Thanks again for applying with us for your mortgage loan! We look forward to serving you during both the processing of your loan AND during the years of home ownership to come. Property & Loan Information Applicant Documentation Please Contact: Phone: Fax: Lisa Lewis [email protected](512)238-3036 (512)473-3675 Amy Z Foshko Solomon Z Foshko 5604 SW Parkway, Apt. #1933 Austin, TX 78735 In order for us to make a final, formal loan decision, we will need from you the documents listed below. If ORIGINALS are requested, WE will make the copies for our file and return the originals to you. This information must be returned to us by 02/04/2010 . Dear Solomon Z Foshko , Sincerely, Remember, I'm Lisa Lewis and you can contact me or Lisa Lewis , your Loan Officer, regarding this request, or any part of the loan process, using one of the means below. We value you and the opportunity to be of service to you!
Transcript
Thanks again for applying with us for your mortgage loan! We look forward to serving you during both the processing ofyour loan AND during the years of home ownership to come.
Property & Loan Information
Applicant Documentation
Please Contact:
Phone:Fax:
Document Request Letter
01/28/2010 02:52:27 PM 115C1 896882
Colonial National Mortgage, a division of Colonial Savings, F.A.
In order for us to make a final, formal loan decision, we will need from you the documents listed below. If ORIGINALSare requested, WE will make the copies for our file and return the originals to you. This information must be returned tous by 02/04/2010 .
Date : 01/28/2010 RE : Loan Number : 896882
Dear Solomon Z Foshko ,
Document Request LetterF_DRL1.UFF (01/2001)
Sincerely,
Remember, I'm Lisa Lewis and you can contact me or Lisa Lewis , your Loan Officer, regarding this request, or any part of the loan process, using one of the means below. We value you and the opportunity to be of service to you!
FINANCE CHARGEThe cost of your credit as ayearly rate.
The dollar amount thecredit will cost you.
Amount FinancedThe amount of creditprovided to you or onyour behalf.
NUMBER OFPAYMENTS
AMOUNT OFPAYMENTS
NUMBER OFPAYMENTS
PAYMENTS ARE DUE
BEGINNING
PAYMENT SCHEDULE:
DEMAND FEATURE:
VARIABLE RATE FEATURE:
SECURITY:
ASSUMPTION:
FILING / RECORDING FEES: PROPERTY INSURANCE:
LATE CHARGES:
PREPAYMENT:
% $ $ $
This loan does not have a Demand Feature. This loan has a Demand Feature as follows:
This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier. You are giving a security interest in the property located at:
Someone buying this property cannot assume the remaining balance due under original mortgage termsmay assume, subject to lender' s conditions, the remaining balance due under original mortgage terms.
See your contract documents for any additional information regarding non-payment, default, required repayment in full before scheduled date,and prepayment refunds and penalties.
$Property hazard insurance in the amount of $ with a mortgagee clause to the lender
is a required condition of this loan. Borrower may purchase this insurance from any insurance company acceptable to the lender. Hazard insurance is is not available through the lender at an estimated cost of for a year term.
If your payment is more than days late, a late charge of % of thewill be assessed.
If you pay off your loan early, youmay will not have to pay a penalty. may be entitled to a refund of part of the finance charge.
You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.
BORROWER/DATE BORROWER/DATE
will not
BORROWER/DATE BORROWER/DATE
e means estimate
TRUTH-IN-LENDING DISCLOSURE STATEMENT (THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
Truth-In-Lending DisclosureVMP788 (0905).00
AMOUNT OFPAYMENTS
PAYMENTS ARE DUE
BEGINNING
Wolters Kluw er Financial Services Page 1 of 2VMP
2004, 2009
The amount you will have paidafter you have made allpayments as scheduled.
I/We hereby acknowledge reading and receiving a complete copy of this disclosure.
12 $1,711.67 05/01/2015
X $0.00
Solomon Z Foshko Fixed Rate
X
7 $1,706.16 05/01/2017
payment
1 $1,580.09 04/01/2040
MONTHLY MONTHLY
X
5604 SW Parkway, Apt. 1933
12 $1,723.31 05/01/2010
X
12 $1,718.99 05/01/2012
0.00
12 $1,714.23 05/01/2014
896882
12 $1,708.98 05/01/2016
5.306 287,943.18 294,181.51 582,124.69
15 5.000
268 $1,583.66 12/01/2017
896882
X
Austin, TX 78735
9211 Sautelle Lane Austin TX 78749
12 $1,721.20 05/01/2011
12 $1,716.67 05/01/2013
1000 Heritage Center Circle 01/28/2010
Solomon Z Foshko Amy Z Foshko
01/28/2010 02:52:27 PM 115C1
9211 Sautelle Lane Austin, TX 78749
Colonial National Mortgage, a division of Colonial Savings, F.A.
00896882- 000896882- 0
This is not the Note rate for which the borrower applied. The Annual Percentage Rate (APR) is the cost of the loan inpercentage terms taking into account various loan charges of which interest is only one such charge. Other charges which areused in calculation of the Annual Percentage Rate are Private Mortgage Insurance or FHA Mortgage Insurance Premium (whenapplicable) and Prepaid Finance Charges (loan discount, origination fees, prepaid interest and other credit costs). The APR iscalculated by spreading these charges over the life of the loan which results in a rate generally higher than the interest rateshown on your Mortgage/Deed of Trust Note. If interest was the only Finance Charge, then the interest rate and the AnnualPercentage Rate would be the same.
PREPAID FINANCE CHARGES
Prepaid Finance Charges are certain charges made in connection with the loan and which must be paid upon the close of theloan. These charges are defined by the Federal Reserve Board in Regulation Z and the charges must be paid by the borrower.Non-Inclusive examples of such charges are: Loan origination fee, "Points" or Discount, Private Mortgage Insurance or FHAMortgage Insurance, Tax Service Fee. Some loan charges are specifically excluded from the Prepaid Finance Charge such asappraisal fees and credit report fees.
Prepaid Finance Charges are totaled and then subtracted from the Loan Amount (the face amount of the Deed of Trust/MortgageNote). The net figure is the Amount Financed as explained below.
DEFINITION OF TRUTH-IN-LENDING TERMS
ANNUAL PERCENTAGE RATE
FINANCE CHARGE
The amount of interest, prepaid finance charge and certain insurance premiums (if any) which the borrower will be expected topay over the life of the loan.
AMOUNT FINANCED
The Amount Financed is the loan amount applied for less the prepaid finance charges. Prepaid finance charges can be found onthe Good Faith Estimate/Settlement Statement (HUD-1 or 1A). For example if the borrower' s note is for $100,000 and thePrepaid Finance Charges total $5,000, the Amount Financed would be $95,000. The Amount Financed is the figure on whichthe Annual Percentage Rate is based.
TOTAL OF PAYMENTS
This figure represents the total of all payments made toward principal, interest and mortgage insurance (if applicable).
PAYMENT SCHEDULE
The dollar figures in the Payment Schedule represent principal, interest, plus Private Mortgage Insurance (if applicable). Thesefigures will not reflect taxes and insurance escrows or any temporary buydown payments contributed by the seller.
Page 2 of 2Init ials:
VMP -788 (0412).04
Questions & Answers about "Truth-in-Lending" Statement
* THE TRUTH-IN-LENDING FORM IS NOT TO BE CONSIDERED A COMMITMENT FOR A HOME MORTGAGE LOAN. *
1. Why does the federal law require this form?The law requires all lenders to state such charges in a uniform manner, making it easier for you to know four of the mostimportant aspects about the cost of credit. These four aspects are the figures in the square boxes, and are given in order to allowyou to compare the cost of credit when applying for a loan.
2. What is the "Annual Percentage Rate" (A.P.R.)?First, it is NOT your Note Rate. It is the cost of financing your purchase and, therefore, includes various fees you may pay at orbefore closing (such as discount points) averaged over the life of the loan and then expressed as a "yearly rate". The APR willgenerally be higher than your Note Rate because of the inclusion of these fees. The federal guidelines set forth the fees to beincluded as well as the formula to be used.
3. What is the "Finance Charge"?
4. What is the "Amount Financed"?
5. Does this mean I will get a lower mortgage amount than I applied for?No. If your loan is approved for the amount you applied for, that is how much will be credited toward your home purchase orrefinancing at closing.
6. What is the "Total Amount of Payments"?This figure indicates the total amount you will have paid, including principal, interest, and any mortgage insurance required, overthe life of the loan based on the assumption that you make minimum required payments for the entire term of the loan. Thisfigure is estimated on the initial disclosure and is always an estimate on any adjustable rate mortgage transaction.
7. What if my loan is an adjustable rate mortgage?The payments shown in the Schedule of Payments and Total of Payments will only be estimates because it is not possible to knowwhat your payments will be from the first change forward. Future payments will be based on a future index rate as described inthe Program Disclosure you received at application.
8.It means you will be charged interest only for the period of time you use the money loaned to you. The fees you paid at closingare not refundable. Neither is any interest which has already been paid.
9. What if my statement says I may be entitled to a refund?
10.FHA requires interest to be paid through the end of the month even if the loan is paid off in the middle or beginning of the month.The additional interest you may be required to pay in those instances is considered a "prepayment penalty" under federalguidelines for Truth-in-Lending.
What is the filing fee?The filing fee is an estimate of the cost of recording the legal documents (mortgage or deed, and any attachments to it). Thesefees will be charged at closing.
