Mortgage Loan Comparison- Closing Disclosure Document

ｄｯ｣ｵｓｩｧｮ＠ｅｮｶ･ｬｯｰ･＠ｉｄＺ＠ｄＲＵｃｅＴＶｂＭａｃａｆＭＴＵＹＷＭａｆｅＳＭｅｆｄＸａｂｅＳｄａｂＱ

FHA product with $9K Deposit and $5K Seller Concession This form is a statement of inal loan terms and closing costs. Compare this document with your Loan Estimate.

Closing Disclosure Closing Information

Transaction Information

Loan Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property

Borrower Anthony Brian Geehan 35 Fairmount Place Apt 2 Leominster, MA 01453 Seller Stephen McIsaac 45 Elm Hill Ave Leominster, MA 01453 Lender Total Mortgage Services, LLC

Loan Term 30 years Purpose Purchase Product Fixed Rate

Sale Price $255,000

2/ 19/ 2021 2/ 23/ 2021 2/ 23/ 2021 Law Offices of Suzan A. C09831TTL21 45 Elm Hill Ave Leominster, MA 01453 $255,000

Loan Type Loan ID # MIC #

Conventional x FHA VA 2101031551 251-6950261-703

Can this amount increase after closing?

Loan Terms Loan Amount

$250,381

NO

Interest Rate

3.125 %

NO

Monthly Principal & Interest

$1,072.57

NO

See Projected Paym ents below for your Estim ated Total Monthly Paym ent

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments Payment Calculation

Years 1-30

Principal & Interest

$1,072.57

Mortgage Insurance

+

172.68

Estimated Escrow

+

381.48

Am ount can increase over tim e

Estimated Total Monthly Payment

$1,626.73

Estimated Taxes, Insurance & Assessments

$381.48 Monthly

Am ount can increase over tim e See page 4 for details

This estimate includes

In escrow?

x Property Taxes

YES

x Homeowner’s Insurance

YES

Other: See Escrow Account on page 4 for details. You m ust pay for other property costs separately.

Costs at Closing Closing Costs

$12,334.04

Includes $8,108.78 in Loan Costs + $4,225.26 in Other Costs - $0 in Lender Credits. See page 2 for details.

Cash to Close

$2,953.04

Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

Page 1 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

FHA 10K down

VA 10K down 3K seller contribution This form is a statement of inal loan terms and closing costs. Compare this document with your Loan Estimate.

Closing Disclosure Closing Information

Transaction Information

Loan Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property

Borrower Dylan Bryant 50 Crawford St Apt 2 Gardner, MA 01440 Seller Scott Martini 24 Halford St Gardner, MA 01440 Lender Mortgage Research Center, LLC dba Veterans United Home Loans

Loan Term 30 years Purpose Purchase Product Fixed Rate

Sale Price

9/ 14/ 2021 9/ 20/ 2021 9/ 20/ 2021 Law Offices of David L DL21 167 24 Halford St Gardner, MA 01440 $261,000

Loan Type x

Loan ID # MIC #

Conventional VA

FHA

400221104096246 73-73-6-0878589

Can this amount increase after closing?

Loan Terms Loan Amount

$267,003

NO

Interest Rate

3.125 %

NO

Monthly Principal & Interest

$1,143.78

NO

See Projected Paym ents below for your Estim ated Total Monthly Paym ent

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments Payment Calculation

Years 1-30

Principal & Interest

$1,143.78

Mortgage Insurance

+

0

Estimated Escrow

+

374.57

Am ount can increase over tim e

Estimated Total Monthly Payment

$1,518.35

Estimated Taxes, Insurance & Assessments

$374.57 Monthly

Am ount can increase over tim e See page 4 for details

This estimate includes

In escrow?

x Property Taxes

SOME

x Homeowner’s Insurance

YES

Other: See Escrow Account on page 4 for details. You m ust pay for other property costs separately.

Costs at Closing Closing Costs

$15,548.87

Includes $11,483.03 in Loan Costs + $4,065.84 in Other Costs - $0 in Lender Credits. See page 2 for details.

