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GUARDIAN MORTGAGE COMPANY INC. GUARDIAN MORTGAGE COMPANY , INC.

LOAN SUMMARY
Purchase - FHA DATE: BORROWER(S): PROPERTY: , PRODUCT:
HUD# GFE#

5/16/2012

Govt FHA 30 Year

SALE PRICE LOAN AMOUNT MIP FINANCED ADJUSTED LOAN RATE YEARS LTV / CLTV

$ $ $ $

213,500.00 206,027.50 3,605.00 209,632.50 3.750% 30 96.50% / 96.50%

800 - ITEMS PAYABLE IN CONNECTION WITH THE LOAN: 801 A1 OUR ORIGINATION CHARGE 610.00 802 A2 DISCOUNT PTS 0.500 1,048.16 A ADJUSTED ORIGINATION CHARGES 1,658.16 804 B3 APPRAISAL FEE 425.00 805 B3 CREDIT REPORT / INQUIRY LOOKUP 40.00 809 B3 VERIFICATIONS 35.00 807 B3 FLOOD CERTIFICATION 8.00 TOTAL ITEMS PAYABLE IN CONNECTION WITH THE LOAN 900 - ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E: Estimated Closing Date: 6/11/12 First Payment Due Da te: 7/1/12 901 B10 INTEREST -- (Closing date until first of the month) -215.40 $21.54 PER DAY x -10 DAYS = B3 TOTAL MIP 3,605.48 LESS MIP REFUND 3.88= 3,601.60 902 903 B11 FIRST YEAR'S HOMEOWNERS INSURANCE PREMIUM 1,046.00 904 B11 FIRST YEAR'S FLOOD INSURANCE PREMIUM 0.00 TOTAL ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E 1000 - RESERVES DEPOSITED WITH LENDER: 1002 B9 HOMEOWNERS INSURANCE (estimate) 87.17 x 2 months = 174.33 1003 B9 MORTGAGE INSURANCE 213.34 x 1 months = 215.14 1004 B9 PROPERTY TAXES (estimate) 463.34 x 3 months = 1,390.02 1008 B9 FLOOD INSURANCE 0.00 x 0 months = 0.00 TOTAL RESERVES DEPOSITED WITH LENDER TAX PRORATION 1100 - TITLE CHARGES 1101 B4 TITLE SERVICES 1116 B4 SURVEY 1104 B4 LENDER'S TITLE INS POLICY 1103 B5 OWNER'S TITLE INS POLICY = $1,523.45 PAID BY SELLER TOTAL TITLE CHARGES 1200 - GOVERNMENT RECORDING AND TRANSFER CHARGES 1202 B7 GOVERNMENT RECORDING CHARGES TOTAL GOVERNMENT RECORDING AND TRANSFER CHARGES TOTAL SETTLEMENT CHARGES LESS SELLERS CONTRIBUTION LESS MIP BEING FINANCED TOTAL SETTLEMENT CHARGES DUE FROM BORROWER PLUS DOWNPAYMENT / EQUITY TOTAL CASH INVESTMENT LESS LOCK DEPOSIT LESS EARNEST MONEY LESS OPTION FEE CASH NEEDED TO CLOSE: FUTURE MONTHLY PAYMENT PRINCIPAL & INTEREST HOMEOWNERS INS (estimate) MORTGAGE INSURANCE FLOOD INSURANCE PROPERTY TAXES (estimate) TOTAL PAYMENT (estimate) ANNUAL TAXES (estimate) 970.85 87.17 213.34 0.00 463.34 1,734.70 5,560.06

2,16 6.16

4,432.20

1,779.49 0.00 500.00 400.00 248.40 0.00 1,148.40 200.00 200.00 9,726.25 5,000.00 3,605.00 1,121.25 7,472.50 8,593.75 500.00 1,500.00 100.00 6,493.75

This is not a Good Faith Estimate or Truth-in-Lending Disclosure Statement required by federal law. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. This worksheet is intended to assist you in evaluating a loan or home purchase using estimated closing and property costs. If you make application with us, your Good Faith Estimate and Truth-in-Lending Disclosure Statement will be sent to you.

