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heqstdis
62000001
 
CLOSINGINS
 
Closing InstructionsCMG MORTGAGE, INC.
 
3160 CROW CANYON ROAD STE 350, SAN RAMON, CALIFORNIA 94583 Phone: Fax: (925) 983-3159
Settlement Agent:Date:
March 4, 2006
 
LSI
Order #:
88-88888
 
2550 REDHILL AVENUE
Loan No.:
62000001
 
SANTA ANA, CALIFORNIA 92705
 Case No.:Attn:
JANA CUNNINGHAM
 Loan Closer:
DEBBIE STEELE
 Phone #:
(800) 846-5678
 Fax #:
(949) 442-2250
 Loan Officer:
CORPORATE WHOLESALE
 Mortgagors:
JOHN HOMEOWNER
Loan Amount:
$ 500,000.00
 
MARY HOMEOWNER
Interest Rate:
6.631
 Margin:
2.000
 Property:
111 TBD
1 Month Libor Index:
4.631
 
SAN RAMON, CALIFORNIA 94583
Loan Type:
Home Equity Loan withoutInitial Rate Period
 First Payment:
April 1, 2006
 Mailing Addr:
111 TBD
Last Payment:
March 1, 2036
 
SAN RAMON, CALIFORNIA 94583
Term: (Draw Period)
120
Documents for the above referenced borrowers are attached. All other items enclosed are to be properly executed (and notarized whererequired) and copies conformed and returned to this office with a signed copy of these instructions. DO NOT CHANGE any documentswithout our specific approval. Borrowers must sign exactly as their names are shown. Return all executed original documents and providecopies to borrowers.The CLOSED LOAN FILE must be received by our office following the closing for review prior to us authorizing recording of thedocuments. You are authorized to record and disburse funds when you are in a position to issue your extended coverage Lenders policy of title insurance in the amount of the loan, insuring the enclosed Deed of Trust/Mortgage to be a First Lien or charge upon the real propertydescribed therein, subject only to the following exceptions numbered:
1-3.
 The Title Policy must contain endorsements
8.1,111.9
.This loan must record on or before: March 31, 2006
.
Lender is to be at no expense in this transaction.
CMG MORTGAGE, INC.
reserves the right to cancel or amend the terms of this loan and/or instructions at any time prior to recordation of our Deed of Trust.
Return Documents To:CMG MORTGAGE, INC.ADMINISTRATION SAN RAMON3160 CROW CANYON ROAD STE 350SAN RAMON, CALIFORNIA 94583Loss Payee Clause:CMG MORTGAGE, INC.Its successors and/or assigns3160 Crow Canyon Rd., Ste 240San Ramon, CA 94583
 
Other Conditions:
 1. ATTENTION CLOSING AGENT: BORROWER(S) WILL HAVE $xx IN UNDISBURSED EQUITY FUNDS.2. ATTENTION CLOSING AGENT: ONE OF THE TWO FORMS OF CUSTOMER IDENTIFICATION MUST BE ANUNEXPIRED STATE-ISSUED IDENTIFICATION.3. ATTENTION CLOSING AGENTS: IF YOUR FEES CHANGE OR INCREASE FROM THE AMOUNTS NOTED ON OURCLOSING INSTRUCTIONS YOU MUST NOTIFY US IMMEDIATELY AS REVISED DOCUMENTS MUST BE CREATEDAND SIGNED BY THE BORROWER(S). CHANGES WILL DELAY LOAN CLOSINGS.4. BORROWERS WILL RECEIVE $XX OF NRCC/CC CREDIT FROM ______ AT CLOSING.5. LOAN MUST FUND/DISBURSE BY LAST BUSINESS DAY OF THE MONTH; NO FUNDING INTO THE NEXTMONTH.See attached page for breakdown of loan fees.Escrow Officer
 
