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image190462/13/13 9:29 AM OMB No. 2502 -0265 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. A. U.S. Department of Housing c and Urban Development J!' Settlement Statement (HUD -1) B. Type of Loan 1. [ ] FHA 2. [ ] RHS 3. [X] Conv. Unins. 4. [ ] VA 5. [ ] Conv. Ins. 6. File Number 2012111159 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: Desiree Fails, PO Box 6266, Huntsville, TX 77342 E. Name & Address of Seller: City of Huntsville, 1212 Avenue M, Huntsville, TX 77340 F. Name & Address of Lender: First Financial Bank, N.A., 33 SH 75 North, Huntsville, TX 77320 Texas Department of Housing and Community Affairs, 221 East 11th Street, Austin, TX 78701 G. Property Location: Lot 1, Oakwood View 921 Avenue H, Huntsville, TX 77320 H. Settlement Agent: Walker County Title Company (936) 295 -8173 TIN: 742113306 Place of Settlement: 1109 University Avenue, Huntsville, TX 77340 I. Settlement Date: 2/13/2013 Proration Date: 2/13/2013 Recording Date: 2/13/220133 Disbursed Date: 2/13/2013`N B ®,. n ' � ^� N SA 7QO�:rK.�fmcctn�,i�,r�'�r „fie= pQ,,...n ��; ,....� ,�.,� ��.��.�':t)� A 4 ry T >f t�ro� �..,,,,, ..�, ®,�.. �e..._��..3.,�'. P5 W 101. Contract sales price 62,675.10 401. Contract sales price 62,675.10 102. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 2,242.40 403. 104. 404. 105. 405. ,,r t� yyyy��pp a :, '`� $ �y } ' aiiiiM ''f �`! tft seller) 11 9, 3 d 3 a .i ft�4� �t1�s�pa �Y� �adu;� �� P Ys r , 3 . � $ tx ' ,, .: "(#' I �.�� ? 106. City /town taxes 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: 64,917.50 420. Gross Amount Due to Seller 62,675.10 200 , Amaupts: Paid by n ..f BP' UN 5O , #Et .. 00 t ,',, ,. a 201. Deposit or earnest money 500.00 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 33,650.00 502. Settlement charges to seller (line 1400) 10,175.10 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. Additional Earnest Money 750.00 504. Payoff of first mortgage loan TDHCA Payoff 52,500.00 205. 2nd Loan from TDHCA 30,000.00 505. Payoff of second mortgage loan 206. 506. 207. 507. 208. Credit for Homeowners Training (POCB) 50.00 508. 209. 509. Atli , Qi ter?1 f p idb�1 ..... I � Ad14 ►4 „ �s R I ter' 210. City /town taxes 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 64,950.00 520. Total Reduction Amount Due Seller: 62,675.10 trs aeli � 446001ii' �r �� : •f 101;$447143---'' � . A : ila 301. Gross amount due from borrower (line 120) 64,917.50 601. Gross amount due to seller (line 420) 62,675.10 302. Less amount paid by /for borrower (line 220) 64,950.00 602. Less total reduction in amount due seller(line 520) 62,675.10 303. CASH ()FROM (X)TO BORROWER 32.50 603. 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. ..�� ls e a � �11 �� ' � t 0��t�. 700. Total Real Estate Broker Fees Paid From Paid From Seller's Funds at Settlement Division of commission (line 700) as follows: Borrower's 701. $ Funds at 702. $ Settlement 703. Commission paid at settlement 0.00 704. 705. 000: 10 , j2bilt:, ?aak�l�lI1'ctf�,46 801. 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 to FFB FBO Experian (from GFE #3) POCL 3.77 806. Tax service (from GFE #3) 807. Flood certification to FFB FBO AFR (from GFE #3) 17.00 808. 809. 810. 811. 812. 813. 7, QO}` S,s . . ,a.Re r , ePait#q 1 901. Daily interest charges (from GFE #10) 902. Mortgage insurance premium (from GFE #3) 903. Homeowner's insurance 1 year Hochheim Prairie Fan(fromGFE #11) 404.00 904. 