Sample Short Sale HUDs
Content
LN# 0204041297 Reed and Eileen Quinn
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This shows the seller paying the HOA as a POC item on line 1306
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Short Sale Superstars3 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Unins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2606666 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Omar Santiago Hernandez Name & Address of Seller: Holly Joanne Barton
2212 Oak Point Drive, Copey, OH 44321
Name & Address of Lender: Property Location: 302 Erie Court, Poinciana, FL 34759
G. H.
We knew the 2nd needed $3,200 more than the 1st would allow so we negotiated the contract with the buyer making this payment directly to the 2nd on line 104
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyer Contribution to GMAC 55,000.00 387.00 3,200.00
(877)833-1731
I. Estimated Settlement Date: 12/30/2011 Print Date: 09/05/2011, 6:21 PM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
55,000.00
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/30/11 to 01/01/12 @$827.24/yr Assessments Association Dues 12/30/11 to 01/01/12 @$246.00/yr Non Ad Valorem Assessments 12/30/11 to 10/01/12 @$302.55/yr 4.53 1.35 228.78
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/30/11 to 01/01/12 @$827.24/yr Assessments Association Dues 12/30/11 to 01/01/12 @$246.00/yr Non Ad Valorem Assessments 12/30/11 to 10/01/12 @$302.55/yr 4.53 1.35 228.78
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. *Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. City/town taxes 211. County taxes 212. Assessments 213. 214. 215. 216. 217. 218. 219.
58,821.66
2,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
55,234.66
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to GMAC 2011 County Taxes ESTIMATE to Polk County Tax Collector Joe G.
4,711.25 46,223.41 3,000.00 1,300.00
Adjustments for items unpaid by seller
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 512. Assessments 513. 514. 515. 516. 517. 518. 519.
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,000.00
58,821.66 2,000.00
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
55,234.66
55,234.66 55,234.66
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
56,821.66
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars4 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: FHA 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2374373 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: David Banfill
100 Majestic Gardens Court, Winter Haven, FL 33880
Name of Seller: Linda Jean Boyer
820 S Monaco Parkway #151, Denver, CO 80224
Name of Lender: Integrity Home Loan of Central Florida, Inc.
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880
This one shows the buyer contributing to the 2nd on line 104 and the buyer getting a credit from the agents on line 205.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyers Contribution to 2nd Mortgage Payoff to Chase Home Finance, 105,000.00 5,112.16 2,625.71
(877)833-1731
I. Estimated Settlement Date: 12/10/2010 Print Date: 12/07/2010, 11:36 AM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
105,000.00
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/10/10 to 01/01/11 @$1927.85/yr Assessments Non Ad Valorem Tax 12/10/10 to 10/01/11 @$302.00/yr 116.20 244.08
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/10/10 to 01/01/11 @$1927.85/yr Assessments Non Ad Valorem Tax 12/10/10 to 10/01/11 @$302.00/yr 116.20 244.08
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy Listing Broker Credit to Buyer from
113,098.15
1,000.00 103,604.00 680.00 2,125.71
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,360.28
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Lender Business Process Services Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy 2010 Taxes ESTIMATE to Polk County Tax POC-S $2,229.85
7,453.50 93,152.49 4,074.29 680.00
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 212. Assessments 213. 214. 215. 216. 217. 218. 219.
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 512. Assessments 513. 514. 515. 516. 517. 518. 519.
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,409.71
113,098.15 107,409.71
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,360.28
105,360.28 105,360.28
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
303. Cash (X From) ( To) Borrower
5,688.44
603. Cash ( To) ( From) Seller
L. Settlement Charges 700. Total Real Estate Broker Fees
Short Sale 2027-2374373 Superstars5 of 13. File No.
To offset the agent credit the listing the commission was split with the listing agent getting almost $1,600 more since the credit on the first page is coming from the listing agent
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3)
Division of commission (line 700) as follows: 701. $3,912.50 to Tutas Towne Realty 702. $2,387.50 to Brokers Realty, Inc. 703. Commission paid at settlement 704.
Paid From Borrower’s Funds at Settlement
Paid From Seller’s Funds at Settlement
6,300.00
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to Fidelity Funding Mortgage Corp 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. Mortgage insurance premium to FHA 903. Homeowner’s insurance 904. 905. 906.
