alan-i goldberg initial disclosure 2015 06-17-5581e6768e791

8/17/2019 ALAN-I GOLDBERG Initial Disclosure 2015 06-17-5581e6768e791

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ADDENDUM TO LOAN APPLICATION

NCA.MSC 06/17/08

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.

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Loan Number: 53502375

ALAN I GOLDBERG

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


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CA ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATIONCA Family Code §§ 297 et seq.CADPA.MSC 09/29/14

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 domesticpartnership.

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.

CALIFORNIA DOMESTIC PARTNERSHIP ADDENDUM TO

UNIFORM RESIDENTIAL LOAN APPLICATION

Date:

Provided by:

Borrower:

Property Address:

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.

I am not involved in a domestic partnership in California or in any other jurisdiction recognizing a domesticpartnership or civil union.

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 providea 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

Borrower Date

JUNE 17, 2015

1ST RATE HOME MORTGAGE, INC

ALAN I GOLDBERG

1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535


ALAN I GOLDBERG

x

x

06/17/15 01:56:34 PM PDT


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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page 1

Uniform Residential Loan ApplicationThis application i s designed to be completed by the applicant(s) with the Lender's assistance. Applicants should c omplete this f orm 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 VA Convent ional Other (explain):

Applied for: FHA USDA/Rural

Housing Service

Agency Case Number Lender Case Number

Amount

$

Interest Rate

%

No. of Months Amortization Type: Fixed Rate Other (explain):

GPM ARM (type):

Subject Property Address (street, city, state & ZIP) No. of Units

Legal Description of Subject Property (attach description if necessary) Year Built

Purpose of Loan Purchase Construction Other (explain):

Refinance Construction-Permanent

Property will be:

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)

$

Complete this line if this is a refinance loan.

Year

Acquired

Original Cost

$

Amount Existing Liens

$

Purpose of Ref inance Describe Improvements 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:

Fee Simple

Leasehold (show

expiration date)

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

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

Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. Schoo

Married Unmarried (include single,

Separated divorced, widowed)

Dependents (not listed by Co-Borrower) Married Unmarried (include single,

Separated divorced, widowed)

Dependents (not listed by Borrower)

no. ages no. ages

Present Address (street, city, state, ZIP) Own Rent ______ No. Yrs. Present Address (street, city, state, ZIP) Own Rent ______ No. Yrs.

Mailing Address, if dif ferent f rom Present Address Mailing Address, if dif ferent f rom Present Address

I. TYPE OF MORTGAGE AND TERMS OF LOAN

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Borrower III. BORROWER INFORMATION Co-Borrower

X

x

53502375

228,809.00 3.750 360x

1217 E AVENUE J5, LANCASTER, CALIFORNIA 93535 1

1981

X x

165,000.00 171,895.00Cash Out DebtConsolidation

Alan I Goldberg To be determined inescrow X

2014

ALAN I GOLDBERG

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

X

X 4

1217 E Avenue J5, Lancaster, CA 93535

0

Borrower: ______


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If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs. Former Address (street, city, state, ZIP) Own Rent ______ No. Yrs.

Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employ er Self Employed Yrs. on this job

Yrs. employed in thisline of work/profession

Yrs. employed in thisline of work/profession

Position/ Title/ Ty pe of Business Business Phone (incl. area code) Position/ Title/ Ty pe of Business Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Name & Address of Employer Self Employed Dates (f rom - to) Name & Address of Employ er Self Employed Dates (from - to)

Monthly Income

$

Monthly Income

$

Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)

Name & Address of Employer Self Employed Dates (f rom - to) Name & Address of Employ er Self Employed Dates (from - to)

Monthly Income

$

Monthly Income

$

Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)

Gross

Monthly Income Borrower Co-Borrower Total

Combined Monthly

Housing Expense Present Proposed

Base Empl. Income* $ $ $ Rent $

Overtime 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

the notice in "describe other

income," below)

Homeowner Assn. Dues

Other:

Total $ $ $ Total $ $

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the

Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

B/C Monthly Amount

$

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

2 yrsretired

2

retired

0.00

3,865.00

3,865.00

3,865.00

3,865.00

818.07

66.43

145.07

1,029.57

1,059.65

66.43

145.07

1,271.15

B PENSION 3,704.00

B SOCIAL SECURITY 161.00

Borrower: ______


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This Statement and any appli cab le support ing schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are

suffi ciently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required.

If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse

or other person also.