905. 1000 � R@SeCV� $1 t$ 1N1� �ir1��i�i a, �� , - � � �'y > � Y'.itt"w,W �; s... '�,..t `3Y�� "�#D'��'�.'�•'t, L °+ "'`n -., 1001. Initial deposit for your escrow account (from GFE #9) 242.40 1002. Homeowner's insurance 2 mo.@ $33.6700 per mo. $67.34 1003. Mortgage insurance 1004. City property taxes 1005. County property taxes 4 mo.@ $87.5400 per mo. $350.16 1006. Annual Assessments (maint.) 1007. 1008. 1009. Aggregate Adjustment ($175.10) 40 4�q iWg 1101. Title services and lender's title insurance Walker Count) (from GFE #4) 758.00 1102. Settlement or closing fee 1103. Owner's title insurance to Walker County Title Compa (from GFE #5) 591.00 1104. Lender's title insurance to Walker County Title Compa $200.00 1105. Lender's title policy limit $33,650.00 1106. Owner's title policy limit $62,675.10 1107. Agent's portion of the total title insurance premium $672.35 1108. Underwriter's portion of the total title insurance premium $118.65 1109. Agent Name: Walker County Title Company 1110. Underwriter Name:Stewart Title Guaranty Company 1111. 2nd Lien MTP + endorsements to Walker Count) $207.00 1112. State Guaranty Fee (3 TPs) to Walker Count) $6.00 1113. Escrow /Closing Fee to Walker Count) $300.00 1114. Tax Certificate to Walker Count) $20.00 1115. Delivery Fee (TDHCA) to Walker Count) $25.00 1116. 1 Ot , t GQve 1n ntRecprdl0 TCansfA 1201. Government recording charges (from GFE #7) 0.00 1202. Deed /Mortgage /Release Deed $20.00 Mortgage $48.00 TDH $56.00 124.00 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 ,�y S uiT,y� pg }y a5 ! �. V R",# 1��+ 8. �5,' Yr�i' 1 ,�i��I �`^Y1Ci�Mrit��e1�`�'%�� , ,�F.y ,__ �f� "��eM. .., . 1301. Required services that you can shop for (from GFE #6) 0.00 1302. Survey 1303. Construction Reimbursement to City of Huntsville 10,175.10 1304. Homeowner Training to Texas Department of Housing and Community Aff, POCB 50.00 50.00 1305. 1400. Total settlement charges (entered on lines 103, section J and 502, section K) 2,242.40 10,175.10 2/13/13 9:29 AM File Number: 2012111159 Good Faith Estimate HUD -1 Our origination charge # 801 $0.00 $0.00 Your credit or charge (points) for specific interest rate chosen # 802 $0.00 $0.00 Your adjusted origination charges # 803 $0.00 $0.00 Transfer taxes # 1203 $0.00 $0.00 ChargosxThat [f Tot Ipl t1. Good Faith Estimate HUD -1 Govemment recording charges # 1201 $200.00 $0.00 Appraisal fee # 804 $400.00 $0.00 Credit report # 805 $3.77 $3.77 Flood certification # 807 $17.00 $17.00 Title services and lender's title insurance $787.00 $758.00 Owner's title insurance # 1103 $594.00 $591.00 2,001.77 1,369.77 - 632.00 or -31.8% Charges'1'[)8t atix,C n s , '" ' .,.,. Good Faith Estimate HUD -1 Initial deposit for your escrow account # 1001 $180.61 includes [X] Principal [X] Interest [ ] Mortgage Insurance $395.29 $242.40 Daily interest charges # 901 /day $0.00 $0.00 Homeowner's insurance # 903 [X] No. [ ] Yes, the first increase can be on and the monthly amount $650.00 $404.00 Does your loan have a prepayment penalty? [X] No. [ ]Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment? [X] No. [ ] Yes, you have a balloon payment of $ . due in years on . Total monthly amount owed including escrow account payments # [] [] # Loan Terms Your initial loan amount is $33,650.00 Your loan term is 30.00 years Your initial interest rate is 5.000 % Your