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2/27/13 11:42 AM OMB No. 2502 -0265 * A. U.S. Department of Housing and Urban Development Settlement Statement (HUD -1) B. Type of Loan 1. [ ] FHA 2. [ ] RHS 3. [X] Conv. Unins. 4.1 ] VA 5. [ ] Conv. Ins. 6. File Number 2012121292A 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: Yessenia Interiano, 104 Ashley Lane, Huntsville, TX 77320 E. Name & Address of Seller: City of Huntsville, 1212 Avenue M, 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: Lot 1, Vann Johnson Subdivision 500 2nd Street, Huntsville, TX 77340 H. Settlement Agent: Walker County Title Company (936) 295 -8173 TIN: 742113306 Place of Settlement: 1109 University Avenue, Huntsville, TX 77340 I. Settlement Date: 2/28/2013 Proration Date: 2/28/2013 Recording Date: 2/28/2013 Disbursed Date: 2/28/2013 101. Contract sales price 90,050.00 401. Contract sales price 90,050.00 102. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 2,721.94 403. 104. 404. 105. 405. ,» `�% 406. City /town taxes 106. City /town taxes 107. County taxes 407. County taxes 108. Assessments 408. Assessments 109. Property Taxes 409. Property Taxes 110. 410. 111. 411. TDHCA Closing Cost Credit 1,259.00 112. 412. TDHCA Loan Write Down 2,210.35 120. Gross Amount Due from Borrower: 92,771.94 420. Gross Amount Due to Seller 93,519.35 '�i�F, +,..e w b. 5,;��.�r .�rc .a , <. ':1�z,. �a , - ", ..°F^ {rc:'� 500.00 '• ® :d e - ,,.; 501. Excess deposit (see instructions) •?�,.. .i 201. Deposit or earnest money 202. Principal amount of new loan(s) 61,542.94 502. Settlement charges to seller (line 1400) 480.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. Second Lien - TDHCA 30,000.00 504. Payoff of first mortgage loan TDHCA 92,260.35 205. 505. Payoff of second mortgage loan 206. 506. 207. Seller Pays Owner's Title Policy 779.00 507. Seller Pays Owner's Title Policy 779.00 208. 508. 209. 509. .um Ad(GS* �r���'fQ��tA&��e�F� °; °�` .< "... ... � ,..tea , .•N ..,��- � ,�g 's 510. City /town taxes 210. City /town taxes 211. County taxes 511. County taxes 212. Assessments 512. Assessments 213. Property Taxes 513. Property Taxes 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid by /for Borrower 92,821.94 520. Total Reduction Amount Due Seller: 93,519.35 , 92,771.94 601. Gross amount due to seller (line 420) 93,519.35 301. Gross amount due from borrower (line 120) 302. Less amount paid by /for borrower (line 220) 92,821.94 602. Less total reduction in amount due seller(line 520) 93,519.35 303. CASH ()FROM (X)TO BORROWER 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 furnished 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 return; 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. 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. 7(05. 161 l �{ ey iy� .�T 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. 813. 9.0944 n 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) 622.00 904. 905. 472.94 1001. Initial deposit for your escrow account (from GFE #9) 1002. Homeowner's insurance 2 mo.@ $51.8300 per mo. $103.66 1003. Mortgage insurance 1004. City property taxes 1005. County property taxes 2 mo.@ $184.6400 per mo. $369.28 1006. Annual Assessments (maint.) 1007. 1008. 1009. Aggregate Adjustment ��3� .)nro x�uL= ..... .d. , ` v.3�a ¢ .... n 9iiIGi A. xlh�,, �,m c t -., '•� ,n .�". �� - ��d Pttjd a }.� ., -- � �77'f: r�+ '�"h 646.00 . 1101. Title services and lender's title insurance (from GFE #4) 1102. Settlement or closing fee 1103. Owner's title insurance to Walker County Title Compa (from GFE #5) 779.00 1104. Lender's title insurance to Walker County Title Compa $200.00 1105. Lender's title policy limit $61,542.94 1106. Owner's title policy limit $90,050.00 1107. Agent's portion of the total title insurance premium $832.15 1108. Underwriter's portion of the total title insurance premium $146.85 1109. Agent Name: Walker County Title Company 1110. Underwriter Name:Title Resources Guaranty Company 1111. Endorsements: T19, T36, Tax Del, NYDP 1112. 1113. 2nd Lien MTP + endorsements to Walker Count) $105.00 1114. 1115. State Guaranty Fee (3 policies) to Walker Count) $6.00 1116. Escrow /Closing Fee to Walker Count) $300.00 1117. Tax Certificate to Walker Count) $10.00 to Walker Count) $25.00 1118. Delivery Fee to !� p ' d? .. � t! �lil xS��i•t�. 116.00 1201. Government recording charges (from GFE #7) 1202. Deed /Mortgage /Release Deed $20.00 Mortgage $48.00 2nd $48.00 1203. Transfer taxes (from GFE #8) 0.00 1204. City /County tax/stamps 1205. State tax/stamps 1206. UCC Recording Fees to Walker County Title Company 56.00 Yyry� 'p[.�(�_ {�r� �{ x Y Oz Mdl ' t? +s �lA3 S?�P '} �'�Y+'4 eT '' s_ .F H: JAI?; i`.. 4, 1 �g9j'.�•' f SS^4 5.?. �i J�i"'�.-0 _ -x i�31 S;F +4 .'wt4"' _, u 0.00 ... , 1301. Required services that you can shop for (from GFE #6) 1302. Survey 1303. Home Warranty to First American Home Buyers Protection 480.00 1304. 1305. NSF Check Charge to Walker County Title Company 30.00 1306. Homeowner Training to EHomeAmerica POCB 50.00 1307. NO Construction Reimbursement 1400. Total settlement charges (entered on lines 103, section J and 502, section K) 2,721.94 480.00 2/27/13 11:42 AM Our origination charge Your credit or charge (points) for the specific interest rate chosen # 802 Your adjusted origination charges Transfer taxes Oates a sinTota Government recording charges # 1201 File Number: 2012121292A Good Faith Estimate HUD -1 Good Faith Estimate HUD -1 $0.00 $116.00 0.00 116.00 116.00 or Charge: Char► Good Faith Estimate HUD -1 Initial deposit for your escrow account # 1001 $472.94 Daily interest charges # 901 /day Homeowner's insurance # 903 $622.00 Loan Terms Your initial loan amount is $61,542.94 Your loan term is years Your initial interest rate is % Your initial monthly amount owed for principal, interest, and any mortgage insurance is $ includes [ 1 Principal [ 1 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: [ 1 Property taxes [ ] Homeowner's insurance [ 1 Flood insurance 11 [1 I] 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: 2012121292A 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: City 61 Hunts ' le PURCHASERS: 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 a -a8 -(3 Settle ent Agent 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. 4/11/12 9: A. U.S. Department of Housing and Urban Development Settlement Statement B. Type of Loan _ ___ --- 1. [ ] FHA 2. [ ] FMHA 3. [X] Conv. Unins. 4. [ ] VA 5. [ ] Cony. Ins. 6. File Number 201201084 7. Loan Number 8. Mortgage Ins. Case No. C. Note: This form is furnished to give you a statement of actual settlement costs. ounts paid to and by the settlement agent are shown. Items marked ( "POC') were paid outside the closing: t fa, - re shown here for information •u •oses and are not included in the totals. D. Name of Borrower: City of Huntsvile, 1212 Avenue M, Huntsville, TX 77340 Or -y E. Name of Seller: • f b F. Name of Lender: Texas Department of Housing and Community Affairs, 221 East 11th Street, �, : 1 f Austin, TX 78701'x_ NJ, �I G. Property Location: Lot 9, Block 24, Highland Addition, Section 3 " � C O 2001 Normal Park, Huntsville, TX 77340 `i6>. �0 4; H. Settlement Agent: Walker County Title Company (936) 295 -8173 ` J ;b ' ' • 742113306 Place of Settlement: 1109 University Avenue, Huntsville, TX 77340 /, ``p1r• Yob. �. . I. Settlement Date: 4/12/2012 Proration Date: 4/12/21 ./ 100. Gross amount due from borrower: 400. Gross amount due to seller: 101. Contract sales price 401. Contract sales price 102. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 827.80 403. 104. Payoff TDHCA Loan #770999991261 100,000.00 404. 105. Construction Funds Held by Lender 10,188.25 405. Adfu&tfnerlts,fof ,..° _. _.. -`° w, .,- 106. City /town taxes �. :s's''ica' 406. City/town taxes 107. County taxes 407. County taxes 108. Assessments 408. Assessments 109. Property Taxes 409. Property Taxes 110. � 410. 111. 411. 112. 412. 120. Gross amount due from borrower: 111,016.05 420. Gross amount due to seller: 0.00 200. ` Amounts va il b • 'H .o, .:� a , „mom . # , ; s '�s;qb a 201. Deposit or earnest money 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 110,188.25 502. Settlement charges to seller (line 1400) 0.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206. -- 506. 207. 507. 208. -- 508. 209. 509. Ad)ustments for items'ul's .= 210. City /town taxes €; ! ti 4 510. City/town taxes 211. County taxes 511. County taxes 212. Assessments 512. Assessments 213. Property Taxes 513. Property Taxes 214. __ 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. -.519. 220. Total paid by /for borrower: 110,188.25 520. Total reduction in amount due seller: 0.00 300300 Q{. - .. • ! fi . CiB� {� � 3.84 � �'��'�a�L.» w�`:w e .. w � ,(, 111,016.05 WE4 aF•xJ (Q 4, ! ,� ®'•.. + i [ � ' � � � � : iYY �k �ia¢a'1*? 301. Gross amount due from borrower (line 120) 601. Gross amount due to seller (line 420) 0.00 302. Less amount paid by/for borrower (line 220) 110,188.25 602. Less total reduction in amount due seller(Iine 520) 0.00 303. CASH (X)FROM ()TO BORROWER 827.80 603. CASH ()FROM ()TO SELLER 0.00 sves� i i i u i t rvKM 1 o99 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 principle 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. k: Settleme t'C# a e F 700. Total sales /broker commission Division of commission (line 700) as follows: 701. 