App

0091384792
06/03/15
Carissa A Baker
1660 Willow Oak LN

Sanford, FL 32773
RE: Mortgage Application for: Carissa A Baker
The mortgage loan application from

United First Mortgage USA, Inc.
has been submitted to Freedom Mortgage Corporation forunderwriting review.
We are pleased to be chosen foryourlending needs.
In compliance with Federal and State regulations, we are providing you with the Truth-
in-Lending Disclosure Statement which reflects the annual percentage rate, or APR, as
well as other terms of the mortgage program. Please review the disclosures carefully.
X If this box is checked, your initial Truth in Lending Disclosure Statement is

enclosed. Federal law prohibits the collection of any fees, except the reasonable, bona
fide credit report fee, prior to your receipt of the enclosed Truth in Lending disclosure. If
you have paid an application, appraisal or other fee (except credit report fee) prior to your
receipt of this Truth in Lending disclosure, please write to us at Freedom Mortgage
Corporation, PO Box 8001, Department 150, Fishers, IN 46038-8001, and include a copy
of the canceled check or charge verification. Please reference the loan numberabove in
yourcorrespondence.
To expedite your loan process, please sign and date the following disclosures and fax to
(866)249-6517
If you have any questions, please contact yourmortgage representative.
Maureen C Zucks
Mortgage Representative
NMLS ID # 327512
Enclosure
148597479
SERVICING DISCLOSURE STATEMENT
Lender Borrower Date
Freedom Mortgage Corporation Carissa A Baker June 3, 2015
907 Pleasant Valley Av Ste 3
Mount Laurel, NJ 08054 Loan Number
0091384792
Property Address
1660 Willow Oak Ln
Sanford, FL 32773
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO

COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED.
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12
U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law. This statement describes whether
the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting
your principal, interest, and escrow payments, if any, as well as sending any monthly or annual statements,
tracking account balances, and handling other aspects of your loan. You will be given advance notice before
a transfer occurs.
Servicing Transfer Information
XX
We may assign, sell, or transfer the servicing of your loan while the loan is outstanding.
We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or
transfer the servicing of your mortgage loan before the first payment is due.
The loan for which you have applied will be serviced at this financial institution and we do not intend
to sell, transfer, or assign the servicing of the loan.
By signing below, I/we acknowledge receiving a copy of this disclosure.
Applicant Date Applicant Date

Carissa A Baker
Applicant Date Applicant Date
148597480
Servicing Disclosure Statement
VMP
Wolters Kluwer Financial Services 2005, 2008 VMP552R (0812).00
Page 1 of 1
0091384792
Affiliated Business Disclosure Statement
To: Property:
Carissa A Baker 1660 Willow Oak Ln
Sanford, FL 32773
From: Date:
Freedom Mortgage Corporation 05/26/2015
Mount Laurel, NJ 08054
This is to give you notice that Freedom Mortgage Corporation (Freedom) has a business relationship with
Madison Credit Management Services and East Coast Abstract.
The nature of the relationship (and percentage of ownership interest) is: one individual owns 100% of
Freedom`s equity and 24% of East Coast Abstract`s equity; and, the spouse of the 100% equity owner of
Freedom owns 100% of the equity of Madison Credit Management Services.
Because of this relationship, this referral may provide the equity owner and/or the spouse of the equity
owner of Freedom a financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are
NOT required to use the listed providers as a condition for settlement of your loan.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE

WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT
YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE
SERVICES.
Provider and Settlement Service Charge or Range of Charges

$400.00 - $2500.00 for Title Insurance
East Coast Abstract (dba ECA Land Search in NY)
Title Insurance and Settlement Services
1. B. Set forth below is the estimated charge or range of charges for the settlement services of an
attorney, credit reporting agency, real estate appraiser, or flood determination and monitoring service,
that we, as your lender, will require you to use as a condition of your loan on this property, to
represent our interest in the transaction.
Provider and Settlement Service Charge or Range of Charges

Madison Credit Management Services
Flood Determination and Monitoring Services $18.00
Tax Related Services $85.00
Acknowledgement
I/We have read this disclosure form and understand that Freedom Mortgage Corporation is referring
me/us to purchase the above-described settlement services and that the equity owner and/or the spouse
may receive a financial or other benefit as the result of this referral.
Borrower Date Borrower Date

Carissa A Baker
Rev. 01/2014 Cust - AffBusDc

148597482
BORROWER SIGNATURE AUTHORIZATION
PART I - General Information

1. Borrower(s) 2. Lender Name and Address
Carissa A Baker
Freedom Mortgage Corporation
3. Date 4. Loan Number
06/03/15 0091384792
PART II - Borrower Authorization
I hereby authorize the Lender to verify my past and present employment earnings records, bank accounts, stock
holdings and any other asset balances that are needed to process my mortgage loan application. I further
authorize the Lender to order a consumer credit report and verify other credit information, including past and
present mortgage and landlord references. It is understood that a copy of this form will also serve as
authorization.
The information the Lender obtains is only to be used in the processing of my application for a mortgage loan.
Borrower Date
Borrower Date
Co-Borrower Date
Co-Borrower Date
NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that
HUD/FHA has a right of access to financial records held by financial institutions in connection with the
consideration or administration of assistance to you. Financial records involving your transaction will be available
to HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to
another Government Agency or Department without your consent except as required or permitted by law.
-23B (0508) VMP Mortgage Solutions, Inc. (800)521-7291 8/05
148597483
Borrower's Certification & Authorization
Certification 0091384792
The undersigned certify the following:

1. I/We have applied for a mortgage loan from Freedom Mortgage Corporation
(lender). In applying for the loan, I/we completed a loan
application containing various information on the purpose of the loan, the amount and source of the down
payment, employment and income information, and assets and liabilities. I/We certify that all of the information
is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/we
omit any pertinent information.
2. I/We understand and agree that Freedom Mortgage Corporation
(lender) reserves the right to change the mortgage loan review process
to a full documentation program. This may include verifying the information provided on the application with the
employer and/or the financial institution.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make
any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United
States Code, Section 1014.
Authorization to Release Information