Completed Jointly Not Jointly

ASSETS

Description

Cash orMarket Value

Liabilities and Pledged Assets. List the creditor's name, address and account number forall outstanding debts, including automobile loans, revolving charge accounts, real estateloans, 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 oupon refinancing of the subject property.Cash deposi t toward purchase held by : $

List checking and savings accounts below LIABILITIES

Monthly Payment &

Months Left to Pay

Unpaid Balance

Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $

Acct. no. $ Acct. no.







VI. ASSETS AND LIABILITIES

X

NEW AMRCN FU

9659124102768

1,030.00* 166

171,895.00

SYNCB/SAMS CLUB DCPO BOX 981400, ELPASO, TX 79998

25.00R

726.00

521333109770

CHRYSLER CAPITAL91 WALL STREET POB666, MADISON, CT06443

30000132711181000

418.0022

9,607.00

BK OF AMER400 CHRISTIANA RD, ,

599.00* R

32,908.00

4264511020059548

Borrower: ______


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Stocks & Bonds (Companyname/number & description)

$ Name and address of Company $ Payment/Months $

Acct. no.

Life Insurance net cash value

Face amount: $

$ Name and address of Company $ Payment/Months $

Subtotal Liquid Assets $

Real estate owned (enter market value

from schedule of real estate owned)

$

V ested interest in retirement f und $

Net worth of business(es) owned

(attach financial statement)

$

Acct. no.

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 $

Total Assets a. $ $ Total Liabilities b. $

Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)

Property Address (enter S if sold, PS if pending

sale or R if rental being held for income)

Type of

Property

Present

Market Value

Amount of

Mortgages & Liens

Gross

Rental Income

Mortgage

Payments

Insurance,

Maintenance,Taxes & Misc.

Net Rental

Income

$ $ $ $ $ $

Totals $ $ $ $ $ $

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

Alternate Name Creditor Name Account Number

VI. ASSETS AND LIABILITIES (cont' d)

Net Worth

(a minus b)

245,000.00

245,000.00

BK OF AMER 137.00R

8,446.00

4888936028433930

AMEXP.O. BOX 297871, ,

2.30R

115.00

-3499921673111803

753.30

214,339.00 30,661.00

1217 E Avenue J5,Lancaster, CA 93535

SFR245,000.00 171,895.00 211.50 0.0

245,000.00 171,895.00 211.50 0.00 0.00

Borrower: ______


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a. Purchase price$

If you answer "Yes" to any questions a through i,please use continuation sheet for explanation.

Borrower Co-Borrower

b. Alterations, improvements, repairs Yes No Yes No

c. Land (if acquired separately) a. Are there any outstanding judgments against you?

b. Have you been declared bankrupt within the past 7 years?

c. Have you had property foreclosed upon or given title

or deed in lieu thereof in the last 7 years?

d. Are you a party to a lawsuit?

d. Ref inance (incl. debts to be paid off)

e. Estimated prepaid items

f. Estimated closing costs e. Have you directly or indirectly been obligated on any

loan which resulted in foreclosure, transfer of titlein lieu of foreclosure, or judgment?

(This would include such loans as home mortgage loans, SBA loans,home improvement loans, educational loans, manufactured (mobile) homeloans, any mortgage, financial obligation, bond, or loan guarante e. If" Yes," provide details, including date, name and address of Lender, FHAor VA case number, if any, and reasons for the action.)

g. PMI, MIP, Funding Fee

h. Discount (if Borrower will pay)

i. Total costs (add items a through h)

j. Subordinate fi nancing f. Are you presently delinquent or in default on any Federal debt orany other loan, mortgage, f inancial obligati on, bond, or loanguarantee?

k. Borrower's closing costs paid

by Seller g. Are you obligated to pay alimony, child support, or separatemaintenance?

l . Other Credits (explain)

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?

m. Loan amount (exclude PMI, MIP,

Funding Fee f inanced) k. Are you a permanent resident alien? n. PMI, MIP, Funding Fee financed

l. Do you intend to occupy the property as your primary residence?

If " Yes," complete question m below.

o. Loan amount (add m & n) m. Have you had an ownership interest in a property in the last threeyears?

p. Cash from/to Borrower

(subtract j, k, l & o from I)

(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)?

Each of the undersigned specific ally represents to Lender and to Lender' s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successorsand 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 andthat any intentional or negligent m isrepresentation of this information c ontained in this application may result in civil liabili ty, including monetary damages, to any personwho 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 lim ited to, f ineor 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") wilbe 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 thisapplicati 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 isapproved; (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 f acts that I have represented herein should changeprior 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 toany 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 applicablefederal and/or state laws (excluding audio and video recordings), or my facsimi le transmission of this application containing a facsimile of my signature, shall be aseffective, 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 o f t he Loan, its servicers, succ essors and assigns, may verify or reverify anyinformation contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including asource named in this application or a consumer reporting agency.

