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image183055/16/13 2:58 PM OMB No. 2502 -0265 A. U.S. Department of Housing and Urban Development Settlement Statement (HUD -1) B. Type of Loan 1.[ ] FHA 4.1 ] VA 2. [ ] RHS 5. [ ] Conv. Ins. 3. [X] Conv. Unins. 6. File Number 201302207 7. Loan Number 8. Mortgage Ins. Case No. C. 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 the closing: they are shown here for information purposes and are not included in the totals. D. Name & Address of Borrower: Karen Sulemon, 811 9th Street, Huntsville, TX 77320 E. Name & Address of Seller: City of Huntsville, 1212 M Street, Huntsville, TX 77340 F. Name & Address of Lender: Texas Department of Housing and Community Affairs, 221 East 11th Street,';: Austin, TX 78701 Texas Department of Housing and Community Affairs, 221 East 11th Street, Austin, TX 78701 G. Property Location: Pleasant Gray League (0.1628 acres), Abstract #24; Lot 46, Woodlawn East 293 Watkins Street, Huntsville, TX 77340 H. Settlement Agent: Place of Settlement: Walker County Title Company (936) 295 -8173 1109 University Avenue, Huntsville, TX 77340 I. Settlement Date: Recording Date: 5/20/2013 5/20/2013 Proration Date: 5/20/2013. Disbursed Date: 5/20/2013`x`" T : #4 =742113306 n1 101. Contract sales price 102. Personal property 82,500.00 401. Contract sales price 82,500.00 402. Personal property 103. Settlement charges to borrower (line 1400) 104. 2,426.12 403. 404. 105. 405. 106. City /town taxes 107. County taxes 406. City /town taxes 407. County taxes 108. Assessments 408. Assessments 109. Property Taxes 110. 409. Property Taxes 410. 411. TDHCA Closing Cost Credit 2,618.00 112. 412. TDHCA Loan Write Down 3,894.00 120. Gross Amount Due from Borrower: 2 201. Deposit or earnest money 84,926.12 500.00 420. Gross Amount Due to Seller 501. Excess deposit (see instructions) 89,012.00 202. Principal amount of new loan(s) 80, 773.00 502. Settlement charges to seller (line 1400) 635.00 203. Existing loan(s) taken subject to 204. Second Lien - TDHCA 503. Existing loan(s) taken subject to 1,720.12 504. Payoff of first mortgage loan TDHCA 86,394.00 205. 505. Payoff of second mortgage loan 206. 506. 207. Seller Pays Owner's Title Policy 208. 753.00 507. Seller Pays Owner's Title Policy 753.00 508. 209. Seller Paid Closing Costs 1,230.00 509. Seller Paid Closing Costs 210. City /town taxes 211. County taxes 510. City /town taxes 1,230.00 511. County taxes 212. Assessments 512. Assessments 213. Property Taxes 214. 513. Property Taxes 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid by /for Borrower 84,976.12 520. Total Reduction Amount Due Seller: 89,012.00 301. Gross amount due from borrower (line 120) 84,926.12 601. Gross amount due to seller (line 420) 89,012.00 302. Less amount paid by /for borrower (line 220) 303. CASH ()FROM (X)TO BORROWER 84,976.12 602. Less total reduction in amount due seller(line 520) 89,012.00 50.00 603. CASH ()FROM ()TO SELLER 0.00 SUBSTITUTE FORM 1099 SELLER STATEMENT - The information contained in Blocks E, G, H and I and on line 401 (or, if line 401 is asterisked, lines 403 and 404), 406, 407 and 408 -412 (applicable part of buyer's real estate tax reportable to the IRS) is important tax information and is being fumished to the Internal Revenue Service. If you are required to file a return, a negligence penalty or other sanction will be imposed on you if this item is required to be reported and the IRS determines that it has not been reported. SELLER INSTRUCTION - If this real estate was your principal residence, file form 2119, Sale or Exchange of Principal Residence, for any gain, with your income tax retum; for other transactions, complete the applicable parts of form 4797, Form 6252 and /or Schedule D (Form 1040). You are required by law to provide Walker County Title Company (936) 295 -8173 with your correct taxpayer identification number. If you do not provide Walker County Title Company (936) 295 -8173 with your correct taxpayer identification number, you may be subject to civil or criminal penalties. City of Huntsville 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 provide the parties to a RESPA covered transaction with information during the settlement process. MM� 4°�SI� 3.