WELCOME TO PHASE 2 OF THE PROFESSIONAL SIGNING AGENT …€¦ · WELCOME TO PHASE 2 OF THE PROFESSIONAL SIGNING AGENT COURSE We will be covering a full set of typical Refinance loan

WELCOME TO PHASE 2 OF THE

PROFESSIONAL SIGNING AGENT COURSE

We will be covering a full set of typical Refinance loan documents in this Phase 2.

I will be guiding you through each document verbally as you

look at the documents on this web page. You are able to download and print these documents if you prefer

or have trouble reading them on your computer screen.

Pay special attention to the notes on the documents. They contain crucial information.

Before we get started with the Documents in a typical loan package, I want to address both

Acknowledgements and Jurats because these are an important part of the document signing process.

As Notaries we are called upon to notarize many different types of documents, some of which may

require us to take an Oath or Affirmation from the signer. What form we use to acknowledge that we

have witnessed the signing is directly dictated by this process.

ACKNOWLEDGMENT

The true definition of an Acknowledgment is: A formal declaration before a notary public that the

instrument presented is the free and voluntary act of the party executing it and the signatures on the

documents are genuine.

CERTIFICATE OF ACKNOWLEDGMENT

An acknowledgment must contain certain information.

i) It must contain the State and County where the document is executed.

ii) The date of execution

iii) The names of the signing party(s).

iv) It must also contain the printed name and signature of the notary public

v) The seal (stamp) of the notary public

vi) The expiration date of the notary public’s commission.

More and more states are now requiring that if an Acknowledgment is being attached to a document,

it must contain information which directly ties it to the signed document. This would include:

i) The name of the document the acknowledgment is being attached to

ii) The signers names

iii) Date of the signing

iv) If there are multiple pages the acknowledgment can be given a page number. As an

example, the document has 3 pages. The acknowledgment is being attached as the last

page, it would be marked Page 4.

v) And, of course, the acknowledgment will contain all of the required information for the

notary public

After these pages, the first documents you will see are both an Acknowledgment and a Jurat.

JURAT

A Jurat is defined as: An attached written statement of the notary public that the Oath or Affirmation

was taken before the notary public. Taking the Oath or Affirmation is an indisputable requirement

regardless of what State you are commissioned in.

TAKING THE OATH

The Oath is a promise that one is making a true and correct statement to the best of their knowledge.

How you take the Oath, whether or not you have the person taking the Oath raise their right hand or

not, or the exact wording of the Oath, is to be determined by the dictates of the Rules and Regulations

of your State. Please, before taking an Oath, learn those rules. It is imperative that you adhere to

them.

i) Ask the signer to attest to the truth of the information given.( Accuracy)

ii) Ask the signer to attest to the truthfulness of who they are. (Identity)

iii) Ask the signer to attest that they did not make any false statements (Truth)

AFFIRMATION

An Affirmation An oral or written declaration made by a person who has an objection to taking Oaths,

certifying under the penalty of perjury the declarations are true.

AFFIRMATION CONTENTS

i) They must contain the State and County where the document is executed.

ii) The date of execution

iii) The names of the signing party(s).

iv) It must also contain the printed name and signature of the notary public

v) The seal (stamp) of the notary public

vi) The expiration date of the notary public’s commission.

THE DIFFERENCE BETWEEN AN OATH AND AN AFFIRMATION

Typical Oath:

Do you solemnly swear that any statements made when signing this document are TRUE to the best of

your knowledge and belief so help me God?

Typical Affirmation:

Do you solemnly, sincerely and truly declare and affirm that the statements in this document are true

and accurate to the best of your knowledge and belief, and this you do under the penalties of perjury?

THE SEAL

On most documents there is a specific area where the State, County, Signers names, Date of signing,

Notary name and signature line are included. This is usually found at the bottom of the documents

below the signatures of the documents signers. There is also, usually, an area near the notary’s name

sufficiently large enough to contain your notary seal (stamp).

When you place your seal (stamp) in this area it must be clear, dark enough to photo copy, be

complete, and must contain the State where commissioned, the name of the Notary Public and the

word “seal” or picture of the state seal).

Don’t forget, if you fail to place your stamp on the document, the documents has not official been

notarized and will not be usable.

There are several items that must be included on the document in order to be notarized.

i) The name of the signer must be typed, printed or stamped below the signature line.

ii) The signature must match the name of the signer on the documents

iii) The printed names of any witness(s) is to be printed under their signature line

iv) And the notary’s printed name must appear below their signature line as well..

TO SEAL OR NOT TO SEAL

If you have any doubts about whether or not to seal a document remember this way:

� A document that is completed and/or signed by you as the notary, but not signed by the

document signer will not be stamped or sealed.

� A document that is signed by the document signer and you as the notary, does require your

seal.

� A document signed by the document signer but not by you as the notary will not be stamped

or sealed.

NOTARIAL ACKNOWLEDGEMENT

STATE OF ______________

COUNTY OF _____________________

On ______________________ before me, ___________________ Notary Public,

personally appeared ________________________________________________

who proved to me on the basis of satisfactory evidence to be the person(s)

whose name(s) is/are subscribed to the within instrument and acknowledged to

me that he/she/they executed the same in his/her/their authorized capacity,

and that by his/her/their signature, on the instrument, the person or entity

upon behalf of which the person acted, executed the instrument.

I certify UNDER THE PENALTY OF PERJURY under the laws of the State of

__________________ that the foregoing paragraph is true and correct.

WITNESS my hand and official seal.

Signature__________________________

DESCRIPTION OF DOCUMENT IN THIS NOTARIAL CERTIFICATE IS BEING ATTACHED TO:

Type/Title _____________________________________________

Date of Document _____________________________________________

Number of Pages _____________________________________________

Addtil Signers (other than

those named in the Notarial certificate _____________________________________________________________

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ARIZONA

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MARICOPA

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MARCH 23, 2012

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JUDITH ANDERSON

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MARVIN REYNOLDS

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XXXX

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XXX

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XXXXX

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XXX

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XXX

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ARIZONA

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NOTARY SIGNATURE

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SEAL/STAMP HERE

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NAME OF DOCUMENT THIS IS BEING ATTACHED TO

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IF THE DOCUMENTS HAS 4 PAGES, THIS WOULD BE

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PAGE #5

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IF 2 PEOPLE SIGNED THE DOCUMENT BUT YOU ONLY WITNESSED THE SIGNATURE OF ONE PERSON, THE NAME OF THE OTHER SIGNER WOULD GO IN HERE.

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PLEASE NOTE the crossouts of the are, she and they. What you cross through will be determined by the sex of the individual signing and whether or not there is more than one signer.

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STATE OF ARIZONA

COUNTY OF MARICOPA

Subscribed and sworn to (or affirmed) before me this ______ day of

_______________________________, 20____by _______________

_______________________________________________________

Proved to me on the basis of satisfactory evidence to be the person(s)

Who appeared before me.

____________________________________ (Seal)

Signature

____________________________________

Print Name and Title

28thOctober 14

Name of Signer(s) goes here

Your signature

Mary J. Black, Notary Public

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This Jurat is for use when the signer is either taking an Oath swearing to the truth or Affirming to the truth. You can use the same Jurat for both the Oath and the Affirmation

LOAN #: 111865MIN: 1001419-0000001823-3

JUNE 20, 2011 Costa Mesa, CALIFORNIA[Date] [City] [State]

123 Loan Street, Costa Mesa, CA 92626[Property Address]

$250,000.00AMERICASH, A CALIFORNIA CORPORATION.

4.000%.

1ST AUGUST 1, 2011.

JULY 1, 2026,

2955 RED HILL AVE., #200COSTA MESA, CA 92626

$1,849.22.

Initials: __________

1 3

NOTE

1. BORROWER’S PROMISE TO PAY

In return for a loan that I have received, I promise to pay U.S. (this amount is called �Principal�),plus interest, to the order of the Lender. The Lender is

I will make all payments under this Note in the form of cash, check or money order.

I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and whois entitled to receive payments under this Note is called the �Note Holder.�

2. INTEREST

Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at ayearly rate of

The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section6(B) of this Note.

3. PAYMENTS

(A) Time and Place of PaymentsI will pay principal and interest by making a payment every month.

I will make my monthly payment on the day of each month beginning onI will make these payments every month until I have paid all of the principal and interest and any other charges describedbelow that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will beapplied to interest before Principal. If, on I still owe amounts under this Note, I willpay those amounts in full on that date, which is called the �Maturity Date.�

I will make my monthly payments at

or at a different place if required by the Note Holder.

(B) Amount of Monthly PaymentsMy monthly payment will be in the amount of U.S.

4. BORROWER’S RIGHT TO PREPAY

I have the right to make payments of Principal at any time before they are due. A payment of Principal only is knownas a �Prepayment.� When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designatea payment as a Prepayment if I have not made all the monthly payments due under the Note.

I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder willuse my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may applymy Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment toreduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or inthe amount of my monthly payment unless the Note Holder agrees in writing to those changes.

5. LOAN CHARGES

If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interestor other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) anysuch loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any

MULTISTATE FIXED RATE NOTE-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3200 1/01

© 1999-2007 Online Documents, Inc. Page of F3200NOT 0701

TRANSPARENT LINE OF TEXT TO FIX SWIFTVIEW ORIENTATION PROBLEM

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This is the most important document the borrower will sign. This is the document which includes all of the terms of the loan and obligates the borrower to repay the loan. You must go over the highlighted areas with the borrower to make sure they understand the terms.

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This Note has a fixed rate of interest. If it just says "NOTE" at the top it means fixed rate. The words "fixed rate can be found at the bottom of the note in small letters. If it was another type of loan, (i.e. adjustable rate), it will state that in writing at both top and bottom of note.

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Always go over the first payment date and the last payment date. You will let the borrower know that this Note matures in 15 years and everything due on the note at the end of the 15 years will be due and payable. If all payments are made the Note will be paid off on the last day listed.

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Very important to go over the Prepayment Penalty paragraph. Most loans now do not contain prepayment penalties but some may, so read the paragraph carefully. This could have an adverse effect on the borrower.

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Marked set by Carol Ray

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Always watch every page to see if initials are required. Some signing agents have the borrowers initial every page in the package. You need to determine for yourself what is comfortable for you. Some lenders do not want the pages initialed.

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This payment includes Principal and Interest only. When you are pointing this out, be sure and say that to the borrower. Let them know if there are impounds you will let them know the full payment including "PITI" (principal, interest, taxes and insurance).

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Very important that you relate to borrower if they do or do not have a prepayment penalty on this loan. The prepayment penalty is a fee that is charged to them if they pay their loan off early or affects whether or not they can pay extra each month.

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CRITICAL DOCUMENT

LOAN #: 111865

155.000%

Initials: __________

2 3

sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may chooseto make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refundreduces Principal, the reduction will be treated as a partial Prepayment.

6. BORROWER’S FAILURE TO PAY AS REQUIRED

(A) Late Charge for Overdue PaymentsIf the Note Holder has not received the full amount of any monthly payment by the end of calendar

days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will beof my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.

(B) DefaultIf I do not pay the full amount of each monthly payment on the date it is due, I will be in default.

(C) Notice of DefaultIf I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount

by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not beenpaid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the noticeis mailed to me or delivered by other means.

(D) No Waiver By Note HolderEven if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described

above, the Note Holder will still have the right to do so if I am in default at a later time.

(E) Payment of Note Holder’s Costs and ExpensesIf the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right

to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicablelaw. Those expenses include, for example, reasonable attorneys’ fees.

7. GIVING OF NOTICES

Unless applicable law requires a different method, any notice that must be given to me under this Note will be givenby delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I givethe Note Holder a notice of my different address.

Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by firstclass mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a noticeof that different address.

8. OBLIGATIONS OF PERSONS UNDER THIS NOTE

If more than one person signs this Note, each person is fully and personally obligated to keep all of the promisesmade in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorserof this Note is also obligated to do these things. Any person who takes over these obligations, including the obligationsof a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The NoteHolder may enforce its rights under this Note against each person individually or against all of us together. This meansthat any one of us may be required to pay all of the amounts owed under this Note.

9. WAIVERS

I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.�Presentment� means the right to require the Note Holder to demand payment of amounts due. �Notice of Dishonor�means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.

10. UNIFORM SECURED NOTE

This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections givento the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the �Security Instrument�), dated thesame date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promiseswhich I make in this Note. That Security Instrument describes how and under what conditions I may be required tomake immediate payment in full of all amounts I owe under this Note. Some of those conditions are described asfollows:

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not anatural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent,Lender may require immediate payment in full of all sums secured by this Security Instrument. However, thisoption shall not be exercised by Lender if such exercise is prohibited by Applicable Law.

If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall providea period of not less than 30 days from the date the notice is given in accordance with Section 15 within which




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Always show the borrower how many days his Grace period is and what the penalty is if they do not get the payment in on time.

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LOAN #: 111865

___________________________________(Seal)Greg AmayaTest41

3 3

Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to theexpiration of this period, Lender may invoke any remedies permitted by this Security Instrument without furthernotice or demand on Borrower.

WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.

[Sign Original Only]




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The word "seal" means signature and does not indicate where you should place your stamp.

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NEVER NEVER NOTARIZE A NOTE! The only exception to this rule if for folks who live in Virginia. There are a couple of lenders who demand that the Note be notarized.

AMERICASH

111865JUNE 20, 2011

Greg AmayaTest41

123 Loan StreetCosta Mesa, CA 92626

$1,849.22

$1,849.22

AUGUST 1, 2011.

_________________________________________Greg AmayaTest41

111865 09/01/2011 $1,849.22

09/15/2011 $1,941.68Greg AmayaTest41

AMERICASH2955 RED HILL AVE., #200COSTA MESA, CA 92626


111865 08/01/2011 $1,849.22

08/15/2011 $1,941.68Greg AmayaTest41



FIRST PAYMENT LETTER

LOAN NO.:DATE:BORROWER(S):

ADDRESS:

We are pleased to have you as a mortgage loan customer. The following is a breakdown of your initial monthly payment:

Principal and interest $ ___________________________Estimated taxes $ ___________________________Hazard insurance $ ___________________________Flood insurance $ ___________________________Mortgage insurance $ ___________________________

$ ___________________________$ ___________________________$ ___________________________$ ___________________________

TOTAL MONTHLY PAYMENT $ ___________________________

Your first regular payment is due

We hereby acknowledge receiving a copy of this letter.

We are aware that the total monthly payment may be subject to change each year due to increases or decreases in annualtaxes and/or insurance premiums and when applicable, adjustments in accordance with the adjustable rate mortgageprovisions of the Note.

..........................................................................................................................................................................................

MORTGAGE ACCOUNT NO. DUE DATE AMOUNT DUE

IF NOT RECD. BY PAY THIS AMOUNT

DATE __________________CHECK ________________CASH __________________AMT. __________________ USE FOR ADDL. AMOUNTS

PRINCIPAL

OTHER

ESCROW

TOTAL

PROPERTY ADDRESS: COUPON MUSTACCOMPANYPAYMENT

..........................................................................................................................................................................................


IF NOT RECD. BY PAY THIS AMOUNTDATE __________________CHECK ________________CASH __________________AMT. __________________ USE FOR ADDL. AMOUNTS

PRINCIPAL

OTHER

ESCROW

TOTAL


© 1996-2009 Online Documents, Inc. GPT6 0905


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You will go over this form with the borrower,pointing out what his total payment will be. On this form there are no impounds for taxes and insurance to the payment on this loan is principal & interest only.

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If it does not say the word "date", then refrain from allowing the borrower to date the document.

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CRITICAL DOCUMENT

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You will need to provide borrower with copies of these temporary payment coupons. You may have to print an extra one so they have one for each month as shown on this form.

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Point out to the borrower that these coupons provide all of the necessary information they need to set the payment up with their bank.

Greg AmayaTest41 JUNE 20, 2011111865

AMERICASH


X

"E" "E" "E" "E"

4.120% $84,876.33 $247,983.20 $332,859.53 N/A

Monthly

4.000%

$1,849.22

X$1,300.00

Monthly $3,149.22

X

123 Loan Street, Costa Mesa CA 92626

X

$100.0015 5.000% the payment.

XX

X

X X

GTILEMREGZǊTIL Ǌ Fixed RateOnline Documents, Inc. Page 1 of 2 TILFRT 1101

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

Borrower(s): Date:Loan Number:Lender:

Property Address:

Preliminary Disclosure Final Disclosure

ANNUAL FINANCE Amount Total of TOTAL SALESPERCENTAGE CHARGE Financed Payments PRICERATE The amount you will The total cost of yourThe cost of your credit The dollar amount the The amount of credit have paid after you have purchase on credit,as a yearly rate. credit will cost you. provided to you or on made all payments as including your

your behalf. scheduled. downpayment of

INTEREST RATE AND PAYMENT SUMMARY

Rate &

Payment

Interest Rate

Principal + Interest Payment

Est. Taxes + Insurance (Escrow)Includes Private Mortgage InsuranceIncludes Mortgage Insurance

Total Est. Payment

DEMAND FEATURE: Your obligation has a demand feature.VARIABLE RATE FEATURE: Your loan contains a variable rate feature. Disclosures about the variable rate feature have beenprovided to you earlier.

INSURANCE: Credit life insurance and credit disability insurance are not required to obtain credit, and will not be provided unlessyou sign and agree to pay the additional cost.Type Premium SignatureCredit Life I want credit life insurance. Signature:Credit Disability I want credit disability insurance. Signature:Credit Life and Disability I want credit life and disability insurance. Signature:

This loan transaction requires the following insurance:Hazard Insurance Flood Insurance MMI Credit Life Insurance PMI Credit Insurance

You may obtain property insurance from anyone you want that is acceptable to Lender. If you desire property insurance to be obtained throughthe Lender’s designated agency, the cost will be set forth in a separate insurance statement furnished by the Lender.