702. 703. Commission paid at settlement Paid From Borrower's Funds at Settlement 01 Paid From Seller's Funds at Settlement 704. 705. 706. 800. 801. Loan origination fee 802. Loan discount 803. Appraisal fee 804. Credit report 805. Lender's inspection fee 806. Mortgage insurance application fee 807. Assumption fee 808. 809. 810. 811. 812. 901. Interest from 902. Mortgage insurance premium for 903. Hazard insurance premium for 904. 905. VA Funding Fee 1001. Hazard insurance 1002. Mortgage insurance 1003. City property taxes 1004. County property taxes 1005. Annual assessments (maint.) 1006. 1007. 1008. 1009. Aggregate Adjustment 1100. 1101. Settlement or closing fee 1102. Abstract or title search 1103. Title examination 1104. Title insurance binder 1105. Document preparation 1106. Notary fees 1107. Attorneys fees to includes above items no.: 1108. Title insurance to Walker County Title Company includes above items no.: 1109. Lender's coverage $110,188.25 $897.00 1110. Owner's coverage 1111. State Guaranty Fee (Owner) 1112. State Guaranty Fee (MTG) to Walker County Title Company 1113. Escrow /Closing Fee to Walker County Title Company 1114. Credit for Prior SGF Overcharge to Walker County Title Company 1115. Delivery Fee to Walker County Title Company 1116. Credit Refi w/i 2 years to Walker County Title Company 120(L.;:. '% .G O 1i 0 1201. Recording fees: Mortgage $144.00 1202. City/county tax/stamps: 1203. State tax/stamps: 1204. 1205. 1206. 1300:.' mammal:** 1301. Survey 1302. Pest inspection 1303. 1304. 1305. PROPERTY TAX EXEMPT 1400. Total settlement charges (entered on lines 103, section J and 502, section K) 897.00 2.00 100.00 (3.00) 25.00 (337.20) 144.00 827.80 0.00 LEGENIC GUY WIRE POWER POLE SIGN WATER WELL FOUND MONUMENTTION (TYPE NOTED) METER BOX POWER LINES FENCE EDGE OF ASPHALT 2U z D.R.W.C.T. 0.P.R.W.C.T. P.R.W.C.T. DEED RECORDS WALKER COUNTY, TEXAS OFFICIAL PUBLIC RECORDS WALKER COUNTY, TEXAS PLAT RECORDS WALKER COUNTY, TEXAS LOT 2 CALLED 1.17 ACRES CITY OF HUNTSVILLE VOL. 955, PACE 720 0.PR. ..CT. SUBDIVISION LINE 4' CNAINLINK // !`ENCE // ?LORI/WE RANDLE VOL. 179, PC. 541 DR TI' C. T. 10' B.L. PER PLAT 15 30 SCALE: 1" = 30' VANN r JOHNSON m SUBDIVISION 1 VOL. 5, PG. 81 I P.R.W.C.T. N872411 80.17' FND.5 /8 "1.R. LOT LINE W/CAP 1D' B.L. PER PLAT SURVEYOR'S CERTIFICATE 25.1' 25.1 (i) 1 —STORY ' BRICK " '° BUILDING LOT 1 ;0.185 ACRES' '(8,080 SQ. FT.) 29.0' -J Q rti N FND. 5/8 "I. R. W CAP PORCH 25 B.L PER PLAT CONC 88' —8- 12"CP. Ia uE Ga yr STEPS 1.0 a5 N 0) PER PLAN 1 W .19'p© FND.1 /2 "1R SECOND STREET ASPHA T (50' ROAD ESMT) Gr1LLED 9.0�! ACRES VOL. 70, PG. 393 CITY OF HHUNTSVILLE D.R. W.C. T. VOL. >80, .99 I hereby certify to The City of Huntsville that this survey was made on the ground and completed on November 9, 2012 that this drawing correctly represents the facts found at the time of survey and that this professional service substantially conforms to the current Texas Society of Professional Surveyors Standards and Specifications for a Category 1B, Condition II Survey. Step h K M. Chruszcrzak R,P.L.S. No. 5937 NOTES: 1. This survey was performed without the benefit of a Title Commitment. 2. Horizontal Control is based on holding City of Huntsville Monuments No. 7574 (grid coordinate of North = 10,262,485.31 & East= 3.802,009.473) and 7575 (grid coordinate of North = 10,262.526.24 & Eost' 3,801,780.255). Bearings described are related to the Texas Coordinote 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 o combined scale factor of 0.99988. 3. Square footage totals shown hereon are based on mathematical closures and do not necessarily represent the positional accuracy of the boundary monumentation. NM O 60 Lu Lu Q' CALLED 5O' ROAD PT. RESIDUE GIBBS BRDS. & CO. (ADICKES TRACT No. 9) VOL. 854 !PAGE 161 D.R. f C. 7: FND.5 /8 "I.R. W /CAP STEPHEN M. CHRUSZCZAK '1°4 5937 1 •.. e s s't0", 0sw " ASBUILT SURVEY OF LOT 1 OF VANN - JOHNSON SUBDIVISION OF THE PLEASANT GRAY LEAGUE, A-24 IN WALKER COUNTY, TEXAS 74 Sol utions,LLC 25814 Budde Road Spring, Texas 77380 Phone: 281- 681 -9766 Fox: 281- 681 -9779 Drnvin9 eY KC CMocknd ey. SC Project No. 11- 249-027 Onto: 11/12/12 5cttlo: Droving Nome rAtloo/KM No, LOT1 TASB .DWG IN /A r.e.: N/A METES AND BOUNDS DESCRIPTION of Lot 1 of Vann - Johnson Subdivision, Huntsville, Texas Being a 0.185 of an acre (8,080 square feet) tract of land located in the Pleasant Gray League, Abstract 24, Walker County, Texas and being all of Lot 1 of the Vann - Johnson Subdivision, as recorded in Volume 5, Page 81 of the Plat Records of Walker County, Texas (P.R.W.C.T.) same being a portion of that certain called 1.17 acre tract of land conveyed to the City of Huntsville by deed and recorded in Volume 955, Page 720 of the Official Public Records of Walker County,. Texas (O.P.R.W.C.T.); said 0.185 of an acre of land being more particularly described by metes and bounds as follows: BEGINNING at a found 5/8 -inch iron rod with cap at the southwesterly corner of that certain called 50' Road as recorded in Volume 85, Page 161 of Deed Records of Walker County, Texas (.D.R.W.C.), being in the northerly line of that certain called 9.04 acre tract of land conveyed to the City of Huntsville by deed and recorded under Volume 180, Page 99 of said Deed Records, same being the northerly line of Second Street (50' Road Easement) of record under Volume 70, Page 393 of said Deed Records, and being the southeasterly corner of said Lot 1 and said 1.17 acre tract; THENCE, South 88 °31'13" West, a distance of 80.19 feet, along the southerly line of said Lot 1 and said 1.17 acre tract, being the northerly line of said 9.0.4 acre tract and said Second Street to a found 5/8 -inch iron rod with cap at the southeasterly corner of that certain tract of land conveyed to Florine Randle by deed and recorded in Volume 179, Page 541 of said Deed Records, being the southwesterly corner of said Lot 1 and said 1.17 acre tract; THENCE, North 02 °35'47" West, a distance of 100.00 feet, along the common line of said Florine Randle tract and said Lot 1 and 1.17 acre tract to a found 5/8 -inch iron rod with cap in the southerly line of Lot 2 of said Vann - Johnson Subdivision, being the northeasterly corner of said Florine Randle tract, same being the northwesterly corner of said Lot 1, and being an el corner in the westerly line of said 1.17 acre tract; THENCE, North 87 °24'13" East, a distance of 80.17 feet, along the southerly line of said Lot 2, being the northerly line of said Lot 1 to a found 5/8 -inch iron rod with cap in the westerly line of said 50' Road, being the southeasterly corner of said. Lot 2, same being the northeasterly corner of said Lot 1 and being in the easterly line of said 1.17 acre tract; THENCE, South 02 °35'47" East, a distance of 101.56 feet, along the westerly line of said 50' Road, being the easterly line of said Lot 1 and said 1,17 acre tract to the Point of Beginning and containing 0.185 of an acre of land. Horizontal Control is based on holding City of Huntsville Monuments No. 7574 (grid coordinate of North = 10,262,485.31 & East= 3,802,009.473) and 7575 (grid coordinate of North = 10,262,526.24 & East= 3,801,780.255). 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: GeoSolutions, LLC 25814 Budde Road Spring, Texas Tel. 281- 681 -9766 NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YO yetio. �+ REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FRO1A1 INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER Q34` DRIVER'S LICENSE im.Egmu KNOW ALL MEN BY THESE PRESENTS: (5 z GENERAL WARRANTY DEED WITH VENDOR'S LIEN (WITH SUBORDINATE VENDOR'S LIEN) THE STATE OF TEXAS 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, YESSENIA INTERIANO, A SINGLE PERSON, whose mailing address is 500 2ND 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 Sixty -One Thousand Five Hundred Forty -Two And Ninety- Four /100 Dollars ($61,542.94), 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. 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 Thirty Thousand And No /100 Dollars ($30,000.00), 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 28TH day of FEBRUARY, 2013. CITY OF HUNTS LLE BY: � NAME: Wl1i} e no �'� TITLE: C4 th n cl 1 BMGGENWARDEED2NDWCOM Page 1 of 2 THE STATE OF TEXAS COUNTY OF LKER This instrument was acknowledge by _ ) ) e on the (Acknowledgment) a o THE STATE OF TEXAS COUNTY OF WALKER ) ) My commission expires This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER ) ) Notary Pu Printed Name: (Acknowledgment) day of My commission expires This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER ) ) Al/ho,eAt 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 ) ) AFTER RECORDING N\ Notary Public, State of Printed Name: (Acknowledgment) day of My commission expires This instrument was acknowledged before me on the `111 11 1 by of a •� _ • • �/' OF TEX e. 4 ORES .