initial monthly amount owed for principal, interest, and any mortgage insurance is $180.61 includes [X] Principal [X] Interest [ ] Mortgage Insurance Can your interest rate rise? [X] 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, your interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? [X] 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? [X] 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? [X] No. [ ]Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment? [X] 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. [X] You have an additional monthly escrow payment of $121.21 that results in a total initial monthly amount owed of $301.82. This includes principal, interest, any mortgage insurance, and any items checked below: [X] Property taxes [X] Homeowner's insurance [ ] Flood insurance II [] [] Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Previous editions are obsolete HUD -1 GF: 20121111.59 CERTIFICATION I have carefully reviewed the HUD -1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD -1 Settlement Statement. SELLERS: PURCHASERS: Desiree Fails To the best of my knowledge, the HUD -1 Settlement Statement which I have prepared is a true and accurate account of the funds which were received and have been or will be disbursed by the undersigned as part of the settlement of this transaction. Walker County Title Company WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details, see: Title 18 U.S. Code Sections 1001 and 1010. ......... ........... . . ' -;:.5: • • , . .. • • .LEG.NQ: 5/8p fRoN -rob,ircibi<lij, - • " (uNLES5 N.:OTED.) ' .- .4!R: .,''.;,'i.O.,'• 7:',M!•:::', ".M CQ01:119NER ,F;tie..Q,Tptc . 2,- .CLEA,'N'','OUT WATER ,iE-R. p ',v19'.P3 :VAt:VE El As kt-r.ER- R0.0.p.r.).5-: m.,R,..y.:c:T., .WALkER1 TEXAS • • : ... METER COUNTY •. 1 rf,'". ••.. .•, 0 0 '0 •13 30- 60. •-• .. SCALE '1:i...=. ',0 ' ' . ' ' ED. . PLE: y AKT C5-11AV . .. . . . • - '' " • • • ILEA M A-24 . . OAKW0.0.0 VIE. • Q 8-r..:1BDivtibr nj.M.T.SVILLE. • v., TOWN1E: *yi, VI:X-4. 2.5 ..., SI ..... •, • '.517B.PIT$TQN iVI.R:V.V.-•:t.T.: P 0 LOT' :2 .• . . . .....,,,, 8.700' 0 ,...'' :E. F1\10.112.9;R. r iSl0.1,?12e: • . ... . 38" • •• ' l'01.141.Y GAP It/Ai:UM .A'i?.. ':9,:•...T•.. . 41) • so. Z• A:VO.: /YE -',- 1: ....----1,,,, ''''''''!''''''. 'R.1 •F 1.,.. ai. ., 5;1 4, 1 I: • . IQ,. BuiLijip.' G'.....0his c-,.._.- PcRPl:AP ....„ (1 : A./.0..PAb t'a. . .-: .rt.i c) • .. . P.)1M/C.1:4' ,tiWilNS.70' 7'./Me'X'..2):iii?7/3,44 liti, t4-04.4././1* ,i'4 .:ria„ .6'it• '0:-P.Aec::7!; . 'r.ri Lti • ,z),' .11:,0c?1<.'.52. 'kl .6 , •cp., , .• vol(1.14 SUR EY REVILI Lo, tN ---; • 1..., z.• .:•,.. .1_,J. .,t, : ' -.; -:(5.17-•::.,_:: ,,__ Li.p.: C."),,c, :: ci. kr :...... :•, •:,•Ai.J.... ,•,•,- ,--4. g: ':.t.V• • 0:0 ,... tr.) 0) i • co 1 I 'il:P.-: :,,, .... m CONq, sr.kire...,- • / •••24;." - ' '; ''' 1. iii0RY ' - ' :. -A4R.D1•77 : VI ..: 0.,..i • At: . R. .0179: (7812-Sa ' '''' CONC. __: ACRES lg..: F.T.)S, • - ' •--z. TOT 1 '''' .• . :." •:.1 :E. 2t: ,' ,L... 1. .4:,..c. • ii r.9' a-) :C) •••• , ! :ion 4 • - '' • ___..Nt D5:,:r.ifiziNc tihy pEri...PLAT .N::, „,;%-.. ,• :- '7''COM:tr.L rt , ■'• • DRIVEWAY ,•,..0./ ... ' : -0 : • ;.E.-4 ' L .RHH:: .... FN01/21R.: .P' .cQoc.'; •• •.,,,, ..0: co ..:.-. ..,.... , . . 2 ., .. WA:ULM( . •,(;•„..051pg-tyAtt.: • 1 ; ., 6 p. ,----,,--, 1, „ ., , %Cali` SIDEWALR•• • ..: •••• 1 Da.: ....0.)-N;.:0 i : ..,;z.