| Good Faith Estimate | | | | Date: | 08/23/2009 | Borrower: | Noelle | | | | | Robert | | | | Lender: | Alliance Credit Union
265 Curtner Avenue
, CA 95125
| Property Address: |
where-I-live, CA | | | 800-232-8669 or 408-445-3386 | | | | | | Loan ID: | 4457612 | Type of Loan: | 30 Year Fixed Rate |
The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates ï the actual charges may be more or less. Your transaction may not involve a fee for every item listed. The numbers listed beside the estimates generally correspond to the numbered lines contained in the HUD-1 or HUD-1A settlement statement that you will receive at settlement. The HUD-1 or HUD-1A settlement statement will show you actual cost for items paid at settlement. HUD 1
OR 1A | | ITEM | AMOUNT | | POC* | | 802 | | Discount Points | $3,480.00 | | | | 803 | | Appraisal Fee | $450.00 | | POC - Borrower | | 804 | | Credit Report | $18.00 | | POC - Lender | | 809 | | Tax Service Fee | $72.00 | | POC - Lender | | 811 | | Underwriting Fee | $100.00 | | POC - Lender | | 813 | | Document Preparation Fee | $35.00 | | POC - Lender | | 814 | | Processing Fee | $1,500.00 | | | | 901 | | Interest Due at Closing for 29 days at $31.7808 per day | $921.64 | | | | 903 | | Hazard Insurance Premium | $2,037.00 | | POC - Borrower | | 1001 | | Hazard Insurance Escrow Deposit | $679.00 | | | | 1004 | | Property Tax Escrow Deposit | $3,000.00 | | | | 1101 | | Settlement or Closing Fee | $625.00 | | | | 1108 | | Title Insurance | $575.00 | | | | 1201 | | Recording Fee | $65.00 | | | | 1303 | | Flood Determination | $14.00 | | POC - Lender |
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*Indicates costs paid outside of closing by the borrower or the lender as indicated. If an estimated settlement charge is listed on the Good Faith Estimate for a HUD Line that corresponds with the Item Number listed below, the lender requires that you use and pay for the service providers shown below. The lender has repeatedly used or required borrowers to use the services of these providers within the last 12 months: | ITEM NO. | NAME, ADDRESS, AND TELEPHONE NUMBER OF PROVIDER | NATURE OF RELATIONSHIP | | 804 | | Equifax Credit Information Service | | box 740241 | | Atlanta, GA 30374 | | 1-800-685-1111 |
| The lender has repeatedly used the services of this provider within the last twelve months. | | 809 | | First American Real Estate Tax Service Inc. | | 1800 Sutter Street Suite 800 | | Concord, CA 94520 | | 1-800-966-4829 |
| The lender has repeatedly used the services of this provider within the last twelve months. | | 1108 | | Chicago Title Company | | 290 Los Gatos ï Saratoga Road | | Los Gatos, CA 95030 | | 408-354-8130 |
| The lender has repeatedly used the services of this provider within the last twelve months. | | 1303 | | First American Flood Data Services Inc. | | 11902 Burnet Road Suite 400 | | Austin, TX 78758 | | 1-800-447-1772 |
| The lender has repeatedly used the services of this provider within the last twelve months. |
For each of the following settlement services, the Lender (or Borrower, where required by applicable state law) will select the provider from a lender-controlled list of five (5) or more providers: These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974, as amended (RESPA). Additional information can be found in the HUD Settlement Special Information Booklet, which is to be provided to you by your mortgage broker or lender if your application is to purchase residential real estate property and the Lender will take a first lien on the property. | This disclosure was viewed by Noelle and Robert electronically on 08/23/2009 as part of the online application process. |
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