(from GFE #10) (from GFE #3) (from GFE #11)
2,625.00
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$35.00/mo 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
0.00
$0.00
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. Owner’s title insurance 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 103,604.00 1106. Owner’s title policy limit $ 105,000.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 1,150.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
685.00
$225.00
(from GFE #5)
225.00
690.00
$460.00
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $265.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $735.00 Mortgage $362.95 1206. Record Affidavit 1207. Intangible Tax 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
292.00 570.16 735.00 18.50
$207.21
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Survey to Residential Land Services 1303. 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
(from GFE #6)
$250.00
250.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
5,112.16
7,453.50
Page 2
Short Sale Superstars6 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Unins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2451915 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: ErezBin Aharon, Limir BinLimor Ben Aharon Erez Ben Aharon and Aharon
263 Lakay Place, Longwood, FL 32779
Name of Seller: Perry B. Stern; Emily C. Starratt Name of Lender:
175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
G. H.
Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,162.00
This will show how a reverse proration can work when you are hit with an unexpected HOA payment. This one shows the seller getting a credit for 16 days on line 409. The problem is this all goes to the lender. This proration assumes the seller made the September payment of $295. I. (877)833-1731 Estimated Settlement Date: 10/14/2011 Print Date: 08/03/2011, 1:21 PM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
33,000.00
Adjustments for items paid by seller in advance
106. 107. 108. 109. 110. 111. 112. 113. 114. 115. City/town taxes County taxes Assessments Association Dues 10/14/11 to 11/01/11 @$295.08/mo
Adjustments for items paid by seller in advance
City/town taxes County taxes Assessments Association Dues 10/14/11 to 11/01/11 @$295.08/mo
171.34
171.34
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
34,333.34
1,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,171.34
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance Disbursed as Proceeds ($1000.00) 2010 County Taxes to Seminole County Tax POC-S $229.02
2,810.75 25,029.66 25,029.82 2,144.00 2,143,84 3,000.00
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 01/01/11 to 10/14/11 @$238.56/yr 212. Assessments 213. 214. 215. 216. 217. 218. 219. 186.93
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 01/01/11 to 10/14/11 @$238.56/yr 512. Assessments 513. 514. 515. 516. 517. 518. 519. 186.93
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
1,186.93
34,333.34 1,186.93
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,171.34
33,171.34 33,171.34
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
33,146.41
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars7 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Final Statement
File Number: 2027-2451915 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Erez Ben Aharon, Limor Ben Aharon
c/o Cipora Kagan, 455 Timber Ridge Drive, Longwood, FL 32779
Name & Address of Seller: Perry B. Stern; Emily C. Starratt
505 Mansfield Drive, Altamonte Springs, FL 32714
Name & Address of Lender: Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
(877)833-1731
But what happens when you close a week early? The seller would have to be charged the $295. However we know the lender will not agree to pay that charge that was not approved. So we place the HOA fee on the buyer side line 1302 and reverse the proration line 513.
G. H.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,947.16
I. Settlement Date: 09/09/2011 Print Date: 09/09/2011, 3:56 PM Disbursement Date: 09/09/2011 Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. City/town taxes 407. County taxes 408. Assessments 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
33,000.00
Adjustments for items paid by seller in advance
106. City/town taxes 107. County taxes 108. Assessments 109. 110. 111. 112. 113. 114. 115.
Adjustments for items paid by seller in advance
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219.
34,947.16
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance 2010 County Taxes to Seminole County Tax POC-S $229.02
2,583.60 25,029.82 2,143.84 3,000.00
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/11 to 09/09/11 @$238.56/yr Assessments Association Dues 09/01/11 to 09/09/11 @$295.08/mo 164.05 78.69
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/11 to 09/09/11 @$238.56/yr Assessments Association Dues 09/01/11 to 09/09/11 @$295.08/mo 164.05 78.69
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
242.74
34,947.16 242.74
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,000.00
33,000.00 33,000.00
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
34,704.42
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars8 of 13.
L. Settlement Charges 700. Total Real Estate Broker Fees
File No. 2027-2451915 Division of commission (line 700) as follows: 701. $845.35 to Tutas Towne Realty 702. $907.50 to Exit Real Estate Results 703. Commission paid at settlement 704. Compliance Fee to Exit Real Estate Results
Paid From Borrower’s Funds at Settlement
195.00
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #10) (from GFE #3) (from GFE #11)
Paid From Seller’s Funds at Settlement
1,752.85
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. 903. Homeowner’s insurance 904. 905. 906.