• 4... t. 1.. STEPHENMOHROSZcZf. • -• •'''E.'s , 1,4,!s .. 1YD: NO T. E,S,: , 1, This :-:.'iirrvy Inns- per fornie':•Of Title C.O.r.ith.ikr..60.1:f?.. PL. Horizontal Control Is liToseci Hoatsyiflp :;MOnti.nienk•:;- CURS :4:7 .G.un-F.:R: tool 7,:iiiEE7:7- -,. ASPHALT PAVEICIENT. .. ''t .e:.' •_:, SS ',5''''' 1.cP: • SURVEYOR '.S CERTIFICATE • Ao.;;,,,,,.. • t to.ony certify Y (0 We 0.ib Of .-ontsville Pio this sUrsioy: x.ios ,rni..ide. bn the ;grpOnc3: :Ond::COrnpleieOl. on . 5937 '7,e.,•*; - Au9uOt: 7 1. , 2011 ••thot.• this clreAving correctly rOpiespri0- tb:O.. facts TO.citid -0 t.tA tin 0.tPriq.'y 'ORet: thot Thji.„ sko...„: ,' . , . . .• ' - profpspiohai 7,seOlog. vsubsonti.olltoonforms '.1.o he a U :? - ourr.en Texos SOcioty of Protessional Surveyort • •, $000ords end Slicelf!:otteno. for ei pcitegery IP:J. Condition :;11 .Si-O!.0.),.., 'wit:h. out Ole !bar-fork:Of: .o on holding City :df. ;;,77.' , No. sl54,(igr.1.0 e654' 0040, a• North 1 . • : = 1.0:'25a,401..90, .4', 06§t= 3 ;800...,32.‘9) rid:' 4114, (grid ;40; n 10., #.6,'iliiig0.; .0! ' 14.0t.01 =• IP, 260 270 46 & • ' , . p•, •.t,• ,. , •. q,i1;S No 30,-,0 T,10G;316:44Geglhgs shown ite,rdetec:at th .' . TefrOs- Q6001,1n.Ofo :StPri-1.-, .Of 198, centtorZiine: 1210tbilVei: • rihowq or US. 'Surv..qy:'Fepi ;in Reid. :1-lort4911kor ,unqs.: ,enl! may :be converted to GRID Units by: mulkipiyiOg by 01 OO'ipb)r.f.e"!:t ,SpOlp. Ts O Or of 0:99958: , . - • • - - :. . • 'A■ •deSdr.iOtiOn . Of •Pyon! clotP -ocOOmOOrii0 ttkis,. blbtl. per 'Title; - .„: :C:o:. momitment GF No 201010903 schd.ip 9 '04 Easenndited torch 8, t9A5 From Bobby .01 tt° n s 'LLC ...,4 : .S. :, Om. Ci1y:•0:f H.P.r.itssiille. •••t@PPFPIPd. :in v0.114rEv,•TO, . . - 25814. 1360de: Racid.' Page: :502,1 of .the • Official Public Records -4VOItcer •.QLoynty,. :SOtiog '174os 7748Q- Os!,-- SLiNect to. .P.11 on e:,•£31',-, $131 -,977 6.6 Fox:2131-s•81!!!-.'9 lbc) All streets rrght 41. ways, building lihes! and t.tIliky . easements shown .66 the! .,i.tilia)(4).ei'db. plat i-.60;r0'0, in Volume •il..v•P!69P: 25 of the - PIO geOoedi,. Vicaer County Teas •:= Subject to . .._,.. ow1,1 or NEP Data; ;662.72/0 1"....:30.!' 0*.•-„ay: ',,sme: ex.:, N/..,v. ..... . Pr.c.Act t+,?..• ij,421•9!--0.6: Dp1,460 rfamo • :11:2;4962BIiN0Y.,D1NG: Xtidir.ei h.'. • ••• • • ' • ' N/A . . -- . . • . . ." ... D & ACCEPTED k.1^d4,41) -13 IVIETESr„AND13.0 021 487,g4wa, .9sot$91/10;,'Exas Bing ,.agre,:(: 7j2 pt otiaijd: locgtpd: the Leagn4.AbStiaetY24;'Walleer, Connty, Texas And being:.#11..;of L.pt 1 qt'ktg Oakwood.View Texas,, i'd.ok"deet,in V1iiie 4, Inike::25 faMalketZounty,. said ,0:.115 •tibi0 of bcmg mrne palt1ru1aL1y Uattiolitd:••• by metes aiid bogoA..a.$1011.qm: aluminum cap fowl44E11* soutkiweg:::com.w.pf said Lot 1,....:.lieftig at tbe 7:ifiteitedtititi [of the bdrtifefir Stieet aiid of.M.gmlo L bi 0,74:th,;00.$A0.4:, THENcEjNortb 01:959,577?.:W.00410..pcp. of, 833 9 fgeti along rgstoglytDe:::of gOd. Lot 1 and the'eaSteily iglit-itif-tay line of Avenue 1-1 a Yfidndu;iton.rod..with.,cap found for !iiotttiwet 4611er 16:f ai4 Itit 1 -.1.110. the southwest df: Lbt .2 said sttbdiy.iSion.; THENCE5„Noith 88R0T:03.Eas.t, a diStance,:of..:3:eetlong Lots 1 tid.1 to a :V...i.4.1:teh ixoii iod with s found rn an easteily hie of said sii:12ft$fori, beirig the aioithon:opiow0C4iti Lot 1,, ;$.00.thoot. and 111 the Nyqpfgdy ;or *qt. ceitain ,••1i:4c,t. ,:conveyed : 'Mika (currently owned IT?atr ie.ia.0 bAispi) and cesodbed 4.