If you purchase hazard flood insurance from Lender, you will pay for a one year term.SECURITY: You are giving security interest in:

the goods or property being purchased. the real property you already own.THERE IS NO GUARANTEE THAT YOU WILL BE ABLE TO REFINANCE TO LOWER YOUR RATE AND PAYMENTS.FILING OR RECORDING FEES:LATE CHARGE: If a payment is more than days late, you will be charged of

PREPAYMENT: If you pay off your loan early, youmay will not have to pay a penalty.may will not be entitled to a refund of part of the finance charge.

REQUIRED DEPOSIT: The annual percentage rate does not take into account your required deposit.ASSUMPTION: Someone buying this property

may may, subject to conditions may not assume the remainder of your loan on the original terms.See your contract documents for any additional information about nonpayment, default, any required repayment in full before thescheduled date and prepayment refunds and penalties.

You are not required to complete this agreement merely because you have received thesedisclosures or signed a loan application.

�E� = estimate all dates and numerical disclosures except the late payment disclosures are estimates.


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This is one of the most important documents to go through with the borrower. It should be on the top of the stack of packages and is considered a "critical document.

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The Annual Percentage Rate, or "APR" is usually larger than the interest rate on the Note. It is the interest calculated on an annual basis and includes compounded interest and finance charges.

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This area summarizes the terms of the loan and should match all of the terms as spelled out on the Note. You can go through both this information and that contained on the Note with the borrower at the closing table.

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Pay careful attention to this area. They need to be offered to opportunity to obtain this insurance. They should only sign if they DO want this insurance.

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CRITICAL DOCUMENT

LOAN #: 111865

__________________________________________Greg AmayaTest41 Date

REGZǊTIL Ǌ Fixed RateOnline Documents, Inc. Page 2 of 2 TILFRT 1101

The undersigned hereby acknowledge(s) reading and understanding all of the information disclosed above, andreceiving a completed copy of this disclosure on the date indicated below.


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DO NOT NOTARIZE

LOAN #: 111865

Greg AmayaTest41



JUNE 20, 2011


JUNE 23, 2011



Page 1 of 1

NOTICE OF RIGHT TO CANCEL

Borrower(s):

Mailing Address:

Security interest in property described as:

YOUR RIGHT TO CANCELYou are entering into a transaction that will result in a mortgage/lien/security interest on/in your home. You have a legalright under federal law to cancel this transaction, without cost, within three business days from whichever of the followingevents occurs last:

(1) the date of the transaction, which is

______________________________________ ; or(2) the date you received your Truth-In-Lending disclosures;

or(3) the date you received this notice of your right to cancel.

If you cancel the transaction, the mortgage/lien/security interest is also cancelled. Within 20 calendar days after wereceive your notice, we must take the steps necessary to reflect the fact that the mortgage/lien/security interest on/inyour home has been cancelled, and we must return to you any money or property you have given to us or to anyoneelse in connection with this transaction.

You may keep any money or property we have given you until we have done the things mentioned above, but you mustthen offer to return the money or property. If it is impractical or unfair for you to return the property, you must offer itsreasonable value. You may offer to return the property at your home or at the location of the property. Money must bereturned to the address below. If we do not take possession of the money or property within 20 calendar days of youroffer, you may keep it without further obligation.

HOW TO CANCELIf you decide to cancel this transaction, you may do so by notifying us in writing, at

You may use any written statement that is signed and dated by you and states your intention to cancel, or you mayuse this notice by dating and signing below. Keep one copy of this notice because it contains important informationabout your rights.

If you cancel by mail or telegram, you must send the notice no later than midnight of(or midnight of the third business day following the latest of the three events listed above.) If you send or deliver yourwritten notice to cancel some other way, it must be delivered to the above address no later than that time.

I WISH TO CANCEL

ON THIS DATE THE UNDERSIGNED EACH RECEIVED TWO (2) COMPLETED COPIES OF THE NOTICE OFOPPORTUNITY TO CANCEL.

Online Documents, Inc. GRT4 1007


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When going through the Notice of Right to Cancel, you might say to borrowers, "I know you don't want to cancel this loan but in the event something should happen and you choose to cancel, I want to show you how to do that." You can then go through this document and instruct them where to sign. Tip: Place a sticky note over the are that says "I wish to cancel" so they cannot sign there. A lot of people accidentally sign in this area.

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To Cancel, sign where it says "I wish to cancel" send signed form to lender and it must be postmarked by no later than midnight of the last day of rescission period which is June 23, 2011 on this form.

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DO NOT LET BORROWER SIGN HERE!

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If they accidentally sign that they wish to cancel, use another Notice of Right to Cancel and have them sign and date it at the bottom of the form. Do not do cross outs on this form. It will probably get kicked back to you to go get it signed again.

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This is where they should sign. It acknowledges that you have left them with 2 completed copies of this form. You will need to have them sign at least 3 copies, one to send back with the documents and two for each borrower.

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CRITICAL DOCUMENT

AMERICASH, A CALIFORNIA CORPORATION 06/20/2011

111865

Greg AmayaTest41 1001419-0000001823-3

$250,000.00


$247,983.20

$1,103.20

AMOUNT PAID TO OTHERS ON YOUR BEHALF804 APPRAISAL FEE $450.00/POC P $450.00805 CREDIT REPORT FEE to CERTIFIED CREDIT $35.001101 TITLE SERVICES AND LENDER'S TITLE INSURANCE INCLUDES

1104 TITLE INSURANCE FEE to LPS $1,250.001111 SUB ESCROW FEE $45.00

1202 RECORDING FEES $100.001520 CREDITOR PAYOFFS (SEE 'CREDITOR PAYOFF DETAILS' SECTION) $245,000.00

TOTAL AMOUNT PAID TO OTHER $246,880.00

ITEMIZATION OF THE PREPAID FINANCE CHARGE801 OUR ORIGINATION CHARGE INCLUDES

LOAN ORIGINATION FEE to AMERICASH $995.00COMMITMENT (RATE LOCK) FEE to AMERICASH $595.00/POC P $595.00LENDER CREDIT AT CLOSING to AMERICASH ($595.00)

807 FLOOD CERTIFICATION to CORE LOGIC $15.00808 APPRAISAL REVIEW FEE $45.00901 INTEREST TO FIRST PAYMENT 7 @ $27.40 = $191.801101 TITLE SERVICES AND LENDER'S TITLE INSURANCE INCLUDES

1102 SETTLEMENT OR CLOSING FEE to POINTBREAK ESCROW $395.001109 DOCUMENT SIGNING FEE $225.001110 TITLE ENDORSE. & GUAR. FEES $150.00

TOTAL PREPAID FINANCE CHARGE $2,016.80

CREDITOR PAYOFF DETAILS1500 payoff to Wells $245,000.00

TOTAL $245,000.00

The undersigned acknowledge receiving and reading a completed copy of this disclosure. Neither you nor the creditor previouslyhas become obligated to make or accept this loan. This disclosure is not part of your loan contract.


Page 1 of 1

Lender: Date:

Loan #:

Borrower Name(s): MIN #:

Loan Amount:

Property Address:

ITEMIZATION OF AMOUNT FINANCED

ITEMIZATION OF AMOUNT FINANCED OF:

NET PROCEEDS FOR FUNDING:

P.O.C. AMOUNTS: P = Borrower Paid S = Seller Paid L = Lender Paid B = Broker Paid O = Other

Online Documents, Inc. GIOAF 1005


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This is a disclosure of all of the costs involved in this loan which are being financed. This means that these amounts are actually added into the principal loan amount and unless paid in advance by the borrower, interest will be charged on these expenses.

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POC means Paid Outside Close of Escrow.

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Payoff to Wells Fargo for the existing lien on the property.

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DO NOT NOTARIZE

After Recording Return To:AMERICASHATTN: FINAL DOCUMENT DEPARTMENT2955 RED HILL AVE., #200COSTA MESA, CA 92626

LOAN #: 111865

1001419-0000001823-3

JUNE 20, 2011,

GREG AMAYATEST41, A SINGLE MAN.

AMERICASH.

Initials: __________1 12 CAEDEED

[Space Above This Line For Recording Data]

DEED OF TRUSTMIN

DEFINITIONSWords used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13,18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.(A) �Security Instrument� means this document, which is dated together withall Riders to this document.(B) �Borrower� is

Borrower is the trustor under this Security Instrument.(C) �Lender� is

CALIFORNIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3005 1/01© 1999-2009 Online Documents, Inc. Page of CAEDEDL 0908


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This Deed of Trust is recorded in the County Recorders office on the day of closing. This is the document that places a public lien on the property alerting everyone that there is a loan on the property and must be paid off when the property is sold or refinanced.

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Borrowers initials must match their legal signature. If they are signing docs with a first name, middle initial, last name and a Sr. then the initials must be exact. i.e. John A. Smith Sr. would initial as jas, sr.

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NAME AND VESTING

LOAN #: 111865CORPORATION

CALIFORNIA. 2955 RED HILL AVE.,#200, COSTA MESA, CA 92626.

First American Title.

JUNE 20, 2011.************************TWO HUNDRED FIFTY THOUSAND AND NO/100

********************************************************* $250,000.00

JULY 1, 2026.

Initials: __________2 12

Lender is a organized and existing under the laws ofLender’s address is

(D) �Trustee� is

(E) �MERS� is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely asa nominee for Lender and Lender’s successors and assigns. MERS is the beneficiary under this Security Instrument.MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box2026, Flint, MI 48501-2026, tel. (888) 679-MERS.(F) �Note� means the promissory note signed by Borrower and dated The Notestates that Borrower owes Lender

Dollars (U.S. )plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not laterthan(G) �Property� means the property that is described below under the heading �Transfer of Rights in the Property.�(H) �Loan� means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due underthe Note, and all sums due under this Security Instrument, plus interest.(I) �Riders� means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to beexecuted by Borrower [check box as applicable]:

Adjustable Rate Rider Condominium Rider Second Home RiderBalloon Rider Planned Unit Development Rider Other(s) [specify]1-4 Family Rider Biweekly Payment RiderV.A. Rider

(J) �Applicable Law� means all controlling applicable federal, state and local statutes, regulations, ordinances andadministrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicialopinions.(K) �Community Association Dues, Fees, and Assessments� means all dues, fees, assessments and other chargesthat are imposed on Borrower or the Property by a condominium association, homeowners association or similarorganization.(L) �Electronic Funds Transfer� means any transfer of funds, other than a transaction originated by check, draft, orsimilar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetictape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but isnot limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wiretransfers, and automated clearinghouse transfers.(M) �Escrow Items� means those items that are described in Section 3.(N) �Miscellaneous Proceeds� means any compensation, settlement, award of damages, or proceeds paid byany third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damageto, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyancein lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of theProperty.(O) �Mortgage Insurance� means insurance protecting Lender against the nonpayment of, or default on, the Loan.(P) �Periodic Payment� means the regularly scheduled amount due for (i) principal and interest under the Note, plus(ii) any amounts under Section 3 of this Security Instrument.(Q) �RESPA� means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementingregulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional orsuccessor legislation or regulation that governs the same subject matter. As used in this Security Instrument, �RESPA�refers to all requirements and restrictions that are imposed in regard to a �federally related mortgage loan� even if theLoan does not qualify as a �federally related mortgage loan� under RESPA.(R) �Successor in Interest of Borrower� means any party that has taken title to the Property, whether or not that partyhas assumed Borrower’s obligations under the Note and/or this Security Instrument.

CALIFORNIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3005 1/01

© 1999-2009 Online Documents, Inc. Page of CAEDEDL 0908


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If any of these boxes are checked you should have Riders in the package of documents which will accompany the Deed of Trust (or Mortgage) to the County Recorders office to be recorded at the same time.

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In the event of a foreclosure, the trustee is responsible for handling the foreclosure proceedings, and they are responsible for issuing and recording the Deed of Reconveyance when the existing loan is paid off. This Deed when recorded removes the lien from the property.

LOAN #: 111865

COUNTY Orange

123 Loan Street, Costa Mesa,

92626

Initials: __________3 12

TRANSFER OF RIGHTS IN THE PROPERTYThe beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender’s successors and assigns)and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan,and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower’s covenants andagreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveysto Trustee, in trust, with power of sale, the following described property located in the

[Type of Recording Jurisdiction] of[Name of Recording Jurisdiction]:

which currently has the address of[Street] [City]

California (�Property Address�):[Zip Code]

TOGETHER WITHall the improvements nowor hereafter erected on the property, andall easements, appurtenances,and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this SecurityInstrument. All of the foregoing is referred to in this Security Instrument as the �Property.� Borrower understands andagrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessaryto comply with law or custom, MERS (as nominee for Lender and Lender’s successors and assigns) has the right: toexercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to takeany action required of Lender including, but not limited to, releasing and canceling this Security Instrument.

BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grantand convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrantsand will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record.

THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants withlimited variations by jurisdiction to constitute a uniform security instrument covering real property.

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay

when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late chargesdue under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under theNote and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument receivedby Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require thatany or all subsequent payments due under the Note and this Security Instrument be made in one or more of the followingforms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer’s check or cashier’scheck, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality, or entity; or (d) Electronic Funds Transfer.

Payments are deemed received by Lender when received at the location designated in the Note or at such otherlocation as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may returnany payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender




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YOU WILL BE ASKED SOMETIMES IF ANYONE HAS ACTUALLY READ THE ENTIRE DEED OF TRUST. THE ANSWER IS IN PHASE I OF THE COURSE. BUT FOR RIGHT NOW PLEASE SKIP TO PAGE 24.

LOAN #: 111865

___________________________________(Seal)Greg AmayaTest41

State of: _________________________County of: _________________________

On __________________, before me, ________________________________________________ (here insert name and title of the officer), personally appeared Greg AmayaTest41, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s)is/are subscribed to the within instrument and acknowledged to me that he/she/theyexecuted the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which theperson(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that theforegoing paragraph is true and correct.


Signature________________________________

(SEAL)

Initials: __________12 12

The undersigned Borrower requests that a copy of any Notice of Default and any Notice of Sale under this SecurityInstrument be mailed to Borrower at the address set forth above.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this SecurityInstrument and in any Rider executed by Borrower and recorded with it.




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Notary Section: You will fill in the State and County where YOUR FEET ARE PLANTED AT TIME OF SIGNING, not the County you are commissioned in. Complete the date of signing, your name after "before me", then sign below and stamp next to signature.

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YOUR STATE

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THE COUNTY WHERE THE SIGNING IS TAKING PLACE

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DATE OF SIGNING

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YOUR NAME

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SIGN HERE

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YOUR STAMP (OFFICIAL SEAL) WILL GO HERE IN THIS AREA. MAKE SURE IT IS VERY CLEAN AND CLEAR WITH NO SMUDGES.

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I promise that most of you will forever hear me say the words "Where your feet are planted when you are doing the signing" when you enter the name of the County on your Acknowledgements and Jurats.

AMERICASH 111865 CONV2955 RED HILL AVE SUITE 200, COSTA MESA,CA 92626 1001419-0000001823-3PHONE: 800-483-6565 Greg AmayaTest41FAX: 714-263-4452

06/20/2011 $250,000.0006/20/2011 $500,000.00

ESCROW #: 4.000%ATTN: Michael Perez 06/24/2011 180First American Title 06/23/2011 REFINANCE3 First American Way OWNERSanta Ana, CA 92707 FIRSTPHONE: 714-929-5167 08/01/2011 07/01/2026FAX: 714-929-5167

$1,849.22TITLE #:ATTN: Michael PerezFirst American Title3 First American WaySanta Ana, CA 92707PHONE: 714-250-5188FAX: 714-929-5167

$1,849.22


GREG AMAYATEST41, A SINGLE MAN

AMERICASH

800-483-6565 714-263-4452

72 HOURS PRIOR TO DISBURSEMENT OF LOAN FUNDS.CLOSE BY 06/20/2011

ALTA

$250,000.00N/A

ALTA

X

AMERICASH2955 RED HILL AVE., #200COSTA MESA, CA 92626ATTN: FINAL DOCUMENT DEPARTMENT

1 3

INSTRUCTIONS TO ESCROW/TITLE/CLOSING AGENTFROM: Loan #: Loan Type:

Case #:MIN #:Borrower Name(s):

Document Date: Loan Amount:Closing Date: Appraised Value:

TO: Signing Date: Sales Price:Disbursement/ Interest Rate %:

Settlement Date: Loan Term:Rescission Date: Loan Purpose:Interest Rate Occupancy:

Expiration Date: Lien Position:1st Payment Date: Maturity Date:

MONTHLY PAYMENT:TO: P&I:

Taxes:Hazard. Ins.:PMI/MMI:Flood. Ins.:

TOTAL:

PROPERTY:

THE VESTING SHOULD READ AS FOLLOWS:

ALL QUESTIONS CONCERNING THESE INSTRUCTIONS, CONDITIONS AND FUNDING PROCEDURES SHOULD BEDIRECTED TO AT

PHONE#: FAX#:

ALL DOCUMENTS MUST BE IN OUR OFFICETHIS LOAN MUSTFAILURE TO COMPLY WITH THESE INSTRUCTIONS MAY DELAY FUNDING.

In the event this loan does not close on the date indicated in these instructions; or, if the loan documentation doesnot conform to the information stated herein, DO NOT CLOSE THE LOAN WITHOUT NOTIFYING THE LENDER.

TITLE POLICY: A(n) Policy with Endorsement(s) should be issued within 30 days of closing. Final title policywhen issued must reflect the following:

1. Lender’s Title Policy is to be in the amount of2. Secondary financing in the amount of has been approved.3. Policy must contain endorsements4. Title is to be clear and is to show no special assessments pending or of record. All special assessments must be paid prior

to closing, unless otherwise authorized by us.5. Any and all encroachments must be insured over.6. Issue said form of Policy free from encumbrances except items:

of preliminary Title Report dated7. The vesting should read as referenced above.8. Lien Position: ( ) We must be in First Lien Position. ( ) We must be in Second Lien Position.9. Final Title Policy and Recorded Documents to be sent to:

Online Documents, Inc. Page of GEMCI1 1103


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These are instruction to the Settlement Agent (either Escrow or Title) and in most cases do not need to be signed by the borrower.