•� ,a ' sy '/ /iA /Z"201 4 ‘\" Notary Public, State of Printed Name: (Corporate/Entity Acknowledgment) L y /LE. 2�? 2oe day of 4 , on behalf of said g -/ -2e /'K My commission expires N o ary P ic, State of 7__ P • nted N me`7 ioy /44v/4/ / 24it� TO: YESSENIA INTERIANO 500 2ND STREET HUNTSVILLE, TX 77320 Re: 500 2ND STREET, HUNTSVILLE, TX 77320 BMGGENWARDEED2NDWCOM Page 2 of 2 METES AND BOUNDS DESCRIPTION of Lot 1 of Vann - Johnson Subdivision, Huntsville, Texas Being a 0.185 of an acre (8,080 square feet) tract of land located in the Pleasant Gray League, Abstract 24, Walker County, Texas and being all of Lot 1 of the Vann - Johnson Subdivision, as recorded in Volume 5, Page 81 of the Plat Records of Walker County, Texas (P.R.W.C.T.) same being a portion of that certain called 1.17 acre tract of land conveyed to the City of Huntsville by deed and recorded in Volume 955, Page 720 of the Official Public Records of Walker County,. Texas (O.P.R.W.C.T.); said 0.185 of an acre of land being more particularly described by metes and bounds as follows: BEGINNING at a found 518 -inch iron rod with cap at the southwesterly corner of that certain called 50' Road as recorded in Volume 85, Page 161 of Deed Records of Walker County, Texas (D.R.W.C.), being in the northerly line of that certain called 9.04 acre tract of land conveyed to the City of Huntsville by deed and recorded under Volume 180, Page 99 of said Deed Records, SHIM being the northerly line of Second Street (50' Road Easement) of record under Volume 70, Page 393 of said Deed Records, and being the southeasterly corner of said Lot 1 and said 1.17 acre tract; THENCE, South 88 °31'13" West, a distance of 80.19 feet, along the southerly line of said Lot 1 and said 1.17 acre tract, being the northerly line of said 9.04 acre tract and said Second Street to a found 5/8 -inch iron rocl with cap at the southeasterly corner of that certain tract of land conveyed to Florine Randle by deed and recorded in Volume 179, Page 541 of said Deed Records, being-the southwesterly corner of said Lot 1 and said 1.17 acre tract; THENCE, North 02 °35'47" West, a distance of 100.00 feet, along the common line of said Florine Randle tract and said Lot 1 and 1.17 acre tract to a found 5/8 -inch iron rod with cap in the southerly line of Lot 2 of said Vann - Johnson Subdivision, being the northeasterly corner of said Florine Randle tract, same being the northwesterly corner of said Lot 1, and being an el corner in the westerly line of said 1.17 acre tract; THENCE, North 87 °24'13" East, a distance of 80.17 feet, along the southerly line of said Lot 2, being the northerly line of said Lot 1 to a found 5/8 -inch iron rod with cap in the westerly line of said 50' Road, being the southeasterly corner of said Lot 2, same being the northeasterly corner of said Lot 1 and being in the easterly line of said 1.17 acre tract; THENCE, South 02 °35'47" East, a distance of 101.56 feet, along the westerly line of said 50' Road, being the easterly line of said Lot 1 and said 1.17 acre tract to the Point of Beginning and containing 0.185 of an acre of land. Horizontal Control is based on holding City of Huntsville Monuments No. 7574 (grid coordinate of North = 10,262,485.31 & East= 3,802,009.473) and 7575 (grid coordinate of North = 10,262,526.24 & East= 3,801,780.255). 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: GeoSolutious, LLC 25814 Budde Road Spring, Texas Tel. 281 - 681 -9766 EX {:I IT ." PAGE LEGEND -3 rea • —P— GUY WIRE POWER POLE SIGN WATER WELL FOUND MONUMENTTION (TYPE NOTED) POWER LINES FENCE /// EDGE OF ASPHALT w L� W m 1- b^ L D.R.W,C.T. 0.P.R.W.C.T. P.R.W.C.T. DEED RECORDS WALKER COUNTY, TEXAS OFFICIAL PUBLIC RECORDS WALKER COUNTY, TEXAS PLAT RECORDS WALKER COUNTY, TEXAS LOT 2 CALLED 1.17 ACRES CITY O! HUNTSVILLE VOL. 955, PACE 720 0, P.R. HY. C, T. SUBDIVISION LINE 4' CNAINUNK FEIJC£ PLOR /NC RANDLE VOL 179, K. 541 D. R. lY. C. T. #�a 10' BA_ PER PUT z t3� a 0 15 30 SCALE: 1" 30' IU Ir_ IA I� J N87-24'1 3''E 80.17' FND.5 /8 "I.R. LOT LINE W /CAP 10' B.L. PER PLAT (0.185 ACRE SS BARB WIRE ($080 SQ.FT.) O to 0 O SURVEYOR'S CERTIFICATE FENCE 0. a '41 LOT 1 VANN- JOHNSON SUBDIVISION VOL. 5, PG. 81 P.R.W.C.T. L - - - --� 25' B.L PER PLAT Z 7ND.5/8'I,R. W /CAP m io u.E rca PL T 10' U.E. PER PLAT CONC. 588'31'13 "W G 80, 1 9 - -3-1 FND.5 /8 "1.1i. W /CAP 60 CALLED 50' ROAD Pr. RESIDUE GIBBS BROS. & CO. (ADICKES TRACT No. 9) VOL. 85, PAGE 161 D.R. W. C.L P.D.B. FND.5 /8' I.R. W /CAP SECOND STREET EDGE of ASPHALT (50' ROAD ESMT) CALLED 9.04 ACRES VOL. 70, PG. 393 CITY OF HUNTSV /LLE' D.R. W.C.T. VOL. 180, PC 99 I hereby certify to The City of Huntsville that this survey was D.R./Y.C.T. mode on the ground and completed on August 15. 2011 That this drawing correctly represents the facts found at the Ilme of survey and Thal this professional service substantially conforms to the current Texos Society of Professional Surveyors Standards and Specificollons for o Category 18. Condition II Survey. St pher rA Chrusz R.P.L.S. No. 59.3 NOTES: 1. This survey was performed without the benefit of o Title Comm i lmen 1. 2. Horizontal Control is based on holding City of Huntsville Monuments Na. 7574 (grld coordinate of North m 10,262,485.31 & East= 3,802,009.473) and 7575 (grid eoordlnole of North = 10.262,526.24 & East.. 3,601,780.255). 8eorings described are related to the Texos 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 0.99986. 3. Square footage totals shown hereon ore based on mothemotiaol closures and do not necessarily represent the positional accuracy of the boundary monumenlalion. 4. A description of even dole accompanies this plot. LOT 1 OF VANN- JOHNSON SUBDIVISION OF THE PLEASANT GRAY LEAGUE, A -24 IN WALKER COUNTY, TEXAS 25814 Budde Rood Sp ing, Texos 77360 ' Phone:281- 681 -9766 Fax:281- 681 -9779 Br..my Dr. KC Belo: 08/16/11 s.r.. 1 " =30' a,.FW By SC r.e., N/A Project N.. 11 -249 -027 0r.44 Nam. LOTI.DWG AII..i. 11, N/A EXHIBIT '3, 2 PAGE ' OF GF #: 2012121292A Closing Date: 2/28/2013 Seller: City of Huntsville Buyer: Yessenia Interiano Legal: Lot 1, Vann Johnson Subdivision CLOSER: Judy Thornton WALKER COUNTY TITLE COMPANY 1109 University Avenue Huntsville, Texas 77340 Gentlemen: This is to confirm that Judy Thornton is the closer on the above referenced transaction and that the undersigned were made aware of the fact that said Closer is not an attorney. Said closer did not discuss, nor explain, nor interpret any of the legal documentation for any of the closing. Closer merely presented documentation to the undersigned for all signatures and made no representations to the effect of said legal documentation or other documents used in connection with said closing. Closer made no representation concerning city or governmental zoning or use ordinances, statutes or regulations and made no statements or representation concerning the merchantability of the property or fitness for any contemplated use by the Buyer. Buyer acknowledges Closer did not make any comments, statements, explanations or representations concerning arbitration or any arbitration provisions of the title policy(ies). The Buyer and Seller acknowledge that any survey, Wood Destroying Insect Report (or like report) and /or Property Condition /Inspection Report have been ordered by persons other than Closer or any representative and /or employee of Walker County Title Company and that Closer has made no statements, interpretations and /or representation concerning the survey, Wood Destroying Insect Report (or similar report) and /or Property Condition /Inspection Report furnished for this transaction. SELLERS: .' ity of .' untsvi le PURCHASERS: ■'r nteriano TO BE FILLED IN PERSONALLY BY SELLER OR BORROWER IN HIS OWN HANDWRITING INDEMNITY AND AFFIDAVIT AS TO DEBTS, LIENS AND POSSESSION USE SEPARATE FORM FOR EACH PARTY File Number: 2012121292A SUBJECT PROPERTY: Lot 1, Vann Johnson Subdivision STATE OF Texas COUNTY OF Walker Before me, the undersigned authority on this day personally appeared City of Huntsville Seller or Owner- Borrower* or Contractor (if new construction) personally known to me to be the person whose name is subscribed hereto and upon his oath deposes and says that no proceedings in bankruptcy or receivership have been instituted by or against him and that the marital status of affiant has not changed since the day of acquisition of said property and represents to the purchaser and /or Lender in this transaction that there are: 1. No unpaid debts for plumbing fixtures, water heaters, floor furnaces, air conditioners, radio or television antennae, carpeting, rugs, lawn sprinkling systems, venetian blinds, window shades, draperies, electric appliances, fences, street paving, or any personal property or fixtures that are located on the subject property described above, and that no such items have been purchased on time payment contracts, and there are no security interests on such property secured by financing statement, security agreement or otherwise except the following: /secured Party Approximate Amount 2. No loans or liens (including Federal or State Liens and Judgment Liens) and no unpaid governmental or association taxes or assessments of any kind on such property except the following: Creditor Approximate Amount 3. All labor and material used in the construction of improvements on the above described property have been paid for and there are now no unpaid labor or material claims against the improvements or the property upon which same are situated, and I hereby declare that all sums of money due for the erection of improvements have been fully paid and satisfied. 