GFE/HUDCheatSheet Frompage3,GFE "YourAdjustedOriginationCharges" Box1 Box2 BoxA HUDLine Tolerance HUDLine Tolerance HUDLine Tolerance 801 0% 802 0% 803

0% Comments: Comments: Comments: AllOriginationCharges, EithertheYSPindicatedon TotalofBox1andBox2.If includingProcessingand theLock(representedasa thereisatoleranceviolation, AdmininistrativeFees,evenif negativenumber)orthe thecureappliedonHUDpage paidto3rdparty,are Discount(representedasa 1forLines801and/or802 includedhere.However,if positivenumber)wouldbe sufficeasacureforLine803 thiswerea"LenderPaid" reflectedhere.Thisfeeis (seeRESPARoundup,April transaction,theborrower takendirectlyfromthe 2011). wouldonlyseethe Locknothingmaybeadded combinationofany3rdparty toit,thatisnotreflectedin processing/adminfeeand theNetLockPrice. GMGUnderwritingFee(and rushfee,ifapplicable) TheseChargescannotincreaseat settlement: OurOriginationCharge Yourcreditor charge(points)forthespecificinterest ratechosen(afteryoulockyourinterest rate) Youradjustedoriginationcharges(after youlockinyourinterestrate) TransferTaxes Tolerance Level=0% The totalofthesechargescanincreaseup to10%atsettlement: Requiredservicesthatweselect Titleservicesandlender'stitle insurance(ifweselectthemoryouuse companiesweidentify) Owner'stitleinsurance(ifyouuse companiesweidentify) Required servicesthatyoucanshopfor (ifyouusecompaniesweidentify) Governmentrecordingcharges Tolerance Level=10%* Tolerance Level=none* These chargescanchange atsettlement: Requiredservicesthatyoucanshopfor (ifyoudonotusecompanieswe identify) Titleservicesandlender'stitle insurance(ifyoudonotusecompanies weidentify) Owner'stitleinsurance(ifyoudonot usecompanisweidentify) Initialdepositfroyourescrowaccount Dailyinterestcharges Homeowner's Insurance

*Ifalistofcompaniesisnot providedtotheborrower,ToleranceLevelis10%. **Unlessyouhaveanacceptablechangeofcircumstance,andyourloanislocked,youmaynotrediscloseaGFEtotheborrower.

HUDLine

Box3 Tolerance

804899,902 10% Comments:Includesallfees listedinthe800sectionthat werenotincludedinBox1or 2.Also,includedFHA UpFrontMortgageInsurance Premium,VAFundingFee, USDAGuaranteeFee,or SinglePremiumFinanced ConventionalMIPremium.

HUDLine 11011102, 11041199 10% Comments:IncludesallTitle Feesinthe1100section, excludingOwner'sTitle InsurancelicyPremium

Box4 Tolerance

HUDLine

Box5 Tolerance

HUDLine

"YourChargesforAllOtherSettlementServices" Box6 Box7 Tolerance HUDLine Tolerance HUDLine

Box8 Tolerance

HUDLine

Box9 Tolerance

HUDLine

Box10 Tolerance 901 None

HUDLine

Box11 Tolerance

1103 None 1300+ None 12011201 10% Comments:Thereisno Comments:Thereisno Comments:Government tolerance(chargesmay tolerance(chargesmay RecordingChargesDeed, Mortgage,andReleases increase)onthisfeeIFthe increase)onthisfeeIFthe borrowerdoesnotuseaTitle borrowerdoesnotuseaTitle Companyidentifiedbythe Companyidentifiedbythe Brokerinaseparate Brokerinaseparate disclosure.Iftheborrower disclosure.Iftheborrower wasnotprovidedwithsucha wasnotprovidedwithsucha disclosure,orusedacompany disclosure,orusedacompany onthedisclosureprovided, onthedisclosureprovided, thenthisfeecarriesa10% thenthisfeecarriesa10% tolerance. tolerance.

12031204 10% 1101 None Comments:Transfer Comments:Thisisthe TaxesCity,County,State, amountoftotalescrowsheld bothDeedandMortgage bythelendertopayTaxes and/orInsurancepayments onborrower'sbehalf.

903904 None Comments:Property insurancepremiumhaveno tolerance.