�.? »"a�'.v rs..o,' ;A!,'M4' �_.'�i,x.+rd„ .....kr r . r Paid From Borrower's Funds at Settlement Paid From Seller's Funds at Settlement 700. Total Real Estate Broker Fees Division of commission (line 700) as follows: 701. $ 702. $ 703. Commission paid at settlement 0.00 704. 705 r p6o Fi' E RR4`r _:?Y�y�i��' - '�� , i ��>��. ,. Nt�� artia+} p.�,_¢'a,i) iT�3�4 €. »a,y s ... ... %iv.E" id4E�d'i .L •�`.- w .,» 801. Our origination charge (from GFE#1) 802. Your credit or charge (points) for specific interest rate chosen (from GFE #2) 803. Your adjusted origination charges (from GFE A) 0.00 804. Appraisal fee (from GFE #3) 805. Credit report (from GFE #3) 806. Tax service (from GFE #3) 807. Flood certification (from GFE #3) 808. . 809. 810. 811. 812. Q' '' ii 901. Daily interest charges (from GFE #10) 902. Mortgage insurance premium' (from GFE #3) 903. Homeowner's insurance 1 year Hochheim Prairie Fan (from GFE#11) 529.00 904. 905. 143-0094' 0 p 9 { te : 4 _M, ui.r'r"nr,'� ,.� u' .n> Y`... }�: �n�,31'(h..v< 7 g �s .' ,� 4�. '" 5 . i. _. .. 1001. Initial deposit for your escrow account (from GFE #9) 421.12 1002. Homeowner's insurance 2 mo.@ $44.0800 per mo. $88.16 1003. Mortgage insurance 1004. City property taxes 1005. County property taxes 2 mo.@ $166.4800 per mo. $332.96 1006. Annual Assessments (maint.) 1007. 1 1008. 1009. Aggregate Adjustment I AApue �. . :.. 1 '..: ,, tl p � .':3' r < , ;��:` <.. , `°` �& I•l - , "'jY •4 .. ... '.. �. a&. .dye .. 1101. Title services and lender's title insurance (from GFE#4) 651.00 1102. Settlement or closing fee 1103. Owner's title insurance to Walker County Title Compa (from GFE #5) 753.00 1104. Lender's title insurance to Walker County Title Compa $200.00 1105. Lender's title policy limit $80,773.00 1106. Owner's title policy limit $82,500.00 1107. Agent's portion of the total title insurance premium $810.05 1108. Underwriter's portion of the total title insurance premium $142.95 1109. Agent Name: Walker County Title Company 1110. Underwriter Name:Stewart Title Guaranty Company 1111. Endorsements: T19, T36, Tax Del, NYDP 1112. 1113. 2nd Lien MTP + Endorsements to Walker Count) $105.00 1114. 1115. State Guaranty Fees (3) to Walker Count) $6.00 1116. Escrow /Closing Fee to Walker Count) $300.00 1117. Delivery Fee to Walker Count) $25.00 1118. Wire Fees (2) to Walker Count) $15.00 11200,t:.; xs rrit?t ptc�trl ` t 1 � � � -'` .... � E i � , 1201. Government recording charges (from GFE #7) 72.00 1202. Deed /Mortgage /Release Deed $24.00 Mortgage $48.00 Release $20.00 20.00 1203. Transfer taxes (from GFE #8) 0.00 1204. City /County tax/stamps 1205. State tax/stamps 1206. 1207. UCC Recording Fees to Walker County Title Company 56.00 1208. Recording Fee (Cleanup) to Walker County Title Company 64.00 1301. Required services that you can shop for (from GFE#6) 0.00 1302. Survey 1303. Home Warranty to First American Home Buyers Protection 495.00 1304. 1305. 