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LOAN #: 111865

AMERICASH, ITS SUCCESSORS AND/OR ASSIGNS2955 RED HILL AVE., #200COSTA MESA, CA 92626LOAN NO.: 111865

twelve (12)six (6)

X

X

N/A

two (2)

X

X


2 3

HAZARD INSURANCE: The Lender must have satisfactory evidence of hazard/fire insurance. Do not disburse withoutevidence of Hazard Insurance. The loss payable clause must be:

Hazard Insurance coverage must be equal to the lesser of the loan amount or the full replacement value of the propertyimprovements, and must extend for either a term of at least month(s) after the closing date for purchasetransactions or month(s) after the closing date for refinance transactions.

( ) California Civil Code 2955.5(a) provides: No lender shall require a borrower, as a condition of receiving or maintaininga loan secured by real property, to provide hazard insurance coverage against risks to the improvements on that real propertyin an amount exceeding the replacement value of the improvements on the property.

FLOOD INSURANCE: The Lender will obtain a flood certification, and if the property is located in a flood hazard area willspecify the need, if any, for flood insurance. The loss payable clause for flood insurance is the same as hazard/fire insurance.( ) Flood Insurance is not required ( ) Flood Insurance is required.

TAXES AND ASSESSMENTS: All taxes and assessments, including special assessments, due are to be paid at the timeof settlement and a receipt provided. Where taxes and assessments are shown on the Title Policy as an exception, the TitlePolicy must indicate �not yet due and payable.� Additional Instructions:

RIGHT TO CANCEL: On all refinance loans, second lien loans, and/or any transaction subject to rescission, the Noticeof Right to Cancel must be given at closing. The Notice of Right To Cancel must be properly completed, including all dates.EACH Borrower, obligor and/or person holding an ownership interest in the property must be given copies. Thesigned originals acknowledging receipt of the completed Right To Cancel by each Borrower, obligor, and/or person givencopies of the Notices must be returned with the closing package. Should the transaction be rescinded by any of the obligors,immediately notify our office. RIGHT OF RESCISSION MAY NOT BE WAIVED WITHOUT OUR PRIOR WRITTEN CONSENT.

SIGNATURES: Borrower(s) must sign all documents exactly as his or her name appears on the blank line provided for hisor her signature(s). Where a witness is required, you must have the document witnessed. If an acknowledgment is provided,a person authorized to take acknowledgments in the state ofclosing mustexecute theacknowledgment. The acknowledgmentdate must be no earlier than the date of the document being acknowledged.

CORRECTIONS: Any correction to loan documents must be approved in writing by us in advance. NO WHITE-OUTPERMITTED. Approved deletion should be made by marking a single line through the language being deleted. All additionsand deletions must be initialed by all borrowers.

SETTLEMENT STATEMENTS: The Borrower(s) and Seller(s) statements must clearly indicate the recipient of each itemshown on the statements. Both Borrower(s) and Seller(s) must sign the HUD settlement statements if signature lines appearon the document or any addendum to the document. The FINAL HUD-1 Settlement Statement must be completed atsettlement and must reflect all receipts and disbursements in these closing instructions and any subsequent, amendedclosing instructions. If any changes to fees occur, the loan documents may need to be re-drawn and re-signed.

( ) Settlement agents are requested to use the HUD-1 forms as provided by the Lender.

( ) Settlement agents are requested to use the HUD-1 forms, if provided by the Lender, as a guide when they prepare thefinal HUD-1. They shall be held responsible for insuring that all costs and fees reflected on the Lender HUD-1, if provided,are disclosed. Any variances must be approved by Lender prior to closing.

POWER OF ATTORNEY: Prior written approval must be obtained from the Lender when closing a loan by Power of Attorney.If granted, the Power of Attorney must be specific to the loan transaction and must specifically show the complete propertyaddress (street number and name, city, state, county and zip code, or complete legal). It must be recorded prior to the securitydocument in the same county in which the Security Instrument is recorded and the Lender must receive a copy of the recordedPower of Attorney as a trailing document. If seller is closing a loan by Power of Attorney, a certified copy of the signed Powerof Attorney must be returned in our package.

FHA OR VA: No fees or charges may be paid by Borrower(s) except as permitted by FHA or VA.

OCCUPANCY: This loan is approved as an ( ) Owner-occupant ( ) Non-owner occupant loan( ) Second Home. Do not close if circumstances of Borrower(s) are different.

DOCUMENTS TO BE DELIVERED TO:



LOAN #: 111865

48

3 3

IN ADDITION, PLEASE FURNISH THE FOLLOWING:

In the event this loan does not close on the date indicated in these instructions, or if the loan documentation does not conformto the information stated herein, please do not close the loan without notifying the office of the Lender. You shall be deemedto have accepted and to be bound by these closing instructions if you fail to notify us to the contrary within hoursof your receipt hereof, or if you disburse any funds to or for the account of the Borrower(s).

I hereby acknowledge receipt of these special instructions and agree to be bound by the terms contained herein.

___________________________________________________________ _______________________________Settlement Officer Date



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111865 $250,000.00Greg AmayaTest41 1001419-0000001823-3

0901 7 06/24/2011 07/01/2011 $27.40 BORR $191.80

1003 MORTGAGE INSURANCE RESERVES 0 0.00 0.00 BORR $0.00

0801 OUR ORIGINATION CHARGELENDER CREDIT AT CLOSING to Americash BORR ($595.00)COMMITMENT (RATE LOCK) FEE to Americash BORR $595.00*P PAIDLOAN ORIGINATION FEE to Americash BORR $995.00

0804 APPRAISAL FEE BORR $450.00*P PAID0805 CREDIT REPORT FEE to Certified Credit BORR $35.000807 FLOOD CERTIFICATION to Core Logic BORR $15.000808 APPRAISAL REVIEW FEE BORR $45.001101 TITLE SERVICES AND LENDER'S TITLE INSURANCE INCLUDES

1102 SETTLEMENT OR CLOSING FEE to PointBreak Escrow BORR $395.001104 Lender's Title Insurance to LPS BORR $1,250.001109 DOCUMENT SIGNING FEE BORR $225.001110 TITLE ENDORSE. & GUAR. FEES BORR $150.001111 SUB ESCROW FEE BORR $45.00

1202 RECORDING FEES BORR $100.00

SUBTOTAL OF FEES DUE FROM BORROWER: $2,851.80

**** PAYOFFS DETAILS:

Wells $245,000.00

SUBTOTAL OF ALL PAYOFFS: $245,000.00

1 1Online Documents, Inc. Page of GEMCI2 1005

LOAN DISBURSEMENT INSTRUCTIONS

Loan No.: Loan Amt.:Borrower: MIN #:

PLEASE COLLECT/DISBURSE THE FOLLOWING:

PER DIEM INTERESTHUD# FEE DESCRIPTION PAID BY AMOUNT DUE

DAYS INTEREST FROM TO @ / DAY

IMPOUND/ESCROW RESERVESHUD# ESCROW DESCRIPTION PAID BY AMOUNT DUE

_______________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ _____________________________________________________ _____ month(s) at $ _______________ per month = $ ______________

Aggregate Accounting Adjustment $ ______________IMPOUND SUBTOTAL $ __________________

FEES, PAYOFFS, COMPENSATION* P.O.C. AMOUNTS: P = Borrower Paid S = Seller Paid L = Lender Paid B = Broker Paid O = Other

** P.T.C. AMOUNTS: L = Lender B = Broker O = Other

PAID P.O.C.* / P.T.C.**HUD# FEE/PAYOFF DESCRIPTION / FEE/PAYOFF PAID TO BY AMOUNT - PAYOR AMOUNT DUE


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This information mirrors that information that appeared on the "Itemization of Amounts Financed" form seen earlier. This information notifies the Settlement Agent as to the amounts being deducted from the loan proceeds.

Greg AmayaTest41


111865


ESCROW WAIVER LETTER

Borrower(s):

Property Address:

Loan Number:

Lender has agreed to waive its requirement to establish an escrow account and collect monthly escrow payments tocover real estate taxes and insurance premiums due on the property.

Borrower has agreed to pay all real estate taxes and insurance premiums when due and before any penalties are levied.

Borrower has agreed to furnish to Lender, upon request, within 30 days after the due date, original receipts, facsimiles,other evidence satisfactory to Lender showing payment of such taxes, or insurance premiums.

If, at any time, the Borrower has defaulted on its obligations under this agreement, Lender may, in its sole direction:

1. Establish an escrow account;2. Immediately collect funds sufficient to cover any outstanding taxes and insurance premiums due; and3. Begin to collect, on a monthly basis, a sum for the annual taxes and insurance premiums, in addition to whatever

cushion is permitted by law and your loan documents.

Nothing in this Agreement will affect or impair Lender’s security interest in, or lien priority on, the Property and will notbe deemed a waiver of Lender’s right to enforce any of its rights or remedies contained in the Loan Documents.

Except as modified by this Agreement, all other terms and conditions of the Loan Documents remain in effect.

This Agreement is not assignable by the Borrower but shall be assignable by Lender and, in such event, shall insureto the benefit of and be binding upon its successors or assigns.

I/We acknowledge receipt of this Notice and understand the conditions of waiver:

Escrow Waiver Letter 02/01/04

Online Documents, Inc. I163ESW 0801


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In the event that borrower will be paying their own taxes and insurance as opposed to setting up an escrow account, this is the lender waiving any requirement that an impound account be set up.

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LOAN #: 111865AMERICASH

2955 RED HILL AVE SUITE 200COSTA MESA, CA 92626

JUNE 20, 2011Greg AmayaTest41123 Loan StreetCosta Mesa, CA 92626

JPMORGAN CHASE BANK, N.A.RECORDS CENTERP.O. BOX 8000MONROE, LA 71211

JPMORGAN CHASE BANK, N.A.P.O. BOX 24698COLUMBUS, OH 43224-0696

AUGUST 1, 2011,

AUGUST 1, 2011.

(800)848-9136

AMERICASH

$1,849.22

$1,849.22

We(I) hereby acknowledge receipt of ____________________________________this payment notice Greg AmayaTest41 DATE

111865 09/01/2011 $1,849.22

09/15/2011 $1,941.68Greg AmayaTest41

JPMORGAN CHASE BANK, N.A.P.O. BOX 78420PHOENIX, AZ 85062-8420


111865 08/01/2011 $1,849.22

08/15/2011 $1,941.68Greg AmayaTest41

JPMORGAN CHASE BANK, N.A.P.O. BOX 78420PHOENIX, AZ 85062-8420


GPTV1

Dear Mortgagor:

You are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from you is being assigned soldor transferred to

The collection of your mortgage payments will be handled by

Therefore, effective your payment should be mailed to the address on the payment couponprovided below. Your new loan servicer will mail you a payment coupon in the near future. Your first payment is due

The transfer of servicing is an ordinary transaction among mortgage banking companies. It will not affect the terms and conditions ofyour mortgage in any way. Make sure to reference your loan number at all times.

If you have any questions about the transfer of your mortgage loan, please contact their Customer Service Department

Yours truly,

CERTIFICATION OF MONTHLY PAYMENT COMPOSITIONPrincipal and Interest ______________________Monthly Amount for Taxes ______________________Monthly Amount for Insurance ______________________Monthly Amount for Flood ______________________MIP/PMI ______________________

________________________________________________________________________________________

TOTAL MONTHLY PAYMENT ______________________

...............................................................................................................................................................................................................................


IF NOT RECD. BY PAY THIS AMOUNT

DATE _________________CHECK _______________CASH _________________AMT. _________________ USE FOR ADDL. AMOUNTS

PRINCIPAL

OTHER

ESCROW

TOTAL


........................................................................................................................................................................................................................................................


IF NOT RECD. BY PAY THIS AMOUNTDATE _________________CHECK _______________CASH _________________AMT. _________________

USE FOR ADDL. AMOUNTSPRINCIPAL

OTHER

ESCROW

TOTAL


........................................................................................................................................................................................................................................................© 1994-2009 Online Documents, Inc. GPTV 0910


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This document alerts the borrower that this loan is being sold to: JPMorgan Chase Bank

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Greg AmayaTest41 06/20/2011

111865


AMERICASH

AMERICASH, ITS SUCCESSORS AND/OR ASSIGNS2955 RED HILL AVE., #200, COSTA MESA, CA 92626

HAZARD INSURANCE AUTHORIZATION, REQUIREMENTS AND DISCLOSURE

Borrower(s): Date:

Loan Number:

Property Address:

Lender:

California Civil Code 2955.5(a) provides:No lender shall require a borrower, as a condition of receiving or maintaining a loan secured by real property, toprovide hazard insurance coverage against risks to the improvements on that real property in an amount exceedingthe replacement value of the improvements on the property.

Listed below are your Lender’s policies and procedures and minimum requirements for Hazard Insurance which mustbe provided covering the subject property unless otherwise provided by applicable state law:

1. Coverage must equal the lesser of the following:

� 100% of the insurable value of the improvements, as established by the property insurer, or

� the unpaid principal balance of the mortgage, as long as it equals the minimum amount--80% of the insurablevalue of the improvements--required to compensate for damage or loss on a replacement cost basis. If it doesnot, then coverage that does provide the minimum required amount must be obtained.

2. The insurance company providing coverage must have an �A� rating or better in the latest edition of �Best’sInsurance Guide,� must be licensed in the State in which the property described above is located, and must belicensed to transact the lines of insurance required in the transaction.

3. Policy shall provide at least �Broad Form� coverage on properties of one to four units, and at least �Vandalism &Malicious Mischief� on properties with over four units, with no deviation. Homeowners policies must providecoverage equal to �HO 2� form.

4. The maximum deductible must not exceed 5% of the face amount of the insurance policy.

5. Policy must provide coverage for a term of at least one year. Premiums may be paid on an annual installment basisonly if the policy provides that the Lender will be notified in writing of cancellation 30 days prior to expiration ofcoverage, for any cause. Binders are not acceptable, unless otherwise mandated by state law.

6. If any existing policy is provided which will expire within six months from the date of the recording of this loan, saidpolicy must be renewed for the required term as noted in #5 above.

7. All forms and endorsements pertaining to the Lender’s requirements must appear on the �Declaration Page� of thepolicy.

8. New policies must be accompanied by a signed �Broker of Record Authorization� if borrower(s) have changedInsurance Agents.

9. Verification of renewal of insurance policies must be in the Lender’s office at least thirty days prior to the expirationdate of the existing policy. If this requirement is not met, the LENDER OR ITS SUCCESSORS OR ASSIGNS MAYAT THEIR OPTION, BUT WITHOUT OBLIGATION TO DO SO, PROVIDE COVERAGE TO REPLACE ANY EXPIRINGPOLICIES WHICH HAVE NOT BEEN PROPERLY RENEWED. The premium for such coverage will be remittedpromptly by the undersigned, or Lender may charge borrower’s account for the cost thereof.

10. The policy must include a standard �mortgagee loss payee clause� (Lenders Loss Payable Endorsement form 438BFU or equivalent) in favor of:

© 2000-2009 Online Documents, Inc. Page 1 of 2 CAHAZ 0908


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This form basically describes to the borrower what type of homeowners insurance this lender requires.

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LOAN #: 111865


11. Property address and insureds’ names must be designated on the policy as on the ALTA Title Policy.

12. The Lender’s loan number must appear on the policy and any subsequent endorsements.

13. Effective date of new policies, endorsements, and/or assignments shall be as of, or prior to, the date of recordingthis loan.

14. If the security property is a condominium, the master insurance policy must contain a minimum of $1,000,000.00coverage for �Directors & Officers� liability as well as �walls-in� coverage policy (commonly known as HO-6 policy).The policy must include replacement of improvements and betterment coverage to cover any improvements thatyou may have made to the unit. A copy of the master policy must be submitted to the Lender prior to funding.

AN ACCEPTABLE POLICY, WITH ENDORSEMENTS AND/OR ASSIGNMENTS, MUST BE FORWARDED TO ANDRECEIVED BY LENDER BEFORE THIS LOAN CAN BE FUNDED: OTHERWISE, LENDER MAY BE FORCED TO PLACEINTERIM COVERAGE ON THE PROPERTY AT AN ADDITIONAL COST TO THE BORROWER(S).

Each of the undersigned acknowledges that he or she has read and understands the foregoing provisions and insurancerequirements. This authorization will remain irrevocable for the undersigned as owner(s) of the subject property, andfor any assignees, for as long as this loan remains on subject property.

© 2000-2009 Online Documents, Inc. Page 2 of 2 CAHAZ 0908


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111865

123 Loan Street, Costa Mesa, CA 92626

AMERICASH

AMERICASH2955 RED HILL AVE SUITE 200COSTA MESA, CA 92626ATTN:

_________________________________________Greg AmayaTest41

NOTICE OF RIGHT TO COPY OF APPRAISAL

Borrower(s): Date:

Loan Number:

Property Address:

Lender:

You have the right to a copy of the appraisal report used in connection with your application for credit. If youwish to obtain a copy, please write to us at the mailing address shown below:

We must hear from you no later than 90 days after we notify you about the action taken on your credit applicationor you withdraw your application. In your letter, please include your name, the property address and yourapplication or loan number, if known. If you have not already paid an appraisal fee, you may be required toreimburse us for the cost of the appraisal (and any photocopy and postage costs) as a condition to receiving acopy of the appraisal report.

© 1994-2008 Online Documents, Inc. GAPL 0809


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Every borrower is entitled to a copy of the appraisal. Most lenders determine to maximum lending amount based on an appraisal of the property.


111865


Americash

_________________________________________Greg AmayaTest41

GCOM-CA

COMPLIANCE AGREEMENT

Borrower(s): Date:

Loan Number:

Property Address:

Lender:

The undersigned borrower(s), for and in consideration of Lender disbursing loan proceeds for the purchase orrefinancing of, or construction of improvements on the aforementioned property, agree(s), if requested by theLender or someone acting on behalf of said Lender, to fully cooperate in adjusting for clerical errors, on any and allloan closing documentation deemed necessary or desirable in the reasonable discretion of Lender to enableLender to sell, convey, seek guaranty or market said loan to any entity, including but not limited to, an investor,Fannie Mae (FNMA), Government National Mortgage Association (GNMA), Freddie Mac (FHLMC), Department ofHousing and Urban Development, Department of Veterans Affairs or any municipal bonding authority.

