6 Atern of ElltloYet Elsa Fneetwed ogee Mom -101 Name a A611121of Setforn 0 SW Ern/flow.] Otles0rcer -10) Manner Income wriNy InCOMO f I PositbniThionypo of 8usinws Business Plan had. wee coal Position/Title/Typo of Wenn fewness Alone Ilse dennOde Name 8 A4d145. Of ST rioy E Sea Efnindind Dan (nom -101 Nan* 8 AOress Of &OOP.; 0 54f Snoloyecl Caw Won - to) MoMhty Income Monthly Means S S Pesitianaille/Type of Business panels Ftene(inct stwoon PosilootTSIOTypo of Business ausanws mono ond BIOS C000) le_ V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION 0twe Menthe Income Ilenerwr Co P0..0,, ,r Teo C:21=4ortNy H Omer, Agmee eve Boo &V Income' -6.361 83 $ S -6,361.83 Rent S 8,500.00 i A Arnim* First Monroe (PM) S 2,244.39 Drum Ott*. Anomaly (P41) Commlailom Meant Insurance 243.60 Dividends/Interest Real Estate Taxes 543.73 Nit Rental Income Mort9epe Murano Other lbeGge nOmpletini Homeowner rem. Dun 400.00 toe Wand coin 'desalt* OM& Mean (1.• bOIOW) 30,276.00 30.276.00 Other: Total S 23.914.17 $ S 23.914.17 Total S 8,600.00 S 3,431.62 • Self Employed Borrower(s) may be required to provide attritional documentation such as tax returns and financial statemests. B/C Describe Other Income Notice: Allmcmy, child support, or separate maintenance Income need not be revealed If the Monthly Borrower (B) or Co-Borrower (C) don not 0110Oila to have It considered for repaying this loan. Amount B Belot i orishpBank 530.276.00 5 30,276.00 C 420341321 670351371 unlem malarial tow nwercalno Application Date: 1012/2014 FameMee Form 1003 7/05 (Rev 0109) Faro MeerFrodidee Mtn f-redo. Mac Form 65 7/05 Odev 641) vMP le Y MF22 IN10907)03 WcItens lavreit Femme Services No*245 CONFIDENTIAL SDNY_GM_00030917 EF1'A_00141530 EFTA01279975  VI. ASSETS AND LIABILITIES This Statement and any applicable supportrig schedules may be completed Jointly by both marned and unmarried Coltorrowers if thew assets and liabilities are sufficiently joined so the/ the Statement can be meaningfully and fairly presented on a combined basis: otherwise separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person. this Statement and supporting schedules must be completed about that spouse or other person also. Completed 1 Jointly ri Not Jointer ASSETS Cash erMatiot Yak* USW. arid Metaled Assets. -A the credues nano. amicss d4 3....ut men be ict at ostUaticang netts. Description 'flown) tutomotoe loins ronAN-no cteroe /recounts root osId• coals etmu, / chid support. stock pledges. Vs Use continuation sheet it necessity inciCate by (' ) th010 Itibilion which will be SatiSheit Upon Sale of reel falai) Cash depose toward purchase held by: $ owned ce uoon refinancini of the SlityKI PtOpotly Monthly paymerd & UABUTIES Months Left to Pay Balance Ust checking and sayings accounts below Name and address of Convey S Payment/Months Name and address of Bank, S&L. or Credit Union CHASE 25.00 104.00 Fifth Third Thr 9/30 5 0 Ace r4 — Name and address of Company Peyment/Months 17 .204 .55 CCO MORT CRP 3,163.00 318,915.90 Name and oddress of Benk. S&L. or Credit Union • Fifth Third thr 9/30 a gas i - Name and address of Company S Payment/Month L P 9,127.57 lamen es of Bask. S&L a Crock Union Name and address of Company 5 Pt/MIMI/Months Name and address of Bank, S&L, or Credit Union Name and address of Corrymny S Payment/Month A.a to ai & Rends (Company name/number Sines a d cription) Fifth Third Private Bank - 515.751.96 CREO Global Capital -81ue 3,108,560.00 flame and address of Cornpasy S PoymentrMonths Morgan Stanley FEW Blue Chip 506.946.00 Life insurance set cash value Face amount: S Sabah/ Uqukli Assets 4 157 590 08 1 no Real estate owned (enter market value Name end address of Company S Payment/Months S 620,000 from schedule of reel estate owned) Vested Interest in retirement fund $ Net worth of buslness(es) owned 399,960.20 (attach maws statement) Automobiles owned (make and yea) Aod no Alimony/O9a S.ipporl6morde of anion/me Payment $ Owed to et.p.siged E. / ant* (rthrd t.thbn duos. etc ) Other Assets (ternte) Total PO onthl Payments s / 1 .,i/:/ Total Assets S 5,177,550.28 la°tmruirt1.1 ►S 4. n8.530.38 Total liabilities b. $ 319,019.90 Schedule of Real Estate Owned (If addnional properties are ow nod. use continuahon sheet.) Insurance. Ftoperty Address (enter S if sold, PS if renting sole. Type of Present Amount_ of Goss Net or Rif rental being held for income) property Market Value Mortgages & Liam