To Whom It May Concern:
1. I/We have applied for a mortgage loan from Freedom Mortgage Corporation
(lender). As part of the application process,
Freedom Mortgage Corporation (lender)
may verify information contained in my/our loan application and in other documents required in connection with
the loan, either before the loan is closed or as part of its quality control program.
2. I/We authorize you to provide to Freedom Mortgage Corporation
(lender), and to any investor to whom
Freedom Mortgage Corporation (lender) may sell my/our
mortgage, any and all information and documentation that they request. Such information includes, but is not
limited to, employment history and income; bank, money market, and similar account balances; credit history;
and copies of income tax returns.
3. Freedom Mortgage Corporation
(lender) or any investor that purchases the mortgage may address this authorization to any party named in the
loan application or disclosed by any consumer credit reporting agency or similar source.
4. A copy of this authorization may be accepted as an original.
5. Your prompt reply to Freedom Mortgage Corporation
(lender) or the investor that purchased the mortgage is appreciated.
NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that
HUD/FHA has a right of access to financial records held by financial institutions in connection with the
consideration or administration of assistance to you. Financial records involving your transaction will be available to
HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another
Government Agency or Department without your consent except as required or permitted by law.
(Borrower's Signature) Carissa A Baker (Date) (Borrower's Signature) (Date)
148597485
Wolters Kluwer Financial Services 7/07
VMP -50 (0707)
Form Approved
Social Security Administration OMB No. 0960-0760
Authorization for the Social Security Administration (SSA) To Release Social
Security Number (SSN) Verification
Printed Name: Date of Birth: Social Security Number:
Carissa A Baker 06/15/79 009-60-9409
I want this information released because I am conducting the following business transaction:
Seeking a Mortgage from the Company
Reason (s) for using CBSV: (Please select all that apply)
[x] Mortgage Service Banking Service
Background Check License Requirement
Credit Check Other
with the following company ("the Company"):

Company Name: _________________________________________________________________
907 Pleasant Valley Av Ste 3, Mount Laurel, NJ 08054
Company Address: _______________________________________________________________
I authorize the Social Security Administration to verify my name and SSN to the Company and/or the
Company's Agent, if applicable, for the purpose I identified.
The name and address of the Company's Agent is:

Interthinx
30005 Lady Face Ct., Agoura Hills, CA 91301
I am the individual to whom the Social Security number was issued or the parent or legal guardian of
a minor, or the legal guardian of a legally incompetent adult. I declare and affirm under the penalty of
perjury that the information contained herein is true and correct. I acknowledge that if I make any
representation that I know is false to obtain information from Social Security records, I could be found
guilty of a misdemeanor and fined up to $5,000.
This consent is valid only for 90 days from the date signed, unless indicated otherwise by the
individual named above. If you wish to change this timeframe, fill in the following:
This consent is valid for _________ days from the date signed. ___________ (Please initial.)
Signature ________________________________________ Date Signed ____________________
Relationship (if not the individual to whom the SSN was issued): ____________________________
Contact information of individual signing authorization:
Address 1660 Willow Oak LN

______________________________________________________________________
City/State/Zip Sanford, FL 32773
______________________________________________________________________
Phone Number (321)262-2603
______________________________________________________________________
148597487 0091384792
Form SSA-89 (06-2013) Page 1 of 2
Privacy Act Statement
SSA is authorized to collect the information on this form under Sections 205 and 1106 of the Social
Security Act and the Privacy Act of 1974 (5 U.S.C. § 552a). We need this information to provide the
verification of your name and SSN to the Company and/or the Company's Agent named on this form.
Giving us this information is voluntary. However, we cannot honor your request to release this
information without your consent. SSA may also use the information we collect on this form for such
purposes authorized by law, including to ensure the Company and/or Company's Agent's appropriate
use of the SSN verification service.
Paperwork Reduction Act Statement - This information collection meets the requirements of 44
U.S.C. § 3507, as amended by section 2 of the Paperwork Reduction Act of 1995. You do not need
to answer these questions unless we display a valid Office of Management and Budget control
number. We estimate that it will take about 3 minutes to complete the form. You may send
comments on our time estimate above to: SSA, 6401 Security Blvd., Baltimore, MD 21235-6401.
Send to this address only comments relating to our time estimate, not the completed form.
_____________________________________TEAR OFF__________________________________
NOTICE TO NUMBER HOLDER

The Company and/or its Agent have entered into an agreement with SSA that, among other things,
includes restrictions on the further use and disclosure of SSA's verification of your SSN. To view a
copy of the entire model agreement, visit http://www.ssa.gov/cbsv/docs/SampleUserAgreement.pdf
148597487 0091384792
Form SSA-89 (06-2013) Page 2 of 2
Rate Lock Agreement
0091384792
Case Number
Property Address
1660 Willow Oak Ln
Sanford, FL 32773
This lock in agreement describes the decision you have made about reserving (locking in) the interest rate and fees associated with
your mortgage loan. Interest rates may change and may impact the amount of your loan payment. Please carefully read the terms of
this agreement.
LOCK IN OPTION
At this time, , I have decided to lock in the interest rate for days. I understand that this
rate lock agreement is subject to change if there are material changes in my application, such as, but not limited to changes in the
loan amount, program type, loan to value or other changed circumstances. The following terms will apply in this agreement:
Interest Rate and Fees

Interest Rate: 4.250 %
Our Origination Charge:
X I will pay $ 4,400.00 for Lender to get this loan for me.
Discount Credit or Charges (points)
The credit or charge (points) for the interest rate I have chosen, %, is included in
Our Origination Charge. (See above).
X I will receive a credit of $ 4,400.00 for the interest rate I have chosen, 4.250 %.
This credit will reduce my settlement charges.
I will pay a charge of $ for the interest rate I have chosen, %.
This charge will increase my total settlement charges.
Loan Terms
Loan Amount: $ 160,000.00
Loan Term: 360
Loan Type: Conv Conf 30 Yr
Payment Type: monthly
Adjustable Rate Mortgage Terms Apply. I acknowledge that the rate I am locking is for an Adjustable
Rate Mortgage (ARM). This agreement locks the initial interest rate, but does not lock this interest rate in for the
life of the loan and the interest rate over the life of the loan is subject to change. The ARM disclosure that I have
been given fully describes the features of the ARM program that I have chosen.
ARM Program Type: Conv Conf 30 Yr
Index:
Margin: 0.000 %
148597489
Rate Lock Agreement
VMP VMP1077 (1002).00
Wolters Kluwer Financial Services 2010 Page 1 of 2
Lock Expiration Date
This rate lock agreement expires on . If this mortgage loan does not close and
fund within the lock-in period, the lender is no longer obligated to the terms of this agreement.
X FLOAT OPTION
At this time, I have decided NOT to lock in my interest rate. I understand that it is my responsibility to contact the lender to obtain
current information about rates and fees and to notify the lender when I am ready to lock in my interest rate. Further, I understand
that I must lock my interest rate at least 7 days prior to settlement/closing.
I understand that this agreement is neither a commitment to lend, nor an approval of my loan application. If any information that I
have given in my loan application is incorrect or unverifiable OR if the terms of my application materially change, this agreement is
subject to change. Lender will make every effort to process and fund my loan application prior to the expiration date in this
agreement. However, if the loan does not fund in time to meet the expiration date, this agreement may be subject to change. By
signing below, I am indicating my choice to either lock in the interest rate and terms as indicated or to let my interest rate float
until a later date I specify.
Borrower
Date Date
Date Date
Lender
Maureen C Zucks Date