Cash to Close

-$3,883.46

Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

Page 1 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

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FHA product with $9K Deposit and $5K Seller Concession This form is a statement of inal loan terms and closing costs. Compare this document with your Loan Estimate.

Closing Disclosure Closing Information

Transaction Information

Loan Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property

Borrower Anthony Brian Geehan 35 Fairmount Place Apt 2 Leominster, MA 01453 Seller Stephen McIsaac 45 Elm Hill Ave Leominster, MA 01453 Lender Total Mortgage Services, LLC

Loan Term 30 years Purpose Purchase Product Fixed Rate

Sale Price $255,000

2/ 19/ 2021 2/ 23/ 2021 2/ 23/ 2021 Law Offices of Suzan A. C09831TTL21 45 Elm Hill Ave Leominster, MA 01453 $255,000

Loan Type Loan ID # MIC #

Conventional x FHA VA 2101031551 251-6950261-703

Can this amount increase after closing?

Loan Terms Loan Amount

$250,381

NO

Interest Rate

3.125 %

NO

Monthly Principal & Interest

$1,072.57

NO

See Projected Paym ents below for your Estim ated Total Monthly Paym ent

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments Payment Calculation

Years 1-30

Principal & Interest

$1,072.57

Mortgage Insurance

+

172.68

Estimated Escrow

+

381.48

Am ount can increase over tim e

Estimated Total Monthly Payment

$1,626.73

Estimated Taxes, Insurance & Assessments

$381.48 Monthly

Am ount can increase over tim e See page 4 for details

This estimate includes

In escrow?

x Property Taxes

YES

x Homeowner’s Insurance

YES

Other: See Escrow Account on page 4 for details. You m ust pay for other property costs separately.

Costs at Closing Closing Costs

$12,334.04

Includes $8,108.78 in Loan Costs + $4,225.26 in Other Costs - $0 in Lender Credits. See page 2 for details.

Cash to Close

$2,953.04

Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

Page 1 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

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Closing Cost Details Borrower-Paid

Loan Costs

At Closing

A. Origination Charges

Before Closing

Paid by Others

$375.57 $395.00 $995.00

B. Services Borrower Did Not Shop For Appraisal Fee to Frigoletto & Associates Credit Report to Avantus Flood Certification to ServiceLink National Flood Mortgage Insurance Premium to US Dept of HUD

01 02 03 04 05 06 07 08 09 10

C. Services Borrower Did Shop For Title - Courier Fee Title - Lender's Title Insurance Title - Municipal Lien Fee Title - Settlement Fee Title - Wire Transfer Fee

Seller-Paid At Closing

$1,765.57

01 0.15 % of Loan Amount (Points) 02 Processing Fees 03 Underwriting Fees 04 05 06 07 08

01 02 03 04 05 06 07 08

Before Closing

$4,944.71 $450.00 $178.40 $10.00 $4,306.31

$1,398.50 to Law Offices of Suzan A. Messina, LLC to Chicago Title to Leominster Tax Clerk to Law Offices of Suzan A. Messina, LLC to Law Offices of Suzan A. Messina, LLC

D. TOTAL LOAN COSTS (Borrower-Paid) Loan Costs Subtotals (A + B + C)

$35.00 $627.50 $26.00 $675.00 $35.00

$8,108.78 $8,108.78

Other Costs E. Taxes and Other Government Fees 01 Recording Fees Deed: $159.50 Mortgage: $209.50 02 Transfer Taxes to Worcester ROD F. Prepaids 01 Homeowner's Insurance Premium (12 mo.) to GEICO 02 Mortgage Insurance Premium ( mo.)

03 Prepaid Interest ( $21.44 per day from 2/ 23/ 21 to 3/ 1/ 21 ) 04 Property Taxes (3 mo.) to County Tax Clerk - 2/ 1 05 G. Initial Escrow Payment at Closing 01 Homeowner's Insurance $66.92 per month for 3 mo.

