Elizabeth-Marina-Salazar Campos Initial Disclosure 2021 02-10-6023bb5439a82

Uniform Residential Loan Application
This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower,"
as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower
(including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community
property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person
has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property
state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
Borrower Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage VA Conventional Other (explain): Agency Case Number Lender Case Number
Applied for: x FHA USDA/Rural
Housing Service 1281579208
Amount Interest Rate No. of Months Amortization Type: x Fixed Rate Other (explain):
$ 155,138.00 3.125 % 360 GPM ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address (street, city, state & ZIP) No. of Units
516 Swallum Dr, Storm Lake, Iowa 50588 1
Legal Description of Subject Property (attach description if necessary) Year Built
Purpose of Loan x Purchase Construction Other (explain): Property will be:

Refinance Construction-Permanent x Primary Residence Secondary Residence Investment
Complete this line if construction or construction-permanent loan.

Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a+b)
Acquired
$ $ $ $ $
Complete this line if this is a refinance loan.
Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be made
Acquired
$ $ Cost: $
Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:
Elizabeth Marina Salazar Campos Elizabeth Marina Salazar Campos X Fee Simple
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) Leasehold (show
expiration date)
Checking/Savings: $3,000.00, FHA-Gift-Source Relative: $2,000.00
Borrower III. BORROWER INFORMATION Co-Borrower

Borrower's Name (include Jr. or Sr. if applicable) Co-Borrower's Name (include Jr. or Sr. if applicable)
Elizabeth Marina Salazar Campos
Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School
733-75-2916 (712)299-2579 12/02/1980
Married x Unmarried (include single, Dependents (not listed by Co-Borrower) Married Unmarried (include single, Dependents (not listed by Borrower)
Separated divorced, widowed) no. ages Separated divorced, widowed) no. ages
Present Address (street, city, state, ZIP) Own x 15.3 No. Yrs. Present Address (street, city, state, ZIP)
Rent ______ Own Rent ______ No. Yrs.
503 D West 8th st, Storm Lake, IA 50588
Mailing Address, if different from Present Address Mailing Address, if different from Present Address
Fannie Mae Form 1003 6/09

Freddie Mac Form 65 6/09 Borrower: ______ Page 1
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs. Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs.
Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employer Self Employed Yrs. on this job
PSSI Packers Sanitation 7 yrs
Yrs. employed in this Yrs. employed in this
line of work/profession line of work/profession
Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)
supervisor
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)
Monthly Income Monthly Income

$ $
Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)
Monthly Income Monthly Income

$ $
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Combined Monthly
Monthly Income Borrower Co-Borrower Total Housing Expense Present Proposed
Base Empl. Income* $ 3,900.00 $ $ 3,900.00 Rent $ 410.00
Overtime 650.00 650.00 First Mortgage (P&I) $ 664.57
Bonuses Other Financing (P&I) 0.00
Commissions Hazard Insurance 145.83
Dividends/Interest Real Estate Taxes 290.83
Net Rental Income Mortgage Insurance 106.99
Other (before completing, see Homeowner Assn. Dues 0.00
the notice in "describe other
income," below) Other: 0.00
Total $ 4,550.00 $ $ 4,550.00 Total $ 410.00 $ 1,208.22

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
B/C Monthly Amount

VI. ASSETS AND LIABILITIES
This Statement and any appl icable support ing schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are
sufficiently joined so that 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 Jointly x Not Jointly
ASSETS Cash or Liabilities and Pledged Assets. List the creditor's name, address and account number for
Market Value all outstanding debts, including automobile loans, revolving charge accounts, real estate
loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary.
Description Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or
Cash deposit toward purchase held by: $ upon refinancing of the subject property.
Monthly Payment & Unpaid Balance

List checking and savings accounts below LIABILITIES Months Left to Pay
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 23,883.00
ALLY FINANCIAL 542.00
200 RENAISSANCE CTR, 45
DETROIT, MI 48243
Acct. no. $ 4,500.00 Acct. no. 227991374934

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 3,362.00
STATE BANK OF CHANDL 156.00
22
Acct. no. $ Acct. no. 3660309

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 951.00
ACIMA CREDIT FKA SIMPL 203.00
5

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 398.00
HAWKEYE ADJ 1.00
2300 PIERCE ST, SIOUX CITY, 398
IA 51104
Borrower: ______
Freddie Mac Form 65 6/09 Page 3
VI. ASSETS AND LIABILITIES (cont'd)
Stocks & Bonds (Company $ Name and address of Company $ Payment/Months $ 350.00
name/number & description)
HAWKEYE ADJ 1.00
2300 PIERCE ST, SIOUX CITY, IA 350
51104
Acct. no. 1218115

Life Insurance net cash value $ Name and address of Company $ Payment/Months $ 200.00
MEDICAL COLLECTION 1.00
200
Face amount: $
Subtotal Liquid Assets $ 4,500.00

Real estate owned (enter market value $
from schedule of real estate owned)
Vested interest in retirement fund $
Net worth of business(es) owned $

(attach financial statement) Acct. no. 1001729745
Automobiles owned (make and year) $ Alimony/Child Support/Separate $
Maintenance Payments Owed to:
Other Assets (itemize) $ Job-Related Expense (child care, union dues, etc.) $
Total Monthly Payments $ 1,054.00

Net Worth
Total Assets a. $ 4,500.00 $ -24,175.00 Total Liabilities b. $ 28,675.00
(a minus b)
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Insurance,
Property Address (enter S if sold, PS if pending Type of Present Amount of Gross Mortgage Net Rental
Maintenance,
sale or R if rental being held for income) Property Market Value Mortgages & Liens Rental Income Payments Income
Taxes & Misc.
$ $ $ $ $ $
Totals $ $ $ $ $ $
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name Creditor Name Account Number

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS
a. Purchase price
$ 158,000.00 If you answer "Yes" to any questions a through i, Borrower Co-Borrower
b. Alterations, improvements, repairs please use continuation sheet for explanation.
.00 Yes No Yes No
c. Land (if acquired separately) a. Are there any outstanding judgments against you? x
b. Have you been declared bankrupt within the past 7 years? x
d. Refinance (incl. debts to be paid off) c. Have you had property foreclosed upon or given title x
.00
or deed in lieu thereof in the last 7 years?
e. Estimated prepaid items d. Are you a party to a lawsuit? x
3,842.99
f. Estimated closing costs e. Have you directly or indirectly been obligated on any x
2,170.00
loan which resulted in foreclosure, transfer of title
g. PMI, MIP, Funding Fee in lieu of foreclosure, or judgment?
2,668.23
(This would include such loans as home mortgage loans, SBA loans,
h. Discount (if Borrower will pay) home improvemen t loans, educational loans, manufactured (mobile) home
2,482.21 loans, any mortgage, financial obligation, bond, or loan guarante e. If
i. Total costs (add items a through h) "Yes," provide details, including date, name and address of Lender, FHA
169,163.43 or VA case number, if any, and reasons for the action.)
j. Subordinate financing f. Are you presently delinquent or in default on any Federal debt or x
.00 any other loan, mortgage, financial obligati on, bond, or loan
guarantee?
k. Borrower's closing costs paid
by Seller .00 g. Are you obligated to pay alimony, child support, or separate x
maintenance?
l. Other Credits (explain)
SellerCredit 5,300.00 h. Is any part of the down payment borrowed? x
OTHER 2,030.00 i. Are you a co-maker or endorser on a note? x
EARNEST MONEY 500.00
j. Are you a U.S. citizen? x

m. Loan amount (exclude PMI, MIP,
152,470.00
Funding Fee financed) k. Are you a permanent resident alien? x
n. PMI, MIP, Funding Fee financed
l. Do you intend to occupy the property as your primary residence? x
2,668.00
If "Yes," complete question m below.
o. Loan amount (add m & n) m. Have you had an ownership interest in a property in the last three x
155,138.00 years?
p. Cash from/to Borrower (1) What type of property did you own - principal residence (PR),
(subtract j, k, l & o from i) 6,195.43 second home (SH), or investment property (IP)?
(2) How did you hold title to the home - by yourself (S),
jointly with your spouse (SP), or jointly with another person (O)?
IX. ACKNOWLEDGMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors
and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and
that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person
who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine
or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et. seq.; (2) the loan requested pursuant to this application (the "Loan") will
be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use;
(4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this
applicati on; (6) t he Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is
approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application,
and I am obligated to amend and/or 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; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to
any other rights and remedies that it may have relating to such delinquency, report my name and account information 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,
brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding 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 of this application containing a facsimile of my signature, shall be as
effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgment. Each of the undersigned hereby acknowledges that any owner of t he Loan, its servicers, successors and assigns, may verify or reverify any
information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a
source named in this application or a consumer reporting agency.
Borrower's Signature Date Co-Borrower's Signature Date
X X

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
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The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal
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credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides
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that a 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
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ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required
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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
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check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable
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state law for the particular type of loan applied for.)
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BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information
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Ethnicity: x Hispanic or Latino Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino
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Race: American Indian or Asian Black or African American Race: American Indian or Asian Black or African American
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Alaska Native Alaska Native
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Native Hawaiian or White Native Hawaiian or White
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Other Pacific Islander Other Pacific Islander
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Sex: x Female Male Sex: Female Male
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To be Completed by Loan Originator:
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This information was provided:
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In a face-to-face interview
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In a telephone interview
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By the applicant and was submitted by fax or mail
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x By the applicant and submitted via e-mail or the Internet
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Loan Originator's Signature Date FEBRUARY 8, 2021
X
Loan Originator's Name (print or type) Loan Originator Identifier Loan Originator's Phone Number (including area code)
Tayler Janssen 1596702 (515)971-8458
Loan Origination Company's Name Loan Origination Company Identifier Loan Origination Company's Address
FLANAGAN STATE BANK 408461 2747 University Ave, Waverly, Iowa 50702

CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Use this continuation sheet if you need Borrower: Agency Case Number:
more space to complete the Reside ntial
Loan Application. Mark B for Borrower
or C for Co-Borrower Co-Borrower: Lender Case Number:
1281579208
Additional Joint Liabilities

Name/Address Monthly Payment Months Left Unpaid Balance
SYNCB/JC PENNEYS $38.00 R $194.00
4125 WINDWARD PLAZA
ALPHARETTA GA 30005
Account Number: 600889244598
CREDIT ONE BANK NA $30.00 R $134.00
PO BOX 98875
LAS VEGAS NV 89193
COMENITYBANK/VICTORI $35.00 R $101.00
PO BOX 182789
COLUMBUS OH 43218
COMENITYBANK/VICTORIA $35.00 R $101.00
FIRST PREMIER BANK $26.00 R $26.00
601 S MINNESOTA AVE
SIOUX FALLS SD 57104
CAPITAL ONE BANK USA $24.00 R $24.00
PO BOX 85015
RICHMOND VA 23285
MEDICAL COLLECTION $1.00 1 $1.00
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above
facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.
Borrower's Signature Date Co-Borrower's Signature Date
X X

Demographic Information Addendum. This section asks about your ethnicity, sex, and race.
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of
communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for
their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair
housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You
may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not
discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the
information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the
basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status
information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Ethnicity: Check one or more Race: Check one or more

X Hispanic or Latino American Indian or Alaska Native - Print name of enrolled
Mexican Puerto Rican Cuban or principal tribe:
Other Hispanic or Latino - Print origin: Asian
Asian Indian Chinese Filipino
For example: Argentinean, Colombian, Dominican, Japanese Korean Vietnamese
Nicaraguan, Salvadoran, Spaniard, and so on. Other Asian - Print race:
Not Hispanic or Latino For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
I do not wish to provide this information Black or African American
Native Hawaiian or Other Pacific Islander
Sex Native Haw aiian Guamanian or Chamorro Samoan
X Female Other Pacific Islander - Print race:
Male
I do not wish to provide this information Examples: Fijian, Tongan, and so on.
White
I do not wish to provide this information
To Be Completed by Financial Institution (for application taken in person):
Was the ethnicity of the Borrower collected on the basis of visual observation or surname? O NO O YES
Was the sex of the Borrower collected on the basis of visual observation or surname? O NO O YES
Was the race of the Borrower collected on the basis of visual observation or surname? O NO O YES
The Demographic Information was provided through:
O Face-to-Face Interview (includes Electronic Media w/ Video Component) O Telephone Interview O Fax or Mail O
X Email or Internet
Borrower Name: Elizabeth Marina Salazar Campos

Uniform Residential Loan Application
Freddie Mac Form 65 Fannie Mae Form 1003
Revised 09/2017
Flanagan State Bank
2747 University Ave , Waverly , IA 50702 Save this Loan Estimate to compare with your Closing Disclosure.
Loan Estimate LOAN TERM 30 years

PURPOSE Purchase
DATE ISSUED 2/8/2021 PRODUCT Fixed Rate
APPLICANTS Elizabeth Marina Salazar Campos LOAN TYPE Conventional X FHA VA __________
503 D West 8th St LOAN ID # 1281579208
Storm Lake , IA 50588 RATE LOCK X NO YES, until
Before closing, your interest rate, points, and lender credits can
PROPERTY 516 Swallum Dr change unless you lock the interest rate. All other estimated
Storm Lake , IA 50588 closing costs expire on 2/20/2021 at 5:00 p.m. CST
SALE PRICE $158,000
Loan Terms Can this amount increase after closing?

Loan Amount $155,138 NO
Interest Rate 3.125% NO
Monthly Principal & Interest

See Projected Payments below for your $664.57 NO
Estimated Total Monthly Payment
Does the loan have these features?

Prepayment Penalty NO
Balloon Payment NO
Projected Payments
Payment Calculation Years 1 - 30
Principal & Interest $664.57
Mortgage Insurance + 107
Estimated Escrow + 437

Amount can increase over time
Estimated Total
Monthly Payment $1,209
This estimate includes In escrow?
Estimated Taxes, Insurance $437 X Property Taxes YES
& Assessments a month X Homeowner's Insurance YES
Other:
See Section G on page 2 for escrowed property costs. You must pay for other
property costs separately.
Costs at Closing
Estimated Closing Costs $11,162 Includes $7,220 in Loan Costs + $3,942 in Other Costs -$0
in Lender Credits. See page 2 for details.
Estimated Cash to Close $6,194 Includes Closing Costs See Calculating Cash to Close on page 2 for details.
Visit www.consumerfinance.gov/mortgage-estimate for general information and tools.

Page 1
Closing Cost Details
Loan Costs Other Costs
A. Origination Charges $2,482 E. Taxes and Other Government Fees $100
1.6% of Loan Amount (Points) $2,482 Recording Fees and Other Taxes $100
Transfer Taxes
F. Prepaids $2,135
Homeowner's Insurance Premium (12 months) $1,750
Mortgage Insurance Premium ( months)
Prepaid Interest ($13.28 per day for 29 days @ 3.125%) $385
Property Taxes ( months)
G. Initial Escrow Payment at Closing $1,707

Homeowner's Insurance $145.83 per month for 3 mo. $437
Mortgage Insurance $106.99 per month for 1 mo. $107
B. Services You Cannot Shop For $3,438
Property Taxes $290.83 per month for 4 mo. $1,163
Appraisal Fee $500
Credit Report $100
Final Inspection Fee $150
Flood Determination Fee $15
Life of Loan Flood Cert $5
Mortgage Insurance Premium $2,668 H. Other
I. TOTAL OTHER COSTS (E + F + G + H) $3,942

C. Services You Can Shop For $1,300 J. TOTAL CLOSING COSTS $11,162
Title - Closing/Settlement Fee $500 D+I $11,162
Title - Iowa Guaranty Fee $175 Lender Credits
Title - Search $200
Title - Settlement Agent Fee $425
Calculating Cash to Close
Total Closing Costs (J) $11,162
Closing Costs Financed (Paid from your Loan Amount) $0
Down Payment/Funds from Borrower $2,862
Deposit -$500
Funds for Borrower $0
Seller Credits -$5,300
D. TOTAL LOAN COSTS (A + B + C) $7,220
Adjustments and Other Credits -$2,030
Estimated Cash to Close $6,194
Page 2
Additional Information About This Loan
LENDER Flanagan State Bank MORTGAGE BROKER

NMLS/IA LICENSE ID 408461/12634 NMLS/IA LICENSE ID
LOAN OFFICER Tayler Janssen LOAN OFFICER
NMLS/IA LICENSE ID 1596702 NMLS/IA LICENSE ID
EMAIL taylerjanssen@flanaganstatebank.com EMAIL
PHONE (515)971-8458 PHONE
Comparisons Use these measures to compare this loan with other loans.
$53,728 Total you will have paid in principal, interest, mortgage insurance, and loan costs.
In 5 Years
$16,898 Principal you will have paid off.
Annual Percentage Rate (APR) 4.343% Your costs over the loan term expressed as a rate. This is not your interest rate.
The total amount of interest that you will pay over the loan term as a
Total Interest Percentage (TIP) 54.464% percentage of your loan amount.
Other Considerations
Appraisal 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.
Assumption If you sell or transfer this property to another person, we

X will allow, under certain conditions, this person to assume this loan on the original terms.
will not allow assumption of this loan on the original terms.
Homeowner's This loan requires homeowner's insurance on the property, which you may obtain from a
Insurance company of your choice that we find acceptable.
Late Payment If your payment is more than 15 days late, we will charge a late fee of 4% of the overdue
payment of Principal and Interest (P&I).
Refinance Refinancing this loan will depend on your future financial situation, the property value, and
market conditions. You may not be able to refinance this loan.
Servicing We intend:
to service your loan. If so, you will make your payments to us.
X to transfer servicing of your loan.
Confirm Receipt
By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or
received this form.
Elizabeth Marina Salazar Campos Date
Page 3
NOTICE OF INTENT TO PROCEED
WITH LOAN APPLICATION
Loan Number: 1281579208
Date: FEBRUARY 8, 2021
Name of Originator: Tayler Janssen (NMLS # 1596702)

FLANAGAN STATE BANK (NMLS # 408461)
Borrower Name(s): Elizabeth Marina Salazar Campos
Property Address: 516 Swallum Dr

Storm Lake, Iowa 50588
NOTE: DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION
COVERED BY THE GFE OR LOAN ESTIMATE, AS APPLICABLE. IF YOU DO WISH TO PROCEED,
PLEASE RETURN A SIGNED AND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE
LOAN ORIGINATOR.
Each of the undersigned Borrower(s), having received a copy of a Good Faith Estimate ("GFE") or Loan Estimate,
as applicable, dated FEBRUARY 8, 2021 , hereby expresses his or her intention to continue with the
loan application covered by the GFE or Loan Estimate.
Borrower E l i z a b e t h M a r i n a Date
Salazar Campos
NOTICE OF INTENT TO PROCEED WITH LOAN APPLICATION