1306. Homeowner Training to EHomeAmerica POCB 50.00 1400. Total settlement charges (entered on lines 103, section J and 502, section K) 2,426.12 635.00 5/16/13 2:58 PM File Number: 201302207 Our origination charge # 801 Good Faith Estimate HUD -1 Your credit or charge (points) for the specific interest rate chosen # 802 Your adjusted origination charges Transfer taxes # 803 # 1203 $0.00 Government recording charges Good Faith Estimate # 1201 HUD -1 $72.00 # 0.00 72.00 72.00 or Chagt r1 )1„ 'CIttklhstle ",f �4� fi x r �y;,: _ ,eg, Your loan term is Good Faith Estimate HUD -1 Initial deposit for your escrow account 8 1001 $ includes [ ] Principal [ ] Interest (] Mortgage Insurance $421.12 Daily interest charges 8 901 /day by %. Over the life of the loan, you interest rate is guaranteed to never be lower than % or higher than %. Homeowner's insurance 8 903 Even if you make payments on time, can your monthly amount owed for principal, interest, and mortgage insurance rise? [ ] No. [ ] Yes, the first increase can be on and the monthly amount $529.00 The maximum it can ever rise is to $ . # [ ] No. []Yes, your maximum prepayment penalty is $ . Does your loan have a balloon payment? [ ] No. [ ] Yes, you have a balloon payment of $ . due in years on # [ ] You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay these items directly yourself. [ ] You have an additional monthly escrow payment of $ that results in a total initial monthly amount owed of $ . This includes principal, interest, any mortgage insurance, and any items checked below: [ ] Property taxes [ ] Homeowner's insurance [ ] Flood insurance [ ] [] [] 8 # # 8 Loan Terms Your initial loan amount is $80,773.00 Your loan term is years Your initial interest rate is Your initial monthly amount owed for principal, interest, and any mortgage insurance is $ includes [ ] Principal [ ] Interest (] Mortgage Insurance Can your interest rate rise? [ ] No [ ] Yes, it can rise to a maximum of %. The first change will be on and can change every after . Every change date, your interest rate can increase or decrease by %. Over the life of the loan, you interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? [ ] No. [ ] Yes, it can rise to a maximum of $ . Even if you make payments on time, can your monthly amount owed for principal, interest, and mortgage insurance rise? [ ] No. [ ] Yes, the first increase can be on and the monthly amount owed can rise to $ . The maximum it can ever rise is to $ . Does your loan have a prepayment penalty? [ ] No. []Yes, your maximum prepayment penalty is $ . Does your loan have a balloon payment? [ ] No. [ ] Yes, you have a balloon payment of $ . due in years on Total monthly amount owed including escrow account payments [ ] You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay these items directly yourself. [ ] You have an additional monthly escrow payment of $ that results in a total initial monthly amount owed of $ . This includes principal, interest, any mortgage insurance, and any items checked below: [ ] Property taxes [ ] Homeowner's insurance [ ] Flood insurance [ ] [] [] Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Previous editions are obsolete HUD -1 GF: 201302207 CERTIFICATION I have carefully reviewed the HUD -1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD -1 Settlement Statement. SELLERS: f"ity bf Hu w tsville By: Matt Benoit, City Manager PURCHASERS: Karen Sulemon To the best of my knowledge, the HUD -1 Settlement Statement which I have prepared is a true and accurate account of the funds which were received and have been or will be disbursed by the undersigned as part of the settlement of this transaction. Walker County Title Company 774 Z, 20/J Settl - ent Age Date WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details, see: Title 18 U.S. Code Sections 1001 and 1010. Release of Lien Date: May 20, 2013 Return t0: WALKER COUNTY TITLE COMPANY 110P UNIVERSITY AVENUE HUNTSVILLE, TEXAS 77340 GF # ,9-0/3-62- 2.0 Holder of Note and Lien: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Holder's Mailing Address: P.O. BOX 13941, AUSTIN, TIYIS COUNTY, TEXAS 78711 -3941 Note Date: JUNE 19, 2012 Original principal amount: $96,609.70 Borrower: CITY OF HUNTSVILLE Lender: TEXAS DEPARTMENT OF HOUSING AND CO UNITY AF • R Maturity date: AUGUST 31, 2012 Note and Lien Are Described in the Following Documents: DEED OF TRUST DATED JUNE 19, 2012, RECORDED