ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791

Loan Number: 53502375
ADDENDUM TO LOAN APPLICATION

CALIFORNIA CIVIL CODE SECTION 1812.30 REQUIRES NOTICE THAT "THE APPLICANT, IF MARRIED,
MAY APPLY FOR A SEPARATE ACCOUNT."
I (WE) RECEIVED A COPY OF THIS NOTICE, WHICH IS PART OF MY/OUR CREDIT APPLICATION.
06/17/15 01:55:00 PM PDT
Borrower ALAN I GOLDBERG
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
ADDENDUM TO LOAN APPLICATION

NCA.MSC 06/17/08
CALIFORNIA DOMESTIC PARTNERSHIP ADDENDUM TO

UNIFORM RESIDENTIAL LOAN APPLICATION
Date: JUNE 17, 2015
Provided by: 1ST RATE HOME MORTGAGE, INC
Borrower: ALAN I GOLDBERG
Property Address: 1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
On and after January 1, 2005, California law extends the same rights, protections, benefits, and duties of
marriage to persons registered as domestic partners in the State of California. Thus, a non-borrowing
domestic partner whose domestic partnership is registered in California will be presumed to have a
community property interest in the real property of the borrowing domestic partner that will secure
repayment of this loan transaction regardless of whether the non-borrowing partner holds, or will hold, legal
title to that property.
Furthermore, a legal union of two persons of the same sex, other than marriage, that is validly formed in
another jurisdiction and that is substantially equivalent to a domestic partnership under California law is
recognized as a valid domestic partnership in California regardless of whether it bears the name domestic
partnership.
Accordingly, if you, as the Borrower, indicate that you are involved in a domestic partnership
registered with the State of California or part of a legal union formed in another jurisdiction, the
Lender will require that your domestic partner also sign the deed of trust or other security instrument
(and perhaps other related loan documents) that secures repayment of this loan.
You should consult an attorney for specific legal advice regarding community property rights and for
specific legal advice regarding rights, protections, benefits, and duties under California law.
The undersigned Borrower hereby represents to Lender and to Lender's actual or potential agents, brokers, processors,
attorneys, insurers, servicers, successors and assigns, the following:
Please check all of those statements below that apply.
x I am not involved in a domestic partnership in California or in any other jurisdiction recognizing a domestic
partnership or civil union.
x I do not have a pending termination or judgment of dissolution or nullity of a domestic partnership or civil union.
I have registered a domestic partnership with the State of California. The Lender may request that you provide
a Certificate of Domestic Partnership issued by the California Secretary of State.
I am involved in a domestic partnership or civil union formed in a jurisdiction outside the State of California.
If you have registered a domestic partnership in California or formed a domestic partnership or civil union in another
jurisdiction, please provide the name of your domestic partner in the space provided below:
Name of Domestic Partner

06/17/15 01:56:34 PM PDT
Date
CA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION

CA Family Code 297 et seq.
CADPA.MSC 09/29/14
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
Mortgage
Applied for:
VA
FHA
Amount
$
I. TYPE OF MORTGAGE AND TERMS OF LOAN

Agency Case Number
Conventional
USDA/Rural
Housing Service
Other (explain):
Interest Rate
No. of Months
228,809.00
Lender Case Number
53502375
3.750 %
Amortization Type:
360
Fixed Rate
Other (explain):
GPM
ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address (street, city, state & ZIP)
No. of Units
1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
Legal Description of Subject Property (attach description if necessary)
Year Built
1981
Purpose of Loan
Purchase
Construction
Refinance
Construction-Permanent
Other (explain):
Property will be:
x Primary Residence
Secondary Residence
Investment
Complete this line if construction or construction-permanent loan.

Year Lot
Acquired
Original Cost
Amount Existing Liens
(a) Present Value of Lot
(b) Cost of Improvements
Total (a+b)
Purpose of Refinance
Describe Improvements
Complete this line if this is a refinance loan.

Year
Acquired
Original Cost
2014
165,000.00
Amount Existing Liens
Cash Out Debt

$ 171,895.00
Consolidation
made
to be made
Cost: $
Title will be held in what Name(s)
Manner in which Title will be held
Estate will be held in:
Alan I Goldberg
To be determined in
escrow
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)
Fee Simple
Leasehold (show
expiration date)
III. BORROWER INFORMATION
Borrower
Borrower's Name (include Jr. or Sr. if applicable)
Co-Borrower
Co-Borrower's Name (include Jr. or Sr. if applicable)
ALAN I GOLDBERG
Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy)
Yrs. School Social Security Number
020-30-3380 (661)350-1916 07/31/1939 12

X Unmarried (include single, Dependents (not listed by Co-Borrower)
Married
Separated
divorced, widowed)
no.0
ages
Present Address (street, city, state, ZIP)
X Own
Rent ______
4 No. Yrs.
1217 E Avenue J5, Lancaster, CA 93535
Mailing Address, if different from Present Address
Fannie Mae Form 1003 6/09

Freddie Mac Form 65 6/09
Borrower:
Home Phone (incl. area code)
Unmarried (include single,
Dependents (not listed by Borrower)
Separated
divorced, widowed)
no.
Present Address (street, city, state, ZIP)
Page 1
Yrs. School
Married
ages
Own
Mailing Address, if different from Present Address
______
DOB (mm/dd/yyyy)
Rent ______ No. Yrs.
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP)
Borrower
Name & Address of Employer
Rent ______ No. Yrs. Former Address (street, city, state, ZIP)
Own
Own
IV. EMPLOYMENT INFORMATION

Self Employed Yrs. on this job
Rent ______ No. Yrs.
Co-Borrower
Self Employed Yrs. on this job
2 yrs
retired
Yrs. employed in this

line of work/profession
Yrs. employed in this

line of work/profession
2
Position/Title/Type of Business
Business Phone (incl. area code)
retired
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Self Employed Dates (from - to)
Monthly Income
Monthly Income
Monthly Income
Monthly Income
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross
Combined Monthly
Monthly Income
Base Empl. Income*
Borrower
Co-Borrower
Total
$
Rent
0.00
Overtime
Present
Housing Expense
818.07 $
First Mortgage (P&I)
Bonuses
Other Financing (P&I)
Commissions
Hazard Insurance
Dividends/Interest
Real Estate Taxes
Net Rental Income
Mortgage Insurance
Other (before completing, see
Homeowner Assn. Dues
Proposed
66.43
145.07
1,059.65
66.43
145.07
the notice in "describe other
3,865.00
income," below)
Total
$
*
3,865.00 Other:
3,865.00 $
3,865.00 Total
1,029.57 $
1,271.15
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
B
B
Monthly Amount
PENSION
SOCIAL SECURITY

Borrower:
______
Page 2
3,704.00
161.00
VI. ASSETS AND LIABILITIES
This Statement and any applicable 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
ASSETS
Cash or
Market Value
Description
Cash deposit toward purchase held by:
LIABILITIES
Name and address of Company
Monthly Payment &

Months Left to Pay
$ Payment/Months
NEW AMRCN FU
*
Acct. no.
Acct. no.
Name and address of Bank, S&L, or Credit Union
Acct. no.
Acct. no.
Acct. no.

Acct. no.
Borrower:
______
Page 3
171,895.00
726.00
9,607.00
32,908.00
25.00
R
$ Payment/Months
418.00
22
30000132711181000
BK OF AMER
400 CHRISTIANA RD, ,
Acct. no.
1,030.00
166
$ Payment/Months
CHRYSLER CAPITAL
91 WALL STREET POB
666, MADISON, CT
06443
Unpaid Balance
521333109770
Not Jointly
9659124102768
SYNCB/SAMS CLUB DC
PO BOX 981400, EL
PASO, TX 79998
Acct. no.
Jointly
Liabilities and Pledged Assets. List the creditor's name, address and account number for
all outstanding debts, including automobile loans, revolving charge accounts, real estate
loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary.
Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or
upon refinancing of the subject property.
List checking and savings accounts below

4264511020059548
$ Payment/Months
599.00
R
VI. ASSETS AND LIABILITIES (cont'd)

Stocks & Bonds (Company
8,446.00
115.00
Total Liabilities b. $
30,661.00
$ Payment/Months
name/number & description)
137.00
R
BK OF AMER
Acct. no.
Life Insurance net cash value
4888936028433930
$ Payment/Months
AMEX
P.O. BOX 297871, ,
2.30
R
Face amount: $
Subtotal Liquid Assets
Real estate owned (enter market value
245,000.00
from schedule of real estate owned)

Vested interest in retirement fund
Net worth of business(es) owned
(attach financial statement)
Acct. no.
-3499921673111803
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
245,000.00
Total Assets a. $
Net Worth
214,339.00
(a minus b)
753.30
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Property Address (enter S if sold, PS if pending
Type of
Present
Amount of
Gross
Mortgage
sale or R if rental being held for income)
Property
Market Value
Mortgages & Liens
Rental Income
Payments
1217 E Avenue J5,

Lancaster, CA 93535
SFR
Totals
Insurance,
245,000.00 $ 171,895.00 $
211.50 $
0.00
245,000.00 $ 171,895.00 $
211.50 $
0.00 $
0.00
Alternate Name
Creditor Name
Borrower:
Income
Taxes & Misc.
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

Net Rental
Maintenance,
______
Page 4
Account Number
VII. DETAILS OF TRANSACTION

a.
Purchase price
b.
Alterations, improvements, repairs
c.
Land (if acquired separately)
d.
Refinance (incl. debts to be paid off)
e.
Estimated prepaid items
f.
Estimated closing costs
g.
PMI, MIP, Funding Fee
h.
Discount (if Borrower will pay)
i.
Total costs (add items a through h)
j.
Subordinate financing
k.
Borrower's closing costs paid

by Seller
l.
m.
n.
VIII. DECLARATIONS
0.00
204,803.00
If you answer "Yes" to any questions a through i,

please use continuation sheet for explanation.
a.
b.
c.
1,083.35 d.
2,605.00 e.
7,309.50
215,800.85
0.00
Borrower
Yes
No
Are there any outstanding judgments against you?

Have you been declared bankrupt within the past 7 years?
Have you had property foreclosed upon or given title
or deed in lieu thereof in the last 7 years?
Are you a party to a lawsuit?
f.
Are you presently delinquent or in default on any Federal debt or

any other loan, mortgage, financial obligati on, bond, or loan
guarantee?
g.
Are you obligated to pay alimony, child support, or separate

maintenance?
h.
Is any part of the down payment borrowed?
i.
Are you a co-maker or endorser on a note?
j.
Are you a U.S. citizen?
7,309.00 l.
X
X
Are you a permanent resident alien?

Do you intend to occupy the property as your primary residence?
No
X
X
Have you directly or indirectly been obligated on any

loan which resulted in foreclosure, transfer of title
in lieu of foreclosure, or judgment?
(This would include such loans as home mortgage loans, SBA loans,
home improvemen t loans, educational loans, manufactured (mobile) home
loans, any mortgage, financial obligation, bond, or loan guarante e. If
"Yes," provide details, including date, name and address of Lender, FHA
or VA case number, if any, and reasons for the action.)
221,500.00 k.
Yes
X
X
X
Other Credits (explain)
Loan amount (exclude PMI, MIP,

Funding Fee financed)
PMI, MIP, Funding Fee financed
Co-Borrower
If "Yes," complete question m below.

o.
Loan amount (add m & n)
p.
Cash from/to Borrower

(subtract j, k, l & o from I)
228,809.00 m.
Have you had an ownership interest in a property in the last three

years?
-13,008.15
(1) What type of property did you own - principal residence (PR),
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)?
X
PR
S
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
X06/17/15 01:59:52 PM PDT

Date
Co-Borrower's Signature
X
Page 5
Date
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

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
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
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
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
to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please
check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable
state law for the particular type of loan applied for.)
BORROWER
I do not wish to furnish this information
Ethnicity:
Hispanic or Latino
Race:
American Indian or
CO-BORROWER
X Not Hispanic or Latino

Asian
Ethnicity:
Black or African American
Race:
Alaska Native
X White
American Indian or
Native Hawaiian or
Other Pacific Islander

Female
Hispanic or Latino
Not Hispanic or Latino

Asian
Black or African American
Alaska Native
Native Hawaiian or
Sex:
I do not wish to furnish this information
White
Other Pacific Islander
X Male
Sex:
Female
Male
To be Completed by Loan Originator:

This information was provided:
In a face-to-face interview
In a telephone interview
By the applicant and was submitted by fax or mail
By the applicant and submitted via e-mail or the Internet
Loan Originator's Signature
Date
06/17/15
X 06/17/15 01:53:42 PM PDT

Loan Originator's Name (print or type)
DAVID FERGUSON REESE

Loan Origination Company's Name
Loan Originator Identifier
Loan Originator's Phone Number (including area code)
173439
(480)776-2555
Loan Origination Company Identifier
Loan Origination Company's Address
401 W. BASELINE RD. #102,

TEMPE, ARIZONA 85283
1ST RATE HOME MORTGAGE, 37411

INC.

Borrower:
______
Page 6
CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION

Use this continuation sheet if you need Borrower:
more space to complete the Residential
Loan Application. Mark B for Borrower
Co-Borrower:
or C for Co-Borrower
Agency Case Number:
ALAN I GOLDBERG
Lender Case Number:
53502375
Additional Joint Liabilities
Name/Address
Account #/Type Monthly Payment Months Left Unpaid Balance
_______________________________ ________________ _______________ ___________ ______________
WYNDHAM VO
411501869
$171.00
68
$11,767.00
INSTALLMENT
Under California Civil Code 1812.30(j) "Credit applications for the

obtainment of money, goods, labor, or services shall clearly specify that
the applicant, if married, may apply for a separate account."
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
X 06/17/15
02:00:50 PM PDT

Date
Co-Borrower's Signature
Page 7
Date
OMB Approval No. 2502-0265
GOOD FAITH ESTIMATE (GFE)

Name of Originator
Borrower
DAVID FERGUSON REESE (NMLS # 173439)

1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)
ALAN I GOLDBERG
Originator Address
Property Address
401 W. BASELINE RD. #102

1217 E AVENUE J5
LANCASTER, CALIFORNIA 93535
Originator Phone Number

Originator Email
(480)776-2555
davidreese@1rhm.com
PURPOSE
Date of GFE
JUNE 17, 2015
This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more information, see HUD's
Special Information Booklet on settleme nt charges, your Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/respa.
If you decide you would like to proceed with this loan, contact us.
SHOPPING FOR
YOUR LOAN
Only you can shop for the best loan for you. Compare this GFE with other loan offers, so you can find the best loan. Use the shopping chart on
IMPORTANT
DATES
1.
SUMMARY OF
YOUR LOAN
page 3 to compare all the offers you receive.