COMPANY, INC. GUARDIAN MORTGAGE COMPANY , INC.


LOAN SUMMARY
Purchase - FHA DATE: BORROWER(S): PROPERTY: , PRODUCT:
HUD# GFE#

5/16/2012

Govt FHA 30 Year

SALE PRICE LOAN AMOUNT MIP FINANCED ADJUSTED LOAN RATE YEARS LTV / CLTV

$ $ $

213,500.00 202,825.00 3,549.00 206,374.00 3.750% 30 95.00% / 95.00%

800 - ITEMS PAYABLE IN CONNECTION WITH THE LOAN: 801 A1 OUR ORIGINATION CHARGE 610.00 802 A2 DISCOUNT PTS 0.500 1,032.15 A ADJUSTED ORIGINATION CHARGES 1,642.15 804 B3 APPRAISAL FEE 425.00 805 B3 CREDIT REPORT / INQUIRY LOOKUP 40.00 809 B3 VERIFICATIONS 35.00 807 B3 FLOOD CERTIFICATION 8.00 TOTAL ITEMS PAYABLE IN CONNECTION WITH THE LOAN 900 - ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E: Estimated Closing Date: 6/11/12 First Payment Due Da te: 7/1/12 901 B10 INTEREST -- (Closing date until first of the month) -212.10 $21.21 PER DAY x -10 DAYS = B3 TOTAL MIP 3,549.44 LESS MIP REFUND 3.88= 3,545.56 902 903 B11 FIRST YEAR'S HOMEOWNERS INSURANCE PREMIUM 1,046.00 904 B11 FIRST YEAR'S FLOOD INSURANCE PREMIUM 0.00 TOTAL ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E 1000 - RESERVES DEPOSITED WITH LENDER: 1002 B9 HOMEOWNERS INSURANCE (estimate) 87.17 x 2 months = 174.33 1003 B9 MORTGAGE INSURANCE 201.68 x 1 months = 201.68 1004 B9 PROPERTY TAXES (estimate) 463.34 x 3 months = 1,390.02 1008 B9 FLOOD INSURANCE 0.00 x 0 months = 0.00 TOTAL RESERVES DEPOSITED WITH LENDER TAX PRORATION 1100 - TITLE CHARGES 1101 B4 TITLE SERVICES 1116 B4 SURVEY 1104 B4 LENDER'S TITLE INS POLICY 1103 B5 OWNER'S TITLE INS POLICY = $1,523.45 PAID BY SELLER TOTAL TITLE CHARGES 1200 - GOVERNMENT RECORDING AND TRANSFER CHARGES 1202 B7 GOVERNMENT RECORDING CHARGES TOTAL GOVERNMENT RECORDING AND TRANSFER CHARGES TOTAL SETTLEMENT CHARGES LESS SELLERS CONTRIBUTION LESS MIP BEING FINANCED TOTAL SETTLEMENT CHARGES DUE FROM BORROWER PLUS DOWNPAYMENT / EQUITY TOTAL CASH INVESTMENT LESS LOCK DEPOSIT LESS EARNEST MONEY LESS OPTION FEE CASH NEEDED TO CLOSE: FUTURE MONTHLY PAYMENT PRINCIPAL & INTEREST HOMEOWNERS INS (estimate) MORTGAGE INSURANCE FLOOD INSURANCE PROPERTY TAXES (estimate) TOTAL PAYMENT (estimate) ANNUAL TAXES (estimate) 955.76 87.17 201.68 0.00 463.34 1,707.95 5,560.06

2,15 0.15

4,379.46

1,766.03 0.00 500.00 400.00 248.40 0.00 1,148.40 200.00 200.00 9,644.04 5,000.00 3,549.00 1,095.04 10,675.00 11,770.04 500.00 1,500.00 100.00 9,670.04

This is not a Good Faith Estimate or Truth-in-Lending Disclosure Statement required by federal law. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. This worksheet is intended to assist you in evaluating a loan or home purchase using estimated closing and property costs. If you make application with us, your Good Faith Estimate and Truth-in-Lending Disclosure Statement will be sent to you.