JUNE 27, 2012 IN VOLUME 1029, PAGE 210 OF THE OFFICIAL PUBLIC RECORDS OF WALKER COUNTY, TEXAS. SAID LIEN BEING MODIFIED BY MODIFICATION, RENEWAL AND EXTENSION AGREEMENT RECORDED DECEMBER 17, 2012, AND RECORDED IN VOLUME 1052, PAGE 852, OF THE OFFICIAL PUBLIC RECORDS OF WALKER COUNTY, TEXAS. Property (including any improvements): SEE EXHIBIT A ATTACHED HERETO AND INCORPORATED HEREIN FOR ALL PURPOSES. Holder of Note and Lien is the owner and holder of the Note and Lien described above. For value received, Holder of Note and Lien releases the Property from the Lien. Holder of Note and Lien expressly waives and releases all present and future rights to establish or enforce the Lien as security for payment of any future or other indebtedness. When the context requires, singular nouns and pronouns include the plural. Executed thi V dayofMay,2013in 1o/pv1,5 County, Texas. TEXAS D +i NT 11 OUSIN 41>1\w COMMUNITY AFFAIRS BY: Name: Its: Duly Authorize Representative THE STATE OF TEXAS COUNTY OF TRAVIS This instrument was acknowled ed before me on the aO- h day of May, 2013, by , duly authorized representative of the TEXAS OMMUNITY AFFAIRS, a public and official agency of the State of rgarQJ L. i�► w DEPARTMENT OF HOUSING AND Texas, on behalf of said (Seal) V P:.�9 PEGGY Mme, Ststs c ms -� Notary Want** 9oind My Corn.nss:c•, Expires JUNE22, 201 Notary Pub i•i•tate f Texas AFTER RECORDING RETURN TO: City of Huntsville 1212 Avenue M Huntsville, Texas 77340 M.E'I'ES AND BOUNDS DESCRIPTION of 293 Watkins Road, Huntsville, Texas Being a 0.1628 of an acre (7,090 square feet) tract of land located in the Pleasant Gray League, Abstract 24, Walker Caimty, Texas and being all of those certain tracts of land .described in Volume 210, Page 518 and Volume 315, Page 465 of the Deed Records of Walker County, Texas (D.R.W.C.T.); said 0.1628 of an .acre of land being more particularly described by:metes and bounds as follows: BEGINNING at a found 1/2 -inch iron.i rod found in the west line of that certain tract of land conveyed to Willie and Diann Wilmore by deed recorded in Volume 526, Page 55 of said Deed Records, being in the southerly occupied line of Watkins Road. (width varies) (no record information found); THENCE, South 00 °23'48" East, a distance of 50.00 feet, (called South 00 °25'40" East, 50.00 feet) along the westerly line of said Wilmore tract, to a found 1/2 -inch iron rod for the northeast corner of that certain tract of land convey to Rendie Edwards by deed recorded in Volume 169, Page.334 of said Deed Records; THENCE, North 82 °38'30" West,. a distance of 155.71 feet, (called North 82 °39'07" West) along the north line of said Edwards tract, at a distance of 106.6.8 feet passing.ti found 1 /2-inch iron pipe:round for the northwest corner of said Edwards tract, and continuing to a set 5/8 -inch iron rod with "GS" cap set in the easterly line of that certain tract of Land conveyed to Mineola Crooks, by deed recorded in Volume 159, Page 521 of said Deed Records; THENCE, North 23 °29'34" East, a distance of 50.00 feet, along the easterly line of said Crooks tract to a set 5/8 -inch iron rod with "GS" cap in the southerly line ofWatkins Road; THENCE, South 83 °16'59" East, a distance of 1.35.08 feet (called South 82 °39'07" East), along the southerly line of Watkuis Road to the. Point of Beginning and containing, 0,1628 of an acre (7,090 square feet) tract of land. Horizontal Control is based on holding City of Huntsville Monuments No 6914 (grid coordinate of North = 10,261,018.90 & East= 3,802,182.55) and 7120 (grid coordinate of North = 10,260,833.15 & East= 3,802,182.77). Bearings described are related to the Texas Coordinate System of 1983., Central Zone. Distances shown are US Survey Feet in "Field Horizontal" units and may be converted to "GRID" units by multiplying by a combined scale factor of 0.99988. Plat of even date accompanies this description. Prepared by: GeoSolutlans, LLC 25814 Budtle Road Spring, Texas Tel. 281-681-9766 Job No. 12- 249 -030 - NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOIVIAY REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROIAJ INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR DRIVER'S LICENSE NUMBER. aSic GENERAL WARRANTY DEED WITH VENDOR'S LIEN = ce ui (WITH SUBORDINATE VENDOR'S LIEN) S.2: J THE STATE OF TEXAS ) S KNOW ALL MEN BY THESE PRESENTS: .