327512
June 3, 2015
Refer to the attached Signature Addendum for additional parties and signatures.
Name of Originator
United First Mortgage
148597489 0091384792
Rate Lock Agreement
VMP VMP1077 (1002).00
Truth-in-Lending Disclosure Statement
Loan Number
907 Pleasant Valley Av Ste 3 0091384792
X Preliminary
Final
Property Address: 1660 Willow Oak Ln
Sanford, FL 32773
ANNUAL PERCENTAGE FINANCE CHARGE Amount Financed Total of Payments
RATE The dollar amount the credit will The amount of credit provided The amount you will have
The cost of your credit as a cost you. to you or on your behalf. paid after you have made all
yearly rate. payments as scheduled.
4.509 %e $ 128,176.83 e $ 155,182.77 e $ 283,359.60 e
INTEREST RATE AND PAYMENT SUMMARY

Rate & Monthly Payment
Interest Rate 4.250 % e
Principal + Interest Payment $ 787.11 e
Estimated Taxes + Insurance (Escrow) $ 236.67 e
Includes Private Mortgage Insurance
Includes Mortgage Insurance
Total Estimated Monthly Payment $ 1,023.78 e
Final Balloon Payment due :$ e
Demand Feature. This obligation has a demand feature.

This loan is payable on demand and all disclosures are based on an assumed maturity of one year.
No Guarantee to Refinance. There is no guarantee that you will be able to refinance to lower your rate and payments.
Security. You are giving a security interest in:

the goods or property being purchased.
X (brief description of other property) 1660 Willow Oak Ln, Sanford, FL 32773
.
collateral securing other loans with us.
Assumption. Someone buying this property

X cannot assume the remainder of the mortgage on the original terms.
may assume, subject to conditions, the remainder of the mortgage on the original terms.
Filing/Recording Fees. $ 1,060.00 e
Property Insurance. Property insurance may be obtained from anyone that is acceptable to Lender. If property insurance is
obtained from or through Lender, the cost is $ for a term of coverage.
e means estimate
148597491
Truth in Lending Disclosure-Fixed Rate
VMP VMP703A (1101).00
Wolters Kluwer Financial Services 2010, 2011 Page 1 of 2
X Late Charges. If your payment is more than 15 days late, a late charge will be assessed as follows:
The greater of 5.0% of the installment due or $1.00
Prepayment. If you pay off your loan early, you

may X will not have to pay a penalty.
X may will not be entitled to a refund of part of the finance charge.
Required Deposit. The Annual Percentage Rate does not take into account your required deposit.
See your contract documents for any additional information about non-payment, default, any required repayment in full before the
scheduled date, and prepayment refunds and penalties.
You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.
e means estimate
Borrower
Carissa A Baker Date Date
Date Date
148597491 0091384792
Truth in Lending Disclosure-Fixed Rate
VMP VMP703A (1101).00
0091384792
ITEMIZATION OF AMOUNT FINANCED
Borrower(s): Carissa A Baker

Property Address: 1660 Willow Oak Ln, Sanford, FL 32773
Lender: Freedom Mortgage Corporation

Date Prepared: June 3, 2015 Loan Number: 0091384792
Loan Amount: $160,000.00
Amount Financed: $155,182.77
Itemization of the Prepaid Finance Charges:

Discount Point Freedom Mortgage Corporation 3,432.00
Settlement or Closing 1,290.78
Per Diem Interest Freedom Mortgage Corporation 94.45
Total $4,817.23
148597494
OMB Approval No. 2502-0265
Good Faith Estimate (GFE)
Name of Originator Borrower Carissa A Baker

United First Mortgage
Originator 217 N Westmonte Dr Suite 2006

Address
Altamonte Springs FL 32714 Property 1660 Willow Oak Lane
Address Sanford FL 32773
Originator Phone Number (407)-862-5055
Originator Email Maureen627@aol.com Date of GFE 05/26/2015 00:00:00
Purpose This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more
information, see HUD's Special Information Booklet on settlement charges, your Truth-in-Lending Disclosures,
and other consumer information at www.hud.gov/respa. If you decide you would like to proceed with this loan, contact us.
Shopping for Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find the best loan.
your loan Use the shopping chart on page 3 to compare all the offers you receive.
Important 1. The interest rate for this GFE is available through June 3, 2015 . After this time, the interest
dates rate, some of your loan Origination Charges, and the monthly payment shown below can change until you lock your
interest rate.
2. This estimate for all other settlement charges is available through 06/11/15 .
3. After you lock your interest rate, you must go to settlement within N/A days (your rate lock period) to receive the
locked interest rate.
4. You must lock the interest rate at least 7 days before settlement.
Summary of Your initial loan amount is $ 160,000.00

your loan Your loan term is 30 years
Your initial interest rate is 4.250 %
Your initial monthly amount owed for principal,
interest, and any mortgage insurance is $ 787.10 per month
Can your interest rate rise? X No Yes, it can rise to a maximum of %.
The first change will be in .
Even if you make payments on time, can your X No Yes, it can rise to a maximum of
loan balance rise? $ .
Even if you make payments on time, can your X No Yes, the first increase can be in and
monthly amount owed for principal, interest, and the monthly amount owed can rise to
any mortgage insurance rise? $ . The maximum it can ever
rise to is $ .
Does your loan have a prepayment penalty? X No Yes, your maximum prepayment penalty is
$ .
Does your loan have a balloon payment? X No Yes, you have a balloon payment of
$ due in years.
Escrow Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in
account addition to your monthly amount owed of $ 787.10 .
information Do we require you to have an escrow account for your loan?
No, you do not have an escrow account. You must pay these charges directly when due.
X Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
Summary A Your Adjusted Origination Charges (See page 2.) $ 0.00

of your
settlement B Your Charges for All Other Settlement Services (See page 2.) $ 5,037.07
charges
A B Total Estimated Settlement Charges $ 5,037.07
148597496 0091384792 06/03/2015 16:29:57