Settlement Charges
 Paid ByBorrowerPaid BySellerDiscounts Points __________% TO CMG $ 612.50 $Appraisal to TO DALENE'S COUNTRY APPRAISAL SERVICE $ 20.00 $ADMIN FEE LENDER TO CMG $ 799.00 $PROCESSING FEE - BROKER TO CMG MTG, INC. - CORP W/S $ 195.00 $COURIER/DELIVERY - BROKER TO PBB $35.00 $ $Settlement or closing fee to TO LSI $ 742.96 $Notary fees to TO LSI $ 50.00 $Title insurance to TO LSI $ 1,130.50 $RECORDING FEE (900) TO LSI $ 85.00 $Interim Interest from 03/04/2006 to 04/01/2006 days @ 92.10/ day $ 2,578.80 $
Total Settlement Charges $ 6,213.76 $Total Disbursements
Initial Advance to Borrower $ 490,000.00Total Settlement Charges $ 6,213.76Cash to/from Borrower $ 483,786.24
NET SETTLEMENT
Loan Amount $
500,000.00Plus
Cash / Check from Borrower $
Minus
Total Settlement Charges $
6,213.76
$
Minus
Total Disbursements to Others $
Minus
Undisbursed Funds to Borrower $
10,000.00Equals
Disbursement to Borrower $
483,786.24
(after expiration of any applicablerescission period required by law) 
 
•
HELOC - Notice of Right to Cancel
8/04
 
FE-3162
(0408)
he3162
62000001
 
NOTICE
 DATE:
March 4, 2006
BORROWER:
JOHN HOMEOWNER
CASE #:LOAN #:
62000001
PROPERTY ADDRESS:
111 TBDSAN RAMON, CALIFORNIA 94583
 
NOTICE OF RIGHT TO CANCEL
Home Equity Line of CreditYour Right to Cancel:
We have agreed to establish an open-end credit account for you, and you have agreed to give us a securityinterest in your home as security for the account. If all or some portion of your account is used to finance the downpayment for thepurchase of the property identified above (“the Purchase Portion”), we are permitted to disburse the Purchase Portion of your accountprior to the expiration date indicated below in the section entitled
“How to Cancel.”
 You have a legal right under federal law to cancel the security interest applicable to the remainder of the funds available inyour account (“the Nonpurchase Portion”), without cost, within three business days after the latest of the following events:1. the opening date of your account which is
March 4, 2006
; or2. the date you received your Truth-in-Lending disclosures; or3. the date you received this notice of your right to cancel the account.The Nonpurchase Portion of your line includes any funds from the Purchase Portion that you subsequently repay and then useagain for some other purpose. If none of the account is being used to purchase the property identified above, then the NonpurchasePortion is the entire amount of the account. If you cancel, your cancellation will apply only to the Nonpurchase Portion and to thesecurity interest resulting from that portion. It will not affect the amount you owe for the Purchase Portion, and it will not affect thesecurity interest we have in your home for the Purchase Portion but it will terminate your ability to take additional funds from youraccount. Within 20 days of receiving your notice, we must take the necessary steps to reflect the fact that the security interest in yourhome has been reduced by the amount of the Nonpurchase Portion or cancelled, if applicable. If we require you to sign anydocuments or take any actions in connection with reducing the security interest, you must do so. We must return to you any money orproperty you have given to us or to anyone else in connection with the Nonpurchase Portion.You may keep any money or property we have given you until we have done the things mentioned above, but you must thenoffer to return the money or property. If it is impractical or unfair for you to return the property, you must offer its reasonable value.You may offer to return the property at your home or at the location of the property. Money must be returned to the address shownbelow. If we do not take possession of the money or property within 20 calendar days of your offer, you may keep it without furtherobligation.
How to Cancel:
If you decide to cancel the account, you may do so by notifying us, in writing, at:
CMG MORTGAGE, INC.3160 CROW CANYON ROAD STE 350SAN RAMON, CALIFORNIA 94583
 You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use thisnotice by dating and signing below. Keep one copy of this notice no matter how you notify us because it contains importantinformation about your rights.If you cancel by mail or telegram, you must send the notice no later than midnight of (or midnight of 
____________________
the third business day following the latest of the three events listed above). If you send or deliver yourwritten notice to cancel some other way it must be delivered to the above address no later than that time.__________ __________Initials Initials
I WISH TO CANCEL
___________________________________________________________________________________ _____________________________________________Consumer’s Signature Date
 The undersigned each acknowledge receipt of two completely filled in copies of the above Notice of Right to Cancel.Each of the undersigned has the right to cancel. The exercise of this right by one of the undersigned shall be effective as to all of theundersigned.
Consumer’s Signature
JOHN HOMEOWNER
Date
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