( Voluine 52, rage al of the Offieia1 leef'Coniity,:Texaq THENCE 02959'59” EIA:a::..af8to.ti.oe of 8265. "feet alting"the COMMOn.lite Of Lot 1 and said Robinson tract to a V2,ineh non rod :Iva .aluminum cap., found in the nor,ther4),'right(5f=way line:,.of"10th..Street, being southeast of said Lot I E.11:4:,(hA disittiWdtz,e6filbr dtSaid ktibi&tiri.'ttdsct.; THE disfalioo.,4;•:• foot,;•:4ogg.f3 io way 1.itie.••••of'10 'SSircO':zind.tic,;•Sr*.thotly lino,:ofsatd • .7 . • • 01.79,,of *AA 4de:iifklid. 000.*))1,01 Cqiitrpi is based ort:TioldlAg ".6154,..(014 •I0Z9801 :90.4 cootdim,(o ol 10,260,270 46 & Easy= 3.';.:800'.i.314,84):,: Bearings T6X0S. (1983.i:Celittat ZOsifd! 6to US.,!•Survey'Reetin. 14`04zoW41'» uiits hxa' be coiiverted th "ORM" by wititiplyitit p.olitine4.:.4.poieffactor of:0;99988 ; Plat of even dafe• aopornpfplies44 .acscqpfioq... popitdi,by;:' Z13:1.A Spig Toxos. TeL 28U6819766: SURVEY REVIEWED & ACCEPTED , ,. ....... • • .. . • . e 5../e [R014 .FROD, FOUND : LI (OLES:Si NOTED) ' : i. - 0' AIR CQNP11121\1P? P P' '15 39' • 60. • 2 c..."v:imiE: ' 2°..:.... 1 1 . 1(i'. BUILI*GlIga " . - - .. ' 0. . t --L., , .s: i •pyw , i - - ,,! :is, . .. . ...0179: A ACRES' 1 .. ...:.. . • • "Ve •::-'. - ---- . .; P .. 2 .o. . : w . 14011.;LIALail# • . wo_ggigit.it- • . -6 i p p ,,_... . S le , ' '..c•btk..,, SiDEwALC:4•• , '7.:.4•....''',"" ' - • D £ ACCEPTED X.1,144) -/3 NIETE8'.AND.Ro:UNDS•:Of: iitint$•/1.TOxas Being a 0 179 of :scjimre ±ceO fyqp:4of,jgat located jii.; the VI.:048A0:-0.0y Leagrae,:AbStradt 24 ;Walker County, Texas ancl being ;a11 oS'Lot 1i (he Oakwood :View Subclivisrnn, as ibOOftain VOlitrrie, 4, Page 25 oi the Map 11664§:dfl'Walltor'Edurity, Texas, said 0 179 0± an acio of iland being moie pattiulai1y dadiititd. by metes aiid 47dund,S, ,as'fOl,lovs,•; BEGINNING ,at4M4li'Cli aluminum fountllfOrflig sov.thwe0:zegm,g•:;dr said tOt.f.,j:liei4i at ;.the7:ifito8.attlii ot th liOrtlYefly':adlitOf4.0.' liiie ,:drIO, • Stitetand thp:::easterty 0.f..Mgove 0:40,0a:ou WW.f.ath.:00$,Teo.0; THENCENOrth :00,J;q:,4togicp..of,8139.f.geti don 'flio: gOd. Lot 1 and tlie.ta§terly Oglit-of4ay line of Avenue 1-1 a %.indli,iton.rod.with,qap foundi .fat tho llottfiwea; ;:c011-w of said tOt'.. 1 t.t110. .sojlthW.:68t. ..ottidi, of Lot 2 Of .said: subdivision, THENCE,NortIT 88000) 03" EaSt,a distance 93;3fetalong lhe 9omprolk1JpAgiCt, uon bid with alurnmwn b.45. Nina rn an easedy 1ne df said the ogittliegt:oomg-of said Lot 1.. the $006oFfa. nd in .fl*N0.101,Y, Jim '0010 (currently- owned. IT.PatriCla.:13411tpsou), and .clescibed in 'Volunic 52, rage: :M1; of the Official C�uty, Texas;; TFIENOZ:OUth of. V., 65: :febt,..4iotig:Ttho..,oi-4.4104,.:ttrw:,of:§att: Lot. 1 ad siid Robinsoii 14.4.1e.t to i 16-inch iron. Tod :tyi`h aturninum cap. jr -thg jiiie::oflOti',.Streeti being the.,soufheaScorner:ce..04.. Lot j ancl the :StitithAt.eStObilier of•Stild gottoyb,7410.-7,017,. • way line:. of 161.1'':giree"-t:Inathc,,:soUtherly bntEiinitig 0.1"9 of nI iidd:Ofratki, :044001 is based on 1iociing City Kailtavi...114,„:Minfigoji,t8No',. 