The undersigned borrower(s) do hereby so agree and covenant as aforesaid in order to assure that the loandocumentation executed this date will conform and be acceptable in the marketplace in the instance of transfer,sale or conveyance by Lender of its interest in and to said loan documentation.

Dated effective this ______________ day of _____________________ .

© 1997-2009 Online Documents, Inc. Page 1 of 2 GCOMCA 0906


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This document gives the lender permission to make corrections on the documents as a result of clerical errors. Also, if any documents are missing, the borrower agrees to provide the lender with any documentation they deem necessary.

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Date the day the signing

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LOAN #: 111865

CALIFORNIA

Greg AmayaTest41

State of )County of )

On ________________________________ before me, ___________________________________________________________________________________________________________________________ (here insert name and title of the officer),

personally appeared ____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the withininstrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), andthat by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted,executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is trueand correct.


Signature _________________________________________ (Seal)

© 1997-2009 Online Documents, Inc. Page 2 of 2 GCOMCA 0906


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County where your feet are planted when doing the signing.

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Date of signingYour name

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Borrower(s) name goes here

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Your signature

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Always remember the saying "Where your feet are planted", and you will never forget which county you should put on your acknowledgments.

LOAN #: 111865

JUNE 20, 2011

Greg AmayaTest41


_________________________________________Greg AmayaTest41

GFLD

FLOOD HAZARD DETERMINATION

Date:

Borrower(s) Name(s):

Property Address:

Pursuant to federal regulations, the Lender has evaluated whether or not the improved real property or mobilehome (the �Property�) which will secure your loan is located in an area designated by the Federal EmergencyManagement Agency (�FEMA�) as a �Special Flood Hazard Area.� The Lender has determined that accordingto FEMA the Property is NOT located in a designated Special Flood Hazard Area. Therefore, flood insurancewill NOT be required by the Lender as a condition of closing this loan transaction.

The National Flood Insurance Reform Act of 1994 provides that if the loan servicer at any time during the termof the loan determines that the Property is in a Special Flood Hazard Area the loan servicer must notify theborrower that flood insurance must be obtained. In these cases, the borrower has 45 days to respond andprovide evidence of acceptable insurance to the loan servicer; if no response is made by the borrower, the loanservicer can force-place flood insurance after 45 days from the date of notification.

The undersigned Borrower(s) agree that flood insurance will be purchased if the Property is located ina Special Flood Hazard Area, and if flood insurance is available in the community. The undersignedBorrower(s) further agree that if the Property at any time is determined to be in a Special Flood HazardArea, and if insurance is available, Borrower(s) will obtain and pay for such insurance in an amount asrequired by the Lender or loan servicer.

© 1992-2003 Online Documents, Inc. GFLD2 0303


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After investigation the lender determines if subject property is or is not in a flood zone. The is the form that reports the determination to be that this property is NOT in a flood zone. If that status changes during the life of the loan, this document informs the borrower that flood insurance will be available to them.

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JUNE 20, 2011

X111865

Greg AmayaTest41

Greg AmayaTest41


TAX RECORD INFORMATION SHEET

THIS FORM MUST BE COMPLETED BY TITLE OFFICER, ESCROW OFFICER AND/ORCLOSING ATTORNEY AND SIGNED BY SAME.

THIS SHEET MUST BE COMPLETELY FILLED OUT OR IT WILL BE RETURNED FOR COMPLETION.

INSTRUCTIONS FOR COMPLETION OF TAX RECORDS:1. Tax legal description must be exactly as shown on tax records.2. Show only all taxing authority where we are escrowing for payment.3. Tax bills & information are obtained from this sheet.Therefore, itmustbecompletedin full. Include anyAssessments,

Municipal Utility Districts, Ground Rents, etc. that are escrowed for payment.The following information is Certified by: __________________________________________________________________DATE LOAN CLOSED: ___________________________________ TITLE/ESCROW/CLOSING ATTORNEY

______________________________________________________________________________________________________REFINANCE [ ]Yes [ ]NoLOAN # _________________________________________BORROWER(S) NAME:

TAXES FOR CURRENT YEAR LISTED IN NAME OF: __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

PROPERTY ADDRESS:______________________________________________________________________________________________________

CURRENT TAX ASSESSMENT BASED ON:[ ]ACREAGE [ ]VACANT [ ]PARTIAL CONSTRUCTION [ ]COMPLETE CONSTRUCTIONLEGAL DESCRIPTION:SECTION _______________ BLOCK ______________ LOT(S) _________________ TRACT ________________________MAP ___________________ UNIT# ______________ TWNSHP _______________ RANGE ________________________SUBDIVISION __________________________________________________________________________________________METES & BOUNDS [ ]YES [ ]NO

TYPE OF TAX _____________________________________ LAST AMOUNT PAID ______________________________CURRENT TAXES PAID THRU DATE _________________ NEXT DUE DATE _______________________________NEXT AMOUNT DUE ______________________________ -THIS AMOUNTS IS [ ]ESTIMATE [ ]ACTUALPAYMENT FREQUENCY:[ ]ANNUAL [ ]SEMI-ANNUAL [ ]QUARTERLY [ ]TRI-ANNUALTAXING AUTHORITY NAME & ADDRESS: PARCEL/PROPERTY ID/TMS #_________________________________________________ __________________________________________________________________________________________________ PARCEL/PROPERTY ID/TMS #_________________________________________________ _________________________________________________



© 1993, 2002 Online Documents, Inc. Page 1 of 2 GTXI 0208


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YOU ARE NOT CONCERNED WITH THIS DOCUMENT. JUST TURN IT OVER.

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Just turn this one over.

LOAN #: 111865TYPE OF TAX _____________________________________ LAST AMOUNT PAID ______________________________CURRENT TAXES PAID THRU DATE _________________ NEXT DUE DATE _______________________________NEXT AMOUNT DUE ______________________________ -THIS AMOUNTS IS [ ]ESTIMATE [ ]ACTUALPAYMENT FREQUENCY:[ ]ANNUAL [ ]SEMI-ANNUAL [ ]QUARTERLY [ ]TRI-ANNUALTAXING AUTHORITY NAME & ADDRESS: PARCEL/PROPERTY ID/TMS #_________________________________________________ __________________________________________________________________________________________________ PARCEL/PROPERTY ID/TMS #_________________________________________________ _________________________________________________


© 1993, 2002 Online Documents, Inc. Page 2 of 2 GTXI


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YOU ARE NOT CONCERNED WITH THIS DOCUMENT. JUST TURN IT OVER.

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Turn this over also. Nothing here to be read or signed.

LOAN #: 111865

AMERICASH JUNE 20, 2011

X


SERVICING DISCLOSURE STATEMENT

Lender: Date:

NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGELOAN PAYMENTS MAY BE TRANSFERRED.

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 thisloan may be transferred to a different loan servicer. �Servicing� refers to collecting your principal, interest, and escrowpayments, if any, as well as sending any monthly or annual statements, tracking account balances, and handling otheraspects of your loan. You will be given advance notice before a transfer occurs.

Servicing Transfer InformationWe may assign, sell, or transfer the servicing of your loan while the loan is outstanding.OrWe do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer theservicing of your mortgage loan before the first payment is due.OrThe 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 LOAN APPLICANTI/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.

RESPA 24 C.F.R. Part 3500 Appendix MS-1© 2009 Online Documents, Inc. G2TSV 0901


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Notification that the lender may sell this loan.

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LOAN #: 111865

AMERICASH2955 RED HILL AVE SUITE 200

COSTA MESA, CA 92626800-483-6565

Greg AmayaTest41123 Loan StreetCosta Mesa, CA 92626

AMERICASH

JPMORGAN CHASE BANK, N.A.

AUGUST 1, 2011.

AMERICASH.

their ServicingDepartment

800-483-6565 x605 9am - 5pmMonday through Friday.


P.O. BOX 24698COLUMBUS, OH 43224-0696

(800)848-9136.their Servicing Department

(800)848-9136 8:00 AM to 9:00 PM ESTMonday through Friday.

AUGUST 1, 2011.AUGUST 1, 2011.

NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF SERVICING RIGHTS

Borrower Name & Address:

You are hereby notified* that the servicing of your mortgage loan, that is, the right to collect payments from you,is being assigned, sold or transferred from

to

effective

The assignment, sale or transfer of the servicing of the mortgage loan does not affect any term or condition of themortgage instruments, other than terms directly related to the servicing of your loan.

Except in limited circumstances, the law requires that your lender send you this notice at least 15 days before theeffective date of transfer, or at closing. Your new servicer must also send you this notice no later than 15 days after thiseffective date or at closing. In this case, all necessary information is combined in this one notice.

Your lender is

If you have any questions relating to the transfer of servicing from your lender call

at betweenon the following days:

This is a toll-free or collect call number.

Your new servicer will be

The business address for your new servicer is:

The toll-free or collect call telephone number of your new servicer is If youhave any questions relating to the transfer of servicing to your new servicer call

at betweenon the following days:

The date that your lender will stop accepting payments from you isThe date that your new servicer will start accepting payments from you is Sendall payments due on or after that date to your new servicer.

You should also be aware of the following information, which is set out in more detail in Section 6 of the Real EstateSettlement Procedures Act (RESPA) (12 U.S.C. Section 2605):

During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment receivedby your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not beimposed on you.

Section 6 of RESPA (12 U.S.C. Section 2605) gives you certain consumer rights. If you send a �qualified writtenrequest� to your loan servicer concerning the servicing of your loan, your servicer must provide you with a writtenacknowledgment within 20 Business Days of receipt of your request. A �qualified written request� is a writtencorrespondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which

© 1994-2008 Online Documents, Inc. Page 1 of 2 GNSV 0805


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Notification that this loan has been sold and the name of the new servicing agent.

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LOAN #: 111865

P.O. BOX 24698COLUMBUS, OH 43224-0696

AMERICASH __________________________________________Greg AmayaTest41 Date


includes your name and account number, and your reasons for the request. If you want to send a �qualified writtenrequest� regarding the servicing of your loan, it must be sent to this address:

Not later than 60 Business Days after receiving your request, your servicer must make any appropriate correctionsto your account, and must provide you with a written clarification regarding any dispute. During this 60-Business Dayperiod, your servicer may not provide information to a consumer reporting agency concerning any overdue paymentrelated to such period or qualified written request. However, this does not prevent the servicer from initiating foreclosureif proper grounds exist under the mortgage documents.

A Business Day is a day on which the offices of the business entity are open to the public for carrying on substantiallyall of its business functions.

Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstanceswhere servicers are shown to have violated the requirements of that Section. You should seek legal advice if you believeyour rights have been violated.

* This notification is a requirement of Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C.Section 2605).

__________________________________________________Lender Date

and

__________________________________________________Future Servicer Date

© 1994-2008 Online Documents, Inc. Page 2 of 2 GNSV 0805


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LOAN #: 111865AMERICASH

2955 RED HILL AVE SUITE 200COSTA MESA, CA 92626

Greg AmayaTest41


XJPMORGAN CHASE BANK, N.A.ITS SUCCESSORS AND ASSIGNS ATIMAP.O. BOX 47020DORAVILLE, GA 30362-7020LOAN NO. 111865

JPMORGAN CHASE BANK, N.A.P.O. BOX 47020DORAVILLE, GA 30362-7020LOAN NO. 111865

HAZARD INSURANCE ENDORSEMENT LETTER

POLICY NUMBER:

AGENT’S NAME AND ADDRESS:

INSURED’S NAME:

PROPERTY ADDRESS:

Please make the changes requested below:

_________ Correct Mortgagee Clause to read:

_________ Change Property address to:

_________ Change Insured's Name to:

_________ The amount of coverage is not sufficient. Please increase coverage to: _____________________________

_________ Other:

Please send the endorsement(s) directly to:

© 1995-2009 Online Documents, Inc. GLOV 0903


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Notification that the borrowers Homeowners (Hazard) insurance has been changed to reflect the new lender as the new Loss Payee on their policy. In the event of a disaster, JPMorgan Chase Bank would be paid off if home was destroyed.

LOAN #: 111865

_________________________________________Greg AmayaTest41

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE

IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSEOF THE CONSIDERATION OF:

1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREASURROUNDINGA HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATEIN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE ANDUNSOUND BUSINESS PRACTICE; OR

2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.

IT ISILLEGAL TOCONSIDERTHERACIAL, ETHNIC,RELIGIOUS OR NATIONAL ORIGINCOMPOSITIONOF A NEIGHBORHOODOR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION ISUNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION ORIN DETERMINING WHETHER ORNOT, OR UNDER WHAT TERMS ANDCONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.

THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION,REHABILITATION OR REFINANCING OF ONE TO FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FORTHE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE TO FOUR UNIT FAMILY RESIDENCE.

IF YOU HAVE ANY QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THEMANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

SAVINGS INSTITUTIONS STATE MEMBER BANKS DEPARTMENT OF CORP.DEPT. OF SAVINGS AND LOAN FEDERAL RESERVE BANK 320 WEST 4TH STREET300 SOUTH SPRING STREET 101 MARKET STREET SUITE 750SUITE 16502 SAN FRANCISCO, CA 94105 LOS ANGELES, CA 90013-1105LOS ANGELES, CA 90013

NATIONAL BANKS MORTGAGE COMPANIES DEPARTMENT OF CORP.COMPTROLLER OF THE CURRENCY DEPT. OF REAL ESTATE 1390 MARKET STREETCUSTOMER ASSISTANCE GROUP 2201 BROADWAY SUITE 8101301 McKINNEY STREET SACRAMENTO, CA 95818 SAN FRANCISCO, CA 94102SUITE 3450HOUSTON, TX 77010-9050

NON-MEMBER INSURED BANKS FEDERAL CREDIT UNIONS SAVINGS INSTITUTIONSFDIC - SAN FRANCISCO NCUA SUPERVISORY AGENT25 ECKER ST., STE. 2300 1230 WEST WASHINGTON ST. OTS OF SAN FRANCISCOSAN FRANCISCO, CA 94105 SUITE 301 1 MONTGOMERY ST., STE. 400

TEMPE, AZ 85281 SAN FRANCISCO, CA 94104

EQUAL CREDIT OPPORTUNITY ACT FAIR LENDING NOTICE

THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDITAPPLICANTS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDEDTHAT THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THEAPPLICANT’S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS INGOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THATADMINISTERS COMPLIANCE WITH THIS LAW CONCERNING THIS CREDITOR IS:

NATIONAL BANKS STATE MEMBER BANKS FEDERAL CREDIT UNIONSCOMPTROLLER OF THE CURRENCY FEDERAL RESERVE BANK NCUACUSTOMER ASSISTANCE GROUP 101 MARKET STREET 1230 WEST WASHINGTON ST.1301 McKINNEY STREET SAN FRANCISCO, CA SUITE 301SUITE 3450 94105 TEMPE, AZ 85281HOUSTON, TX 77010-9050

SAVINGS INSTITUTIONS NON-MEMBER MORTGAGE COMPANIESSUPERVISORY AGENT INSURED BANKS FEDERAL TRADE COMMISSIONOTS OF SAN FRANCISCO FDIC - SAN FRANCISCO EQUAL CREDIT OPPORTUNITY1 MONTGOMERY STREET, STE. 400 25 ECKER ST., STE. 2300 ROOM 4037SAN FRANCISCO, CA 94104 SAN FRANCISCO, CA 94105 WASHINGTON, D.C. 20580

I (WE) RECEIVED A COPY OF THIS NOTICE

ACKNOWLEDGMENT OF RECEIPT

7/94

© 1994-2004 Online Documents, Inc. GFAI 0411


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Disclosures; Financial Discrimination and Equal Opportunity.

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LOAN #: 111865

AMERICASH

_________________________________________Greg AmayaTest41SS#: 000-00-0001

BORROWER’S CERTIFICATION & AUTHORIZATION

Certification

The undersigned certify the following:

1. I/We have applied for a mortgage loan from

(�Lender�).In applying for the loan, I/we completed a loan application containing various information on the purpose of the loan,the amount and source of the down payment, employment and income information, and assets and liabilities. I/Wecertify that all of the information is true and complete. I/We made no misrepresentations in the loan application or otherdocuments, nor did I/we omit any pertinent information.

2. I/We understand and agree that Lender reserves the right to change the mortgage loan review process to a fulldocumentation program. This may include verifying the information provided on the application with the employerand/or the Financial Institution.

3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make anyfalse statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code,Section 1014.

Authorization to Release Information

To Whom It May Concern:

1. I/We have applied for a mortgage loan from Lender. As part of the application process, Lender and the mortgageguaranty insurer (if any) may verify information contained in my/our loan application and in other documents requiredin connection with the loan, either before the loan is closed or as part of its quality control program.

2. I/We authorize you to provide to Lender and to any investor to whom Lender may sell my mortgage, and to themortgage guaranty insurer (if any), any and all information and documentation that they request. Such informationincludes, but is not limited to, employment history and income; bank, money market, and similar account balances;credit history; and copies of income tax returns.

3. Lender or any investor that purchases the mortgage or the mortgage guaranty insurer (if any) may address thisauthorization to any party named in the loan application.

4. A copy of this authorization may be accepted as an original.5. Your prompt reply to Lender, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any)

is appreciated.6. Mortgage guaranty insurer (if any):

VA and FHA Loans

This is notice to you as required by the Right to Financial Privacy Act of 1978 that:

_______ Department of Veterans Affairs (VA)_______ Department of Housing and Urban Development

has a right of access to financial records held by a financial institution in connection with the consideration oradministration of assistance to you. Financial records involving your transaction will be available to the agency indicatedabove without further notice or authorization, but will not be disclosed or released to another Government Agency orDepartment without your consent except as required or permitted by law. Prior to the time that your financial recordsare disclosed, you may revoke this authorization at any time; however, your refusal to provide the information may causeyour application to be delayed or rejected. If you believe that your financial records have been disclosed improperly,you may have legal rights under the Right to Financial Privacy Act of 1978.