Good Faith Estimate (HUD-GFE) 11/17/08
VMP
Wolters Kluwer Financial Services Page 1 of 3 VMP116F (1003).02
Understanding Your Adjusted Origination Charges
your estimated
1. Our origination charge
settlement
This charge is for getting this loan for you. 4,400.00
charges
2. Your credit or charge (points) for the specific interest rate chosen
The credit or charge for the interest rate of % is included in "Our
origination charge." (See item 1 above.)
X You receive a credit of $ 4,400.00 for this interest rate of 4.250 %.
This credit reduces your settlement charges.
You pay a charge of $ for this interest rate of %.
This charge (points) increases your total settlement charges.
The tradeoff table on page 3 shows that you can change your total settlement charges by
choosing a different interest rate for this loan. -4,400.00
A Your Adjusted Origination Charges $ 0.00
Your Charges for All Other Settlement Services

Some of these 3. Required services that we select
charges can These charges are for services we require to complete your settlement.
change at We will choose the providers of these services.
settlement. See Service Charge Service Charge
the top of page 3 Appraisal 425.00
for more Credit Report 14.02 Tax Related Service 85.00
information. Flood Determination 18.00
542.02
4. Title services and lender's title insurance
This charge includes the services of a title or settlement agent, for example, and title
insurance to protect the lender, if required. 1,290.78
5. Owner's title insurance
You may purchase an owner's title insurance policy to protect your interest in the property. 0.00
6. Required services that you can shop for
These charges are for other services that are required to complete your settlement. We can
identify providers of these services or you can shop for them yourself. Our estimates for
providing these services are below.
Service Charge Service Charge
0.00
7. Government recording charges
These charges are for state and local fees to record your loan and title documents. 180.00
8. Transfer taxes
These charges are for state and local fees on mortgages and home sales. 880.00
9. Initial deposit for your escrow account
This charge is held in an escrow account to pay future recurring charges on your property
and includes all property taxes, all insurance, and other
. 2,051.12
10. Daily interest charges
This charge is for the daily interest on your loan from the day of your settlement until the
first day of the next month or the first day of your normal mortgage payment cycle. This
amount is $ 18.63 per day for 5 days (if your settlement is 06/26/15 ). 93.15
11. Homeowner's insurance
This charge is for the insurance you must buy for the property to protect from a loss, such
as fire.
Policy Charge Policy Charge
0.00
B Your Charges for All Other Settlement Services $ 5,037.07
A B Total Estimated Settlement Charges $ 5,037.07
148597496 0091384792 06/03/2015 16:29:57

VMP
Instructions This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs.
Compare the charges on the HUD-1 with the charges on this GFE. Charges can change if you select your own provider and do not use
the companies we identify. (See below for details.)
Understanding These charges The total of these charges These charges
cannot increase can increase up to 10% can change
which charges at settlement: at settlement: at settlement:
can change at
settlement . Our origination charge . Required services that we select . Required services that you can shop for
. . (if you do not use companies we
Your credit or charge (points) for the Title services and lender's title
identify)
specific interest rate chosen (after you insurance (if we select them or you
lock in your interest rate) use companies we identify) . Title services and lender's title
. . insurance (if you do not use
Your adjusted origination charges (after Owner's title insurance (if you use
companies we identify)
you lock in your interest rate) companies we identify)
. Transfer taxes . Required services that you can shop
. Owner's title insurance (if you do not
use companies we identify)
for (if you use companies we
identify) . Initial deposit for your escrow account
. Government recording charges . Daily interest charges
. Homeowner's insurance
Using the In this GFE, we offered you this loan with a particular interest rate and estimated settlement charges. However:
tradeoff table . If you want to choose this same loan with lower settlement charges, then you will have a higher interest rate.
. If you want to choose this same loan with a lower interest rate, then you will have higher settlement charges.
If you would like to choose an available option, you must ask us for a new GFE.
Loan originators have the option to complete this table. Please ask for additional information if the table is not completed.
The same loan with The same loan with a

The loan in this GFE lower settlement charges lower interest rate
Your initial loan amount $ 160,000.00 $ $

Your initial interest rate 1 4.250 % % %
Your initial monthly amount
owed $ 787.10 $ $
Change in the monthly No change You will pay $ You will pay $
amount owed from this GFE more every month less every month
Change in the amount you will pay No change Your settlement charges Your settlement charges
at settlement with this interest rate will be reduced by will increase by
$ $
How much your total estimated
settlement charges will be $ 5,037.07 $ $
1
For an adjustable rate loan, the comparisons above are for the initial interest rate before adjustments are made.
Using the Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column for each GFE you
shopping chart receive. By comparing loan offers, you can shop for the best loan.
This loan Loan 2 Loan 3 Loan 4
Loan originator name
Initial loan amount $

Loan term years
Initial interest rate %

Initial monthly amount owed $
Rate lock period
Can interest rate rise?
Can loan balance rise?
Can monthly amount owed rise?
Prepayment penalty?
Balloon payment?
Total Estimated Settlement
Charges $
If your loan is Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or the
sold in the future charges you paid at settlement.
148597496 0091384792 06/03/2015 16:29:57

VMP
THIRD PARTY PROVIDERS 0091384792
REFERRAL LIST
The following providers are listed as a referral and not a recommendation or endorsement. We do not represent or
warrant the services performed by these providers.
The following services may be required to process your loan application. You may choose your own provider. If
you do not choose your own provider, we will use the provider referred below. We encourage you to shop for a
service provider and compare the costs. If you choose your own provider, the provider you select will be subject to
approval by us. The amounts listed for the services are estimates only based on the information you provided on the
application. You will receive a new Good Faith Estimate, if the amount charged by the provider increases, with an
explanation for the increase.
The following is a list of national settlement service providers, some of whom may or may not be licensed to
conduct business in the state/locality where your mortgaged property is located. Please contact us or the provider if
you wish to determine if it is authorized to do business in your state/locality. We only permit properly licensed
businesses to be employed in connection with any settlement services being provided in connection with your
mortgage loan.
Settlement or Closing
Centurion Title Group (407)862-5055
148597496 06/03/2015 16:29:57
11-2013 Cust-tpaddum
0091384792
rev. 06/014
FREEDOM MORTGAGE CORPORATION