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owner’s title insurance - First American Title Insurance Company 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 0.00 1106. Owner’s title policy limit $ 33,000.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 189.75 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
$235.00
(from GFE #5)
235.00
235.00 189.75
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $231.00 Mortgage $0.00 1206. 1207. 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
27.00
231.00
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Association Dues September & October to The Cove At Pearl Lake 1303. New Homeowner Initiation Fee to The Cove At Pearl Lake 1304. Transfer Fee to The Cove At Pearl Lake 1305. 1306. 1307. 1308. 1309. 1310. 1311. * See Supplemental Page for details. ** Paid on Behalf of Borrower.
(from GFE #6)
The $295 is added in here
590.16 750.00 150.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
1,947.16
2,583.60
Page 2
Short Sale Superstars9 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: FHA 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2374373 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: David Banfill
5036 Taylor Creek Drive, Jacksonville, FL 32258
Name of Seller: Linda Jean Boyer
820 S Monaco Parkway #151 Denver, CO 80224
This just shows another reverse tax proration on lines 104 and 511
Name of Lender: Integrity Home Loan of Central Florida, Inc.
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880 (877)833-1731
I. Estimated Settlement Date: 11/25/2010 Print Date: 11/04/2010, 2:03 PM Disbursement Date: Signing Date:
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. Contract Sales Price Personal property Settlement charges to borrower (line 1400) 2010 Taxes ESTIMATE to Polk County Tax Collector Joe G. Tedder 105,000.00 5,112.16 2,500.00
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. City/town taxes 407. County taxes 408. Assessments 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
105,000.00
Adjustments for items paid by seller in advance
106. City/town taxes 107. County taxes 108. Assessments 109. 110. 111. 112. 113. 114. 115.
Adjustments for items paid by seller in advance
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy
112,612.16
1,000.00 103,604.00 680.00
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to To be determined Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy
7,453.50 88,166.03 6,700.00 680.00
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/10 to 11/25/10 @$2175.49/yr Assessments Non Ad Valorem Tax 10/01/10 to 11/25/10 @$302.00/yr 1,954.96 45.51
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/10 to 11/25/10 @$2175.49/yr Assessments Non Ad Valorem Tax 10/01/10 to 11/25/10 @$302.00/yr 1,954.96 45.51
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,284.47
112,612.16 107,284.47
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,000.00
105,000.00 105,000.00
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
303. Cash (X From) ( To) Borrower
5,327.69
603. Cash ( To) ( From) Seller
Short Sale Superstars10 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Ins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2511913 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: Charles G. Denomoyer, as Trustee of the
3536 Valleyview Drive, Kissimmee, FL 34746
Name of Seller: Tracy Konowitz Name of Lender:
This one shows you the Chase seller incentive and the lender paying alarge amount of HOA fees. Both are on the next page.
2620 Meadow View Court, Kissimmee, FL 34746
G. H.
Property Location: 2620 Meadow View Court, Kissimmee, FL 34746
(877)833-1731
I. Estimated Settlement Date: 05/30/2011 Print Date: 03/25/2011, 5:24 PM Disbursement Date: Signing Date:
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 162,151.00 584.00
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
162,151.00
Adjustments for items paid by seller in advance
106. 107. 108. 109. 110. 111. 112. 113. 114. 115. City/town taxes County taxes Assessments Non Ad Valorem Assessments 05/30/11 to 10/01/11 @$637.20/yr
Adjustments for items paid by seller in advance
City/town taxes County taxes Assessments Non Ad Valorem Assessments 05/30/11 to 10/01/11 @$637.20/yr
216.47
216.47
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
162,951.47
1,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Chase Payoff of second mortgage loan
162,367.47
41,415.29 119,933.48
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 01/01/11 to 05/30/11 @$2495.48/yr 212. Assessments 213. 214. 215. 216. 217. 218. 219. 1,018.70
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 01/01/11 to 05/30/11 @$2495.48/yr 512. Assessments 513. 514. 515. 516. 517. 518. 519. 1,018.70
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,018.70
162,951.47 2,018.70
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
162,367.47
162,367.47 162,367.47
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
160,932.77
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
L. Settlement Charges 700. Total Real Estate Broker Fees
Short Sale Superstars11 of 13. File No. 2027-2511913
Paid From Borrower’s Funds at Settlement
295.00
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3)
Division of commission (line 700) as follows: 701. $5,269.91 to Tutas Towne Realty 702. $4,459.15 to Elite Investors Realty 703. Commission paid at settlement 704. Processing Fee to Elite Investors Realty
Paid From Seller’s Funds at Settlement
9,729.06
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to To be determined 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. 903. Homeowner’s insurance 904. 905. 906.