� COUNTY OF WALKER ) THAT CITY OF HUNTSVILLE, hereinafter called "GRANTOR" (whether one or more), for and in consideration of the sum of TEN AND NO /100 DOLLARS ($10.00) cash and other good and valuable consideration to GRANTOR in hand paid by, KAREN SULEMON, A SINGLE PERSON, whose mailing address is 293 WATKINS STREET, HUNTSVILLE, TX 77320, hereinafter called "GRANTEE" (whether one or more), the receipt and sufficiency of which are hereby acknowledged, and for the further consideration of the sum paid to GRANTOR by TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, hereinafter called FIRST -LIEN BENEFICIARY, at the special instance and request of GRANTEE, the receipt and sufficiency of which sum, being in the amount of Eighty Thousand Seven Hundred Seventy -Three And No /100 Dollars ($80,773.00), is hereby acknowledged and confessed; and as evidence of such advancement, GRANTEE has executed GRANTEE'S note of even date herewith for such amount payable to the order of FIRST -LIEN BENEFICIARY, said note payable as provided therein; and the payment of said note is secured by a vendor's lien reserved herein and is additionally secured by a deed of trust of even date with said note, executed by GRANTEE to TIMOTHY K. IRVINE, TRUSTEE, reference to which deed of trust is hereby made for all purposes; and in consideration of the payment by FIRST -LIEN BENEFICIARY of the sum specified in said deed of trust, GRANTOR hereby transfers, sets over, assigns, and conveys unto FIRST -LIEN BENEFICIARY and its assigns a vendor' s lien and superior title retained and reserved herein against the property and premises conveyed herein in the same manner and to the same extent as if said note had been executed in GRANTOR'S favor and assigned by GRANTOR to FIRST -LIEN BENEFICIARY without recourse; and GRANTOR has GRANTED, SOLD, and CONVEYED, and by these presents does GRANT, SELL, and CONVEY unto said GRANTEE, the following described property, to -wit: SEE EXHIBIT A ATTACHED HERETO AND INCORPORATED HEREIN FOR ALL PURPOSES. /I- TO HAVE AND TO HOLD the above - described premises, together with, all and singular, the rights and appurtenances thereunto in anywise belonging unto said GRANTEE and GRANTEE'S heirs and assigns forever. GRANTOR does hereby bind GRANTOR and GRANTOR'S heirs, executors, and administrators to warrant and forever defend, all and singular, the said premises unto the said GRANTEE and GRANTEE'S heirs and assigns against every person whomsoever lawfully claiming or to claim the same or any part thereof. Taxes of every nature for the current year have been prorated and are assumed by GRANTEE. This conveyance is made subject to, all and singular, the restrictions, mineral reservations, royalties, easements, and covenants, if any, applicable to and enforceable against the above - described property as reflected by the records of the County Clerk of the aforesaid County. GRANTOR and GRANTEE also acknowledge the retention of a second, subordinate and separate vendor's lien, and GRANTOR hereby transfers the same to TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, hereafter called "SECOND -LIEN BENEFICIARY ", which lien secures GRANTEE'S certain other note of even date to SECOND -LIEN BENEFICIARY in the amount of One Thousand Seven Hundred Twenty And Twelve /100 Dollars ($1,720.12), being further consideration