The interest rate for this GFE is available through
. After this time, the i nt erest rate,
AUGUST 3, 2015
some of your loan Origination Charges, and the monthly payment shown below can change until you lock your interest rate.
AUGUST 3, 2015
2.
This estimate for all other settlement charges is available through
3.
4.
After you lock your interest rate, you must go to settlement within
45
You must lock the interest rate at least
days before settlement.
NA
Your initial loan amount is
days (your rate lock period) to receive the locked interest rate.
228,809.00
30
Your loan term is
years
3.750
Your initial interest rate is
Your initial monthly amount owed for principal, interest, and any mortgage
insurance is
1,059.65
Can your interest rate rise?
No
per month
Yes, it can rise to a maximum of
%.
The first change will be in
.
.
Even if you make payments on time, can your loan balance rise?
No
Yes, it can rise to a maximum of $
Even if you make payments on time, can your monthly amount owed for
No
Yes, the first increase can be in
principal, interest, and any mortgage insurance rise?
and the monthly amount owed

can rise to $
. The maximum it
can ever rise to is $
Does your loan have a prepayment penalty?
No
Y e s , yo u r ma x i m u m p r e p a yme n t p e n a l t y i s
$
Does your loan have a balloon payment?
No
Yes, you have a balloon p aymen t o f

$
ESCROW
ACCOUNT
INFORMATION
Some lenders require an escrow account to hold funds for paying

amount owed of $
1,059.65
due in
years.
property taxes or other property-related charges in addition to your monthly
Do we require you to have an escrow account for your loan?

No, you do not have an escrow account. You must pay these charges directly when due.
Yes, you have an escrow account. It may or may not cover all of these charges. Ask us.
SUMMARY
OF YOUR
SETTLEMENT
Your Adjusted Origination Charges (See page 2.)
1,590.00
Your Charges for All Other Settlement Services (See page 2.)
9,857.85
CHARGES
11,447.85
GOOD FAITH ESTIMATE (HUD-GFE)

GFE.LTR 10/31/11
Total Estimated Settlement Charges
Page 1 of 3
UNDERSTANDING
YOUR ESTIMATED
SETTLEMENT
CHARGES
Your Adjusted Origination Charges

1,590.00
1. Our origination charge

This charge is for getting this loan for you.
0.00
2. Your credit or charge (points) for the specific interest rate chosen
X The credit or charge for the interest rate of
3.750 % is included in "Our origination
charge". (See item 1 above.)
You receive a credit of $
for this interest rate of
%.
This credit reduces your settlement charges.
You pay a charge of $
for this interest rate of
%.
This charge (points) increases your total settlement charges.
The tradeoff table on page 3 shows that you can change your total settlement charges by choosing a different
interest rate for this loan.
Your Adjusted Origination Charges
1,590.00
Your Charges for All Other Settlement Services

Some of these
charges can
change at
settlement.
See the top
of page 3 for
more information.
3.
Required services that we select

These charges are for services we require to complete your settlement.
these services.
Service
Charge
APPRAISAL FEE
CREDIT REPORT
VA FUNDING FEE
7,774.50
We will choose the providers of
Service
Charge
450.00
15.00
7,309.50
4.
Title services and lender's title insurance

This charge includes the services of a title or settlement agent, for example, and title insurance to protect
the lender, if required.
5.
Owner's title insurance

You may purchase an owner's title insurance policy to protect your interest in the property.
6.
Required services that you can shop for

These charges are for other services that are required to complete your settlement. We can identify providers of
these services or you can shop for them yourself. Our estimates for providing these services are below.
Service
Charge
Service
900.00
NOT APPLICABLE
0.00
Charge
100.00
7.
Government recording charges

These charges are for state and local fees to record your loan and title documents.
8.
Transfer taxes
These charges are for state and local fees on mortgages and home sales.
9.
Initial deposit for your escrow account

This charge is held in an escrow account to pay futur e recurring charges on your property and includes
other
X all property taxes, X all insurance, and
.
265.72
10. Daily interest charges

This charge is for the daily interest on your loan from the day of your settlement until the first day of the
next month or the first day of your normal mortgage payment cycle.
This amount is
$ 23.5078
per day for
days (if your settlement is
).
15
JULY 24, 2015
352.62
11. Homeowner's insurance

This charge is for the insurance you must buy for the property to protect from a loss, such as fire.
465.01
Charge
Policy
HAZARD INS. PREMIUM
B
A
0.00
465.01
Your Charges for All Other Settlement Services

+

GFE.LTR 10/31/11
Page 2 of 3
9,857.85
11,447.85
INSTRUCTIONS
UNDERSTANDING
WHICH CHARGES
CAN CHANGE AT
SETTLEMENT
USING THE
TRADEOFF TABLE
This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs. Compare the
charges on the HUD-1 with the charges on this GFE. Charges can change if you select your own provider and do not use the companies we
identify. (See below for details.)
These charges
The total of these charges
These charges
cannot increase
can increase up to 10%
can change
at settlement:
at settlement:
at settlement:
Our origination charge
Required services that we select
Required services that you can shop for (if
Your credit or charge (points) for the specific
Title services and lender's title insurance (if
you do not use companies we identify)
rate chosen (after you lock in your interest rate)
w e select them or you use companies w e
Titl e services and lender's title insurance
Your adjusted origination charges (after you
identify)
(if you do not use companies we identify)
lock in your interest rate)
Owner's
Transfer taxes
companies we identify)
companies w e identify)
Required services that you can shop for
Initial deposit for your escrow account
(if you use companies we identify)
Daily interest charges
Government recording charges
Homeowner's insurance
title
insu rance (if you use
Owner's title insurance (if you do not use
In this GFE, we offered you this loan with a particular interest rate and estimated settlement charges. However:
If you want to choose this same loan with low er settlement charges, then you will have a higher interest rate.
If you want to choose this same loan with a low er interest rate, then you will have higher settlement charges.
If you would like to choose an available option, you must ask us for a new GFE.
Loan originators have the option to complete this table. Please ask for additional information if the table is not completed.
The loan in this GFE
Your initial loan amount
Your initial interest rate1

Your initial monthly amount owed
Change in the monthly amount owed from
No change
228,809.00
3.750 %
1,059.65
this GFE
Change in the amount
you will pay at
No change
settlement with this interest rate

How much your total estimated settlem ent
11,447.85
The same loan with
The same loan with a
lower settlement charges
lower interest rate
$
%
You will pay $
You will pay $
more every month
less every month
Your sett lement charges will be
Your settlement charges will
reduced by $
increase by $
charges will be
1
For an adjustable rate loan, the comparisons above are for the initial interest rate before adjustments are made.
USING THE
SHOPPING CHART
Use this chart to compare GFEs from different loan originators. Fill in the information by using a different column for each GFE you receive.
By comparing loan offers, you can shop for the best loan.
This loan
Loan originator name
Initial loan amount
Loan term
Initial interest rate
Initial monthly amount owed
Rate lock period
Can interest rate rise?
Can loan balance rise?
Can monthly amount owed rise?
Prepayment penalty?
Balloon payment?
IF YOUR LOAN
IS SOLD IN
THE FUTURE
Loan 2
Loan 3
Loan 4
1ST RATE HOME

$228,809.00
30 Year(s)
3.750%
$1,059.65
45 Day(s)
NO
NO
NO
NO
NO
$11,447.85
Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or the charges
you paid at settlement.

GFE.LTR 10/31/11
Page 3 of 3
ACKNOWLEDGMENT OF RECEIPT
OF GOOD FAITH ESTIMATE
Date:
JUNE 17, 2015
Name of Originator: DAVID FERGUSON REESE (NMLS # 173439)
1ST RATE HOME MORTGAGE, INC.
(NMLS # 37411)
Borrower Name(s): ALAN I GOLDBERG
Each of the undersigned Borrower(s) hereby acknowledges receipt of a copy of the Good Faith Estimate ("GFE"),
dated JUNE 17, 2015
. This Acknowledgment is not intended to be, nor shall it be construed as, an
expression of an intent to continue with Borrower(s)' loan application covered by the GFE.
06/17/15 02:02:44 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
ACKNOWLEDGMENT OF RECEIPT OF GOOD FAITH ESTIMATE

12 CFR 1024.7(f)(4)
AR.GFE 12/30/11
SETTLEMENT SERVICES PROVIDER LIST

JUNE 17, 2015
Date:
Name of Originator: DAVID FERGUSON REESE

Borrower Name(s):

ALAN I GOLDBERG
(NMLS # 37411)
Property Address:
The loan originator who issued the GFE to you, the Borrower(s), is permitting you to shop for the third party settlement
services listed below. This list also contains the names, addresses, and telephone numbers of the settlement service providers
who can provide the services described. Our providing you with this list is not to be construed in any way as an endorsement
of any of the service providers listed below. You are also under no obligation to select any of the settlement service providers
shown on this list and are free to shop and select your own service provider for any of the services listed below. The estimate
of charges for the settlement services listed below that are reflected on the GFE is based on the charges of the particular service
provider listed. The HUD-1 Settlement Statement will reflect the name and actual charges of the provider ultimately selected
by you as well as other settlement services selected directly by the loan originator of the GFE. If no service providers are listed
below, the loan originator is not permitting you to shop for any third party settlement services.
Service Provider Name,

Address and Telephone Number
Service
Title & Escrow
NexTitle Agency - 480-385-7200

9500 E Ironwood Square Dr STE 125
Scottsdale, AZ 85258

12 CFR 1024.7
SSPL.GFE 12/30/11
Page 1 of 2
Affiliated
Business (Y/N)
06/17/15 02:02:59 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date

12 CFR 1024.7
SSPL.GFE 12/30/11
Page 2 of 2
ANTI- STEERING DISCLOSURE OF LOAN OPTIONS

Date: JUNE 17, 2015
Borrower(s):
ALAN I GOLDBERG
To comply with the anti-steering prohibitions found in Regulation 12 CFR 226.36(e), your loan originator must provide you
loan options from the creditors with whom the originator regularly does business with and are for the type of transaction: 1.
You have expressed interest in and 2. Originator feels in good faith that you may qualify. The three examples below meet the
criteria of disclosure set forth in the rule however may or may not take into consideration all of the items that may be important
to you in finding a loan that is in your best interest. You DO NOT have to choose one of the disclosed options.
FIXED INTEREST RATE OPTIONS (if applicable)

Loan Option 1 Lowest Rate
Description
Interest Rate
Origination/Fees
Discount Points
Loan Option 2 Lowest Origination Fees/Points
VA - 30/YR Fixed VA - 30/YR Fixed

3.50%
$5,720.23
0
4.00%
0
0
Loan Option 3 Lowest Rate without Risky Features1
VA - 30/YR Fixed
3.50%
$5,720.23
0
ADJUSTABLE INTEREST RATE OPTIONS 2 (if applicable)

Loan Option 1 Lowest Rate
Loan Option 2 Lowest Origination Fees/Points
Loan Option 3 Lowest Rate without Risky Features3
Description
Interest Rate
Origination/Fees
Discount Points
"Risky Features" include, but are not limited to, loans with prepayment penalties planned negative amortization, interest only payments, balloon payment
in first seven years, demand features, shared equity, or shared appreciation.
2
ARM's should be disclosed at fully indexed rate if start rate is for less than 5 years. If initial rate is fixed for 5 or more years, loan can be disclosed
start rate.
3
See item 1.
ANTI-STEERING DISCLOSURE OF LOAN OPTIONS

ASDOLO.MSC 11/26/12
Page 1 of 2
at
By signing below, I hereby acknowledge receipt of this disclosure.
06/17/15 02:03:18 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
ANTI-STEERING DISCLOSURE OF LOAN OPTIONS

ASDOLO.MSC 11/26/12
Page 2 of 2
ANSWERS TO
THE MOST FREQUENTLY ASKED
TRUTH-IN-LENDING QUESTIONS
ANNUAL PERCENTAGE RATE
FINANCE CHARGE
The cost of your credit at a yearly rate.
The dollar amount the credit The amount of credit The amount you will have paid
will cost you.
provided to you or on your after you have made all
behalf
payments as scheduled.
AMOUNT FINANCED
TOTAL OF PAYMENTS
Q. What is a Truth-In-Lending Disclosure and why do I receive it?