12 CFR 1024.7(f)(4); 12 CFR 1026.19 (e)(2)(i)(A)
NIPLA.GFE 01/30/20
Additional Details for Services You Can Shop For
To get you started with shopping, this list identifies some providers for the services you can shop for (see Section C on page 2 of
your Loan Estimate).
Service Provider List You can select these providers or shop for your own providers.
Service Estimate Provider We Identified Contact Information

Title - Iowa Guaranty Fee $ 175.00 Kc Title & Closing Kc Title & Closing (Spencer, Ia)
Title - Closing/Settlement Fee $ 500.00 (Spencer, Ia) 502 Grand Avenue
Title - Search $ 200.00 Spencer, Iowa 51301
Title - Settlement Agent Fee $ 425.00 team@closingkc.com
(712)346-0144
APPLICANTS: Elizabeth Marina Salazar DATE ISSUED: 02/08/2021 LOAN ID #: 1281579208

Campos
ADDITIONAL DETAILS FOR SERVICES YOU CAN SHOP FOR

ADSYCSF.MSC 06/01/15
RATE LOCK AGREEMENT/DISCLOSURE FORM

Borrower(s): Elizabeth Marina Salazar Campos
Property Address: 516 Swallum Dr, Storm Lake, Iowa 50588
Loan Program: FHA FIXED RATE

Loan Type: FHA
Loan Amount: $155,138.00
We are pleased to confirm a rate lock on your mortgage loan subject to the terms and conditions in the agreement.
FLANAGAN STATE BANK has taken
your lock with one of our lender relationships. FLANAGAN STATE BANK
makes no warranties for
the lender regarding the lender's ability or willingness to deliver such lock. The lock is facilitated by an agreement between
FLANAGAN STATE BANK and the lender.
The cost, terms, duration, and conditions of the lock-in agreement are detailed below.
TERMS
Interest Rate: 3.125% Discount Points: $2,482.21
Loan Fee: $0.00 Lock-In Fee:
Lock Date: Lock Days (#):
This lock-in agreement will expire on:
Special lock-in options are as follows:
(If applicable)
CONDITIONS
The above lock-in terms are valid until the expiration date shown above. Your loan must close and fund (disbursement of funds
by the lender) by the expiration date. In the event that your loan does not fund on or before the lock expiration date, the loan
must be re-locked at the "higher of" the previous lock price or current scheduled pricing using the same lock option. A re-lock
is not automatic upon expiration. In some cases the loan program under which you are locked may be discontinued by the
lender subsequent to expiration of the lock.
REFUND OF THE LOCK-IN FEE
Your lock-in fee is /is not refundable. If refundable, see conditions below.
CONDITIONS FOR REFUND OF THE LOCK-IN FEE
We understand and agree to the terms contained in this lock-in agreement.
Borrower E l i z a b e t h M a r i n a S a l a z a r Date
Campos
Representative Date
Tayler Janssen
RATE LOCK AGREEMENT/DISCLOSURE FORM

RLADF.MSC 11/19/18
Form 4506-T Request for Transcript of Tax Return
(March 2019) Do not sign this form unless all applicable lines have been completed.
OMB No. 1545-1872
Request may be rejected if the form is incomplete or illegible.
Department of the Treasury For more information about Form 4506-T, visit www.irs.gov/form4506t. Loan Number:
Internal Revenue Service 1281579208
Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our
automated self-help service tools. Please visit us at IRS.gov and click on "Get a Tax Transcript..." under "Tools" or call 1-800-908-9946. If you need a copy of
your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name 1b First social security number on tax return, individual taxpayer identification
shown first. Elizabeth Marina Salazar Campos number, or employer identification number (see instructions)
733-75-2916
2a If a joint return, enter spouse's name shown on tax return. 2b Second social security number or individual taxpayer identification
number if joint tax return
3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)
503 D West 8th st, Storm Lake, IA 50588
4 Previous address shown on the last return filed if different from line 3 (see instructions)
5a If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and
telephone number.
CREDIT INTERLINK AMERICA, (user: CIA4506T) C/O FLANAGAN STATE BANK, P.O. BOX 329,PEBBLE
BEACH, CA. 93953 PH:888-895-5145
5b Customer file number (if applicable) (see instructions)
Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once
you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on
line 5a, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your
transcript information, you can specify this limitation in your written agreement with the third party.
6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form
number per request. 1040
a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes
made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form
1120, Form 1120-A, Form 1120-H, Form 1120-L, and Form 1120S. Return transcripts are available for the current year and returns processed
during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
b Account Transcript, which contains information on t he financial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and
estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days . . .
c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript.
Available for current year and 3 prior tax years. Most requests will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . .
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June
15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days
8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these
information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript
information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,
W-2 information for 2011, filed in 2012, will likely not be available from the IRS until 2013. If you need W-2 information for retirement purposes,
you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 10 business days . . .
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your
return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or
periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or
tax period separately. 12/31/2020 12/31/2019 12/31/2018
Caution: Do not sign this form unless all applicable lines have been completed.
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information
requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner,
managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority
to execute Form 4506-T on behalf of the taxpayer. Note: This form must be received by IRS within 120 days of the signature date.
✘ Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she Phone number of taxpayer on line 1a or 2a
has the authority to sign the Form 4506-T. See instructions.
(712)299-2579
Signature (see instructions) Date
Sign
Here
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse's signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 3-2019)
Page 1 of 2
Form 4506-T (Rev. 3-2019) Loan Number: 1281579208 Page 2
Section references are to the Internal Revenue Code Chart for all other transcripts Corporations. Generally, Form 4506-T can be
unless otherwise noted. If you lived in signed by: (1) an officer having legal authority to bind
or your business was Mail or fax to: the corporation, (2) any person designated by the
Future Developments in: board of directors or other governing body, or (3) any
For the latest information about Form 4506-T and its officer or employee on written request by any
instructions, go to www.irs.gov/form4506t. Alabama, Alaska, Arizona, principal officer and attested to by the secretary or
Information about any recent developments affecting Arkansas, California,
other officer. A bona fide shareholder of record
Form 4506-T (such as legislation enacted after we Colorado, Connecticut,
Delaware, Florida, Georgia, Internal Revenue owning 1 percent or more of the outstanding stock
released it) will be posted on that page. of the corporation may submit a Form 4506-T but
What's New. The transcripts provided by the IRS Hawaii, Idaho, Illinois, Service
Indiana, Iowa, Kansas, RAIVS Team must provide documentation to support the
have been modified to protect taxpayers' privacy. requester's right to receive the information.
Transcripts only display partial personal information, Kentucky, Louisiana, P.O. Box 9941
Maryland, Minnesota, Mail Stop 6734 Partnerships. Generally, Form 4506-T can be
such as the last four digits of the taxpayer's Social signed by any person who was a member of the
Security Number. Full financial and tax information, Mississippi, Missouri, Ogden, UT 84409
Montana, Nebraska, partnership during any part of the tax period
such as wages and taxable income, is shown on the requested on line 9.
transcript. Nevada, New Jersey, New
Mexico, North Carolina, All others. See section 6103(e) if the taxpayer
A new optional Customer File Number field is available
North Dakota, Ohio, has died, is insolvent, is a dissolved corporation, or if
to use when requesting a transcript. You have the
option of inputting a number, such as a loan number, Oklahoma, Oregon, Rhode a trustee, guardian, executor, receiver, or
in this field. You can input up to 10 numeric Island, South Carolina, 855-298-1145 administrator is acting for the taxpayer.
characters. The customer file number should not South Dakota, Tennessee, Note: If you are Heir at law, Next of kin, or
contain an SSN. This number will print on the Texas, Utah, Virginia, Beneficiary you must be able to establish a material
transcript. The customer file number is an optional Washington, West Virginia, interest in the estate or trust.
field and not required. Wisconsin, Wyoming, a Documentation. For entities other than individuals,
foreign country, American you must attach the authorization document. For
General Instructions Samoa, Puerto Rico, example, this could be the letter from the principal
Caution: Do not sign this form unless all applicable Guam, the Commonwealth officer authorizing an employee of the corporation or
lines have been completed. of the Northern Mariana the letters testamentary authorizing an individual to
Purpose of form. Use Form 4506-T to request tax Islands, the U.S. Virgin act for an estate.
return information. You can also designate (on line Islands, A.P.O. or F.P.O. Signature by a representative. A representative can
5a) a third party to receive the information. Taxpayers address sign Form 4506-T for a taxpayer only if the taxpayer
using a tax year beginning in one calendar year and Maine, Massachusetts, Internal Revenue has specifically delegated this authority to the
ending in the following year (fiscal tax year) must file New Hampshire, New Service representative on Form 2848, line 5. The
Form 4506-T to request a return transcript. York, Pennsylvania, RAIVS Team representative must attach Form 2848 showing the
Note: If you are unsure of which type of transcript Vermont Stop 6705 S-2 delegation to Form 4506-T.
you need, request the Record of Account, as it Kansas City, MO 64999
provides the most detailed information.
Tip. Use Form 4506, Request for Copy of Tax Return, Privacy Act and Paperwork Reduction Act Notice. We
to request copies of tax returns. 855-821-0094 ask for the information on this form to establish your
Automated transcript request. You can quickly request right to gain access to the requested tax information
transcripts by using our automated self-help service tools. under the Internal Revenue Code. We need this
Please visit us at IRS.gov and click on "Get a Tax Line 1b. Enter your employer identification number information to properly identify the tax information
Transcript..." under "Tools" or call 1-800-908-9946. (EIN) if your request relates to a business return. and respond to your request. You are not required to
Where to file. Mail or fax Form 4506-T to the address Otherwise, enter the first social security number request any transcript; if you do request a transcript,
below for the state you lived in, or the state your (SSN) or your individual taxpayer identification
sections 6103 and 6109 and their regulations require
business was in, when that return was filed. There number (ITIN) shown on the return. For example, if
you are requesting Form 1040 that includes you to provide this information, including your SSN or
are two address charts: one for individual transcripts EIN. If you do not provide this information, we may
(Form 1040 series and Form W-2) and one for all Schedule C (Form 1040), enter your SSN.
not be able to process your request. Providing false
other transcripts. or fraudulent information may subject you to
If you are requesting more than one transcript or Line 3. Enter your current address. If you use a
P.O. box, include it on this line. penalties.
other product and the chart below shows two Routine uses of this information include giving it
different addresses, send your request to the address to the Department of Justice for civil and criminal
based on the address of your most recent return. Line 4. Enter the address shown on the last return
filed if different from the address entered on line 3. litigation, and cities, states, the District of Columbia,
and U.S. commonwealths and possessions for use in
Chart for individual transcripts Note: If the addresses on lines 3 and 4 are different administering their tax laws. We may also disclose
(Form 1040 series and Form W-2 and you have not changed your address with the this information to other countries under a tax treaty,
and Form 1099) IRS, file Form 8822, Change of Address. For a to federal and state agencies to enforce federal
If you filed an business address, file Form 8822-B, Change of nontax criminal laws, or to federal law enforcement
individual return and Mail or fax to: Address or Responsible Party - Business. and intelligence agencies to combat terrorism.
lived in: You are not required to provide the information
Line 5b. Enter up to 10 numeric characters to requested on a form that is subject to the Paperwork
Alabama, Kentucky, create a unique customer file number that will Reduction Act unless the form displays a valid OMB
Louisiana, Mississippi, appear on the transcript. The customer file number control number. Books or records relating to a form
Tennessee, Texas, a foreign Internal Revenue Service should not contain an SSN. Completion of this line or its instructions must be retained as long as their
country, American Samoa, RAIVS Team is not required. contents may become material in the administration
Puerto Rico, Guam, the Stop 6716 AUSC
of any Internal Revenue law. Generally, tax returns
Commonwealth of the Austin, TX 73301 Note. If you use an SSN, name or combination of
Northern Mariana Islands,
and return information are confidential, as required by
both, we will not input the information and the section 6103.
the U.S. Virgin Islands, or customer file number will be blank on the
A.P.O. or F.P.O. address 855-587-9604 The time needed to complete and file Form 4506-
transcript.
T will vary depending on individual circumstances.
Alaska, Arizona, Arkansas, The estimated average time is: Learning about the
Line 6. Enter only one tax form number per request.
California, Colorado, Hawaii, law or the form, 10 min.; Preparing the form, 12
Idaho, Illinois, Indiana, Iowa, Internal Revenue Service min.; and Copying, assembling, and sending the form
Signature and date. Form 4506-T must be signed
Kansas, Michigan, RAIVS Team to the IRS, 20 min.
Minnesota, Montana, Stop 37106 and dated by the taxpayer listed on line 1a or 2a.
The IRS must receive Form 4506-T within 120 days If you have comments concerning the accuracy
Nebraska, Nevada, New Fresno, CA 93888 of these time estimates or suggestions for making
of the date signed by the taxpayer or it will be
Mexico, North Dakota, Form 4506-T simpler, we would be happy to hear
rejected. Ensure that all applicable lines are
Oklahoma, Oregon, South from you. You can write to:
Dakota, Utah, Washington,
completed before signing.
Wisconsin, Wyoming 855-800-8105 Internal Revenue Service
You must check the box in the
Connecticut, Delaware, signature area to acknowledge you Tax Forms and Publications Division
District of Columbia, Florida, have the authority to sign and request 1111 Constitution Ave. NW, IR-6526
Georgia, Maine, Maryland, Internal Revenue Service the information. The form will not be Washington, DC 20224
Massachusetts, Missouri, RAIVS Team processed and returned to you if the
New Hampshire, New Stop 6705 S-2 box is unchecked. Do not send the form to this address. Instead,
Jersey, New York, North Kansas City, MO 64999 see Where to file on this page.
Carolina, Ohio, Individuals. Transcripts of jointly filed tax
Pennsylvania, Rhode Island, returns may be furnished to either spouse. Only
South Carolina, Vermont, one signature is required. Sign Form 4506-T exactly
Virginia, West Virginia 855-821-0094 as your name appeared on the original return. If you
changed your name, also sign your current name.
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 3-2019)
Page 2 of 2
HOUSING COUNSELORS NEAR YOU
Provided By: FLANAGAN STATE BANK

10 CLOSEST RESULTS TO ZIP CODE 50588

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:
https://www.hudexchange.info/programs/housing-counseling/customer-service-feedback/
1. CENTER FOR SIOUXLAND Distance

715 Douglas St 62.5 miles
Sioux City, Iowa 51101-1021
Website: http://www.centerforsiouxland.org/
Phone: 712-252-1861
Email Address: jonette.spurlock@centerforsiouxland.org
Languages:
English, Spanish, Vietnamese
Services:
Mortgage Delinquency and Default Resolution Counseling | Resolving/Preventing Mortgage Delinquency
Workshop | Financial Management/Budget Counseling | Financial: Budgeting and Credit Repair
Workshops | Services for Homeless Counseling | Non-Delinquency Post Purchase Workshops | Predatory
Lending Education Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops
| Rental Housing Counseling | Rental Housing Workshops
HOUSING COUNSELORS NEAR YOU AS OF 02/08/2021

12 CFR § 1024.20
HCNY.MSC 07/11/19 Page 1
2. SOUTHWEST MINNESOTA HOUSING PARTNERSHIP Distance
2401 Broadway Ave 97.0 miles
Slayton, Minnesota 56172-1167
Website: http://www.swmhp.org
Phone: 507-836-8673
Email Address: N/A
Languages:
English, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Financial: Budgeting and Credit Repair
Workshops | Home Improvement and Rehabilitation Counseling | Non-Delinquency Post Purchase
Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops
3. LUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA - CCCS Distance

705 E 41st St, Suite 100 97.5 miles
Sioux Falls, South Dakota 57105-6053
Website: http://www.lsssd.org
Phone: 605-330-2700
Email Address: cccs@lsssd.org
Languages:
English, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Financial Management/Budget Counseling |
Services for Homeless Counseling | Predatory Lending Education Workshops | Pre-purchase Counseling
| Pre-purchase Homebuyer Education Workshops | Rental Housing Counseling | Rental Housing Workshops

12 CFR § 1024.20 Page 2
HCNY.MSC 07/11/19
4. SIOUX EMPIRE HOUSING PARTNERSHIP Distance
200 N Phillips Ave Ste 200 99.3 miles
Sioux Falls, South Dakota 57104-6058
Website: http://www.siouxempirehousing.org
Phone: 605-373-2057
Email Address: kzimmer@siouxfalls.com
Languages:
English, Spanish
Services:
Financial: Budgeting and Credit Repair Workshops | Non-Delinquency Post Purchase Workshops |
Predatory Lending Education Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education
Workshops | Rental Housing Counseling | Rental Housing Workshops
5. FAMILY HOUSING ADVISORY SERVICES, INC. Distance

500 Willow Ave 101.6 miles
Council Bluffs, Iowa 51503-0827
Website: http://fhasinc.org
Phone: 402-934-7926
Email Address: Teresa@fhasinc.org
Languages:
English, Spanish
Services:
Financial: Budgeting and Credit Repair Workshops | Fair Housing Pre-Purchase Education Workshops |
Home Improvement and Rehabilitation Counseling | Services for Homeless Counseling | Non-Delinquency
Post Purchase Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops |
Rental Housing Counseling | Rental Housing Workshops

12 CFR § 1024.20 Page 3
HCNY.MSC 07/11/19
6. FAMILY HOUSING ADVISORY SERVICES, INC. Distance
2401 Lake St 101.9 miles
Omaha, Nebraska 68111-3872
Website: https://www.fhasinc.org
Phone: 402-934-6741
Email Address: donna@fhasinc.org
Languages:
English, Spanish
Services:
Services for Homeless Counseling | Non-Delinquency Post Purchase Workshops | Pre-purchase
Counseling | Pre-purchase Homebuyer Education Workshops | Rental Housing Counseling | Rental
Housing Workshops
7. CREDIT ADVISORS FOUNDATION Distance

1818 S. 72nd Street 105.9 miles
OMAHA, NEBRASKA 68124-1704
Website: http://www.creditadvisors.org
Phone: 402-393-3100
Email Address: shohman@creditadvisors.org
Languages:
English, Korean, Other, Spanish
Services:
Services for Homeless Counseling | Non-Delinquency Post Purchase Workshops | Predatory Lending
Education Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops | Rental
Housing Counseling | Rental Housing Workshops

12 CFR § 1024.20 Page 4
HCNY.MSC 07/11/19
8. CREDIT ADVISORS FOUNDATION Distance
1818 S 72nd St 105.9 miles
Website: http://WWW.CREDITADVISORS.ORG
Phone: 402-393-3100
Email Address: lisa@creditadvisors.org
Languages:
ASL, English, Korean, Other, Spanish
Services:
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 Education Workshops | Rental
Housing Counseling | Rental Housing Workshops
9. GREENPATH FINANCIAL WELLNESS Distance