Borrower's Signature

X

Date Co-Borrower' s Signature

X

Date

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

IX. ACKNOWLEDGMENT AND AGREEMENT

0.00

204,803.00

1,083.35

2,605.007,309.50

215,800.85

0.00

221,500.00

7,309.00

228,809.00

-13,008.15

XXX

X

X

X

X

X

X

X

X

X

X

PR

S

06/17/15 01:59:52 PM PDT


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The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equa

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 ethnic ity, 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 f urnish 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.)

Alaska Native

Other Pacific Islander

Black or African American

Alaska Native

Other Pacif ic Islander

To be Completed by Loan Originator:

This information was provided:

Loan Originator' s Signature

X

Date

Loan Originator's Name (print or type) Loan Originator Identif ier Loan Originator's Phone Number (including area code)

Loan Origination Company 's Name Loan Origination Company Identif ier Loan Origination Company 's Address

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information

Ethnicity: Hispanic or Latino Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino

Race: American Indian or Asian Black or Af rican American

Native Hawaiian or White

Race: American Indian or Asian

Native Hawaiian or W hite

Sex: Female Male Sex: Female Male

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

X

X

X

X

DAVID FERGUSON REESE

06/17/15

(480)776-2555

401 W. BASELINE RD. #102,TEMPE, ARIZONA 85283

173439

1ST RATE HOME MORTGAGE,INC.

37411

Borrower: ______

06/17/15 01:53:42 PM PDT


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Fannie Mae Form 1003 6/09Freddie Mac Form 65 6/09 Page

Use this continuation sheet if you need

more space to complete the Residential

Loan Application. Mark B for Borrower

or C for Co-Borrower

Borrower: Agency Case Number:

Co-Borrower: Lender Case Number:

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

Date Co-Borrower' s Signature

X

Date

CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION

53502375

Additional Joint Liabilities

Name/Address Account #/Type Monthly Payment Months Left Unpaid Balance

_______________________________ ________________ _______________ ___________ ______________WYNDHAM VO 411501869 $171.00 68 $11,767.00

INSTALLMENT

ALAN I GOLDBERG

7

Under California Civil Code 1812.30(j) "Credit applications for theobtainment of money, goods, labor, or services shall clearly specify thatthe applicant, if married, may apply for a separate account."

06/17/15 02:00:50 PM PDT


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OOD FAITH ESTIMATE (HUD-GFE)FE.LTR 10/31/11 Page 1 of 3

OMB Approval No. 2502-

GOOD FAITH ESTIMATE (GFE)

Name of Originator Borrower

Originator Address Property Address

Originator Phone Number

Originator Email Date of GFE

URPOSE This GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. For more information, see HSpecial Information Booklet on settleme nt charges, your Truth-in-Lending Disclosures, and other consumer information at www.hud.gov/re

If you decide you would like to proceed with this loan, contact us.

HOPPING FOROUR 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 ch

page 3 to compare all the offers you receive.

MPORTANTDATES

1. The interest rate for this GFE is available through . After this time, the i nt erestsome of your loan Origination Charges, and the monthly payment shown below can change until you lock your interest rate.

2. This estimate for all other settlement charges is available through .

3. After you lock your interest rate, you must go to settlement within days (your rate lock period) to receive the locked interest

4. You must lock the interest rate at least days before settlement.

UMMARY OFOUR LOAN

Your initial loan amount is $

Your loan term is years

Your initial interest rate is %

Your initial monthly amount owed for principal, interest, and any mortgage

insurance is $ per month

Yes, it can rise to a maximum of

The f irst change will be in

Yes, it can rise to a maximum of $

principal, interest, and any mortgage insurance rise?

Yes, the first increase can be in

and the monthly amount o

can rise to $ . The maxim

can ever rise to is $ .

Ye s , y o u r ma x imu m p re p a y men t p e n a l

$ .

Y e s , y o u h a v e a b a l l o o n p a y m e n t

$ due in y

SCROWACCOUNT

NFORMATION

Some lenders require an escrow account to hold funds for paying property taxes or other property-related charges in addition to your mon

amount owed of $ .

Do we require you to have an escrow account for your loan?

UMMARYOF YOUR

ETTLEMENT

CHARGES

Your Adjusted Origination Charges (See page 2.) $

B Your Charges for All Other Settlement Services (See page 2.) $

+ B $

Can your interest rate rise? No

Ev en if you make pay ments on time, can y our loan balanc e rise? No

Even if you make payments on time, can your monthly amount owed for No

Does your loan have a prepayment penalty? No

Does your loan have a balloon payment? No

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.