Lenders are required by law to provide the information on this statement to you in a timely manner. Your signature merelyindicates that you have received this information and does not obligate either you or the lender in any way.
13. Why is there a variation in payments?There may be 3 reasons: (1) You may be required to have mortgage insurance which will vary your payments over the life of theloan, (2) you may have adjustable rate mortgage and future payments are unknown, and (3) only the last payment may be differentbecause of the final payment of interest due.
If my statement says I will not be entitled to a refund of part of the finance charge, what does that mean?
What if my statement says I may incur a penalty if I pay my loan off early?
Federal law requires us to furnish you with a "Truth-in-Lending Disclosure Statement"; however, in order to avoid confusion, there are a fewthings we think you should know. The numbers shown on this form are arrived at by using the estimated costs for your loan and the formulasset forth in the federal guideline
This is the estimated amount of money paid to obtain credit: the total amount of interest estimated to be repaid over the life of theloan, any prepaid finance charges and the total amount of any mortgage insurance you have to pay over the life of the loan. Thisfigure is ESTIMATED on the initial disclosure statement.
This figure reflects the actual loan amount applied for LESS certain estimated prepaid finance charges (loan origination fee,discount points, prepaid interest, etc.) you may be paying. This amount is not to be confused with your loan amount. The"Amount Financed" is calculated as set forth in the federal guidelines.
If you have any questions about the form on your loan, please call
01/28/2010 02:52:27 PM 115C1 896882
PLEASE SIGN AND RETURN ONE COPY OF THE TRUTH-IN-LENDING STATEMENT TO YOURLOCAL LENDER IMMEDIATELY. KEEP THIS FORM FOR YOUR RECORDS.
YOUR PROCESSOR OR LOANOFFICER.
Questions & Answers about TIL StatementF_QAS1.uff (07/2000)
11.
12. Why must I sign the disclosure statement?
In certain FHA loans and certain Conventional Loans with private mortgage insurance, some of the required mortgage insuranceMAY be refundable.
Disclosure Information Transmittal
Good Faith Estimate Service Provider DisclosureBorrower Certification and Authorization
CONVENTIONAL
Servicing/RESPA DisclosureFederal Truth-In-Lending DisclosureQuestions & Answers: Truth-In-Lending DisclosureRight to Receive a Copy of an AppraisalPrivate Mortgage Insurance DisclosureBalloon Loan DisclosureAdjustable Rate Mortgage Program DisclosureDuBose & Associates Quote Authorization FormColonial Life Quote Authorization Form
The following enclosed booklets contain important information pertaining to your loan transaction andshould be reviewed carefully. Any we've included are yours to keep.
The HUD Guide to Settlement CostsThe Consumer Handbook on Adjustable Rate Mortgages
If you have any questions regarding these forms, please contact me by one of the methods below.
Sincerely,
All disclosures require your and any Co-Applicant's original signature and the date upon which yousigned the disclosure. PLEASE RETAIN ONE COPY OF EACH OF THE DISCLOSURES.RETURN THE OTHER COPY, SIGNED AND DATED ACCORDINGLY, TO ME AT THEFOLLOWING ADDRESS :
Credit Score Disclosure / Notice To The Home Loan ApplicantPatriot Act Consumer Disclosure
Interest Rate Agreement
01/28/2010 02:52:27 PM 115C1 896882
1717 W. 6th Street Suite 110 R
Colonial National Mortgage, a division of Colonial Savings, F.A.
Colonial National Mortgage, a division of Colonial Savings, F.A.
Dear Solomon Z Foshko :
Date : 01/28/2010 Loan # : 896882
Applicant(s) : Solomon Z Foshko
THANK YOU FOR YOUR MORTGAGE APPLICATION to Colonial National Mortgage, a division of Colonial Savings, F.A. ! Below is a list of required loan disclosures that are included in this Application Package, in duplicate
Disclosure Information Transmittal ConventionalF_DITCNV.UFF (11/2004)
Phone : (512)238-3036Fax : (512)238-3038
Uniform Residential Loan Application
MortgageApplied for:
VA
FHA USDA/Rural Housing Service Amount Interest Rate No. of Months Amortization
Type:
Agency Case Number Lender Case Number
Fixed Rate
GPM
Other (explain):
ARM (type):
I. TYPE OF MORTGAGE AND TERMS OF LOAN
II. PROPERTY INFORMATION AND PURPOSE OF LOAN$ %
No. of Units
Year Built
Subject Property Address (street, city, state & ZIP)
Legal Descript ion of Subject Property (at tach descript ion if necessary)
Purpose of Loan Purchase
Ref inance
Construct ion
Construct ion-Permanent
Other (explain): Property w ill be:PrimaryResidence
SecondaryResidence Investment
Complete this line if construction or construction-permanent loan.Year LotAcquired
Original Cost
Amount Exist ing 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 Purpose of Ref inance DescribeImprovements
Amount Exist ing Liens
made to be made
Cost: $Estate w ill be held in:
$
$
Leasehold (showexpiration date)
Tit le w ill be held in what Name(s)
Source of Down Payment, Sett lement Charges, and/or Subordinate Financing (explain)
IV. EMPLOYMENT INFORMATION Co-BorrowerBorrower
III. BORROWER INFORMATION Co-BorrowerBorrowerCo-Borrower' s Name (include Jr. or Sr. if applicable)
Married
Separated
Unmarried (include single,divorced, w idow ed)
Dependents (not listed by Borrow er)
Manner in which Tit le w ill be held
Social Security Number Home Phone (incl. area code) Yrs.School
Present Address (street, city, state, ZIP) Own Rent No. Yrs.
Former Address (street, city, state, ZIP) Own Rent No. Yrs.
Borrower' s Name (include Jr. or Sr. if applicable)
Married
Separated
Unmarried (include single,divorced, w idow ed)
Dependents (not listed by Co-Borrow er)
Social Security Number Home Phone (incl. area code) DOB(mm/dd/yyyy)
Yrs.School
Former Address (street, city, state, ZIP)
Mailing Address, if dif ferent f rom Present Address
If residing at present address for less than two years, complete the following:
Present Address (street, city, state, ZIP) Rent No. Yrs.
Mailing Address, if dif ferent f rom Present Address
Own Rent No. Yrs.
Name & Address of Employer
Posit ion/Tit le/Type of Business Business Phone (incl. area code)
Dates (f rom - to)
Monthly Income
Self Employed
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
Posit ion/Tit le/Type of Business Business Phone (incl. area code)
Yrs. on this job
Yrs. employed in this lineof work/profession
Self Employed
Name & Address of Employer
Posit ion/Tit le/Type of Business Business Phone (incl. area code)
Dates (f rom - to)
Monthly Income
Self Employed
$
Name & Address of Employer
Business Phone (incl. area code)
Dates (f rom - to)
Monthly Income
Self Employed
Name & Address of Employer
Posit ion/Tit le/Type of Business Business Phone (incl. area code)
Yrs. on this job
Yrs. employed in this lineof work/profession
Self Employed
$
Name & Address of Employer
Posit ion/Tit le/Type of Business Business Phone (incl. area code)
Dates (f rom - to)
Monthly Income
Self Employed
$
no. ages no. ages
Posit ion/Tit le/Type of Business$
Own
Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05
also be provided (and the appropriate box checked) when
Co-Borrow er
If this is an applicat ion for joint credit , Borrower andCo-Borrower each agree that we intend to apply forjoint credit (sign below):
than the Borrower (including the Borrower' s spouse) w ill be used as a basis for loan qualif icat ion or
Wolters Kluw er Financial Services
Init ials:Page 1 of 4
Other (explain):Convent ional
DOB(mm/dd/yyyy)
This applicat ion is designed to be completed by the applicant(s) w ith the Lender' s assistance. Applicantsshould complete this form as " Borrower" or " Co-Borrower," as applicable. Co-Borrower informat ion must
Borrow er
Fee Simple
the income or assets of a person other
the income or assets of the Borrower' s spouse or other person who has community property rightspursuant to state law w ill not be used as a basis for loan qualif icat ion, but his or her liabilit ies must beconsidered because the spouse or other person has community property rights pursuant to applicable lawand Borrower resides in a community property state, the security property is located in a communityproperty state, or the Borrower is relying on other property located in a community property state as abasis for repayment of the loan.
Strategic Forecasting 5.6 Tx Commission for Environmental 1.6
299,250.00 4.875 360
X X
5.6 1.6
X 2.6 X 2.6
Solomon Z Foshko, Amy Z Foshko
Sr Customer Svc (512)744-4089
GIFT FROM RELATIVE
Student
X
Gross Monthly Income
Base Empl. Income*
Overt ime
Bonuses
Commissions
Dividends/Interest
Net Rental IncomeOther (before completing,see the notice in "describeother income," below )
Borrower Co-Borrower Total Combined Monthly Housing Expense Present Proposed
VI. ASSETS AND LIABILITIES
Rent
First Mortgage (P&I)
Other Financing (P&I)
Hazard Insurance
Real Estate Taxes
Mortgage Insurance
Homeowner Assn. Dues
Other:
TotalTotal $ $
$
$
$
* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
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. Monthly AmountB/C
$
This Statement and any applicable support ing schedules may be completed joint ly by both married and unmarried Co-Borrowers if their assets and liabilit ies aresuff icient ly joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherw ise, separate Statements and Schedules are required. Ifthe Co-Borrower sect ion was completed about a non-applicant spouse or other person, this Statement and support ing schedules must be completed about that spouseor other person also.