8031 W Center Rd, Suite 225 106.7 miles
Website: http://www.greenpath.org
Phone: 888-860-4167
Email Address: housingdepartment@greenpath.com
Languages:
English, Spanish
Services:
Fair Housing Pre-Purchase Education Workshops | Services for Homeless Counseling | Non-Delinquency
Rental Housing Counseling | Reverse Mortgage Counseling

12 CFR § 1024.20 Page 5
HCNY.MSC 07/11/19
10. FAMILY HOUSING ADVISORY SERVICES, INCORPORATE Distance
3605 Q Street 107.1 miles
OMAHA, NEBRASKA 68107-2523
Website: http://fhasinc.org
Phone: 402-546-1013
Email Address: teresa@fhasinc.org
Languages:
English, Spanish
Services:
Home Improvement and Rehabilitation Counseling | Services for Homeless Counseling | Non-Delinquency
Rental Housing Counseling | Rental Housing Workshops

12 CFR § 1024.20 Page 6
HCNY.MSC 07/11/19
ACKNOWLEDGMENT OF RECEIPT OF RESPA'S
HOMEOWNERSHIP COUNSELING ORGANIZATIONS LIST
Lender/Broker: FLANAGAN STATE BANK
The undersigned applicants hereby acknowledge receiving a list of Homeownership Counseling Organizations located
in Storm Lake, IA provided by FLANAGAN STATE BANK
as required by RESPA's Regulation X, 12 C.F.R. § 1024.20. The Lender

retrieved the list of Homeownership Counseling Organizations from CFPB's website at:
www.consumerfinance.gov/find-a-housing-counselor
Read and acknowledged.
Salazar Campos
ACKNOWLEDGMENT OF RECEIPT OF RESPA'S

HOMEOWNERSHIP COUNSELING ORGANIZATIONS LIST
ARRESPAH.CST 02/22/19
BORROWER'S CERTIFICATION AND AUTHORIZATION
CERTIFICATION
The undersigned certify the following:
1. I/We have applied for a mortgage loan from FLANAGAN STATE BANK ("Lender").
In applying for the loan, I/we completed a loan application containing information on the purpose of the loan, the amount and
source of the downpayment, 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 Lender reserves the right to change the mortgage loan review process. This may include
verifying the information provided on the application.
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 Lender. As part of the application process, Lender and the mortgage guaranty
insurer (if any), 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 Lender and to any investor to whom you may sell my mortgage, and to the mortgage
guaranty insurer (if any), 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. I/We further authorize Lender to order a consumer credit report and verify other credit information.
4. Lender or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address this
authorization to any party named in the loan application. A copy of this authorization may be accepted as an original.
5. Your prompt reply to Lender, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any) is
appreciated. The mortgage guaranty insurer (if any) is: HUD
BORROWER'S AUTHORIZATION FOR USE OF INFORMATION
PROTECTED UNDER THE PRIVACY ACT
I/We have applied for a mortgage loan from FLANAGAN STATE BANK ("Lender").
As part of the application process, Lender may use my/our information protected under the Privacy Act of 1974 for any
purpose relating to the origination, servicing, loss mitigation and disposition of the Mortgage or Property securing the
Mortgage and relating to any insurance claim and ultimate resolution of such claims by the Mortgagee and FHA.
Notice to FHA or VA Borrowers. This is notice to you as required by the Right to Financial Privacy Act of 1978 that the
Department of Housing and Urban Development or Department of Veterans Affairs 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 the Department of Housing and Urban Development or Department of Veterans
Affairs 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.
By signing below, I/we acknowledge we have read and received a copy of this document.
733-75-2916
Borrower Elizabeth Marina Salazar Date Social Security Number
Campos
Borrower Date Social Security Number
BORROWER'S CERTIFICATION AND AUTHORIZATION

TDC2.LSR 03/12/20
FLANAGAN STATE BANK
ELECTRONIC DISCLOSURE AGREEMENT

ELECTRONIC DELIVERY OF DISCLOSURES AND NOTICES
By accepting this Electronic Disclosure Agreement, you consent and agree that we may provide to you, certain disclosures and
notices related to your loan application, in electronic form, in lieu of paper form. The disclosures and notices included in this
consent are noted below.
DISCLOSURES AND NOTICES INCLUDED IN THIS CONSENT
Your consent to receive e-disclosures covers the disclosures and notices we are required to provide you in conjunction with
your mortgage loan application. This includes all disclosures and notices required by the Real Estate Settlement Procedures
(RESPA), Regulation Z (Truth-in-Lending Act), Regulation B (Equal Credit Opportunity Act), the Flood Disaster Protection
Act, Home Mortgage Disclosure Act, Fair Credit Reporting Act, Fair and Accurate Credit Transaction Act, Homeowner
Protection Act, and all notices required in conjunction with your loan application, as well as your property appraisal.
HARDWARE, SOFTWARE, AND OTHER SYSTEM REQUIREMENTS
Computer Hardware, Software and Other Requirements. You must have the following listed items and features in order
to receive Disclosures electronically, to print copies of the Disclosures, and to retain electronic copies of the Disclosures:
A personal computer with monitor, keyboard and mouse capable of accessing the Internet and sending and receiving
e-mail:
If you use Windows: 1.3GHz or faster processor; Microsoft Windows XP with Service Pack 3 for 32 bit or Service
Pack 2 for 64 bit; Windows Server® 2003 R2 (32 bit and 64 bit); Windows Server 2008 or 2008 R2 (32 bit and
64 bit); Windows 7 (32 bit and 64 bit); Windows 8 or 8.1 (32 bit and 64 bit); 256MB of RAM (512MB
recommended); 320MB of available hard-disk space
If you use Macintosh: PowerPC® G4, PowerPC G5, or intel processor; Mac OS X v10.4.11-10.5.8 (PowerPC);
Mac OS X v10.4.11-10.6.3 (Intel); 128MB of RAM (256MB recommended); 405MB of available hard-disk space
(additional space required for installation)
Internet Access
One of the following Internet browsers;
Chrome 31.0 or higher
Microsoft Internet Explorer 8 or higher
Mozilla Firefox ESR and 23.0 or higher
Safari 6.1 or higher
Adobe Acrobat Reader® version 6.0 or higher
A valid e-mail address
A printer capable of printing text screens, if you wish to print copies of the Disclosures
If we change the computer hardware or software requirements, we will provide you with advance notice of the new
requirements. You may withdraw your Consent as described in Section 5 above, and you will not be charged any fees as a
result of the withdrawal of your Consent.
ACCESSING YOUR DISCLOSURES, AND NOTICES
To ensure that you are able to read the disclosures and notices in the format in which they will be provided, we will perform
a test prior to sending any loan related disclosures or notices. You will receive an email containing "Important Information
About Your Mortgage Loan" in the subject line. The email message will instruct you to open the attached Adobe (.pdf)
document. The document will provide instructions for confirming receipt of the notice.

EDA2.CST 08/07/17 Page 1 of 2
REQUEST FOR PAPER STATEMENTS, DISCLOSURES, OR NOTICES
If you would like to receive a paper copy of any of the documents included in this agreement, you may contact us at the e-mail
address, phone number, or mailing address at the bottom of this consent.
RIGHT TO WITHDRAW CONSENT
You have the right to withdraw your consent to electronic delivery of e-disclosures. To do so, you must contact us at the e-mail
address, telephone number, or mailing address at the bottom of this consent. If you withdraw your consent to electronic
delivery we will resume sending paper copies of the disclosures and notices.
CHANGE OF E-MAIL ADDRESS, PHONE NUMBER, MAILING ADDRESS, AND OTHER INFORMATION
You must notify us immediately of any change in your e-mail address, telephone number, or mailing address. Notification may
be made by contacting us at the e-mail address, telephone number, or mailing address at the bottom of this consent. For your
security, we will take appropriate steps to verify change requests received via telephone, mail, or an e-mail address different
from the one previously provided by you.
ADDITIONAL TERMS AND CONDITIONS
This agreement is in addition to the terms and conditions described in your disclosures, notices, or any other documentation
which relates to your loan application. To the extent that this agreement is inconsistent with any of the terms and conditions
contained in other account documents received, this agreement shall be in control relative to electronic disclosures, and notices.
I hereby consent to receive electronic delivery of the disclosures, notices, and documents related to my mortgage loan
application. I hereby certify that I have received the Electronic Statement Disclosure Agreement.
Signature Elizabeth Marina Salazar Date Signature Date

Campos
morenita986@gmail.com
e-mail address e-mail address
Signature Date Signature Date
Signature Date Signature Date

EDA2.CST 08/07/17 Page 2 of 2
DISCLOSURE NOTICES
OCCUPANCY STATEMENT
This is to certify that I/we intend to occupy the subject property as it is my/our Primary Residence .
I/We hereby certify under penalty of U.S. Criminal Code Section 1010 Title 18 U.S.C., that the above statement for
the purpose of obtaining mortgage insurance under the National Housing Act is true and correct.
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 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 be advised of the identity of Consumer
Reporting Agency making such report and of right to request within sixty (60) days the reason for the adverse action,
pursuant to provisions of section 615(b) of the Fair Credit Reporting Act.
EQUAL CREDIT OPPORTUNITY ACT

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital 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. Income which
you receive as alimony, child 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 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 consider
very carefully the stability and probably continuity of any income you disclose to us. The Federal Agency that
administers compliance with this law concerning this creditor is:
RIGHT TO FINANCIAL PRIVACY ACT

I/We acknowledge that this is notice to me/us as required by the Right to Financial Privacy Act of 1978 that the
Veterans Administration (in the case of a VA Loan) or Department of Housing and Urban Development (in the case
of an FHA Loan) has a right of access to financial records held by financial institutions in connection with the
consideration or administration of assistance to me/us. Financial records involving my/our transactions will be
available to the VA (in the case of a VA loan) or to HUD (in the case of an FHA Loan) without further notice or
authorization but will not be disclosed or released to another government agency or department without my/our
consent, except as required or permitted by law.
INFORMATION DISCLOSURE AUTHORIZATION

I/We hereby authorize you to release to FLANAGAN STATE BANK
for verification purposes, information concerning:
Employment History, dates, title(s), income, hours worked, etc.
Banking (checking and savings) account of record
Mortgage loan rating (opening date, high credit, payment amount, loan balance and payment)
Any information deemed necessary in connection with consumer credit report for real estate transaction
DISCLOSURE NOTICES
DN10.CST 11/24/15 Page 1 of 2
This information is for the confidential use of this lending in compiling a mortgage loan credit report. A copy of this
authorization may be deemed to be the equivalent of the original and may be used as a duplicate original.
ANTI-COERCION STATEMENT
The insurance laws of this state provide that the lender may not require the applicant to take insurance through any
particular insurance agent or company to protect the mortgaged property. The applicant, subject to the rules adopted
by the Insurance Commissioner, has the right to have the insurance placed with an insurance agent or company of his
choice, provided the company meets the requirement of the lender. The lender has the right to designate reasonable
financial requirements as to the company and the adequacy of the coverage.
I have read the foregoing statement, or the rules of the Insurance Commissioner relative thereto, and understand my
rights and privileges and those of the lender relative to the place of such insurance. I have selected the following
agencies to write the insurance covering the property described above:
FLOOD INSURANCE NOTIFICATION

Federal regulations require us to inform you that the property used as security for this loan is located in an area
identified by the U.S. Secretary of Housing and Urban Development as having special flood hazards and that in the
event of damage to the property caused by flooding in a federally-declared disaster, federal disaster relief assistance,
if authorized, will be available for the property.
At the closing you will be asked to acknowledge your receipt of this information. If you have any questions
concerning this notice, kindly contact your loan officer.
Important: Please notify your insurance agent that the "loss payee" clause for the mortgagee on both the hazard and
flood insurance must read as follows, unless otherwise advised:
FLANAGAN STATE BANK
IT SUCCESSORS AND/OR ASSIGNS
2401 E WASHINGTON
BLOOMINGTON, ILLINOIS 61704
YOUR HOME TOOL KIT BOOKLET
I/We hereby acknowledge receipt from FLANAGAN STATE BANK
a copy of the booklet titled "Your Home Tool Kit Booklet" published by the Federal Reserve Board and the Federal
Home Loan Bank Board which is provided in addition to other required adjustable rate mortgage disclosures.
I/We hereby certify that I/we have read the Notices set forth above and fully understand all of the above.
Borrower Elizabeth Marina Salazar Date Borrower Date

Campos
Borrower Date Borrower Date
DISCLOSURE NOTICES
DN10.CST 11/24/15 Page 2 of 2
BORROWER'S AUTHORIZATION FOR USE OF
INFORMATION PROTECTED UNDER THE PRIVACY ACT
Lender: FLANAGAN STATE BANK

I/We have applied for a mortgage loan from FLANAGAN STATE BANK
("Lender"). As part of the application process,
Lender may use my/our information protected under the Privacy Act of 1974 for any purpose relating to the
origination, servicing, loss mitigation, and disposition of the Mortgage or Property securing the Mortgage, and
relating to any insurance claim and ultimate resolution of such claims by the Mortgagee and FHA.
By signing below, I/we acknowledge that I/we have read and received a copy of this document.
Salazar Campos
BORROWER'S AUTHORIZATION FOR USE OF

INFORMATION PROTECTED UNDER THE PRIVACY ACT
BAUIPUPA.MSC 05/21/19
BORROWER CONSENT TO THE USE OF TAX RETURN INFORMATION
Borrower: Elizabeth Marina Salazar Campos

I understand, acknowledge, and agree that the Lender and Other Loan Participants can obtain, use and share tax return
information for purposes of (i) providing an offer; (ii) originating, maintaining, managing, monitoring, servicing,
selling, insuring, and securitizing a loan; (iii) marketing; or (iv) as otherwise permitted by applicable laws, including
state and federal privacy and data security laws. The Lender includes the Lender's affiliates, agents, service providers
and any of aforementioned parties' successors and assigns. The Other Loan Participants includes any actual or
potential owners of a loan resulting from your loan application, or acquirers of any beneficial or other interest in the
loan, any mortgage insurer, guarantor, any servicers or service providers for these parties and any of aforementioned
parties' successors and assigns.
Borrower Elizabeth Marina Salazar Date

Campos
BORROWER CONSENT TO THE USE OF TAX RETURN INFORMATION

BCUTRI.MSC 08/27/20
CREDIT INQUIRIES
The credit inquiry dated from ,
did did not result in the opening of any new credit. The reason for the inquiry was:




I have not applied for any new credit and do not anticipate a need to apply for any new credit prior to the
closing of this mortgage loan. If a new account was opened, provide a current statement or printout showing
balance and payment.
Borrower Elizabeth Marina Salazar Date Borrower Date

Campos
CREDIT INQUIRIES
CI.FSB 02/13/13
FHA AMENDATORY CLAUSE

I, the undersigned, hereby certify that I did not receive a copy of Form HUD-92800.5B, Conditional Commitment/DE
Statement of Appraised Value, prior to my signing the sales contract to purchase the property. The sales contract is hereby
amended to contain the following provisions:
It is expressly agreed that notwithstanding any other provisions of this contract, the purchaser shall not be obligated to complete
the purchase of the property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwise,
unless the purchaser has been given, in accordance with HUD/FHA or VA requirements, a written statement by the Federal
Housing Commissioner, Department of Veterans Affairs, or a Direct Endorsement lender setting forth the appraised value of
the property of not less than $ 158,000.00 . The purchaser shall have the privilege and option of proceeding
with consummation of the contract without regard to the amount of the appraised valuation. The appraised valuation is arrived
at to determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does not warrant
the value or condition of the property. The purchaser should satisfy himself/herself that the price and condition of the property
are acceptable.
Campos
Seller Date Seller Date
Listing Agent Date Selling Agent Date
WARNING: Section 1010 of title 18, U.S.C. provides: "Whoever for purpose of...influencing such Administration...makes,
passes, utters, or publishes any statement, knowing the same to be false...shall be fined not more than $5,000.00 or imprisoned
not more than two years or both."
FHA AMENDATORY CLAUSE

HUD Handbook 4000.1, II.A.1.a
AC.FHA 02/20/20
FHA/VA NOTICE TO APPLICANTS
LOAN #: 1281579208
This notice is to you, as required by the Right to Financial Privacy Act of 1978, that the Veterans Administration or
Department of Housing and Urban Development, whichever is appropriate, has the 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 transactions will be available to VA or HUD without further notice or authorization, but will
not be disclosed or released to another government agency or department without consent, except as required or
permitted by law.
Elizabeth Marina Salazar Campos Date Date
Date Date
Date Date
FHA/VA NOTICE TO APPLICANTS

FHAVANA.CST 05/12/14
CAUTION
U.S. Department of OMB Approval No: 2502-0538
Housing and Urban (exp. 06/30/2021)
Development
Federal Housing Administration (FHA)
For Your Protection:

Get a Home Inspection
Why a Buyer Needs a Home Inspection
A home inspection gives the buyer more detailed information about the overall condition of the home prior to
purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential new home to:
Evaluate the physical condition: structure, construction, and mechanical systems;

Identify items that need to be repaired or replaced; and
Estimate the remaining useful life of the major systems, equipment, structure, and finishes.
You Must Ask for a Home Inspection

A home inspection will only occur if you arrange for one. FHA does not perform a home inspection.
Decide early. You may be able to make your contract contingent on the results of the inspection.
Appraisals are Different from Home Inspections

An appraisal is different from a home inspection and does not replace a home inspection. Appraisals estimate
the value of the property for lenders. An appraisal is required to ensure the property is marketable. Home
inspections evaluate the condition of the home for buyers.
FHA Does Not Guarantee the Value or Condition of your Potential New Home
If you find problems with your new home after closing, FHA cannot give or lend you money for repairs, and
FHA cannot buy the home back from you. Ask a qualified home inspector to inspect your potential new home
and give you the information you need to make a wise decision.
Radon Gas Testing and other safety/health issues

The United States Environmental Protection Agency and the Surgeon General of the United States have
recommended that all houses should be tested for radon. For more information on radon testing, call the toll-free
National Radon Information Line at 1-800-SOS-Radon or 1-800-767-7236.
Ask your home inspector about additional health and safety tests that may be relevant for your home.
Be an Informed Buyer
It is your responsibility to be an informed buyer. You have the right to carefully examine your potential new
home with a qualified home inspector. To find a qualified home inspector ask for references from friends,
realtors, local licensing authorities and organizations that qualify and test home inspectors.
HUD-92564-CN (6/14)
CAUTION
FOR YOUR PROTECTION: GET A HOME INSPECTION