paid to GRANTOR, as more particularly described in deed of trust of even date herewith to TIMOTHY K. IRVINE, TRUSTEE. But it is expressly agreed and stipulated that the vendor's lien and superior title are retained in favor of the FIRST -LIEN BENEFICIARY and SECOND -LIEN BENEFICIARY, respectively, against the above described property, premises and improvements, until each of the above respective notes is fully paid according to its terms, when this deed shall become absolute. When this deed is executed by more than one person, or when the GRANTOR or GRANTEE is more than one person, the instrument shall read as though pertinent verbs and pronouns were changed to correspond; and when executed by or to a corporation, the words "heirs, executors, and administrators" or "heirs and assigns" shall be construed to mean "successors and assigns." DATED this 20TH day of MAY, 2013. CITY OF HUNTSVILLE BY: NAME: TITLE: att City Manager TDHCA2NDGENWARDEED2NDWCOM Page 1 of 2 THE STATE OF TEXAS COUNTY OF WALKER ) ) This instrument was acknowledged before me on the by _. THE STATE OF TEXAS COUNTY OF WALKER ) ) (Acknowledgme My commission expires This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER ) ) Notary Public, State of Printed Name: (Acknowledgment) day of My commission expires This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER ) ) Notary Public, State of Printed Name: (Acknowledgment) day of My commission expires This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER Notary Public, State of Printed Name: (Acknowledgment) day of My commission expires Notary Public, State of Printed Name: (Corporate/E— Acknowledgment) . This instrument was acknowledged before me on the ' day of by of a • titzt. c 4 a f : � _ \pyPNN !No fir L -'\ ,,9lFOFTe ��iii 9- 14 -201A „00 AFTER RECORDING RETVOINN00 KAREN SULEMON 293 WATKINS STREET HUNTSVILLE, TX 77320 Re: 293 WATKINS STREET, HUNTSVILLE, TX 77320 , on behalf of said 7/ /V My commission expires Zc() e fa4ue:i-t:Litseecit, 5 4_, TDHCA2NDGENWARDEED2NDWCOM Page 2 of 2 Notary Public, State of r2? 1a Printed Name: 0 jo ,4.//4/ 446017 M.E'I'ES AND BOUNI)S.:I)ESCRI:pTION of 293 Watici.ns Road, .Huntsville, Texas Being a 0.1628 of an acre (7,090 square :feet) tract of land located in the Pleasant Gray League, Abstract 24, Walker County, Texas and being all of those certain tracts of .land described in Volume 210, Page 518 .and. Volume 315, Page. 465 of the Deed .Records of Walker County, Texas (D,R.W,C.T.); said 0.1628 of an :acre of land 'being more particularly described bylnetes and bounds as follows: BEGINNING at a found 1/2 -ineh iron rod found in the west line of that certain tract of land conveyed to Willie and Diann Wilmore.by deed . recorded in `Volume 526, Page 55' of said ;Deed Records, being in the southerly occupied line of Watkins Road. (width varies) (no record information found); THENCE, South 00 °23'48" East, a ilistance'of 50:00 feet, (called South 00 °25'40" East, 50,00 .feet) along the westerly line of said Wilmore tract, to n found 1/2 -inch iron rod for the northeast corner of that Certain tract of land 'convey ?o Ren lie Edwards by deed recorded in Volume 16.9, .Page 334 of said Deed Records; THENCE, North 82 °38'30" West, a distance of 155,71 feet (called North 82 °39'07" West) along the north line of saidEd.wards tract, at a 'distance of 106.68 feet passing a found a/2 -inch iron pipe .found for the northwest corner Of said Edwards tract, and continuing to a Set 5/8 -inch iron rod with "GS" cap set in the easterly line of that, certain tract of ltmct conveyed to Mineola Crooks, by deed recorded in Volume 159, Page 521 ofsaid. Deets Records; THENCE, North 23 °29'34" East, .a distance of 50.00 feet, along the easterly line of said Crooks tract to a set. 5/8 -inch iron rod with "GS" cop in the southerly line of Watkins Road; THENCE, South 83 °16'59 ".. +cast, a distance 01..135.08 feet (called .South 82°39'07" .Fast), along the southerly line of Watkins Road to the.Point:of.13eginning and containing. 