(from GFE #10) (from GFE #3) (from GFE #11)
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$261.06/mo 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
0.00
$0.00
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owner’s title insurance - First American Title Insurance Company 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 1,000.00 1106. Owner’s title policy limit $ 162,151.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 886.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
235.00
$235.00
(from GFE #5)
235.00 886.00
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $1,135.40 Mortgage $0.00 1206. Record Trust Certification 1207. 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
54.00
$27.00
1,135.40
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Association Dues Balance Due to Siegfried, Rivera, Lerner, De La Torre 1303. Chase Seller Incentive to Tracy Konowitz 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
(from GFE #6)
9,254.83 20,000.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
584.00
41,415.29
Page 2
Short Sale Superstars12 of 13.
WHAT NOT TO DO!!!!
Short Sale Superstars13 of 13.
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This shows the seller paying the HOA as a POC item on line 1306
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Short Sale Superstars3 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Unins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2606666 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Omar Santiago Hernandez Name & Address of Seller: Holly Joanne Barton
2212 Oak Point Drive, Copey, OH 44321
Name & Address of Lender: Property Location: 302 Erie Court, Poinciana, FL 34759
G. H.
We knew the 2nd needed $3,200 more than the 1st would allow so we negotiated the contract with the buyer making this payment directly to the 2nd on line 104
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyer Contribution to GMAC 55,000.00 387.00 3,200.00
(877)833-1731
I. Estimated Settlement Date: 12/30/2011 Print Date: 09/05/2011, 6:21 PM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
55,000.00
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/30/11 to 01/01/12 @$827.24/yr Assessments Association Dues 12/30/11 to 01/01/12 @$246.00/yr Non Ad Valorem Assessments 12/30/11 to 10/01/12 @$302.55/yr 4.53 1.35 228.78
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/30/11 to 01/01/12 @$827.24/yr Assessments Association Dues 12/30/11 to 01/01/12 @$246.00/yr Non Ad Valorem Assessments 12/30/11 to 10/01/12 @$302.55/yr 4.53 1.35 228.78
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. *Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. City/town taxes 211. County taxes 212. Assessments 213. 214. 215. 216. 217. 218. 219.
58,821.66
2,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
55,234.66
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to GMAC 2011 County Taxes ESTIMATE to Polk County Tax Collector Joe G.
4,711.25 46,223.41 3,000.00 1,300.00
Adjustments for items unpaid by seller
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 512. Assessments 513. 514. 515. 516. 517. 518. 519.
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,000.00
58,821.66 2,000.00
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
55,234.66
55,234.66 55,234.66
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
56,821.66
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars4 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: FHA 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2374373 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: David Banfill
100 Majestic Gardens Court, Winter Haven, FL 33880
Name of Seller: Linda Jean Boyer
820 S Monaco Parkway #151, Denver, CO 80224
Name of Lender: Integrity Home Loan of Central Florida, Inc.
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880
This one shows the buyer contributing to the 2nd on line 104 and the buyer getting a credit from the agents on line 205.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyers Contribution to 2nd Mortgage Payoff to Chase Home Finance, 105,000.00 5,112.16 2,625.71
(877)833-1731
I. Estimated Settlement Date: 12/10/2010 Print Date: 12/07/2010, 11:36 AM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
105,000.00
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/10/10 to 01/01/11 @$1927.85/yr Assessments Non Ad Valorem Tax 12/10/10 to 10/01/11 @$302.00/yr 116.20 244.08
Adjustments for items paid by seller in advance
City/town taxes County taxes 12/10/10 to 01/01/11 @$1927.85/yr Assessments Non Ad Valorem Tax 12/10/10 to 10/01/11 @$302.00/yr 116.20 244.08
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy Listing Broker Credit to Buyer from
113,098.15
1,000.00 103,604.00 680.00 2,125.71
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,360.28
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Lender Business Process Services Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy 2010 Taxes ESTIMATE to Polk County Tax POC-S $2,229.85
7,453.50 93,152.49 4,074.29 680.00
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 212. Assessments 213. 214. 215. 216. 217. 218. 219.