GAHI.FHA 04/20/20
HUD Addendum to Uniform Residential Loan Application OMB Approval No. HUD: 2502-0059 (exp. 12/31/2023)
Part I - Identifying Information HUD/FHA FHA Case No. (include any suffix) Mortgagee Case No.
Application for Insurance under the National Housing Act and Borrower Certification 1281579208
Mortgagee ID 2760600005 Sponsor ID Agent ID
Mortgagee Name, Address (include ZIP Code) and Telephone Number Name and Address of Sponsor Name and Address of Agent
FLANAGAN STATE BANK
2401 E. Washington Street
Bloomington, Illinois 61704
(815)676-0990
Type or print all entries clearly
Borrower's Name & Present Address (include ZIP Code) Property Address
Elizabeth Marina Salazar Campos (include name of subdivision, lot & block no. & ZIP Code)
503 D West 8th st 516 Swallum Dr
Storm Lake, Iowa 50588 Storm Lake, Iowa 50588
Name of Third-Party Originator NMLS ID of

Sponsored
FLANAGAN STATE BANK Third-Party Originator
Originations
408461
Part II - Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration (SSA) to verify my Social Security Number (SSN) to the Mortgagee and HUD/FHA. I authorize SSA to
provide explanatory information to HUD/FHA in the event of a discrepancy. This consent is valid for 180 days from the date signed, unless
indicated otherwise by the individual(s) named in this loan application.
Signature(s) of Borrower(s) - Read consent carefully. Review accuracy of Social Security Number(s) provided on this application.
Borrower's Name: Elizabeth Marina Salazar Campos Co-Borrower's Name:

Date of Birth: DECEMBER 2, 1980 Date of Birth:
Social Security Number: 733-75-2916 Social Security Number:
Signature(s) of Borrower(s) Date Signed Signature(s) of Co-Borrower(s) Date Signed
Part III - Borrower Notices, Information, and Acknowledgment

Public Reporting Burden
Public reporting burden for this collection of information is estimated to average 10 minutes per response, including the time for reviewing
instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of
information. This agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless that collection
displays a valid OMB control number, which can be located on the OMB Internet page at http://www.reginfo.gov/public/do/PRAMain.
Privacy Act Information

The information requested on the Uniform Residential Loan Application and this Addendum is authorized by the National Housing Act of 1934, 12
U.S.C. § 1701, et seq. The Debt Collection Act of 1982, Pub. L. 97-365, and HUD's Housing and Community Development Act of 1987, 42
U.S.C. § 3543, require persons applying for a federally insured loan to furnish their SSN. You must provide all the requested information, including
your SSN. HUD may conduct a computer match to verify the information you provide. HUD may disclose certain information to Federal, State and
local agencies when relevant to civil, criminal, or regulatory investigations and prosecutions. It will not otherwise be disclosed or released outside
of HUD except as required and permitted by law. The information will be used to determine whether you qualify as a mortgagor. Failure to provide
any of the requested information, including SSN, may result in disapproval of your loan application. 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 the institution to another Government Agency or Department without your consent
except as required or permitted by law.
WARNING: This warning applies to all certifications made in this document.
Anyone who knowingly submits a false claim, or makes false statements is subject to criminal and civil penalties, including confinement for up to 5
years, fines, and civil penalties. 18 U.S.C. §§ 287, 1001 and 31 U.S.C. §3729
form HUD-92900-A (02/2020)

Page 1 of 4
Borrower Name: Elizabeth Marina Salazar Campos FHA Case No.:
Caution: Delinquencies, Defaults, Foreclosures and Abuses

Delinquencies, defaults, foreclosures and abuses of mortgage loans involving programs of the Federal Government can be costly and detrimental to
your credit, now and in the future. The Mortgagee in this transaction, its agents and assigns as well as the Federal Government, its agencies, agents
and assigns are authorized to take any and all of the following actions in the event loan payments become delinquent on the mortgage loan described
in the attached application: (1) Report your name and account information to a credit bureau; (2) Assess additional interest and penalty charges for
the period of time that payment is not made; (3) Assess charges to cover additional administrative costs incurred by the Federal Government to
service your account; (4) Offset amounts owed to you under other Federal programs; (5) Refer your account to a private attorney, collection agency or
mortgage servicing agency to collect the amount due, foreclose the mortgage, sell the property, and seek judgment against you for any deficiency; (6)
Refer your account to the Department of Justice (DOJ) for litigation in the courts; (7) If you are a current or retired Federal employee, take action to
offset your salary, or civil service retirement benefits; (8) Refer your debt to the Internal Revenue Service for offset against any amount owed to you
as an income tax refund; and (9) Report any resulting written off debt of yours to the Internal Revenue Service as your taxable income. All of these
actions may be used to recover any debts owed when it is determined to be in the interest of the Mortgagee or Federal Government, or both.
As a mortgage loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract. The fact that
you dispose of your property after the loan has been made will not relieve you of liability for making these payments. Payment of the loan in full is
ordinarily the way liability on a mortgage note is ended. Some home buyers have the mistaken impression that if they sell their homes when they
move to another locality, or dispose of it for any other reasons, they are no longer liable for the mortgage payments and that liability for these
payments is solely that of the new owners. Even through the new owners may agree in writing to assume liability for your mortgage payments, this
assumption agreement will not relieve you from liability to the holder of the note which you signed when you obtained the loan to buy the property.
Unless you are able to sell the property to a buyer who is acceptable to HUD/FHA who will assume the payment of your obligation to the lender, you
will not be relieved from liability to repay any claim which HUD/FHA may be required to pay your lender on account of default in your loan payments.
The amount of any such claim payment may be a debt owed by you to the Federal Government and subject to established collection procedures.
Fair Housing Act

I and anyone acting on my behalf are, and will remain, in compliance with the Fair Housing Act, 42 U.S.C. § 3604, et seq., with respect to the
dwelling or property covered by the loan and in the provision of services or facilities in connection therewith. I recognize that any restrictive covenant
on this property related to race, color, religion, sex, disability, familial status, or national origin is unlawful under the Fair Housing Act and
unenforceable.. I further recognize that in addition to administrative action by HUD, a civil action may be brought by the DOJ in any appropriate U.S.
court against any person responsible for a violation of the applicable law.
Certification and Acknowledgment

All information in this application is given for the purpose of obtaining a loan to be insured under the National Housing Act and the information in the
Uniform Residential Loan Application and this Addendum is true and complete to the best of my knowledge and belief. Verification may be obtained
from any source named herein. I have read and understand the foregoing concerning my liability on the loan and Part III, Borrower Notices, Information
and Acknowledgment.
Signature(s) of Borrow er(s) - Do not sign unless this application is fully completed. Read the certification carefully and review accuracy of this application.
Signature(s) of Borrower(s) Date Signed Signature(s) of Co-Borrower(s) Date Signed
form HUD-92900-A (02/2020)

Page 2 of 4
Part IV - Direct Endorsement Approval for a HUD/FHA-Insured Mortgage
A. Underwriting the Borrower
Date Mortgage Approved: Date Approval Expires:
For mortgages rated as an "accept" or "approve" by FHA's TOTAL Mortgage Scorecard:

The information submitted to TOTAL was documented in accordance with Single Family Housing Policy Handbook 4000.1 (SF
Handbook) and accurately represents the final information obtained by the mortgagee; and
This mortgage complies with SF Handbook 4000.1 Section II.A.4.e Final Underwriting Decision (TOTAL) to the extent that no defect
exists in connection with the underwriting of this mortgage such that it should not have been approved in accordance with FHA
requirements.
I certify that the statements above are materially correct, with the understanding that, in the event HUD elects to pursue a claim arising out of or
relating to any inaccuracy of this certification, HUD will interpret the severity of such inaccuracy in a manner that is consistent with the HUD
Defect Taxonomy in effect as of the date this mortgage is endorsed for insurance.
Mortgagee Representative Signature:
Printed Name:
Title:
OR
For mortgages rated as a "refer" by FHA's TOTAL Mortgage Scorecard, or manually underwritten by a Direct Endorsement underwriter:
I have personally reviewed and underwritten the borrower's credit application;
The information used to underwrite the borrower was documented in accordance with Single Family Housing Policy Handbook 4000.1
(SF Handbook) and accurately represents the final information obtained by the mortgagee; and
This mortgage complies with SF Handbook 4000.1 Section II.A.5.d Final Underwriting Decision (Manual) to the extent that no defect
exists in connection with the underwriting of this mortgage such that it should not have been approved in accordance with FHA
requirements.
I certify that the statements above are materially correct, with the understanding that in the event HUD elects to pursue a claim arising out of or
Direct Endorsement Underwriter Signature: DE's ID Number:
B. Underwriting the Property
For all mortgages where FHA requires an appraisal, I have personally reviewed and underwritten the appraisal according to FHA requirements. I
certify that the statements above are materially correct, with the understanding that in the event HUD elects to pursue a claim arising out of or
Direct Endorsement Underwriter Signature: DE's ID Number:
form HUD-92900-A (02/2020)

Page 3 of 4
Part V. Mortgagee's Certification
I have personally reviewed the mortgage documents and the application for insurance endorsement; and
This mortgage complies with SF Handbook 4000.1 Section II.A.7 Post-Closing and Endorsement to the extent that no defect exists that
would have changed the decision to endorse or submit the mortgage for insurance.
I certify that the statements above are materially correct, with the understanding that in the event HUD elects to pursue a claim arising out of or
relating to any inaccuracy of this certification, HUD will interpret the severity of such inaccuracy in a manner that is consistent with the HUD Defect
Taxonomy in effect as of the date this mortgage is endorsed for insurance.
Mortgagee FLANAGAN STATE BANK
Name of Mortgagee's Representative
Title of Mortgagee's Representative
Signature of the Mortgagee's Representative Date
form HUD-92900-A (02/2020)

Page 4 of 4
HUD APPRAISED VALUE DISCLOSURE

I/We understand that my/our application for a FHA-insured mortgage is being processed under the Direct
Endorsement (DE) program. The Lender has advised me/us that the appraiser has assigned a value of
$ to the property being purchased. I am/We are aware that the final determination of
value for mortgage insurance purposes will be made by the DE underwriter after he/she reviews the report. It is
understood that I/we may elect to cancel the application or renegotiate with the seller if the DE underwriter reduces
the value below the amount set forth in the sales contract or requires additional repairs for which the seller will not
be responsible.
Salazar Campos
HUD APPRAISED VALUE DISCLOSURE

HAVD.LSR 01/30/20
Important Notice to Homebuyers U.S. Department of Housing OMB Approval No. 2502-0059
and Urban Development (Expires 12/31/2023)
Office of Housing - Federal
Housing Commissioner
You must read this entire document at the time you apply for the loan.
Return one copy to the mortgagee as proof of notification and keep one copy for your records.
Condition of Property
The property you are buying is not HUD/FHA approved and HUD/FHA does not warra nt t he condition or the value of the
property. An appraisal will be performed to estimate the value of the property, but this appraisal does not guarantee that
the house is free of defects. You should inspect the property yourself very carefully or hire a professional inspection service
to inspect the property for you.
Interest Rate and Discount Points d. Mortgagees may agree to guarantee or "lock-in" the
a. HUD does not regulate the interest rate or the loan terms for a definite period of time (i.e., 15, 30,
discount points that may be paid by you or the seller 60 days, etc.) or may permit your loan to be
or other third party. You should shop around to be determined by future market conditions, also known
sure you are satisfied with the loan terms offered and as "floating." Mortgagees may require a fee to lock in
with the service reputation of the mortgagee you the interest rate or the terms of the loan, but must
have chosen. provide a written agreement covering a minimum of
b. The interest rate, any discount points, and the length 15 days before the anticipated closing.
of time the mortgagee will honor the loan t erms are e. Your agreement with the mortgagee will determi ne
all negotiated between you and the mortgagee. the degree, if any, that the interest rate and discount
c. The seller can pay the discount points, or a portion points may rise before closing.
thereof, if you and the seller agree to such an f. If the mortgagee determines you are eligible for the
arrangement. mortgage, your agreement with the seller may require
you to complete the transaction or lose your deposit
on the property.
Don't Commit Loan Fraud h. Do not sign an incomplete or blank document; that is
It is important for you to understand that you are required to missing the name and address of the recipient or
provide complete and accurate information when applying for other important identifying information.
a mortgage loan.
a. Do not falsify information about your income or Penalties for Loan Fraud: Federal laws provide severe
assets. penalties for fraud, misrepresentation, or conspiracy to
b. Disclose all loans and debts (including money that may influence wrongly the issuance of mortgage insurance by
have been borrowed to make the down payment). HUD. You can be subject to a possibleprison term and fine
c. Do not provide false letters-of-cr edit, cash-on-hand of up to $10,000 for providing false information.
statements, gift letters or sweat equity letters. Additionally, you could be prohibited from obtaining a
d. Do not accept funds to be used for your down HUD-insured loan for an indefinite period.
payment from any other party (seller, real estate
salesperson, builder, etc.). Report Loan Fraud: If you are aware of any fraud in HUD
e. Do not falsely certify that a property will be used for programs or if an individual tries to persuade you to make
your primary residence w hen you are actually going false statements on a loan application, you should report the
to use it as a rental property. mat t er by calling your nearest HUD office or the HUD
f. Do not act as a "strawbuyer" (somebody who Regional Inspector General, or call the HUD Hot line on 1
purchases a property for another person and then (800) 347-3735.
t ransfers title of the property to that person), nor
should you give that person personal or credit Warning: It is a crime to knowingly make false statements to
information for them to use in any such scheme. t he United States Government on this or any similar form.
g. Do not apply for a loan by assuming the identity of Penalties upon conviction can include a fine and
another person. imprisonment. For details see: Title 18, U.S.C. §§ 1001 and
1010.
Discrimination
If you believe you have been subject to discrimination because of race, color, religion, sex, handicap, familial status, or
national origin, you should call HUD's Fair Housing & Equal Opportunity Complaint Hotline: 1 (800) 669-9777.
Previous editions are obsolete

form HUD-92900-B (2/2020) Page 1 of 2
About Prepayment FHA-to-FHA Refinance: When an FHA-insured loan is
This notice is to advise you of the requirements that must be refinanced; the refund from the old premium may be applied
followed to accomplish a prepayment of your mortgage, and toward the UFMIP required for the new loan.
t o prevent accrual of any interest after the date of
prepayment. How are Refunds Determined?
The FHA Commissioner determines how much of the UFMIP
You may prepay any or all of the outstanding indebtedness is refunded when loans are terminated. Refunds are based on
due under your mortgage at any time, without penalty. the number of months the loan is insured.
However, to avoid the accrual of interest on any prepayment,
the prepayment must be received on the installment due date Monthly Insurance Premiums
(the first day of the month) if the mort gagee stated this In addition to a UFMIP, you may also be charged a monthly
policy in its response to a request for a payoff figure. mortgage insurance premium. You will pay t he monthly
premium for either:
Otherwise , you may be required to pay interest on the
amount prepaid through the end of the month . The the first 11 years of the mortgage term, or the end of
the mortgage ter m, w hichever occurs first, if your
mortgagee can refuse to accept prepayment on any date
mortgage had an original principal obligation
other than the installment due date.
(excluding financed UFMIP) with a loan-to-value (LTV)
ratio of less than or equal to 90 percent; or
For all FHA mortgages closed on or after January 21, 2015,
mortgagees may only charge interest through the date the the first 30 years of the mortgage term, or the end of
mortgage is paid in full. the mortgage term, whichever occurs first, for any
mortgage involving an original principal obligation
FHA Mortgage Insurance Information (excluding financed UFMIP) with an LTV greater than
90 percent.
Who may be eligible for a refund?
Premium Refund: You may be eligible for a refund of a

portion of the insurance premium if you paid an upfront
mortgage insurance premium (UFMIP) at settlement and are
refinancing with another FHA mortgage.
Review your settlement papers or check with your mortgage

company to determine if you paid a UFMIP.
Exceptions:
Assumptions: When an FHA-insured loan is assumed the

insurance remains in force (the seller receives no refund). The
owner of the property at the time the insurance is terminated
is entitled to any refund.
Important: The rules governing the eligibility for premium refunds are based on the
financial status of the FHA insurance fund and are subject to change.
SI USTED HABLA ESPANOL Y TIENE DIFICULTAD LEYENDO O HABLANDO INGLES, POR FAVOR LLAME A ESTE NUMERO
TELEFONICO 800.697.6967.
You, the borrower, must be certain that you understand the transaction. Seek professional advice if you are uncertain.
Acknowledgment: I acknowledge that I have read and received a copy of this notice at the time of loan application. This
notice does not constitute a contract or binding agreement . It is designed to provide current HUD/FHA policy regarding
refunds.
Signature Date: Signature Date:

Signature Date: Signature Date:
Previous editions are obsolete

form HUD-92900-B (2/2020) Page 2 of 2
U.S. Department of OMB Approval No. 2502-0059
INFORMED CONSUMER Housing and Urban Development (exp. 12/31/2023)
CHOICE DISCLOSURE NOTICE Office of Housing Federal Housing Commissioner
Lenders are not required to use this specific form when making this disclosure. This form is provided as an example of what should be included in this disclosure.
Section 203(b)(2) of the National Housing Act requires a disclosure to assist borrowers in comparing the costs of a FHA-insured mortgage versus similar
conventional mortgages. This disclosure must be given to prospective borrowers that may qualify for both FHA-insured financing and a conventional mortgage
product. Public reporting burden for this disclosure is estimated to average 5 minutes per response including time for reviewing instructions, searching existing data
sources, gathering and maintaining data needed and completing and reviewing the collection of information. This agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless that collection displays a valid OMB control number.
In addition to an FHA-insured mortgage, you may also qualify for other mortgage products offered by your lender. To ensure that you
are aware of available financing options, your lender has prepared a comparison of the typical costs of alternative conventional
mortgage product(s), using representative loan amounts and costs. The loan amounts and associated costs shown below will vary
from your own mortgage loan transaction. You should study the comparison carefully, ask questions, and determine which product
is best for you. The information provided below was prepared as of FEBRUARY, 2021 .
Neither your lender nor FHA warrants that you actually qualify for any mortgage loan offered by your lender. This notice is provided
to you to identify the key differences between these mortgage products. This disclosure is nota contract and does not constitute
loan approval. Actual mortgage approval can only be made following a full underwriting analysis by your lender.
Mortgage Parameters FHA Financing Conventional Financing