$
$
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 liabilit ies, w hich w ill be satisfied upon sale of real estateow ned or upon refinancing of the subject property.
Subtotal Liquid AssetsReal estate owned (enter market valuefrom schedule of real estate owned)
Vested interest in ret irement fundNet worth of business(es) owned(attach f inancial statement)
Automobiles owned (make and year)
Other Assets (itemize)
LIABILITIES Unpaid Balance
$
Name and address of Company
$
$
Name and address of Company
$
$
Name and address of Company
Acct. no.
Acct. no.
Name and address of Company
Name and address of Company
Acct. no.
Alimony/Child Support /Separate MaintenancePayments Owed to:
Name and address of Company
Job-Related Expense (child care, union dues,etc.)
Total Monthly Payments$
Acct. no.
Name and address of Company
Acct. no.
Net Worth(a minus b)Total Assets a.
Not Joint lyJoint lyCompleted
Monthly Payment &Months Left to Pay
$ Payment/Months
$ Payment/Months
$ Payment/Months
$ Payment/Months
$ Payment/Months
$
$
$ Payment/Months
$ Total Liabilities b.
$ Payment/Months
$
$
$
$
Acct. no.
Acct. no.
Acct. no.
Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05VMP -21N (0507).03
Init ials:Page 2 of 4
Acct. no.
$
$
$
$
0.00
0.00
0.00 0.00 0.00 0.00 0.00
896882
0.00 0.00 0.00 0.00 800.00
0.00 0.00 0.00 0.00 0.00
0.00
7,000.00 4,458.00 11,458.00 845.00 2,648.31
0.00
0.00
0.00 0.00 0.00 0.00 1,583.66
0.00 0.00 0.00
0.00
0.00 0.00 0.00 0.00 125.00
0.00 0.00 0.00 0.00 139.65
X
Flood/Catas 0.00 0.00
0.00
0.00
7,000.00 4,458.00 11,458.00 845.00
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
Schedule of Real Estate Owned (If addit ional propert ies are owned, use cont inuat ion sheet.)
Property Address (enter S if sold, PS if pending saleor R if rental being held for income)
Type ofProperty
PresentMarket Value
Amount of Mortgages& Liens
GrossRental Income
Mortgage Payments
Insurance,Maintenance, Taxes & Misc.
NetRental Income
$
$
$
$ $ $ $ $
$$$$Totals
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):Creditor Name Account Number
VI. ASSETS AND LIABILITIES (cont'd)
Alternate Name
Do you intend to occupy the property as your primaryresidence? If " Yes," complete quest ion m below .
Acknow ledgement . Each of the undersigned hereby acknow ledges that any ow ner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this applicationor obtain any information or data relating to the Loan, for any legit imate business purpose through any source, including a source named in this application or a consumer reporting agency.
IX. ACKNOWLEDGEMENT AND AGREEMENT
Borrower' s Signature Date Co-Borrower' s Signature Date
X X
The follow ing information is requested by the Federal Government for certain types of loans related to a dw elling in order to monitor the lender' s compliance w ith equal credit opportunity, fair housingand home mortgage disclosure law s. 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 thisinformation, or on w hether 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 furnishethnicity, 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 notw ish to furnish the information, please check the box below . (Lender must review the above material to assure that the disclosures satisfy all requirements to w hich the lender is subject under applicablestate law for the particular type of loan applied for.)
CO-BORROWERBORROWER
White
Black orAfrican American
Female
Asian
Male
Race:
Sex:
I do not w ish to furnish this information.
Not Hispanic or Latino
White
Black orAfrican American
I do not w ish to furnish this information.
Hispanic or Latino
VIII. DECLARATIONSVII. DETAILS OF TRANSACTIONPurchase price
Alterat ions, improvements, repairs
a.
Land (if acquired separately)
Ref inance (incl. debts to be paid of f )
Est imated prepaid items
Est imated closing costs
PMI, MIP, Funding Fee
Discount (if Borrower w ill pay)
Cash from/to Borrower(subtract j, k, l & o f rom i)
p.
Subordinate f inancing
Loan amount (add m & n)
Total costs (add items a through h)
b.
c.
d.
e.
f .
g.
h.
i.j.
k.
l.
$
Borrower' s closing costs paid by Seller
Are there any outstanding judgments against you?
Have you been declared bankrupt w ithin the past 7 years?
m.
n.
o.
PMI, MIP, Funding Fee f inanced
Other Credits (explain)
Loan amount (exclude PMI, MIP, Funding Fee f inanced)
Have you had property foreclosed upon or given t it le or deed inlieu thereof in the last 7 years?Are you a party to a lawsuit?
provide details, including date, name, and address of Lender,FHA or VA case number, if any, and reasons for the act ion.)
Have you direct ly or indirect ly been obligated on any loan which resulted in foreclosure,transfer of t it le in lieu of foreclosure, or judgment? (This would include such loans as homemortgage loans, SBA loans, home improvement loans, educat ional loans, manufactured(mobile) home loans, any mortgage, f inancial obligat ion, bond, or loan guarantee. If " Yes,"
Are you obligated to pay alimony, child support , or separatemaintenance?Is any part of the down payment borrowed?
Are you a co-maker or endorser on a note?
a.
b.c.
d.e.
f .
g.
h.
i.
Are you a permanent resident alien?
j.
l.k.
If you answer "Yes" to any questions a through i, pleaseuse continuation sheet for explanation.
Borrower Co-Borrower
Yes No NoYes
Are you present ly delinquent or in default on any Federal debt orany other loan, mortgage, f inancial obligat ion, bond, or loanguarantee? If " Yes," give details as described in the precedingquest ion.
Are you a U.S. cit izen?
m. Have you had an ownership interest in a property in the lastthree years?(1) What type of property did you own - - principal residence
(PR), second home (SH), or investment property (IP)?How did you hold t it le to the home - - solely by yourself (S),joint ly w ith your spouse (SP), or joint ly w ith another person(O)?
(2)
Female
Native Haw aiian orOther Pacif ic Islander
Asian
Male
Not Hispanic or Latino Ethnicity:American Indian orAlaska Native
Hispanic or Latino
Native Haw aiian orOther Pacif ic Islander
American Indian orAlaska Native
Sex:
Ethnicity:Race:
Each of the undersigned specif ically represents to Lender and to Lender' s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees andacknow ledges 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 thisinformation contained in this application may result in civil liability, including monetary damages, to any person w ho may suffer any loss due to reliance upon any misrepresentation that I have made onthis application, and/or in criminal penalties including, but not limited to, f ine or imprisonment or both under the provisions of Tit le 18, United States Code, Sec. 1001, et seq.; (2) the loan requestedpursuant to this application (the "Loan" ) w ill be secured by a mortgage or deed of trust on the property described in this application; (3) the property w ill not be used for any illegal or prohibited purposeor use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property w ill be occupied as indicated in this application; (6) the Lender, itsservicers, successors or assigns may retain the original and/or an electronic record of this application, w hether 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 thematerial 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 orassigns 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)ow nership of the Loan and/or administration of the Loan account may be transferred w ith 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 w arranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application asan "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state law s (excluding audio and video recordings), or my facsimile transmission of thisapplication containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application w ere delivered containing my original w ritten signature.
Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05VMP -21N (0507).03 Page 3 of 4
Name and Address of Interviewer' s Employer
Face-to-face interview
Mail
Internet
To be Completed by InterviewerThis applicat ion was taken by:
Interviewer' s Name (print or type)
Interviewer' s Signature
Interviewer' s Phone Number (incl. area code)
Date
Telephone
332,500.00
Seller Credit 0.00 X X
0.00 X X
0.00 X X
Lisa Lewis
X X
4,829.49 X X
X X
X X
0.00
299,250.00
(512)238-3036
345,571.99
299,250.00
2,872.00
Borrower Paid Fees 0.00 X X
0.00
Lender Credit 0.00 X X
0.00 X X
0.00 X X
1000 Heritage Center Circle
Round Rock, TX. 78664
8,242.50 X X
X X
X
0.00
0 0 0 0 0 0
0.00 X X
896882
0.00 X X
43,449.99
Colonial National Mortgage, a division of Colonial Savings,F.A.
01/28/2010
1000 Heritage Center CircleRound Rock, TX. 78664
Borrower:
Co-Borrower:
Agency Case Number:
Lender Case Number:
Use this cont inuat ion sheet ifyou need more space tocomplete the Resident ial LoanApplicat ion. Mark B forBorrower or C for Co-Borrower.
I/We fully understand that it is a Federal crime punishable by f ine or imprisonment, or both, to know ingly make any false statements concerning any of the above factsas applicable under the provisions of Tit le 18, United States Code, Sect ion 1001, et seq.
Borrower' s Signature: Date Co-Borrower' s Signature: Date
XX
Freddie Mac Form 65 7/05Fannie Mae Form 1003 7/05VMP -21N (0507).03 Page 4 of 4
CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Foshko, Amy Z 896882
896882
Foshko, Solomon Z
The undersigned certify the following :
I/We understand and agree that the Lender reserves the right to process the mortgage application under a full documentationprogram. This may include verifying the information provided on the application with the employer and/or the financialinstitution, as well as any creditor I/we have listed.