PRIVACY NOTICE
FACTS WHAT DOES FREEDOM MORTGAGE DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share
and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of information we collect and share depend on the product or service you have with us. This
information can include:
. Social security number and income

. Account balance and payment history
. Credit history and credit score
How? When you are no longer our customer, we will continue to share your information as described in this
notice. All financial companies need to share customers’personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their customers’
personal information; the reasons Freedom Mortgage chooses to share; and whether you can limit this
sharing.
Reasons we can share your personal information Does Freedom Can you limit this
Mortgage share? sharing?
For our everyday business purpose Yes No

Such as to process your loan application, service your loan, report to
credit reporting agencies and respond to court orders and legal
investigations
For our marketing purposes Yes No
To offer our products and services to you
For joint marketing with other financial companies Yes No
For our affiliate’s everyday business purposes Yes No
Information about your transactions and experiences
For our affiliate’s everyday business purposes Yes Yes
Information about your creditworthiness
For our affiliate to market you Yes Yes
For nonaffiliates to market to you No We don’t share
To limit our . Call 1-866-699-4496

sharing . Visit us online at www.freedommortgage.com
. Detach, complete and mail in the Opt-Out Form on this Privacy Notice
Please note: If you are a new customer, we can begin sharing your information 30 days from
the date we sent this notice. When you are no longer our customer, we continue to share your
information as described in this notice. However, you can contact us at any time to limit our
sharing.
Questions? Call 1-866-699-4496 or email us at: marketing.department@freedommortgage.com
What we do
Cust-privnt (06-2014) Page 1 of 3
148597499
0091384792
How does Freedom Mortgage To protect your information from unauthorized access and use, we use
protect my personal information? security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings. For more
information, visit www.freedommortgage.com
How does Freedom Mortgage collect We collect your personal information when you apply for a loan,
my personal information? including information about your income, employment, current mortgage,
if any, and your contact information, and you show us your government-
issued ID. We also collect your personal information from others, such
as credit bureaus, affiliates and other companies
Why can’t I limit all sharing? Federal law gives you the right to limit only:
· sharing for affiliates’eve ryday business purposes-information about
your creditworthiness
· affiliates from using your information to market to you
· sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to
limit sharing. (See below for more on your rights under state law.)
Definitions
Affiliates Companies related by common ownership or control. They can be

financial or non-financial companies. Our affiliates include Madison
Credit Management Services, LLC and East Coast Abstract.
Nonaffiliates Companies not related by common ownership or control. They can be

financial or non-financial companies. Nonaffiliates we share with can
include insurance companies, direct marketing companies and nonprofit
organizations.
Joint Marketing A formal agreement between nonaffiliated companies that together

market financial services to you. Our joint marketing partners include
financial services companies.
Other important information:
Nevada Residents -Nevada Statute Section 228.600(3) allows marketing calls to our existing customers listed on
the National Do Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our
Internal Do Not Call list by detaching, completing and mailing us the Opt-Out form on this Privacy Notice to
Freedom Mortgage Corporation, 907 Pleasant Valley Avenue, Suite 3 Mt. Laurel, NJ 08054, Attn: Privacy Dept.
For more information contact us at the address above or e-mail us at
marketing.department@freedommortgage.com and include "Nevada Annual Privacy Notice" in the subject line.
You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection Office of the Nevada
Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, Phone: (702) 486-3132, Email:
BCPINFO@ag.state.nv.us
Vermont Residents - We will not share information we collect about you with companies other than our corporate
affiliate unless the law allows. We will not share information about your creditworthiness with our corporate affiliate
148597499
0091384792
except with your consent, but we may share information about our transactions or experiences with you with our
corporate affiliate without your consent.
California Residents –We will not share information we collect about you with companies other than our
corporate affiliate unless the law allows. California residents are provided a separate notice with additional choices
as required by California law.
Important Notice About Credit Reporting: We report information about you to consumer reporting agencies.
Late payments, missed payments or other defaults on your account may be reflected on your credit report.
# ____________________________________________________________________________________________________
Mail-in Form
Mark any/all you want to limit

• Do not share information about my creditworthiness with your affiliates for their everyday business
purposes.
• Do not allow your affiliates to use my personal information to market to me.
• Do not share my personal information with nonaffiliates to market their goods and services to me.
What happens when I Your choice will apply individually unless you tell us otherwise by checking the box
limit sharing for any below. Any account holder may express a privacy preference on behalf of the other
account I hold jointly joint account holders.
with someone else?
• Apply opt out choices to all account holders.
Name
Address Mail To:

907 Pleasant Valley Ave, Suite 3
City, State, Zip
Attn: Privacy/Information Sharing Opt-Out
Account #
148597499
The Housing Financial Discrimination Act of 1977
Fair Lending Notice
Property Address Lender
1660 Willow Oak Ln Freedom Mortgage Corporation
Sanford, FL 32773 907 Pleasant Valley Av Ste 3
Loan Number Date

0091384792 June 3, 2015
It is illegal to discriminate in the provision of or availability of financial assistance because of the consideration of:
1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation,
unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an
unsafe an unsound business practice; or
2. Race, color, religion, sex, marital status, domestic partnership, national origin or ancestry.
It is illegal to consider the ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a
housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising
a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction rehabilitation or refinancing of one-to
four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family
residence.
If you have any question about your rights, or if you wish to file a complaint, contact the management of this financial institution or
Federal Trade Commission

Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
ACKNOWLEDGMENT OF RECEIPT
I/We received a copy of this notice.
_______________________________________________ _____________________________________________
Carissa A Baker
_______________________________________________ _____________________________________________
148597501
Fair Lending Notice 08/10 Page 1 of 1