Modified FNMA Form 1097 (Apr. 90)© 1996-2009 Online Documents, Inc. GBCT 0905


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Borrower Certification that they have been truthful and complete on their loan application. Authorization to personal information provided to lender to facilitate the loan approval.

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To be completed only if this loan is a VA or FHA loan.

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LOAN #: 111865

Greg AmayaTest41 000-00-0001

Greg AmayaTest41123 Loan StreetCosta Mesa, CA 92626

Americash, IT'S SUCCESSORS AND/OR ASSIGNS2955 Red Hill Ave, Suite 200Costa Mesa, CA 92626800-483-6565

1040

X

X

12/31/2008 12/31/2009 12/31/2010

GTX6TEM

Request for Transcript of Tax ReturnForm 4506-T(Rev. January 2011)

Request may be rejected if the form is incomplete or illegible. OMB No. 1545-1872Department 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 quickly request transcripts byusing our automated self-help service tools. Please visit us at IRS.gov and click on �Order a Transcript� or call 1-800-908-9946. If you need a copy of yourreturn, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.

1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return, individualtaxpayer identification number, or employeridentification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individualtaxpayer identification number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)

4 Previous address shown on the last return filed if different from line 3 (See instructions)

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 telephonenumber. The IRS has no control over what the third party does with the tax information.

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 and line 9 before signing. Sign and date the form once you havefilled in these lines. Completing these steps helps to protect your privacy.

6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form numberper request. ________________________________________________

a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to theaccount after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years.Most requests will be processed within 10 business days. .........................................................................................................................................

b Account Transcript, which 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 was filed. Return information is limited to items such as tax liability and estimated tax payments.Account transcripts are available for most returns. Most requests will be processed within 30 calendar days. ........................................................

c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years.Most requests will be processed within 30 calendar days. ..........................................................................................................................................

7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days. .........................

8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from theseinformation returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript informationfor up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for2007, filed in 2008, will not be available from the IRS until 2009. If you need W-2 information for retirement purposes, you should contact the Social SecurityAdministration at 1-800-772-1213. Most requests will be processed within 45 days. .................................................................................................

Caution. If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return,you must use Form 4506 and request a copy of your return, which includes all attachments.9 Year or period requested. Enter the ending date of theyear or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods,

youmust attach another Form4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax informationrequested. If the request applies to a joint return, either husband or wife 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 authority to execute Form 4506-T on behalf of the taxpayer.Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.

Telephone number oftaxpayer on line 1a or 2a

Signature (see instructions) Date

SignHere Title (if line 1a above is a corporation, partnership, estate, or trust)

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 1-2011)Online Documents, Inc. Page 1 of 2 GTX6T 1102


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Check names and social security numbers for accuracy. If a spouses name and TIN (Taxpayer Identification Numer) appears on line 2a and 2b, they will need to sign this form also, at the bottom of the page above "spouses signature".

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This form gives the lender the authority to request and receive tax returns for the years specified on this form. This is only done if they have a specific reason to ask for these transcripts.

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SIGNATURE OF PERSON ON LINE 1A

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Date signed

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SIGNATURE OF SPOUSE (IF LISTED ON LINE 2A AND 2B ONLY.

LOAN #: 111865

Greg AmayaTest41

123 Loan Street AMERICASH2955 RED HILL AVE SUITE 200COSTA MESA, CA 92626

Costa Mesa, CA 92626

0 0 0 0 0 0 0 0 1

Request for TaxpayerIdentification Number and Certification

Form W-9(Rev. January 2011)

3. Claim exemption from backup withholding if you are aU.S. exempt payee. If applicable, you are also certifying that asa U.S. person, your allocable share of any partnership incomefrom a U.S. trade or business is not subject to the withholdingtax on foreign partners’ share of effectively connected income.

Note. If a requester gives you a form other than Form W-9 torequest your TIN, you must use the requester’s form if it issubstantially similar to this Form W-9.

Definition of a U.S. person. For federal tax purposes, you areconsidered a U.S. person if you are:� An individual who is a U.S. citizen or U.S. resident alien,� A partnership, corporation, company, or associationcreated or organized in the United States or under the laws ofthe United States,� An estate (other than a foreign estate), or� A domestic trust (as defined in Regulations section301.7701-7).

General Instructions

Section references are to the Internal Revenue Code unlessotherwise noted.

Purpose of Form

A person who is required to file an information return with theIRS must obtain your correct taxpayer identification number(TIN) to report, for example, income paid to you, real estatetransactions, mortgage interest you paid, acquisition orabandonment of secured property, cancellation of debt, orcontributions you made to an IRA.

Use Form W-9 only if you are a U.S. person (including aresident alien), to provide your correct TIN to the personrequesting it (the requester) and, when applicable, to:

1. Certify that the TIN you are giving is correct (or you arewaiting for a number to be issued),

2. Certify that you are not subject to backup withholding, or

Form W-9 (Rev. 1-2011) Cat. No. 10231XOnline Documents, Inc. Page 1 of 5 GW9C 1102

Give form to therequester. Do not

Department of the Treasury send to the IRS.Internal Revenue Service

Name (as shown on your income tax return)

Business name/disregarded entity name, if different from above

Check appropriate box for federal taxclassification (required): Individual/sole proprietor C Corporation S Corporation

Partnership Trust/estate ExemptLimited liability company. Enter the tax classification (C=C corporation, S=S Corporation, P=partnership) ............... payee

Other (see instructions) Address (number, street, and apt. or suite no.) Requester’s name and address (optional)

City, state, and ZIP code

List account number(s) here (optional)

Part I Taxpayer Identification Number (TIN)

Enter your TIN in the appropriate box. The TIN provided must match the name given onthe �Name� line to avoid backup withholding. For individuals, this is your social securitynumber (SSN). However, for a resident alien, sole proprietor, or disregarded entity, seethe Part I instructions on page 3. For other entities, it is your employer identificationnumber (EIN). If you do not have a number, see How to get a TIN on page 3.

Note. If the account is in more than one name, see the chart on page 4 for guidelines on whosenumber to enter.

Part II Certification

Under penalties of perjury, I certify that:1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notifiedby the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest ordividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and3. I am a U.S. citizen or other U.S. person (defined below).

Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subjectto backup withholding because you have failed to report all interest and dividends on your tax return. For real estatetransactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellationof debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends,you are not required to sign the certification, but you must provide your correct TIN. See the instructions on page 3.

Sign Signature ofHere U.S. person Date

Social security number

Employer identification number


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This form would only be used if there was a question as to the validity of the borrowers TIN (Taxpayer Identification Number). If borrower is a resident alien, sole proprietor etc., you need to refer to Part 1, Page 3.

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IMPORTANT ...... READ

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111865 123 Loan StreetCosta Mesa, CA 92626

Greg AmayaTest41

Greg AmayaTest41

_________________________________________Greg AmayaTest41

CALIFORNIA

Greg AmayaTest41

,proved to me on the basis of satisfactory evidence to be the person(s) who appearedbefore me.

SIGNATURE/NAME AFFIDAVIT

RE: LOAN NUMBER PROPERTY ADDRESS

BEFORE ME, the undersigned authority, a Notary Public in and for said County and State, on this day personallyappeared, _______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

who, after being by me first duly sworn, upon oath does depose and say:

THAT, _____________________________________________________________________________________________as the name is signed on the note and/or security instrument is one and the same person as;______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

as the name appears in various loan documents.

State of:

County of:

Subscribed and sworn to (or affirmed) before me on this ______________ day of _____________________ , _______ ,by ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

My Commission expires: ______________________________ _____________________________________________

(Seal) (Notary Public)

Name Affidavit 5/93

Online Documents, Inc. GSNA 0801


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This document is very important and can be tricky. There are no problems if the borrower's name appears on everything one way and it matches his ID and the way he signs. However, if there are additional or different names (aka's) you should refer to your instructions to see how you will need to handle this. You may have to add aka's but do not do it without asking first!

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Example: Greg J. AmayaTest41

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20thJune2011

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Without initial

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With initial

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SAY IT TO YOURSELF.............COUNTY WHERE MY FEET ARE PLANTED.

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Try to memorize your commission expiration date. You will have to use it almost every time you do a signing.

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YOUR SIGNATURE HERE

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When the work Seal is placed in the acknowledgment area of the document near your signature, that is where you will stamp the document.

LOAN #: 111865

CALIFORNIA


Greg AmayaTest41

X

X 123 Loan Street, Costa Mesa, CA 92626

AMERICASH

AMERICASH

_______________________________________________Greg AmayaTest41 Date/SEAL

State of: CALIFORNIA

County of:

Subscribed and sworn to (or affirmed) before me on this _____ day of _________________,by Greg AmayaTest41,proved to me on the basis of satisfactory evidence to be the person(s) who appearedbefore me.My Commission expires: _____________________________ ________________________________(Seal) (Notary Public)

Online Documents, Inc. GAOC 1007

AFFIDAVIT OF OCCUPANCY

STATE OF }COUNTY OF } SS.

Before me, the undersigned authority duly authorized to take acknowledgments and administer oaths personallyappeared:

(�Affiants�) who, upon being duly sworn, depose and say as follows:

1. Affiants hereby certify that, upon taking title to the real property described above, their occupancy statuswill be as follows:

[ ] 1.1 Primary Residence: I/we shall occupy, establish, and use the Property identified above as my/ourprincipal residence within 60 days after the execution of the Security Instrument and shall continue tooccupy the Property as my/our principal residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing.

[ ] 1.2 Second Home: I/we will occupy the property as a second home (vacation, etc) while maintaining aprincipal residence elsewhere.

[ ] 1.3 Investment Property: Not owner occupied. Purchased as an investment to be held or rented.

[ ] 1.4 REFINANCES ONLYI/we the undersigned certify that the property referenced above is NOT currently listed for sale or undercontract to be listed for sale.

I/we the undersigned acquired the property on ______________________ , ________ .

2. Affiants acknowledge that this Affidavit of Occupancy is given as a material inducement to cause:

to make a mortgage loan to Affiants and that any false statements, misrepresentations or materialomissions shall constitute a breach of the Affiant’s obligation to:

and that all the provisions of the mortgage indenture concerning default on the Promissory Note willthereupon be in full force and effect.

3. Affiants further acknowledge that they have read and understand the following:18 United States Code Section 1014:�Whoever knowingly makes any false statement or report,...for the purpose of influencing in any way theaction of...any institution the accounts of which are insured by the Federal Deposit Insurance Corporation,the Office of Thrift Supervision, any Federal home loan bank, the Federal Housing Finance Board, theFederal Deposit Insurance Corporation, the Resolution Trust Corporation, the Farm Credit SystemInsurance Corporation, or the National Credit Union Administration Board,...upon any application,...orloan,...shall be fined not more than $1,000,000 or imprisoned not more than 30 years or both.�

4. Theagreementsandcovenants containedhereinshall survive theclosing of the mortgage loan transaction.


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Ask borrower when they acquired property.

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County where your _______________________

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20th June, 2011

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When does your commission expire? Signature

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NOTARY STAMP HERE ALWAYS MAKE SURE YOUR STAMP IS COMPLETE, CLEAR, DARK ENOUGH TO RECORD IF NECESSARY AND NOT SMUDGED.

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LOAN #: 111865

Greg AmayaTest41

123 Loan Street, Costa 000-00-0001Mesa, CA 92626

USA PATRIOT ACT INFORMATION FORMCustomer Identification Verification

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financialinstitutions to obtain, verify, and record information that identifies every customer. When applying for a loan, applicantswill be asked for their name, address, date of birth, and other information that will allow lenders to identify them.Applicants may also be asked to show their driver’s license or other identifying documents.

THE FOLLOWING CUSTOMER INFORMATION MUST BE OBTAINED TO BE IN COMPLIANCE WITH THE USAPATRIOT ACT. THIS INFORMATION MUST BE RETAINED FOR FIVE YEARS AFTER THE ACCOUNT IS CLOSED.

Borrower Name: Date of Birth:

Residential Address: Tax Identification Number (SSN):

COMPLETE A SEPARATE FORM FOR EACH BORROWER.

FORMS OF IDENTIFICATION: Only One form of Verification is Required.

First Document List - Country/State of ID Number Date of Birth ExpirationOrigin Date

State Issued Driver LicenseState Issued ID CardMilitary ID CardPassportUS Alien Registration CardCanadian Driver License

Second Document List - Name of Issuer on ID Number Issuance Date ExpirationForm Date

Social Security Card U.S. GovtGovernment Issued VisaNon-US/Canadian Driver LicenseMost Recent Signed Tax Returns1 Fed State TIN:Property Tax Bill APN:Voter Registration CardOrganizational Membership CardBank/Investment/Loan Statements1

Paycheck stub with name1

Most Recent W-21

Home/car/renter insurance papersRecent utility bill

1 Do not verify identity with documents that illustrate income and/or assets if the documentation type for this loan precludes collection of such

documentation.

Comments: ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

I certify that I have personally viewed and accurately recorded the information from the documents identified above, andhave reasonably confirmed the identity of the Borrower.

__________________________________ __________________________________________ ________________Signature Printed Name/Title Date

Online Documents, Inc. G3PATRIO 1103


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This is a form you will be required to complete. Sometimes it will require a signature or initials of the borrower so you need to take a good look at this form so you don't miss anything.

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x

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CALIFORNIA H0609235 06/23/1955 06/23/2014

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X

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659-72-0002

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You as the signing agent will complete this form.

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YOUR SIGNATUREPRINT YOUR NAME, NOTARY SIGNING AGENTTODAY'S DATE

LOAN #: 111865

AMERICASH

Office of the Controller of CurrencyCustomer Assistance Group

1301 McKinney St, Suite 3710Houston, TX 77010


EQUAL CREDIT OPPORTUNITY ACT NOTICE

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basisof race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter intoa binding contract); or because all or part of the applicant’s income derives from any public assistance program; orbecause the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federalagency that administers compliance with this law concerning this creditor is:

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it consideredas a basis for reporting.

Online Documents, Inc. GNTC 1005


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Equal Opportunity Disclosure

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111865


AMERICASH


NOTICE OF FURNISHING NEGATIVE INFORMATION

Borrower: Date:

Loan Number:

Property Address:

Lender:

In accordance with the implementation of the Fair and Accurate Credit Transactions Act of 2003, weare required to provide you the following statement as prescribed by Section 217:

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATEPAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BEREFLECTED IN YOUR CREDIT REPORT.

69 FR 33281, 12 CFR Part 222 Model Notice B-1

Online Documents, Inc. GFACT 0904


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Love this one! This basically states that if you do not make your payments they may report your delinquency to the credit agencies.

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111865 06/20/2011

Greg AmayaTest41 $250,000.00

180 MONTHS

AMERICASH 4.000%

1 08/01/2011 $1,849.22 $1,015.89 $833.33 $248,984.11 $0.00

2 09/01/2011 $1,849.22 $1,019.27 $829.95 $247,964.84 $0.00

3 10/01/2011 $1,849.22 $1,022.67 $826.55 $246,942.17 $0.00

4 11/01/2011 $1,849.22 $1,026.08 $823.14 $245,916.09 $0.00

5 12/01/2011 $1,849.22 $1,029.50 $819.72 $244,886.59 $0.00

6 01/01/2012 $1,849.22 $1,032.93 $816.29 $243,853.66 $0.00

7 02/01/2012 $1,849.22 $1,036.37 $812.85 $242,817.29 $0.00

8 03/01/2012 $1,849.22 $1,039.83 $809.39 $241,777.46 $0.00

9 04/01/2012 $1,849.22 $1,043.30 $805.92 $240,734.16 $0.00

10 05/01/2012 $1,849.22 $1,046.77 $802.45 $239,687.39 $0.00

11 06/01/2012 $1,849.22 $1,050.26 $798.96 $238,637.13 $0.00

12 07/01/2012 $1,849.22 $1,053.76 $795.46 $237,583.37 $0.00

13 08/01/2012 $1,849.22 $1,057.28 $791.94 $236,526.09 $0.00

14 09/01/2012 $1,849.22 $1,060.80 $788.42 $235,465.29 $0.00

15 10/01/2012 $1,849.22 $1,064.34 $784.88 $234,400.95 $0.00

16 11/01/2012 $1,849.22 $1,067.88 $781.34 $233,333.07 $0.00

17 12/01/2012 $1,849.22 $1,071.44 $777.78 $232,261.63 $0.00

18 01/01/2013 $1,849.22 $1,075.01 $774.21 $231,186.62 $0.00

19 02/01/2013 $1,849.22 $1,078.60 $770.62 $230,108.02 $0.00

20 03/01/2013 $1,849.22 $1,082.19 $767.03 $229,025.83 $0.00

21 04/01/2013 $1,849.22 $1,085.80 $763.42 $227,940.03 $0.00

22 05/01/2013 $1,849.22 $1,089.42 $759.80 $226,850.61 $0.00

23 06/01/2013 $1,849.22 $1,093.05 $756.17 $225,757.56 $0.00

24 07/01/2013 $1,849.22 $1,096.69 $752.53 $224,660.87 $0.00

25 08/01/2013 $1,849.22 $1,100.35 $748.87 $223,560.52 $0.00

26 09/01/2013 $1,849.22 $1,104.02 $745.20 $222,456.50 $0.00

27 10/01/2013 $1,849.22 $1,107.70 $741.52 $221,348.80 $0.00

28 11/01/2013 $1,849.22 $1,111.39 $737.83 $220,237.41 $0.00

29 12/01/2013 $1,849.22 $1,115.10 $734.12 $219,122.31 $0.00

30 01/01/2014 $1,849.22 $1,118.81 $730.41 $218,003.50 $0.00

31 02/01/2014 $1,849.22 $1,122.54 $726.68 $216,880.96 $0.00

32 03/01/2014 $1,849.22 $1,126.28 $722.94 $215,754.68 $0.00

33 04/01/2014 $1,849.22 $1,130.04 $719.18 $214,624.64 $0.00

34 05/01/2014 $1,849.22 $1,133.80 $715.42 $213,490.84 $0.00

35 06/01/2014 $1,849.22 $1,137.58 $711.64 $212,353.26 $0.00

36 07/01/2014 $1,849.22 $1,141.38 $707.84 $211,211.88 $0.00

37 08/01/2014 $1,849.22 $1,145.18 $704.04 $210,066.70 $0.00

38 09/01/2014 $1,849.22 $1,149.00 $700.22 $208,917.70 $0.00

39 10/01/2014 $1,849.22 $1,152.83 $696.39 $207,764.87 $0.00

40 11/01/2014 $1,849.22 $1,156.67 $692.55 $206,608.20 $0.00

41 12/01/2014 $1,849.22 $1,160.53 $688.69 $205,447.67 $0.00

42 01/01/2015 $1,849.22 $1,164.39 $684.83 $204,283.28 $0.00

43 02/01/2015 $1,849.22 $1,168.28 $680.94 $203,115.00 $0.00

44 03/01/2015 $1,849.22 $1,172.17 $677.05 $201,942.83 $0.00

45 04/01/2015 $1,849.22 $1,176.08 $673.14 $200,766.75 $0.00

46 05/01/2015 $1,849.22 $1,180.00 $669.22 $199,586.75 $0.00

47 06/01/2015 $1,849.22 $1,183.93 $665.29 $198,402.82 $0.00

48 07/01/2015 $1,849.22 $1,187.88 $661.34 $197,214.94 $0.00

49 08/01/2015 $1,849.22 $1,191.84 $657.38 $196,023.10 $0.00

50 09/01/2015 $1,849.22 $1,195.81 $653.41 $194,827.29 $0.00

51 10/01/2015 $1,849.22 $1,199.80 $649.42 $193,627.49 $0.00

52 11/01/2015 $1,849.22 $1,203.80 $645.42 $192,423.69 $0.00

53 12/01/2015 $1,849.22 $1,207.81 $641.41 $191,215.88 $0.00

PAGE 1

AMORTIZATION SCHEDULE

Loan No.: Date:Borrower(s): Loan Amount:

Term:Lender: Interest Rate:

Pmt. # Pmt. Date Payment Principal Interest Ending PMI ResultingAmount Portion Portion Balance Pmt. LTV %

THIS AMORTIZATION SCHEDULE IS BASED ON THE TERMS SET FORTH ABOVE AND ASSUMES THAT PAYMENTSARE MADE AS SCHEDULED AND THAT NO PREPAYMENTS OCCUR PRIOR TO THE MATURITY DATE OF THE LOAN.IT IS PROVIDED AS AN EXAMPLE ONLY. IF IT IS FOR AN ADJUSTABLE RATE MORTGAGE LOAN, IT ASSUMESHYPOTHETICAL INTEREST RATE AND PAYMENT CHANGES THAT MAY DIFFER FROM ACTUAL CHANGES. PMIPAYMENT MAY BE DISCONTINUED PRIOR TO REACHING THE PMI CANCELLATION DATE IF PREMIUMS WERE PAIDAT THE TIME OF LOAN CLOSING.

© 1997-2009 Online Documents, Inc. GAMS 0905


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This is a good one to show and explain to the borrowers. This schedule provide information for each month from the 1st to last. By following the number of months across the page, all of the information for that month is printed on the form. Ex: 48 means the 48 month or 4 years into the loan. See heading for the information provided.

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LTV means Loan to Value. If the LTV is 80%, that means that the loan balance equals 80% of the total value of the property. Property value $100,000 LTV 80% or 80,000 Equity 20,000

111865 06/20/2011Greg AmayaTest41 $250,000.00

180 MONTHSAMERICASH 4.000%

160 11/01/2024 $1,849.22 $1,724.40 $124.82 $35,720.92 $0.00161 12/01/2024 $1,849.22 $1,730.15 $119.07 $33,990.77 $0.00162 01/01/2025 $1,849.22 $1,735.92 $113.30 $32,254.85 $0.00163 02/01/2025 $1,849.22 $1,741.70 $107.52 $30,513.15 $0.00164 03/01/2025 $1,849.22 $1,747.51 $101.71 $28,765.64 $0.00165 04/01/2025 $1,849.22 $1,753.33 $95.89 $27,012.31 $0.00166 05/01/2025 $1,849.22 $1,759.18 $90.04 $25,253.13 $0.00167 06/01/2025 $1,849.22 $1,765.04 $84.18 $23,488.09 $0.00168 07/01/2025 $1,849.22 $1,770.93 $78.29 $21,717.16 $0.00169 08/01/2025 $1,849.22 $1,776.83 $72.39 $19,940.33 $0.00170 09/01/2025 $1,849.22 $1,782.75 $66.47 $18,157.58 $0.00171 10/01/2025 $1,849.22 $1,788.69 $60.53 $16,368.89 $0.00172 11/01/2025 $1,849.22 $1,794.66 $54.56 $14,574.23 $0.00173 12/01/2025 $1,849.22 $1,800.64 $48.58 $12,773.59 $0.00174 01/01/2026 $1,849.22 $1,806.64 $42.58 $10,966.95 $0.00175 02/01/2026 $1,849.22 $1,812.66 $36.56 $9,154.29 $0.00176 03/01/2026 $1,849.22 $1,818.71 $30.51 $7,335.58 $0.00177 04/01/2026 $1,849.22 $1,824.77 $24.45 $5,510.81 $0.00178 05/01/2026 $1,849.22 $1,830.85 $18.37 $3,679.96 $0.00179 06/01/2026 $1,849.22 $1,836.95 $12.27 $1,843.01 $0.00180 07/01/2026 $1,849.15 $1,843.01 $6.14 $0.00 $0.00

_________________________________________Greg AmayaTest41

PAGE 4

AMORTIZATION SCHEDULE

Loan No.: Date:Borrower(s): Loan Amount:

Term:Lender: Interest Rate:

Pmt. # Pmt. Date Payment Principal Interest Ending PMI ResultingAmount Portion Portion Balance Pmt. LTV %

THIS AMORTIZATION SCHEDULE IS BASED ON THE TERMS SET FORTH ABOVE AND ASSUMES THAT PAYMENTSARE MADE AS SCHEDULED AND THAT NO PREPAYMENTS OCCUR PRIOR TO THE MATURITY DATE OF THE LOAN.IT IS PROVIDED AS AN EXAMPLE ONLY. IF IT IS FOR AN ADJUSTABLE RATE MORTGAGE LOAN, IT ASSUMESHYPOTHETICAL INTEREST RATE AND PAYMENT CHANGES THAT MAY DIFFER FROM ACTUAL CHANGES. PMIPAYMENT MAY BE DISCONTINUED PRIOR TO REACHING THE PMI CANCELLATION DATE IF PREMIUMS WERE PAIDAT THE TIME OF LOAN CLOSING.

© 1997-2009 Online Documents, Inc. GAMS 0905


Carol Ray

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Carol Ray

Note

180 Months is the last payment due on the loan to pay it in full.

X111865

X250,000.00 4.000 180


See preliminary title report

X X

NoCashOutOther

Greg AmayaTest41 A Single Man X

Greg AmayaTest41

000-00-0001

X 0Y123 Loan StreetCosta Mesa, CA 92626

IBM

Cisco

7,000.00

Uniform Residential Loan ApplicationThis application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as �Borrower� or�Co-Borrower�, as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assetsof 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 ofthe 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 orher liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in acommunity property state, the security property is located in a community property state, or the Borrower is relying on other property located in a communityproperty state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

____________________________________________________________ _________________________________________________________________Borrower Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOANMortgage VA Conventional Other (explain): Agency Case Number Lender Case NumberApplied for: FHA USDA/Rural Housing ServiceAmount Interest Rate No. of Months Amortization Fixed Rate Other (explain):$ % Type: GPM ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOANSubject 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): Property will be:Refinance Construction-Permanent Primary Secondary Investment

Residence ResidenceComplete this line if construction or construction-permanent loan.Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a + b)Acquired

$ $ $ $ $Complete this line if this is a refinance loan.Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be madeAcquired

$ $ Cost: $Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:

Fee SimpleSource of Down Payment, Settlement Charges and/or Subordinate Financing (explain) Leasehold

(show expiration date)

Borrower III. BORROWER INFORMATION Co-BorrowerBorrower’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. School

Married (include registered domestic partners) Dependents Married (include registered domestic partners) Dependents

Unmarried (include single, divorced, widowed) (not listed by Co-Borrower) Unmarried (include single, divorced, widowed) (not listed by Co-Borrower)

Separated no. ages Separated 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 different from Present Address Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:Former Address (street, city, state, ZIP) Own Rent ____________ No.Yrs. Former Address (street, city, state, ZIP) Own Rent ____________ No.Yrs.

Borrower IV. EMPLOYMENT INFORMATION Co-BorrowerName & Address of Employer Self Employed Yrs. on this job Name & Address of Employer Self Employed Yrs. on this job

Yrs. employed in this Yrs. employed in thisline of work/profession line of work/profession

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

If employed in current position for less than two years or if currently employed in more than one position, complete the following:Name & Address of Employer Self Employed Dates (from-to) Name & Address of Employer Self Employed Dates (from-to)

Monthly Income Monthly Income$ $


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

Monthly Income Monthly Income$ $


Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev.6/09) Fannie Mae Form 1003 7/05 (rev.6/09)Online Documents, Inc. Page 1 of 4 GURLA1CA 1004


Carol Ray

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Carol Ray

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Carol Ray

Sign Here

Carol Ray

Note

Watch for signature or initials or both at the bottom of every page of the Loan Application.

Carol Ray

Note

If there is no name indicated in the Co-Borrowers section and the Borrower is married, that is an indication that the spouse may be a Non-Borrowing Spouse.

Carol Ray

Note

Only Borrowers who are listed on this 1003 will sign at the top of this form. Non-Borrowing spouses will not sign this form unless their credit information was used to approve this loan.

LOAN #: 111865

7,500.00 7,500.001,849.22

500.00800.00

1,170.00 1,170.00

8,670.00 8,670.00 3,149.22

(B1)Wells 2,200.00 245,000.00

/340Wells *

(B1)123 5,500 Citi 750.00 55,000.00

/300Wells

789 25,000

30,500

500,000

750.00530,500 230,500 300,000

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATIONGross Monthly Income Borrower Co-Borrower Total Combined Monthly Present Proposed

Housing ExpenseBase Empl. Income* $ $ $ Rent $Overtime First Mortgage (P&I) $Bonuses Other Financing (P&I)Commissions Hazard InsuranceDividends/Interest Real Estate TaxesNet Rental Income Mortgage InsuranceOther (before completing, Homeowner Assn. Duessee the notice in �describe Other:other income,� below)

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

$

VI. ASSETS AND LIABILITIESThis Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilitiesare sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedulesare required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must becompleted about that spouse or other person also. Completed Jointly Not Jointly

ASSETS Cash or Market Liabilities and Pledged Assets. List the creditor’s name, address and account number for all outstanding

Description Value debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,

Cash Deposit toward purchase held by: $ stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be

satisfied upon sale of real estate owned or upon refinancing of the subject property.

LIABILITIES Monthly Pmt. & Unpaid

Mos Left to Pay Balance

Name and address of Company $ Pmt./Mos. $List checking and savings accounts belowName and address of Bank, S&L, or Credit Union

Acct. no.Name and address of Company $ Pmt./Mos. $

Acct. no. $Name and address of Bank, S&L, or Credit Union






Acct. no. $Stocks & Bonds(Company name/number & description) $


Life insurance net cash value $Face amount: $Subtotal Liquid Assets $Real estate owned (enter market value $from schedule of real estate owned) Acct. no.Vested interest in retirement fund $ Name and address of Company $ Pmt./Mos. $Net worth of business(es) owned $(attach financial statement)Automobiles owned (make and year) $

Acct. no.Alimony/Child Support/Separate Maintenance $

Other Assets (itemize) $ Payments Owed to:Job Related Expense (child care, union dues, etc.) $

Total Monthly Payments $Total Assets a. $ Net Worth (a minus b) $ Total Liabilities b. $

Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev.6/09) Fannie Mae Form 1003 7/05 (rev.6/09)Online Documents, Inc. Page 2 of 4 GURLA 1004


Carol Ray

Note

Again, watch for signature and initials!

LOAN #: 111865

SEE ADDENDUM

500,000 300,000 2,740 2,950 2,120 1,170

X245,000.00 X

2,791.803,255.00 X

X

251,046.80

X

X

XXX

XX

X

X250,000.00

PR250,000.00

1,046.80 S

X

XX

X

Officer Test 2222 800-418-6565

Americash 2036 2955 Red Hill Ave Suite 200Costa Mesa, CA 92626

a. Purchase price $b. Alterations, improvements, repairsc. Land (if acquired separately)d. Refinance (incl. debts to be paid off)e. Estimated prepaid itemsf. Estimated closing costsg. PMI, MIP, Funding Feeh. Discount (if Borrower will pay)i. Total costs (add items a through h)j. Subordinate financingk. Borrower’s closing costs paid by Sellerl. Other Credits (explain)

m.Loan amount (exclude PMI, MIP,Funding Fee financed)

n. PMI, MIP, Funding Fee financedo. Loan amount (add m & n)p. Cash from/to Borrower

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

If you answer �Yes� to any questions a through i, please Borrower Co-Borrower

use continuation sheet for explanation. Yes No Yes No

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?e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure,

transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home

mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile)

home loans, any mortgage, financial obligation, bond, or loan guarantee. If �Yes,� provide details,

including date, name and address of Lender, FHA or VA case number, if any, and reasons for the

action.)

f. Are you presently delinquent or in default on any Federal debt orany other loan, mortgage, financial obligation, bond, or loan guarantee?If �Yes,� give details as described in the preceding question.

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

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?k. Are you a permanent resident alien?l. Do you intend to occupy the property as your primary

residence? If �Yes,� complete question m below.

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)? ________ _________(2) How did you hold title to the home - solely by yourself

(S), jointly with your spouse (SP), or jointly with anotherperson (O)? ________ ________

IX. ACKNOWLEDGMENT AND AGREEMENTEach of the undersigned specifically represents to Lender and to Lender’s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assignsand agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional ornegligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss dueto reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under theprovisions of Title 18, United States Code, Sec. 1001, et. seq.; (2) the loan requested pursuant to this application (the �Loan�) will be secured by a mortgage or deed of trust onthe 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 forthe purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns mayretain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors andassigns 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 anyof the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender,its servicers, successors or assigns, may in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information toone 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 propertyor 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 definedin applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be aseffective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any informationcontained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in thisapplication or a consumer reporting agency.Borrower’s Signature Date Co-Borrower’s Signature Date

X XX. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender’s compliance with equal creditopportunity, 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 maynot discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish this information, please provide both ethnicity and race. For race, youmay check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visualobservation or surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the abovematerial to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

BORROWER I do not wish to furnish this information. 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 Race: American Indian or Asian Black or

Alaska Native African American Alaska Native African American

Native Hawaiian or Other Pacific Islander White Native Hawaiian or Other Pacific Islander White

Sex: Female Male Sex: Female Male

To be Completed by Loan Originator:This information was provided: In a face-to-face interview By the applicant and submitted by fax or mail

In a telephone interview By the applicant and submitted via e-mail or the InternetLoan Originator’s Signature

X Date

Loan Originator’s Name (print or type) Loan Originator Identifier Loan Originator’s Phone Number (including area code)

Loan Origination Company’s Name Loan Origination Company Identifier Loan Origination Company’s Address

VI. ASSETS AND LIABILITIES (cont.)Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.) Insurance,

Property Address (enter S if sold, PS if pending sale Type of Present Amount of Gross Mortgage Maintenance, Net

or R if rental being held for income) Property Market Value Mortgages & Liens Rental Income Payments Taxes & Misc. 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

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev.6/09) Fannie Mae Form 1003 7/05 (rev.6/09)Online Documents, Inc. Page 3 of 4 GURLA 1004


Carol Ray

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Carol Ray

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Carol Ray

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Carol Ray

Note

The loan application will be completed when you receive it in the loan package. Never have a borrower sign unless completed.

Greg AmayaTest41

111865

SCHEDULE OF REAL ESTATE OWNED CONT'D

Property Address Type Market Mortgage Gross Rnt Mortgage Mntnce Net RntProp Value & Liens Income Payments Taxes Income

123 Loan Street, Costa Mesa, CA 92626 R SFR 500,000 245,000 2,200 1,300789 Round cir, Costa Mesa, CA 92626 R SFR 55,000 1,540 750 520 27045 slow down, Mission Viejo, CA 92691 R SFR 1,200 300 900

GURLA

CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATIONBorrower: Agency Case Number:

Use this continuation sheet ifyou need more space tocomplete the Residential Loan Co-Borrower: Lender Case Number:Application. Mark B forBorrower or C for Co-Borrower

Under California Civil Code 1812.30(j) �Credit applications for the obtainment of money, goods, labor, or services shall clearly specify that theapplicant, if married, may apply for a separate account.�

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of theabove facts as applicable under the provisions of Title 18, United States Code, Section 1001, et. seq.Borrower’s Signature: Date Co-Borrower’s Signature: Date

X X

Uniform Residential Loan ApplicationFreddie Mac Form 65 7/05 (rev.6/09) Fannie Mae Form 1003 7/05 (rev.6/09)Online Documents, Inc. Page 4 of 4 GURLA4CA 1004


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Carol Ray

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111865


AMERICASH Officer Test

License #: 2036 License #: 3333NMLS #: 2222

X

760300-850

X

740300-850

X

750300-850

CALIFORNIA CREDIT SCORE DISCLOSURE

Borrower(s): Date:

Loan Number:

Property Address:

Lender/Broker: Loan Originator:

Pursuant to Section 1785.20.2(a) of the CA Civil Codewe are providing the following information regarding your credit score:

EquifaxP.O. Box 740241Atlanta, GA 303741-800-685-1111www.equifax.com

The credit score used in evaluating your request for extension of credit is:Credit Score Date: Credit Score Range:The key factors that adversely affected your credit score are:

TransUnionP.O. Box 1000Chester, PA 190221-800-888-4213www.transunion.com


ExperianP.O. Box 2002Allen, TX 750131-888-397-3742www.experian.com


Online Documents, Inc. CA2CRDIS 0911


Carol Ray

Highlight

Carol Ray

Note

This form gives the name of the three major credit agencies, their addresses and contact information so borrower can contact them for their credit reports or if they question the credit scores given to them. Sometimes this form will provide borrower with their credit scores.