4. No parties are in possession other than affiant, except as follows: *To be filled in if a sale* -- The Seller is not a non - resident alien, foreign corporation, foreign partnership, foreign trust, foreign estate or other foreign entity (as defined in the Internal Revenue Code and Income Tax Regulations). Seller's U.S. employer identification number (or social security number) is: . Seller's address (office address, if seller is an entity; home address if seller is an individual) is: . This affidavit may be disclosed to the Internal Revenue Service and is furnished to Buyer to inform Buyer that withholding of tax is not required under Section 1445 of the Internal Revenue Code. INDEMNITY: 1 AGREE TO PAY ON DEMAND TO THE PURCHASERS AND /OR LENDER IN THIS TRANSACTION, THEIR SUCCESSORS AND ASSIGNS, ALL AMOUNTS SECURED BY ANY AND ALL LIENS NOT SHOWN ABOVE, TOGETHER WITH ALL COSTS, LOSS AND ATTORNEY'S FEES THAT SAID PARTIES MAY INCUR IN CONNECTION WITH SUCH UNMENTIONED LIENS, PROVIDED SAID LIENS EITHER CURRENTLY APPLY TO SUCH PROPERTY, OR A PART THEREOF, OR ARE SUBSEQUENTLY ESTABLISHED AGAINST SAID PROPERTY AND ARE CREATED BY ME, KNOWN BY ME, OR HAVE AN INCEPTION DATE PRIOR TO THE CONSUMMATION OF THIS TRANSACTION. I realize that the purchaser and /or Lender in this transaction are relying on the representations contained herein in purchasing same or lending money thereon and would not purchase same or lend money thereon unless said representations were made. If Seller or Borrower is an entity, I have authority to sign on its behalf. 1t111 +thp��� Sworn to and subsci3�e�••or etc = day of z. • P -. • * 4XPIR •• • \tea "s//,,,, G 1412014 AOO , A.D., 2013. 1 Notary lic in a for the State of Texas *Note: This form is to be filled in and signed by seller in case of sale. If no sale, it is to be filled in and signed by the owner - borrower. If there is any new construction, the contractor must also join in this form or fill in and sign a separate one. *If seller is a non - resident alien, foreign corporation, etc., call your manager or Legal Department. NOTE TO BUYER: Buyer must retain until end of fifth taxable year following taxable year of transfer and must file with the Internal Revenue Service if required by regulation or otherwise. Revised 9 -92 WAIVER OF INSPECTION AND DISCLOSURE TO OWNER TO: Title Resources Guaranty Company ( "Title Insurer ") Walker County Title Company ( "The Company ") RE: City of Huntsville to Yessenia Interiano File Number: GF 2012121292A Land: Lot 1, Vann Johnson Subdivision 1. Waiver of Inspection You may refuse to accept an exception to the Owner's Policy for "Rights of Parties in Possession." "Rights of Parties in Possession" shall mean one or more persons or entities who are themselves actually physically occupying the property or a portion thereof under a claim or right adverse to the insured owner of the property as shown in Schedule A of the Policy. The Company may require an inspection of the property and an additional charge may be assessed for reasonable and actual costs of such an inspection. The Company may make additional Exceptions for matters the inspection reveals. If you do not delete this paragraph, you consent to this Exception and waive inspection of the land. YOU MAY REFUSE TO ACCEPT THIS EXCEPTION BY MARKING OUT THIS PARAGRAPH 1. 2. Receipt of Commitment You acknowledge having received and reviewed a copy of the Title Commitment issued in connection with this transaction. You understand that your Owner Policy will contain the Exceptions set forth in Schedule B of the Commitment, and any additional Exceptions to title resulting from the documents involved in this transaction, and any additional Exceptions reflected by an exhibit attached hereto. 3. Survey You may request amendment of the "Area and Boundary Exception" to read "Shortages in Area." The Area and Boundary Exceptions is as follows: "Any discrepancies, conflicts, or shortages in area or boundary lines, or any encroachments, or protrusions, or any overlapping of improvements." You must furnish a current survey. The survey must be acceptable to the Company. You also must pay an additional premium equal to 15% of the basic premium charge. The Company may make additional exceptions for items shown on the survey. YOU MAY REQUIRE AMENDMENT OF THE AREA AND BOUNDARY EXCEPTION BY MARKING OUT THIS PARAGRAPH 3. AND BY COMPLYING WITH ITS PROVISIONS BEFORE COMPLETION OF THIS CLOSING. 4. Arbitration This paragraph does not apply to the Residential Owner Policy (T -1R). The parties must later agree to arbitrate under the Residential Owner Policy (T -1R). You may require deletion of the arbitration provision of the Owner Policy. If you do not delete this provision, either you or the Company may require arbitration, if the law allows. There is no charge to delete this provision. IF YOUR POLICY IS NOT A TEXAS RESIDENTIAL OWNER POLICY (T -1 R), YOU MAY REQUIRE DELETION OF THE ARBITRATION PROVISION BY MARKING OUT THIS PARAGRAPH 4. 5. Notice You may wish to consult an attorney to discuss matters shown in Schedule B or C of the Commitment. These matters will affect your title and use of your land. Your Title Insurance Policy will be a legal contract between you and the Titled Insurer. The Commitment and Policy are not abstracts of title, title reports or representations of title. They are contracts of indemnity. We do not represent that your intended use of the property is allowed under the law or under the restrictions or exceptions affecting your property. Date: February 28, 2013 Signature: v Ten . nt= iano DOCUMENT CORRECTION AGREEMENT LENDER: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, a public and official agency of the State of Texas BORROWER: YESSENIA INTERIANO PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 DATE: FEBRUARY 28, 2013 AGREEMENT TO CORRECT MISSTATED INFORMATION OR PROVIDE ADDITIONAL DOCUMENTATION OR FEES: In consideration of Lender disbursing funds for the closing of the Loan secured by the Property being encumbered, and regardless of the reason for any loss, misplacement, or inaccuracy in any Loan documentation, Borrower(s) agrees as follows: If any document is lost, misplaced, misstated or inaccurately reflects the true and correct terms and conditions of the Loan, upon request of the Lender, Borrower(s) will comply with Lender's request to execute, acknowledge, initial and deliver to Lender any documentation Lender deems necessary to replace or correct the lost, misplaced, misstated or inaccurate document(s). If the original parity lien real estate note is replaced, the Lender hereby indemnifies the Borrower(s) against any loss associated with a demand on the original note. All documents Lender requests of Borrower(s) shall be referred to as "Replacement Documents." Borrower(s) agrees to deliver the Replacement Documents within ten (10) days after receipt by Borrower(s) of a written request for such replacements. Borrower(s) also agrees that upon request Borrower(s) will supply additional amounts and/or pay to Lender any additional sum previously disclosed to Borrower(s) as a cost or fee associated with the Loan, which for whatever reason was not collected at closing. REQUEST BY LENDER: Any request under this Agreement may be made by the Lender, (including assignees and persons acting on behalf of the Lender) or Settlement Agent, and shall be prima facie evidence of the necessity for same. A written statement addressed to Borrower(s) at the address indicated in the Loan documentation shall be considered conclusive evidence of the necessity for Replacement Documents. BORROWER LIABILITY: If Borrower(s) fails or refuses to execute, acknowledge, initial and deliver the Replacement Documents or provide the Additional Documents or fees to Lender more than ten (10) days after being requested to do so by Lender, and understanding that Lender is relying on these representations, Borrower(s) agree(s) to be liable for any and all loss or damage which Lender reasonably sustains thereby, including but not limited to all reasonable attorney's fees and costs incurred by Lender. FAILURE TO DELIVER REPLACEMENT DOCUMENTS CAN CONSTITUTE DEFAULT: Borrower's failure or refusal to comply with the terms of the correction request may constitute a default under the note and/or deed of trust, and may give Lender the option of declaring all sums secured by the loan documents immediately due and payable. This Agreement shall survive the closing of the Loan, and inure to the benefit of Lender's successors and assigns and be binding upon the heirs, devisees, personal representatives, successors and assigns of Borrower(s). BORROWER: TDHCANSPERROR Page 1 of 1 FEBRUARY 28, 2013 NOTICE OF INVALIDITY OF ORAL AGREEMENTS TO: Borrower and all other Debtors, Contractors and Obligors with respect to the Loan which is identified below. 