02 Mortgage Insurance per month for mo.

03 Property Taxes $314.56 per month for 3 mo.

04 05 06 07 08 Aggregate Adjustment H. Other 01 Survey Fee to NE Land Survey 02 Title - Owner's Title Insurance (optional) to Chicago Title 03 04 05 06 07 08 I. TOTAL OTHER COSTS (Borrower-Paid) Other Costs Subtotals (E + F + G + H) J. TOTAL CLOSING COSTS (Borrower-Paid) Closing Costs Subtotals (D + I) Lender Credits

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

$493.00 $493.00 $1,185.60

$1,875.32 $803.00 $128.64 $943.68

$1,144.44 $200.76 $943.68

$0.00

$712.50 $125.00 $587.50

$4,225.26 $4,225.26

$12,334.04 $12,334.04

$1,185.60

Page 2 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

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Loan Terms

Calculating Cash to Close

Use this table to see what has changed from your Loan Estimate.

Loan Estimate

Final

Did this change?

$11,760.00

$12,334.04

YES

$0

$0

NO

-$4,306.00

-$4,306.00

NO

$8,925.00

$8,925.00

NO

Deposit

$0

-$9,000.00

YES

Funds for Borrower

$0

$0

-$5,000.00

-$5,000.00

NO

$0

$0

NO

$11,379.00

$2,953.04

Total Closing Costs (J)

Closing Costs Paid Before Closing Closing Costs Financed (Paid from your Loan Amount) Down Payment/Funds from Borrower

Seller Credits Adjustments and Other Credits Cash to Close

Summaries of Transactions

· You increased this payment. See Deposit in Section L L.

NO

Use this table to see a summary of your transaction.

BORROWER’S TRANSACTION K. Due from Borrower at Closing 01 Sale Price of Property 02 Sale Price of Any Personal Property Included in Sale 03 Closing Costs Paid at Closing (J) 04 Adjustments 05 06 07 Adjustments for Items Paid by Seller in Advance 08 City/Town Taxes to 09 County Taxes to 10 Assessments to 11 12 13 14 Principal Reduction 15 L. Paid Already by or on Behalf of Borrower at Closing 01 Deposit 02 Loan Amount 03 Existing Loan(s) Assumed or Taken Subject to 04 05 Seller Credit Other Credits 06 07 Adjustments 08 09 10 11 Adjustments for Items Unpaid by Seller 12 City/Town Taxes to 13 County Taxes to 14 Assessments to 15 16 17

SELLER’S TRANSACTION $267,334.04 $255,000.00 $12,334.04

$264,381.00 $9,000.00 $250,381.00

$5,000.00

CALCULATION

$255,000.00

M. Due to Seller at Closing 01 Sale Price of Property 02 Sale Price of Any Personal Property Included in Sale 03 04 05 06 07 08 Adjustments for Items Paid by Seller in Advance 09 City/Town Taxes to 10 County Taxes to 11 Assessments to 12 13 14 15 16 N. Due from Seller at Closing 01 Excess Deposit 02 Closing Costs Paid at Closing (J) 03 Existing Loan(s) Assumed or Taken Subject to 04 Payof of First Mortgage Loan 05 Payof of Second Mortgage Loan 06 07 08 Seller Credit 09 10 11 12 13 Adjustments for Items Unpaid by Seller 14 City/Town Taxes to 15 County Taxes to 16 Assessments to 17 18 19

$255,000.00

$6,185.60 $1,185.60

$5,000.00

CALCULATION

Total Due from Borrower at Closing (K) Total Paid Already by or on Behalf of Borrower at Closing (L)

Cash to Close

· See Total Loan Costs (D) and Total Other Costs (I) (I).

x

From

To Borrower

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

$267,334.04 -$264,381.00

$2,953.04

Total Due to Seller at Closing (M) Total Due from Seller at Closing (N)

Cash

From x To Seller

$255,000.00 -$6,185.60

$248,814.40

Page 3 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

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Additional Information About This Loan Loan Disclosures Assumption If you sell or transfer this property to another person, your lender x will allow, under certain conditions, this person to assume this loan on the original terms. will not allow assumption of this loan on the original terms.

Demand Feature Your loan has a demand feature, which permits your lender to require early repayment of the loan. You should review your note for details. x does not have a demand feature.

Late Payment If your payment is more than 15 days late, your lender will charge a late fee of 3% of the principal and interest overdue.