: 111865

: $250,000.00

: 123 Loan StreetCosta Mesa, CA 92626

JUNE 20, 2011

AMERICASH, A CALIFORNIA CORPORATION

Greg AmayaTest41


AMERICASH, A CALIFORNIA CORPORATION

ALLONGE TO NOTE

LOAN #

LOAN AMOUNT

PROPERTY ADDRESS

ALLONGE TO NOTE DATED

IN FAVOR OF

AND EXECUTED BY

PAY TO THE ORDER OF

WITHOUT RECOURSE

BY ______________________________________

TITLE ____________________________________

Document #L444 LFF305

© 1995-2003 Online Documents, Inc. GN13 0301


Carol Ray

Note

The Allonge is a document which is used to transfer the interest in a Note from one lender to another. This is the form that is used when a loan is sold at or after the close of escrow. You do not need to do anything with this except turn it over.

Carol Ray

Highlight

LOAN #: 111865

PRIVACY POLICY

This Policy explains what Chase does to keep information about you private and secure. We want you to know how wemanage that information to serve you and that you have choices about how it is shared. This Policy covers our familyof companies, a partial list of which is contained at the end of this Policy. Please read this Policy carefully.

Q. What information do you have about me?A. To provide services and to help meet your needs, we collect information about you from various sources.

� We get information from your requests for our products or services. One example is income on loan applications.� We get information about your transactions with us and with others. For example, we have your account balance

information.� We get information, such as your credit history, from credit bureaus.

Q. How do you safeguard information about me?A. We take a number of steps to protect the privacy of information about you. Here are some examples:

� We keep information under physical, electronic or procedural controls that comply with or exceed governmentalstandards.

� We authorize our employees, agents and contractors to get information about you only when they need it to dotheir work for us.

� We require companies working for us to protect information. They agree to use it only to provide the serviceswe ask them to perform for us.

Q. Is information about me shared within your family of companies?A. Yes. We may share information about you within our family as required or permitted by law. This helps us to offer youfinancial products and services, such as loans, deposits, investments, credit cards and insurance.

Q. Is information about me shared with service providers and financial companies outside your family ofcompanies?A. Yes, as permitted by law. We may share information about you with outside companies that work for us. These mayinclude firms that assist in marketing our products. We may also share information about you with outside financialcompanies that have joint marketing agreements with us. These arrangements give you the opportunity to receiveadditional products or services.

Q. Is information about me shared with non-financial companies outside your family of companies?A. Yes. We may share information about you with companies outside of our family as permitted by law, including retailers,auto dealers, auto makers, direct marketers, membership clubs and publishers.

Q. Is information about me shared in any other ways?A. Yes. We may also share information about you in other ways, as required or permitted by law. Here are some examplesof ways that we share information.

� To protect against fraud.� To respond to a subpoena.� To service your account.� To report to a credit bureau.� With your consent.

Q. What choices do I have about information sharing and use?A. We offer you the following three choices about sharing information that identifies you:

Choice #1. Third party sharing: You may tell us not to share information about you with non-financial companies outsideof our family of companies. Even if you do tell us not to share, we may do so as required or permitted by law. Also if youhave authorized us to share information in connection with a particular product or service, we will continue to shareinformation about you in connection with that product or service. For example, you might have a credit card with oneof our airline, retail or university partners that offers rewards programs.

and

Choice #2. Affiliate sharing: You may tell us not to share the following information about you within our family ofcompanies:

� Information from your applications to be used to determine your eligibility, such as your income.� Information from consumer credit reports, such as your credit history.� Information from sources used to verify information you provide us, such as outstanding loans or employment

history.

Even if you do tell us not to share, we may share other types of information within our family. For example, we may sharename and address, information about transactions or balances with us, as well as survey results.

Online Documents, Inc. Page 1 of 3 I163PRV 0909


Carol Ray

Note

This document just explains in detail the privacy policy of the lender. These forms will vary from lender to lender but contain much the same information. Sometimes the borrower is required to sign this document.

Recorded at the Request of:

When Recorded, mail to:

Order No:SUBORDINATION AGREEMENT

NOTICE: THIS SUBORDINATION AGREEMENT RESULTS IN YOUR SECURITY INTEREST IN THE PROPERTYBECOMING SUBJECT TO AND OF LOWER PRIORITY THAN THE LIEN OF SOME OTHER OR LATERSECURITY INSTRUMENT.

THIS AGREEMENT, made this __ day of .,19__ , by

owner of the land hereinafter described and hereinafter referred to as "Owner", and

present owner and holder of the deed of trust and note first hereinafter described and hereinafter referred to as"Beneficiary";

WITNESSETH:THAT, WHEREAS,

did execute a deed of trust dated to, as Trustee, covering

to secure a note in the sum of , dated , in favor of

which was recordedRecording No.

, in Docket, Official Records of said County; and

,at page , or

WHEREAS, Owner has executed, or is about to execute, a deed of trust and note in the sum ofdated , in favor of

hereinafter referred to as "Lender", payable with interest and upon the terms and conditions described therein,which deed of trust is to be recorded concurrently herewith; and

WHEREAS, it is a condition precedent to obtaining said loan that said deed of trust last above mentioned shallunconditionally be and remain at all times a lien or charge upon the land herein above described, prior and superiorto the lien or charge of the deed of trust first above mentioned; and

WHEREAS, Lender is willing to make said loan provided the deed of trust securing the same is a lien or chargeupon the above described property prior and superior to the lien or charge of the deed of trust first abovementioned and provided that Beneficiary will specifically and unconditionally subordinate the lien or charge of thedeed of trust first above mentioned to the lien or charge of the deed of trust in favor of Lender; and

WHEREAS, it is to the mutual benefit of the parties hereto that Lender make such loan to Owner; and Beneficiary iswilling that the deed of trust securing the same shall, when recorded, constitute a lien or charge upon said landwhich is unconditionally prior and superior to the lien or charge of the deed of trust first above mentioned; and

WHEREAS, it is understood by the parties executing this agreement that any loan proceeds obtained by the ownermay be unconditionally expended for any purpose.

NOW, THEREFORE, in consideration of the mutual benefits accruing to the parties hereto and other valuableconsideration, the receipt and sufficiency of which consideration is hereby acknowledged, and in order to inducelender to make the loan above referred to, it is hereby declared, understood and agreed as follows:

1. That said deed of trust securing said note in favor of Lender, and any renewals or extensions thereof,shall unconditionally be and remain at all times a lien or charge on the property therein described, priorand superior to the lien or charge of the deed of trust first above mentioned;

2. That Lender would not make its loan above described without this subordination agreement; and

Carol Ray

Note

A Subordination Agreement is executed by a lien holder agreeing be subject to, and in a lower priority position than the new loan being placed on the property. Without the execution and recordation of this document, a Second Deed of Trust could move into first position over the new loan.

Recorded at the Request of:When Recorded, mail to:

Order No:

Warranty DeedFor the consideration of Ten Dollars, and other valuable consideration, I, or we,

JOHN SMITH AND MARY SMITH THESE ARE THE GRANTORS

do hereby convey to ROBERT JONES AND SHIRLEY JONES, HUSBAND AND WIFE, AS JOINT TENANTSWITH THE RIGHT OF SURVIVORSHIP

THESE ARE THE GRANTEES

the following real property located in MARICOPA County, Arizona:

LEGAL DESCRIPTION GOES HERE

Subject to current taxes and other assessments, reservations in patents and all easements, rights-of-way,encumbrances, liens, covenants, conditions, restrictions, obligations and liabilities as may appear of record, theGrantor warrants the title against all persons whomsoever.

Dated: JANUARY 5, 2010

JOHN SMITH

MARY SMITH

State of ARIZONACounty of __ MAR="'I:.;C:.;O:..:P-'-A=--_ }ss Date of Acknowledgement JANUARY 6, 2010

Acknowledgement of JOHN SMITH AND MARY SMITH

This instrument was acknowledged before me this date by the persons above-subscribed and if subscribed in arepresentative capacity, then for the principal named and in the capacity indicated.

Notary PublicMy Commission Expires: 09/04/2012

State of YOUR STATECounty of YOUR COUNTY }ss. Date of Acknowledgement DATE OF SIGNING

Acknowledgement of NAME OF PARTY OR PARTIES THAT SIGNED BEFORE YOU ON THE SAME DAY.


NOTARY STAMP NOTARY SIGNATURENotary Public

My Commission Expires: ON YOUR COMMISSION

NOTE; The parties are cautioned that by completing and executing this document, legal rights, duties andobligations are created. By signing, the parties acknowledge that they have been advised to seek and obtainindependent legal counsel as to all matters contained in the within document prior to signing same and that saidparties have obtained advice or choose to proceed without same.

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There are several types of Deeds which are used to convey the interest in a property from the Grantors (current owners of record), to the Grantees (the new owners of record). This document is always signed, notarized and recorded at close of escrow.

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Grantors: Person(s) transferring interest in property to another person(s). Example: Seller

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Grantees: Person(s) coming into title of subject property. Example: Buyers

RECORDING REQUESTED BY

AND WHEN RECORDED MAIL TO:

Name THIS IS A FORM WHICH IS COMPLETEDAND RECORDED WITH A CERTIFIED COpyOF A DEATH CERTIFICATE WHENREMOVING A JOINT TENANT FROM APROPERTY DUE TO THE DEATH OF THATJOINT TENANT. a

StreetAddress

City &StateZip

Title Order No. Escrow No.

SPACE ABOVE THIS LINE FOR RECORDER'S USE

Affidavit - Death of Joint TenantSTATE OF CALIFORNIA, Assessors Parcel Number:

County of

That

, of legal age, being first duly sworn, deposes, and says:

, the decedent mentioned in the attached certi lied copy of

Certificate of Death, is the same person as

named as one of the parties in that certain

executed by

to

as joint tenants, recorded as Instrument No.

book , page , of Official. Records of

County, California, covering the following described property situated in the

dated

, on

County of ,State of California:

That the value of all real and personal property owned by said decedent at the date of death, including the full value of the property

above described, did not then exceed the sum of$

State ofCalifomia, County of

Subscribed and sworn to (or affirmed) before me on this _

day of --> -->,by

proved to me OD the basis of satisfactory evidence to be the person

(s) who appeared before me

Date: _

Signature

Name Typed or PrintedFOR NOTARY SEAL OR STAMP

, in

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County where your feet are planted

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20th

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June 2011

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name of surviving joint tenant

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June 20, 2011

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NOTARY SIGN HERE

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YOUR NAME PRINTED

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NOTARY STAMP HERE



AND WHEN RECORDED MAIL THIS DEED AND, UNLESS OTHERWISESHOWN BELOW. MAil TAX STATEMENT TO:

Name

StreetAddress

City &StateZip


Grant DeedTHE UNDERSIGNED GRANTOR (S) DECLARE (S)

DOCillvtENTARY TRANSFER TAXIS $ _

unincorporated area Ci~of _

Parcel No.Dcomputed. o-n-fi-::i.ill-:-:-v-a-olu-e-of-:::-in-C-te-re-s-t-o-r-p-ro-p-ertyconveyed, orocomputed on full value less value of liens or encumbrances remaining at time of sale, and

FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged,

hereby GRANT(S) to

the following described real property in the

county of , state of California

Dared _

STATE OF CALIFORNIACOUNTY OF

On before me,

(here insert name and tille of the officer)

, personally appeared _

who proved to me on the basis of satisfactory evidence to be theperson(s} whose name{s} is/are subscribed to the within instrumentand acknowledged to me that hefshelthey executed the same inhisfherltheir authorized capacity(ies), and that by his/her!theirsignature(s) on the instrument the person{s), or the entity upon behalfof which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the state ofCalifornia that the foregoing paragraph is true and correct

WITNESS my hand and official seal

Signarure _(ThlSarea for official notarial seal)

MAIL TA..XSTATEMENTS TO PARTY SHOWN ON FOLLOWING LINE; IF NO PARTY SHOWN, MAIL AS DIRECTED ABOVE

Name Street Address City & State

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Another type of Deed which conveys property from Grantor to Grantee


AND WHEN R!;CORDED MAIL 11-IIS D!;ED AND, UNLESS OTIiERWISESHOWN BELOW, MAIL TAX STATEMENT TO:

Name

StreetAddress

City &StateZip



Interspousal Grant DeedTHE UNDERSfGNED GRANTOR DECLARES

The Documentary transfer tax is (none).

There is no consideratioa for tbis transfer. Tbis is an interspousal transfer under Revenue & Taxatien Code § 63.Parcel No. _

Grantor,

hereby GRANT(S) to

the following described real property in the

Grantee,

County of , state of California

THE GRANTOR IS EXECUTING THIS [NSTRUMENT fOR THE PURPOSE OF RELINQUISHING ALL Of GRANTORS RlGfITS, TITLEAND TNTEREST INCLUDING, BUT NOT LIMITED TO, ANY COMt'vfmHTY PROPERTY INTEREST IN AND TO THE LANDDESCRLBED HEREIN AND PLACE TITLE LNTHE NAME OF THE GRANTEE, AS illS/HER SEPARATE PROPERTYDMed _

STATE OF CALIFORNIACOUNTY OF

On before me,

(here insert name and title of the officer)

,personally appeared _

who proved to me on the basis of satisfactory evidence to be theperson(s} whose name(s) isfare subscribed to the within instrumentand acknowledged to me that hefshefthey executed the same inhis/herftheir authorized capacity(ies), and that by hisfherftheirsignalure{s) on the instrument the person{s). or the entity upon behalfof which the person{s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the state ofCalifornia that the foregoing paragraph is true and correct.

WITNESS my hand and official seal

Signature _(This area for offICial notarial seal)

MArL TAX STATEMENTS TO PARTY SHOWN ON FOLLOWING LINE; IF NO PARTV SHOWN, MAIL AS DIRECfED ABOVE

Name Street Address City&Sta!e

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This is a deed used when one spouse is conveyance an interest in the property to his or her spouse.

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77

Recorded at the Request of:When Recorded, mail to:

Order No:

Disclaimer DeedWITNESSETH THIS DISCLAIMER DEED, made by

hereinafter called the 'undersigned" to

hereinafter called "the spouse:

WHEREAS:1. The spouse has acquired title to the following described property located in County, Arizona:

2. The property above described is the sole and separate property of the spouse having been purchased withseparate funds of the spouse or was a gift or devise made to the spouse as the spouse's sole and separateproperty.

3. The undersigned has no past or present right, title, interest, claim or lien of any kind or nature whatsoever in, toor against said property.

4. This instrument is executed, not for the purpose of making a gift to the spouse, but solely for the purpose ofclearly showing of record that the undersigned has and claims no interest in and to said property.

NOW THEREFORE, in consideration of the premises, the undersigned does hereby disclaim, remise, release andquit claim unto the spouse and to the heirs and assigns of said spouse forever, all right, title, interest, claim anddemand which the undersigned might appear to have in and to the above described property.

Dated:

State of

County of_______ }ss.

Date of Acknowledgement

Acknowledgement of


Notary Public

My commission expires:

NOTE; The parties are cautioned that by completing and executing this document, legal rights, duties andobligations are created. By signing, the parties acknowledge that they have been advised to seek and obtainindependent legal counsel as to all matters contained in the within document prior to signing same and that saidparties have obtained advice or choose to proceed without same.

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Hubert Husband

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Winona Wife

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Whatever

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LEGAL DESCRIPTION GOES HERE

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DATE OF SIGNING

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NOTARY STAMP HERE

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This Disclaimer Deed is used quite often in Community Property states. It clearly states that the spouse of the owner clearly has no interest in this property.

CERTIFICATION OF TRUST

The undersigned, trustee(s) of the _confirm the following facts:

(1) The above trust is in existence and the trust instrument was executed_____________ (date).

(2) The settlor or settlors of the trust is/are: -----------------(3) The trustee or trustees of the trust is/are; _

(4) The trust is (revocable or irrevocable)

(5) If there is a power to revoke the trust, the person holding the power to revoke is

(6) Ifthere are multiple trustees, the signature authority of the trustees is _

(7) If there are multiple trustees, the number of the currently acting trustees requiredto sign in order to exercise various powers of the trustee is -------

(8) The trust identification number is (social securitynumber or an employer identification number).

(9) The manner in which title to trust assets should be taken is _

(10) The trust has not been revoked, modified, or amended in any manner which wouldcause the representations contained in the certification of trust to be incorrect.

(11) This Certification is being signed by all of the currently acting trustees of the trust.DATED: _

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Note

You will see this form quite often. It is used when the borrowers have placed subject property into a Trust. This form will need to be completed at the closing table most of the time. Basically this form provides information about the trust. It also states that the trust is still in force and there have been no significant changes.

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Name of the Trust here such as the Smith Family Trust dated March 30, 2005

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March 30, 2005

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name of Trustees

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Name of trustees

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Usually a Revocable Trust but never assume. Always ask

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Probably names of trustees

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Date of signing

CERTIFICATE OF ACKNOWLEDGEMENT OF NOTARY PUBLIC

STATE OF CALIFORNIA, )COUNTY OF )

On before me, -----------------------------(here insert name and title of the officer), personally appeared__ -----:- ' who proved to me on the basis ofsatisfactory evidence to be the person(s) whose name(s) is/are subscribed to the withininstrument and acknowledged to me that he/she/they executed the same in hislher/theirauthorized capacity(ies), and that by hislher/their signature(s) on the instrument theperson( s), or the entity upon behalf of which the person( s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California thatthe foregoing paragraph is true and correct.