EQUAL CREDIT OPPORTUNITY ACT NOTICE
Date: June 3, 2015

Loan Number: 0091384792
Borrowers: Carissa A Baker

Sanford, FL 32773
You are hereby provided the following “Equal Credit Opportunity Act”notice as required under section 202.4 (d), 12 C.F.R. of “The Federal
Equal Credit Opportunity Act”w hich prohibits creditors from discriminating against credit applicants on the basis of race, color, religion/creed,
national origin, sex, marital status, age (provided that applicant has the capacity to enter into a binding contract), sexual orientation or military
status, disability or familial status; because all or part of applicant's income derives from any public assistance programs; or because the applicant
has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law
concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.
I (we) acknowledge receipt of items, notices and/or warnings listed or contained herein
1. The Special Information Booklet required by the Real Estate Settlement Procedures Act.
2. The Good Faith Estimate of Settlement Services required by the Real Estate Settlement Procedures Act.
3. If for any reason the loan I/we have applied for does not close, I/we agree to reimburse the lender for any and all costs incurred to
process my/our application including but not limited to appraisal, survey, title insurance, and condominium document review (if
applicable).
4. Notice: You may apply for the loan in your own name or you may wish your spouse (if any) to be the co-applicant. There is no
requirement for your spouse (if any) to apply or otherwise become obligated to repay the debt to the extent that your spouse's income
and/or assets are necessary to qualify you for the loan.
5. Warning: Information about any co-applicant need not be revealed unless the co-applicant will be contractually liable in the debt to the
extent that your spouse's income and/or assets are necessary to qualify you for the loan.
6. Warning: Income from alimony, child support or maintenance, need not be revealed by any person, unless the applicant(s) choose to
disclose same. Neither is any person required to designate a title such as Mr., Mrs., Ms., or Miss.
7. Notice: In connection with this credit application, a consumer report will be requested. A subsequent consumer report will be required
in connection with an update renewal or extension of the credit for which that application is made.
8. Notice: Public Law 93-579, entitled the Privacy Act of 1974, requires that all applicant(s) be informed of the purposes and uses to be
made of the information which is solicited. To explain the reason why the information is requested and the general use to which that
information may be put, the following is being furnished:
Purpose: The information requested in the loan application is considered relevant and necessary to determine your credit
worthiness for the loan applied.
Use: The information will be used in evaluating your loan application.
Effects of Non-Disclosure: Disclosure of the requested information is voluntary. No penalty can be suffered for failure to respond. However, the
decision as to loan approval you are requesting must then be made based on the information supplied. This may result in a delay in the processing
of your application or subsequent denial of credit.
I (we) agree to the following:
(a) To bear the cost of applicable credit reports and FHA/VA & Conventional Appraisal fee, and Application fee.
(b) (If this application is for a Conventional Loan and is approved) to pay the private mortgage insurance premiums where required.
(c) (If this application is for VA Loan and is approved) to accept the highest interest rate authorized by the VA on the date of closing.
(d) The undersigned applies for the loan to be secured by a first mortgage on the property described above, and represents that the
property will not be used for any illegal or restricted purpose and that all statements made in the loan application are true and are made for the
purpose of obtaining the loan. Verification may be obtained from any source believed to be appropriate.
The original or a copy of said application will be retained by the Lender, even if the loan is not granted.
It is agreed said application does not obligate our company to extend any financing to the undersigned. We fully understand that it is a federal
crime punishable by fine, imprisonment, or both, to knowingly make any false statements covering any facts submitted in connection with said
application as applicable under the provisions of Title 18, United States Code Section 1010. The undersigned applicant(s) hereby acknowledge
this Notice.
___________________________________________________ _____________________________________________________
Carissa A Baker
___________________________________________________ _____________________________________________________
148597502
Equal Credit Opportunity Act Notice 10/07 Page 1 of 1

Flood Insurance Coverage Disclosure
0091384792

Sanford, FL 32773
We may assign, sell, or transfer the servicing of your mortgage loan. Your new lender/servicer may require more flood
insurance coverage than the minimum amount that has been identified in your Notice of Special Flood Hazards (NSFH).
The new lender/servicer may require coverage in an amount greater than the minimum, and has the right to require flood
coverage at least equal to 100% of the insurable value (also known as replacement cost value) of the building(s) used as
collateral to secure the loan or the maximum available under the National Flood Insurance Program (NFIP) for the particular
type of building.
You should review your exposure to flood damage with your insurance provider, as you may wish to increase your coverage
above the minimum amount required at the time of closing your loan versus what subsequently the new lender/servicer may
require.
By signing below, you acknowledge you have read the above disclosure.
Borrower
Date Date
Date Date
148597504
Flood Insurance Coverage Disclosure
VMP Bankers Systems VMP1533 (1111).00
DISCLOSURE NOTICES
Applicant(s) Property Address
Carissa A Baker 1660 Willow Oak Ln

Sanford, FL 32773
AFFIDAVIT OF OCCUPANCY
The Applicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy status will be as follows:
X Primary Residence - Occupied by Applicant(s) within 60 days of closing.
Secondary Residence - A secondary residence is a single family property that either is currently or will be occupied by at least one of the
Borrowers in addition to their primary residence. It will not be income producing.
O
C Investment Property - Not owner occupied. Purchased as an investment to be held or rented.
C The Applicant(s) acknowledge it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning this loan
U application as applicable under the provisions of Title 18, United States Code, Section 1014.
P
A APPLICANT APPLICANT
N Carissa A Baker
C
Y
APPLICANT APPLICANT
FAIR CREDIT REPORTING ACT

An investigation will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any investigation will be
F furnished to you upon written request made within a reasonable period of time. In the event of denied credit due to an unfavorable consumer report, you will
C be advised of the identity of the Consumer Reporting Agency making such report and of right to request within sixty (60) days the reason for the adverse
R action, pursuant to provisions of Section 615(b) of the Fair Credit Reporting Act. You have the right under the Fair Credit Reporting Act to know the
A information contained in your credit file at the consumer reporting agency if an adverse action is taken on your loan application. Under Section 612 of the Fair
Credit Reporting Act you have the right to obtain within 60 days of an adverse action a free copy of the report from the consumer reporting agency. You also
have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency.
EQUAL CREDIT OPPORTUNITY ACT