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any falsestatements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.
I /We understand that my/our mortgage application may be selected by the Lender and/or its assigns or agent for a QualityControl review as required by Lender's regulatory agency (Office of Thrift Supervision), the Investor and the Insurer (FHA, VA,or Mortgage Insurance Company). The quality control review will involve reverification of any or all of the informationprovided by me/us on the application as well as the property valuation.
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Authorization to Release InformationTo Whom It May Concern :
I/We have applied for a mortgage loan from the Lender noted above. As part of the application process, Lender may verifyinformation contained in my/our loan application and other documents required in connection with the loan, either before theloan is closed or as part of its quality control program.
I/We authorize you to provide Lender and to any Investor to whom Lender may sell my/our mortgage, any and all informationand documentation that they request. Such information includes, but is not limited to, employment history and income, bank,money market, and similar account balances, credit history, and copies of income tax returns.
A Copy of this authorization may be accepted as an original.
Your prompt reply to Lender or the Investor that purchased the mortgage is appreciated.
1.
2.
3.
4.
5.
(Borrower's Signature) (Date)
(Borrower's Signature) (Date)
(Borrower's Signature) (Date)
(Date)(Borrower's Signature)
Right of Financial Privacy Act of 1978 : This information is to be used by the lender collecting it, and its assignees, indetermining whether you qualify as a prospective mortgagor under its program.
HUD/FHA and the Department of Veteran Affairs have a right of access to financial records held by financial institutions inconnection with the consideration or administration of assistance to you. Financial records involving your transaction will beavailable to these agencies without further notice or authorization but will not be disclosed or released by this institution toanother Government Agency or Department without your consent except as required or permitted by law.
Fair Credit Reporting Act of 1970 : It is understood that, pursuant to this Act, Section 606(b), I/we am/are entitled to suchinformation given by any Credit Reporting Agency within 60 days of written demand made to the Credit Reporting Agency.
Colonial National Mortgage, a division of Colonial Savings, F.A.
Solomon Z Foshko
Amy Z Foshko
01/28/2010 02:52:27 PM 115C1 896882
1717 W. 6th Street Suite 110 RAustin,TX. 78703
Borrower's Certification & AuthorizationLender :
I/We have applied for a mortgage loan from the Lender above. In applying for the loan, I/We completed a loan applicationcontaining various information for the purpose of the loan, the amount and source of the downpayment, employment and incomeinformation, and assets and liabilities. I/We certify that all of the information is true and complete. I/We have made nomisrepresentations in the loan application or other documents, nor did I/we omit any pertinent information.
I agree to cooperate with the Lender and/or its agent or assigns to the extent necessary to accomplish this review. It isunderstood that the information may be verified with third parties such as employers, depository institutions or a credit reportingagency.
Lender or any investor that purchases the mortgage may address this authorization to any party named in the loanapplication.
The information requested in this form is authorized by Title 38 USC, Chapter 37, if VA; by 12 USC, Section 1701 et seq., ifFHA; by 42 USC, Section 1452b if HUD/CPD.
Borrower's Certification and AuthorizationF_BCA1.UFF (09/2000)
Loan # 896882
By signing below , I/w e acknow ledge receiving a copy of this disclosure.
Applicant Date
Applicant
Property Address
ApplicantDate
Date
Date
SERVICING DISCLOSURE STATEMENT
The loan for w hich you have applied w ill be serviced at this f inancial institution and w e do not intendto sell, transfer, or assign the servicing of the loan.
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED.
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law . This statement describes w hetherthe servicing for this loan may be transferred to a different loan servicer. " Servicing" refers to collectingyour principal, interest, and escrow payments, if any, as w ell as sending any monthly or annual statements,tracking account balances, and handling other aspects of your loan. You w ill be given advance notice beforea transfer occurs.
Servicing Transfer Information
We may assign, sell, or transfer the servicing of your loan w hile the loan is outstanding.
We do not service mortgage loans of the type for w hich you applied. We intend to assign, sell, ortransfer the servicing of your mortgage loan before the first payment is due.
Lender
Applicant
Loan Number
Borrow er
Servicing Disclosure StatementVMP552R (0812).00Wolters Kluw er Financial Services 2005, 2008 Page 1 of 1
VMP
Date
896882
9211 Sautelle Lane, Austin, TX 78749
Solomon Z Foshko Amy Z Foshko
January 28, 2010
896882
Colonial National Mortgage, a division ofColonial Savings, F.A.
2626 West Freeway Fort Worth, TX. 76102
Solomon Z Foshko Amy Z Foshko
In your letter, give us the following information:
-122 (0004) VMP MORTGAGE FORMS - (800)521-7291 12/93
Borrower
You have the right to a copy of the appraisal report used in connection with your application for credit. If youwish a copy, please write to us at the mailing address we have provided. We must hear from you no laterthan 90 days after we notify you about the action taken on your credit application or you withdraw yourapplication.
Contact:Lender/Broker:Address:
Telephone:
Date
APPRAISAL DISCLOSURE
Date
Borrower Date
Lender:
Date:
Borrow er Name(s):
Property Address:
Date
Borrower
Borrower
Borrower Date DateBorrower
Borrower Date DateBorrower
896882
P.O. Box 2988
800-937-6002
Customer Service
Fort Worth, Tx. 76113
01/28/2010
5604 SW Parkway, Apt. #1933 Austin, TX 78735
9211 Sautelle LaneAustin, TX 78749
Solomon Z Foshko Amy Z Foshko
Solomon Z Foshko
1000 Heritage Center CircleRound Rock, TX. 78664
Colonial Savings
01/28/2010 02:52:27 PM 115C1 896882
Colonial National Mortgage, a division of Colonial Savings,F.A.
INTEREST RATE AGREEMENT
TO: AGREEMENT DATE:
APPLICATION DATE:
PROPERTY ADDRESS:
LOAN PURPOSE: REFINANCE PURCHASE
BOX A OR BOX B MUST BE MARKED
A. FLOAT: INTEREST RATE AND DISCOUNT POINTS ARE NOT LOCKED-IN1. Interest rate and discount points may be locked-in between the hours of 9:00 a.m. and 4:00 p.m. CST on anybusiness day up to 60 calendar days before my scheduled closing date by delivering to the Lender an InterestRate Agreement fully executed and subject to Lender's lock-in policy in effect at that time.
2. It is understood that any special loan program, rates and fees available at the time of application may nolonger be available when I am ready to lock-in my rate and fee.
3. In the event I do not lock-in prior to loan approval and scheduled closing, I will be called by the Lender, andquoted the available rate(s) and fees for the program under which I was approved.
B. LOCKED-IN: THE INTEREST RATE AND DISCOUNT POINTS ARE LOCKED-IN FOR A SPECIFIEDPERIOD OF TIME ON A SPECIFIC LOAN PROGRAM
FHA VA CONVENTIONAL
LOAN AMOUNT $
Fixed Rate Fixed Rate Buydown Balloon ARM **
Program Commitment # Interest RateDiscount Points Origination Fee (Points)
2. EXPIRATION OF LOCK-IN: If this loan does not close and fund within the lock-in period, the Lender, may, atits sole option, though it has no obligation to do so, offer me a lock-in of interest rates and discount points for 10calendar days (13 days for refinances) during which this loan must close and fund. The relock shall never be at abetter rate and fee than the original lock. It is understood that special programs may no longer be available uponexpiration of the lock.
LOCK-IN FEES
Extended lock-in periodLock-in of Refinance at time of applicationOther:
This is neither a commitment fee nor a loan approval fee. It is consideration solely for the purpose of obtaining alocked-in rate outside of our normal rules. The loan, if approved, must close and fund within the lock-in periodnoted in this agreement or the same relock rules as noted in B-2 above.
The lock in fee is: non-refundable (See item 5, page 2)refundable only if loan is declinedapplicable at closing
SPECIAL CREDIT UNION NOTICE
If this box is marked, this is a Credit Union Loan on which the interest rate is established by the Credit Union.Should the Credit Union reject my loan for any reason after the Lender has approved my loan, the Lender willoffer me a loan under one of its own programs at the then current rate for the selected program.
NOTICES TO BORROWERS(SEE ATTACHED PAGE 2)
Page 1 of 2
Borrower (s) initials
Solomon Z Foshko Amy Z Foshko
01/28/2010 02:52:27 PM 115C1 896882
01/28/2010
01/28/10
299,250.00
Austin, TX 787355604 SW Parkway, Apt. 1933
9211 Sautelle LaneAustin TX 78749
If this box is marked, a fee in the amount of $0.00 has been paid for one of the special lock-in considerations listed below:
** Please refer to the ARM program description given to you at application to understand how the interest rate isdetermined.
1. I wish to lock-in an interest rate and discount points as noted below for a period expiring at midnight on . This period of time is referred to in this Agreement as the "lock-in period". I understand my loan must close andfund within this lock-in period in order for this locked-in rate to be effective.
THIS IS NOT A FIRM COMMITMENT TO MAKE A LOAN AND IS NOT A LOAN APPROVAL. YOUR APPLICATION, CREDIT,AND PROPERTY MUST MEET THE REQUIREMENTS OF THE UNDERWRITING DEPARTMENT OF THE LENDER, AND: FORCONVENTIONAL LOANS - IT'S PRIVATE INVESTORS AND MORTGAGE INSURANCE COMPANY; FOR FHA LOANS - THEFEDERAL HOUSING ADMINISTRATION & GNMA (GOVERNMENT NATIONAL MORTGAGE ASSOCIATION) AND FOR VALOANS - THE DEPARTMENT OF VETERANS AFFAIRS.