A. The Disclosure is designed to give you information about the costs of your loan so that you may compare these costs with
those of other loan programs or lenders.
Q. What is the ANNUAL PERCENTAGE RATE? (Box "A" Above)
A. The Annual Percentage Rate (A.P.R.) is the cost of your credit expressed as an annual rate. Because you may be paying
loan discount "points" and other "prepaid" finance charges at closing, the A.P.R. disclosed is often higher than the interest
rate on your loan. This A.P.R. can be compared to the A.P.R. on other loan programs to give you a consistent means
of comparing rates and programs.
Q. Why is the ANNUAL PERCENTAGE RATE different from the interest rate for which I applied?
A. The A.P.R. is computed from the Amount Financed and based on what your proposed payments will be on the actual loan
amount credited to you at settlement. In a $50,000 loan with $2,000 Prepaid Finance Charges, a 30 year term, and a fixed
interest rate of 12%, the payments would be $514.31 (principal and interest). Since the A.P.R. is based on the Amount
Financed ($48,000), while the payment is based on the actual loan amount given ($50,000), the A.P.R. (12.553%) is
higher than the interest rate.
Q. What is the Finance Charge? (Box "B" Above)
A. The Finance Charge is the cost of credit expressed in dollars. It is the total amount of interest calculated at the interest
rate over the life of the loan, plus Prepaid Finance Charges and the total amount of any required mortgage insurance
charged over the life of the loan.
Q. What is the AMOUNT FINANCED? (Box "C" Above)
A. The Amount Financed is the loan amount applied for, minus the Prepaid Finance Charges. Prepaid Finance Charges
include items paid at or before settlement, such as loan origination, commitment or discount fees ("points"), adjusted
interest, and initial mortgage insurance premium. The Amount Financed is lower than the amount you applied for because
it represents a NET figure. If you applied for $50,000 and the Prepaid Finance Charges total $2,000, the Amount
Financed would be $48,000.
ANSWERS TO THE MOST FREQUENTLY ASKED

ZLET2.LSR 02/15/12
Page 1 of 2

Q. Does this mean I will get a smaller loan than I applied for?
A. No. If your loan is approved in the amount requested, you will receive credit toward your home purchase or refinance
for the full amount for which you applied. In the example above, you would therefore receive a $50,000, not a $48,000
loan.
Q. What is the TOTAL OF PAYMENTS? (Box "D" Above)
A. This figure represents the total amount you will have paid if you make the minimum required payments for the entire term
of the loan. This includes principal, interest and mortgage insurance premiums, but does not include payments for real
estate taxes or property insurance premiums.
Q. My Disclosure says that if I pay the loan off early, I will not be entitled to a refund of part of the finance charge.
What does this mean?
A. This means that you will be charged interest for the period of time in which you used the money loaned to you. Your
prepaid finance charges are generally not refundable, nor is any interest which has already been paid.
Q. What is the filing fee?
A. The Filing Fee is an estimate of the cost of recording the legal documents, mortgage, deed of trust, deeds connected with
your transaction. The fee will be charged at settlement, please do not send it now.
ANSWERS TO THE MOST FREQUENTLY ASKED

ZLET2.LSR 02/15/12
Page 2 of 2
FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
53502375
Loan Number:
Date:
Creditor:
1ST RATE HOME MORTGAGE, INC
Address:
401 W. BASELINE RD #102, TEMPE, ARIZONA 85283
Borrower(s):
ALAN I GOLDBERG
Address:
JUNE 17, 2015
Disclosures marked with an "x" are applicable:
ANNUAL
PERCENTAGE
RATE
FINANCE
CHARGE
Amount
Financed
Total of
Payments
The cost of your credit as
The dollar amount the
The amount of credit provided
The amount you will have
The total cost of your
a yearly rate
credit will cost you.
to you or on your behalf.
paid after you have made all
purchase on credit including
payments as scheduled.
your down-payment of
Total Sale
Price
4.113
$ 162,517.28
$ 218,956.88
$ 381,474.16
$N/A
INTEREST RATE AND PAYMENT SUMMARY

Rate & Monthly Payment
$
3.750 %
1,059.65
66.43
1,126.08
Interest Rate
Principal +Interest Payment
X Est. Taxes + Insurance (Escrow)
Includes Mortgage Insurance
Total Est. Monthly Payment
There is no guarantee that you will be able to refinance to lower your rate and payments.
DEMAND FEATURE: This obligation has a demand feature.

VARIABLE RATE FEATURE: Your loan contains a variable rate feature. Disclosures about the variable rate feature have been provided to you earlier.

MODEL FORM H-4(E)
TILFL.DSC 03/03/15
Page 1 of 2
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NO OBLIGATION: You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.
PROPERTY INSURANCE: You may obtain fire and other hazard insurance from anyone you want that is acceptable to the Creditor.
SECURITY: You are giving a security interest in:
The goods or property being purchased
90.00
FILING FEES: $
LATE CHARGE: If payment is more than

PREPAYMENT:
may
ASSUMPTION:
may
15
days late, you will be charged
4.000
% of the payment.
If you pay off early, you
X will not
X will not
may

X Real property you already own.
have to pay a penalty.

be entitled to a refund of part of the finance charge.
Someone buying your property
may, subject to conditions
may not
assume the remainder of your loan on the original terms.
See your contract documen t s for any additional information about nonpayment, default, any required repayment in full before the scheduled date and
prepayment refunds and penalties.
"e" means an estimate
all dates and numerical disclosures, except the late payment disclosures, are estimates.
Each of the undersigned acknowledges receipt of a complete copy of this disclosure. The disclosure does not constitute a contract or a commitment to lend.
06/17/15 02:03:53 PM PDT

Applicant
ALAN I GOLDBERG
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date

MODEL FORM H-4(E)
TILFL.DSC 03/03/15
Page 2 of 2
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MORTGAGE LOAN ORIGINATION AGREEMENT

Mortgage Broker Name: 1ST RATE HOME MORTGAGE, INC
Office Address and
Telephone Number:
(866)200-9989
Applicant(s): ALAN I GOLDBERG
Property Address: 1217 E AVENUE J5
You, the applicant(s), agree to enter into this Mortgage Loan Origination Agreement (the "Agreement") with the above-named
mortgage broker ("we," "us" and "our") as an independent contractor to apply for a residential mortgage loan from a
participating lender with which we from time to time contract upon such terms and conditions as you may request or a lender
may require. You inquired into mortgage us on JUNE 17, 2015
. We are licensed as a "Mortgage
Broker" under 1ST RATE HOME MORTGAGE, INC
.
SECTION 1. NATURE OF RELATIONSHIP. In connection with this mortgage loan we are acting as an independent
contractor and not as your agent. We will enter into separate independent contractor agreements with various lenders. While
we seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market
and cannot guarantee the lowest price or best terms available in the market.
SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products
to us at a wholesale rate. The retail price we offer you--your interest rate, total points and fees--will include our compensation.
In some cases, we may be paid all of our compensation by either you or the lender. Alternatively, we may be paid a portion
of our compensation by both you and the lender. For example, in some cases, if you would rather pay a lower interest rate,
you may pay higher up-front points and fees. Also, in some cases, if you would rather pay less up-front, you may be able to
pay some or all of our compensation indirectly through a higher interest rate in which case we will be paid directly by the
lender. We also may be paid by the lender based on: (i) the value of the mortgage loan or related servicing rights in the market
place, or (ii) other services, goods or facilities performed or provided by us to the lender.
By signing below, you acknowledge receipt of a copy of this signed Agreement.
06/17/15 02:04:04 PM PDT
Applicant ALAN I GOLDBERG
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
06/17/15 01:53:53 PM PDT
Mortgage Broker Representative
MORTGAGE LOAN ORIGINATION AGREEMENT

MLOA2.MSC 12/10/08
Date

401 W. BASELINE RD #102
SERVICING DISCLOSURE STATEMENT
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS:

THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED
Date: JUNE 17, 2015
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601 et
seq.). RESPA gives you certain rights under Federal law. This statement describes whether the servicing for this loan may
be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest, and escrow payments, if
any, as well as sending any monthly or annual statements, tracking account balances, and handling other aspects of your loan.
You will be given advance notice before a transfer occurs.
Check the appropriate box under "Servicing Transfer Information."
SERVICING TRANSFER INFORMATION
X We may assign, sell, or transfer the servicing of your loan while the loan is outstanding.
or
We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer the
servicing of your mortgage loan before the first payment is due.
or
The loan for which you have applied will be serviced at this financial institution and we do not intend to sell, transfer,
or assign the servicing of the loan.
ACKNOWLEDGMENT OF MORTGAGE APPLICANT

I/We have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below. I/We understand
that this acknowledgment is a required part of the mortgage loan application.
06/17/15 02:04:12 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
LOAN SERVICING DISCLOSURE STATEMENT

LSDS6.MSC 06/25/14
CONSUMER CREDIT SCORE DISCLOSURE

Date:
JUNE 17, 2015
Provided By: 1ST RATE HOME MORTGAGE, INC

The following notice is required under federal law:

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 creditrelated 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.
The following notice is required under California law:

In connection with your application for a home loan, the lender must disclose to you the score that a credit bureau
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
a credit bureau 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 creditrelated 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 credit
bureau at the address and telephone number provided with this notice, or contact the lender, if the lender developed
or generated the credit score. The credit bureau 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.
Contact Information: 1ST RATE HOME MORTGAGE, INC

(866)200-9989
By signing below, the undersigned hereby acknowledges receipt of a copy of this disclosure.
06/17/15
02:04:23 PM PDT
___________________________________
Date

CALIFORNIA CIVIL CODE 1785.20.2 AND 1785.15.1
CACCS.DSC 10/30/12
Page 1

Date: JUNE 17, 2015
CREDIT SCORING INFORMATION

The following consumer reporting agency(ies)/credit bureau(s) provided a credit score that was used by the Lender:
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
Current/Most Recent Credit Score:694
Credit Score Date: 06/16/2015 Credit Score Range:280-850

Key Factors Adversely Affecting Your Credit Score:
LEVEL OF DELINQUENCY ON ACCOUNTS
TOO MANY INQUIRIES LAST 12 MONTHS
HIGH BALANCE OWED ON REVOLVING ACCOUNTS
LATEST ACCOUNT OPENED TOO RECENTLY
TransUnion Consumer Disclosure Center
P.O. BOX 2000

CHESTER, PA 19022-2000
Web Site: www.transunion.com
Current/Most Recent Credit Score: 730

AMOUNT OWED ON ACCOUNTS IS TOO HIGH
TOO MANY ACCOUNTS WITH BALANCES
AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
Experian National Consumer Assistance Center
P.O. BOX 4500

ALLEN, TX 75013
Web Site: www.experian.com
Current/Most Recent Credit Score: 700

TOO MANY INQUIRIES IN THE PAST 12 MONTHS
BALANCE OWED ON REVOLVING ACCOUNTS IS HIGH
SERIOUS DELINQUENCY
Current/Most Recent Credit Score:

Credit Score Date:

CALIFORNIA CIVIL CODE 1785.20.2 AND 1785.15.1
CACCS.DSC 10/30/12
Page 2
Credit Score Range:
RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE

Date: JUNE 17, 2015

YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Your Credit Score
694
Your credit score
Source: Equifax
Date: 06/16/2015
Understanding Your Credit Score

What you should know
about credit scores
Your credit score is a number that reflects the information in your credit report.
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

credit score
Your credit score can affect whether you can get a loan and how much you will have to pay for
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
compares to the scores
of other consumers
Key factors that

adversely affected
your credit score

TOO MANY INQUIRIES LAST 12 MONTHS
HIGH BALANCE OWED ON REVOLVING ACCOUNTS
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 1
12 CFR 222.70-75; 16 CFR 640.1-640.6
RMCSDEQ.MSC 04/23/14
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Checking Your Credit Report

What if there are
mistakes in your
credit report?
You have a right to dispute any inaccurate information in your credit report. If you find
mistakes on your credit report, contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a

copy of your credit
report?
Under federal law, you have the right to obtain a free copy of your credit report from each of
the nationwide consumer reporting agencies once a year.
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 web site 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

more information?
For more information about credit reports and your rights under federal law, visit the Consumer
Financial Protection Bureau's website at www.consumerfinance.gov/learnmore.

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.
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.
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 2
12 CFR 222.70-75; 16 CFR 640.1-640.6
www.docmagic.com
reporting agency at the address and telephone number provided below:
Equifax
P.O. BOX 740241
ATLANTA, GA 30374
(800)685-1111
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 3
12 CFR 222.70-75; 16 CFR 640.1-640.6
www.docmagic.com

Date: JUNE 17, 2015

Your Credit Score
700
Your credit score
Source: Experian
Date: 06/16/2015

about credit scores
How we use your

credit score
that loan.
The range of scores
300
to a high of
850
How your score
of other consumers
Key factors that

adversely affected
your credit score

TOO MANY INQUIRIES IN THE PAST 12 MONTHS
BALANCE OWED ON REVOLVING ACCOUNTS IS HIGH
SERIOUS DELINQUENCY
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 1
12 CFR 222.70-75; 16 CFR 640.1-640.6
RMCSDEX.MSC 04/12/13

What if there are
mistakes in your
credit report?

copy of your credit
report?
By telephone:
On the web:
By mail:
P.O. box 105281
How can you get

more information?

scores.
change.
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 2
12 CFR 222.70-75; 16 CFR 640.1-640.6
Experian
P.O. BOX 4500
ALLEN, TX 75013
(888)397-3742
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 3
12 CFR 222.70-75; 16 CFR 640.1-640.6

Date: JUNE 17, 2015

Your Credit Score
730
Your credit score
Source: Trans Union
Date: 06/16/2015

about credit scores
How we use your

credit score
that loan.
The range of scores
300
to a high of 850
How your score
of other consumers
Key factors that

adversely affected
your credit score
AMOUNT OWED ON ACCOUNTS IS TOO HIGH

TOO MANY ACCOUNTS WITH BALANCES
AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 1
12 CFR 222.70-75; 16 CFR 640.1-640.6
RMCSDTU.MSC 04/12/13

What if there are
mistakes in your
credit report?

copy of your credit
report?
By telephone:
On the web:
By mail:
P.O. box 105281
How can you get

more information?

scores.
change.
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 2
12 CFR 222.70-75; 16 CFR 640.1-640.6
TransUnion
P.O. BOX 2000
CHESTER, PA 19022-2000
(800)916-8800
Initial: _________
FCRA 615(h); 15 USC 1681m(h);
Page 3
12 CFR 222.70-75; 16 CFR 640.1-640.6
DISCLOSURE NOTICES
Applicant(s):
Date:
JUNE 17, 2015
1217 E AVENUE J5,
ALAN I GOLDBERG
Property Address:
AFFIDAVIT OF OCCUPANCY
Applicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy status will
be as follows:
X Primary Residence - Applicant(s) shall occupy, establish, and use the Property as Applicant(s) principal residence within 60
days after closing and shall continue to occupy the Property as Applicant(s) principal residence for at least one year after
the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or
unless extenuating circumstances exist which are beyond Borrower's control.
Secondary Residence - To be occupied by Applicant(s) at least 15 days yearly, as second home (vacation, etc.), while
maintaining principal residence elsewhere. [Please check this box if you plan to establish it as your primary residence at
a future date (e.g., retirement)].
Investment Property - Not owner occupied. Purchased as an investment to be held or rented.
The Applicant(s) acknowledge it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statement
concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.
06/17/15 02:06:21 PM PDT