0.1628 of air acre (7,090 square feet) tract: of land. Horizontal Control is based on holding City of Huntsville Monuments No. 69,14 .(grid coordinate of North = 10,261,018.90 &.East= 3,802,182.55.) and 7120 (grid coordinate of North 10,260,833.15 & East= 3,802,.182.77).. Bearings. described are related to the Texas Coordinate System of 1.983, Central Zone, :Distances shown are US ;Survey Feet in ".Field horizontal" units and may be converted to "GRID" units by multiplying by a combined scalefactor o.f 0.99988, Plot of even date accompanies this description. Prepared by; GeoSolutions; LLC 25814 Buckle. Roa(1 Spring, Texas Tel, 281-681-9766 Job No. 12. -249 -030 EXHIBIT "A" PAGE 1_ OF 1 _r 1 FIRST PAGE OF THE CLOSING PACKAGE FOR KAREN SULEMON LOAN #: 77099991265B 5/20/2013 8:14 AM FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991265B AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: KAREN SULEMON ADDRESS: 293 WATKINS STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 293 WATKINS STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0.0268% Finance Charge The dollar amount the credit will cost you. $325.00 Amount Financed The amount of credit provided to you or on your behalf. $80,448.00 Total of Payments The amount you will have paid after you have made all payments as scheduled. $80,773.00 INTEREST RATE AND PAYMENT SUMMARY Rate.& " Monthly . Payment Interest Rate 0% Principal + Interest Payment $224.37+ Est. Taxes + Insurance (Escrow) $210.561 Total Est. Monthly Payment $434.93 Final Balloon Payment due : DEMAND FEATURE: IR This loan does not have a Demand Feature. r This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: r This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier. SECURITY: You are giving a security interest in the property located at: 293 WATKINS STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $72.00 (e) ASSUMPTION: Somebody buying this property I2K cannot assume the remaining balance due under original mortgage terms r may assume, subject to Lender's conditions, the remaining balance due under original mortgage terms. PROPERTY INSURANCE: Borrower may purchase property hazard insurance from any insurance company acceptable to the lender. Hazard insurance r; is R is not available through the lender at a cost of for a year term. LATE CHARGES: If your payment is more than 15 days late, you will be charged a late charge of 5% of the overdue payment. PREPAYMENT: If you pa off your loan early, you ET may ti will not have to pay a penalty r may will not be entitled to a refund of part of the finance charge. You are not required to complete this agreement merely because you have received these disclosures or signed a loan application. There is no guarantee that you will be able to refinance to lower your rate and payments. See your contract documents for any additional information regarding non - payment, default, right to accelerate before scheduled maturity date, pre - payment refunds and penalties, and further information regarding security interests and the policy regarding assumption of the obligation. (e) appearing by a date or figure means it is an estimate. I /We hereby acknowledge reading and receiving a complete copy of this disclosure. REN SULEMON Borrower/Date Borrower /Date Borrower /Date Borrower /Date Borrower /Date USTILFIX Page 1 or Borrower /Date 5/20/2013 8:14 AM FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991265B AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: KAREN SULEMON ADDRESS: 293 WATKINS STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 293 WATKINS STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0.0268% Finance Charge The dollar amount the credit