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 512. Assessments 513. 514. 515. 516. 517. 518. 519.
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,409.71
113,098.15 107,409.71
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,360.28
105,360.28 105,360.28
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
303. Cash (X From) ( To) Borrower
5,688.44
603. Cash ( To) ( From) Seller
L. Settlement Charges 700. Total Real Estate Broker Fees
Short Sale 2027-2374373 Superstars5 of 13. File No.
To offset the agent credit the listing the commission was split with the listing agent getting almost $1,600 more since the credit on the first page is coming from the listing agent
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3)
Division of commission (line 700) as follows: 701. $3,912.50 to Tutas Towne Realty 702. $2,387.50 to Brokers Realty, Inc. 703. Commission paid at settlement 704.
Paid From Borrower’s Funds at Settlement
Paid From Seller’s Funds at Settlement
6,300.00
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to Fidelity Funding Mortgage Corp 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. Mortgage insurance premium to FHA 903. Homeowner’s insurance 904. 905. 906.
(from GFE #10) (from GFE #3) (from GFE #11)
2,625.00
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$35.00/mo 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
0.00
$0.00
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. Owner’s title insurance 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 103,604.00 1106. Owner’s title policy limit $ 105,000.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 1,150.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
685.00
$225.00
(from GFE #5)
225.00
690.00
$460.00
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $265.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $735.00 Mortgage $362.95 1206. Record Affidavit 1207. Intangible Tax 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
292.00 570.16 735.00 18.50
$207.21
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Survey to Residential Land Services 1303. 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
(from GFE #6)
$250.00
250.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
5,112.16
7,453.50
Page 2
Short Sale Superstars6 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Unins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2451915 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: ErezBin Aharon, Limir BinLimor Ben Aharon Erez Ben Aharon and Aharon
263 Lakay Place, Longwood, FL 32779
Name of Seller: Perry B. Stern; Emily C. Starratt Name of Lender:
175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
G. H.
Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,162.00
This will show how a reverse proration can work when you are hit with an unexpected HOA payment. This one shows the seller getting a credit for 16 days on line 409. The problem is this all goes to the lender. This proration assumes the seller made the September payment of $295. I. (877)833-1731 Estimated Settlement Date: 10/14/2011 Print Date: 08/03/2011, 1:21 PM Disbursement Date: Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
33,000.00
Adjustments for items paid by seller in advance
106. 107. 108. 109. 110. 111. 112. 113. 114. 115. City/town taxes County taxes Assessments Association Dues 10/14/11 to 11/01/11 @$295.08/mo
Adjustments for items paid by seller in advance
City/town taxes County taxes Assessments Association Dues 10/14/11 to 11/01/11 @$295.08/mo
171.34
171.34
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
34,333.34
1,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,171.34
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance Disbursed as Proceeds ($1000.00) 2010 County Taxes to Seminole County Tax POC-S $229.02
2,810.75 25,029.66 25,029.82 2,144.00 2,143,84 3,000.00
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 01/01/11 to 10/14/11 @$238.56/yr 212. Assessments 213. 214. 215. 216. 217. 218. 219. 186.93
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 01/01/11 to 10/14/11 @$238.56/yr 512. Assessments 513. 514. 515. 516. 517. 518. 519. 186.93
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
1,186.93
34,333.34 1,186.93
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,171.34
33,171.34 33,171.34
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
33,146.41
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars7 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Final Statement
File Number: 2027-2451915 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Erez Ben Aharon, Limor Ben Aharon
c/o Cipora Kagan, 455 Timber Ridge Drive, Longwood, FL 32779
Name & Address of Seller: Perry B. Stern; Emily C. Starratt
505 Mansfield Drive, Altamonte Springs, FL 32714
Name & Address of Lender: Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
(877)833-1731
But what happens when you close a week early? The seller would have to be charged the $295. However we know the lender will not agree to pay that charge that was not approved. So we place the HOA fee on the buyer side line 1302 and reverse the proration line 513.