A

A Total Estimated Settlement Charges

DAVID FERGUSON REESE (NMLS # 173439)

1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)

401 W. BASELINE RD. #102

TEMPE, ARIZONA 85283

(480)776-2555

[email protected]

ALAN I GOLDBERG

1217 E AVENUE J5

LANCASTER, CALIFORNIA 93535

JUNE 17, 2015

AUGUST 3, 2015

AUGUST 3, 2015

NA

45

228,809.00

30

3.750

1,059.65

X

X

X

X

X

1,059.65

X

1,590

9,857

11,447


11/77


NDERSTANDINGOUR ESTIMATEDETTLEMENT

CHARGES1. Our origination charge

This charge is for getting this loan for you.

2. Your credit or charge (points) for the specific interest rate chosen

% is included in "Our originationcharge" . (See item 1 above.)

for this interest rate of %.This credit reduces your settlement charges.

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 dif ferent

interest rate for this loan.

Your Adjusted Origination Charges $

Some of t heseharges canhange atettlement.

See the topf page 3 for

more information.

3. Required services that we select

These charges are for services we require to complete your settlement. We will choose the providers of

these services.

Service Charge Service Charge

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 ti tle 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 sett lement. We can identify providers of

these services or you can shop for them yourself. Our estimates for providing these services are below.

Service Charge Service Charge

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 acc ount to pay futur e recurri ng charges on your property and includes

other

.

10. Daily interest charges

This charge is for the daily interest on your loan from the day of your settlement until the f irst day of the

next month or the first day of your normal mortgage payment cyc le. This amount is

$ per day for days (if your settlement is ).

11. Homeowner's insurance

This charge is for the insurance you must buy for the property to protect from a loss, such as fire.Policy Charge

B Your Charges for All Other Settlement Services $

+ B $

Your Adjusted Origination Charges

The credit or charge for the interest rate of

You receive a credit of $

You pay a charge of $

A

Your Charges for All Other Settlement Services

all property taxes, all insurance, and

A Total Estimated Settlement Charges

1,590

X 3.750

0

1,590

APPRAISAL FEE 450.00

CREDIT REPORT 15.00

VA FUNDING FEE 7,309.50

NOT APPLICA

900

7,774

100

0

0

X X

265

352

23.5078 15 JULY 24, 2015

HAZARD INS. PREMIUM 465.01

465

9,857

11,447


12/77


NSTRUCTIONS

NDERSTANDINGWHICH CHARGESCAN CHANGE AT

ETTLEMENT

This GFE estimates your settlement charges. At your settlement, you will receive a HUD-1, a form that lists your actual costs. Compare

charges on the HUD-1 with the charges on this GFE. Charges can change if you select y our own provider and do not use the companies w

identify. (See below for details.)

Required services that you can shop f

you do not use companies we identify

Titl e services and lender's tit le insur(if you do not use companies we iden

Owner's title insurance (if you do not

companies we identify)

Initial deposit for your escrow accoun

Daily interest charges

Homeowner's insurance

SING THERADEOFF TABLE

In this GFE, we of fered you this loan with a particular interest rate and estimated settlement charges. However:

If you would like to choose an available option, you must ask us for a new GFE.

Loan originators have the option t o complete this t able. Please ask for additional information if t he table is not completed.

Your initial loan amount $ $ $

Your initial interest rate1 % %

Your initial monthly amount owed $ $ $

Change in the monthly amount owed from

this GFE

No change You will pay $

more every month

You will pay $

less every month

Change in the amount you will pay at

settlement with this interest rate

No change Your sett lement charges will be

reduced by $

Your settlement charges

increase by $

How much your total estimated settlem ent

charges will be

$ $ $

1For an adjustable rate loan, the comparisons above are for t he initial i nterest rate before adjustments are made.

SING THEHOPPING CHART

Use this chart to compare GFEs from dif ferent loan originators. Fill in the inf ormation by using a dif ferent column f or each GFE you receiv

By comparing loan offers, you can shop for the best 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?

F YOUR LOANS SOLD INHE FUTURE

Some lenders may sell your loan after settlement. Any fees lenders receive in the future cannot change the loan you receive or the char

you paid at settlement.

These charges

cannot increase

at settlement:

The total of these charges

can increase up to 10%

at settlement:

These charges

can change

at settlement:

Our origination charge

Your credit or charge (points) for the specific

rate chosen (after you lock in your interest rate)Your adjusted origination charges (after you

lock in your interest rate)

Transfer taxes

Required services that we select

Tit le services and lender's tit le insurance (if

we select t hem or you use companies we identify)

Owner's title insurance (if you use

companies we identify )

Required services that you can shop for

(if y ou use companies we identify )

Government recording charges

If you want to choose this same loan with lower settlement charges, then you will have a higher interest rate.