Signature (Seal)

CERTIFICATE OF ACKNOWLEDGEMENT OF NOTARY PUBLIC

STATE OF CALIFORNIA, )COUNTY OF )

On before me,, (here insert name and title of the officer),-----------------------------

personally appeared , who proved to me onthe basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed tothe within instrument and acknowledged to me that he/she/they executed the same inhislher/their authorized capacity(ies), and that by his/her/their signature( s) on theinstrument the person(s), or the entity upon behalf of which the person(s) acted, executedthe instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California thatthe foregoing paragraph is true and correct.


Signature (Seal)

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XXXXXXXXXXX

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Arizona

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Maricopa

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June 20, 2011 Your Name

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Names of Trustees

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Your Signature

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YOUR NOTARY STAMP HERE

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Sometimes a document which is to be notarized does not have the acknowledgment on the same page. Therefore, they lender will include a separate page for you to complete, sign and stamp. It is a good idea to get an acknowledgment approved by your state and keep a blank copy in your computer for use when you need an acknowledgment and none has been provided.

BORROWERS’ AFFIDAVIT AS TO DEBTS AND LIENS

STATE OF ____________________

COUNTY OF ______________

BEFORE ME, the undersigned authority, on this day, personally appeared the undersigned (hereinafter called Affiant, whether one or more) and each on his or her oath, deposes and says, as follows:

1. Affiant is the owner of the following described property (the “Property”):

2. See Exhibit “A” attached hereto and incorporated here in by reference.

3. Affiant desires to obtain a loan secured by the Property and has requested Old RepublicTitle Insurance Company to issue a title policy guarantying the title to the Property to the Lender.

4. In connection with the issuance of such policy, Affiant makes the following statement of facts:

That Affiant owes no past due Federal or State taxes and that there are no delinquent Federal assessments presently existing against Affiant, and that no Federal or State Liens have been filed against Affiant.

That there are no delinquent State, County, City, School District, Water District or other governmental agency taxes due or owing against said property and that no tax suit has been filed by any State, County, Municipal Water District or other governmental agency for taxes levied against the Property.

All labor and material used in the construction of improvements or repairs, if any, on the Property have been paid for and there are now no unpaid labor or material claims against the improvements or repairs, if any, or the Property, and Affiant hereby declares that all sums of money due for the erection of improvements or repairs, if any, have been fully paid and satisfied and there are no Mechanic’s or Material men’s liens or claims against the Property.

That no paving assessments or liens have been filed against the Property, and Affiant owes no paving charges.

That there are no judgment liens filed against Affiant.

That there are no suits pending against Affiant in Federal or State Court.

That Affiant knows of no adverse claim to the Property and that so far as Affiant knows, there are no encroachments or boundary conflicts.

That there are no outstanding home improvement loans, recorded or unrecorded, except as follows: None; or: _________________________________________________.

That Affiant has not sold, contracted to sell, or conveyed any part of the Property.

No unpaid debts for electric or plumbing fixtures, water heaters, floor furnaces, air conditioners, radio or television antennae, carpeting, rugs, lawn sprinkling systems,

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COLORADO

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BROWN

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X

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In this Affidavit the Borrower is swearing or affirming that the statements in this document are true. This document requires a Jurat as opposed to an Acknowledgment.

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venetian blinds, window shades, draperies, electric appliances, fences, street paving, orany personal property or fixtures that are located on the Property, and that no such itemshave been purchased on time payment contracts, and there are no security interests onsuch property secured by financing statements, security agreement or otherwise exceptthe following: [lgNone; or: Secured Party: and Approximate Amount:

• That there are no loans of any kind on the Property, except as follows:~ None; or:

4. Affiant recognizes that but for the making of the hereinabove statements of fact relative to theProperty,.~, . ~ . would not issue a title policy on the Propertyand that such statements have been made as a material inducement for the issuance of the titlepolicy.

INDEMNITY: I/WE AGREE TO PAY ON DEMAND TO THE LENDER AND/OR TITLE COMPANIES IN THISTRANSACTION, THEIR SUCCESSORS AND ASSIGNS, ALL AMOUNTS SECURED BY ANY AND ALL LIENS,CLAIMS, OR RIGHTS NOT SHOWN ABOVE, TOGETHER WITH ALL COSTS, LOSS, LIENS OR CLAIMS ORRIGHTS EITHER CURRENTLY AGAINST THE PROPERTY, OR A PART HEREOF, OR THAT ARESUBSEQUENTLY ESTABLISHED AGAINST THE PROPERTY AND ARE CREATED BY ME/US, KNOWN TOME/US, OR HAVEAN INCEPTION DATE PRIOR TO THE CLOSING OF THIS TRANSACTION AND RECORDINGOF THE DEEDAND/OR MORTGAGE.

WITNESS my hand this l5TH day of __ J_U_L_Y ---', 20 II .

-,J::..:; AMEc::.· .:::=S:.....:::D.::.OU::.;G::..:LA=S:.......=S:.:,MI::.;TH==-__ , Borrower/Affiant

_MAR:..::..::::.:..:Y:.....:.;ANN=;·.....;S:::..:M.:.,;·I::..::TH=- • Borrower/Affiant

ao,u.SWORN TO AND SUBSCRIBED BEFORE ME, by JAMES DOUGLAS SMITH ANDMARY ANN SMITH ,this l5THday of;::,JUL""""'Y"'--__

Notary PublicPrint Name and Date Comm. Expires: OS/OB/20l4JERRY MCDONALD

STATEOF _

COUNTY OF _

This instrument was acknowledged before me this __ day of , 20__ , by

Notary PublicPrint Name and Date Comm. Expires:

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ABC TITLE COMPANY OF KANSAS,

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No need to list loans that are being paid off through the escrow.

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NOTARY SEAL HERE. Must be clear, dark enough to photocopy and complete. This is for the Jurat.

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This form when signed by the notary, constitutes both an Acknowledgment and a Jurat. The Jurat is the top one.

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Indiana

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Brown

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15thJuly 11

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JERRY MCDONALD

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05/08/2014

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And a second seal here. This one is the acknowledgment.

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BORROWER’S LIABILITY FOR INSUFFICIENT PAYOFFS

The Borrower hereby acknowledges that the possibility exists that the amount(s) being

collected to satisfy their debt(s), as enumerated on the first page of the Settlement Statement,

may be insufficient to satisfy said debts. Borrower further acknowledges that they shall remain

responsible for said debts and will undertake, once notified of any insufficient payoff amounts, to

satisfy the remaining outstanding balance immediately.

Borrower agrees to indemnify and save Cogent Closing Associates, LLC harmless against

any and all liability, costs, losses, damages, attorneys’ fees, and expenses of whatever kind or

nature which the Company may incur or sustain as a result of any insufficient funds not being

paid in a timely manner. Furthermore, if the Borrower fails to expeditiously commence to satisfy

any outstanding debts due to insufficient payoffs, then the Borrower agrees that the Company,

in its sole discretion, may satisfy such insufficient amounts owing, and the Borrower further agrees

to re-pay the Company the amount paid on their behalf, plus any and all expenses incurred by

the Company resulting from satisfy the insufficiency.

Further, in the event that the Company commences an action against Borrower to

enforce its rights under this Agreement or to seek the recovery of any sums for any liability, costs,

losses, damages, attorneys’ fees and/or other expenses incurred by the Company for which the

Borrower is liable under this Agreement, the Borrower shall also be liable for all costs of any such

action brought by the Company including reasonable attorneys’ fees.

Dated ___________________, 20 _____.

_________________________________ _________________________________

Borrower Signature Borrower Signature

_________________________________ _________________________________

Print Borrower Name Print Borrower Name

STATE OF __________________

COUNTY OF_________________

THIS ______ day of __________________ , 20 ____ , before me personally appeared

_________________________________________ to me known and known by me to be the

party/parties executing the foregoing instrument, and he/she/they acknowledged said

instrument, by him/her/them executed, to be his/her/their free act and deed.

___________________________________

Notary Public

My Commission Expires:

INMorgan

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In the event the amount paid to the lender of record at close of escrow is wrong and does not pay the loan off in full, the borrower promises to pay any amount still owing.

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ALL-PURPOSE ACKNOWLEDGMENT

State of _

County of _

On before me, _DATE NAME OF NOTARY PUBLIC

personally appeared _NAME(S) OF SIGNER(S)

o personally known to me OR D proved to me on the basis of satisfactory evidence to be theperson(s) whose name(s) is/are subscribed to the withininstrument and acknowledged to me that he/she/theyexecuted the same in his/her/their authorizedcapacity(ies), an that by his/her/their signature(s) on theinstrument the person(s), or the entity upon behalf ofwhich the person(s) acted, executed the instrument.


Place Notary Seal or Stamp HereSIGNATURE OF NOTARY

ATTENTION NOTARY: Although the information requested below is OPTIONAL, it may prove valuable to personsrelying on this Acknowledgment and could prevent fraudulent reattachment of this certificate to another document.

DESCRIPTION OF ATTACHED DOCUMENT

---THIS CERTIFICATEMUST BE AITACHEDTO THE DOCUMENTDESCRIBED AT RIGHT

TITLE OR TYPE OF DOCUMENT

NUMBER OF PAGES

DATE OF DOCUMENT

SIGNER(S) OTHER THAN NAMED ABOVE

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INDIANA

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JULY 18, 2011

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YOUR NAME

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X

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MONROE

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MARTHA M. SMITH

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BORROWER AFFIDAVIT

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TWO (2)

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JULY 18, 2011

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Acknowledgment used when attached to a document.

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xx

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xx

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xxxxx

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This is the one document that the borrowers will always complete themselves. The information on this form assists the Title Officer when there are liens against someone. If their name is common the lien could belong to someone else with the same name. The information on this form will allow the Title Officer to determine if this is, or is not the person who is responsible for the lien. Tip: Save this form until the end of the signing. While you are double checking the signed documents, the borrower can take the time they need to complete this form.

THE FOLLOWING ARE SEVERAL

DOCUMENTS YOU NEED TO PAY

CLOSE ATTENTION TO.

INFORMATION CONTAINED THERE

WILL BE INCLUDED ON THE EXAM!

NON BORROWING SPOUSE DOCUMENTS

Definition: A non-borrowing spouse often called an “nbs”, is a spouse who is on the title to the

property. However the credit or employment of this spouse was not taken into consideration when

processing the loan so they are not obligated on the loan. They will NOT be signing the Note, the 1003

or most of the documents.

In the event that you are advised in writing or verbally, that there is a Non-Borrowing spouse involved

in the transaction, there are 2 scenarios that could occur.

#1: The documents the nbs will be signing are clearly marked with a signature line and the name of the

nbs under the line. You will have the nbs sign only those marked documents.

#2: Or there will be an instruction that you must have the nbs sign all of the “title documents” and they

will not provide you with a list of those documents requiring the signature of the non-borrowing spouse.

Most lenders will provide a signature line where they want the nbs to sign. If they do not provide you

with the list, here is a list of the most critical documents they will sign. You can carry this list with you

and that will help you identify those documents that need to be signed.

1. Mortgage or Deed of Trust (because they are either on title or may have an interest in the title if

in a community property state)

2. All Riders attached to the Deed of Trust or Mortgage.

3. Truth in Lending Disclosure

4. Notice of Right to Cancel

Items 1 through 4 always require the signature of the non-borrowing spouse.

And…..sometimes you will be directed to have the non-borrowing spouse sign the following documents:

6. Itemization of Amount Financed

7. Document Correction Agreement

8. Compliance Agreement

In the event you go to a signing and there is no indication on the documents that the borrower is

married and they introduce you to a spouse, you cannot take it upon yourself to have the spouse sign.

Usually the lender is aware that there is a spouse but are also aware that there was a deed recorded

previously which removed the spouse from the title. Or there may be a deed in the package removing

the spouse from title. Sometimes they borrower will introduce you to their spouse but they are not

legally married. So in these instances, you can ask the borrower if the lender is aware there is a spouse.

If they say no, you might want to call the vendor and ask what they want you to do.

NEVER ASSUME WHAT YOU SHOULD DO ….. ALWAYS ASK!

They would much rather you call and ask than get incorrect documents back.

Power of Attorney Notary Signings

It is common for notaries to get a job notarizing a signature of a grantor on a power of attorney document. It is also

common for a signer who is the attorney in fact to sign documents in their official capacity as an attorney in fact. You

need to know how to handle this document properly.

Types of powers of attorneys

First of all, as a notary public, you are not required to understand the contents of the document. For an acknowledged

signature, the signer should be named in the document and should sign it. Other than that, it is critical that make sure

the signer understands this very powerful document, and you shouldn’t have any indication that the document is

fraudulent. If you have any doubts about the signer understanding what it is they are signing, do not continue! There

are banking powers of attorney, durable powers of attorney, health care powers of attorney, and living trusts which are

a sort of power of attorney. There are other types too, but these are the most common ones.

What does a notary need to know about powers of attorney?

You need to know who the grantor and grantee is. You need to know who an attorney in fact is (the grantee). You need

to know how the attorney in fact signs a document.

Is the form I am using acceptable?

Notaries may NOT recommend particular power of attorney forms, nor should they assist in filling them in. The notary

should look for blanks, and refuse to notarize if there are any blanks in the document. You might tell the client that they

should check with the document custodian (whomever they are submitting the documents to), to see what type of

paperwork they will accept. What is legal and what is acceptable to the recipient are often two different things.

Banking power of attorney

Most banks have their own power of attorney form which is on card stock. If asked to notarize a banking power of

attorney, just do what the client asks within the limits of the law, but for your knowledge, you should be aware that the

bank may not accept a power of attorney that they didn’t draft and that the client might be advised to check with the

bank before doing any business with a notary public.

How does an attorney in fact sign?

The person who has been granted special powers from a power of attorney is the grantee or attorney in fact. They can

sign one of two ways. If the grantor is John Doe, and the attorney in fact is Sally Smith, here is how Sally signs on behalf

of John.

(1) John Doe, by Sally Smith, his attorney in fact

(2) Sally Smith, as attorney in fact for John Doe

(3) Initials: jd by ss AIF or jd by ss atty in fact

(4) Initials: ss aif for jd or ss atty in fact for jd

Power of attorney documents at a loan signings

It is not up to the notary to determine the validity of the Power of Attorney document. The title company is responsible

for verifying its validity and the lender to accept it. The notary is only responsible for the proper execution of the

document. You may be instructed to collect a copy of the Power of Attorney. The documents will most likely not have

the attorney in fact verbiage on the signature lines so it is a good idea to prepare a piece of paper showing proper way

to sign..

POWER OF ATTORNEY

There will be many times you will need to deal with someone using a

Power of Attorney to allow someone other than themselves to sign

documents for them.

This may be because that person is going to be out of town or

otherwise unavailable.

We as signing agents do not need to be concerned with the validity of

a Power of Attorney. That is the responsibility of the title company.

You only concern is to make sure that the signer signs correctly.

For instance, you have the names of two people on the documents:

James B. Martin and Beverly L. Martin. Mr. Martin has executed a

POA (power of attorney) in favor of his wife and she will be signing all

of the documents both for her husband and herself.

She will sign for her husband as follows:

James B. Martin by Beverly L. Martin, as his attorney in fact.

When initialing documents for her husband she will initial as follows:

Jbm by blm, atty in fact

And the wife will of course just sign her name on behalf of herself.

RESCISSION

When we talk about rescission it is about the borrower’s right to cancel a loan within 3

business days after the date of signing their loan documents. The right is provided to them

as a part of the FEDERAL Real Estate Settlement Procedures Act (RESPA) law. Every state

should adhere to this federal law.

HOW TO DETERMINE THE RESCISSION DATE:

When determining the rescission date you begin counting BUSINESS days after the date of

the signing.

If a signing takes place on Monday the 5th of the month you do not count Monday the 5th.

You do count Tuesday the 6th, Wednesday the 7th and Thursday the 8th. The rescission date is

therefore Midnight of Thursday the 8th.

If the signing takes place on Friday the 5th of the month, you do not count Friday the 5th.

Saturday is considered a business day so you count Saturday the 6th. Sunday is never a

business day so Sunday the 7th does not count. Monday the 8th counts and Tuesday the 9th

counts. So therefore the rescission date is Midnight Tuesday the 9th of the month.

HOLIDAYS:

Remember only business days count. So, you have a signing on Friday December 23rd. You

do not count that day of signing. You do count Saturday December 24th. Since Christmas

falls on Sunday December 25, you do not count Sunday. Most companies will then consider

the Christmas holiday to extend to Monday so count Tuesday the 27th and Wednesday the

28th. Your rescission date should be Midnight Wednesday December 28th. This scenario

happened in 2010 on the July 4th holiday and a lot of notaries got the rescission date wrong.

There were even some rescission calendars which were wrong. If unsure on holidays

ALWAYS call and ask what day the lender wants you to use.

I believe that just like a second grader who cannot add 2 + 3 without using a calculator, there

are notaries who are incapable of being able to figure out rescission dates. This is not a good

thing. You need to be able to rely on your own abilities.

CROSS OUTS:

If you have a Notice of Right to Cancel with incorrect dates, these are the steps you must take

to correct:

First, Read your instructions! Some lenders do not want cross outs!

Second, call the vendor and get permission and instructions as to how they would like to

have this correction made.

Third, if you cannot get in touch with anyone, cross out incorrect dates, write in the correct

dates and have all borrowers initial all corrections.

YOU MUST ALWAYS LEAVE TWO COMPLETED AND SIGNED COPIES OF A NOTICE

OF RIGHT TO CANCEL WITH THE BORROWER WITHOUT EXCEPTION!!!!

We have now concluded our presentation

of refinance loan documents.

Please feel free to download these documents to either keep them on your computer, or print them out as reference

source as you begin your career as a

Professional Signing Agent.

If you have any questions, please feel free to call our Student Hotline at: 916-777-5931

Or Send an email to: [email protected]