THIS LOCK-IN MAY NOT BE TRANSFERRED TO ANOTHER PROPERTY NOR TO ANOTHER BORROWER / APPLICANT.
THIS LOCK-IN MAY BE TERMINATED BY THE LENDER IF YOU CHANGE ANY OF THE TERMS OF THE LOAN APPLICATION.
THIS LOCK-IN IS VOID IF THE LOAN IS NOT CLOSED AND FUNDED BY THE EXPIRATION DATE OF THE LOCK-IN PERIOD.
IF A FEE WAS PAID FOR A 90 OR 120 DAY INTEREST RATE LOCK-IN, THE FEE IS NEITHER REFUNDABLE (EVEN IF THELOAN IS CANCELLED OR NOT APPROVED) NOR CAN IT BE APPLIED TO ANY OTHER FEE. IT IS CONSIDERATION PAIDTO RESERVE AN INTEREST RATE BEYOND OUR NORMAL TERMS.
NO GUARANTEE CAN BE MADE THAT YOUR LOAN WILL BE APPROVED OR THAT LOAN SETTLEMENT WILL BECOMPLETED PRIOR TO THE EXPIRATION OF THE LOCK-IN PERIOD. LENDER RELIES ON INFORMATION PROVIDED BYYOU AND VARIOUS SETTLEMENT SERVICE PROVIDERS INCLUDING BUT NOT LIMITED TO APPRAISERS, TITLECOMPANIES, CLOSING AGENTS, SURVEYORS AND INSPECTION COMPANIES OVER WHOM LENDER HAS NO CONTROL.LENDER IS NOT RESPONSIBLE FOR DELAYS RESULTING FROM YOUR FAILURE OR THE FAILURE OF ANY VARIOUSSETTLEMENT SERVICE PROVIDERS TO SUPPLY REQUIRED DOCUMENTATION. LENDER IS NOT RESPONSIBLE FORDELAYS RESULTING FROM WAR, CIVIL UNREST, WEATHER-RELATED DELAYS SUCH AS HURRICANE, TORNADO,EARTHQUAKE OR OTHER "ACTS OF GOD".
THIS LOCK WILL BE NULL AND VOID UPON ANY OF THE FOLLOWING: (1) FHA LOANS: THE TERMINATION FOR ANYREASON OF FHA'S AUTHORITY TO ISSUE COMMITMENTS OR INSURANCE CERTIFICATES FOR THE FHA PROGRAMUNDER WHICH YOU HAVE APPLIED OR THE TERMINATION FOR ANY REASON OF GNMA'S ABILITY TO GUARANTEESECURITIES CONTAINING THE PROGRAM UNDER WHICH YOU HAVE APPLIED; (2) FNMA AND OR FHLMCCONVENTIONAL LOAN: THE TERMINATION FOR ANY REASON OF THE FEDERAL NATIONAL MORTGAGEASSOCIATION'S [FNMA] OR FEDERAL HOME LOAN MORTGAGE CORPORATIONS' [FHLMC] ABILITY TO PURCHASE ORSECURE A LOAN UNDER THE PROGRAM FOR WHICH YOU HAVE APPLIED; (3) VA LOAN: THE DEPARTMENT OFVETERANS AFFAIRS AUTHORITY TO ISSUE COMMITMENTS OR INSURANCE CERTIFICATES FOR THE VA PROGRAMUNDER WHICH YOU HAVE APPLIED; OR THE TERMINATION FOR ANY REASON OF GNMA'S ABILITY TO GUARANTEESECURITIES CONTAINING THE PROGRAM UNDER WHICH YOU HAVE APPLIED; (4) PRIVATE INVESTOR CONVENTIONALLOAN: THE TERMINATION FOR ANY REASON OF THE PRIVATE INVESTOR'S ABILITY TO PURCHASE A LOAN UNDER THEPROGRAM FOR WHICH YOU HAVE APPLIED. SHOULD YOUR LOAN BE AFFECTED BY ONE OF THESE INSTANCES, THELENDER MAY TRANSFER YOUR LOAN APPLICATION TO A SIMILAR PROGRAM [IF ONE IS AVAILABLE] AT THE THENCURRENT RATE AND FEES FOR THE SELECTED PROGRAM.
PLEASE REFER TO THE GOOD FAITH ESTIMATE AND YOUR REAL ESTATE CONTRACT FOR OTHER CLOSING COSTS TOBE INCURRED.
REFINANCE LOANS REQUIRE A MANDATORY THREE [3] DAY RIGHT OF RESCISSION WHICH DELAYS FUNDING THREEWORKING DAYS [ALL DAYS EXCEPT SUNDAY AND FEDERAL HOLIDAYS] FROM THE DAY OF CLOSING. REFINANCELOANS MUST FUND WITHIN THEIR LOCK-IN PERIOD.
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PREPARED BY: Date:
BY SIGNING THIS FORM I WARRANT I FULLY UNDERSTAND AND ACCEPT THE TERMS SET FORTH HEREIN. NOTE: ONLYONE BORROWER'S SIGNATURE IS REQUIRED TO MAKE THIS AGREEMENT BINDING.
Borrower Date
Co-Borrower Date
Date
Date
Co-Borrower
Co-Borrower
Page 2 of 201/28/2010 02:52:27 PM 115C1 896882
Lisa Lewis 01/28/2010
Solomon Z Foshko
Amy Z Foshko
Interest Rate AgreementF_IRA2.UFF (12/2000
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEWACCOUNT OR REQUESTING A LOAN
To help the government fight the funding of terrorism and money launderingactivities, Federal law requires all financial institutions to obtain, verify, andrecord information that identifies each person who opens an account orrequests a loan.
What this means for you: When you open an account, we will ask for yourname, address, date of birth, and other information that will allow us to identifyyou. We may also ask to see your driver's license or other identifyingdocuments.
IMPORTANT APPLICANT INFORMATIONLender:
Date:
Borrow er Name(s):
Property Address:
DateDate Borrow er
DateBorrow er
DateBorrow er
DateBorrow er
Borrow er
DateBorrow er
DateBorrow er
DateBorrow er
896882
Colonial National Mortgage, a division of Colonial Savings,F.A.
1000 Heritage Center Circle
01/28/2010
Solomon Z Foshko Amy Z Foshko
Solomon Z FoshkoAmy Z Foshko
Round Rock, TX. 78664
9211 Sautelle LaneAustin, TX 78749
Date: Loan #:
Applicant:
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 agencydistributed to users and the lender used in connection with your home loan, and the key factors affecting your credit score.
The credit score is a computer generated summary calculated at the time of the request and based on information that a consumerreporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores areimportant because they are used to assist the lender in determining whether you will obtain a loan. They may also be used todetermine 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 informationthat 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 reportingagency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated thecredit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable toprovide you with specific reasons of the decision on a loan application. The name, address and telephone number of the creditreporting agencies providing data are:
CREDIT SCORE DISCLOSURE A credit score was obtained in connection with your application for a home loan. The credit score is a computer-generatedsummary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. Thescores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assistthe lender in determining where you will obtain a loan. They may also be used to determine what interest rate you may be offered onthe mortgage. Credit scores can change over time depending on your conduct, how your credit history and payment pattern changed,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 informationthat is being furnished to make sure it is accurate. Credit report may vary from one company to another.
Beacon
Factors
Fair Isaac
Factors
Empirica
Factors
Credit Score Notice and Disclosuref_csnad.uff (2004/11)
The following factors are what affected your credit scores:
Foshko, Solomon Z
01/28/2010 896882
Your scores are: 0 0 0 . These scores were created on by the consumer reporting agencies listed above. The scores range from alow of 350 to a high score of 850.
Date: Loan #:
Applicant:
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 agencydistributed to users and the lender used in connection with your home loan, and the key factors affecting your credit score.
The credit score is a computer generated summary calculated at the time of the request and based on information that a consumerreporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores areimportant because they are used to assist the lender in determining whether you will obtain a loan. They may also be used todetermine 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 informationthat 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 reportingagency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated thecredit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable toprovide you with specific reasons of the decision on a loan application. The name, address and telephone number of the creditreporting agencies providing data are:
CREDIT SCORE DISCLOSURE A credit score was obtained in connection with your application for a home loan. The credit score is a computer-generatedsummary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. Thescores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assistthe lender in determining where you will obtain a loan. They may also be used to determine what interest rate you may be offered onthe mortgage. Credit scores can change over time depending on your conduct, how your credit history and payment pattern changed,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 informationthat is being furnished to make sure it is accurate. Credit report may vary from one company to another.
Beacon
Factors
Fair Isaac
Factors
Empirica
Factors
Credit Score Notice and Disclosuref_csnad.uff (2004/11)
The following factors are what affected your credit scores:
Foshko, Amy Z
01/28/2010 896882
Your scores are: 0 0 0 . These scores were created on by the consumer reporting agencies listed above. The scores range from alow of 350 to a high score of 850.