If you want to choose this same loan with a lower interest rate, then you will have higher settlement charges.

The loan in this GFEThe same loan with

lower sett lement charges

The same loan with a

lower interest rate

This loan Loan 2 Loan 3 Loan 4

Total Estimated Settlement Charges

228,809.00

3.750

1,059.65

11,447.85

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


13/77

ACKNOWLEDGMENT OF RECEIPT OF GOOD FAITH ESTIMATE12 CFR 1024.7(f)(4)AR.GFE 12/30/11

ACKNOWLEDGMENT OF RECEIPT

OF GOOD FAITH ESTIMATE

Date:

Name of Originator:

Borrower Name(s):

Property Address:

Each of the undersigned Borrower(s) hereby acknowledges receipt of a copy of the Good Faith Estimate ("GFE"),dated . 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.

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

JUNE 17, 2015


DAVID FERGUSON REESE (NMLS # 173439)

1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)

ALAN I GOLDBERG


JUNE 17, 2015

ALAN I GOLDBERG

06/17/15 02:02:44 PM PDT


14/77

SETTLEMENT SERVICES PROVIDER LIST12 CFR 1024.7SSPL.GFE 12/30/11 Page 1 of 2

SETTLEMENT SERVICES PROVIDER LIST

Date:

Name of Originator:

Borrower Name(s):

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.

ServiceService Provider Name,

Address and Telephone NumberAffiliated

Business (Y/N)

JUNE 17, 2015


DAVID FERGUSON REESE1ST RATE HOME MORTGAGE, INC. (NMLS # 37411)ALAN I GOLDBERG


Title & Escrow

NexTitle Agency - 480-385-7200

9500 E Ironwood Square Dr STE 125

Scottsdale, AZ 85258

N


15/77

SETTLEMENT SERVICES PROVIDER LIST12 CFR 1024.7SSPL.GFE 12/30/11 Page 2 of 2

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date


ALAN I GOLDBERG

06/17/15 02:02:59 PM PDT


16/77

ANTI-STEERING DISCLOSURE OF LOAN OPTIONSASDOLO.MSC 11/26/12 Page 1 of 2

ANTI- STEERING DISCLOSURE OF LOAN OPTIONS

Date:

Borrower(s):

Property Address:

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

Loan Option 2 -

Lowest Origination Fees/Points

Loan Option 3 -

Lowest Rate without Risky Features1

Description

Interest Rate

Origination/Fees

Discount Points

ADJUSTABLE INTEREST RATE OPTIONS2 (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

1 "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 atstart rate.

3 See item 1.


JUNE 17, 2015

ALAN I GOLDBERG


VA - 30/YR Fixed VA - 30/YR Fixed VA - 30/YR Fixed

3.50% 4.00% 3.50%

$5,720.23 $5,720.230

0 0 0


17/77

ANTI-STEERING DISCLOSURE OF LOAN OPTIONSASDOLO.MSC 11/26/12 Page 2 of 2

By signing below, I hereby acknowledge receipt of this disclosure.

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

ALAN I GOLDBERG

06/17/15 02:03:18 PM PDT


18/77

ANSWERS TO THE MOST FREQUENTLY ASKEDTRUTH-IN-LENDING QUESTIONSZLET2.LSR 02/15/12 Page 1 of 2

ANSWERS TOTHE MOST FREQUENTLY ASKED

TRUTH-IN-LENDING QUESTIONS

ANNUAL PERCENTAGE RATE

The cost of your credit at a yearly rate.

FINANCE CHARGE

The dollar amount the credit

will cost you.

AMOUNT FINANCED

The amount of credit

provided to you or on your

behalf

TOTAL OF PAYMENTS

The amount you will have paid

after you have made all

payments as scheduled.

A % $ B $ C $ D

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 payingloan discount "points" and other "prepaid" finance charges at closing, the A.P.R. disclosed is often higher than the interestrate 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 fixedinterest rate of 12%, the payments would be $514.31 (principal and interest). Since the A.P.R. is based on the AmountFinanced ($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 insurancecharged 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"), adjustedinterest, 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 AmountFinanced would be $48,000.



19/77

ANSWERS TO THE MOST FREQUENTLY ASKEDTRUTH-IN-LENDING QUESTIONSZLET2.LSR 02/15/12 Page 2 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 refinancefor 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 termof 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. Yourprepaid 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.