1. THE WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 2. As used in this Notice: "Borrower" means the Borrower identified below. "Debtor" and "Obligor" means any entity or individual who (i) is obligated to pay the Note or (ii) otherwise is or becomes obligated to pay the Loan (for example, as cosigner or guarantor) or (iii) has pledged any property as security for the Loan. "Lender" means Texas Department of Housing and Community Affairs, a public and official agency of the State of Texas. "Loan" means the loan by Lender which is to be evidenced by NSP Purchase Money Promissory Note, dated of even date herewith, executed by Borrower, payable to the order of Lender in the original principal face amount of $61,542.94 ( "Note "). "Loan Agreement" means one or more promises, promissory notes, undertakings, security agreements, deeds of trust or other documents, or commitments, or any combination of those actions or documents, relating to the Loan. 3. This Notice is given by Lender with respect to the Loan, pursuant to Section 26.02 of the Texas Business and Commerce Code. Each Borrower, Debtor, Contractor and Obligor who signs below acknowledges, represents, and warrants to Lender that Lender has given and such party has received and retained a copy of this Notice on the date stated above. BORROWER: LENDER: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, a public and official agency of the State of Texas By: Name: Its: Duly authorized representative TDHCANSPNOTICEPMF Page I of 1 SERVICING DISCLOSURE STATEMENT Loan Number: 77099991266B Date: FEBRUARY 28, 2013 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601 et seq.). RESPA gives you certain rights under FEDERAL law. This statement describes whether the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sending any monthly or annual statements, tracking account balances, and handling other aspects of your loan. You will be given advance notice before a transfer occurs. Servicing Transfer Information We may assign, sell, or transfer the servicing of your loan while the loan is outstanding. OR We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer the servicing of your mortgage loan before the first payment is due. OR The loan for which you have applied will be serviced at this financial institution and we do not intend to sell, transfer, or assign the servicing of the loan. Flood Insurance Coverage Subject to Change Disclosure: "We may assign, sell, or transfer the servicing of your mortgage loan. Your new lender /servicer may require more flood insurance coverage than the minimum amount that has been identified in your Notice of Special Flood Hazards (NSFH). The new lender /servicer may require coverage in an amount greater than the minimum, and has the right to require flood coverage at least equal to 100% of the insurable value (also known as replacement cost value) of the building(s) used as collateral to secure the loan or the maximum available under the National Flood Insurance Program (NFIP) for the particular type of building. You should review your exposure to flood damage with your insurance provider, as you may wish to increase your coverage above the minimum amount required at the time of closing your loan versus what subsequently the new lender /servicer may require." ACKNOWLEDGMENT OF MORTGAGE APPLICANT I /We have read this disclosure form, and understand its contents, as evidenced by my /our signature(s) below YE;j%.E NTERIANO USRESPADISC Page 1 of 1 Rev. 01 /16/09 Loan Number 77099991266B NAME AFFIDAVIT STATE OF TEXAS COUNTY OF WALKER BEFORE ME, the undersigned authority, a Notary Public in and for said County and State, on this day personally appeared YESSENIA INTERIANO (Affiant), a credible person to me well and truly known, who, having been by me first duly and lawfully sworn upon oath deposes and states: The Affiant is one and the same as ZOILA Y. VILLATORO; ZOILA YESSENIA; ZOILA YESSENIA INTERIANO VILLATORO; ZOILA YESSENIA INTERIANOVILLATORO who is obtaining a loan secured by the property located at 500 2ND STREET HUNTSVILLE, TX 77320 AFTER carefully reading the foregoing affidavit, the Affiant does hereby solemnly swear that the facts set forth herein are true and correct, to witness which Affiant hereunto sets hand and seal this 28TH day of FEBRUARY, 2013. A INTERIANO SWORN AND UBSCRIBED by the above Affiant before me, the undersigned Notary Public on this c',,fl'G day of i/3 A.D.. N 1111111/ My Comm \kl r, ° ://*/*;:4A''/:::°12RFOIE1s:1:**:::P� Nota 'ublic, WALKER County, TEXAS USNAMEAFFB1 Page 1 of 1 (Notary's Name: Typed or Printed) Date: FEBRUARY 28, 2013 Initial Escrow Account Disclosure Loan Number: 77099991266B Case Number: Lender's Name and Address: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Property Address: 500 2ND STREET HUNTSVILLE, TX 77320 Borrower(s): YESSENIA INTERIANO Mailing Address: 500 2ND STREET HUNTSVILLE, TX 77320 This is an estimate of activity in your escrow account during the coming year based on payments anticipated to be made from your account. Month (or Period) Payments to Escrow Account Payments from Escrow Account Description Escrow Account Balance Initial Deposit: April $236.47 $472.94 $709.41 May $236.47 $945.88 June $236.47 $1,182.35 July $236.47 $1,418.82 August $236.47 $1,655.29 September $236.47 $1,891.76 October $236.47 $2,128.23 November $236.47 $2,364.70 December $236.47 $2,601.17 January $236.47 $2,837.64 February $236.47 $3,074.11 March $236.47 $621.96 Hazard Ins $2,688.62 $2,215.68 County Tax $472.94 PLEASE KEEP THIS STATEMENT FOR COMPARISON WITH THE ACTUAL ACTIVITY IN YOUR ACCOUNT AT THE END OF THE ESCROW ACCOUNTING COMPUTATION YEAR. Cushion selected by servicer: $472.94 Your mortgage payment for the coming year will be $407.42 of which $170.95 will be for principal and interest and $236.47 will go into your escrow account. USESCDIS Page 1 of I • FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991266B AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: YESSENIA INTERIANO ADDRESS: 500 2ND STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0.0352% 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. $61,217.94 Total of Payments The amount you will have paid after you have made all payments as scheduled. $61,542.94 INTEREST RATE AND PAYMENT SUMMARY Rate & Monthly Payment Interest Rate 0% 0 Principal + Interest Payment $170.95 Est. Taxes + Insurance (Escrow) $236.47 Total Est. Monthly Payment $407.42 Final Balloon Payment due : DEMAND FEATURE: This loan does not have a Demand Feature. r This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: 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: 500 2ND STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $172.00 (e) ASSUMPTION: Somebody buying this property DK 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 l is 17 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 ( may 17 will not have to pay a penalty may ig 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. f3 Borrower /Date Borrower /Date Borrower /Date Borrower /Date Borrower/Date USTILFIX Page I of I Borrower /Date 2/27/2013 4:08 PM FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991266B AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: YESSENIA INTERIANO ADDRESS: 500 2ND STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0.0352% 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. $61,217.94 Total of Payments The amount you will have paid after you have made all payments as scheduled. $61,542.94 INTEREST RATE AND PAYMENT SUMMARY Rate & Monthly Payment Interest Rate 0% Principal + Interest Payment $170.95 Est. Taxes + Insurance (Escrow) $236.47 Total Est. Monthly Payment $407.42 Final Balloon Payment due : DEMAND FEATURE: LJ 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: 500 2ND STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $172.00 (e) ASSUMPTION: Somebody buying this property t cannot assume the remaining balance due under original mortgage terms rl 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 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 T. may Ig will not have to pay a penalty r may (g 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. Borrower /Date Borrower /Date Borrower /Date Borrower /Date Borrower /Date USTILFIX Page 1 of 1 Borrower /Date ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991266B Loan Amount: $61,542.94 Borrower(s): YESSENIA INTERIANO Property Address: 500 2ND STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 500 2ND STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: $61,217.94 Fee Description AMOUNT PAID ON YOUR ACCOUNT /PAID TO OTHERS ON YOUR BEHALF: Hazard Insurance Premium Hazard Insurance Reserves County Tax Reserves Lenders Title Insurance Fee Owners Title Insurance Fee Recording Fee NSF CHECK CHARGE TO WALKER COUNTY TITLE ITEMIZATION OF PREPAID FINANCE CHARGE: Title Closing /Escrow Fee Title Co Misc Fee Amount $ 622.00 $ 103.66 $ 369.28 $ 321.00 $ 799.00 $ 172.00 $ 30.00 $ 300.00 $ 25.00 Total Prepaid Finance Charges $325.00 YE' 1 N INTERIANO Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991266B Loan Amount: $61,542.94 Borrower(s): YESSENIA INTERIANO Property Address: 500 2ND STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 500 2ND STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: $61,217.94 Fee Description AMOUNT PAID ON YOUR ACCOUNT/PAID TO OTHERS ON YOUR BEHALF: Hazard Insurance Premium Hazard Insurance Reserves County Tax Reserves Lenders Title Insurance Fee Owners Title Insurance Fee Recording Fee NSF CHECK CHARGE TO WALKER COUNTY TITLE ITEMIZATION OF PREPAID FINANCE CHARGE: Title Closing /Escrow Fee Title Co Misc Fee Amount $ 622.00 $ 103.66 $ 369.28 $ 321.00 $ 799.00 $ 172.00 $ 30.00 $ 300.00 $ 25.00 Total Prepaid Finance Charges $325.00 :?