G. H.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,947.16
I. Settlement Date: 09/09/2011 Print Date: 09/09/2011, 3:56 PM Disbursement Date: 09/09/2011 Signing Date:
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. City/town taxes 407. County taxes 408. Assessments 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
33,000.00
Adjustments for items paid by seller in advance
106. City/town taxes 107. County taxes 108. Assessments 109. 110. 111. 112. 113. 114. 115.
Adjustments for items paid by seller in advance
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219.
34,947.16
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance 2010 County Taxes to Seminole County Tax POC-S $229.02
2,583.60 25,029.82 2,143.84 3,000.00
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/11 to 09/09/11 @$238.56/yr Assessments Association Dues 09/01/11 to 09/09/11 @$295.08/mo 164.05 78.69
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/11 to 09/09/11 @$238.56/yr Assessments Association Dues 09/01/11 to 09/09/11 @$295.08/mo 164.05 78.69
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
242.74
34,947.16 242.74
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,000.00
33,000.00 33,000.00
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
34,704.42
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Short Sale Superstars8 of 13.
L. Settlement Charges 700. Total Real Estate Broker Fees
File No. 2027-2451915 Division of commission (line 700) as follows: 701. $845.35 to Tutas Towne Realty 702. $907.50 to Exit Real Estate Results 703. Commission paid at settlement 704. Compliance Fee to Exit Real Estate Results
Paid From Borrower’s Funds at Settlement
195.00
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #10) (from GFE #3) (from GFE #11)
Paid From Seller’s Funds at Settlement
1,752.85
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. 903. Homeowner’s insurance 904. 905. 906.
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owner’s title insurance - First American Title Insurance Company 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 0.00 1106. Owner’s title policy limit $ 33,000.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 189.75 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
$235.00
(from GFE #5)
235.00
235.00 189.75
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $231.00 Mortgage $0.00 1206. 1207. 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
27.00
231.00
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Association Dues September & October to The Cove At Pearl Lake 1303. New Homeowner Initiation Fee to The Cove At Pearl Lake 1304. Transfer Fee to The Cove At Pearl Lake 1305. 1306. 1307. 1308. 1309. 1310. 1311. * See Supplemental Page for details. ** Paid on Behalf of Borrower.
(from GFE #6)
The $295 is added in here
590.16 750.00 150.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
1,947.16
2,583.60
Page 2
Short Sale Superstars9 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: FHA 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2374373 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: David Banfill
5036 Taylor Creek Drive, Jacksonville, FL 32258
Name of Seller: Linda Jean Boyer
820 S Monaco Parkway #151 Denver, CO 80224
This just shows another reverse tax proration on lines 104 and 511
Name of Lender: Integrity Home Loan of Central Florida, Inc.
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880 (877)833-1731
I. Estimated Settlement Date: 11/25/2010 Print Date: 11/04/2010, 2:03 PM Disbursement Date: Signing Date:
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. Contract Sales Price Personal property Settlement charges to borrower (line 1400) 2010 Taxes ESTIMATE to Polk County Tax Collector Joe G. Tedder 105,000.00 5,112.16 2,500.00
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. City/town taxes 407. County taxes 408. Assessments 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
105,000.00
Adjustments for items paid by seller in advance
106. City/town taxes 107. County taxes 108. Assessments 109. 110. 111. 112. 113. 114. 115.
Adjustments for items paid by seller in advance
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy
112,612.16
1,000.00 103,604.00 680.00
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to To be determined Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy
7,453.50 88,166.03 6,700.00 680.00
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/10 to 11/25/10 @$2175.49/yr Assessments Non Ad Valorem Tax 10/01/10 to 11/25/10 @$302.00/yr 1,954.96 45.51
Adjustments for items unpaid by seller
City/town taxes County taxes 01/01/10 to 11/25/10 @$2175.49/yr Assessments Non Ad Valorem Tax 10/01/10 to 11/25/10 @$302.00/yr 1,954.96 45.51
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,284.47
112,612.16 107,284.47
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,000.00
105,000.00 105,000.00
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
303. Cash (X From) ( To) Borrower
5,327.69
603. Cash ( To) ( From) Seller
Short Sale Superstars10 of 13.
Settlement Statement (HUD-1)
A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Ins. 6. 7. 8. C.