203( b) Fixed Rate 95% with Mortgage Insurance
1. Sales Price $100,000 $100,000
2. Mortgage Amount $96,500 - $98,188 w/ Upfront $95,000

Mortgage Insurance Premium (UFMIP).
3. Closing Costs $2,000 $2,000
4. Down payment Needed $3,500 $5,000
5. Interest Rate and Term of Loan in Years 7.00%/30 Year Loan 7.00%/30 Year Loan
6. Monthly Payment (principal and interest only) $653.25 $632.04
7. Loan-to-Value (LTV) 96.5% 95%
8. Monthly Mortgage Insurance Premium (MIP) $108.50 $75.20
9. Maximum Number of Years of Monthly MIP 30 years Approximately 11 Years

Payments
10. UFMIP $1,688.00 (typically included in

mortgage amount, line 2)
1. The monthly MIP is calculated on the average annual principal balance, i.e., as the amount you owe on the loan decreases each year, so does
the amount of the monthly premium.
2. Based on an UFMIP rate of 1.75%, the total mortgage amount is $98,188.
3. Streamline refinances of FHA loans endorsed/insured by FHA prior to June 1, 2009 are subject to a reduced UFMIP of .01% and a reduced
annual MIP of .55% ($44.22 monthly for a loan amount of $96,500).
INFORMED CONSUMER CHOICE DISCLOSURE NOTICE

24 C.F.R. 203.10; FHA Handbook 4000.1
ICCDN.FHA 12/23/20 Page 1 of 2
FHA MORTGAGE INSURANCE PREMIUM INFORMATION
In addition to an UFMIP, you may also be charged a monthly MIP. You will pay the monthly premium for either:
the first 30 years of the mortgage term, or the end of the mortgage term, whichever occurs first, for any mortgage involving an
original principal obligation (excluding financed UFMIP) with a LTV greater than 90 percent; or
the first 11 years of the mortgage term, or the end of the mortgage term, whichever occurs first, if your mortgage had an original
principal obligation (excluding financed UFMIP) with a LTV ratio of less than or equal to 90 percent.
Please acknowledge receipt of a copy of this disclosure by signing below.
Applicant E l i z a b e t h M a r i n a S a l a z a r Date
Campos
INFORMED CONSUMER CHOICE DISCLOSURE NOTICE

24 C.F.R. 203.10; FHA Handbook 4000.1
ICCDN.FHA 12/23/20 Page 2 of 2
IOWA INTEREST REDUCTION FEE DISCLOSURE

Application Number:
Lender: FLANAGAN STATE BANK (NMLS # 408461)
Applicant(s): Elizabeth Marina Salazar Campos
If your loan application is approved, you may elect to pay an "interest reduction fee" (also referred to as a "payment reduction
fee" and more commonly known as "discount points"), in return for which the Lender will make the loan on all of the same
terms except at a lower interest rate and with lower payments resulting from that lower interest rate.
GOOD FAITH EXAMPLE

The following good faith example is based on a $100,000, 30-year fully-amortizing fixed rate loan and shows the amount of
the interest reduction fee and the reduction in payments which would result from the payment of this fee in a typical loan
transaction:
NO Interest Reduction Fee Payment WITH Interest Reduction Fee Payment

Interest Reduction Fee: $-0- Interest Reduction Fee: $2,000.00 =
two (2.00) points
Interest Rate: 7.000% Interest Rate: 6.250%
Monthly Payments: $665.30 Monthly Payments: $615.72
YOUR LOAN
The following is a description of the specific terms that your loan, if approved by the Lender, would have both with and
without the payment of an interest reduction fee:
NO Interest Reduction Fee Payment WITH Interest Reduction Fee Payment

Loan Amount: $ 155,138.00 Loan Amount: $ 155,138.00
Loan Term: 360 Loan Term: 360
Interest Reduction Fee: $-0- Interest Reduction Fee: $ 2,482.21 =

( 1.600 ) point(s)*
Interest Rate:** 3.375 % Interest Rate:** 3.125 %
Monthly Payments:*** $ 685.86 Monthly Payments:*** $ 664.57
* A "point" is equal to one percent (1%) of the loan amount.

** If this is an adjustable-rate mortgage (ARM) loan, this is the initial interest rate.
*** If this is an ARM loan, this is the initial monthly payment of principal and interest.

Iowa Code § 535.8
IAIRFD.MSC 12/17/19 Page 1 of 2
Please note that all payments shown above include principal and interest only, and do not include reserve deposits for taxes,
assessments, property and flood insurance and other items that may apply to your loan. Inquire as to the amounts of these
additional items, if any. All loan terms not subject to a "locked in" agreement between you and the Lender, including but not
limited to the interest rates, interest reduction fees and payments shown above, are subject to change prior to loan closing.
By signing below, each of the applicants acknowledges receipt of a copy of this Interest Reduction Disclosure. This is neither
a contract nor a commitment to lend.
Campos

Iowa Code § 535.8
IAIRFD.MSC 12/17/19 Page 2 of 2
NOTICE TO HOMEOWNER
ASSUMPTION OF HUD/FHA INSURED MORTGAGES
RELEASE OF PERSONAL LIABILITY
FHA Case Number:
You are legally obligated to make the monthly payments required by your mortgage (deed of trust) and promissory note.
The Department of Housing and Urban Development (HUD) has acted to keep investors and non-creditworthy purchasers
from acquiring one-to-four family residential properties covered by certain FHA-insured mortgages. There are minor
exceptions to the restriction on investors: loans to public agencies and some non-profit organizations, Indian tribes or
servicepersons; and loans under special mortgage insurance programs for property sold by HUD, rehabilitation loans or
refinancing of insured mortgages. Your lender can advise you if you are included in one of these exceptions.
HUD will therefore direct the lender to accelerate this FHA-insured mortgage loan if all or part of the property is sold
or transferred to a purchaser or recipient (1) who will not occupy the property as his or her principal residence, or (2) who does
occupy the property but whose credit has not been approved in accordance with HUD requirements. This policy will apply
except for certain sales or transfers where acceleration is prohibited by law.
When a loan is accelerated, the entire balance is declared "immediately due and payable." Since HUD will not approve
the sale of the property covered by this mortgage to an investor or to a person whose credit has not been approved, you, the
original homeowner, would remain liable for the mortgage debt even though the title to the property might have been
transferred to the new buyer.
Even if you sell your home by letting an approved purchaser (that is, a creditworthy owner-occupant) assume your
mortgage, you are still liable for the mortgage debt unless you obtain a release from liability from your mortgage lender. FHA-
approved lenders have been instructed by HUD to prepare such a release when an original homeowner sells his or her property
to a creditworthy purchaser who executes an agreement to assume and pay the mortgage debt and thereby agrees to become
the substitute mortgagor. The release is contained in Form HUD-92210-1, ("Approval of Purchaser and Release of Seller").
You should ask for it if the mortgage lender does not provide it to you automatically when you sell your home to a
creditworthy owner-occupant purchaser who executes an agreement to assume personal liability for the debt. When this form
is executed, you are no longer liable for the mortgage debt.
You must sign and date this Notice as indicated, return one copy to your lender as proof of notification and keep one copy
for your records.
Campos
Instruction to Lender: A Copy of this Notice must be given to the mortgagor(s) on or before the date of settlement. You
should retain a signed copy in the origination file.
NOTICE TO HOMEOWNER
HUDASS.LSR 02/13/20
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE

FLANAGAN STATE BANK

YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Your Credit Score
Your credit score 617

Source: Equifax Date: 01/29/2021
Understanding Your Credit Score
What you should know Your credit score is a number that reflects the information in your credit report.
about credit scores
Your credit report is a record of your credit history. It includes information about whether you
pay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
How we use your Your credit score can affect whether you can get a loan and how much you will have to pay for
credit score that loan.
The range of scores Scores range from a low of 280 to a high of 850 .
Generally, the higher your score, the more likely you are to be offered better credit terms.
How your score 28.0

compares to the scores Your credit score ranks higher than percent of U.S. consumers.
of other consumers
Derogatory public record or collection filed
Key factors that Length of time accounts have been established
adversely affected Too many inquiries within the last 12 months
your credit score
Length of time since derogatory public record or collection is
too short
Initial: _________

FCRA Section 615(h); 15 USC § 1681m(h);
12 CFR 1022.74(d)
RMCSD.MSC 08/20/20 Page 1

FLANAGAN STATE BANK

Your Credit Score

Source: Experian Date: 01/29/2021
about credit scores
How your score 40.0

of other consumers
adversely affected Too many inquiries last 12 months
your credit score
Proportion of loan balances to loan amounts is too high
Initial: _________

12 CFR 1022.74(d)

FLANAGAN STATE BANK

Your Credit Score

Source: TransUnion Date: 01/29/2021
about credit scores
How your score 28.0

of other consumers
adversely affected Proportion of balances to credit limits is too high on bank
your credit score
revolving or other revolving accounts
Time since delinquency is too recent or unknown
IN ADDITION TO THE FACTORS LISTED, THE NUMBER OF INQUIRIES ON
THE CONSUMER'S CREDIT FILE HAS ADVERSELY AFFECTED THE CREDIT
SCORE.
Initial: _________

12 CFR 1022.74(d)
Checking Your Credit Report
What if there are You have a right to dispute any inaccurate information in your credit report. If you find
mistakes in your mistakes on your credit report, contact the consumer reporting agency.
credit report?
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a Under federal law, you have the right to obtain a free copy of your credit report from each of
copy of your credit the nationwide consumer reporting agencies once a year.
report?
To order your free annual credit report:
By telephone: Call toll-free: 1-877-322-8228
On the web: Visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form (which you can
obtain from the Federal Trade Commission's website at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281
How can you get For more information about credit reports and your rights under federal law, visit the Consumer
more information? Financial Protection Bureau's website at www.consumerfinance.gov/learnmore.
NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting
agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit
scores.
The credit score is a computer generated summary calculated at the time of the request and based on information that
a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment
patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.
They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over
time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies
change.
Because the score is based on information in your credit history, it is very important that you review the credit-related
information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
Initial: _________
12 CFR 1022.74(d) Page 4
RMCSD.MSC 08/20/20
If you have questions about your credit score or the credit information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided below:
Equifax
P.O. BOX 740241
ATLANTA, GA 30374
(800)685-1111
Experian
P.O. BOX 4500
ALLEN, TX 75013
(888)397-3742
TransUnion
P.O. BOX 1000
CHESTER, PA 19016
(800)916-8800
Initial: _________
12 CFR 1022.74(d) Page 5
RMCSD.MSC 08/20/20
RISK-BASED PRICING NOTICE

FLANAGAN STATE BANK

YOUR CREDIT REPORT(S) AND THE PRICE YOU PAY FOR CREDIT
What is a credit report? A credit report is a record of your credit history. It includes information about
whether you pay your bills on time and how much you owe to creditors.
How did we use your credit report(s)? We used information from your credit report(s) to set the terms of the credit
we are offering you, such as the Annual Percentage Rate.
The terms offered to you may be less favorable than the terms offered to
consumers who have better credit histories.
What if there are mistakes in your You have a right to dispute any inaccurate information in your credit report(s).
credit report(s)?
If you find mistakes on your credit report(s), contact:
X Equifax Credit Information Services

P.O. BOX 740241
ATLANTA, GA 30374
To order report: (800)685-1111
To report fraud: (888)766-0008
web site: www.equifax.com
X TransUnion Consumer Disclosure Center

P.O. BOX 1000
CHESTER, PA 19016
web site: www.transunion.com
X Experian National Consumer Assistance Center

P.O. BOX 4500
ALLEN, TX 75013
web site: www.experian.com
which is/are the consumer reporting agency(ies) from which we obtained your
credit report(s).
It is a good idea to check your credit report(s) to make sure the information it
contains/they contain is accurate.

FCRA Section 615(h); 15 USC § 1681m(h); 12 CFR Sections 1022.70-75
RBPN.MSC 01/09/17 Page 1 of 2
How can you obtain a copy of your Under federal law, you have the right to obtain a copy of your credit report(s)
credit report(s)? without charge for 60 days after you receive this notice. To obtain your free
report(s), contact:
X Equifax Credit Information Services

By telephone: Call toll-free: (800)685-1111
By mail: Mail your written request to:
P.O. BOX 740241
ATLANTA, GA 30374
On the web: Visit www.equifax.com
X TransUnion Consumer Disclosure Center

P.O. BOX 1000
CHESTER, PA 19016
On the web: Visit www.transunion.com
X Experian National Consumer Assistance Center

P.O. BOX 4500
ALLEN, TX 75013
On the web: Visit www.experian.com
How can you get more information For more information about credit reports and your rights under federal law,
about credit report(s)? visit the Consumer Financial Protection Bureau's website at
www.consumerfinance.gov/learnmore.

FCRA Section 615(h); 15 USC § 1681m(h); 12 CFR Sections 1022.70-75
RBPN.MSC 01/09/17 Page 2 of 2
Your home loan toolkit

A step-by-step guide
Consumer Financial
Protection Bureau
Page 1
How can this toolkit help you?

Buying a home is exciting and, let’s face it, complicated. This booklet is a toolkit
that can help you make better choices along your path to owning a home.
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You’ll know the most important steps you need to take to
get the best mortgage for your situation Section 1: Page 3
You’ll better understand your closing costs and what

it takes to buy a home Section 2: Page 16
You’ll see a few ways to be a successful homeowner Section 3: Page 24
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and fairly enforcing those rules, and by empowering consumers to take more
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submit a complaint to the CFPB. We’ll forward your complaint to the company
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submit a complaint or call us at (855) 411-2372.
1
Page 2
This booklet was created to comply with federal law pursuant to 12 U.S.C. 2604,
12 CFR 1024.6, and 12 CFR 1026.19(g).
2 YOUR HOME LOAN TOOLKIT

Page 3
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7. Choose your mortgage
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mortgage payment plus the other costs of homeownership such 8. Avoid pitfalls and handle
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SECTION 1: CHOOSING THE BEST MORTGAGE FOR YOU 3

Page 4
KNOW YOUR NUMBERS

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Think about what an affordable home loan looks like for you. These worksheets can help. First,
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spend on the rest of your monthly expenses.
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Page 5
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Page 6
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likely pay more for your mortgage. and wait to buy a home, you will likely
save money. Some people who improve
Most credit scoring models are built their credit save $50 or $100 on a typical
so you can shop for a mortgage within monthly mortgage payment.
a certain period—generally between
14 days and 45 days—with little or An average consumer who adopts
no impact on your score. If you shop healthy credit habits, such as paying
outside of this period, any change bills on time and paying down credit
triggered by shopping should be cards, could see a credit score
minor—a small price to pay for saving improvement in three months or more.
money on a mortgage loan.
YOUR CHOICE
&KHFNRQH
I will go with the credit I have. OR I will wait a few months or more
and work to improve my credit.

Page 7
3. 3LFN WKe PorWJDJe WySeŋƓ[eG or DGMuVWDbOeŋWKDW

ZorNV for you
With a Ɠ[eGrDWe PorWJDJe, your principal and interest payment stays the same for
as long as you have your loan.
&RQVLGHUDƓ[HGUDWHPRUWJDJHLI\RXZDQWDSUHGLFWDEOHSD\PHQW
<RXPD\EHDEOHWRUHƓQDQFHODWHULILQWHUHVWUDWHVIDOORU\RXUFUHGLWRUƓQDQFLDO
situation improves.
With an DGMuVWDbOerDWe PorWJDJe $50, your payment often starts out lower TIP
WKDQZLWKDƓ[HGUDWHORDQEXW\RXUUDWHDQGSD\PHQWFRXOGLQFUHDVHTXLFNO\,WLV 0DQy
important to understand the trade-offs if you decide on an ARM. borroZerV
ZLWK $50V
Your payment could increase a lot, often by hundreds of dollars a month. uQGereVWLPDWe
KoZ PuFK
0DNHVXUH\RXDUHFRQƓGHQW\RXNQRZZKDW\RXUPD[LPXPSD\PHQWFRXOGEH WKeLr LQWereVW
and that you can afford it. rDWeV FDQ rLVe
Planning to sell your home within a short period of time? That’s one reason some
people consider an ARM. But, you probably shouldn’t count on being able to sell
RUUHƓQDQFH<RXUƓQDQFLDOVLWXDWLRQFRXOGFKDQJH+RPHYDOXHVPD\JRGRZQRU
interest rates may go up.
You can learn more about ARMs in the Consumer Handbook on Adjustable Rate
Mortgages (ƓOeVFoQVuPerƓQDQFeJoYfBFfSbBbooNOeWBFKDrPSGf) or by
visiting FoQVuPerƓQDQFeJoYoZQLQJDKoPe.
YOUR CHOICE
&KHFNRQH
,SUHIHUDƓ[HGUDWHPRUWJDJH OR I prefer an adjustable-rate mortgage.
&KeFN for rLVNy OoDQ feDWureV

Some loans are safer and more predictable than others. It is a good idea to make
sure you are comfortable with the risks you are taking on when you buy your home.
<RXFDQƓQGRXWLI\RXKDYHFHUWDLQW\SHVRIULVN\ORDQIHDWXUHVIURPWKH/RDQ
7HUPVVHFWLRQRQWKHƓUVWSDJHRI\RXU/RDQ(VWLPDWH
A bDOOooQ SDyPeQW is a large payment you must make, usually at the end of your
loan repayment period. Depending on the terms of your loan, the balloon payment
could be as large as the entire balance on your mortgage.
A SreSDyPeQW SeQDOWyLVDQDPRXQW\RXKDYHWRSD\LI\RXUHƓQDQFHRUSD\RII\RXU
loan early. A prepayment penalty may apply even if you sell your home.

Page 8
4. &KooVe WKe rLJKW GoZQ SDyPeQW for you

A down payment is the amount you pay toward the home yourself. You put a percentage
of the home’s value down and borrow the rest through your mortgage loan.
YOUR CHOICE
&KHFNRQH
YOUR DOWN PAYMENT WHAT THAT MEANS FOR YOU
I will put down 20% A 20% or higher down payment likely provides the best rates and most
or more. options. However, think twice if the down payment drains all your savings.
I will put down You probably have to pay higher interest rates or fees. Lenders most
between 5% likely require SrLYDWe PorWJDJe LQVurDQFe 30,. PMI is an insurance
and 19%. policy that lets you make a lower down payment by insuring the lender
against loss if you fail to pay your mortgage.
Keep in mind when you hear about “no PMI” offers that doesn’t mean zero
cost. No PMI offers often have higher interest rates and may also require
you to take out a second mortgage. Be sure you understand the details.
I will make no down Low down payment programs are typically more expensive because
payment or a small they may require mortgage insurance or a higher interest rate. Look
one of less than 5%. closely at your total fees, interest rate, and monthly payment when
comparing options.
Ask about loan programs such as:
Conventional loans that may offer low down payment options.