6.154 ,:(0K.I: coprOingeof Noith = 10,2603270;46: :Bearings descfike4,..rake- ielated to the ..te:*AS Dt§taiiceS.:ShoWli are US1Survey'Reetin .14OrlzOntal":' Wilts and: to "ORM" farttiplyik b3 ev ofs0j.99988; Plat.oleverr Clate:aoc.ornpanles41*,ClcsOlption,.. PIepaEecLby; Ge ohitoxis, riLC, 1$$14, $14'epApol, i.sp.g4g,„. Tow; TeL 28i,681:79.766 SURVEY REVIEWED & ACCEPTED Date: NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOTMAY REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROlt AN , INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS mild FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR11R DRIVER'S LICENSE NUMBER. B GENERAL WARRANTY DEED WITH VENDOR'S LIEN (WITH SUBORDINATE VENDOR'S LIEN) W CC THE STATE OF TEXAS ) cn cAo - KNOW ALL MEN BY THESE PRESENTS: L COUNTY OF WALKER ) = s" =I THAT CITY OF HUNTSVILLE, hereinafter called "GRANTOR" (whether one or more), for and in consideration of the shim of TEN AND NO /100 DOLLARS ($10.00) cash and other good and valuable consideration to GRANTOR in hand paid by, DESIREE FAILS, A SINGLE PERSON, whose mailing address is 921 AVENUE H, 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 FIRST FINANCIAL BANK, 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 Thirty -Three Thousand Six Hundred Fifty And No /100 Dollars ($33,650.00), 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 FRED WREN, 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 13TH day of FEBRUARY, 2013. CITY OF HU VILLE BY: NAME: TITLE: TDHCA2NDGENWARDEED2NDWCOM Page 1 of 2 THE STATE OF TEXAS COUNTY OF WALKER ) ) This instrument was cknowledged before me on the it.e- amos,„1114i,kitt %,o ... Ao„ AR yAG�� ?y • Try by J'ta THE STATE OF TEXAS COUNTY OF WALKER This instrument was acknowledged before me on the by THE STATE OF TEXAS COUNTY OF WALKER ) ) /3 Tit of day a u (Acknowledgment) ua� ommission expires A.. N�try Piylylic, State of TE- -s' P nted ame /�d � ah�� /r (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 ,. -. ��„ ` COUNTY .�'r'0A.1,407,4,4:144% This ipsti eht wa g d ,f, n ed before me on the by C E? 4 /WS of a -7., ....4.0 ' %cej :'°�4 AS : ' I Notary Public, State of Printed Name: (Acknowledgment) day of My commission expires Notary Public, State of Printed Name: (Corporate/Entity Acknowledgment) / r / 3 day of ,onb ehalf of said 0 c_c_ut Ait.„,it,„titt.) My commission expires AFTER RECORDING RETURN TO: DESIREE FAILS 921 AVENUE H HUNTSVILLE, TX 77320 Re: 921 AVENUE H, HUNTSVILLE, TX 77320 TDHCA2NDGENWARDEED2NDWCOM Page 2 of 2 No ry Pu(ic, State of Printed Name: Zio AV/j a Exhibit A Being a 0.179 of an acre (7,812 square feet) tract of land located in the Pleasant Gray League, Abstract 24, Walker County, Texas and being all of Lot 1 of the Oakwood View Subdivision, as recorded in Volume 4, Page 25 of the Map. Records of Walker County, Texas; said 0.179 of an acre of land being more particularly described by metes and bounds as follows: BEGINNING at a %z -inch iron rod with aluminum cap found for the southwest corner of said Lot 1, being at the intersection of the northerly right -of -way line of 10th Street and the easterly right -of -way line of Avenue H (based on a width of 75 feet); THENCE, North 01°59°57" West, a distance of 83.39 feet, along the westerly line of said Lot 1 and the easterly right -of -way line of Avenue H to a '/z-inch iron rod with cap found for the northwest corner of said Lot 1 and the southwest corner of Lot 2, of said subdivision; THENCE, North 88 °00' 03" East, a distance of 93.38 feet, along the common line of said Lots 1 and 2 to a '/z -inch iron rod with aluminum cap found in an easterly line of said subdivision, being the northeast corner of said Lot 1, the southeast corner