20/77

EDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTMODEL FORM H-4(E)

ILFL.DSC 03/03/15 Page 1 of 2

FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)

oan Number: Date:

Creditor:

ddress:

orrower(s):

ddress:

Disclosures marked with an " x" are applicable:

PERCENTAGERATEThe cost of your credit as

a yearly rate

%

CHARGE

The dollar amount the

credit will cost you.

$

Financed

The amount of credit provided

to you or on your behalf.

$

Payments

The amount you will have

paid after you have made all

payments as scheduled.

$

Total Sale Price

The total cost of your

purchase on credit including

your down-payment of

$

$

INTEREST RATE AND PAYMENT SUMMARY

Interest Rate %

Principal + Interest Payment $

$

$

There is no guarantee that you will be able to refinance to lower your rate and payments.

www.docmagic.c

ANNUAL FINANCE Amount Total of

Est. Taxes + Insurance (Escrow)

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 ea

53502375 JUNE 17, 2015


401 W. BASELINE RD #102, TEMPE, ARIZONA 85283

ALAN I GOLDBERG


4.113 162,517.28 218,956.88 381,474.16 N/A

Rate & Monthly Payment

3.750

1,059.65X

Includes Mortgage Insurance 66.43

Total Est. Monthly Payment 1,126.08


21/77

EDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTMODEL FORM H-4(E)

ILFL.DSC 03/03/15 Page 2 of 2

PROPERTY INSURANCE: You may obtain fi re and other hazard insurance from anyone you want that is acceptable to the Creditor.

SECURITY: You are giving a security interest in:

Real property you already own.

FILING FEES: $

LATE CHARGE: If payment is more than days late, you will be charged % of the

PREPAYMENT: If you pay off early, you

ASSUMPTION: Someone buying your property

may not assume the remainder of your loan on the original terms.

See your contract documen ts for any additional information about nonpayment, default, any required repayment in full before the scheduled date

prepayment refunds and penalties.

ach of the undersigned acknowledges receipt of a complete copy of this disclosure. The disclosure does not constitute a contract or a commitment to

pplicant Date

pplicant Date

pplicant Date

Applicant

Applicant

Applicant

www.docmagic.c

The goods or property being purchased

may will not have to pay a penalty.

may will not be entitled to a ref und of part of the f inance charge.

may may, subject to conditions

" e" means an estimate all dates and numerical disclosures, except the late payment disclosures, are estimates.

Loan Number: 535023

NO OBLIGATION: You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.


X

90.00

15 4.000 payment.

X

X

X

X

ALAN I GOLDBERG

06/17/15 02:03:53 PM PDT


22/77

MORTGAGE LOAN ORIGINATION AGREEMENT

Mortgage Broker Name:

Office Address and

Telephone Number:

Applicant(s):

Property Address:

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 . We are licensed as a "Mortgage

Broker" under.

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 thelender. 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.

Applicant Date

Applicant Date

Applicant Date

Applicant Date

Applicant Date

Applicant Date



(866)200-9989

ALAN I GOLDBERG

1217 E AVENUE J5LANCASTER, CALIFORNIA 93535

JUNE 17, 2015


ALAN I GOLDBERG

06/17/15 02:04:04 PM PDT


23/77

LOAN SERVICING DISCLOSURE STATEMENT

LSDS6.MSC 06/25/14

SERVICING DISCLOSURE STATEMENT

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS:

THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED

Date:

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

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.

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

1ST RATE HOME MORTGAGE, INC401 W. BASELINE RD #102TEMPE, ARIZONA 85283


JUNE 17, 2015

X

ALAN I GOLDBERG

06/17/15 02:04:12 PM PDT


24/77

CONSUMER CREDIT SCORE DISCLOSURECALIFORNIA CIVIL CODE §§1785.20.2 AND 1785.15.1CACCS.DSC 10/30/12 Page

CONSUMER CREDIT SCORE DISCLOSURE

Loan Number:

Date:

Provided By:

Borrower:

Property Address:

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 consumerreporting agency distributed to users and the lender used in connection with your home loan, and the key factorsaffecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on informationthat a consumer reporting agency or lender has on file. The scores are based on data about your credit history andpayment patterns. Credit scores are important because they are used to assist the lender in determining whether youwill 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 patternschange, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company

to another.If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lenderdeveloped or generated the credit score. The consumer reporting agency plays no part in the decision to take anyaction on the loan application and is unable to provide you with specific reasons for the decision on a loanapplication.

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 bureaudistributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.

The credit score is a computer generated summary calculated at the time of the request and based on informationa 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 canchange over time, depending on your conduct, how your credit history and payment patterns change, and how creditscoring 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 companyto another.