Rental Income Rental Income S 620,000 S 318,916 S 3,163 Tot ais S 620,000 $ 318,916 S S 3,163 S List any additional names under which credit has previously been received and indicate appropriate creditor narne(s) and actors* number(s): Alternate Name Creditor Name Account Number 420361321 420361321 Untom RenOtetiti Local Am/nation Garner Ilea Form 1003 7/05 (Rev 0/09) FernieMariFrodfro Mac Application (NW 1012/201 Fredoe Mac Ron I/05(090w 6/09) vial!. 90 $5 2 N 9MP2 07 )0$ Watts Wove- Finarod Savo,: Pogo 3 of 5 CONFIDENTIAL SDNY_CM_00030918 EFTA_00141531 EFTA01279976  VM. DECLARATIONS If you answer "Yes" to any questions a through I, please CnAonnoier S. Rushes* price S use continuation sheet for explanation. Yes no No Yes No b. Alteratkem Improvements. repairs a Arethem any oul t.ageing palmed s [goon you? IMI M IL) = C. Land (If acquked separately) 0 Ham you teen dedared baskApt w Ohm Moped f yeerP = Fl = = C Nine yen helscopany foroCk400 unto or p or deed In 4),) 1 'root n - d. Refinance (ind. debts to be paid off) 318,915.90 the last f RS'S' IM Iii C 5. Estimated prepaid BIM% 650.00 d AM yea 8 piny to a IrseinP (=I OD 0 0 f. Estimated closin• costs 9 633.25 4 nate you directly or orietradly teen otter:Med al any Oat winch resisted in or loreclowie. timber Isis in lieu of toroclosait or Moments elms Mold g. RM. MP, Funding Fee recede sun IOW% SS nettle mOrkkke loan. SBA belt Mme improvemett was, raordiered roan. moth:clued (motile) rinse loan, my mottoes. h. Discount (if SWIM aor Mil pry) anonnal orotiolitn. tote or low guwerent If 'Yes; inCludon die ease and 832r•SS Cl LeferSr. FHA or VA MSSmiler.Mtnref.itit Wty, I. Total costs (add items a through h) $329.199.15 are morn lot thoectiOn / — WV = = J. Subordinate fiaancling I Are you onnertly Pandont Cr el Waist on my Fintocil den or loss mitres loWinal dslodion. toot or loon piwardm it •Yes. give C M C C ic. Borrowers do • costs paid b Sae dela SS 0OSOmIted in the Orecedtn0 Wrenn I. Other Creeks (explain) 9 Ani You 006900010 pay *morn. mad SuCpoot. Or emerge male-mon =MEC Application Fee Paid 400. 00 ri Is ray men or Int Comm paymint ternmverr 0 II 0 0 . An you • co-maker or endorsor orlon:PO CI Fl 0 - I. Ate you GU 5 oleo& WI = = = M. Loananrxrr4 0.0(40RAL MP Ronne Foe toon0)31 326,000. 00 ii An you a pa-maned resident Mont =MCC L oo you Wend to «ow eatpipet/ IC YOUr Oran rooldaso•S if 'YoS: m ®m m n. Nil MIR Funding Fee financed temple. mieStrto rn Wow o. Loan amount (add m 6 n) 325,000.00 ril Hare you std an owmeshy trbirest m a prOpirty in lb? Rd three yearSs WM - C Ini $3, O i tv,mg fig 00, r ,p,r,0 , 04,1 1;16-r; pampa reliance tat). ,43.co,),turn pR p. Cash frorrito Borrower 799.15 laubtraCt J. k, I & 0 from I) (-.' H ..., :id . .., ,.i ;:. .- i 0,- tiv.t.. . - :H. : • ir`i . ",51 pointlY rich • IX. ACKNOWLEDGEMENT AND AGREEMENT Each of the undersigned specificity represents to Lando, end to Lender's actual or potential agents, brans processor, attorneys, Insurers. SIMMS. successors end ensigns and egrets and acknowledges that: (1) the information provided in this application is true end correct as of the date set forth epode my signature end that any intentional or negligent misrepresentation of this information contained in this application may result in dui liability. including monetary damages. to any person who may suffer any loss die to reliance upon any rnisrepresentMion that I have made on this application, and/or is criminal penalties including, but not limited to. fine or mprisonment or both under the provisions of Title le. United States Code. Sec. 1001. et seq.: (2) the loan requested pursuant to this application (the 'Loan") wilt be secured by a mortgage or deed of trust on the property described in this application; (3) the property wdl not be used for any 'Neel or prohbited purpose or use: (4) all statements made in this appication me made for the purpose of obtaining a residential mortgage loan: (5) the property will be occupied as indicated in this application: (e) the Lender. Its servitors. successors or assigns may retain the anginal and/or an electronic record of this application. whether Cr not the Loan is approved. (7) the Lender and its agents. brokers, Insurers, setvicers. successors. and assigns may continuously rely on the information contained in the application, and I am °bigoted to amend andfor supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan: (6) in