of said Lot 2 and in the westerly line of that c'ertain'tract of land conveyed to Omesa Mills Walker. (currently owned by Patricia Robinson), and described in Volume 52, Page 611 of tile- Official Public Records of Walker County, Texas; THENCE, South 02 °59' 59" East, a distance of 82.65 feet, along the common line of said Lot 1 and said Robinson tract to a '/z -inch iron rod with aluminum cap found in the northerly right -of -way line of 10th Street, being the southeast corner of said Lot 1 and the southwest corner of said Robinson tract; THENCE, South 87 °32'54" West, a distance of 94.82 feet, along the northerly right -of- way line of 10th Street and the southerly line of said Lot 1 to the Point of Beginning and containing 0.179 of an acre of an acre of land. EXIHIBIT "A" PAOEJOF .L_ GF #: 2012111159 Closing Date: 2/13/2013 Seller: City of Huntsville Buyer: Desiree Fails Legal: Lot 1, Oakwood View 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. PURCHASERS: Desiree Fails 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: 2012111159 SUBJECT PROPERTY: Lot 1, Oakwood View 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: Seffed 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 nother ta53ffiant, 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: I 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. Sworn to and subscribed before me this / 3 day of u" t 4� A.D., 2013. \\ \4 {HIIIIIN/0�/ �QpT ANN RY T.. 9''r, . 9 1 " F of Tp,5 *Note: This form is to be filled in air��si�IbjFi ;�ellft•4n cue 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 musti4 lt4 this foC �7ar fill in and sign a separate one. *If seller is a non - resident alien, forei fl1 r ta; etc., call your manager or Legal Department. Notary blic in hd for the State of Texas 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: Stewart Title Guaranty Company ( "Title Insurer ") Walker County Title Company ( "The Company ") RE: City of Huntsville to Desiree Fails File Number: GF 2012111159 Land: Lot 1, Oakwood View 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 -1 R). 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 -1R), 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 13, 2013 Signature: k. Desiree Fails 2/12/2013 5:44 PM FINAL TRUTH —IN— LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991263C AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: DESIREE FAILS ADDRESS: 921 AVENUE H CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 921 AVENUE H, 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: R This loan does not have a Demand Feature. ri This loan has a Demand Feature as follows: VARIABLE RATE FEATURE: l 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: 921 AVENUE H, HUNTSVILLE, TX 77320 FILING / RECORDING FEES: $100.00 (e) ASSUMPTION: Somebody buying this property IF cannot assume the remaining balance due under original mortgage terms n 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 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 R will not have to pay a penalty r; 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. az/4, o . Q 4) DESIREE FAILS Borrower/Date Borrower /Date Borrower /Date Borrower /Date Borrower /Date TDHCAUSTILFIX2ND Page 1 of I Borrower/Date 2/12/2013 5:44 PM FINAL TRUTH —IN— LENDING DISCLOSURE STATEMENT LENDER OR LENDER'S AGENT: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY LOAN NO.: 77099991263C AFFAIRS Type of Loan: Conventional 211 EAST 11TH STREET AUSTIN, TX 78701 BORROWER: DESIREE FAILS ADDRESS: 921 AVENUE H CITY /STATE /ZIP: HUNTSVILLE, TX 77320 PROPERTY: 921 AVENUE H, 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: i5Z This loan does not have a Demand Feature. S'. 