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Loan Calculations <br />Total of Payments. Total you will have paid after <br />you make all payments of principal, interest, <br />mortgage insurance, and loan costs, as scheduled. <br />Finance Charge. The dollar amount the loan will <br />cost you. <br />Amount Financed. The loan amount available <br />after paying your upfront finance charge. <br />Annual Percentage Rate (APR). Your costs over <br />the loan term expressed as a rate. This is not your <br />interest rate. <br />Total Interest Percentage (TIP). The total amount <br />of interest that you will pay over the loan term as a <br />percentage of your loan amount. <br />$0.00 <br />$0.00 <br />$0.00 <br />0% <br />0% <br />?Questions? If you have questions about the <br />loan terms or costs on this form, use the contact <br />information below. To get more information <br />or make a complaint, contact the Consumer <br />Financial Protection Bureau at <br />www.consumerfinance.gov/mortgage-closing <br />Other Disclosures <br />Contract Details <br />See your note and security instrument for information about <br /> • what happens if you fail to make your payments, <br /> • what is a default on the loan, <br /> • situations in which your lender can require early repayment of the <br /> loan, and <br /> • the rules for making payments before they are due. <br />Liability after Foreclosure <br />If your lender forecloses on this property and the foreclosure does not <br />cover the amount of unpaid balance on this loan, <br />state law may protect you from liability for the unpaid balance. If you <br />refinance or take on any additional debt on this property, you may <br />lose this protection and have to pay any debts remaining even after <br />foreclosure. You may want to consult a lawyer for more information. <br />state law does not protect you from liability for the unpaid balance. <br />x <br />Refinance <br />Refinancing this loan will depend on your future financial situation, <br />the property value, and market conditions. You may not be able to <br />refinance this loan. <br />Tax Deductions <br />If you borrow more than this property is worth, the interest on the <br />loan amount above this property's fair market value is not deductible <br />from your federal income taxes. You should consult a tax advisor for <br />more information. <br />Contact Information <br />Name <br />Address <br />NMLS ID <br /> License ID <br />Contact <br />Contact NMLS ID <br />Contact <br /> License ID <br />Email <br />Phone <br />Confirm Receipt <br />By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or <br />received this form. <br />Applicant Signature Date Co-Applicant Signature Date <br />CLOSING DISCLOSURE (PowerLender.com - 1775.739) PAGE 5 OF 6 • LOAN ID #