If you have questions about your credit score or the credit information that is furnished to you, contact the creditbureau at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The credit bureau plays no part in the decision to take any action on the loan applicationand is unable to provide you with specific reasons for the decision on a loan application.


Contact Information:

JUNE 17, 2015


ALAN I GOLDBERG


ALAN I GOLDBERG


401 W. BASELINE RD #102TEMPE, ARIZONA 85283(866)200-9989

53502375

1

___________________________________Borrower Date

By signing below, the undersigned hereby acknowledges receipt of a copy of this disclosure.

06/17/15 02:04:23 PM PDT


25/77


26/77

RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEQ.MSC 04/23/14

RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICE

Loan Number:

Date:

Borrower:

Property Address:

YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

Source: Date:

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 youpay your bills on time and how much you owe to creditors.

Your credit score can change, depending on how your credit history changes.

Your credit score can affect whether you can get a loan and how much you will have to pay forthat loan.

Scores range from a low of to a high of .

Generally, the higher your score, the more likely you are to be offered better credit terms.

www.docmagic.com

Your Credit Score

Your credit score

Understanding Your Credit Score

What you should knowabout credit scores

How we use yourcredit score

The range of scores

How your scorecompares to the scoresof other consumers

Key factors thatadversely affectedyour credit score

53502375

JUNE 17, 2015

ALAN I GOLDBERG



694Equifax 06/16/2015

280 850

LEVEL OF DELINQUENCY ON ACCOUNTS

TOO MANY INQUIRIES LAST 12 MONTHS

HIGH BALANCE OWED ON REVOLVING ACCOUNTS

LATEST ACCOUNT OPENED TOO RECENTLY

Initial: _________

Page 1


27/77


You have a right to dispute any inaccurate information in your credit report. If you findmistakes 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.

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 canobtain from the Federal Trade Commission' s web site athttp://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request ServiceP.O. box 105281Atlanta, GA 30348-5281

For more information about credit reports and your r ights under federal law, visit the ConsumerFinancial 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 reportingagency distributed to users and the lender used in connection with your home loan, and the key factors affecting your creditscores.

The credit score is a computer generated summary calculated at the time of the request and based on information thata 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 overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.

Because the score is based on information in your credit history, it is very important that you review the credit-relatedinformation 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 consumerreporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developedor generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loanapplication and is unable to provide you with specific reasons for the decision on a loan application.


www.docmagic.com

Checking Your Credit Report

What if there aremistakes in yourcredit report?

How can you obtain acopy of your credit

report?

How can you getmore information?

Initial: _________

Page 2


28/77


If you have questions about your credit score or the credit information that is furnished to you, contact the consumerreporting agency at the address and telephone number provided below:

www.docmagic.com

EquifaxP.O. BOX 740241ATLANTA, GA 30374(800)685-1111

Initial: _________

Page 3


29/77

RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDEX.MSC 04/12/13


Loan Number:

Date:

Borrower:

Property Address:


Source: Date:







Your Credit Score

Your credit score




The range of scores



53502375

JUNE 17, 2015

ALAN I GOLDBERG



700Experian 06/16/2015

300 850

LEVEL OF DELINQUENCY ON ACCOUNTSTOO MANY INQUIRIES IN THE PAST 12 MONTHSBALANCE OWED ON REVOLVING ACCOUNTS IS HIGHSERIOUS DELINQUENCY

Initial: _________

Page 1


30/77













The credit score is a computer generated summary calculated at the time of the request and based on information thata consumer reporting agency or lender has on file. The scores are based on data about your credit history and paymentpatterns. 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 overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.







report?


Initial: _________

Page 2


31/77



ExperianP.O. BOX 4500ALLEN, TX 75013(888)397-3742

Initial: _________

Page 3


32/77

RESIDENTIAL MORTGAGE CREDIT SCORE DISCLOSURE EXCEPTION NOTICEFCRA § 615(h); 15 USC § 1681m(h);12 CFR §§ 222.70-75; 16 CFR §§ 640.1-640.6RMCSDTU.MSC 04/12/13


Loan Number:

Date:

Borrower:

Property Address:


Source: Date:







Your Credit Score

Your credit score




The range of scores



53502375

JUNE 17, 2015

ALAN I GOLDBERG



730Trans Union 06/16/2015

300 850

AMOUNT OWED ON ACCOUNTS IS TOO HIGHTOO MANY ACCOUNTS WITH BALANCESAMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGHLATEST ACCOUNT OPENED TOO RECENTLY

Initial: _________

Page 1


33/77













The credit score is a computer generated summary calculated at the time of the request and based on information thata 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 overtime, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologieschange.







report?