APPLICANT SIGNATURE
ALAN I GOLDBERG
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
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, subjected 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, prov ided 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 hereto, and understand my rights and privileges
and those of the lender relative to the placing of such insurance.
I have selected the following agencies to write the insurance covering the property described above:
STATE
FARM
MIKE
Insurance Company Name
44337
CHALLENGER WAY LANCASTER CA 93535-3861
Agent's Address
06/17/15 02:10:33 PM PDT

APPLICANT SIGNATURE
IRWIN
Agent
661 940 1588

Telephone Number
ALAN I GOLDBERG
APPLICANT SIGNATURE
APPLICANT SIGNATURE
APPLICANT SIGNATURE
FAIR CREDIT REPORTING ACT

A n investigation w ill be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any
investigation w ill be furnished to you upon written request made within a reasonable period of time. In the event of credit denial due to an
unfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making such report and of your 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.
06/17/15 02:13:46 PM PDT

APPLICANT SIGNATURE
APPLICANT SIGNATURE
DISCLOSURE NOTICES
DN6.MSC 09/01/10
ALAN I GOLDBERG
APPLICANT SIGNATURE
APPLICANT SIGNATURE
Page 1 of 2
FHA LOANS ONLY

IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST CHARGES
UNTIL THE END OF THAT MONTH.
GOVERNMENT LOANS ONLY

RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is a 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 a financial institution in connection with the consideration of administration of assistance to you. Financial records involving your
transaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairs without further
notice or authorization but will not be disclosed or released to another Government agency or Department without your consent except
as required or permitted by law.
06/17/15 02:13:55 PM PDT

APPLICANT SIGNATURE
APPLICANT SIGNATURE
DISCLOSURE NOTICES
DN6.MSC 09/01/10
ALAN I GOLDBERG
APPLICANT SIGNATURE
APPLICANT SIGNATURE
Page 2 of 2
USA PATRIOT ACT

IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
Date: JUNE 17, 2015
Applicant(s): ALAN I GOLDBERG
To help the government fight the funding of terrorism and money laundering activities, Federal law requires
all financial institutions to obtain, verify, and record information that identifies each person who opens an
account. What this means for you: When you open an account, we will ask for your name, address, date of
birth, and other information that will allow us to identify you. We may also ask to see your driver's license or
other identifying documents.
By signing below, I/we acknowledge that I/we have read and received a copy of this document.
06/17/15 02:14:09 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

31 CFR 1020.220
IICIV.MSC 03/18/13
www.docmagic.com
DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS

Date: JUNE 17, 2015
Lender: 1ST RATE HOME MORTGAGE, INC
Borrower(s): ALAN I GOLDBERG

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 cost.
06/17/15 02:14:15 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS

15 U.S.C. 1691(e); 12 CFR 1002.14(a)(2)
DRRCA.MSC 03/03/14
www.docmagic.com
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE

Date: JUNE 17, 2015
The Federal 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 the applicant has the capacity to enter into
a binding contract); because all or part of the applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The Federal Agency that administers compliance with this law concerning this creditor is:
Federal Trade Commission

Equal Credit Opportunity
Washington, DC 20580
06/17/15 02:14:21 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE

12 CFR 1002.9(b)
ECOA.LSR 09/30/14
www.docmagic.com

Rev.
FACTS
WHAT DOES 1ST RATE HOME MORTGAGE, INC

DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the
right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and
protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
Social Security number and income
Account balances and payment history
Credit history and credit scores
How?
All financial companies need to share customers' personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers' personal
information; the reasons 1ST RATE HOME MORTGAGE, INC
chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does 1ST RATE HOME

MORTGAGE, INC share?
Can you limit

this sharing?
YES
NO
For our everyday business purposes such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or report to credit
bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes information about your transactions and experiences
For our affiliates' everyday business purposes information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
To limit
our sharing
Questions?
Call (866)200-9989
- our menu will prompt you through your choice(s)
Visit us online:
or
Mail the form below
Please note:
If you are a new customer, we can begin sharing your information 30
days from the date we
sent this notice. When you are no longer our customer, we continue to share your information as
described in this notice. However, you can contact us at any time to limit our sharing.
Call (866)200-9989
or go to
Mail-in Form
Leave Blank
OR
Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday
business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with nonaffiliates to market their products and services to me.
Name
Mail to:
ALAN I GOLDBERG
1ST RATE HOME
MORTGAGE, INC
401 W. BASELINE
1217 E AVENUE J5
Address
RD #102, TEMPE,
ARIZONA 85283
City, State, Zip
53502375
PRIVACY FORM - OPT OUT
15 U.S.C. 6801 et seq.; 12 CFR 1016 Appendix A
PFOO.MSC 11/08/12
Page 1 of 2
Page 2
Who we are
Who is providing this notice?
What we do
How does 1ST RATE HOME
MORTGAGE, INC
To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
protect my personal information?

How does 1ST RATE HOME
MORTGAGE, INC
collect my personal information?
We collect your personal information, for example, when you:

or deposit money
pay your bills or apply for a loan
use your credit or debit card
OR
Why can't I limit all sharing?
What happens when I limit sharing

for an account I hold jointly with
someone else?
We also collect your personal information from others, such as

credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only:

sharing for affiliates' everyday business purposes - information about your
creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing.
OR
Your choices will apply to everyone on your account unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and

nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial

and nonfinancial companies.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together

market financial products or services to you.
Other important information
PRIVACY FORM - OPT OUT

15 U.S.C. 6801 et seq.; 12 CFR 1016 Appendix A
PFOO.MSC 11/08/12
Page 2 of 2
BROKER AGREEMENT
All documents provided by the borrower or at the expense of the borrower to the mortgage broker, including any
appraisals, are the property of the borrower and shall, at the borrower's request, be returned to the borrower or
transferred to any person designated by the borrower without further expense to the borrower if the loan is not
consummated, provided that any such document is not prohibited by law from being transferred or returned.
06/17/15 02:14:57 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
1st Rate Home Mortgage, Inc.

401 W. Baseline Rd., #102., Tempe, AZ 85282
480.776.2555 | 480-776-2554
MB-0909554
BROKER AGREEMENT
BA.FRH 07/16/13
www.docmagic.com
LOAN OPTIONS CERTIFICATION

(TRUTH-IN-LENDING ACT ANTI-STEERING SAFE HARBOR DISCLOSURE)
Date: JUNE 17, 2015
Broker: 1ST RATE HOME MORTGAGE, INC.
The Federal Truth-in-Lending Act and Regulation Z prohibit
and (the "loan originator," "we," "us") from directing or "steering" you (the borrower(s), "I") to consummate a loan based
on the fact that we will receive greater compensation from the creditor ("lender") in the transaction than in other transactions
we offered or could have offered to you, unless the loan is in your interest.
"Steering" means advising, counseling, or otherwise influencing you to accept the loan. Because we are receiving compensation
from the lender that may be greater than the compensation for other loans available through us for which you are likely to
qualify at this time, your loan must be compared to other possible loan offers available through us, if any, for which you were
likely to qualify at the time we offered this transaction to you, to ensure that the loan you accepted is in your interest.
To ensure compliance with these requirements, we obtained loan options from a significant number of creditors with whom
we regularly do business for each type of loan in which you expressed an interest and presented options to you. In cases where
we regularly do business with less than three creditors, options from all Creditors with whom we do business were presented.
The options presented included: The loan with the lowest interest rate. The loan with the lowest total dollar amount for
origination points or fees and discount points. The loan with the lowest rate with no risky features, including a
prepayment fee, negative amortization, a balloon term of less than 7 years, a demand feature, a shared equity feature,
or a shared appreciation feature. Although these are the examples that must be presented, it does not mean that I must
choose one. Other factors should be considered and addressed when choosing a home loan that may not be addressed
simply in terms of rate and fees. These other factors may include but are not limited to service turn times, average
approval rates with a creditor and average days to close.
BORROWER CERTIFICATION
By signing below, you affirm the following:
I understand that "we" (broker/loan originator) may receive greater compensation from the lender on this loan than in other
transactions offered or could have offered to me or that the loans presented may not truly be the options that are in my best
interest. The loan options described above were presented to me, and I have determined that this loan is in my best interest
when compared with other available options. I understand that the broker and lender will rely on this Loan Options
Certification as evidence of my determination that this loan is in my interest, and I confirm that the loan originator, broker
or creditor did not advise, counsel, or otherwise influence me to accept the loan for reasons other than my own benefit.
06/17/15 02:15:07 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
BROKER CERTIFICATION
By signing below, I affirm the following:
As required by the "safe harbor" provision of Regulation Z, 12 CFR 226.36, we presented loan options to the borrower that
meet the requirements described above.

06/17/15 01:53:59 PM PDT
Mortgage Loan Company
LOAN OPTIONS CERTIFICATION

LOC.CM 04/19/11
Date
Mortgage Loan Originator
Date
NOTICE OF INTENT TO PROCEED

WITH LOAN APPLICATION
Date: JUNE 17, 2015
Name of Originator: DAVID FERGUSON REESE (NMLS # 173439)
1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)
NOTE: DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION
COVERED BY THE GFE. 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"), dated
, hereby expresses his or her intention to continue with the loan application
covered by the GFE.
JUNE 17, 2015
06/17/15 02:15:20 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
NOTICE OF INTENT TO PROCEED WITH LOAN APPLICATION

12 CFR 1024.7(f)(4)
NIPLA.GFE 12/30/11

HUD/VA Addendum to Uniform Residential Loan Application
Part I - Identifying Information
1.
VA Application for
Home Loan Guaranty
(mark the type of application)
2. Agency Case No. (include any suffix)
OMB Approval No. VA: 2900-0144 (exp. 11/30/2016)

HUD: 2502-0059 (exp. 04/30/2017)
3. Lender's Case No.
HUD/FHA Application for

Insurance under the
National Housing Act
5. Borrower's Name & Present Address (include zip code)
Alan I Goldberg
1217 E Avenue J5
Lancaster, California 93535
6. Property Address (including name of subdivision, lot & block no. & zip code)
1217 E AVENUE J5, LANCASTER,

CALIFORNIA 93535
4. Section of the Act

(for HUD cases)
53502375
7. Loan Amount (include the UFMIP if for HUD or
8. Interest Rate
Funding Fee if for VA)
228,809.00
10. Discount Amount

(only if borrow er is
permitted to pay)
3.750 % 30
11. Amount of Up
Front Premium
$
7,309.50
13. Lender's I.D. Code
12a. Amount of Monthly

Premium
$
yrs.
mos.
12b. Term of Monthly

Premium
12
/mo.
months
14. Sponsor/Agent I.D. Code
9102760000
15. Lender's Name & Address (include zip code)
9. Proposed Maturity
9007604801
16. Name & Address of Sponsor/Agent
PACIFIC UNION FINANCIAL, LLC

PO BOX 7071
TROY, MICHIGAN 48007

401 W BASELINE RD #102
17. Lender's Telephone Number
(866)200-9989
Type or Print all entries clearly

VA:
The veteran and the lender hereby apply to the Secretary of Veterans Affairs for Guaranty of the loan described here under Section 3710, Chapter 37, Title 38,
United States Code, to the full extent permitted by the veteran's entitlement and severally agree that the Regulations promulgated pursuant to Chapter 37, and in
effect on the date of the loan shall govern the rights, duties, and liabilities of the parties.
18. First Time

19. VA Only
Homebuyer? Title will be Vested in:
a.
Yes
Veteran
b.
No
Veteran & Spouse
Other (specify)
20. Purpose of Loan (blocks 9-12 are for VA loans only)

1)
Purchase Existing Home Previously Occupied
2)
Finance Improvements to Existing Property
3)
Refinance (Refi.)
4)
Purchase New Condo. Unit
5)
Purchase Existing Condo. Unit
6)
Purchase Existing Home Not Previously Occupied
7)
8)
9)
10)
11)
12)
Construct Home (proceeds to be paid out during construction)

Finance Co-op Purchase
Purchase Permanently Sited Manufactured Home
Purchase Permanently Sited Manufactured Home & Lot
Refi. Permanently Sited Manufactured Home to Buy Lot
Refi. Permanently Sited Manufactured Home/Lot Loan
Part II - Lender's Certification

21. The undersigned lender makes the following certifications to ind uce the
Department of Veterans Affairs to issue a certificate of commitment to guarantee
the subject loan or a Loan Guaranty Certificate under Title 38, U.S. Code, or to
induce the Department of Housin g and Urban Development - Federal Housing
Commissioner to issue a firm commitment for mortgage insurance or a Mortgage
Insurance Certificate under the National Housing Act.
A.
The loan terms furnished in the Uniform Residential Loan Application and
this Addendum are true, accurate and complete.
B.
The information contained in the Uniform Residential Loan Application and
this Addendum was obtained directly from the borrower by a employee of
the undersigned lender or its duly authorized agent and is true to the best
of the lender's knowledge and belief.
C.
The credit report submitted on the subject borrower (and co-borrower, if
any) was ordered by the undersigned lender or its duly authorized agent
directly from the credit bureau which prepared the report and was received
directly from said credit bureau.
D.
The verification of employment and verification of deposits were requested
and received by the lender or its duly authorized agent without passing
through the hands of any third persons and are true to the best of the
lender's knowledge and belief.
E.
F.
G.
The Uniform Residential Loan Application and this Addendum were signed
by the borrower after all sections were completed.
This proposed loan to the named borro wer meets the income and credit
requirements of the governing law in the judgment of the undersigned.
To the best of my knowledge and belief, I and my firm and its principals:
(1) are not presently debarred, suspended, proposed for debarment,
declared ineligible, or voluntarily excluded from covered transactions by any
Federal department or agency; (2) have not, within a three-year perio d
preceding this proposal, been convicted of or had a civil judgment rendered
against them for (a) commission of fraud or a criminal offense in connection
with obtaining, attempting to obtain, or performing a public (Federal, State
or local) transaction or contract under a public transaction; (b) violation of
Federal or State antitrust statutes or commission of embezzlement, theft,
forgery, bribery, falsification or des t ruction of records, making false
statements, or receiving stolen property; (3) are not presently indicted for
or otherwise criminally or civilly charged by a governmental entity (Federal,
State or local) with commission of any of the offenses enumerated in
paragraph G(2) of this certification; and (4) have not, within a three-year
peri od preceding this application/proposal, had one or more public
transactions (Federal, State or local) terminated for cause or default.
Items "H" through "J" are to be completed as applicable for VA loans only.
H.
The names and functions of any duly authorized agents who developed on behalf of the lender any of the information or supporting credit data submitted are as follows:
Name & Address
Function (e.g., obtained information on the Uniform Residential Loan Application,
David Ferguson Reese