Negative Amortization (Increase in Loan Amount) Under your loan terms, you are scheduled to make monthly payments that do not pay all of the interest due that month. As a result, your loan amount will increase (negatively amortize), and your loan amount will likely become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. may have monthly payments that do not pay all of the interest due that month. If you do, your loan amount will increase (negatively amortize), and, as a result, your loan amount may become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. x do not have a negative amortization feature.

Partial Payments Your lender x may accept payments that are less than the full amount due (partial payments) and apply them to your loan. may hold them in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. does not accept any partial payments.

If this loan is sold, your new lender may have a diferent policy.

Security Interest You are granting a security interest in 45 Elm Hill Ave, Leominster, MA 01453

Escrow Account For now, your loan x will have an escrow account (also called an “impound” or “trust” account) to pay the property costs listed below. Without an escrow account, you would pay them directly, possibly in one or two large payments a year. Your lender may be liable for penalties and interest for failing to make a payment.

Escrow Escrowed Property Costs over Year 1

Estimated total amount over year 1 for

$6,095.76 your escrowed property costs: See attached page for additional inform ation

Non-Escrowed Property Costs over Year 1

Estimated total amount over year 1 for your non-escrowed property costs:

You may have other property costs.

Initial Escrow Payment Monthly

Escrow Payment

$1,144.44

A cushion for the escrow account you pay at closing. See Section G on page 2.

$554.16 The amount included in your total monthly payment.

will not have an escrow account because you declined it your lender does not ofer one. You must directly pay your property costs, such as taxes and homeowner’s insurance. Contact your lender to ask if your loan can have an escrow account.

No Escrow Estimated Property Costs over Year 1

Estimated total amount over year 1. You must pay these costs directly, possibly in one or two large payments a year.

Escrow Waiver Fee

In the future, Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may (1) impose ines and penalties or (2) place a tax lien on this property. If you fail to pay any of your property costs, your lender may (1) add the amounts to your loan balance, (2) add an escrow account to your loan, or (3) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer beneits than what you could buy on your own.

You may lose this property if you do not make your payments or satisfy other obligations for this loan.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

Page 4 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

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Other Disclosures

Loan Calculations Total of Payments. Total you will have paid after you make all payments of principal, interest, mortgage insurance, and loan costs, as scheduled.

$430,650.53

Finance Charge. The dollar amount the loan will cost you.

$178,987.63

Amount Financed. The loan amount available after paying your upfront inance charge.

$243,425.48

Annual Percentage Rate (APR). Your costs over the loan term expressed as a rate. This is not your interest rate.

4.201 %

Total Interest Percentage (TIP). The total amount of interest that you will pay over the loan term as a percentage of your loan amount.

?

54.267 %

Questions? If you have questions about the loan terms or costs on this form, use the contact information below. To get more information or make a complaint, contact the Consumer Financial Protection Bureau at www.consumerinance.gov/mortgage-closing

Appraisal If the property was appraised for your loan, your lender is required to give you a copy at no additional cost at least 3 days before closing. If you have not yet received it, please contact your lender at the information listed below.

Contract Details See your note and security instrument for information about • what happens if you fail to make your payments, • what is a default on the loan, • situations in which your lender can require early repayment of loan, and • the rules for making payments before they are due.

Liability after Foreclosure If your lender forecloses on this property and the foreclosure does not cover the amount of unpaid balance on this loan, x state law may protect you from liability for the unpaid balance. If you refinance or take on any additional debt on this property, you may lose this protection and have to pay any debt remaining even after foreclosure. You may want to consult a lawyer for more information. state law does not protect you from liability for the unpaid balance.

Refinance Refinancing this loan will depend on your future financial situation, the property value, and market conditions. You may not be able to refinance this loan.

Tax Deductions If you borrow more than this property is worth, the interest on the loan amount above this property’s fair market value is not deductible from your federal income taxes. You should consult a tax advisor for more information.