FHA, which offers a 3.5% down payment program.
VA, which offers a zero down payment option for qualifying veterans.
USDA, which offers a similar zero down payment program for eligible
borrowers in rural areas.
7Ke DGYDQWDJeV of SreSDyPeQW TIP
3reSDyPeQW is when you make additional mortgage payments so you pay down 3reSDyPeQW
your mortgage early. This reduces your overall cost of borrowing, and you may LV your FKoLFe
<ou GoQōW KDYe
be able to cancel your private mortgage insurance early and stop paying the Wo VLJQ uS for D
premium. Especially if your down payment is less than 20%, it may make sense to SroJrDP or SDy
make additional payments to pay down your loan earlier. D fee Wo VeW LW uS

Page 9
5. 8QGerVWDQG WKe WrDGeoff beWZeeQ SoLQWV

DQG LQWereVW rDWe
3oLQWVDUHDSHUFHQWDJHRIDORDQDPRXQW)RUH[DPSOHZKHQDORDQRIƓFHUWDONVDERXW
RQHSRLQWRQDORDQWKHORDQRIƓFHULVWDONLQJDERXWRQHSHUFHQWRIWKHORDQ
which equals $1,000. Lenders offer different interest rates on loans with different
points. There are three main choices you can make about points. You can decide you
don’t want to pay or receive points at all. This is called a ]ero SoLQW OoDQ. You can pay
points at closing to receive a lower interest rate. Or you can choose to have points paid
to you (also called OeQGer FreGLWV) and use them to cover some of your closing costs.
The example below shows the trade-off between points as part of your closing
costs and interest rates. In the example, you borrow $180,000 and qualify for a
\HDUƓ[HGUDWHORDQDWDQLQWHUHVWUDWHRIZLWK]HURSRLQWV5DWHVFXUUHQWO\
available may be different than what is shown in this example.
COMPARE THREE SCENARIOS OF HOW POINTS AFFECT INTEREST RATE
RATE 4.875% 5.0% 5.125%
POINTS +0.375 0 -0.375
YOUR You plan to keep your <RXDUHVDWLVƓHG You don’t want to pay a
SITUATION mortgage for a long time. with the market rate lot of cash upfront and
You can afford to pay without points in you can afford a larger
more cash at closing. either direction. mortgage payment.
YOU MAY Pay points now and get Zero points. Pay a higher interest rate
CHOOSE a lower interest rate. This and get a lender credit
will save you money over toward some or all of your
the long run. closing costs.
WHAT You might agree to pay With no You might agree to a

THAT $675 more in closing adjustments in higher rate of 5.125%, in
MEANS
costs, in exchange for a either direction, exchange for $675 toward
lower rate of 4.875%. it is easier to your closing costs.
understand what
Now: You pay $675 you’re paying and Now: You get $675
Over the life of the loan: to compare prices. Over the life of the loan:
Pay $14 less each month Pay $14 more each month

Page 10
6. 6KoS ZLWK VeYerDO OeQGerV

<RXōYHƓJXUHGRXWZKDWDIIRUGDEOHPHDQVIRU\RX<RXōYHUHYLHZHG\RXUFUHGLW TIP
DQGWKHNLQGRIPRUWJDJHDQGGRZQSD\PHQWWKDWEHVWƓWV\RXUVLWXDWLRQ1RZLV $ OoDQ ofƓFer LV
the time to start shopping seriously for a loan. The work you do here could save QoW QeFeVVDrLOy
VKoSSLQJ oQ
you thousands of dollars over the life of your mortgage.
your beKDOf or
SroYLGLQJ you
GATHER FACTS AND COMPARE COSTS ZLWK WKe beVW ƓW
or OoZeVW FoVW
0DNe D OLVW of VeYerDO OeQGerV you ZLOO VWDrW ZLWK OoDQ
Mortgages are typically offered by community banks, credit unions, mortgage
EURNHUVRQOLQHOHQGHUVDQGODUJHEDQNV7KHVHOHQGHUVKDYHORDQRIƓFHUV\RX TIP
can talk to about your situation.
,W LV LOOeJDO
*eW WKe fDFWV froP WKe OeQGerV oQ your OLVW for D OeQGer
Wo SDy D OoDQ
Find out from the lenders what loan options they recommend for you, and the ofƓFer Pore Wo
FRVWVDQGEHQHƓWVIRUHDFK)RUH[DPSOH\RXPLJKWƓQGDGLVFRXQWLVRIIHUHG VWeer you LQWo
for borrowers who have completed a home buyer education program. D KLJKer FoVW
OoDQ
*eW DW OeDVW WKree offerVŋLQ ZrLWLQJŋVo WKDW you FDQ FoPSDre WKeP
Review the decisions you made on pages 4 to 8 to determine the loan type, down
payment, total monthly home payment and other features to shop for. Now ask at
least three different lenders to give you a /oDQ (VWLPDWe, which is a standard form
showing important facts about the loan. It should be sent to you within three days,
and it shouldn’t be expensive. Lenders can charge you only a small fee for getting
your credit report—and some lenders provide the Loan Estimate without that fee.
&oPSDre 7oWDO /oDQ &oVWV

Review your Loan Estimates and compare Total Loan Costs, which you can see
under 6HFWLRQ' at the bottom left of the second page of the Loan Estimate. 7oWDO
/oDQ &oVWV include what your lender charges to make the loan, as well as costs for
services such as appraisal and title. The third page of the Loan Estimate shows the
$QQuDO 3erFeQWDJe 5DWe (APR), which is a measure of your costs over the loan term
expressed as a rate. Also shown on the third page is the 7oWDO ,QWereVW 3erFeQWDJe
(TIP), which is the total amount of interest that you pay over the loan term as a
percentage of your loan amount. <ou FDQ uVe $35 DQG 7,3 Wo FoPSDre OoDQ offerV
RESEARCH STARTER
Loan costs can vary widely from lender to lender, so this is one place where a little
research may help you save a lot of money. Here’s how:
Ask real estate and title professionals about average costs in your area.
Learn more about loan costs, and get help comparing options, at
FoQVuPerƓQDQFeJoYoZQLQJDKoPe.

Page 11
THE TALK
Talking to different lenders helps you to know what options are available
and to feel more in control. Here is one way to start the conversation:
ŏ7KLV PorWJDJe LV D bLJ GeFLVLoQ DQG , ZDQW Wo JeW LW rLJKW $QoWKer OeQGer
LV offerLQJ Pe D GLffereQW OoDQ WKDW PDy FoVW OeVV /eWōV WDON DbouW ZKDW WKe
GLffereQFeV Dre DQG ZKeWKer you PDy be DbOe Wo offer Pe WKe beVW GeDOŐ
TRACK YOUR LOAN OFFERS

)LOOLQWKHEODQNVIRUWKHVHLPSRUWDQWIDFWRUV
LOAN OFFER 1 LOAN OFFER 2 LOAN OFFER 3
Lender name
Loan amount $ $ $
Interest rate % % %
Fixed Fixed Fixed

Adjustable Adjustable Adjustable
Monthly principal and interest $ $ $
Monthly mortgage insurance $ $ $
Total Loan Costs

6HHVHFWLRQ'RQWKHVHFRQG $ $ $
SDJHRI\RXU/RDQ(VWLPDWH
My best loan offer is:

Page 12
7. &KooVe your PorWJDJe

You’ve done a lot of hard work to get this far! Now it is time to make your call.
CONFIRM YOUR DECISION

&KHFNWKHER[LI\RXDJUHHZLWKWKHVWDWHPHQW
I can repay this loan.
I am comfortable with my monthly payment.
I shopped enough to know this is a good deal for me.
There are no risky features such as a balloon payment or prepayment

penalty I can’t handle down the road.
I know whether my principal and interest payment will increase in the future.
Still need advice? The U.S. Department of Housing and Urban Development
(HUD) sponsors housing counseling agencies throughout the country to provide
IUHHRUORZFRVWDGYLFH7RƓQGD+8'DSSURYHGKRXVLQJFRXQVHORUYLVLW
FoQVuPerƓQDQFeJoYƓQGDKouVLQJFouQVeOor or call HUD’s interactive voice
system at (800) 569-4287.
,QWeQW Wo SroFeeG
When you receive a Loan Estimate, the lender has not yet approved or denied
your loan. Up to this point, they are showing you what they expect to offer if you
decide to move forward with your application. You have not committed to this
OHQGHU,QIDFW\RXDUHQRWFRPPLWWHGWRDQ\OHQGHUEHIRUH\RXKDYHVLJQHGƓQDO
closing documents.
2QFH\RXKDYHIRXQG\RXUEHVWPRUWJDJHWKHQH[WVWHSLVWRWHOOWKHORDQRIƓFHU
you want to proceed with that mortgage application. This is called expressing your
LQWeQW Wo SroFeeG. Lenders have to wait until you express your intent to proceed
before they require you to pay an application fee, appraisal fee, or most other fees.
5DWe OoFN
Your Loan Estimate may show a rate that has been “locked” or a rate that is
ŏŴRDWLQJŐZKLFKPHDQVLWFDQJRXSRUGRZQ0RUWJDJHLQWHUHVWUDWHVFKDQJHGDLO\
sometimes hourly. A rDWe OoFN sets your interest rate for a period of time. Rate locks
are typically available for 30, 45, or 60 days, and sometimes longer.

Page 13
7KHLQWHUHVWUDWHRQ\RXU/RDQ(VWLPDWHLVQRWDJXDUDQWHH,I\RXUUDWHLVŴRDWLQJ
and it is later locked, your interest rate will be set at that later time. Also, if there are
FKDQJHVLQ\RXUDSSOLFDWLRQŋLQFOXGLQJ\RXUORDQDPRXQWFUHGLWVFRUHRUYHULƓHG
income—your rate and terms will probably change too. In those situations, the
lender gives you a revised Loan Estimate.
There can be a downside to a rate lock. It may be expensive to extend if your

transaction needs more time. And, a rate lock may lock you out of better market
pricing if rates fall.
THE TALK
5DWHORFNSROLFLHVYDU\E\OHQGHU&KRRVLQJWRORFNRUŴRDW\RXUUDWH
can make an important difference in your monthly payment. To avoid
surprises, ask:
ŏ:KDW GoeV LW PeDQ Lf , OoFN Py rDWe WoGDy"Ő
ŏ:KDW rDWe OoFN WLPe frDPe GoeV WKLV /oDQ (VWLPDWe SroYLGe"Ő
ŏ,V D VKorWer or OoQJer rDWe OoFN DYDLODbOe DQG DW ZKDW FoVW"Ő
ŏ:KDW Lf Py FOoVLQJ LV GeODyeG DQG WKe rDWe OoFN e[SLreV"Ő
ŏ,f , OoFN Py rDWe Dre WKere DQy FoQGLWLoQV uQGer ZKLFK Py rDWe FouOG
VWLOO FKDQJe"Ő

Page 14
8. $YoLG SLWfDOOV
WHAT NOT TO DO WHY?
Don’t sign documents where You are agreeing to repay a substantial amount of money over
important details are left an extended period of time. Make sure you know what you are
blank or documents you getting into and protect yourself from fraud.
don’t understand.
Don’t assume you are on HUD-approved housing counselors can help you navigate
your own. WKHSURFHVVDQGƓQGSURJUDPVDYDLODEOHWRKHOSƓUVWWLPH
homebuyers.
<RXFDQƓQGD+8'DSSURYHGKRXVLQJFRXQVHORULQ\RXUDUHDDW
FoQVuPerƓQDQFeJoYƓQGDKouVLQJFouQVeOor or call HUD’s
interactive voice system at (800) 569-4287.
Don’t take on more Make certain that you want the loan that you are requesting and
mortgage than you want that you are in a position to live up to your end of the bargain.
or can afford.
'RQōWFRXQWRQUHƓQDQFLQJ If you are not comfortable with the loan offered to you, ask
and don’t take out a loan if your lender if there is another option that works for you. Keep
you already know you will ORRNLQJXQWLO\RXƓQGWKHULJKWORDQIRU\RXUVLWXDWLRQ
have to change it later.
Don’t fudge numbers You are responsible for an accurate and truthful application. Be
or documents. upfront about your situation. Mortgage fraud is a serious offense.
Don’t hide important Hiding negative information may delay or derail your
ƓQDQFLDOLQIRUPDWLRQ loan application.

Page 15
+DQGOe SrobOePV
WHAT HAPPENED WHAT TO DO ABOUT IT
I have experienced a problem Ask to talk to a supervisor. It may be a good idea to talk to
with my loan application or WKHORDQRIƓFHUƓUVWDQGLI\RXDUHQRWVDWLVƓHGDVNWRVSHDN
KRZP\ORDQRIƓFHULV with a supervisor.
treating me.
I think I was unlawfully The Fair Housing Act and Equal Credit Opportunity Act prohibit
discriminated against when housing and credit discrimination. If you think you have been
I applied for a loan or when discriminated against during any part of the mortgage process,
I tried to buy a home. you can submit a complaint and describe what happened. To
do so, you can call the Consumer Financial Protection Bureau at
(855) 411-2372 or visit FoQVuPerƓQDQFeJoYFoPSODLQW. Submit
a complaint to the U.S. Department of Housing and Urban
Development (HUD) by calling (800) 669-9777, TTY (800) 927-
2UƓOHDFRPSODLQWRQOLQHDW+8'JoY.
<RXFDQƓQGPRUHLQIRUPDWLRQDERXW\RXUULJKWVDQGKRZWRVXEPLW
a complaint with the CFPB at FoQVuPerƓQDQFeJoYfDLrOeQGLQJ.
I have a complaint. Submit a complaint to the Consumer Financial Protection

Bureau if you have problems at any stage of the mortgage
application or closing process, or later if you have problems
making payments or become unable to pay. You can call (855)
411-2372 or visit FoQVuPerƓQDQFeJoYFoPSODLQW.
I think I may have been the Don’t believe anyone who tells you they are your “only chance
victim of a predatory lender to get a loan,” or that you must “act fast.” Learn the warning
or a loan fraud. signs of predatory lending and protect yourself. Find more
information at SorWDOKuGJoYKuGSorWDO+8'"VrF SroJrDPB
ofƓFeVKouVLQJVfKKFF2+&B35('/(1'2+&B/2$1)5$8'.
<RXFRXOGOHDUQPRUHDERXW\RXUORDQRIƓFHUDW
QPOVFoQVuPerDFFeVVorJ.

Page 16
<our FOoVLQJ
You’ve chosen a mortgage. Now it’s time to IN THIS SECTION
select and work with your closing agent. 1. Shop for mortgage closing
services
Once you’ve applied for a mortgage, you may 2. Review your revised Loan
feel like you’re done. But mortgages are Estimate
complicated and you still have choices to make. 3. Understand and use your
Closing Disclosure
1. 6KoS for PorWJDJe FOoVLQJ VerYLFeV

Once you’ve decided to move forward with a lender based on the Loan Estimate, TIP
you are ready to shop for the FOoVLQJ DJeQW who gathers all the legal documents, 6eWWOePeQW
closes the loan, and handles the money involved in your purchase. After you VerYLFeV PDy
apply for a loan, your lender gives you a list of companies that provide closing feeO OLNe D GroS
LQ WKe buFNeW
services. You may want to use one of the companies on the list. Or, you may be FoPSDreG Wo
able to choose companies that are not on the list if your lender agrees to work with WKe FoVW of WKe
your choice. The seller cannot require you to buy a title insurance policy from a KoPe %uW LQ
VoPe VWDWeV
particular title company. borroZerV ZKo
VKoS DrouQG
PDy VDYe
&OoVLQJ DJeQW KuQGreGV of
GoOODrV
In most of the country, a settlement agent does your closing. In other states,
particularly several states in the West, the person is known as an escrow agent. And
in some states, particularly in the Northeast and South, an attorney may be required.
RESEARCH STARTER
When you compare closing agents, look at both cost and customer service.
Ask your real estate professional and your friends. These people may know
companies they would recommend. Be sure to ask how that company handled
problems and if they have a good reputation.

Page 17
Review the list of companies your lender gave you. Select a few companies
on the list and ask for references from people who recently bought a home.
Ask those people how the company handled problems that came up during
the transaction.
7LWOe LQVurDQFe
When you purchase your home, you receive a document most often called a deed,
which shows the seller transferred their legal ownership, or “title,” to the home to
you. 7LWOe LQVurDQFe can provide protection if someone later sues and says they
have a claim against the home. Common claims come from a previous owner’s
failure to pay taxes or from contractors who say they were not paid for work done
on the home before you purchased it.
Most lenders require a /eQGerōV 7LWOe ,QVurDQFe policy, which protects the amount
they lent. You may want to buy an 2ZQerōV 7LWOe ,QVurDQFe policy, which protects
\RXUƓQDQFLDOLQYHVWPHQWLQWKHKRPH7KH/RDQ(VWLPDWH\RXUHFHLYHOLVWVWKH
Owner’s Title Insurance policy as optional if your lender does not require the policy
as a condition of the loan.
Depending on the state where you are buying your home, your title insurance
company may give you an itemized list of fees at closing. This itemized list may be
required under state law and may be different from what you see on your Loan
Estimate or Closing Disclosure. That does not mean you are being charged more.
If you add up all the title-related costs your title insurance company gives you, it
should match the totals of all the title-related costs you see on your Loan Estimate
or Closing Disclosure. When comparing costs for title insurance, make sure to
compare the bottom line total.
+oPe LQVSeFWor DQG KoPe DSSrDLVer

When you are considering buying a home, it is smart to check it out carefully to see if
it is in good condition. The person who does this for you is called a KoPe LQVSeFWor.
The inspector works for you and should tell you whether the home you want to
buy is in good condition and whether you are buying a “money pit” of expensive
UHSDLUV*HW\RXULQVSHFWLRQEHIRUH\RXDUHƓQDOO\FRPPLWWHGWREX\WKHKRPH
A home inspector is different from a KoPe DSSrDLVer. The appraiser is an

independent professional whose job is to give the lender an estimate of the home’s
market value. You are entitled to a copy of the appraisal prior to your closing. This
allows you to see how the price you agreed to pay compares to similar and recent
property sales in your area.
SECTION 2: YOUR CLOSING 17

Page 18
2. 5eYLeZ your reYLVeG /oDQ (VWLPDWe

When important information changes, your lender is required to give you a new
Loan Estimate that shows your new loan offer.
It is illegal for a lender to quote you low fees and costs for its services on your
Loan Estimate and then surprise you with much higher costs in a revised Loan
Estimate or Closing Disclosure. However, a lender may change the fees it quotes
you for its services if the facts on your application were wrong or changed, you
asked for a change, your lender found you did not qualify for the original loan
offer, or your Loan Estimate expired.
Here are common reasons why your Loan Estimate might change:
You decided to change loan programs or the amount of your down payment.
The appraisal on the home you want to buy came in higher or lower
than expected.
You took out a new loan or missed a payment and that has changed your credit.
Your lender could not document your overtime, bonus, or other income.
THE TALK
If your Loan Estimate is revised you should look it over to see what
changed. Ask your lender:
ŏ&DQ you e[SODLQ ZKy , reFeLYeG D QeZ /oDQ (VWLPDWe"Ő
ŏ+oZ LV Py OoDQ WrDQVDFWLoQ GLffereQW froP ZKDW , ZDV orLJLQDOOy

e[SeFWLQJ"Ő
ŏ+oZ GoeV WKLV FKDQJe Py OoDQ DPouQW LQWereVW rDWe PoQWKOy SDyPeQW
FDVK Wo FOoVe DQG oWKer OoDQ feDWureV"Ő

Page 19
3. 8QGerVWDQG DQG uVe your &OoVLQJ 'LVFOoVure

You’ve chosen a home you want to buy and your offer has been accepted. You’ve
also applied for and been approved for a mortgage. Now you are ready to take
legal possession of the home and promise to repay your loan.
$WOHDVWWKUHHGD\VEHIRUH\RXUFORVLQJ\RXVKRXOGJHW\RXURIƓFLDO&OoVLQJ 'LVFOoVure,
ZKLFKLVDƓYHSDJHGRFXPHQWWKDWJLYHV\RXPRUHGHWDLOVDERXW\RXUORDQLWVNH\
terms, and how much you are paying in fees and other costs to get your mortgage and
buy your home.
Many of the costs you pay at closing are set by the decisions you made when you
were shopping for a mortgage. Charges shown under “services you can shop for”
may increase at closing, but generally by no more than 10% of the costs listed on
\RXUƓQDO/RDQ(VWLPDWH
The Closing Disclosure breaks down your closing costs into two big categories:
YOUR LOAN COSTS OTHER COSTS
The lender’s 2rLJLQDWLoQ &oVWV to make or Property taxes.