1st Rate Home Mortgage, Inc.
401 W. Baseline Rd. #102
Tempe, Arizona 85283
ordered credit report, verifications of employment, deposits, etc.)
If no agent is shown above, the undersigned lender affirmatively certifies that all information and supporting credit data were obtained directly by the lender.
The undersigned lender understands and agrees that it is responsible for the omissions, errors, or acts of agents identified in item H as to the functions with which
they are identified.
J.
The proposed loan conforms otherwise with the applicable provisions of Title 38, U.S. Code, and of the regulations concerning guaranty or insurance of loans
to veterans.
Signature of Officer of Lender
Title of Officer of Lender
Date (mm/dd/yyyy)
I.
06/17/15 01:54:19 PM PDT
Initial:
form HUD-92900-A (09/2010)
VA Form 26-1802a (06/2014)
Page 1 of 3
______
www.docmagic.com
Part III - Notices to Borrowers. Public reporting burden for this collection of information is estimated to
average 6 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
can be located on the OMB Internet page at http://www.whitehouse.gov/omb/library/OMBINV.LIST.OF.AGENCIES.html#LIST_OF_AGENCIES.
Privacy Act Information.
The information requested on the Uniform Residential Loan Application and this Addendum is authorized by 38 U.S.C. 3710 (if for DVA) and 12 U.S.C. 1701 et seq.
(if for HUD/FHA). The Debt Collection Act of 1982, Pub. Law 97-365, and HUD's Housing and Community Development Act of 1987, 42 U.S.C. 3543, require persons
applying for a federally insured or guaranteed loan to furnish his/her social security number (SSN). You must provide all the requested information, including your SSN.
HUD and/or VA may conduct a computer match to verify the information you provide. HUD and/or VA 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 or VA, except
as required and permitted by law. The information will be used to determine whether you qualify as a mortgagor. Any disclosure of information outside VA or HUD/FHA
will be made only as permitted by law. 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 VA or 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 VA and HUD/FHA without
further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as
required or permitted by law. Caution. 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 lender 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 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 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 can and will be
used to recover any debts owed when it is determined to be in the interest of the lender and/or the Federal Government to do so.
Part IV - Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration to verify my Social Security number to the Lender identified in this document and HUD/FHA, through a computer match
conducted by HUD/FHA.
I understand that my consent allows no additional information from my Social Security records to be provided to the Lender, and HUD/FHA and that verification of
my Social Security number does not constitute confirmation of my identity. I also understand that my Social Security number may not be used for any other purpose
than the one stated above, including resale or redisclosure to other parties. The only other redisclosure permitted by this authorization is for review purposes to ensure
that HUD/FHA complies with SSA's consent requirements.
I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under the penalty of perjury that the information
contained herein is true and correct. I know that if I make any representation that I know is false to obtain information from Social Security records, I could be punished
by a fine or imprisonment or both.
This consent is valid for 180 days from the date signed, unless indicated otherwise by the individual(s) named in this loan application.
Read consent carefully. Review accuracy of social security number(s) and birth dates provided on this application.
Signature(s) of Borrower(s)
Date Signed
Signature(s) of Co-Borrower(s)
Date signed
06/17/15 02:15:46 PM PDT
Part V - Borrower Certification

22. Complete the following for a HUD/FHA Mortgage.
22a. Do you own or have you sold other real estate within the past 60 months on
which there was a HUD/FHA mortgage?
Yes
No
Is it to be sold?
Yes
No
22b. Sales Price
22c. O riginal Mortgage Amt.
22d. Address
22e. If the dwelling to be covered by this mortgage is to be rented, is it a part of, adjacent or contiguous to any project subdivision or group of concentrated rental properties
involving eight or more dwelling units in which you have any financial interest?
Yes
No If "Yes" give details.
22f. Do you own more than four dwellings?
Yes
No
If "Yes" submit form HUD-92561.
23. Complete for VA-Guaranteed Mortgage.
Have you ever had a VA home Loan?
Yes
No
IMPORTANT: If you are certifying that you are married for the purpose of VA benefits, your marriage must be recognizedby the place where you and/or your spouse resided at the time of
marriage, or where you and/or your spouse resided when you filed your claim (or a later datewhen you become eligible for benefits) (38 U.S.C. 103(c)). Additional guidance on when VA
recognizes marriages is available at http://www.va.gov/opa/marriage/.
24. Applicable for Both VA & HUD. As a home 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 though 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 VA or to HUD/FHA and who will assume the payment of your obligation to the lender, you will not be relieved from liability to repay any
claim which VA or HUD/FHA may be required to pay your lender on account of default in your loan payments. The amount of any such claim payment will be
a debt owed by you to the Federal Government. This debt will be the object of established collection procedures.
form HUD-92900-A (09/2010)

VA Form 26-1802a (06/2014)
Page 2 of 3
www.docmagic.com
25. I, the Undersigned Borrower(s) Certify that:

(1) I have read and understand the foregoing concerning my liability on the loan
and Part III Notices to Borrowers.
(2) Occupancy: (for VA only -- mark the applicable box)
(a) I now act ually occupy the above-described property as my home or
intend to move int o and occupy said property as my home within a
reasonable period of time or intend t o reoccupy it after the completion of
major alterations, repairs or improvements.
(b) My spouse is on active military duty and in his or her absence, I occupy or
intend to occupy the property securing this loan as my home.
(c) I previously occupied the property securing this loan as my home. (for
interest rate reductions)
(d) While my spouse was on active military duty and unable to occupy the
property securing this loan, I previously occupied the property that is
securing this loan as my home. (for interest rate reduction loans)
Note: If box 2b or 2d is checked, the veteran's spouse must also sign below.
(3) Mark the applicab le box (not applicable for Home Improvement or
Refinancing Loan) I have been informed that ($ N/A
) is:
the reasonable value of the property as determined by VA or;
the statement of appraised value as determined by HUD/FHA.
Note: If the contract price or cost exceeds the VA "Reasonable Value" or
HUD/FHA "Statement of Appraised Value", mark either item (a) or item (b),
whichever is applicable.
(a) I was aware of this valuation when I signed my contract and I have paid or
will pay in cash from my own resources at or prior to loan closing a sum equal
to the difference between the contra ct purchase price or cost and the VA or
HUD/FHA established value. I do not and will not have outstanding after loan
closing any unpaid contractual obligation on account of such cash payment;
(4)
(5)
(6)
(b) I was not aware of this valuation when I signed my contract but have elected
to complete the transaction at the contract purchase price or cost. I have paid or
will pay in cash from my own resources at or prior to loan closing a sum equal to
the difference between contract purchase price or cost and the VA or HUD/FHA
established value. I do not and will not have outstanding after loan closing any
unpaid contractual obligation on account of such cash payment.
Neither I, nor anyone authorized to act for me, will refu se to sell or rent,
after the making of a bona fide offer, or refuse to negotiate for the sale or
rental of, or otherwise make unavailable or deny the dwelling or property
covered by his/her loan to any person because of race, color, religion, sex,
handicap, familial status or national origin. I recognize that any restrictive
covenant on this property relating to race, color, religion, sex, handicap,
familial st at us or national origin is illegal and void and civil action for
preventive relief may be brought by the A t torney General of the United
States in any appropriate U.S. District Court against any person responsible
for the violation of the applicable law.
All information in this application is given for the purpose of obtaining a loan
to be insured und er t he National Housing Act or guaranteed by the
Department of Veterans Affairs 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.
For HUD Only (for propert ies constructed prior to 1978) I have received
information on lead paint poisoning.
Yes
Not Applicable
I am aware that neither HUD/FHA nor VA warrants the condition or value of
the property.
(7)
Signature(s) of Borrower(s) -- Do not sign unless this application is fully completed. Read the certifications carefully & review accuracy of this application.
Signature(s) of Borrower(s)
Date Signed
Signature(s) of Co-Borrower(s)
Date Signed
06/17/15 02:15:54 PM PDT

(Borrowers Must Sign Both Parts IV & V) Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy
purposed to influence the issuance of any guaranty or insurance by the VA Secretary or the HUD/FHA Commissioner.
form HUD-92900-A (09/2010)

VA Form 26-1802a (06/2014)
Page 3 of 3
www.docmagic.com
DEPARTMENT OF VETERANS AFFAIRS

WASHINGTON, D.C. 20420
INTEREST RATE AND DISCOUNT DISCLOSURE STATEMENT

1. This statement regarding the interest rate and discount points that you may pay on a mortgage guaranteed by VA
(Department of Veterans Affairs) must be delivered to you prior to execution of the borrower's certification on the HUD/VA
Addendum to the Uniform Residential Loan Application.
2. VA does not establish the interest rate for mortgage loans to be guaranteed or set either a maximum or minimum
on the interest rate or on discount points that may be paid by you. This means that you may pay such interest rate and discount
points as you and the lender agree upon. The seller may also pay the discount points, or a portion thereof, if you and the seller
agree to such an agreement.
3. It is important for you to understand that the interest rate and discount points and the length of time the lender will
honor the loan terms are all freely negotiable with the lender. Lenders may agree to offer the loan terms for a definite period
of time (i.e., 30, 60, or 90 days), or may refuse to do so. This arrangement is commonly referred to as a lock-in agreement.
Keep in mind that your agreement with the seller will also affect the date you can close your loan.
4. The terms of your agreement with the lender will determine the degree, if any, that the interest rate and discount
points may change before closing. An increase of more than 1 percent in the interest rate requires reunderwriting of the loan
approval by VA or by the lender. It may be necessary for the lender to obtain your signature on a new application. If, after
reunderwriting, it is determined that you remain qualified from a credit risk standpoint, the conditions of your agreements with
the lender and the seller may require you to complete the transaction or lose your deposit.
IT IS YOUR RESPONSIBILITY TO ASSURE THAT YOU
UNDERSTAND THE TRANSACTION
Signed:
06/17/15 02:16:11 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
INTEREST RATE AND DISCOUNT DISCLOSURE STATEMENT

IRADDS.LSR 11/29/12
AUTOMATED VALUATION MODEL NOTICE

Date: JUNE 17, 2015
AN AUTOMATED VALUATION MODEL IS NOT AN APPRAISAL. IT IS A COMPUTERIZED

PROPERTY VALUATION SYSTEM THAT IS USED TO DERIVE A REAL PROPERTY VALUE.
YOU HAVE THE RIGHT TO RECEIVE A COPY OF THE AUTOMATED VALUATION MODEL (AVM)
RESULT USED IN CONNECTION WITH YOUR APPLICATION FOR CREDIT. IF YOU WISH TO
RECEIVE A COPY OF THE AVM RESULT, PLEASE SEND YOUR WRITTEN REQUEST TO:

LENDER MUST RECEIVE YOUR REQUEST FOR A COPY OF THE AVM RESULT NO LATER THAN
90 DAYS AFTER LENDER PROVIDES NOTICE OF THE ACTION TAKEN ON YOUR APPLICATION OR
A NOTICE OF INCOMPLETENESS, OR IN THE CASE OF A WITHDRAWN APPLICATION, 90 DAYS
AFTER THE WITHDRAWAL. FURTHER NOTE THAT RELEASE OF THE COPY OF THE AVM RESULT
MAY BE CONDITIONED UPON PAYMENT OF A FEE.
IN YOUR REQUEST, PLEASE INCLUDE THE FOLLOWING INFORMATION: YOUR NAME AND
ADDRESS, THE PROPERTY ADDRESS (IF DIFFERENT FROM YOUR ADDRESS), AND YOUR LOAN
OR APPLICATION NUMBER, IF YOU KNOW THEM.
CALIFORNIA AUTOMATED VALUATION MODEL NOTICE

CA Finance Code 22317.2
12/28/06
Page 1 of 2
Each of the undersigned hereby acknowledges receipt of a copy of this Automated Valuation Model Notice.
06/17/15 02:16:22 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
CALIFORNIA AUTOMATED VALUATION MODEL NOTICE

CA Finance Code 22317.2
12/28/06
Page 2 of 2
BORROWER'S ACKNOWLEDGMENT OF DISCLOSURES

Date: JUNE 17, 2015
By signing below, I acknowledge that I have received a "Good Faith Estimate" and all the applicable disclosures
required by the Truth-in-Lending Act.
THIS DOES NOT CONSTITUTE A LOAN COMMITMENT.
06/17/15 02:16:31 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
BORROWER'S ACKNOWLEDGMENT OF DISCLOSURES

BAOD.MSC 02/08/11
ACKNOWLEDGMENT OF RECEIPT OF GOOD FAITH ESTIMATE

AND TRUTH IN LENDING ACT DISCLOSURES
Date: JUNE 17, 2015
The undersigned ("you" or "your") hereby acknowledge receipt of a "good faith estimate" of the charges which you
are likely to incur at the settlement of your loan as provided pursuant to the Real Estate Settlement Procedures Act
of 1974, as amended (12 U.S.C.A. 2601 et seq.), and all applicable disclosures required by the Truth in Lending Act,
as amended (15 U.S.C.A. 1601 et seq.).
06/17/15 02:16:37 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
CALIFORNIA ACKNOWLEDGMENT OF RECEIPT

CA Business & Professions Code 10240(c)
CAAR.MSC 03/18/13
www.docmagic.com
CALIFORNIA COPIES OF SIGNED DOCUMENTS

Date: JUNE 17, 2015
Applicant Name(s): ALAN I GOLDBERG

It is your responsibility to obtain machine copies of forms furnished for application by mail before returning the
signed documents back to the above-named Lender (Cal. Code Regs. Tit. 10, 1950.204).
By signing below, you acknowledge that you have received and read a copy of this notice.
06/17/15 02:16:41 PM PDT
Applicant ALAN I GOLDBERG
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
CALIFORNIA COPIES OF SIGNED DOCUMENTS

Cal. Code Regs. Tit. 10, 1950.204
CACOSD.MSC 02/24/12
THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977