-,A2/3 YESSENIA INTERIANO Date Date Date Date Date USITEMAMTHERA Page 1 of 1 Date AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 04/01/2013 $170.95 $170.95 $61,371.99 05/01/2013 $170.95 $170.95 $61,201.04 06/01/2013 $170.95 $170.95 $61,030.09 07/01/2013 $170.95 $170.95 $60,859.14 08/01/2013 $170.95 $170.95 $60,688.19 09/01/2013 $170.95 $170.95 $60,517.24 10/01/2013 $170.95 $170.95 $60,346.29 11/01/2013 $170.95 $170.95 $60,175.34 12/01/2013 $170.95 $170.95 $60,004.39 01/01/2014 $170.95 $170.95 $59,833.44 02/01/2014 $170.95 $170.95 $59,662.49 03/01/2014 $170.95 $170.95 $59,491.54 04/01/2014 $170.95 $170.95 $59,320.59 05/01/2014 $170.95 $170.95 $59,149.64 06/01/2014 $170.95 $170.95 $58,978.69 07/01/2014 $170.95 $170.95 $58,807.74 08/01/2014 $170.95 $170.95 $58,636.79 09/01/2014 $170.95 $170.95 $58,465.84 10/01/2014 $170.95 $170.95 $58,294.89 11/01/2014 $170.95 $170.95 $58,123.94 12/01/2014 $170.95 $170.95 $57,952.99 01/01/2015 $170.95 $170.95 $57,782.04 02/01/2015 $170.95 $170.95 $57,611.09 03/01/2015 $170.95 $170.95 $57,440.14 04/01/2015 $170.95 $170.95 $57,269.19 05/01/2015 $170.95 $170.95 $57,098.24 06/01/2015 $170.95 $170.95 $56,927.29 07/01/2015 $170.95 $170.95 $56,756.34 08/01/2015 $170.95 $170.95 $56,585.39 09/01/2015 $170.95 $170.95 $56,414.44 10/01/2015 $170.95 $170.95 $56,243.49 11/01/2015 $170.95 $170.95 $56,072.54 12/01/2015 $170.95 $170.95 $55,901.59 01/01/2016 $170.95 $170.95 $55,730.64 02/01/2016 $170.95 $170.95 $55,559.69 03/01/2016 $170.95 $170.95 $55,388.74 04/01/2016 $170.95 $170.95 $55,217.79 05/01/2016 $170.95 $170.95 $55,046.84 06/01/2016 $170.95 $170.95 $54,875.89 07/01/2016 $170.95 $170.95 $54,704.94 08/01/2016 $170.95 $170.95 $54,533.99 09/01/2016 $170.95 $170.95 $54,363.04 10/01/2016 $170.95 $170.95 $54,192.09 11/01/2016 $170.95 $170.95 $54,021.14 12/01/2016 $170.95 $170.95 $53,850.19 01/01/2017 $170.95 $170.95 $53,679.24 02/01/2017 $170.95 $170.95 $53,508.29 03/01/2017 $170.95 $170.95 $53,337.34 04/01/2017 $170.95 $170.95 $53,166.39 05/01/2017 $170.95 $170.95 $52,995.44 06/01/2017 $170.95 $170.95 $52,824.49 07/01/2017 $170.95 $170.95 $52,653.54 08/01/2017 $170.95 $170.95 $52,482.59 09/01/2017 $170.95 $170.95 $52,311.64 10/01/2017 $170.95 $170.95 $52,140.69 11/01/2017 $170.95 $170.95 $51,969.74 12/01/2017 $170.95 $170.95 $51,798.79 01/01/2018 $170.95 $170.95 $51,627.84 02/01/2018 $170.95 $170.95 $51,456.89 03/01/2018 $170.95 $170.95 $51,285.94 04/01/2018 $170.95 $170.95 $51,114.99 05/01/2018 $170.95 $170.95 $50,944.04 06/01/2018 $170.95 $170.95 $50,773.09 07/01/2018 $170.95 $170.95 $50,602.14 08/01/2018 $170.95 $170.95 $50,431.19 09/01/2018 $170.95 $170.95 $50,260.24 10/01/2018 $170.95 $170.95 $50,089.29 11/01/2018 $170.95 $170.95 $49,918.34 12/01/2018 $170.95 $170.95 $49,747.39 01/01/2019 $170.95 $170.95 $49,576.44 BMGAMORT Page 1 of 6 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 02/01/2019 $170.95 $170.95 $49,405.49 03/01/2019 $170.95 $170.95 $49,234.54 04/01/2019 $170.95 $170.95 $49,063.59 05/01/2019 $170.95 $170.95 $48,892.64 06/01/2019 $170.95 $170.95 $48,721.69 07/01/2019 $170.95 $170.95 $48,550.74 08/01/2019 $170.95 $170.95 $48,379.79 09/01/2019 $170.95 $170.95 $48,208.84 10/01/2019 $170.95 $170.95 $48,037.89 11/01/2019 $170.95 $170.95 $47,866.94 12/01/2019 $170.95 $170.95 $47,695.99 01/01/2020 $170.95 $170.95 $47,525.04 02/01/2020 $170.95 $170.95 $47,354.09 03/01/2020 $170.95 $170.95 $47,183.14 04/01/2020 $170.95 $170.95 $47,012.19 05/01/2020 $170.95 $170.95 $46,841.24 06/01/2020 $170.95 $170.95 $46,670.29 07/01/2020 $170.95 $170.95 $46,499.34 08/01/2020 $170.95 $170.95 $46,328.39 09/01/2020 $170.95 $170.95 $46,157.44 10/01/2020 $170.95 $170.95 $45,986.49 11/01/2020 $170.95 $170.95 $45,815.54 12/01/2020 $170.95 $170.95 $45,644.59 01/01/2021 $170.95 $170.95 $45,473.64 02/01/2021 $170.95 $170.95 $45,302.69 03/01/2021 $170.95 $170.95 $45,131.74 04/01/2021 $170.95 $170.95 $44,960.79 05/01/2021 $170.95 $170.95 $44,789.84 06/01/2021 $170.95 $170.95 $44,618.89 07/01/2021 $170.95 $170.95 $44,447.94 08/01/2021 $170.95 $170.95 $44,276.99 09/01/2021 $170.95 $170.95 $44,106.04 10/01/2021 $170.95 $170.95 $43,935.09 11/01/2021 $170.95 $170.95 $43,764.14 12/01/2021 $170.95 $170.95 $43,593.19 01/01/2022 $170.95 $170.95 $43,422.24 02/01/2022 $170.95 $170.95 $43,251.29 03/01/2022 $170.95 $170.95 $43,080.34 04/01/2022 $170.95 $170.95 $42,909.39 05/01/2022 $170.95 $170.95 $42,738.44 06/01/2022 $170.95 $170.95 $42,567.49 07/01/2022 $170.95 $170.95 $42,396.54 08/01/2022 $170.95 $170.95 $42,225.59 09/01/2022 $170.95 $170.95 $42,054.64 10/01/2022 $170.95 $170.95 $41,883.69 11/01/2022 $170.95 $170.95 $41,712.74 12/01/2022 $170.95 $170.95 $41,541.79 01/01/2023 $170.95 $170.95 $41,370.84 02/01/2023 $170.95 $170.95 $41,199.89 03/01/2023 $170.95 $170.95 $41,028.94 04/01/2023 $170.95 $170.95 $40,857.99 05/01/2023 $170.95 $170.95 $40,687.04 06/01/2023 $170.95 $170.95 $40,516.09 07/01/2023 $170.95 $170.95 $40,345.14 08/01/2023 $170.95 $170.95 $40,174.19 09/01/2023 $170.95 $170.95 $40,003.24 10/01/2023 $170.95 $170.95 $39,832.29 11/01/2023 $170.95 $170.95 $39,661.34 12/01/2023 $170.95 $170.95 $39,490.39 01/01/2024 $170.95 $170.95 $39,319.44 02/01/2024 $170.95 $170.95 $39,148.49 03/01/2024 $170.95 $170.95 $38,977.54 04/01/2024 $170.95 $170.95 $38,806.59 05/01/2024 $170.95 $170.95 $38,635.64 06/01/2024 $170.95 $170.95 $38,464.69 07/01/2024 $170.95 $170.95 $38,293.74 08/01/2024 $170.95 $170.95 $38,122.79 09/01/2024 $170.95 $170.95 $37,951.84 10/01/2024 $170.95 $170.95 $37,780.89 11/01/2024 $170.95 $170.95 $37,609.94 BMGAMORT Page 2 of 6 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 12/01/2024 $170.95 $170.95 $37,438.99 01/01/2025 $170.95 $170.95 $37,268.04 02/01/2025 $170.95 $170.95 $37,097.09 03/01/2025 $170.95 $170.95 $36,926.14 04/01/2025 $170.95 $170.95 $36,755.19 05/01/2025 $170.95 $170.95 $36,584.24 06/01/2025 $170.95 $170.95 $36,413.29 07/01/2025 $170.95 $170.95 $36,242.34 08/01/2025 $170.95 $170.95 $36,071.39 09/01/2025 $170.95 $170.95 $35,900.44 10/01/2025 $170.95 $170.95 $35,729.49 11/01/2025 $170.95 $170.95 $35,558.54 12/01/2025 $170.95 $170.95 $35,387.59 01/01/2026 $170.95 $170.95 $35,216.64 02/01/2026 $170.95 $170.95 $35,045.69 03/01/2026 $170.95 $170.95 $34,874.74 04/01/2026 $170.95 $170.95 $34,703.79 05/01/2026 $170.95 $170.95 $34,532.84 06/01/2026 $170.95 $170.95 $34,361.89 07/01/2026 $170.95 $170.95 $34,190.94 08/01/2026 $170.95 $170.95 $34,019.99 09/01/2026 $170.95 $170.95 $33,849.04 10/01/2026 $170.95 $170.95 $33,678.09 11/01/2026 $170.95 $170.95 $33,507.14 12/01/2026 $170.95 $170.95 $33,336.19 01/01/2027 $170.95 $170.95 $33,165.24 02/01/2027 $170.95 $170.95 $32,994.29 03/01/2027 $170.95 $170.95 $32,823.34 04/01/2027 $170.95 $170.95 $32,652.39 05/01/2027 $170.95 $170.95 $32,481.44 06/01/2027 $170.95 $170.95 $32,310.49 07/01/2027 $170.95 $170.95 $32,139.54 08/01/2027 $170.95 $170.95 $31,968.59 09/01/2027 $170.95 $170.95 $31,797.64 10/01/2027 $170.95 $170.95 $31,626.69 11/01/2027 $170.95 $170.95 $31,455.74 12/01/2027 $170.95 $170.95 $31,284.79 01/01/2028 $170.95 $170.95 $31,113.84 02/01/2028 $170.95 $170.95 $30,942.89 03/01/2028 $170.95 $170.95 $30,771.94 04/01/2028 $170.95 $170.95 $30,600.99 05/01/2028 $170.95 $170.95 $30,430.04 06/01/2028 $170.95 $170.95 $30,259.09 07/01/2028 $170.95 $170.95 $30,088.14 08/01/2028 $170.95 $170.95 $29,917.19 09/01/2028 $170.95 $170.95 $29,746.24 10/01/2028 $170.95 $170.95 $29,575.29 11/01/2028 $170.95 $170.95 $29,404.34 12/01/2028 $170.95 $170.95 $29,233.39 01/01/2029 $170.95 $170.95 $29,062.44 02/01/2029 $170.95 $170.95 $28,891.49 03/01/2029 $170.95 $170.95 $28,720.54 04/01/2029 $170.95 $170.95 $28,549.59 05/01/2029 $170.95 $170.95 $28,378.64 06/01/2029 $170.95 $170.95 $28,207.69 07/01/2029 $170.95 $170.95 $28,036.74 08/01/2029 $170.95 $170.95 $27,865.79 09/01/2029 $170.95 $170.95 $27,694.84 10/01/2029 $170.95 $170.95 $27,523.89 11/01/2029 $170.95 $170.95 $27,352.94 12/01/2029 $170.95 $170.95 $27,181.99 01/01/2030 $170.95 $170.95 $27,011.04 02/01/2030 $170.95 $170.95 $26,840.09 03/01/2030 $170.95 $170.95 $26,669.14 04/01/2030 $170.95 $170.95 $26,498.19 05/01/2030 $170.95 $170.95 $26,327.24 06/01/2030 $170.95 $170.95 $26,156.29 07/01/2030 $170.95 $170.95 $25,985.34 08/01/2030 $170.95 $170.95 $25,814.39 09/01/2030 $170.95 $170.95 $25,643.44 BMGAMORT Page 3 of 6 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 