GUARDIAN MORTGAGE COMPANY INC. GUARDIAN MORTGAGE COMPANY , INC.


LOAN SUMMARY
DATE: BORROWER(S): PROPERTY: , PRODUCT:
HUD# GFE#

5/16/2012

Fixed 30 Year

Purchase - Borrower Paid MI SALE PRICE LOAN AMOUNT MI FINANCED ADJUSTED LOAN RATE YEARS LTV / CLTV

$ $ $ $

213,500.00 202,825.00 0.00 202,825.00 3.750% 30 95.00% / 95.00%

800 - ITEMS PAYABLE IN CONNECTION WITH THE LOAN: 801 A1 OUR ORIGINATION CHARGE 979.00 802 A2 DISCOUNT PTS 0.250 507.06 A ADJUSTED ORIGINATION CHARGES 1,486.06 804 B3 APPRAISAL FEE 400.00 805 B3 CREDIT REPORT / INQUIRY LOOKUP 40.00 809 B3 VERIFICATIONS 35.00 807 B3 FLOOD CERTIFICATION 8.00 TOTAL ITEMS PAYABLE IN CONNECTION WITH THE LOAN 900 - ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E: Estimated Closing Date: 6/11/12 First Payment Due Da te: 8/1/12 901 B10 INTEREST -- (Closing date until first of the month) 416.80 $20.84 PER DAY x 20 DAYS = 903 B11 FIRST YEAR'S HOMEOWNERS INSURANCE PREMIUM 1,046.00 904 B11 FIRST YEAR'S FLOOD INSURANCE PREMIUM 0.00 TOTAL ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E 1000 - RESERVES DEPOSITED WITH LENDER: 1002 B9 HOMEOWNERS INSURANCE (estimate) 87.17 x 2 months = 174.33 1003 B9 MORTGAGE INSURANCE 113.24 x 0 months = 0.00 1004 B9 PROPERTY TAXES (estimate) 463.34 x 3 months = 1,390.02 1008 B9 FLOOD INSURANCE 0.00 x 0 months = 0.00 TOTAL RESERVES DEPOSITED WITH LENDER TAX PRORATION 1100 - TITLE CHARGES 1101 B4 TITLE SERVICES 1116 B4 SURVEY 1104 B4 LENDER'S TITLE INS POLICY 1103 B5 OWNER'S TITLE INS POLICY = $1,523.45 PAID BY SELLER TOTAL TITLE CHARGES 1200 - GOVERNMENT RECORDING AND TRANSFER CHARGES 1202 B7 GOVERNMENT RECORDING CHARGES TOTAL GOVERNMENT RECORDING AND TRANSFER CHARGES TOTAL SETTLEMENT CHARGES LESS SELLERS CONTRIBUTION TOTAL SETTLEMENT CHARGES DUE FROM BORROWER PLUS DOWNPAYMENT / EQUITY TOTAL CASH INVESTMENT LESS LOCK DEPOSIT LESS EARNEST MONEY LESS OPTION FEE CASH NEEDED TO CLOSE: FUTURE MONTHLY PAYMENT PRINCIPAL & INTEREST HOMEOWNERS INS (estimate) MORTGAGE INSURANCE FLOOD INSURANCE PROPERTY TAXES (estimate) TOTAL PAYMENT (estimate) ANNUAL TAXES (estimate) 939.32 87.17 113.24 0.00 463.34 1,603.07 5,560.06

1,96 9.06

1,462.80

1,564.35 0.00 500.00 400.00 248.40 0.00 1,148.40 200.00 200.00 6,344.61 5,000.00 1,344.61 10,675.00 12,019.61 500.00 1,500.00 100.00 9,919.61

This is not a Good Faith Estimate or Truth-in-Lending Disclosure Statement required by federal law. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. This worksheet is intended to assist you in evaluating a loan or home purchase using estimated closing and property costs. If you make application with us, your Good Faith Estimate and Truth-in-Lending Disclosure Statement will be sent to you.