will cost you. $325.00 Amount Financed The amount of credit provided to you or on your behalf $80,448.00 Total of Payments The amount you will have paid after you have made all payments as scheduled. $80,773.00 INTEREST RATE AND PAYMENT SUMMARY Rate &Monthly Payment Interest Rate 0 °/a Principal + Interest Payment $224.37 Est. Taxes + Insurance (Escrow) $210.56 Total Est. Monthly Payment $434.93 Final Balloon Payment due : DEMAND FEATURE: F This loan does not have a Demand Feature. r This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: f This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier. SECURITY: You are giving a security interest in the property located at: 293 WATKINS STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $72.00 (e) ASSUMPTION: Somebody buying this property F cannot assume the remaining balance due under original mortgage terms ri may assume, subject to Lender's conditions, the remaining balance due under original mortgage terms. PROPERTY INSURANCE: Borrower may purchase property hazard insurance from any insurance company acceptable to the lender. Hazard insurance fl is is not available through the lender at a cost of for a year term. LATE CHARGES: If your payment is more than 15 days late, you will be charged a late charge of 5% of the overdue payment. PREPAYMENT: If you pa off your loan early, you i may 15K will not have to pay a penalty n may R will not be entitled to a refund of part of the finance charge. You are not required to complete this agreement merely because you have received these disclosures or signed a loan application. There is no guarantee that you will be able to refinance to lower your rate and payments. See your contract documents for any additional information regarding non - payment, default, right to accelerate before scheduled maturity date, pre - payment refunds and penalties, and further information regarding security interests and the policy regarding assumption of the obligation. (e) appearing by a date or figure means it is an estimate. I /We hereby acknowledge reading and receiving a complete copy of this disclosure. KAREN SULEMON Borrower/Date Borrower /Date Borrower /Date Borrower /Date Borrower /Date USTILFIX Page I of I Borrower /Date ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991265B Loan Amount: $80,773.00 Borrower(s): KAREN SULEMON Property Address: 293 WATKINS STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 293 WATKINS STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: $80,448.00 Fee Description Amount AMOUNT PAID ON YOUR ACCOUNT /PAID TO OTHERS ON YOUR BEHALF: Hazard Insurance Premium $ 529.00 Hazard Insurance Reserves $ 88.16 County Tax Reserves $ 332.96 Lenders Title Insurance Fee $ 326.00 Owners Title Insurance Fee $ 753.00 Recording Fee $ 72.00 HOMEOWNER TRAINING TO EHOMEAMERICA $ 50.00 Credit for Seller Paid Fees ($ 1,230.00) ITEMIZATION OF PREPAID FINANCE CHARGE: Title Closing /Escrow Fee Title Co Misc Fee $ 300.00 $ 25.00 Total Prepaid Finance Charges $325.00 EN SULEMO KA Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991265B Loan Amount: $80,773.00 Borrower(s): KAREN SULEMON Property Address: 293 WATKINS STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 293 WATKINS STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: $80,448.00 Fee Description AMOUNT PAID ON YOUR ACCOUNT/PA1D TO OTHERS ON YOUR BEHALF: Hazard Insurance Premium Hazard Insurance Reserves County Tax Reserves Lenders Title Insurance Fee Owners Title Insurance Fee Recording Fee HOMEOWNER TRAINING TO EHOMEAMERICA Credit for Seller Paid Fees ITEMIZATION OF PREPAID FINANCE CHARGE: Title Closing /Escrow Fee Title Co Misc Fee Amount $ 529.00 $ 88.16 $ 332.96 $ 326.00 $ 753.00 $ 72.00 $ 50.00 ($ 1,230.00) $ 300.00 $ 25.00 Total Prepaid Finance Charges $325.00 :t EN SULEM N Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1