OMB Approval No. 2502-0265
First American Title Insurance Company
Estimated Statement
File Number: 2027-2511913 Loan Number: Mortgage Insurance Case Number:
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(POC)” were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: Charles G. Denomoyer, as Trustee of the
3536 Valleyview Drive, Kissimmee, FL 34746
Name of Seller: Tracy Konowitz Name of Lender:
This one shows you the Chase seller incentive and the lender paying alarge amount of HOA fees. Both are on the next page.
2620 Meadow View Court, Kissimmee, FL 34746
G. H.
Property Location: 2620 Meadow View Court, Kissimmee, FL 34746
(877)833-1731
I. Estimated Settlement Date: 05/30/2011 Print Date: 03/25/2011, 5:24 PM Disbursement Date: Signing Date:
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrower’s Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 162,151.00 584.00
K. Summary of Seller’s Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
400. Gross Amount Due to Seller
162,151.00
Adjustments for items paid by seller in advance
106. 107. 108. 109. 110. 111. 112. 113. 114. 115. City/town taxes County taxes Assessments Non Ad Valorem Assessments 05/30/11 to 10/01/11 @$637.20/yr
Adjustments for items paid by seller in advance
City/town taxes County taxes Assessments Non Ad Valorem Assessments 05/30/11 to 10/01/11 @$637.20/yr
216.47
216.47
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
162,951.47
1,000.00
501. 502. 503. 504. 505. 506. 507. 508. 509.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Chase Payoff of second mortgage loan
162,367.47
41,415.29 119,933.48
Adjustments for items unpaid by seller
210. City/town taxes 211. County taxes 01/01/11 to 05/30/11 @$2495.48/yr 212. Assessments 213. 214. 215. 216. 217. 218. 219. 1,018.70
Adjustments for items unpaid by seller
510. City/town taxes 511. County taxes 01/01/11 to 05/30/11 @$2495.48/yr 512. Assessments 513. 514. 515. 516. 517. 518. 519. 1,018.70
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,018.70
162,951.47 2,018.70
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
162,367.47
162,367.47 162,367.47
303. Cash (X From) ( To) Borrower
Previous editions are obsolete. * See Supplemental Page for details.
160,932.77
** Paid on Behalf of Borrower.
603. Cash ( To) ( From) Seller
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
L. Settlement Charges 700. Total Real Estate Broker Fees
Short Sale Superstars11 of 13. File No. 2027-2511913
Paid From Borrower’s Funds at Settlement
295.00
(from GFE #1) (from GFE #2) (from GFE A) (from GFE #3) (from GFE #3) (from GFE #3) (from GFE #3)
Division of commission (line 700) as follows: 701. $5,269.91 to Tutas Towne Realty 702. $4,459.15 to Elite Investors Realty 703. Commission paid at settlement 704. Processing Fee to Elite Investors Realty
Paid From Seller’s Funds at Settlement
9,729.06
800. Items Payable in Connection with Loan
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to To be determined 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
900. Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 902. 903. Homeowner’s insurance 904. 905. 906.
(from GFE #10) (from GFE #3) (from GFE #11)
1000. Reserves Deposited with Lender
1001. Initial deposit for your escrow account 1002. Homeowner’s insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$261.06/mo 1005. 1006. 1007. Aggregate Adjustment
(from GFE #9)
0.00
$0.00
1100. Title Charges
1101. Title services and lender’s title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owner’s title insurance - First American Title Insurance Company 1104. Lender’s title insurance 1105. Lender’s title policy limit $ 1,000.00 1106. Owner’s title policy limit $ 162,151.00 1107. Agent’s portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriter’s portion of total title insurance premium $ 886.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
(from GFE #4)
235.00
$235.00
(from GFE #5)
235.00 886.00
175.00
1200. Government Recording and Transfer Charges
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $1,135.40 Mortgage $0.00 1206. Record Trust Certification 1207. 1208. 1209. 1210.
(from GFE #7) (from GFE #8)
54.00
$27.00
1,135.40
1300. Additional Settlement Charges
1301. Required services that you can shop for 1302. Association Dues Balance Due to Siegfried, Rivera, Lerner, De La Torre 1303. Chase Seller Incentive to Tracy Konowitz 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
(from GFE #6)
9,254.83 20,000.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).
584.00
41,415.29
Page 2
Short Sale Superstars12 of 13.
WHAT NOT TO DO!!!!
Short Sale Superstars13 of 13.