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on a basis of race, color, religion, national origin, sex, marital
E status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any
public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that
C administers compliance with this law concerning this creditor is:
O
A
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
FHA LOANS ONLY
IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST CHARGES UNTIL THE END OF
L THAT MONTH.
O GOVERNMENT LOANS ONLY
A RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of
N Housing and Urban Development or Department of Veterans Affairs has a right of access to financial records held by a financial institution in connection with
S the consideration of administration of assistance to you. Financial records involving your transaction will be available to the Department of Housing and Urban
Development or Department of Veterans Affairs without further notice or authorization but will not be disclosed or released to another Government agency or
Department without your consent except as required or permitted by law.
INCOME / EMPLOYMENT
E An approval for a loan is based upon employment, income and obligations as shown on the loan application. Income which you receive as alimony, child
M support or separate maintenance need not be disclosed to this creditor unless you choose to rely on such sources to qualify for the loan. Income from these
P and other sources, including part-time or temporary employment, will not be discounted by this lender because of your sex or marital status. However, we will
L consider very carefully the stability and probable continuity of any income you disclose to us. At closing, the applicant and co-applicant/spouse, if applicable,
O are required to execute a sworn statement affirming that they are currently working as previously reported, have not received notice of layoff nor have
Y knowledge of pending layoff, and that outstanding obligations are substantially the same as reported on the application. Should a change occur in your
employment or financial status prior to loan closing, immediately notify your loan officer, as it will be necessary to obtain approval of any changes.
X ANTI-COERCION STATEMENT
The lender may not require the applicant to take insurance through any particular insurance agent or company to protect the mortgaged property. The
applicant has the right to have the insurance placed with an insurance agent or company of his choice, provided the company meets the requirements of the
lender. The lender has the right to designate reasonable financial requirements as to the company and the adequacy of the coverage.
I
N I have read the foregoing statement and understand my rights and privileges and those of the lender relative to the placing of such insurance.
S
U I have selected the following agencies to write the insurance covering the property described above:
R
A
N
C Insurance Company Name Agent
E
S Agent's Address Agent's Telephone Number
T
A
T INSURANCE LOSS PAYABLE CLAUSE
E
M Please notify your insurance agent that your hazard insurance and if applicable, your flood insurance, should include a standard mortgagee and/or loss payable
E clause in favor of the lender.
N The lender should be named as follows:
T Freedom Mortgage Corporation
c/o Freedom Mortgage Corporation ISAOA/ATIMA
PO Box 100562
Florence, SC 29502-0562
N I/We hereby certify that I/we have read and understand these notices. In addition to these notices, I/we the applicant(s) certify that I/we have received the
O "Settlement Cost Booklet" and the "Consumer Handbook on Adjustable Rate Mortgages" (CHARM booklet), if applicable.
T
I
F
I APPLICANT Carissa A Baker DATE APPLICANT DATE
C
A
T
I
O APPLICANT DATE APPLICANT DATE
N
148597505 0091384792
Wolters Kluwer Financial Services

VMP -550 (0709) 9/07
Lender: Freedom Mortgage Corporation
USA PATRIOT ACT DISCLOSURE

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for
you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us
to identify you. We may also ask to see your drivers license or other identifying documents.
If marked, we request a legible copy of a current (non-expired) government-issued document bearing a

photograph of the named individual at the time of application.
REQUIREMENTS AT CLOSING:
At the time of signing your closing documents all applicants will be required to present at least two (2) forms of identifying
documents for review; at least one (1) of the identifying documents must be a current (non-expired) government-issued
document bearing a photograph of the named individual. Other identifying documents not specifically listed below must, at a
minimum, bear the individual name.
Examples of other acceptable identifying documents include:

Current government-issued visa; Medicare card; student identification card; voter registration card; recent property tax or
utility bill; most recent W-2 or signed federal or state tax returns; bank statements; and proof of car/house/renters insurance
coverage.
Please contact the above-named Lender if you have any questions regarding the acceptability of any identifying
document.
148597506 0091384792
PATRIOT ACT DISCLOSURE Cust- patact1 (rev. 10/10)

Housing Counseling Agencies Notice
Lender/Creditor Applicant/Consumer Date
907 Pleasant Valley Av Ste 3 Application or Loan Number

Mount Laurel, NJ 08054 0091384792
10 Closest Results
to Zip Code
32773
"We" means Lender/Creditor. "You" means Applicant/Consumer.
Sanford, FL 32773
Housing Counselors Near You
The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development ("HUD"), and
they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and
circumstances, often at little or no cost to you. This list shows you several approved agencies in your area. You can find other
approved counseling agencies at the Consumer Financial Protection Bureau's ("CFPB") website:
consumerfinance.gov/mortgagehelp or by calling 1-855-411-CFPB (2372). You can also access a list of nationwide
HUD-approved counseling intermediaries at http://portal.hud.gov/hudportal/HUD?src= /ohc_nint.
The list of approved counseling agencies was updated 06/03/2015
1. Florida Cooperative Extension - Seminole County Extension Service

250 West County Home Road Distance
Sanford, FL 32773-6189 2.0 miles
Website: Not available
Phone: 407-665-5556
Email Address: Not available
Languages: English
Services: Mortgage Delinquency and Default Resolution Counse, Financial
Management/Budget Counseling, Home Improvement and Rehabilitation
Counseling, Non-Delinquency Post Purchase Workshops, Pre-purchase
Counseling, Pre-purchase Homebuyer Education Workshops, Rental Housing
Counseling
2. Community Legal Services of Mid-Florida, Inc. - Sanford Office

315 Magnolia Avenue Distance
Website: http://www.clsmf.org
Phone: 386-506-5384
Email Address: housingcounseling@clsmf.org
Languages: English, Spanish
Services: Mortgage Delinquency and Default Resolution Counse, Resolving/Preventing
Mortgage Delinquency Workshop, Fair Housing Pre-Purchase Education
Workshops, Predatory Lending Education Workshops, Rental Housing Counseling
148597507
Bankers Systems VMP VMP996C (1311).00
3. Golden Rule Housing and Community Development Corporation, Inc.
417 E 2nd St Distance
Website: http://www.Goldenrulehousing.org
Phone: 407-878-3759
Email Address: cynthia.goldenrule@gmail.com
Services: Mortgage Delinquency and Default Resolution Counse, Pre-purchase Counseling,
Pre-purchase Homebuyer Education Workshops, Rental Housing Counseling
4. Springboard - Lake Mary

801 International Parkway Distance
Lake Mary, FL 32746-4762 6.0 miles
Website: http://homeownership.org
Phone: 800-947-3752
Email Address: info@homeownership.org
Languages: English
Services: Mortgage Delinquency and Default Resolution Counse, Pre-purchase Counseling,
Reverse Mortgage Counseling
5. H.E.L.P. Community Development Corp.