Contact Information Lender

Mortgage Broker

Real Estate Broker (B)

Real Estate Broker (S)

Settlement Agent

Name

Total Mortgage Services, LLC

Keller Williams Realty North Central

RE/ MAX Encore

Law Offices of Suzan A. Messina

Address

185 Plains Rd Milford, CT 06461

670 Mechanic Street Leominster, MA 01453

314 Main St STE 107 Wilmington, MA 01887

50 Nashua Road, Suite 213 Londonderry, NH 03053

NMLS ID

2764

MA License ID

2764

7740

9028412

687771

Contact

Denise Ann Peach

Jeannie Murawski

Ellen Bartnicki

Christopher Carreira

Contact NMLS ID

41008

Contact MA License ID

MLO41008

9540364

9028412

19050

Email

dpeach@totalmortgage. com

Jeanne@ HomesJustForYou.com

ebartnicki@comcast.net

closings@ messinalawoffice.com

Phone

978-807-3370

978-855-3307

978-604-4683

603-437-8004

Confirm Receipt 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 received this form. ＲＯＱＹＯＲＰＲＱ

Applicant Signature CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

Date Page 5 of 5 · LOAN ID # 2101031551 GTRIDCDWSS (POD)

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Addendum to Closing Disclosure Settlement Agent

This form is a continued statement of inal loan terms and closing costs.

Law Offices of Suzan A. Messina

Additional Information About This Loan

Loan Disclosures Escrow Account Escrow Escrowed Property Costs over Year 1

$6,095.76 Estimated total amount over year 1 for your escrowed property costs: Property Taxes, Homeowner's Insurance, Mortgage Insurance

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 02/ 19/ 2021 11:01 AM PST

LOAN ID # 2101031551 GTRIDCDWSS (POD)

FHA 10K down

Dear Dylan, Congratulations! Your expected closing date is approaching and your loan is getting closer to being fully approved. Enclosed you will find a Closing Disclosure that details the expected transaction terms for your mortgage loan. The Truth in Lending Act requires that you receive this disclosure at least three business days before you sign your final loan documents.

While your loan may be fully approved at this time, this document does not represent a closing commitment by you or us, nor does it guarantee that the loan is fully approved. Receiving this loan disclosure does mean we have enough documentation at this time to deliver this document with a full and accurate picture of the anticipated loan. Your loan officer will continue to communicate the loan status to you and let you know if anything additional is needed.

Your loan officer should also be communicating to you if there are any funds due at closing and if there are, this document will give you the most accurate picture of that. Although unexpected, if there are any major changes made to your loan as requested by you or the seller, we may need to provide you with an updated closing disclosure and closing won’t be able to occur for 3 business days thereafter. Between now and closing, we may need to make minor adjustments to the closing figures on this document if things like real estate taxes or homeowners insurance or similar items change. If that happens, we will send an updated closing disclosure with accurate and final figures but these minor changes will not result in a delay to your closing.

If you have any questions about this document, please do not hesitate to call me. I look forward to working with you further to get your mortgage loan fully approved and ready for closing. Thank you for choosing Veterans United Home Loans.

Sincerely, Tyson Brockmeier Loan Officer NMLS 1278273 Tyson.Brockmeier@veteransunited.com 800-814-1103 3103 Loan Number: 400221104096246 Veterans United Home Loans1907

Consumer Financial Protection Bureau 1700 G Street NW Washington DC, 20522

Federal Trade Commission Equal Credit Opportunity Washington, DC 20580

Veterans United Home Loans(NMLS #1907) is a VA approved lender, but is not affiliated with the VA or any government agency. www.nmlsconsumeraccess.org

Changed Circumstance Worksheet Date(s): Loan Number: Borrower Name(s): Property Address: Date of Change: Date of Re-disclosure:

09/14/2021 400221104096246 Dylan Bryant 24 Halford St Gardner, MA 01440 09/14/2021 09/14/2021

Details of Changed Circumstance: Closing Disclosure - Info Only

Changes associated with Changed Circumstance: Item

Previous

New

Item

Previous

New

Owner's Title Pest Inspection Recording Changes Title Services & LTP

$566.50 $85.00 $440.00 $695.00

$501.25 $0.00 $475.00 $2285.00

Unrelated Changes:

This notification is given by us on behalf of

Veterans United Home Loans 4700 S. Providence Road Columbia, MO 65203 Office: Columbia NMLS: 1907

Page 1 of 1

VA 10K down 3K seller contribution This form is a statement of inal loan terms and closing costs. Compare this document with your Loan Estimate.