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: 921 AVENUE H, 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 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 17 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 pay off your loan early, you ..._..l may D7 will not have to pay a penalty rl may t5K 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. & cLt 1L0s . -oJ DESIREE FAILS ? -/3 /3 Borrower /Date Borrower /Date Borrower/Date Borrower /Date Borrower /Date TDHCAUSTILFIX2ND Page 1 of 1 Borrower /Date ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991263C Loan Amount: $30,000.00 Borrower(s): DESIREE FAILS Property Address: 921 AVENUE H HUNTSVILLE, TX 77320 Borrower(s) Address: 921 AVENUE H HUNTSVILLE, TX 77320 Lender: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS 211 EAST 11TH STREET AUSTIN, TX 78701 Itemization of Amount Financed of: $30,000.00 Fee Description Amount AMOUNT PAID ON YOUR ACCOUNT /PAID TO OTHERS ON YOUR BEHALF: ITEMIZATION OF PREPAID FINANCE CHARGE: Total Prepaid Finance Charges DESIREE FAILS Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 ITEMIZATION OF AMOUNT FINANCED Loan Number: 77099991263C Loan Amount: 530,000.00 Borrower(s): DESIREE FAILS Property Address: 921 AVENUE H HUNTSVILLE, TX 77320 Borrower(s) Address: 921 AVENUE H 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 DQ Al Q T /3 DESIREE FAILS Date Date Date Date Date Date USITEMAMTHERA Page 1 of 1 FEBRUARY 13, 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: 00.4y/A (ICI . �QIQ Q DESIREE FAILS 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 DOCUMENT CORRECTION AGREEMENT LENDER: TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, a public and official agency of the State of Texas BORROWER: DESIREE FAILS PROPERTY: 921 AVENUE H, HUNTSVILLE, TX 77320 DATE: FEBRUARY 13, 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: RASt9��o�t DESIREE FAILS TDHCANSPERROR Page 1 of 1 Loan Number 77099991263C 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 DESIREE FAILS (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 DESIREE K. FAILS; DESIREE KAY SMITH; DESIREE SMITH; DESIREE K. SMITH; DESIREE KAY FAILS who is obtaining a loan secured by the property located at 921 AVENUE H 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 13TH day of FEBRUARY, 2013. 0"""""/1/04. pNNHpR °o\.Q,1 .ti �/i `'J �:‘pRY PUP 0 r2� ''nn r n `e.� CY�L�1,49-) QPc DESIREE FAILS J\ a:, zi i ° 9 �OFjE'P � A , -- ij„„i,8 lltlll li .l > \.�,\��, SWORN AND SUBSCRIBED by the above AfffJant before me, the undersigned Notary Public on this /3 day of ,_. ZI (L�ic .3 A.D.. 1 My Commission Expires: (Seal) 1111111110 . 1 • (r)4k CFTt'i-P� /'/'1,,, &!114 11N \",eA�,y Notary,P blic, LKER County, TEXAS USNAMEAFFB1 Page 1 of 1 (Notary's Name: Typed or Printed) SERVICING DISCLOSURE STATEMENT Loan Number: 77099991263C Date: FEBRUARY 13, 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 Bs?_,--i P7 DESIREE FAILS USRESPADISC Page 1 of 1 Rev. 01/16/09 AMORTIZATION SCHEDULE Borrower: DESIREE FAILS Loan No.: 77099991263C 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