LOAN PARAMETERSAPPLICANT(S):
PROPERTY:
LOAN PURPOSE:LOAN TYPE:
SALES PRICE:APPRAISED VALUE:BASE LOAN AMOUNT:
Congratulations, we've approved your mortgage loan application! Our approval of your application is subject to theterms and conditions set forth below:
Sincerely,
GROSS LOAN AMOUNT
: Phone: Fax
NOTICE OF PRELIMINARY LOAN APPROVAL
Colonial National Mortgage, a division of Colonial Savings, F.A.
1. This specific approval is valid until 02/04/2010 , provided that you satisfy the terms and conditions within this letter, and that those terms and conditions are satisfied through loan closing.
2. This specific approval is based upon information you provided in your application, including but not limited to your employment,your assets, and your income and liabilities. If any of these items change during the process, Colonial National Mortgage, a division of Colonial Savings, F.A. (Lender) at its option may declare this approval null and void.
3. This specific approval is based on the Loan Parameters described above. If any of these items change during the process, Lender, at its option may declare this approval null and void.
4. In addition to the above parameters, this specific approval is based on an interest rate of 4.875 % per year. This is the maximum rate for which this approval is valid. However, Lender is not guaranteeing you this rate by virtue of this Notice of Loan Approval. Your interest rate will be based on a written LOCK AGREEMENT either previously executed by you and the Lender or to be executed by you and the Lender prior to closing.
5. This specific approval is subject to the documentation requirements specified in the DOCUMENT REQUEST LETTER attached to this letter or included as part of the application package. Additional document requirements may result from review of those provided initially. This specific approval is subject to any additional document requirements deemed necessary by employees of the Lender or any subsequent lender or investor. This may include the sale of your present home if you own a home now, or the payoff of certain debts in order to qualify for the loan. Your Loan Officer or Processor will confirm either.
6. This specific approval is contingent upon receipt of a Property Appraisal considered satisfactory by the Lender. An Appraiser who is currently licensed in the state in which your property is or will be located, and who is considered satisfactory by the Lender must perform the Appraisal. If you are buying a home, the value assigned by the Appraiser must not be less than the Sales Price of the property. If your are refinancing a loan or obtaining an equity loan, and a Property Appraisal is required, the value assigned by the Appraiser must support the transaction under the current lending guidelines of the Lender and those of any state or federal agency.
7. The economic terms of your loan, including the interest rate and discount points if any, and their duration have been or will be established in writing in the LOCK AGREEMENT both you and the Lender have executed or will execute prior to closing.
8. You, or your Insurance Agent or Realtor® on your behalf, must provide evidence of Hazard Insurance Coverage on the Property which this loan secures. In addition to meeting your requirements, the Coverage must conform to standards required by the Lender and the mortgage industry as a whole. Check with your Insurance Agent.
Customer Notice of Loan ApprovalF_NLA-1.UFF (12/2000)
You have applied for a Conventional loan. If FNMA, FHLMC, or any Private Investor for whom your loan application has specifically been approved, has their authority to purchase or securitize loans suspended or terminated, then Colonial National Mortgage, a division of Colonial Savings, F.A. may at its option declare this approval null and voi
Colonial National Mortgage, a division of Colonial Savings, F.A. 's obligation to extend you a mortgage loan is conditioned upon your satisfying various pre-conditions, including without limitation those set forth above as well as other conditions which arecustomary in closing a residential mortgage loan. If you have any questions, feel free to contact me by any one of the methodsindicated below. Thanks, and again, CONGRATULATIONS!
Thanks again for applying with us for your mortgage loan! We look forward to serving you during both the processing ofyour loan AND during the years of home ownership to come.
Property & Loan Information
Applicant Documentation
Please Contact:
Phone:Fax:
Document Request Letter
01/28/2010 02:52:27 PM 115C1 896882
Colonial National Mortgage, a division of Colonial Savings, F.A.
In order for us to make a final, formal loan decision, we will need from you the documents listed below. If ORIGINALSare requested, WE will make the copies for our file and return the originals to you. This information must be returned tous by 02/04/2010 .
Date : 01/28/2010 RE : Loan Number : 896882
Dear Solomon Z Foshko ,
Document Request LetterF_DRL1.UFF (01/2001)
Sincerely,
Remember, I'm Teri Hall and you can contact me or Lisa Lewis , your Loan Officer, regarding this request, or any part of the loan process, using one of the means below. We value you and the opportunity to be of service to you!
Important Information about Procedures for Openinga New Loan or Deposit Account
Compliance with the USA Patriot ActEffective October 1, 2003
To help the government fight the funding of terrorism and money laundering activities, FederalLaw requires all financial institution to obtain, verify, and record information that identifies eachperson who opens an account.
What that means to you: When you open an account, we will ask you for your main address,date of birth, and other information that will allow us to identify you. We may also ask to seeyour driver's license or other identifying documents.
Thank you for the opportunity to be of service.
Member SAIF, FDIC Insured
Colonial National Mortgage,a division of Colonial Savings, F.A.
PROPERTY ADDRESS:
AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT
Set forth below is an estimated charge or range of charges for the settlement services listed. However, you areNOT required to use the other listed providers as a condition for the settlement of your loan on the subjectproperty. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITHSIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARERECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
COLONIAL SAVINGS, F.A.
Estimated Charge or Range of Charges
$150-$1600 per year for homeownersinsurance; (varies by state and amountand type of coverage obtained). Higheramounts may apply for large or high costproperties or optional coverage.
ServiceProvider
$150-$1600 per year for homeownersinsurance. Higher amounts may apply forlarge or high cost properties or optionalcoverage.
$150-$10,000 (varies by state, propertyvalue and loan amount). Higher amountsmay apply for high cost properties, largeloan amounts or optional coverage.
Lender, or its assigns, may, directly orthrough an affiliated company, enter intoa risk sharing or guaranty agreement withthe insurance company that will beproviding mortgage insurance coveringyour loan. Under such an agreement, theCompany may share in the risk orguarantee associated with such mortgageinsurance and may receive a risk sharingpremium with guaranty fee. Theagreement will not increase the mortgageinsurance premium you pay or increasethe period for which mortgage insuranceis required
Prices may vary depending on serviceprovided. Fee is estimated on Good FaithEstimate.
I/We have read this disclosure form, as acknowledged by my/our signature below, and understand that the Lenderis referring me/us to purchase the above-described settlement services and may receive a financial or other benefitas a result of this referral.
Hazard InsuranceColonial Lloyds
Hazard Insurance AgentDuBose & Associates
Title Insurance and Closing ServicesFirst Western Title Co.
This is to give you notice that Colonial National Mortgage, a division of Colonial Savings, F.A. ("the Lender") hasa business relationship with the service providers listed below. The Lender and the providers listed below areunder common control of the same corporate parent. Because of this relationship, this referral may provide theLender a financial or other benefit.
DATE: January 28, 2010BORROWER: Solomon Z Foshko & Amy Z FoshkoLOAN #: 896882
Form SSA-89 Form ApprovedOMB #0960-0760
Social Security AdministrationAuthorization for the Social Security Administration (SSA)
To ReleaseSocial Security Number (SSN) Verification
I am conducting the following transaction Seeking a Mortgage with the following Company:
Name:
Address:
I authorize the Social Security Administration to verify my name and SSN to the Company and/or the Company's Agent, ifapplicable, for the purpose I identified.
The name and address of the Company's Agent is: Rapid Reporting Verification Company, 6628 Bryant Irvin Rd. Fort Worth, Texas76132.
I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under thepenalty of perjury that the information contained herein is true and correct. I acknowledge that if I make any representation that Iknow is false to obtain information from Social Security records, I could be found guilty of a misdemeanor and fined up to $5,000.
This consent is valid only for 90 days from the date signed, unless indicated otherwise by the individual named above.If you wish to change the time frame, fill in the following:
This consent is valid for __________ days from the date signed. ______________ (Please Initial.)
Signature ________________________________________________________________ Date Signed _____________________
Contact Information of Individual signing authorization:
Phone Number _______________________________________
Form SSA-89 (8/15/2008)
Paperwork Reduction Act Statement - This information collection meets the requirements of 44 U.S.C. & 3507, as amended bysection 2 of the Paperwork Reduction Act of 1995. You do not need to answer these questions unless we display a validOffice of Management and Budget control number. We estimate that it will take about 3 minutes to complete the form. Youmay send comments on our time estimate above to: SSA, 6401 Security Blvd., Baltimore, MD 21235-6401. Send to thisaddress only comments relating to our estimate, not the completed form.
......................................................................... TEAR OFF ..........................................................................NOTICE TO NUMBER HOLDER
The Company and/or its Agent have entered into an agreement with SSA that, among other things, includes restrictions on the furtheruse and disclosure of SSA's verification of your SSN. To view a copy of the entire model agreement, visithttp://www.ssa.gov/bso/cbsvPDF/agreement.pdf
Colonial National Mortgage, a division of Colonial Savings, F.A.
1717 W. 6th Street Suite 110 R Austin,TX. 78703
Printed Name Solomon Foshko Date of Birth 06/14/1983 SSN 640-14-0703
Form SSA-89 Form ApprovedOMB #0960-0760
Social Security AdministrationAuthorization for the Social Security Administration (SSA)
To ReleaseSocial Security Number (SSN) Verification
I am conducting the following transaction Seeking a Mortgage with the following Company:
Name:
Address:
I authorize the Social Security Administration to verify my name and SSN to the Company and/or the Company's Agent, ifapplicable, for the purpose I identified.