the event that my payments on the Loan become delinquent. the Lender. its semicers. successors or assigns may. in addition to any other rights and remedies that it may have relating to such delinmiency, report my name and account infonnation to one or more consumer reporting agencies. (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law: (10) neither Lender nor its agents, broken, insurers. servicers. successors or assigns has made any representation or warranty. express or implied, to me resorting the property or the condition or value of the property: and (11) my transmission of this application as an 'electronic record' containing my 'electronic signature.' as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings). or my facsimile transmission ot this application containing a facsimile of my signature. shall be as effective. enforceable and valid es if a paper version of this application were delivered containing my ongnal written signature. Acknowledgement. Bich of the undersigned hereby acknowledges that any owner of the Loan. as senicers. successors and assigns. may verify or reverify any information contained in this eppication or obtain any information or data relating to the Loan, for any legitimate business purpose through any source. including a scarce named in this application or a consumer reporting agency. Borrowets Signature Date I Co -Berra/ ers Signature Date X 12/4/2O14 X X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following automation is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lenders compliance wah equal credit opportunity, far housing and home mortgage disclosure laws. You are not required to furnish this information. but are encouraged to do so. The taw provides that • lender may not discriminate either on the basis of this information. or on whether you choose to furnish it. If you furnish the information. please provide both ethnicity and race. For nice. you may check more than one designation. If you do not furnish ethnicity. race. or sex. under Federal regulations, this lender is requked to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the Information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy al requirements to which the lender is subject under applicable state law for the particular type of loan applied for.) BORROWER 0 i dO net *Oh tO Mobs did witaindOn CO-BORROWER NI I CO not went° knish liss Information allnkitY: 14 rat or Limo Hot Hi Mc or Lino alltit Y: Wit or Limo NW Rs <or Lahr* Rae& col HY` Rau: Alan* Nao* Aspen AftwanArarrican — Masks Nine Avon Arntal Am Oleo C r heirere e c iltn Or r—n Mr Pittoeiriavn or W Wale t_j Valle • Foredo Fa Maid Sex: Fl Ferns. - liter To be Completed by Loan OrIginMor: This hteimatiem was provided: ('Ti In a face-toface interview By the applicant and seibmilted by fax or mail In a telephone interview 7Th By the applicant and submitted via e-mail or the Internet Loan Originators Skalatwo f Date X Loan Originators Name (print or Lean Originator Identifier Loan Originator's Phone Number (including area code) Joann Brown 414603 LOan Origination Company's Name Loan Origination Company idertifler •t Ir.at on ompany's Address Fifth Third Mortgage Company 5001 Kingsley OR. MO: 11.10CBC1, 134100 Cincinnati , COI 45227 420361321 Application Date 10/2/2014 420361321 Untenn Rotaries Loon apricatim Corner Mee Form 1003 7/05 (Rov 0/09) Fame mairedche Mac Frmitio Mac Ferri 7/05 (rev 6/09) times vm6$F22 I NI0907 )03 writers merge rancid Services Pagel of 5 CONFIDENTIAL SDNY_GM_00030919 EFFA_00141532 EFTA01279977  CONTINUATION SHEET/RESIDENTIAL LOAN APPUCATION Botrow et. Agency Case Number. Use this continuation sheet if you need more space to compete the Residential Loan Brian Vickers Application. Mark B for Co-Borrower Lender Case Number: Bonnet a C for Co-8mmet 420361321 lfWe fully understand that it Is a Federal crane punishable by fine or imprisonmeat. or both, to knowingly make any false statemeMs concerning any of the above facts as applicable under the provisions of Title ft United StMes Code, Section 1001. M seq. Borrower's Signature: Date Co -Borrower's Signature: Date X 12/4/2014 X 120361321 420361321 unforin Rimidentie Lan ApOita.C41 Cornell., rpm 1003 7/05 (Rev 0109) Femme Msiffni61.6 Ike Freddie mac form 65 7/05 (Aev 6/09) VAIP 30 V1AP22 1 N10907 )03 WM." Wow Frsmod Sorsere Pogo 5 015 CONFIDENTIAL SDNY_GM_000343920 EFTA_00141533 EFTA01279978