10/01/2030 $170.95 $170.95 $25,472.49 11/01/2030 $170.95 $170.95 $25,301.54 12/01/2030 $170.95 $170.95 $25,130.59 01/01/2031 $170.95 $170.95 $24,959.64 02/01/2031 $170.95 $170.95 $24,788.69 03/01/2031 $170.95 $170.95 $24,617.74 04/01/2031 $170.95 $170.95 $24,446.79 05/01/2031 $170.95 $170.95 $24,275.84 06/01/2031 $170.95 $170.95 $24,104.89 07/01/2031 $170.95 $170.95 $23,933.94 08/01/2031 $170.95 $170.95 $23,762.99 09/01/2031 $170.95 $170.95 $23,592.04 10/01/2031 $170.95 $170.95 $23,421.09 11/01/2031 $170.95 $170.95 $23,250.14 12/01/2031 $170.95 $170.95 $23,079.19 01/01/2032 $170.95 $170.95 $22,908.24 02/01/2032 $170.95 $170.95 $22,737.29 03/01/2032 $170.95 $170.95 $22,566.34 04/01/2032 $170.95 $170.95 $22,395.39 05/01/2032 $170.95 $170.95 $22,224.44 06/01/2032 $170.95 $170.95 $22,053.49 07/01/2032 $170.95 $170.95 $21,882.54 08/01/2032 $170.95 $170.95 $21,711.59 09/01/2032 $170.95 $170.95 $21,540.64 10/01/2032 $170.95 $170.95 $21,369.69 11/01/2032 $170.95 $170.95 $21,198.74 12/01/2032 $170.95 $170.95 $21,027.79 01/01/2033 $170.95 $170.95 $20,856.84 02/01/2033 $170.95 $170.95 $20,685.89 03/01/2033 $170.95 $170.95 $20,514.94 04/01/2033 $170.95 $170.95 $20,343.99 05/01/2033 $170.95 $170.95 $20,173.04 06/01/2033 $170.95 $170.95 $20,002.09 07/01/2033 $170.95 $170.95 $19,831.14 08/01/2033 $170.95 $170.95 $19,660.19 09/01/2033 $170.95 $170.95 $19,489.24 10/01/2033 $170.95 $170.95 $19,318.29 11/01/2033 $170.95 $170.95 $19,147.34 12/01/2033 $170.95 $170.95 $18,976.39 01/01/2034 $170.95 $170.95 $18,805.44 02/01/2034 $170.95 $170.95 $18,634.49 03/01/2034 $170.95 $170.95 $18,463.54 04/01/2034 $170.95 $170.95 $18,292.59 05/01/2034 $170.95 $170.95 $18,121.64 06/01/2034 $170.95 $170.95 $17,950.69 07/01/2034 $170.95 $170.95 $17,779.74 08/01/2034 $170.95 $170.95 $17,608.79 09/01/2034 $170.95 $170.95 $17,437.84 10/01/2034 $170.95 $170.95 $17,266.89 11/01/2034 $170.95 $170.95 $17,095.94 12/01/2034 $170.95 $170.95 $16,924.99 01/01/2035 $170.95 $170.95 $16,754.04 02/01/2035 $170.95 $170.95 $16,583.09 03/01/2035 $170.95 $170.95 $16,412.14 04/01/2035 $170.95 $170.95 $16,241.19 05/01/2035 $170.95 $170.95 $16,070.24 06/01/2035 $170.95 $170.95 $15,899.29 07/01/2035 $170.95 $170.95 $15,728.34 08/01/2035 $170.95 $170.95 $15,557.39 09/01/2035 $170.95 $170.95 $15,386.44 10/01/2035 $170.95 $170.95 $15,215.49 11/01/2035 $170.95 $170.95 $15,044.54 12/01/2035 $170.95 $170.95 $14,873.59 01/01/2036 $170.95 $170.95 $14,702.64 02/01/2036 $170.95 $170.95 $14,531.69 03/01/2036 $170.95 $170.95 $14,360.74 04/01/2036 $170.95 $170.95 $14,189.79 05/01/2036 $170.95 $170.95 $14,018.84 06/01/2036 $170.95 $170.95 $13,847.89 07/01/2036 $170.95 $170.95 $13,676.94 BMGAMORT Page 4 of 6 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 08/01/2036 $170.95 $170.95 $13,505.99 09/01/2036 $170.95 $170.95 $13,335.04 10/01/2036 $170.95 $170.95 $13,164.09 11/01/2036 $170.95 $170.95 $12,993.14 12/01/2036 $170.95 $170.95 $12,822.19 01/01/2037 $170.95 $170.95 $12,651.24 02/01/2037 $170.95 $170.95 $12,480.29 03/01/2037 $170.95 $170.95 $12,309.34 04/01/2037 $170.95 $170.95 $12,138.39 05/01/2037 $170.95 $170.95 $11,967.44 06/01/2037 $170.95 $170.95 $11,796.49 07/01/2037 $170.95 $170.95 $11,625.54 08/01/2037 $170.95 $170.95 $11,454.59 09/01/2037 $170.95 $170.95 $11,283.64 10/01/2037 $170.95 $170.95 $11,112.69 11/01/2037 $170.95 $170.95 $10,941.74 12/01/2037 $170.95 $170.95 $10,770.79 01/01/2038 $170.95 $170.95 $10,599.84 02/01/2038 $170.95 $170.95 $10,428.89 03/01/2038 $170.95 $170.95 $10,257.94 04/01/2038 $170.95 $170.95 $10,086.99 05/01/2038 $170.95 $170.95 $9,916.04 06/01/2038 $170.95 $170.95 $9,745.09 07/01/2038 $170.95 $170.95 $9,574.14 08/01/2038 $170.95 $170.95 $9,403.19 09/01/2038 $170.95 $170.95 $9,232.24 10/01/2038 $170.95 $170.95 $9,061.29 11/01/2038 $170.95 $170.95 $8,890.34 12/01/2038 $170.95 $170.95 $8,719.39 01/01/2039 $170.95 $170.95 $8,548.44 02/01/2039 $170.95 $170.95 $8,377.49 03/01/2039 $170.95 $170.95 $8,206.54 04/01/2039 $170.95 $170.95 $8,035.59 05/01/2039 $170.95 $170.95 $7,864.64 06/01/2039 $170.95 $170.95 $7,693.69 07/01/2039 $170.95 $170.95 $7,522.74 08/01/2039 $170.95 $170.95 $7,351.79 09/01/2039 $170.95 $170.95 $7,180.84 10/01/2039 $170.95 $170.95 $7,009.89 11/01/2039 $170.95 $170.95 $6,838.94 12/01/2039 $170.95 $170.95 $6,667.99 01/01/2040 $170.95 $170.95 $6,497.04 02/01/2040 $170.95 $170.95 $6,326.09 03/01/2040 $170.95 $170.95 $6,155.14 04/01/2040 $170.95 $170.95 $5,984.19 05/01/2040 $170.95 $170.95 $5,813.24 06/01/2040 $170.95 $170.95 $5,642.29 07/01/2040 $170.95 $170.95 $5,471.34 08/01/2040 $170.95 $170.95 $5,300.39 09/01/2040 $170.95 $170.95 $5,129.44 10/01/2040 $170.95 $170.95 $4,958.49 11/01/2040 $170.95 $170.95 $4,787.54 12/01/2040 $170.95 $170.95 $4,616.59 01/01/2041 $170.95 $170.95 $4,445.64 02/01/2041 $170.95 $170.95 $4,274.69 03/01/2041 $170.95 $170.95 $4,103.74 04/01/2041 $170.95 $170.95 $3,932.79 05/01/2041 $170.95 $170.95 $3,761.84 06/01/2041 $170.95 $170.95 $3,590.89 07/01/2041 $170.95 $170.95 $3,419.94 08/01/2041 $170.95 $170.95 $3,248.99 09/01/2041 $170.95 $170.95 $3,078.04 10/01/2041 $170.95 $170.95 $2,907.09 11/01/2041 $170.95 $170.95 $2,736.14 12/01/2041 $170.95 $170.95 $2,565.19 01/01/2042 $170.95 $170.95 $2,394.24 02/01/2042 $170.95 $170.95 $2,223.29 03/01/2042 $170.95 $170.95 $2,052.34 04/01/2042 $170.95 $170.95 $1,881.39 05/01/2042 $170.95 $170.95 $1,710.44 BMGAMORT Page 5 of 6 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266B Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 06/01/2042 $170.95 $170.95 $1,539.49 07/01/2042 $170.95 $170.95 $1,368.54 08/01/2042 $170.95 $170.95 $1,197.59 09/01/2042 $170.95 $170.95 $1,026.64 10/01/2042 $170.95 $170.95 $855.69 11/01/2042 $170.95 $170.95 $684.74 12/01/2042 $170.95 $170.95 $513.79 01/01/2043 $170.95 $170.95 $342.84 02/01/2043 $170.95 $170.95 $171.89 03/01/2043 $171.89 $170.95 $0.00 END OF AMORTIZATION SCHEDULE BMGAMORT Page 6 of 6 DOCUMENT CORRECTION AGREEMENT LENDER: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, a public and official agency of the State of Texas BORROWER: YESSENIA INTERIANO PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 DATE: FEBRUARY 28, 2013 AGREEMENT TO CORRECT MISSTATED INFORMATION OR PROVIDE ADDITIONAL DOCUMENTATION OR FEES: In consideration of Lender disbursing funds for the closing of the Loan secured by the Property being encumbered, and regardless of the reason for any loss, misplacement, or inaccuracy in any Loan documentation, Borrower(s) agrees as follows: If any document is lost, misplaced, misstated or inaccurately reflects the true and correct terms and conditions of the Loan, upon request of the Lender, Borrower(s) will comply with Lender's request to execute, acknowledge, initial and deliver to Lender any documentation Lender deems necessary to replace or correct the lost, misplaced, misstated or inaccurate document(s). If the original parity lien real estate note is replaced, the Lender hereby indemnifies the Borrower(s) against any loss associated with a demand on the original note. All documents Lender requests of Borrower(s) shall be referred to as "Replacement Documents." Borrower(s) agrees to deliver the Replacement Documents within ten (10) days after receipt by Borrower(s) of a written request for such replacements. Borrower(s) also agrees that upon request Borrower(s) will supply additional amounts and/or pay to Lender any additional sum previously disclosed to Borrower(s) as a cost or fee associated with the Loan, which for whatever reason was not collected at closing. REQUEST BY LENDER: Any request under this Agreement may be made by the Lender, (including assignees and persons acting on behalf of the Lender) or Settlement Agent, and shall be prima facie evidence of the necessity for same. A written statement addressed to Borrower(s) at the address indicated in the Loan documentation shall be considered conclusive evidence of the necessity for Replacement Documents. BORROWER LIABILITY: If Borrower(s) fails or refuses to execute, acknowledge, initial and deliver the Replacement Documents or provide the Additional Documents or fees to Lender more than ten (10) days after being requested to do so by Lender, and understanding that Lender is relying on these representations, Borrower(s) agree(s) to be liable for any and all loss or damage which Lender reasonably sustains thereby, including but not limited to all reasonable attorney's fees and costs incurred by Lender. FAILURE TO DELIVER REPLACEMENT DOCUMENTS CAN CONSTITUTE DEFAULT: Borrower's failure or refusal to comply with the terms of the correction request may constitute a default under the note and/or deed of trust, and may give Lender the option of declaring all sums secured by the loan documents immediately due and payable. This Agreement shall survive the closing of the Loan, and inure to the benefit of Lender's successors and assigns and be binding upon the heirs, devisees, personal representatives, successors and assigns of Borrower(s). BORROWER: TDHCANSPERROR Page I of 1 FEBRUARY 28, 2013 NOTICE OF INVALIDITY OF ORAL AGREEMENTS TO: Borrower and all other Debtors, Contractors and Obligors with respect to the Loan which is identified below. 