“originate” the loan, along with application
fees and fees to underwrite your loan. Homeowner’s insurance premiums. You can
8QGerZrLWLQJ is the lender’s term for making shop around for homeowner’s insurance
VXUH\RXUFUHGLWDQGƓQDQFLDOLQIRUPDWLRQ from your current insurance company, or
is accurate and you meet the lender’s PDQ\RWKHUVXQWLO\RXƓQGWKHFRPELQDWLRQ
requirements for a loan. of premium, coverage, and customer service
WKDWƓWV\RXUVLWXDWLRQ<RXUOHQGHUZLOODVN
Discount points—that is, additional money you for proof you have an insurance policy on
you pay up front to reduce your interest rate. your new home.
Services you shopped for, such as your Any portion of your total mortgage payment
closing or settlement agent and related \RXPXVWPDNHEHIRUH\RXUƓUVWIXOOSD\PHQW
title costs. is due.
Services your lender requires for your loan. Flood insurance, if required.
These include appraisals and credit reports.
RESEARCH STARTER
Get tips, a step-by-step checklist, and help with the rest of the documents you’ll
see at closing at FoQVuPerƓQDQFeJoYoZQLQJDKoPe.

Page 20
This form is a statement of final loan terms and closing costs. Compare this
:KDW LV your &OoVLQJ Closing Disclosure document with your Loan Estimate.
'LVFOoVure" Closing Information

Date Issued 4/15/2013
Transaction Information
Borrower Michael Jones and Mary Stone
Loan Information
Loan Term 30 years
Closing Date 4/15/2013 123 Anywhere Street Purpose Purchase
7KHƓYHSDJH&ORVLQJ Disbursement Date

Settlement Agent
4/15/2013
Epsilon Title Co. Seller
Anytown, ST 12345
Steve Cole and Amy Doe
Product Fixed Rate
File # 12-3456 321 Somewhere Drive Loan Type x Conventional FHA

Disclosure sums up the terms Property 456 Somewhere Ave
Anytown, ST 12345 Lender
Anytown, ST 12345
Ficus Bank Loan ID #
VA _____________
123456789
of your loan and what you

Sale Price $180,000 MIC # 000654321
pay at closing. You can easily Loan Terms Can this amount increase after closing?
$162,000 NO
compare the numbers to the
Loan Amount
3.875% NO
Loan Estimate you received
Interest Rate
Monthly Principal & Interest $761.78 NO

earlier. There should not be See Projected Payments below for your
Estimated Total Monthly Payment
DQ\VLJQLƓFDQWFKDQJHVRWKHU Does the loan have these features?
than those you have already Prepayment Penalty YES • As high as $3,240 if you pay off the loan during the
first 2 years
agreed to. Balloon Payment NO
Take out your own Closing

Projected Payments
Payment Calculation Years 1-7 Years 8-30
Disclosure, or review the Principal & Interest $761.78 $761.78

example here. Double-check Mortgage Insurance + 82.35 + —
that you clearly understand Estimated Escrow

+ 206.13 + 206.13
what you’ll be expected to Estimated Total

Monthly Payment $1,050.26 $967.91
pay—over the life of your loan This estimate includes In escrow?
Estimated Taxes, Insurance
and at closing.
x Property Taxes YES
& Assessments $356.13 x Homeowner’s Insurance YES
Amount can increase over time a month x Other: Homeowner’s Association Dues NO
See page 4 for details
See Escrow Account on page 4 for details. You must pay for other property
costs separately.
ON PAGE 1 OF 5
Costs at Closing
Loan terms Closing Costs $9,712.10 Includes $4,694.05 in Loan Costs + $5,018.05 in Other Costs – $0
Review your monthly payment. in Lender Credits. See page 2 for details.
Cash to Close $14,147.26 Includes Closing Costs. See Calculating Cash to Close on page 3 for details.
Part of it goes to repay what you
borrowed (and may build equity CLOSING DISCLOSURE PAGE 1 OF 5 • LOAN ID # 123456789
in your new home), and part of

Closing Disclosure, page 1. The most important facts about your loan are on the first page.
it goes to pay interest (which
doesn’t build equity). Equity is
the current market value of your
ON PAGE 2 OF 5
home minus the amount you
still owe on your mortgage. Total Loan Costs Prepaids
Origination charges are fees Homeowner’s insurance is
Costs at Closing your lender charges to make often paid in advance for the
Be prepared to bring the your loan. Some closing costs ƓUVWIXOO\HDU$OVRVRPHWD[HV
full “Cash to Close” amount are fees paid to the providers and other fees need to be paid
with you to your closing. This selected by your lender. Some in advance.
amount includes your down are fees you pay to providers
payment and closing costs. you chose on your own.
The closing costs are itemized
on the following pages.

Page 21
Closing Cost Details

Borrower-Paid Seller-Paid Paid by
Loan Costs
A. Origination Charges
At Closing Before Closing
$1,802.00
At Closing Before Closing
Others
Escrow
01 0.25 % of Loan Amount (Points)
02 Application Fee
$405.00
$300.00 An escrow or impound
03 Underwriting Fee $1,097.00
04
05 account is a special account
06
07
08
where monthly insurance and
tax payments are held until
B. Services Borrower Did Not Shop For $236.55
01 Appraisal Fee to John Smith Appraisers Inc. $405.00
02 Credit Report Fee to Information Inc. $29.80
03 Flood Determination Fee
04 Flood Monitoring Fee
to Info Co.
to Info Co.
$20.00
$31.75 they are paid out each year.
05 Tax Monitoring Fee to Info Co. $75.00
06 Tax Status Research Fee
07
to Info Co. $80.00
You get a statement showing
08
09
10
how much money your lender
or mortgage servicer plans
C. Services Borrower Did Shop For $2,655.50
01 Pest Inspection Fee to Pests Co. $120.50
02 Survey Fee to Surveys Co. $85.00
03 Title – Insurance Binder
04 Title – Lender’s Title Insurance
to Epsilon Title Co.
to Epsilon Title Co.
$650.00
$500.00 to require for your escrow or
05 Title – Settlement Agent Fee to Epsilon Title Co. $500.00
06 Title – Title Search
07
to Epsilon Title Co. $800.00
impound account.
08
D. TOTAL LOAN COSTS (Borrower-Paid) $4,694.05
Loan Costs Subtotals (A + B + C) $4,664.25 $29.80
Other Costs
E. Taxes and Other Government Fees $85.00
You also get an annual analysis
showing what happened to the
01 Recording Fees Deed: $40.00 Mortgage: $45.00 $85.00
02 Transfer Tax to Any State $950.00
F. Prepaids $2,120.80
01 Homeowner’s Insurance Premium ( 12 mo.) to Insurance Co.
02 Mortgage Insurance Premium ( mo.)
$1,209.96
money in your account. Your
03 Prepaid Interest ( $17.44 per day from 4/15/13 to 5/1/13 ) $279.04
04 Property Taxes ( 6 mo.) to Any County USA
05
$631.80
lender must follow federal
rules to make sure they do not
G. Initial Escrow Payment at Closing $412.25
01 Homeowner’s Insurance $100.83 per month for 2 mo. $201.66
02 Mortgage Insurance per month for mo.
03 Property Taxes
04
$105.30 per month for 2 mo. $210.60
end up with a large surplus
05
06
07
or shortage in your escrow or
08 Aggregate Adjustment – 0.01
H. Other
01 HOA Capital Contribution to HOA Acre Inc.
$2,400.00
$500.00
impound account.
02 HOA Processing Fee to HOA Acre Inc. $150.00
03 Home Inspection Fee to Engineers Inc. $750.00 $750.00
04 Home Warranty Fee to XYZ Warranty Inc. $450.00
05 Real Estate Commission to Alpha Real Estate Broker $5,700.00
06 Real Estate Commission to Omega Real Estate Broker $5,700.00
07 Title – Owner’s Title Insurance (optional) to Epsilon Title Co. $1,000.00
08
I. TOTAL OTHER COSTS (Borrower-Paid) $5,018.05
Other Costs Subtotals (E + F + G + H) $5,018.05
J. TOTAL CLOSING COSTS (Borrower-Paid) $9,712.10

Closing Costs Subtotals (D + I) $9,682.30 $29.80 $12,800.00 $750.00 $405.00
Lender Credits
CLOSING DISCLOSURE PAGE 2 OF 5 • LOAN ID # 123456789
Details of your closing costs appear on page 2 of the Closing Disclosure.
USE YOUR CLOSING DISCLOSURE TO CONFIRM THE DETAILS OF YOUR LOAN

&LUFOHRQH,I\RXDQVZHUQRWXUQWRWKHSDJHLQGLFDWHGIRUPRUHLQIRUPDWLRQ
The interest rate is what I was expecting based on my Loan Estimate. YES / NO (see page 10)
I know whether I have a prepayment penalty or balloon payment. YES / NO (see page 7)
I know whether or not my payment changes in future years. YES / NO (see page 7)
I see whether I am paying points or receiving points at closing. YES / NO (see page 9)
I know whether I have an escrow account. YES / NO (see above)

Page 22
ON PAGE 3 OF 5 Calculating Cash to Close Use this table to see what has changed from your Loan Estimate.
Loan Estimate Final Did this change?
Total Closing Costs (J) $8,054.00 $9,712.10 YES • See Total Loan Costs (D) and Total Other Costs (I)
Calculating Cash to Close Closing Costs Paid Before Closing $0 – $29.80 YES • You paid these Closing Costs before closing
Closing Costs Financed
Closing costs are only a part (Paid from your Loan Amount)
Down Payment/Funds from Borrower $18,000.00
$0 $0
$18,000.00
NO
NO
of the total cash you need to

Deposit – $10,000.00 – $10,000.00 NO
Funds for Borrower $0 $0 NO
bring to closing.
Seller Credits $0 – $2,500.00 YES • See Seller Credits in Section L
Adjustments and Other Credits $0 – $1,035.04 YES • See details in Sections K and L
Cash to Close $16,054.00 $14,147.26
Summaries of Transactions
Summaries of Transactions Use this table to see a summary of your transaction.
The section at the bottom of BORROWER’S TRANSACTION SELLER’S TRANSACTION
K. Due from Borrower at Closing $189,762.30 M. Due to Seller at Closing $180,080.00
the page sums up how the 01 Sale Price of Property
02 Sale Price of Any Personal Property Included in Sale
$180,000.00 01 Sale Price of Property
02 Sale Price of Any Personal Property Included in Sale
$180,000.00
PRQH\ŴRZVDPRQJ\RXWKH
03 Closing Costs Paid at Closing (J) $9,682.30 03
04 04
Adjustments 05
lender, and the seller. 05

06
06
07
07 08
Adjustments for Items Paid by Seller in Advance Adjustments for Items Paid by Seller in Advance
08 City/Town Taxes to 09 City/Town Taxes to
09 County Taxes to 10 County Taxes to
10 Assessments to 11 Assessments to
11 HOA Dues 4/15/13 to 4/30/13 $80.00 12 HOA Dues 4/15/13 to 4/30/13 $80.00
12 13
13 14
14 15
15 16
L. Paid Already by or on Behalf of Borrower at Closing $175,615.04 N. Due from Seller at Closing $115,665.04
01 Deposit $10,000.00 01 Excess Deposit
02 Loan Amount $162,000.00 02 Closing Costs Paid at Closing (J) $12,800.00
03 Existing Loan(s) Assumed or Taken Subject to 03 Existing Loan(s) Assumed or Taken Subject to
04 04 Payoff of First Mortgage Loan $100,000.00
05 Seller Credit $2,500.00 05 Payoff of Second Mortgage Loan
Other Credits 06
ON PAGE 4 OF 5 06 Rebate from Epsilon Title Co.
07
$750.00 07
08 Seller Credit $2,500.00
Adjustments 09
Additional Information About This Loan
Loan Disclosures 08
09
10
11
10 12
Page 4 breaks down what is and 11 Loan Disclosures

Adjustments for Items Unpaid by Seller
13
Adjustments for Items Unpaid by Seller
Escrow Account
Assumption
is not included in your escrow

12 City/Town Taxes 1/1/13 to 4/14/13 $365.04 14 City/Town
For Taxes
now, 1/1/13
your loanto 4/14/13 $365.04
If you sell or transfer this property to another person, your lender
13 County Taxes to 15 CountyxTaxes to
will allow, under certain conditions, this person to assume this will have an escrow account (also called an “impound” or “trust”
14 Assessments to 16 Assessments to
loan on the original terms. account) to pay the property costs listed below. Without an escrow
or impound account. Make sure 15
16
x will not allow assumption of this loan on the original terms.
17
18
account, you would pay them directly, possibly in one or two large
payments a year. Your lender may be liable for penalties and interest
17 19 for failing to make a payment.
you understand what is paid
Demand Feature
CALCULATION CALCULATION
Your loan
Total Due from Borrower at Closing (K) $189,762.30
has a demand feature, which permits your lender to require Total
earlyDue to Seller at Closing (M)
Escrow $180,080.00
from your escrow account and Total Paid Alreadyrepayment

Cash to Close
by or on Behalf
x does
x From
of Borrower
of the
ToaBorrower
not have
at should
loan. You Closing (L)
demand feature.
– $175,615.04
review
$14,147.26
Total Due fromEscrowed
your note for details.
Cash From
Seller at Closing (N)
Property
x ToCosts
Seller
$2,473.56 Estimated –total
$115,665.04
your escrowed
amount over year 1 for
property costs:
$64,414.96
over Year 1 Homeowner’s Insurance
what you are responsible for Late Payment

CLOSING DISCLOSURE
If your payment is more than 15 days late, your lender will charge a
Property Taxes
PAGE 3 OF 5 • LOAN ID # 123456789
Non-Escrowed $1,800.00 Estimated total amount over year 1 for
paying yourself.
late fee of 5% of the monthly principal and interest payment. Property Costs your non-escrowed property costs:
over Year 1 Homeowner’s Association Dues
Negative Amortization (Increase in Loan Amount)
Under your loan terms, you You may have other property costs.
are scheduled to make monthly payments that do not pay all of Initial Escrow $412.25 A cushion for the escrow account you
the interest due that month. As a result, your loan amount will Payment pay at closing. See Section G on page 2.
increase (negatively amortize), and your loan amount will likely
become larger than your original loan amount. Increases in your
loan amount lower the equity you have in this property. Monthly Escrow $206.13 The amount included in your total
Payment monthly payment.
may have monthly payments that do not pay all of the interest
due that month. If you do, your loan amount will increase
(negatively amortize), and, as a result, your loan amount may
will not have an escrow account because you declined it your
become larger than your original loan amount. Increases in your
lender does not offer one. You must directly pay your property
loan amount lower the equity you have in this property.
costs, such as taxes and homeowner’s insurance. Contact your
x do not have a negative amortization feature. lender to ask if your loan can have an escrow account.
Partial Payments No Escrow
Your lender Estimated Estimated total amount over year 1. You
x may accept payments that are less than the full amount due Property Costs must pay these costs directly, possibly
(partial payments) and apply them to your loan. over Year 1 in one or two large payments a year.
may hold them in a separate account until you pay the rest of the Escrow Waiver Fee
payment, and then apply the full payment to your loan.
does not accept any partial payments. In the future,
Your property costs may change and, as a result, your escrow pay-
If this loan is sold, your new lender may have a different policy.
ment may change. You may be able to cancel your escrow account,
but if you do, you must pay your property costs directly. If you fail
Security Interest
to pay your property taxes, your state or local government may (1)
You are granting a security interest in
impose fines and penalties or (2) place a tax lien on this property. If
456 Somewhere Ave., Anytown, ST 12345 you fail to pay any of your property costs, your lender may (1) add
the amounts to your loan balance, (2) add an escrow account to your
loan, or (3) require you to pay for property insurance that the lender
7oS LPDJe A summary You may lose this property if you do not make your payments or buys on your behalf, which likely would cost more and provide fewer
RILPSRUWDQWƓQDQFLDO satisfy other obligations for this loan. benefits than what you could buy on your own.
information appears on page

3 of the Closing Disclosure.
%oWWoP LPDJe More details

of your loan appear on page 4
of your Closing Disclosure.
22 YOUR HOME LOAN TOOLKIT CLOSING DISCLOSURE PAGE 4 OF 5 • LOAN ID # 1234567890

Page 23
ON PAGE 5 OF 5
Loan Calculations Other Disclosures
Finance Charge
Total of Payments. Total you will have paid after Appraisal
you make all payments of principal, interest,
mortgage insurance, and loan costs, as scheduled. $285,803.36
If the property was appraised for your loan, your lender is required to
give you a copy at no additional cost at least 3 days before closing. In addition to paying back the
If you have not yet received it, please contact your lender at the
Finance Charge. The dollar amount the loan will
cost you. $118,830.27
information listed below. amount you are borrowing, you
pay a lot of interest over the
Contract Details
See your note and security instrument for information about
Amount Financed. The loan amount available after
• what happens if you fail to make your payments,
paying your upfront finance charge. $162,000.00
life of the loan. This is why it is
• what is a default on the loan,
• situations in which your lender can require early repayment of the
Annual Percentage Rate (APR). Your costs over loan, and
worthwhile to shop carefully for

the loan term expressed as a rate. This is not your • the rules for making payments before they are due.
interest rate. 4.174%
Liability after Foreclosure
Total Interest Percentage (TIP). The total amount
of interest that you will pay over the loan term as a
If your lender forecloses on this property and the foreclosure does not
cover the amount of unpaid balance on this loan, the best loan for your situation.
percentage of your loan amount. 69.46% x state law may protect you from liability for the unpaid balance. If you
refinance or take on any additional debt on this property, you may
lose this protection and have to pay any debt remaining even after
foreclosure. You may want to consult a lawyer for more information. Annual Percentage Rate (APR)
?
state law does not protect you from liability for the unpaid balance.
Questions? If you have questions about the Refinance

Your $35 is your total cost of
loan terms or costs on this form, use the contact
credit stated as a rate. Your
Refinancing this loan will depend on your future financial situation,
information below. To get more information the property value, and market conditions. You may not be able to
or make a complaint, contact the Consumer refinance this loan.
APR is generally higher than

Financial Protection Bureau at
www.consumerfinance.gov/mortgage-closing Tax Deductions
If you borrow more than this property is worth, the interest on the
loan amount above this property’s fair market value is not deductible
from your federal income taxes. You should consult a tax advisor for your interest rate, because the
more information.
Contact Information APR takes into consideration

all the costs of your loan, over
Lender Mortgage Broker Real Estate Broker Real Estate Broker Settlement Agent
(B) (S)
Name Ficus Bank FRIENDLY MORTGAGE Omega Real Estate Alpha Real Estate Epsilon Title Co.
Address 4321 Random Blvd.