The name and address of the Company's Agent is: Rapid Reporting Verification Company, 6628 Bryant Irvin Rd. Fort Worth, Texas76132.
I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under thepenalty of perjury that the information contained herein is true and correct. I acknowledge that if I make any representation that Iknow is false to obtain information from Social Security records, I could be found guilty of a misdemeanor and fined up to $5,000.
This consent is valid only for 90 days from the date signed, unless indicated otherwise by the individual named above.If you wish to change the time frame, fill in the following:
This consent is valid for __________ days from the date signed. ______________ (Please Initial.)
Signature ________________________________________________________________ Date Signed _____________________
Contact Information of Individual signing authorization:
Phone Number _______________________________________
Form SSA-89 (8/15/2008)
Paperwork Reduction Act Statement - This information collection meets the requirements of 44 U.S.C. & 3507, as amended bysection 2 of the Paperwork Reduction Act of 1995. You do not need to answer these questions unless we display a validOffice of Management and Budget control number. We estimate that it will take about 3 minutes to complete the form. Youmay send comments on our time estimate above to: SSA, 6401 Security Blvd., Baltimore, MD 21235-6401. Send to thisaddress only comments relating to our estimate, not the completed form.
......................................................................... TEAR OFF ..........................................................................NOTICE TO NUMBER HOLDER
The Company and/or its Agent have entered into an agreement with SSA that, among other things, includes restrictions on the furtheruse and disclosure of SSA's verification of your SSN. To view a copy of the entire model agreement, visithttp://www.ssa.gov/bso/cbsvPDF/agreement.pdf
Colonial National Mortgage, a division of Colonial Savings, F.A.
1717 W. 6th Street Suite 110 R Austin,TX. 78703
Printed Name Amy Foshko Date of Birth SSN 457-67-4114
Request for Transcript of Tax Return
OMB No. 1545-1872
Account Transcript, w hich contains information on the financial status of the account, such as payments made on the account,penalty assessments, and adjustments made by you or the IRS after the return w as filed. Return information is limited to itemssuch as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests w ill be
If a joint return, enter spouse' s name show n on tax return
1b First social security number on tax return oremployer identification number (see instructions)
2b Second social security number if joint tax return
Request for Transcript of Tax Return
Cat. No. 37667N
Current name, address (including apt., room, or suite no.), city, state, and ZIP code
Previous address show n on the last return filed if different from line 3
line was blank at the time of signature.Request may be rejected if the form is incomplete, illegible, or any required
Do not sign this form unless all applicable lines have been completed.Read the instructions on page 2.
Signature of taxpayer(s). I declare that I am either the taxpayer w hose name is show n on line 1a or 2a, or a person authorized to obtain thetax information requested. If the request applies to a joint return, either husband or w ife must sign. If signed by a corporate officer, partner,guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authorityto execute Form 4506-T on behalf of the taxpayer.
Name show n on tax return. If a joint return, enter the name show n first.1a
2a
3
4
Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below . Enter only one taxform number per request.
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form1099 filed w ith your return, you must use Form 4506 and request a copy of your return, w hich includes all attachments.
5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party' s name, address,and telephone number. The IRS has no control over w hat the third party does w ith the tax information.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than fouryears or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you mustenter each quarter or tax period separately.
a
Telephone number of taxpayer online 1a or 2a
processed w ithin 10 business days
Return Transcript, w hich includes most of the line items of a tax return as filed w ith the IRS. Transcripts are only available for thefollow ing returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Returntranscripts are available for the current year and returns processed during the prior 3 processing years. Most requests w ill be
Most requests w ill be processed w ithin 45 days
SignHere Title (if line 1a above is a corporat ion, partnership, estate, or t rust)
DateSpouse's signature
Signature (see instruct ions) Date
Form 4506-T (Rev. 1-2008)
6
Department of the TreasuryInternal Revenue Service
Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below . You can also call1-800-829-1040 to order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee toget a copy of your return.
Form(Rev. January 2008)
4506-T
7and 3 prior tax years. Most requests w ill be processed w ithin 30 calendar days
processed w ithin 30 calendar daysc
Verification of Nonfiling, w hich is proof from the IRS that you did not f ile a return for the year. Most requests w ill be processedw ithin 10 business days
8
Record of Account, w hich is a combination of line item information and later adjustments to the account. Available for current year
b
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includesdata from these information returns. State or local information is not included w ith the Form W-2 information. The IRS may be ableto provide this transcript information for up to 10 years. Information for the current year is generally not available until the yearafter it is f iled w ith the IRS. For example, W-2 information for 2006, f iled in 2007, w ill not be available from the IRS until 2008. Ifyou need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213.
VMP9045T (0803).00
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Bankers SystemsWolters Kluwer Financial Services Page 1 of 2VMP
Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506-T, and lines 6 and 9 are blank.
5604 SW Parkway, Apt. 1933 Austin, TX 78735
Solomon Z Foshko 640-14-0703
896882
896882
Solomon Z Foshko
Where to file. Mail or fax Form 4506-T tothe address below for the state you lived in,or the state your business w as in, w henthat return w as filed. There are tw o addresscharts: one for individual transcripts (Form1040 series and Form W-2) and one for allother transcripts.
Chart for all other transcriptsPurpose of form. Use Form 4506-T torequest tax return information. You can alsodesignate a third party to receive theinformation. See line 5.
If you are requesting more than onetranscript or other product and the chartbelow show s tw o different RAIVS teams,send your request to the team based on theaddress of your most recent return.
RAIVS TeamP.O. Box 9941Mail Stop 6734Ogden, UT 84409
Line 1b. Enter your employer identif icationnumber (EIN) if your request relates to abusiness return. Otherw ise, enter the firstsocial security number (SSN) show n on thereturn. For example, if you are requestingForm 1040 that includes Schedule C (Form1040), enter your SSN.
Signature and date. Form 4506-T must besigned and dated by the taxpayer listed online 1a or 2a. If you completed line 5requesting the information be sent to a thirdparty, the IRS must receive Form 4506-Tw ithin 60 days of the date signed by thetaxpayer or it w ill be rejected.
Individuals. Transcripts of jointly f iled taxreturns may be furnished to either spouse.Only one signature is required. Sign Form4506-T exactly as your name appeared onthe original return. If you changed yourname, also sign your current name.
Corporations. Generally, Form 4506-T canbe signed by: (1) an officer having legalauthority to bind the corporation, (2) anyperson designated by the board of directorsor other governing body, or (3) any officer oremployee on w ritten request by any principaloff icer and attested to by the secretary orother off icer.
Partnerships. Generally, Form 4506-Tcan be signed by any person w ho w as amember of the partnership during any partof the tax period requested on line 9.
All others. See Internal Revenue Codesection 6103(e) if the taxpayer has died, isinsolvent, is a dissolved corporation, or if atrustee, guardian, executor, receiver, oradministrator is acting for the taxpayer.Documentation. For entit ies other thanindividuals, you must attach theauthorization document. For example, thiscould be the letter from the principaloff icer authorizing an employee of thecorporation or the Letters Testamentaryauthorizing an individual to act for anestate.
Privacy Act and Paperwork Reduction ActNotice. We ask for the information on thisform to establish your right to gain accessto the requested tax information under theInternal Revenue Code. We need thisinformation to properly identify the taxinformation and respond to your request.Sections 6103 and 6109 require you toprovide this information, including yourSSN or EIN. If you do not provide thisinformation, w e may not be able toprocess your request. Providing false orfraudulent information may subject you topenalties.
You are not required to provide theinformation requested on a form that issubject to the Paperw ork Reduction Actunless the form displays a valid OMBcontrol number. Books or records relatingto a form or its instructions must beretained as long as their contents maybecome material in the administration ofany Internal Revenue law . Generally, taxreturns and return information areconfidential, as required by section 6103.
Page 2Form 4506-T (Rev. 11-2005)
801-620-6922
Tip. Use Form 4506, Request for Copy ofTax Return, to request copies of taxreturns.
General Instructions
If you have comments concerning theaccuracy of these time estimates orsuggestions for making Form 4506-Tsimpler, w e w ould be happy to hear fromyou. You can w rite to the Internal RevenueService, Tax Products CoordinatingCommittee, SE:W:CAR:MP:T:T:SP, 1111Constitution Ave. NW, IR-6526,Washington, DC 20224. Do not send theform to this address. Instead, see Where tofile on this page.
Line 6. Enter only one tax form number perrequest.
Routine uses of this information includegiving it to the Department of Justice forcivil and criminal lit igation, and cit ies,states, and the District of Columbia for usein administering their tax law s. We mayalso disclose this information to othercountries under a tax treaty, to federal andstate agencies to enforce federal nontaxcriminal law s, or to federal lawenforcement and intelligence agencies tocombat terrorism.
RAIVS TeamStop 6705-B41 Kansas City, MO 64999
Request for Transcript of Tax Return
Init ials:VMP9045T (0803).00VMP
Wolters Kluwer Financial Services Page 2 of 2Bankers Systems
Chart for individual transcripts (Form 1040 series and Form W-2)
Mail or fax to the "Internal RevenueService" at:
Note: You can also call 1-800-829-1040 torequest a transcript or get moreinformation.