1. THE WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 2. As used in this Notice: "Borrower" means the Borrower identified below. "Debtor" and "Obligor" means any entity or individual who (i) is obligated to pay the Note or (ii) otherwise is or becomes obligated to pay the Loan (for example, as cosigner or guarantor) or (iii) has pledged any property as security for the Loan. "Lender" means Texas Department of Housing and Community Affairs, a public and official agency of the State of Texas. "Loan" means the loan by Lender which is to be evidenced by NSP Deferred forgivable Subordinate Lien Note, dated of even date herewith, executed by Borrower, payable to the order of Lender in the original principal face amount of $30,000.00 ( "Note "). "Loan Agreement" means one or more promises, promissory notes, undertakings, security agreements, deeds of trust or other documents, or commitments, or any combination of those actions or documents, relating to the Loan. 3. This Notice is given by Lender with respect to the Loan, pursuant to Section 26.02 of the Texas Business and Commerce Code. Each Borrower, Debtor, Contractor and Obligor who signs below acknowledges, represents, and warrants to Lender that Lender has given and such party has received and retained a copy of this Notice on the date stated above. BORROWER: '��NTERIANO LENDER: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, a public and official agency of the State of Texas By: Name: Its: Duly authorized representative TDHCANSPNOTICEHBA Page 1 of 1 SERVICING DISCLOSURE STATEMENT Loan Number: 77099991266C Date: FEBRUARY 28, 2013 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2601 et seq.). RESPA gives you certain rights under FEDERAL law. This statement describes whether the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sending any monthly or annual statements, tracking account balances, and handling other aspects of your loan. You will be given advance notice before a transfer occurs. Servicing Transfer Information We may assign, sell, or transfer the servicing of your loan while the loan is outstanding. OR We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or transfer the servicing of your mortgage loan before the first payment is due. OR The loan for which you have applied will be serviced at this financial institution and we do not intend to sell, transfer, or assign the servicing of the loan. Flood Insurance Coverage Subject to Change Disclosure: "We may assign, sell, or transfer the servicing of your mortgage loan. Your new lender /servicer may require more flood insurance coverage than the minimum amount that has been identified in your Notice of Special Flood Hazards (NSFH). The new lender /servicer may require coverage in an amount greater than the minimum, and has the right to require flood coverage at least equal to 100% of the insurable value (also known as replacement cost value) of the building(s) used as collateral to secure the loan or the maximum available under the National Flood Insurance Program (NFIP) for the particular type of building. You should review your exposure to flood damage with your insurance provider, as you may wish to increase your coverage above the minimum amount required at the time of closing your loan versus what subsequently the new lender /servicer may require." ACKNOWLEDGMENT OF MORTGAGE APPLICANT I /We have read this disclosure form, and understand its contents, as evidenced by my /our signature(s) below USRESPADISC Page 1 of 1 Rev. 01/16/09 Loan Number 77099991266C NAME AFFIDAVIT STATE OF TEXAS COUNTY OF WALKER BEFORE ME, the undersigned authority, a Notary Public in and for said County and State, on this day personally appeared YESSENIA INTERIANO ( Affiant), a credible person to me well and truly known, who, having been by me first duly and lawfully sworn upon oath deposes and states: The Affiant is one and the same as ZOILA Y. VILLATORO; ZOILA YESSENIA; ZOILA YESSENIA INTERIANO VILLATORO; ZOILA YESSENIA INTERIANOVILLATORO who is obtaining a loan secured by the property located at 500 2ND STREET HUNTSVILLE, TX 77320 AFTER carefully reading the foregoing affidavit, the Affiant does hereby solemnly swear that the facts set forth herein are true and correct, to witness which Affiant hereunto sets hand and seal this 28TH day of FEBRUARY, 2013. SWOR,N2p1 SUBSCRIBED by the above Affiant before me, the undersigned Notary Public on this day of . ,1 My Commission (ta�. 9OFTEXP�' two, �4 •..1ORES..• /14, 6 4 io I� 1«o ,\\ °�a�� • Nota USNAMEAFFB1 Page 1 of 1 ALKER County, TEXAS (Notary's Name: Typed or Printed) 2/27/2013 4:08 PM FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDERS AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991266C AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: YESSENIA INTERIANO ADDRESS: 500 2ND STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0% Finance Charge The dollar amount the credit will cost you. $0.00 Amount Financed The amount of credit provided to you or on your behalf. $30,000.00 Total of Payments The amount you will have paid after you have made all payments as scheduled. $30,000.00 INTEREST RATE AND PAYMENT SUMMARY Rate & Annual Payment:;: Interest Rate 0% Principal + Interest Payment $3,000.00 Est. Taxes + Insurance (Escrow) $0.00 Total Est. Annual Payment $3,000.00 Final Balloon Payment due : DEMAND FEATURE: ig This loan does not have a Demand Feature. r! This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: C.T 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: 500 2ND STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $100.00 (e) ASSUMPTION: Somebody buying this property PK 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 fl is iz 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 may tg will not have to pay a penalty r may ig 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. Borrower /Date Borrower /Date Borrower /Date Borrower /Date Borrower /Date TDHCAUSTILFIX2ND Page 1 of I Borrower /Date 2/27/2013 4:08 PM FINAL TRUTH -IN- LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991266C AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: YESSENIA INTERIANO ADDRESS: 500 2ND STREET CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 500 2ND STREET, HUNTSVILLE, TX 77320 Annual Percentage Rate The cost of your credit as a yearly rate. 0% Finance Charge The dollar amount the credit will cost you. $0.00 Amount Financed The amount of credit provided to you or on your behalf. $30,000.00 Total of Payments The amount you will have paid after you have made all payments as scheduled. $30,000.00 INTEREST RATE AND PAYMENT SUMMARY Rate '& Annual Payment Interest Rate 0% Principal + Interest Payment $3,000.00 Est. Taxes + Insurance (Escrow) $0.00 Total Est. Annual Payment $3,000.00 Final Balloon Payment due : DEMAND FEATURE: ig This loan does not have a Demand Feature. ri This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: [. 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: 500 2ND STREET, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $100.00 (e) ASSUMPTION: Somebody buying this property ix cannot assume the remaining balance due under original mortgage terms r'J 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 ri 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 ri may M 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. ` NIA NTERIANO D / 3 Borrower /Date Borrower/Date Borrower /Date Borrower/Date Borrower/Date TDHCAUSTILFIX2ND Page 1 of I Borrower /Date ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991266C Loan Amount: $30,000.00 Borrower(s): YESSENIA INTERIANO Property Address: 500 2ND STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 500 2ND STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: Fee Description AMOUNT PAID ON YOUR ACCOUNT/PAID TO OTHERS ON YOUR BEHALF: ITEMIZATION OF PREPAID FINANCE CHARGE: $30,000.00 Amount Total Prepaid Finance Charges $0.00 414 NTERIANO JM1 ,,?-,2J213 Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991266C Loan Amount: $30,000.00 Borrower(s): YESSENIA INTERIANO Property Address: 500 2ND STREET HUNTSVILLE, TX 77320 Borrower(s) Address: 500 2ND STREET HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: Fee Description AMOUNT PAID ON YOUR ACCOUNT/PAID TO OTHERS ON YOUR BEHALF: ITEMIZATION OF PREPAID FINANCE CHARGE: $30,000.00 Amount Total Prepaid Finance Charges $0.00 .r !,.Jeff N I TERIANO ..74'3 Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 AMORTIZATION SCHEDULE Borrower: YESSENIA INTERIANO Loan No.: 77099991266C Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Payment Date P & I Payment Principal Interest Mortgage Insurance Balance 03/01/2014 $3,000.00 $3,000.00 $27,000.00 03/01/2015 $3,000.00 $3,000.00 $24,000.00 03/01/2016 $3,000.00 $3,000.00 $21,000.00 03/01/2017 $3,000.00 $3,000.00 $18,000.00 03/01/2018 $3,000.00 $3,000.00 $15,000.00 03/01/2019 $3,000.00 $3,000.00 $12,000.00 03/01/2020 $3,000.00 $3,000.00 $9,000.00 03/01/2021 $3,000.00 $3,000.00 $6,000.00 03/01/2022 $3,000.00 $3,000.00 $3,000.00 03/01/2023 $3,000.00 $3,000.00 $0.00 END OF AMORTIZATION SCHEDULE BMGAMORT Page 1 of 1