GUARDIAN MORTGAGE COMPANY INC. GUARDIAN MORTGAGE COMPANY , INC.


LOAN SUMMARY
DATE: BORROWER(S): PROPERTY: , PRODUCT:
HUD# GFE#

5/16/2012

Fixed 30 Year

Purchase - Lender Paid MI SALE PRICE LOAN AMOUNT MI FINANCED ADJUSTED LOAN RATE YEARS LTV / CLTV

$ $ $ $

213,500.00 202,825.00 0.00 202,825.00 4.125% 30 95.00% / 95.00%

800 - ITEMS PAYABLE IN CONNECTION WITH THE LOAN: 801 A1 OUR ORIGINATION CHARGE 979.00 802 A2 DISCOUNT PTS 0.375 760.59 A ADJUSTED ORIGINATION CHARGES 1,739.59 804 B3 APPRAISAL FEE 400.00 805 B3 CREDIT REPORT / INQUIRY LOOKUP 40.00 809 B3 VERIFICATIONS 35.00 807 B3 FLOOD CERTIFICATION 8.00 TOTAL ITEMS PAYABLE IN CONNECTION WITH THE LOAN 900 - ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E: Estimated Closing Date: 6/11/12 First Payment Due Da te: 8/1/12 901 B10 INTEREST -- (Closing date until first of the month) 458.40 $22.92 PER DAY x 20 DAYS = 903 B11 FIRST YEAR'S HOMEOWNERS INSURANCE PREMIUM 1,046.00 904 B11 FIRST YEAR'S FLOOD INSURANCE PREMIUM 0.00 TOTAL ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANC E 1000 - RESERVES DEPOSITED WITH LENDER: 1002 B9 HOMEOWNERS INSURANCE (estimate) 87.17 x 2 months = 174.33 1003 B9 MORTGAGE INSURANCE 0.00 x 0 months = 0.00 1004 B9 PROPERTY TAXES (estimate) 463.34 x 3 months = 1,390.02 1008 B9 FLOOD INSURANCE 0.00 x 0 months = 0.00 TOTAL RESERVES DEPOSITED WITH LENDER TAX PRORATION 1100 - TITLE CHARGES 1101 B4 TITLE SERVICES 1116 B4 SURVEY 1104 B4 LENDER'S TITLE INS POLICY 1103 B5 OWNER'S TITLE INS POLICY = $1,523.45 PAID BY SELLER TOTAL TITLE CHARGES 1200 - GOVERNMENT RECORDING AND TRANSFER CHARGES 1202 B7 GOVERNMENT RECORDING CHARGES TOTAL GOVERNMENT RECORDING AND TRANSFER CHARGES TOTAL SETTLEMENT CHARGES LESS SELLERS CONTRIBUTION TOTAL SETTLEMENT CHARGES DUE FROM BORROWER PLUS DOWNPAYMENT / EQUITY TOTAL CASH INVESTMENT LESS LOCK DEPOSIT LESS EARNEST MONEY LESS OPTION FEE CASH NEEDED TO CLOSE: FUTURE MONTHLY PAYMENT PRINCIPAL & INTEREST HOMEOWNERS INS (estimate) MORTGAGE INSURANCE FLOOD INSURANCE PROPERTY TAXES (estimate) TOTAL PAYMENT (estimate) ANNUAL TAXES (estimate) 983.00 87.17 0.00 0.00 463.34 1,533.51 5,560.06

2,22 2.59

1,504.40

1,564.35 0.00 500.00 400.00 248.40 0.00 1,148.40 200.00 200.00 6,639.74 5,000.00 1,639.74 10,675.00 12,314.74 500.00 1,500.00 100.00 10,214.74

This is not a Good Faith Estimate or Truth-in-Lending Disclosure Statement required by federal law. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. This worksheet is intended to assist you in evaluating a loan or home purchase using estimated closing and property costs. If you make application with us, your Good Faith Estimate and Truth-in-Lending Disclosure Statement will be sent to you.

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