RAIVS TeamStop 6716 AUSC Austin, TX 73301
If you filed anindividual return and lived in:District of Columbia,Maine, Maryland,Massachusetts,New Hampshire,New York, Vermont
RAIVS TeamPO Box 47-421Stop 91 Doraville, GA 30362
Alabama, Delaw are,Florida, Georgia,North Carolina,Rhode Island, South Carolina,Virginia
The time needed to complete and fileForm 4506-T w ill vary depending onindividual circumstances. The estimatedaverage time is: Learning about the law orthe form, 10 min.; Preparing the form, 12min.; and Copying, assembling, andsending the form to the IRS, 20 min.
859-669-3592
Request for Transcript of Tax Return
OMB No. 1545-1872
Account Transcript, w hich contains information on the financial status of the account, such as payments made on the account,penalty assessments, and adjustments made by you or the IRS after the return w as filed. Return information is limited to itemssuch as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests w ill be
If a joint return, enter spouse' s name show n on tax return
1b First social security number on tax return oremployer identification number (see instructions)
2b Second social security number if joint tax return
Request for Transcript of Tax Return
Cat. No. 37667N
Current name, address (including apt., room, or suite no.), city, state, and ZIP code
Previous address show n on the last return filed if different from line 3
line was blank at the time of signature.Request may be rejected if the form is incomplete, illegible, or any required
Do not sign this form unless all applicable lines have been completed.Read the instructions on page 2.
Signature of taxpayer(s). I declare that I am either the taxpayer w hose name is show n on line 1a or 2a, or a person authorized to obtain thetax information requested. If the request applies to a joint return, either husband or w ife must sign. If signed by a corporate officer, partner,guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authorityto execute Form 4506-T on behalf of the taxpayer.
Name show n on tax return. If a joint return, enter the name show n first.1a
2a
3
4
Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below . Enter only one taxform number per request.
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form1099 filed w ith your return, you must use Form 4506 and request a copy of your return, w hich includes all attachments.
5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party' s name, address,and telephone number. The IRS has no control over w hat the third party does w ith the tax information.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than fouryears or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you mustenter each quarter or tax period separately.
a
Telephone number of taxpayer online 1a or 2a
processed w ithin 10 business days
Return Transcript, w hich includes most of the line items of a tax return as filed w ith the IRS. Transcripts are only available for thefollow ing returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Returntranscripts are available for the current year and returns processed during the prior 3 processing years. Most requests w ill be
Most requests w ill be processed w ithin 45 days
SignHere Title (if line 1a above is a corporat ion, partnership, estate, or t rust)
DateSpouse's signature
Signature (see instruct ions) Date
Form 4506-T (Rev. 1-2008)
6
Department of the TreasuryInternal Revenue Service
Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below . You can also call1-800-829-1040 to order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee toget a copy of your return.
Form(Rev. January 2008)
4506-T
7and 3 prior tax years. Most requests w ill be processed w ithin 30 calendar days
processed w ithin 30 calendar daysc
Verification of Nonfiling, w hich is proof from the IRS that you did not f ile a return for the year. Most requests w ill be processedw ithin 10 business days
8
Record of Account, w hich is a combination of line item information and later adjustments to the account. Available for current year
b
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includesdata from these information returns. State or local information is not included w ith the Form W-2 information. The IRS may be ableto provide this transcript information for up to 10 years. Information for the current year is generally not available until the yearafter it is f iled w ith the IRS. For example, W-2 information for 2006, f iled in 2007, w ill not be available from the IRS until 2008. Ifyou need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213.
VMP9045T (0803).00
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Bankers SystemsWolters Kluwer Financial Services Page 1 of 2VMP
Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506-T, and lines 6 and 9 are blank.
5604 SW Parkway, Apt. 1933 Austin, TX 78735
Amy Z Foshko 457-67-4114
896882
896882
Amy Z Foshko
Where to file. Mail or fax Form 4506-T tothe address below for the state you lived in,or the state your business w as in, w henthat return w as filed. There are tw o addresscharts: one for individual transcripts (Form1040 series and Form W-2) and one for allother transcripts.
Chart for all other transcriptsPurpose of form. Use Form 4506-T torequest tax return information. You can alsodesignate a third party to receive theinformation. See line 5.
If you are requesting more than onetranscript or other product and the chartbelow show s tw o different RAIVS teams,send your request to the team based on theaddress of your most recent return.
RAIVS TeamP.O. Box 9941Mail Stop 6734Ogden, UT 84409
Line 1b. Enter your employer identif icationnumber (EIN) if your request relates to abusiness return. Otherw ise, enter the firstsocial security number (SSN) show n on thereturn. For example, if you are requestingForm 1040 that includes Schedule C (Form1040), enter your SSN.
Signature and date. Form 4506-T must besigned and dated by the taxpayer listed online 1a or 2a. If you completed line 5requesting the information be sent to a thirdparty, the IRS must receive Form 4506-Tw ithin 60 days of the date signed by thetaxpayer or it w ill be rejected.
Individuals. Transcripts of jointly f iled taxreturns may be furnished to either spouse.Only one signature is required. Sign Form4506-T exactly as your name appeared onthe original return. If you changed yourname, also sign your current name.
Corporations. Generally, Form 4506-T canbe signed by: (1) an officer having legalauthority to bind the corporation, (2) anyperson designated by the board of directorsor other governing body, or (3) any officer oremployee on w ritten request by any principaloff icer and attested to by the secretary orother off icer.
Partnerships. Generally, Form 4506-Tcan be signed by any person w ho w as amember of the partnership during any partof the tax period requested on line 9.
All others. See Internal Revenue Codesection 6103(e) if the taxpayer has died, isinsolvent, is a dissolved corporation, or if atrustee, guardian, executor, receiver, oradministrator is acting for the taxpayer.Documentation. For entit ies other thanindividuals, you must attach theauthorization document. For example, thiscould be the letter from the principaloff icer authorizing an employee of thecorporation or the Letters Testamentaryauthorizing an individual to act for anestate.
Privacy Act and Paperwork Reduction ActNotice. We ask for the information on thisform to establish your right to gain accessto the requested tax information under theInternal Revenue Code. We need thisinformation to properly identify the taxinformation and respond to your request.Sections 6103 and 6109 require you toprovide this information, including yourSSN or EIN. If you do not provide thisinformation, w e may not be able toprocess your request. Providing false orfraudulent information may subject you topenalties.
You are not required to provide theinformation requested on a form that issubject to the Paperw ork Reduction Actunless the form displays a valid OMBcontrol number. Books or records relatingto a form or its instructions must beretained as long as their contents maybecome material in the administration ofany Internal Revenue law . Generally, taxreturns and return information areconfidential, as required by section 6103.
Page 2Form 4506-T (Rev. 11-2005)
801-620-6922
Tip. Use Form 4506, Request for Copy ofTax Return, to request copies of taxreturns.
General Instructions
If you have comments concerning theaccuracy of these time estimates orsuggestions for making Form 4506-Tsimpler, w e w ould be happy to hear fromyou. You can w rite to the Internal RevenueService, Tax Products CoordinatingCommittee, SE:W:CAR:MP:T:T:SP, 1111Constitution Ave. NW, IR-6526,Washington, DC 20224. Do not send theform to this address. Instead, see Where tofile on this page.
Line 6. Enter only one tax form number perrequest.
Routine uses of this information includegiving it to the Department of Justice forcivil and criminal lit igation, and cit ies,states, and the District of Columbia for usein administering their tax law s. We mayalso disclose this information to othercountries under a tax treaty, to federal andstate agencies to enforce federal nontaxcriminal law s, or to federal lawenforcement and intelligence agencies tocombat terrorism.
RAIVS TeamStop 6705-B41 Kansas City, MO 64999
Request for Transcript of Tax Return
Init ials:VMP9045T (0803).00VMP
Wolters Kluwer Financial Services Page 2 of 2Bankers Systems
Chart for individual transcripts (Form 1040 series and Form W-2)
Mail or fax to the "Internal RevenueService" at:
Note: You can also call 1-800-829-1040 torequest a transcript or get moreinformation.
RAIVS TeamStop 6716 AUSC Austin, TX 73301
If you filed anindividual return and lived in:District of Columbia,Maine, Maryland,Massachusetts,New Hampshire,New York, Vermont
RAIVS TeamPO Box 47-421Stop 91 Doraville, GA 30362
Alabama, Delaw are,Florida, Georgia,North Carolina,Rhode Island, South Carolina,Virginia
The time needed to complete and fileForm 4506-T w ill vary depending onindividual circumstances. The estimatedaverage time is: Learning about the law orthe form, 10 min.; Preparing the form, 12min.; and Copying, assembling, andsending the form to the IRS, 20 min.
Estimated Closing Agt/3rd Party FeesEstimated Prepaids/Reserves
LESS : Earnest Money/Lot Equity/Other PaidLESS : Paid at Application, BuyerLESS : Paid at Closing, Seller
LESS : Paid at Closing, LenderLESS :LESS : Subordinate Loan (2nd Lien)
Property TaxesHazard InsuranceMortgage InsuranceHOA Dues
801 Origination
Gross Loan Amt: $ Interest Rate : %
Total:
Mo.
Subordinate Loan Payment
All information listed above are prepared as a Summary of the loan as requested. The interest rate above if not already locked issubject to change at anytime. This summary is not a commitment to rates, terms, or fees. This is not a Good Faith EstimateDisclosure required by RESPA. Interest rates and programs are subject to change without notice.