Initial: _________

Page 2


34/77



TransUnionP.O. BOX 2000CHESTER, PA 19022-2000(800)916-8800

Initial: _________

Page 3


35/77

DISCLOSURE NOTICESDN6.MSC 09/01/10 Page 1 of 2

DISCLOSURE NOTICESDate:

Applicant(s): Property Address:

AFFIDAVIT OF OCCUPANCYApplicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy status will

be as follows:

Primary Residence - Applicant(s) shall occupy, establish, and use the Property as Applicant(s) principal residence within 60days after closing and shall continue to occupy the Property as Applicant(s) principal residence f or 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 i f 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 f ederal crime punishable by fine or imprisonment, or both, to knowingly make any f alse statement

concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE

ANTI-COERCION STATEMENTThe 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 f inancial 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:

Insurance Company Name

Agent' s Address

APPLICANT SIGNATURE

APPLICANT SIGNATURE

Agent

Telephone Number

APPLICANT SIGNATURE

APPLICANT SIGNATURE

FAIR CREDIT REPORTING ACTAn investigat ion will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope of any

investigation will be furnished to you upon writ ten request made within a reasonable period of time. In the event of credit denial due to anunfavorable 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.

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE


ALAN I GOLDBERG 1217 E AVENUE J5,

LANCASTER, CALIFORNIA 93535

X

JUNE 17, 2015

ALAN I GOLDBERG

ALAN I GOLDBERG

ALAN I GOLDBERG

06/17/15 02:13:46 PM PDT

06/17/15 02:10:33 PM PDT

06/17/15 02:06:21 PM PDT

MIKE IRWINSTATE FARM

44337 CHALLENGER WAY LANCASTER CA 93535-3861 661 940 1588


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DISCLOSURE NOTICESDN6.MSC 09/01/10 Page 2 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 f inancial 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.

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE

APPLICANT SIGNATURE

ALAN I GOLDBERG

06/17/15 02:13:55 PM PDT


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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

31 CFR 1020.220

IICIV.MSC 03/18/13

USA PATRIOT ACT

IMPORTANT INFORMATION ABOUT PROCEDURES

FOR OPENING A NEW ACCOUNT

Loan Number:

Date:

Provided By:

Applicant(s):

Property Address:

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.

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

www.docmagic.com

ALAN I GOLDBERG



ALAN I GOLDBERG

JUNE 17, 2015

53502375

06/17/15 02:14:09 PM PDT


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DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS15 U.S.C. § 1691(e); 12 CFR § 1002.14(a)(2)DRRCA.MSC 03/03/14

DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS

Loan Number:

Date:

Lender:

Borrower(s):

Property Address:

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.


Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

www.docmagic.com

53502375

JUNE 17, 2015


ALAN I GOLDBERG


ALAN I GOLDBERG

06/17/15 02:14:15 PM PDT


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FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE12 CFR 1002.9(b)ECOA.LSR 09/30/14

FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE

Loan Number:

Date:

Provided By:

Borrower(s):

Property Address:

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:


Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

Borrower Date

www.docmagic.com

53502375

Federal Trade CommissionEqual Credit OpportunityWashington, DC 20580

JUNE 17, 2015


ALAN I GOLDBERG


ALAN I GOLDBERG

06/17/15 02:14:21 PM PDT


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PRIVACY FORM - OPT OUT15 U.S.C. 6801 et seq.; 12 CFR 1016 Appendix APFOO.MSC 11/08/12 Page 1 of 2

Rev.

WHAT DOESDO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers theright to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, andprotect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you havewith us. This information can include:Social Security number

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' personalinformation; the reasonschooses to share; and whether you can limit this sharing.

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 creditbureaus

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

Call - our menu will prompt you through your choice(s)

Visit us online: orMail the form below

Please note: If you are a new customer, we can begin sharing your information days from the date wesent this notice. When you are no longer our customer, we continue to share your information asdescribed in this notice. However, you can contact us at any time to limit our sharing.

Call or go to

Leave BlankOR

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.

Mail to:

FACTS

Why?

What?

How?

Reasons we can share your personal informationDoes

share?Can you limitthis sharing?

To limitour sharing

Questions?

Mail-in Form

Name

Address

City, State, Zip



and incomeAccount balances and payment historyCredit history and credit scores


1ST RATE HOMEMORTGAGE, INC

YES NO

(866)200-9989

30

(866)200-9989

ALAN I GOLDBERG1ST RATE HOMEMORTGAGE, INC401 W. BASELINERD #102, TEMPE,ARIZONA 85283

alan-i goldberg initial disclosure 2015 06-17-5581e6768e791

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