63 E Kennedy Blvd Distance
Eatonville, FL 32751-5345 11.0 miles
Website: http://www.helpcdc.org
Phone: 407-628-4832
Languages: Creole, English, Spanish
Management/Budget Counseling, Pre-purchase Counseling, Pre-purchase
Homebuyer Education Workshops
6. Center for Independent Living in Central Florida, Inc.

720 N Denning Dr Distance
Winter Park, FL 32789-3020 11.0 miles
Website: http://cilorlando.org
Phone: 407-623-1070
Email Address: info@cilorlando.org
Languages: ASL, English, Portuguese, Spanish
Management/Budget Counseling, Fair Housing Pre-Purchase Education Workshops,
Home Improvement and Rehabilitation Counseling, Services for Homeless
Counseling, Non-Delinquency Post Purchase Workshops, Predatory Lending
Education Workshops, Pre-purchase Counseling, Pre-purchase Homebuyer
148597507
7. Consumer Debt Counselors, Inc
831 W. Morse Blvd Distance
Winter Park, FL 32789-3708 11.0 miles
Website: http://www.consumerdebtcounselors.com
Phone: 407-599-0057-209
Email Address: george@consumerdebtcounselors.com
Mortgage Delinquency Workshop, Financial Management/Budget Counseling, Fair
Housing Pre-Purchase Education Workshops, Services for Homeless Counseling,
Non-Delinquency Post Purchase Workshops, Predatory Lending Education
Workshops, Pre-purchase Counseling, Pre-purchase Homebuyer Education
8. Cccs of Greater Atlanta - Dba Clearpoint Credit Counseling Solutions - Orlando Branch
3191 Maguire Blvd Distance
Orlando, FL 32803-3789 13.0 miles
Website: http://www.clearpointccs.org
Phone: 877-877-1995
Email Address: customer.service@clearpointccs.org
Mortgage Delinquency Workshop, Financial Management/Budget Counseling,
Financial, Budgeting and Credit Repair Workshops, Services for Homeless
Counseling, Pre-purchase Counseling, Pre-purchase Homebuyer Education
Workshops, Rental Housing Counseling
9. Community Legal Services of Mid-Florida, Inc. - Orlando Office

122 E. Colonial Drive, Suite 200 Distance
Orlando, FL 32801-1219 14.0 miles
Website: http://www.clsmf.org
Phone: 386-506-5384
Email Address: housingcounseling@clsmf.org
Mortgage Delinquency Workshop, Fair Housing Pre-Purchase Education
Workshops, Predatory Lending Education Workshops, Rental Housing Counseling
10. Homes in Partnership, Inc.

235 E. 5th Street Distance
Apopka, FL 32703-5315 15.0 miles
Website: http://homesip.org
Phone: 407-886-2451
Services: Financial Management/Budget Counseling, Fair Housing Pre-Purchase Education
Workshops, Non-Delinquency Post Purchase Workshops, Predatory Lending
Education Workshops, Pre-purchase Counseling, Pre-purchase Homebuyer
Education Workshops, Rental Housing Counseling

Right to Receive a Copy of Appraisal Report
Creditor Applicant Date
907 Pleasant Valley Av Ste 3 Application or Loan Number

Mount Laurel, NJ 08054 0091384792

Sanford, FL 32773
"You" means Applicant; and "We" means Creditor.
Right to Receive Copy
We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give you a copy
of any appraisal, even if your loan does not close.
You can pay for an additional appraisal for your own use at your own cost.
Acknowledgment
By signing below, you acknowledge that you have received this Disclosure.
Applicant
Date Date
Date Date
148597509
Appraisal Report Disclosure
VMP Bankers Systems VMP122 (1307).00

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0091384792

1660 Willow Oak LN

RE: Mortgage Application for: Carissa A Baker

The mortgage loan application from

X If this box is checked, your initial Truth in Lending Disclosure Statement is

If you have any questions, please contact yourmortgage representative.

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO

Servicing Transfer Information

By signing below, I/we acknowledge receiving a copy of this disclosure.

Applicant Date Applicant Date

Applicant Date Applicant Date

THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE

Provider and Settlement Service Charge or Range of Charges

Provider and Settlement Service Charge or Range of Charges

Borrower Date Borrower Date

Borrower Date Borrower Date

Rev. 01/2014 Cust - AffBusDc

PART I - General Information

3. Date 4. Loan Number

PART II - Borrower Authorization

-23B (0508) VMP Mortgage Solutions, Inc. (800)521-7291 8/05

The undersigned certify the following:

Authorization to Release Information

(Borrower's Signature) Carissa A Baker (Date) (Borrower's Signature) (Date)

[x] Mortgage Service Banking Service

Background Check License Requirement

Credit Check Other

with the following company ("the Company"):

The name and address of the Company's Agent is:

Signature ________________________________________ Date Signed ____________________

Address 1660 Willow Oak LN

NOTICE TO NUMBER HOLDER

Interest Rate and Fees

Maureen C Zucks Date

INTEREST RATE AND PAYMENT SUMMARY

Final Balloon Payment due :$ e

Demand Feature. This obligation has a demand feature.

Security. You are giving a security interest in:

Assumption. Someone buying this property

Filing/Recording Fees. $ 1,060.00 e

Prepayment. If you pay off your loan early, you

Carissa A Baker Date Date

ITEMIZATION OF AMOUNT FINANCED

Borrower(s): Carissa A Baker

Lender: Freedom Mortgage Corporation

Loan Amount: $160,000.00

Amount Financed: $155,182.77

Itemization of the Prepaid Finance Charges:

Good Faith Estimate (GFE)

Name of Originator Borrower Carissa A Baker

Originator 217 N Westmonte Dr Suite 2006

Summary of Your initial loan amount is $ 160,000.00

Summary A Your Adjusted Origination Charges (See page 2.) $ 0.00

148597496 0091384792 06/03/2015 16:29:57

A Your Adjusted Origination Charges $ 0.00

Your Charges for All Other Settlement Services

B Your Charges for All Other Settlement Services $ 5,037.07

A B Total Estimated Settlement Charges $ 5,037.07

148597496 0091384792 06/03/2015 16:29:57

The same loan with The same loan with a

Your initial loan amount $ 160,000.00 $ $

Initial loan amount $

Initial interest rate %

Signature ____________________ Date Signed