FAIR LENDING NOTICE
IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE
BECAUSE OF THE CONSIDERATION OF:
1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING
A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR
CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR
2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, DOMESTIC PARTNERSHIP, NATIONAL ORIGIN OR ANCESTRY.
IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A
NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT
SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A
HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND
CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.
THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION,
REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER
AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.
IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE
MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:
Department of Business Oversight
300 South Spring Street, Suite 15513
Los Angeles, CA 90013

45 Freemont Street, Suite 1700
San Francisco, CA 94104-2219

320 West 4th Street, Suite 750
Los Angeles, CA 90013

One Sansome Street, Suite 600
San Francisco, CA 94104-2219

1515 K Street, Suite 200
Sacramento, CA 95814-4052

1350 Front Street, #2034
San Diego, CA 92101-3697
7575 Metropolitan Drive, Suite 108
San Diego, CA 92108
Acknowledgment of Receipt:
I/We received a copy of this notice.
06/17/15 02:17:04 PM PDT
Borrower
ALAN I GOLDBERG
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE

CA Health & Safety Code 35830; 21 CCR 7114
CAFLNB.MSC 03/05/15
www.docmagic.com
HAZARD INSURANCE DISCLOSURE

PURSUANT TO CALIFORNIA CIVIL CODE 2955.5
Date: JUNE 17, 2015
NO LENDER SHALL REQUIRE A BORROWER, AS A CONDITION OF RECEIVING OR MAINTAINING A LOAN

SECURED BY REAL PROPERTY, TO PROVIDE HAZARD INSURANCE COVERAGE AGAINST RISKS TO THE
IMPROVEMENTS ON THAT REAL PROPERTY IN AN AMOUNT EXCEEDING THE REPLACEMENT VALUE
OF THE IMPROVEMENTS ON THE PROPERTY.
THIS DISCLOSURE IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND.
By signing below, I hereby acknowledge receipt of a true copy of this disclosure.
06/17/15 02:17:22 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
CALIFORNIA HAZARD INSURANCE DISCLOSURE

CA Civil Code 2955.5
CAHID.MSC 12/29/11
Department of
Veterans Affairs
COUNSELING CHECKLIST FOR MILITARY HOMEBUYERS

1. Failure on the part of a borrower on active duty to disclose that he/she expects to leave the area within 12 months due to
transfer orders or completion of his/her enlistment period may constitute "bad faith." If your loan is foreclosed under
circumstances which include such bad faith, you may be required to repay VA for any loss suffered by the Government
under the guaranty. (In ANY case in which VA suffers a loss under the guaranty, the loss must be repaid before your loan
benefits can be restored to use in obtaining another VA loan).
2. Although real estate values have historically risen in most areas, there is no assurance that the property for which you are
seeking financing will increase in value or even retain its present value.
3. It is possible that you may encounter difficulty in selling your house, recovering your investment or making any profit,
particularly if there is an active new home market in the area.
4. Receiving military orders for a permanent change of duty station or an unexpected early discharge due to a reduction in
force will not relieve you of your obligation to make your mortgage payments on the first of each month.
5. "Letting the house go back" is NOT an acceptable option. A decision to do so may be considered "bad faith." A
foreclosure will result in a bad credit record, a possible debt you will owe the government and difficulty in getting more
credit in the future.
6. If unexpected circumstances lead to difficulty in making your payments, contact your mortgage company promptly. It
will be easier to resolve any problems if you act quickly and be open and honest with the mortgage company.
7. YOUR VA LOAN MAY NOT BE ASSUMED WITHOUT THE PRIOR APPROVAL OF VA OR YOUR LENDER.
8. DO NOT BE MISLED! VA does not guarantee the CONDITION of the house which you are buying, whether it is new
or previously occupied. VA guarantees only the LOAN. You may talk to many people when you are in the process of
buying a house. Particularly with a previously occupied house, you may pick up the impression along the way that you
need not be overly concerned about any needed repairs or hidden defects since VA will be sure to find them and require
them to be repaired. This is NOT TRUE! In every case, ultimately, it is your responsibility to be an informed buyer and
to assure yourself that what you are buying is satisfactory to you in all respects. Remember VA guarantees only the loan NOT the condition.
9. If you have any doubts about the condition of the house which you are buying, it is in your best interest to seek expert
advice before you legally commit yourself in a purchase agreement. Particularly with a previously occupied house, most
sellers and their real estate agents are willing to permit you, at your expense, to arrange for an inspection by a qualified
residential inspection service. Also, most sellers and agents are willing to negotiate with you concerning what repairs are
to be included in the purchase agreement. Steps of this kind can prevent many later problems, disagreements, and major
disappointments.
10. Proper maintenance is the best way to protect your home and improve the chance that its value will increase.
11. If you are buying a previously owned house, you should look into making energy efficient improvements. You can add
up to $6,000 to your VA loan to have energy efficient improvements installed. Consult your lender or the local VA office.
I HEREBY CERTIFY THAT the lender has counseled me and I fully understand the counseling items set forth above.
06/17/15 02:17:42 PM PDT
(Borrower's Signature)
(Date)
ALAN I GOLDBERG
I HEREBY CERTIFY THAT the borrower has been counseled regarding the counseling items set forth above.
06/17/15 01:54:38 PM PDT
(Lender's Signature)
(Date)
VA FORM
JUN 1995
26-0592
EXISTING STOCK OF VA FORM 23-0592, JUL 1990,

WILL BE USED.
www.docmagic.com
HOMEOWNERSHIP COUNSELING NOTICE

Date: JUNE 17, 2015

Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) 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.
If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the
Consumer Financial Protection Bureau's (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor, and
enter your zip code.
You can also access HUD's housing counseling agency website via www.consumerfinance.gov/mortgagehelp.
For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).
06/17/15 02:17:50 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
HOMEOWNERSHIP COUNSELING NOTICE

12 CFR 1024.20(a)
HCN.MSC 01/10/14
www.docmagic.com
HOUSING COUNSELORS NEAR YOU

Date: JUNE 17, 2015
10 CLOSEST RESULTS TO ZIP CODE 93535

The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development
(HUD), and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit
based on your objectives and circumstances, often at little or no cost to you. This list shows you several approved
agencies in your area. You can find other approved counseling agencies at the Consumer Financial Protection Bureau's
(CFPB) website: consumerfinance.gov/mortgagehelp or by calling 1-855-411-CFPB (2372). You can also access a
list of nationwide HUD-approved counseling intermediaries at http://portal.hud.gov/hudportal/HUD?src=/ohc_nint
1. CLEARPOINT FINANCIAL SOLUTIONS INC.

1605 E Palmdale Blvd, Suite E
Palmdale, California 93550-4882
Distance
15.7 miles
Website: http://www.clearpointccs.org
Phone: 800-750-2227
Email Address: none@aol.com
Languages:
ASL, English, Other, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Non-Delinquency Post Purchase Workshops |
Predatory Lending Education Workshops | Pre-purchase Counseling | Pre-purchase Homebuyer Education
Workshops | Rental Housing Counseling
HOUSING COUNSELORS NEAR YOU AS OF 06/17/2015

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
2. PURE HEARTS R US HOUSING CORPORATION

1051 W. Columbia Way, Suite 208
LANCASTER, CALIFORNIA 93534-8156
Distance
16.0 miles
Website: www.pureheartsrus.org
Phone: 661-361-1172
Email Address: lawphrus@pureheartsrus.org
Languages:
English, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Resolving/Preventing Mortgage Delinquency
Workshop | Financial Management/Budget Counseling | 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
3. INLAND FAIR HOUSING AND MEDIATION BOARD - VICTORVILLE BRANCH (SAN

BERNARDINO COUNTY)
15428 Civic Drive, Suite 225
VICTORVILLE, CALIFORNIA 92392-2362
Distance
34.3 miles
Website: http://www.ifhmb.com
Phone: 909-984-2254
Email Address: landerson@ifhmb.com
Languages:
English, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Pre-purchase Homebuyer Education Workshops

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
4. CLEARPOINT CREDIT COUNSELING SOLUTIONS - GLENDALE BRANCH

200 N Maryland Ave Ste 102, Glendale, California 91206-4275
Distance
44.5 miles
Phone: 877-877-1995
Email Address: customer.service@clearpointccs.org
Languages:
Services:
5. HOMETOWN COMMUNITY DEVELOPMENT CORP, DBA HOMESTRONG USA

8711 Monroe Ct, Suite A
Rancho Cucamonga, California 91730-4898
Distance
46.1 miles
Website: http://www.homestrongusa.org
Phone: 877-647-8764
Email Address: info@homestrongusa.org
Languages:
English, Spanish
Services:
Workshop | Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
6. HOUSING OPPORTUNITIES COLLABORATIVE - INLAND EMPIRE BRANCH

8711 Monroe Court, Suite A
RANCHO CUCAMONGA, CALIFORNIA 91730-4898
Distance
46.1 miles
Website: www.HousingCollaborative.org
Phone: 909-758-8992
Email Address: info.ie@housingcollaborative.org
Languages:
English, Spanish
Services:
Workshop | Financial Management/Budget Counseling | Financial: Budgeting and Credit Repair
Workshops | Home Improvement and Rehabilitation Counseling | Non-Delinquency Post Purchase
Workshops | Predatory Lending Education Workshops | Pre-purchase Counseling | Pre-purchase
Homebuyer Education Workshops | Rental Housing Counseling | Rental Housing Workshops
7. NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC.

320 W G St Ste 103
Ontario, California 91762-3233
Distance
46.2 miles
Website: http://nphs.info
Phone: 909-988-5979
Email Address: N/A
Languages:
English, Other, Spanish
Services:
Mortgage Delinquency and Default Resolution Counseling | Financial Management/Budget Counseling |
Home Improvement and Rehabilitation Counseling | Non-Delinquency Post Purchase Workshops |
Workshops

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
8. CLEARPOINT CREDIT COUNSELING SOLUTIONS - GRANADA HILLS BRANCH

16800 Devonshire St, Suite 301
Granada Hills, California 91344-7403
Distance
47.3 miles
Phone: 877-877-1995
Email Address: customer.service@clearpointccs.org
Languages:
Services:
9. MONTEBELLO HOUSING DEVELOPMENT CORP.

1619 Paramount Blvd
MONTEBELLO, CALIFORNIA 90640-2133
Distance
48.3 miles
Website: ww.mhdcca.org
Phone: 323-722-3955
Email Address: vmorales@mhdcca.org
Languages:
English, Spanish
Services:
Pre-purchase Counseling | Pre-purchase Homebuyer Education Workshops

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
10. THAI COMMUNITY DEVELOPMENT CORP.

6376 Yucca Street, Suite B
LOS ANGELES, CALIFORNIA 90028-5037
Distance
49.3 miles
Website: www.thaicdc.org
Phone: 323-468-2555
Email Address: chancee@thaicdc.org
Languages:
English, Other
Services:
Workshop

12 CFR 1024.20
HCNY.MSC 03/20/15
www.docmagic.com
INITIAL FEES WORKSHEET

Applicants:
Application No.:
ALAN I GOLDBERG
Property Address:
Prepared By:
Date Prepared: JUNE 17, 2015

Loan Program: VA FIXED RATE
The information provided below reflects estimates of the charges w hich you are likely to incur at the settlement of your loan. The fees listed are estimates - actual
charges may be more or less. Your transaction may not involve a fee for every item listed.
Interest Rate
228,809.00
ITEMS PAYABLE IN CONNECTION WITH LOAN
3.750
Total Loan Amount $
800.
801.
802.
803.
804.
805.
808.
809.
810.
811.
812.
Loan Origination Fee

Loan Discount
Appraisal Fee to: 1ST RATE HOME MORTGAGE, INC.
Credit Report to: FUNDING SUITE
Lender's Inspection Fee
Mortgage Broker Fee
Tax Related Service Fee
Processing Fee to: 1ST RATE HOME MORTGAGE, INC.
Underwriting Fee
Wire Transfer Fee
Flood Certification
Term/Due in:
Months
360
$
Borrower
Borrower
POC 450.00
Borrower
PFC
Borrower
PFC
Borrower
PFC
450.00
15.00
595.00
1100. TITLE CHARGES

1101.
1105.
1106.
1107.
1108.
to: NEXTITLE
Closing/Escrow Fee
Document Preparation Fee
to: NEXTITLE
Notary Fees
Attorney's Fees
Title Insurance
450.00
150.00
1200. GOVERNMENT RECORDING & TRANSFER CHARGES

1201.
1202.
1203.
Recording Fees to: LOS ANGELES COUNTY

City/County Tax/Stamps
State Tax/Stamps
Borrower
100.00
1300. ADDITIONAL SETTLEMENT CHARGES

1302.
Pest Inspection
Total From GFE 2010

Estimated Closing Costs
900.
ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE
901.
902.
903.
904.
Interest
Borrower
Mortgage Insurance Premium
Hazard Insurance Premium
to: Other
905.
VA Funding Fee

IFW.MSC 08/25/10
for
15
days @ $23.51
Borrower
Page 1 of 2
2,605.00
/day $
352.62
465.01
1000. RESERVES DEPOSITED

1001.
1002.
1003.
1004.
1005.
WITH LENDER:
Hazard Insurance Premium

Mortgage Ins. Premium Reserves
School Tax
Taxes and Assessment Reserves
Flood Insurance Reserves
4 months @ $
$
$
$
$
/month
/month
/month
/month
/month
months @ $
months @ $
/month
/month
months
months
months
months
@
@
@
@
66.43
Borrower
265.72
.00
Aggregate Adjustment
Estimated Prepaid Items/Reserves
TOTAL ESTIMATED SETTLEMENT CHARGES

TOTAL ESTIMATED FUNDS NEEDED TO CLOSE:
Purchase Price (+)
Alterations (+)
Land (+)
Refinance (incl. debts to be paid off) (+)
Estimated Prepaid Items/Reserves (+)
Estimated Closing Costs (+)
New 2nd Mtg Closing Costs (+)
PMI, MIP, Funding Fee (+)
Discount (Borrower paid) (+)
FHA EEM Improvements (+)
Total Estimated Funds
8,392.85
TOTAL ESTIMATED MONTHLY PAYMENT:

221,500.00 Principal & Interest
$ 1,059.65
Loan Amount (-)

New First Mortgage (-)
Subordinate Financing (-)
CC paid by Seller (-)
Other Financing (P & I)

Hazard Insurance
Real Estate Taxes
Mortgage Insurance
Homeowner Association Dues
8,392.85
2,605.00
$
$
66.43
0.00
Other
7,309.50
FHA Required Investments (-)
FHA MI Premium Refunds (-)
FHA 203k Rehabilitation Cost (-)
228,809.00
Total Monthly Payment
1,126.08
06/17/15 02:19:02 PM PDT

Applicant
ALAN I GOLDBERG
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date
Applicant
Date

IFW.MSC 08/25/10
Page 2 of 2
INITIAL FEES WORKSHEET ADDENDUM

PAID BY PFC*
POC**
AMOUNT
1300. ADDITIONAL SETTLEMENT CHARGES

1104. LENDER'S TITLE INSURANCE to: NEXTITLE
Borrower
801.7 ADMINISTRATIVE FEE to: 1ST RATE HOME MORT Borrower PFC
902. VA FUNDING FEE to: VA
Borrower PFC
300.00
995.00
7,309.50
06/17/15 02:19:08 PM PDT
Signature ALAN I GOLDBERG
Date
Signature
Date
Signature
Date
Signature
Date
Signature
Date
Signature
Date
INITIAL FEES WORKSHEET ADDENDUM

IFWA.MSC 08/10/10
STATE OF CALIFORNIA
DEPARTMENT OF REAL ESTATE
Providing Service, Protecting You
MORTGAGE LOAN DISCLOSURE STATEMENT (TRADITIONAL)

RE 882 (Rev. 10/10)
ALAN I GOLDBERG
BORROWER'S NAME(S)
REAL PROPERTY COLLATERAL: THE INTENDED SECURITY FOR THIS PROPOSED LOAN WILL BE A DEED OF TRUST OR MORTGAGE ON
(STREET ADDRESS OR LEGAL DESCRIPTION) 1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535
THIS MORTGAGE LOAN DISCLOSURE STATEMENT IS BEING PROVIDED BY THE FOLLOWING CALIFORNIA REAL ESTATE BROKER ACTING
AS A MORTGAGE BROKER 1ST RATE HOME MORTGAGE, INC.
INTENDED LENDER TO WHOM YOUR LOAN APPLICATION WILL BE DELIVERED (IF KNOWN)
Unknown

For any federally regulated Loans, HUD/RESPA laws require that a Good Faith Estimate (GFE) be provided. A RE 882 Mortgage Loan Disclosure Statement
(MLDS) is required by California law and must also be provided.
The information provided below reflects estimates of the charges you are likely to incur at the settlement of your loan. The fees, commissions, costs and
expenses listed are estimates; the actual charges may be more or less. Your transaction may not involve a charge for every item listed and any additional items
charged will be listed.
Item
Paid to Others
Paid to Broker
Items Payable in Connection with Loan

Mortgage Broker Commission/Fee
Lender's Loan Origination Fee
Lender's Loan Discount Fee
Appraisal Fee
Credit Report
Lender's Inspection Fee
Tax Service Fee
Processing Fee
Underwriting Fee
Wire Transfer Fee
$
$
15.00
595.00
Items Required by Lender to be Paid in Advance

Interest for
15
days at $
23.51
per day
352.62
465.01
Hazard Insurance Premiums
County Property Taxes
$
$
Mortgage Insurance Premiums
VA Funding Fee/FHA MIP/PMI
Other:
7,309.50
Reserves Deposited with Lender

Hazard Insurance:
months at $
66.43
/mo.
265.72
Co. Property Taxes:
months at $
/mo.
Mortgage Insurance:
months at $
/mo.
Other: Aggregate Adjustment

Title Charges
Settlement or Closing/Escrow Fee
Document Preparation Fee
Notary Fee
Title Insurance
Other:
LENDER'S TITLE INSURANCE
450.00
$
$
150.00
300.00
Government Recording and Transfer Charges

Recording Fee
City/County Tax/Stamps
Other:
LOS ANGELES COUNTY
100.00
Additional Settlement Charges

Pest Inspection
Credit Life, and/or Disability Insurance (See Note Below)*
Subtotals of Initial Fees, Commissions, Costs and Expenses
$
$
10,997.85
Total of Initial Fees, Commissions, Costs and Expenses
$
$
10,997.85
Compensation to Broker (Not Paid Out of Loan Proceeds)

Yield Spread Premium, Service Release Premium or Other Rebate Received from Lender
Yield Spread Premium, Service Release Premium or Other Rebate Credited to Borrower
Total Amount of Compensation Retained by Broker
* Note: The purchase of Credit Life and/or Disability Insurance is NOT required as a condition of making this proposed loan.

RE882.MSC 10/01/10
Page 1 of 3
ADDITIONAL REQUIRED CALIFORNIA DISCLOSURES

Proposed Loan Amount
Initial Commissions, Fees, Costs, and Expenses Summarized on Page 1
Down Payment or Loan Payoffs/Creditors (List):
SEE PAYOFF SCHEDULE
228,809.00
10,997.85
204,803.00
$
$
Subtotal of All Deductions
Estimated Cash at Closing
215,800.85
13,008.15
$
To You
That You Must Pay
GENERAL INFORMATION ABOUT LOAN

Proposed Monthly Loan Payments: $ 1,059.65
Principal & Interest (P&I)
If the loan is a variable interest rate loan, the payment will vary. See loan documents for details.
PROPOSED INTEREST RATE:
3.750 %
X FIXED RATE
INITIAL VARIABLE RATE
Total Number of Installments: 360

Loan Term:
Years 360
Months
BALLOON PAYMENT INFORMATION

IS THIS LOAN SUBJECT TO A BALLOON
PAYMENT?
Yes X No
DUE DATE OF FINAL BALLOON

(ESTIMATED MONTH/DAY/YEAR)
PAYMENT
AMOUNT OF BALLOON PAYMENT

$
IF YES, THE FOLLOWING PARAGRAPH APPLIES:

NOTICE TO BORROWER: IF YOU DO NOT HAVE THE FUNDS TO PAY THE BALLOON PAYMENT WHEN IT COMES DUE, YOU MAY HAVE
TO OBTAIN A NEW LOAN AGAINST YOUR PROPERTY TO MAKE THE BALLOON PAYMENT. IN THAT CASE, YOU MAY AGAIN HAVE TO
PAY COMMISSIONS, FEES, AND EXPENSES FOR THE ARRANGING OF THE NEW LOAN. IN ADDITION, IF YOU ARE UNABLE TO MAKE
THE MONTHLY PAYMENTS OR THE BALLOON PAYMENT, YOU MAY LOSE THE PROPERTY AND ALL OF YOUR EQUITY THROUGH
FORECLOSURE. KEEP THIS IN MIND IN DECIDING UPON THE AMOUNT AND TERMS OF THIS LOAN.
PREPAYMENT INFORMATION
PREPAYMENT PENALTY?
Yes X No
# OF YEARS THAT PREPAYMENT PENALTY IS IN EFFECT
MAXIMUM DOLLAR AMOUNT OF PENALTY
Yrs.
IS THERE A PREPAYMENT PENALTY FOR PAYING IN EXCESS OF 20% OF THE ORIGINAL OR UNPAID LOAN BALANCE?
Yes
No
If Yes, see loan documents for details
TAXES AND INSURANCE

IMPOUND ACCOUNT?
X Yes No
IMPOUND ACCOUNT WILL INCLUDE
APPROXIMATE AMOUNT
THAT WILL BE COLLECTED
MONTHLY
$ 66.43
COUNTY
PROPERTY TAXES
Yes X No
IF NO, PLAN FOR THESE

PAYMENTS ACCORDINGLY
BORROWER MUST PLAN FOR PAYMENTS OF THE FOLLOWING ITEMS

COUNTY
PROPERTY TAXES
Yes
No
MORTGAGE
INSURANCE
Yes X No
MORTGAGE
INSURANCE
Yes
No
HAZARD
INSURANCE
No
X Yes
HAZARD
INSURANCE
Yes
No
FLOOD
INSURANCE
Yes X No
FLOOD
INSURANCE
Yes
No
OTHER:
Yes
No
OTHER:
Yes
No
Note: In a purchase transaction, county property taxes are calculated based on the sales price of the property and may require the payment of an additional
(supplemental) tax bill issued by the county tax authority. The payment of county property taxes (including supplemental bills) may be paid by your lender
if an impound/escrow account has been established.
If an impound/escrow account has not been established, the payment of all tax bills including any and all supplemental tax bills
of the borrower(s).
will be the responsibility
OTHER LIENS
LIENS CURRENTLY ON THIS PROPERTY FOR WHICH THE BORROWER IS OBLIGATED
Lienholder's Name
Amount Owing
Priority
1st
LIST LIENS THAT WILL REMAIN OR ARE ANTICIPATED TO REMAIN ON THIS PROPERTY AFTER THE PROPOSED LOAN FOR WHICH YOU ARE
APPLYING IS MADE OR ARRANGED (INCLUDING THE PROPOSED LOAN FOR WHICH YOU ARE APPLYING):
Lienholder's Name
Amount Owing
228,809.00
Priority
1st
NOTICE TO BORROWER: BE SURE THAT YOU STATE THE AMOUNT OF ALL LIENS AS ACCURATELY AS POSSIBLE. IF YOU CONTRACT
WITH THE BROKER TO ARRANGE THIS LOAN, BUT IT CANNOT BE ARRANGED BECAUSE YOU DID NOT STATE THESE LIENS
CORRECTLY, YOU MAY BE LIABLE TO PAY COMMISSIONS, COSTS, FEES, AND EXPENSES EVEN THOUGH YOU DO NOT OBTAIN THE
LOAN.

RE882.MSC 10/01/10
Page 2 of 3
ARTICLE 7 COMPLIANCE
If this proposed loan is secured by a first deed of trust in a principal amount of less than $30,000 or secured by a junior lien in a principal amount of less than
$20,000, the undersigned broker certifies that the loan will be made in compliance with Article 7 of Chapter 3 of the Real Estate Law.
WILL THIS LOAN BE MADE WHOLLY OR IN PART FROM BROKER CONTROLLED FUNDS AS DEFINED IN SECTION 10241(J) OF THE BUSINESS
AND PROFESSIONS CODE?
May
Will
Will Not
Note: If the broker indicates in the above statement that the loan"'may" be made out of broker-controlled funds, the broker must inform the borrower prior to the
close of escrow if the funds to be received by the borrower are in fact broker-controlled funds.
STATED INCOME
IS THIS LOAN BASED ON LIMITED OR NO DOCUMENTATION OF YOUR INCOME AND/OR ASSETS?
Yes
x No
If Yes, be aware that this loan may have a higher interest rate, or more points or fees than other products requiring documentation.
NOTICE TO BORROWER: THIS IS NOT A LOAN COMMITMENT

Do not sign this statement until you have read and understood all of the information in it. All parts of this form must be completed before you sign it.
Borrower hereby acknowledges the receipt of a copy of this statement.
NAME OF BROKER
LICENSE ID NUMBER
1ST RATE HOME MORTGAGE, 603 G892

INC.
BROKER'S REPRESENTATIVE
NMLS ID NUMBER
BROKER'S ADDRESS
LICENSE ID NUMBER

NMLS ID NUMBER
173439
37411
401 W. BASELINE RD SUITE 102, TEMPE, ARIZONA 85283
BROKER'S SIGNATURE
DATE
OR SIGNATURE OF REPRESENTATIVE
06/17/15 01:54:44 PM PDT
DATE
BORROWER'S SIGNATURE
06/17/15 02:19:45 PM PDT
DATE
BORROWER'S SIGNATURE
DATE
Department of Real Estate license information telephone number: 877-373-4542, or check license status at www.dre.ca.gov
NMLS - http://mortgage.nationwidelicensingsystem.org/about/pages/nmlsconsumeraccess.aspx
The Real Estate Broker negotiating the loan shall retain on file for a period of three years a true and correct copy of this disclosure signed and dated by
the borrower(s).
THE RE 855 MORTGAGE LOAN DISCLOSURE STATEMENT , NON-TRADITIONAL MORTGAGE MUST BE USED FOR NON-TRADITIONAL
MORTGAGE LOANS OF RESIDENTIAL PROPERTY (1-4 UNITS).
Non-Traditional Mortgage Loans are loan products that allow the borrower to defer payments of principal or interest. If any of the payments are not full
principal and interest payments, then it is considered a Non-Traditional Mortgage Loan.