BROKER INC.
1234 Terrapin Dr.
Broker Inc.
789 Local Lane
Broker Co.
987 Suburb Ct. 123 Commerce Pl.
the full term of the loan.
Somecity, ST 12340 Somecity, MD 54321 Sometown, ST 12345 Someplace, ST 12340 Somecity, ST 12344
45
NMLS ID 222222 If anything on the Closing
ST License ID Z765416 Z61456 Z61616
Contact Joe Smith JIM TAYLOR Samuel Green Joseph Cain Sarah Arnold Disclosure is not clear to you,
Contact NMLS ID 12345 394784
Contact
ST License ID
P16415 P51461 PT1234 ask your lender or settlement
Email joesmith@
ficusbank.com
JTAYLOR@
FRNDLYMTGBRKR.CM
sam@omegare.biz joe@alphare.biz sarah@
epsilontitle.com agent, “What does this mean?”
Phone 123-456-7890 333-444-5555 123-555-1717 321-555-7171 987-555-4321
Confirm Receipt
By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or received
this form.
Applicant Signature Date Co-Applicant Signature Date
CLOSING DISCLOSURE PAGE 5 OF 5 • LOAN ID # 123456789
/RDQFDOFXODWLRQVGLVFORVXUHVDQGFRQWDFWLQIRUPDWLRQIRU\RXUƓOHVDUHRQSDJHRIWKH&ORVLQJ'LVFORVXUH
NOW IN THE FUTURE

Now you’ve spent time understanding If you are not comfortable with your
what you need to do and what you need mortgage and your responsibility to
to pay, as a new homeowner. make payments, you might not be able
to keep your home.
Now is the time to step back and feel
sure you want to proceed with the loan. If you’ve made a careful decision about
what you can afford and the mortgage
you wanted, you will be able to balance
owning your home and meeting your
RWKHUƓQDQFLDOJRDOV

Page 24
2ZQLQJ your KoPe

Now you’ve closed on your mortgage IN THIS SECTION
and the home is yours. 1. Act fast if you get behind on

your payments
Owning a home is exciting. And your home is 2. Keep up with ongoing costs
also a large investment. Here’s how to protect
3. Determine if you need
that investment. ŴRRGLQVXUDQFH
4. Understand Home Equity

1. $FW fDVW Lf you JeW beKLQG oQ your Lines of Credit (HELOCs)
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If you fall behind on your mortgage, the company that accepts payments on your
mortgage contacts you. This company is your PorWJDJe VerYLFer. Your servicer is
required to let you know what options are available to avoid foreclosure. Talk to your
mortgage servicer if you get into trouble, and call a housing counselor (see page 12
for contact information). HUD-approved counselors are professionals who can help
you, often at little or no charge to you.
Homeowners struggling to pay a mortgage should beware of scammers promising

to lower mortgage payments. Only your mortgage servicer can evaluate you
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FoQVuPerƓQDQFeJoYFoPSODLQW.
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Your mortgage payment is just one part of what it costs to live in your new home.
Your escrow account holds your monthly taxes and homeowner’s insurance
payments—but if you have no escrow account, you need to keep up with these
on your own. Your home needs maintenance and repairs, so budget and save for
these too.

Page 25
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Flooding causes more than $8 billion in damages in the United States in an
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Depending on your property location, your home is considered either at high-risk
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<RXFDQƓQGRXWPRUHDERXWŴRRGLQVXUDQFHDW)OooG6PDrWJoY3ULYDWHŴRRG
insurance could also be available.
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you may still wish to do so, and your mortgage lender may still require you to do
so to protect the collateral securing the mortgage. If you choose to not maintain
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relating to that structure.
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Homeowners sometimes decide they want to borrow against the value of their
home to help remodel or pay for other large expenses. One way to do this is with a
+oPe (TuLWy /LQe of &reGLW (HELOC). You can learn more about HELOCs at
ƓOeVFoQVuPerƓQDQFeJoYfBFfSbBbooNOeWBKeOoFSGf.
Financial counselors caution homeowners against using a HELOC to wipe out

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you could end up back in debt and lose your home.
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Act (TILA) gives you the rLJKW Wo reVFLQG, meaning you can change your mind and
FDQFHOWKHORDQ%XW\RXFDQRQO\UHVFLQGDUHƓQDQFHRU+(/2&ZLWKLQWKUHHGD\V
of receiving a proper notice of the right to rescind from your lender. You cannot
rescind if you are using your HELOC to buy a home.
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common rule of thumb is to proceed only if the new interest rate saves you that
amount over about two years (in other words, if you break even in about two years).
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You have accomplished a lot. It is not easy—you should feel proud of the work
you’ve done.
SECTION 3: OWNING YOUR HOME 25

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Consumer Financial Protection Bureau
1700 G Street NW
Washington DC 20552
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Last updated August 2015

DocMagic eSign Certificate
eSign Id: 71039873 Reference Id: 1281579208 From: INITIAL DISCLOSURES Status: Signed
Documents Type: INITIAL DISCLOSURE Loan Id: 1281579208 Documents: 26 Signatures: Y
List of Signers
Name/Email Signature Created Date Started Date Consented Date Viewed Date Completed Date
ELIZABETH MARINA
02/08/21 02/08/21 02/08/21 02/08/21 02/08/21
SALAZAR CAMPOS 01:55:53 PM 01:59:38 PM 01:59:44 PM 02:00:45 PM 02:18:30 PM
morenita986@gmail.com
TAYLER JANSSEN 02/08/21 02/09/21 02/09/21 02/09/21 02/09/21

taylerjanssen@flanaganstatebank.com 01:55:53 PM 07:36:08 AM 07:37:55 AM 07:38:38 AM 07:38:56 AM
Audit Log
Date/Time Person IP Address Action
02/08/21 01:55:53 PM SYSTEM USER eSign event created
ELIZABETH MARINA SALAZAR
02/08/21 01:55:53 PM 10.1.101.32 Invitation sent to morenita986@gmail.com
CAMPOS
02/08/21 01:55:53 PM TAYLER JANSSEN 10.1.101.32 Invitation sent to taylerjanssen@flanaganstatebank.com
02/08/21 01:59:38 PM 174.219.140.128 eSign event started
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CAMPOS
ELIZABETH MARINA SALAZAR Approved electronic representation of signature - "Elizabeth
02/08/21 02:00:44 PM 174.219.140.128
CAMPOS Marina Salazar Campos"
ELIZABETH MARINA SALAZAR Disclosure version 1 prepared on February 8, 2021, 1:55 pm
02/08/21 02:00:45 PM 174.219.140.128
CAMPOS PST displayed
02/08/21 02:02:21 PM 174.219.140.128 Loan Estimate signed by Elizabeth Marina Salazar Campos
CAMPOS
ELIZABETH MARINA SALAZAR Notice of Intent to Proceed with Loan Application signed by
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CAMPOS Elizabeth Marina Salazar Campos
ELIZABETH MARINA SALAZAR Rate Lock Agreement/Disclosure Form signed by Elizabeth
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CAMPOS Marina Salazar Campos
ELIZABETH MARINA SALAZAR 4506T - Request for Transcript of Tax Return signed by
02/08/21 02:03:50 PM 174.219.140.128
Acknowledgment of Receipt of RESPA's Homeownership
02/08/21 02:06:13 PM 174.219.140.128 Counseling Organization List signed by Elizabeth Marina
CAMPOS
Salazar Campos
ELIZABETH MARINA SALAZAR Borrower's Certification and Authorization signed by Elizabeth
02/08/21 02:06:24 PM 174.219.140.128
ELIZABETH MARINA SALAZAR Electronic Disclosure Agreement signed by Elizabeth Marina
02/08/21 02:06:38 PM 174.219.140.128
CAMPOS Salazar Campos
ELIZABETH MARINA SALAZAR Disclosure Notices signed by Elizabeth Marina Salazar
02/08/21 02:06:53 PM 174.219.140.128
CAMPOS Campos
Borrower Authorization for Use of Information Protected
02/08/21 02:07:13 PM 174.219.140.128 Under the Privacy Act signed by Elizabeth Marina Salazar
CAMPOS
Campos
ELIZABETH MARINA SALAZAR Borrower Consent to the Use of Tax Return Information
02/08/21 02:07:20 PM 174.219.140.128
CAMPOS signed by Elizabeth Marina Salazar Campos
02/08/21 02:07:30 PM 174.219.140.128 Credit Inquiries signed by Elizabeth Marina Salazar Campos
CAMPOS
ELIZABETH MARINA SALAZAR FHA AMENDATORY CLAUSE signed by Elizabeth Marina
02/08/21 02:07:38 PM 174.219.140.128
ELIZABETH MARINA SALAZAR FHA/VA Notice to Applicants signed by Elizabeth Marina
02/08/21 02:07:45 PM 174.219.140.128
ELIZABETH MARINA SALAZAR HUD Addendum to Uniform Residential Loan Application
02/08/21 02:08:00 PM 174.219.140.128
CAMPOS signed by Elizabeth Marina Salazar Campos
ELIZABETH MARINA SALAZAR HUD Appraised Value Disclosure signed by Elizabeth Marina
02/08/21 02:08:13 PM 174.219.140.128
ELIZABETH MARINA SALAZAR Important Notice to Homebuyers signed by Elizabeth Marina
02/08/21 02:08:21 PM 174.219.140.128
ELIZABETH MARINA SALAZAR Informed Consumer Choice Disclosure Notice signed by
02/08/21 02:08:35 PM 174.219.140.128
ELIZABETH MARINA SALAZAR Iowa Interest Reduction Fee Disclosure signed by Elizabeth
02/08/21 02:08:45 PM 174.219.140.128
ELIZABETH MARINA SALAZAR Notice to Homeowner signed by Elizabeth Marina Salazar
02/08/21 02:08:51 PM 174.219.140.128
CAMPOS Campos
ELIZABETH MARINA SALAZAR Residential Mortgage Credit Score Disclosure Exception
02/08/21 02:09:27 PM 174.219.140.128
CAMPOS Notice signed by Elizabeth Marina Salazar Campos
02/08/21 02:18:30 PM 174.219.140.128 eSign event signing complete
CAMPOS
ELIZABETH MARINA SALAZAR Uniform Residential Loan Application signed by Elizabeth
02/08/21 02:18:30 PM 174.219.140.128
02/09/21 07:36:08 AM TAYLER JANSSEN 74.84.119.114 eSign event started
02/09/21 07:37:55 AM TAYLER JANSSEN 74.84.119.114 Consented to DocMagic eSign
Approved electronic representation of signature - "Tayler
02/09/21 07:38:37 AM TAYLER JANSSEN 74.84.119.114
Janssen"
Disclosure version 1 prepared on February 8, 2021, 1:55 pm
PST displayed
Uniform Residential Loan Application signed by Tayler
Janssen
02/09/21 07:38:56 AM TAYLER JANSSEN 74.84.119.114 eSign event signing complete
Rate Lock Agreement/Disclosure Form signed by Tayler
Janssen
02/09/21 07:38:56 AM SYSTEM USER eSign event completed
02/09/21 07:39:12 AM SYSTEM USER eSign Documents delivered
List of Documents
Document Name Page(s) Mark(s) Signer(s)
UNIFORM RESIDENTIAL LOAN APPLICATION 8 8 2
LOAN ESTIMATE 3 1 1
NOTICE OF INTENT TO PROCEED WITH LOAN APPLICATION 1 1 1
ADDITIONAL DETAILS FOR SERVICES YOU CAN SHOP FOR 1 0 0
RATE LOCK AGREEMENT/DISCLOSURE FORM 1 2 2
4506T - REQUEST FOR TRANSCRIPT OF TAX RETURN 2 2 1
HOUSING COUNSELORS NEAR YOU 6 0 0
ACKNOWLEDGMENT OF RECEIPT OF RESPA'S HOMEOWNERSHIP
1 1 1
COUNSELING ORGANIZATION LIST
BORROWER'S CERTIFICATION AND AUTHORIZATION 1 1 1
ELECTRONIC DISCLOSURE AGREEMENT 2 1 1
DISCLOSURE NOTICES 2 1 1
BORROWER AUTHORIZATION FOR USE OF INFORMATION
1 1 1
PROTECTED UNDER THE PRIVACY ACT
BORROWER CONSENT TO THE USE OF TAX RETURN
1 1 1
INFORMATION
CREDIT INQUIRIES 1 36 1
FHA AMENDATORY CLAUSE 1 1 1
FHA/VA NOTICE TO APPLICANTS 1 1 1
FOR YOUR PROTECTION GET A HOME INSPECTION 1 0 0
HUD ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION 4 2 1
HUD APPRAISED VALUE DISCLOSURE 1 1 1
IMPORTANT NOTICE TO HOMEBUYERS 2 1 1
INFORMED CONSUMER CHOICE DISCLOSURE NOTICE 2 1 1
IOWA INTEREST REDUCTION FEE DISCLOSURE 2 1 1
NOTICE TO HOMEOWNER 1 1 1
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE
5 5 1
EXCEPTION NOTICE
RISK-BASED PRICING NOTICE 2 0 0
YOUR HOME LOAN TOOLKIT 28 0 0
Copyright (c) 2016 DocMagic, Inc. - ALL RIGHTS RESERVED

Elizabeth-Marina-Salazar Campos Initial Disclosure 2021 02-10-6023bb5439a82

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Elizabeth-Marina-Salazar Campos Initial Disclosure 2021 02-10-6023bb5439a82

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Uniform Residential Loan Application

I. TYPE OF MORTGAGE AND TERMS OF LOAN

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Purpose of Loan x Purchase Construction Other (explain): Property will be:

Complete this line if construction or construction-permanent loan.

Borrower III. BORROWER INFORMATION Co-Borrower

Fannie Mae Form 1003 6/09

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Monthly Income Monthly Income

Monthly Income Monthly Income

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Total $ 4,550.00 $ $ 4,550.00 Total $ 410.00 $ 1,208.22

Fannie Mae Form 1003 6/09

Monthly Payment & Unpaid Balance

Acct. no. $ 4,500.00 Acct. no. 227991374934

Acct. no. $ Acct. no. 3660309

Acct. no. $ Acct. no. 3950491

Acct. no. $ Acct. no. 1299643

Acct. no. 1218115

Subtotal Liquid Assets $ 4,500.00

Vested interest in retirement fund $

Net worth of business(es) owned $

Total Monthly Payments $ 1,054.00

Alternate Name Creditor Name Account Number

Fannie Mae Form 1003 6/09

j. Are you a U.S. citizen? x

IX. ACKNOWLEDGMENT AND AGREEMENT

Fannie Mae Form 1003 6/09

Fannie Mae Form 1003 6/09

Additional Joint Liabilities

Fannie Mae Form 1003 6/09

Ethnicity: Check one or more Race: Check one or more

To Be Completed by Financial Institution (for application taken in person):

Borrower Name: Elizabeth Marina Salazar Campos

Loan Estimate LOAN TERM 30 years

Loan Terms Can this amount increase after closing?

Interest Rate 3.125% NO

Monthly Principal & Interest

Does the loan have these features?

Principal & Interest $664.57

Mortgage Insurance + 107

Estimated Escrow + 437

Visit www.consumerfinance.gov/mortgage-estimate for general information and tools.

G. Initial Escrow Payment at Closing $1,707

I. TOTAL OTHER COSTS (E + F + G + H) $3,942

LENDER Flanagan State Bank MORTGAGE BROKER

Assumption If you sell or transfer this property to another person, we

Elizabeth Marina Salazar Campos Date

Name of Originator: Tayler Janssen (NMLS # 1596702)

Property Address: 516 Swallum Dr

NOTICE OF INTENT TO PROCEED WITH LOAN APPLICATION

Service Estimate Provider We Identified Contact Information

APPLICANTS: Elizabeth Marina Salazar DATE ISSUED: 02/08/2021 LOAN ID #: 1281579208

ADDITIONAL DETAILS FOR SERVICES YOU CAN SHOP FOR

RATE LOCK AGREEMENT/DISCLOSURE FORM

Property Address: 516 Swallum Dr, Storm Lake, Iowa 50588

Loan Program: FHA FIXED RATE

We understand and agree to the terms contained in this lock-in agreement.

RATE LOCK AGREEMENT/DISCLOSURE FORM

Spouse's signature Date

Date: FEBRUARY 8, 2021

Provided By: FLANAGAN STATE BANK

Borrower(s): Elizabeth Marina Salazar Campos

Property Address: 516 Swallum Dr