RE882.MSC 10/01/10
Page 3 of 3
ADDENDUM TO
MORTGAGE LOAN DISCLOSURE STATEMENT
ITEM
ADMINISTRATIVE FEE
ADDENDUM TO MORTGAGE LOAN DISCLOSURE STATEMENT

ATRE882.MSC 03/16/11
PAID TO OTHERS PAID TO BROKER

995.00
PAYOFF SCHEDULE
Loan No.: 53502375
The following accounts must be paid off through escrow as a condition of the attached loan approval:
PAYOFF to NEW AMRCN FU

PAYOFF to BK OF AMER
TOTAL:
06/17/15 02:20:20 PM PDT
_____________________
ALAN I GOLDBERG
PAYOFF SCHEDULE
07/23/07
171,895.00
32,908.00
204,803.00
RATE LOCK AGREEMENT

I/We have chosen TO LOCK the interest rate and terms of our loan. The detailed information, terms and conditions
for this lock are detailed below:
Borrower(s) ALAN I GOLDBERG
1217 E AVENUE J5
LANCASTER, CA
93535
Property Address
City, State
Zip
TERMS:
Loan Amount: $228,809.00
Loan Program: VA FIXED RATE
Interest Rate: 3.750%
Lock-In Fee: NONE
Lock Days:
(30-yr fixed, 5/1 ARM etc.)
Lock Date: JUNE 17, 2015
Lock Expiration Date: AUGUST 3, 2015
45
*******LOCK EXTENSION DETAILS BELOW******

Lock Extension Date:
Days Extended:
Extension Expiration Date:
Cost of Extension:
ADJUSTABLE RATE MORTGAGE TERMS (skip section if not applicable)

Initial Rate Fixed for (months):
Date of First Rate Adjustment:
Max Possible Interest Rate Over Life of Loan:

Current Index Value:
Index Name:
Margin:
06/17/15 02:20:31 PM PDT
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
Borrower
Date
173439
MLO Name (Print)

RATE LOCK AGREEMENT
RLA.CST 03/14/14
NMLS#
06/17/15 01:54:52 PM PDT
MLO Signature
Date
www.docmagic.com

DEPARTMENT OF VETERANS AFFAIRS
RIGHTS OF VA LOAN BORROWERS

(IMPORTANT NOTICE)
You have certain basic rights as a VA loan borrower that you should know about. These include:
Assumable Loan. For all VA Loans committed on or after March 1, 1988, you may sell your home to someone who
agrees to assume your loan if the loan holder or VA approves the creditworthiness of the purchaser(s). If the
purchaser(s) is creditworthy and assumes the liability to the lender and VA to the same extent that you did when you
obtained the loan, you will be released from liability on the loan. To obtain a release from liability, you should check
with the company to whom you make your payments before you sell your home. The loan may become immediately
due and payable if you do not obtain approval of the loan assumption before selling your home. Keep in mind that
you will not be able to get another VA loan with the entitlement that you used for this loan until the property is sold
and the loan is paid in full unless the purchaser is a veteran and can qualify for substitution of entitlement. The local
VA office can provide you with details concerning substitution of entitlement.
No Prepayment Penalty. If you pay off your loan early, your lender cannot require that you pay a prepayment
penalty.
No Late Charge Unless Payment Is More Than 15 Days Overdue. Also, late charge may not exceed 4 percent of
payment amount.
These rights apply to you and, if you sell your home, to any buyer who assumes your loan. Some mortgage notes
used by lenders may have provisions which seem to take away these rights. However, the lender cannot enforce these
provisions for a VA loan.
Your loan is guaranteed or insured under Title 38, United States Code. The law and regulations that are in effect on
the date your loan is closed govern the rights, duties, and liabilities of you and the lender. Any provision of any
instrument executed in connection with your loan which is inconsistent with the law or the regulations is invalid.
If your loan has been funded by a State or local housing program, these basic rights may not apply to you. If you are
a participant in this type of program you should receive a notice stating the restrictions that apply to your loan.
If you believe your rights as a VA loan borrower are being violated by the lender, or if you have any questions about
your loan which the lender cannot answer to your satisfaction, please contact the local VA office for assistance.
Borrower(s):
06/17/15 02:20:39 PM PDT
ALAN I GOLDBERG
VA FORM 26-8978
RVLB.MSC 12/01/98
www.docmagic.com

Department of Veterans Affairs
1.
DURING THE PAST FIVE YEARS, HAVE YOU DIRECTLY OR INDIRECTLY BEEN OBLIGATED ON ANY LOAN WHICH RESULTED
IN FORECLOSURE, TRANSFER OF TITLE IN LIEU OF FORECLOSURE, OR JUDGMENT? (This would include home mortgage loans, SBA
loans, home improvement loans, educational loans, or manufactured home loans, any mortgage, financial obligation, bond, or loan guarantee)
YES
2.
DEBT QUESTIONNAIRE
NO
(If "Yes," provide details, including date, name and address of lender, FHA or VA case number, if any, and
for the action. Attach a separate sheet, if needed)
reasons
ARE YOU PRESENTLY DELINQUENT OR IN DEFAULT ON ANY DEBT TO THE FEDERAL GOVERNMENT (e.g., Public Health Service,
U.S. Guaranteed Student Loan, GI Bill Education Benefits, etc.)?
YES
NO
(If "Yes," provide details, including date, name and address of lender, FHA or VA case number, if any, and reasons
for the action. Attach a separate sheet, if needed)
I CERTIFY THAT the statements herein are true and correct to the best of my knowledge and belief.
3. SIGNATURE OF VETERAN
4. DATE
06/17/15 02:20:49 PM PDT

5. SIGNATURE OF CO-BORROWER
VA FORM
OCT 2004
26-0551
6. DATE
EXISTING STOCKS OF VA FORM 26-0551, APR 1989,

WILL BE USED.
FEDERAL COLLECTION POLICY NOTICE

The Federal Government is authorized by law to take any or all of the following actions in the event your VA-guaranteed or
VA-financed loan payments become delinquent or you default on your VA-guaranteed or VA-financed loan:
Your name and account information may be reported to a credit bureau.
Additional interest and penalty charges may be assessed for the period of time that payment is not made.
Charges to cover additional administrative costs incurred by the Government to service your account may be
assessed.
Amounts owed to you under other Federal programs may be offset.
Your account may be referred to a private collection agency to collect the amount due.
Your account may be referred to the Department of Justice for litigation in the courts.
If you are a current or retired Federal employee, your salary or civil service retirement benefits may be offset.
Your debt may be referred to the Internal Revenue Service for offset against any amount owed to you as an income
tax refund.
Any written-off debt may be reported to the Internal Revenue Service as taxable income.
All of these actions can and will be used to recover any debts owed the Department of Veterans Affairs when it is determined
to be in the best interest of the Government to do so.
CERTIFICATION
I have read and I understand the actions the Federal Government can take in the event that I fail to meet my scheduled payments
in accordance with the terms and conditions of my agreement to purchase property with a VA-guaranteed or VA-financed loan.
06/17/15 02:21:05 PM PDT
Signed
ALAN I GOLDBERG
Date
Signed
Date
Signed
Date
Signed
Date
Signed
Date
Signed
Date
SUPERSEDES VA FORM 26-0503, MAR 1987,

WHICH WILL NOT BE USED.
FEDERAL COLLECTION POLICY NOTICE

VA FORM 26-0503
FDCOL.LSR 12/30/11
VA QUESTIONNAIRE
VETERAN'S NEAREST LIVING RELATIVE
Name of Relative:
Pamela Weinstein
Relation to Veteran:
Phone # of Relative:
(661)902-8989
Niece
Address (Including City, State and ZIP):
44602 Fern Ave Lanster, CA, Del

Sur, CA 93534
Complete Section A and B. Section A determines if the VA Form 26-8937 is required. Section B indicates if the veteran
is a member of the Reserves or National Guard Unit and veteran's income is subject to change due to activation.
SECTION A
No
1.
x
x
Is the veteran currently receiving VA disability benefits?
2. Veteran is receiving retirement pay in lieu of VA disability benefits that he/she is entitled
to receive?
3. Has the veteran indicated that he/she has received VA disability benefits in the past?
4. Is the applicant a surviving spouse of a veteran who died on active duty or as a result of
a service-connected disability?
5. Has the veteran filed a claimfor VA disability benefits prior to discharge from active duty
service?
SECTION B
1.
No
Is the veteran a member of the Reserves or National Guard Unit?
2. If yes, is the veteran's income subject to change due to activation?

If yes, lenders must determine what the applicant's income may be if activated.
Carefully evaluate the impact the reduction or increase may have on the borrower's ability
to repay the loan.
Yes
Yes
x
x
06/17/15 02:21:23 PM PDT

Borrower
Date
Borrower
Date
ALAN I GOLDBERG
Print
Borrower
Print
Date
Print
Borrower
VA QUESTIONNAIRE
VAQ.CST 05/12/15
Date
Print
Date
Print
06/17/15 01:55:00 PM PDT

Loan Officer Signature
Borrower
Borrower
Date
Print
Date
www.docmagic.com
OMB Approved No. 2900-0406

Respondent Burden: 5 minutes
VERIFICATION OF VA BENEFITS
Department of Veterans Affairs
PRIVACY ACT NOTICE: The VA will not disclose information collected on this form to any source other than what has been authorized under the Privacy Act of
1974 or Title 5, Code of Federal Regulations 1.576 for routine uses (i.e., information concerning a veteran's indebtedness to the United States by virtue of a person's
participation in a benefits program administered by VA may be disclosed to any third party, except consumer reporting agencies) as identified in the VA system of
records, 55VA26, Loan Guaranty Home, Condominium and Manufactured Home Loan Applicant Records, Specially Adapted Housing Applicant Records and Vendee
Loan Applicant Records - VA, and published in the Federal Register. Your obligation to respond is required to obtain or retain benefits. Giving us your SSN account
information is voluntary. Refusal to provide your SSN by itself will not result in the denial of benefits. The VA will not deny an individual benefits for refusing to
provide his or her SSN unless the disclosure of the SSN is required by a Federal Statute of law in effect prior to January 1, 1975, and still in effect.
INSTRUCTIONS TO LENDER
TO: NAME AND ADDRESS OF LENDER (Complete mailing address including ZIP Code)
Complete this form ONLY if the veteran/applicant:

is receiving VA disability payments; or
has received VA disability payments; or
would receive VA disability payments but
for receipt of retired pay; or
is surviving spouse of a veteran and in
receipt of DIC payments
has filed a claim for VA disability benefits prior
to discharge from active duty service
Complete Items 1 through 10. Send the completed form to the
appropriate VA Regional Loan Center where it will be processed
and returned to the Lender. The completed form must be retained
as part of the lender's loan origination package.

1. NAME OF VETERAN (First, middle, last)
ALAN I GOLDBERG
2. CURRENT ADDRESS OF VETERAN
1217 E AVENUE J5
3. DATE OF BIRTH
4. VA CLAIM FOLDER NUMBER (C-File No., if known)
N/A
5. SOCIAL SECURITY NUMBER
6. SERVICE NUMBER (If different from Social Security Number)
AF12495869
020-30-3380
7. I HEREBY CERTIFY THAT I

information listed below.
DO
DO NOT have a VA benefit-related indebtedness to my knowledge. I authorize VA to furnish the
8. I HEREBY CERTIFY THAT I

(I am presently still on active duty.)
HAVE
HAVE NOT filed a claim for VA disability benefits prior to discharge from active duty service
9. SIGNATURE OF VETERAN
10. DATE SIGNED
06/17/15 02:22:22 PM PDT
FOR VA USE ONLY

The above named veteran does not have a VA benefit-related indebtedness
The veteran has the following VA benefit-related indebtedness
VA BENEFIT-RELATED INDEBTEDNESS (If any)
TYPE OF DEBT(S)
AMOUNT OF DEBT(S)
TERM OF REPAYMENT PLAN (If any)

Veteran is exempt from funding fee due to receipt of service-connected disability compensation of $
the funding fee receipt must be remitted to VA with VA Form 26-1820, Report and Certification of Loan Disbursement)
monthly. (Unless checked,
Veteran is exempt from funding fee due to entitlement to VA compensation benefits upon discharge from service.
Veteran is not exempt from funding fee due to receipt of nonservice-connected pension of $
WILL REQUIRE PRIOR APPROVAL PROCESSING BY VA.
monthly. LOAN APPLICATION
Veteran has been rated incompetent by VA. LOAN APPLICATION WILL REQUIRE PRIOR APPROVAL PROCESSING BY VA.
Insufficient information. VA cannot identify the veteran with the information given. Please furnish more complete information, or a copy of a DD Form 214 or
discharge papers. If on active duty, furnish a statement of service written on official government letterhead, signed by the adjutant, personnel officer, or
commanding officer. The statement should include name, birth date, service number, entry date and time lost.
SIGNATURE OF AUTHORIZED AGENT
DATE SIGNED
RESPONDENT BURDEN: We need this information to determine, establish, or verify your eligibility for VA Loan Guaranty Benefits and to determine
if you are exempt from paying the VA Funding Fee. Title 38, United States Code, allows us to ask for this information. We estimate that you will
need an average of 5 minutes to review the instructions, find the information, and complete this form. VA cannot conduct or sponsor a collection
of information unless a valid OMB control number is displayed. You are not required to respond to a collection of information if this number is not
displayed. Valid OMB control numbers can be located on the OMB Internet Page at http://www.reginfo.gov/public/do/PRAMain. If desired, you
can call 1-800-827-1000 to get information on where to send comments or suggestions about this form.
VA FORM
JAN 2013
26-8937
EXISTING STOCKS OF VA FORM 26-8937, DEC 2012,

WILL BE USED.
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ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791

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ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791

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Loan Number: 53502375

ADDENDUM TO LOAN APPLICATION

06/17/15 01:55:00 PM PDT

Borrower ALAN I GOLDBERG

ADDENDUM TO LOAN APPLICATION

Loan Number: 53502375

CALIFORNIA DOMESTIC PARTNERSHIP ADDENDUM TO

Name of Domestic Partner

Borrower ALAN I GOLDBERG

CA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION

Uniform Residential Loan Application

I. TYPE OF MORTGAGE AND TERMS OF LOAN

Lender Case Number

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535

Legal Description of Subject Property (attach description if necessary)

Property will be:

Complete this line if construction or construction-permanent loan.

Amount Existing Liens

(a) Present Value of Lot

(b) Cost of Improvements

Complete this line if this is a refinance loan.

Amount Existing Liens

Cash Out Debt

Title will be held in what Name(s)

Manner in which Title will be held

Estate will be held in:

Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)

III. BORROWER INFORMATION

Co-Borrower's Name (include Jr. or Sr. if applicable)

Yrs. School Social Security Number

020-30-3380 (661)350-1916 07/31/1939 12

Mailing Address, if different from Present Address

Fannie Mae Form 1003 6/09

Home Phone (incl. area code)

Unmarried (include single,

Dependents (not listed by Borrower)

Present Address (street, city, state, ZIP)

Mailing Address, if different from Present Address

Rent ______ No. Yrs.

IV. EMPLOYMENT INFORMATION

Rent ______ No. Yrs.

Name & Address of Employer

Self Employed Yrs. on this job

Yrs. employed in this

Yrs. employed in this

Business Phone (incl. area code)

Business Phone (incl. area code)

Self Employed Dates (from - to)

Name & Address of Employer

Name & Address of Employer

Business Phone (incl. area code)

Self Employed Dates (from - to)

Self Employed Dates (from - to)

Business Phone (incl. area code)

Name & Address of Employer

Self Employed Dates (from - to)

Business Phone (incl. area code)

Business Phone (incl. area code)

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

First Mortgage (P&I)

Other Financing (P&I)

Real Estate Taxes