Closing Disclosure Closing Information

Transaction Information

Loan Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property

Borrower Dylan Bryant 50 Crawford St Apt 2 Gardner, MA 01440 Seller Scott Martini 24 Halford St Gardner, MA 01440 Lender Mortgage Research Center, LLC dba Veterans United Home Loans

Loan Term 30 years Purpose Purchase Product Fixed Rate

Sale Price

9/ 14/ 2021 9/ 20/ 2021 9/ 20/ 2021 Law Offices of David L DL21 167 24 Halford St Gardner, MA 01440 $261,000

Loan Type x

Loan ID # MIC #

Conventional VA

FHA

400221104096246 73-73-6-0878589

Can this amount increase after closing?

Loan Terms Loan Amount

$267,003

NO

Interest Rate

3.125 %

NO

Monthly Principal & Interest

$1,143.78

NO

See Projected Paym ents below for your Estim ated Total Monthly Paym ent

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments Payment Calculation

Years 1-30

Principal & Interest

$1,143.78

Mortgage Insurance

+

0

Estimated Escrow

+

374.57

Am ount can increase over tim e

Estimated Total Monthly Payment

$1,518.35

Estimated Taxes, Insurance & Assessments

$374.57 Monthly

Am ount can increase over tim e See page 4 for details

This estimate includes

In escrow?

x Property Taxes

SOME

x Homeowner’s Insurance

YES

Other: See Escrow Account on page 4 for details. You m ust pay for other property costs separately.

Costs at Closing Closing Costs

$15,548.87

Includes $11,483.03 in Loan Costs + $4,065.84 in Other Costs - $0 in Lender Credits. See page 2 for details.

Cash to Close

-$3,883.46

Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

Page 1 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

Closing Cost Details Borrower-Paid

Loan Costs A. Origination Charges 01 % of Loan Amount (Points) 02 Origination Fee 03 04 05 06 07 08

B. Services Borrower Did Not Shop For to JEFFREY HICKOX to Dept. of Veteran Affairs

01 Appraisal Fee 02 VA Funding Fee 03 04 05 06 07 08 09 10

C. Services Borrower Did Shop For Title - Courier/ Messenger Fees to Law Office of David L Lebwith Title - Document Preparation Feesto Law Office of David L Lebwith Title - Lender's Title Insurance to Fidelity National Title Insurance Title - Municipal Lien Certificate to Law Office of David L Lebwith Title - Settlement Fee to Law Office of David L Lebwith Title - Title Examination to Law Office of David L Lebwith Title - Title Survey to Law Office of David L Lebwith

01 02 03 04 05 06 07 08

D. TOTAL LOAN COSTS (Borrower-Paid) Loan Costs Subtotals (A + B + C)

At Closing

Seller-Paid

Before Closing

At Closing

Before Closing

Paid by Others

$2,670.03 $2,670.03

$6,528.00 $525.00 $6,003.00

$2,285.00 $40.00 $100.00 $670.00 $50.00 $600.00 $675.00 $150.00

$11,483.03 $10,958.03

$525.00

Other Costs E. Taxes and Other Government Fees 01 Recording Fees Deed: $155.00 Mortgage: $205.00 02 State Tax/ Stamps to Deed $1190.16 F. Prepaids 01 Homeowner's Insurance Premium (12 mo.) to Homesite Insurance Company 02 Mortgage Insurance Premium ( mo.)

03 Prepaid Interest ( $22.86 per day from 9/ 20/ 21 to 10/ 1/ 21 ) 04 Property Taxes ( mo.)

05 City Taxes - Payment (3 mo.)

G. Initial Escrow Payment at Closing 01 Homeowner's Insurance $101.33 per month for 3 mo.

02 Mortgage Insurance per month for mo.

03 Property Taxes per month for mo.

04 City Property Tax $273.24 per month for 2 mo.

05 06 07 08 Aggregate Adjustment H. Other 01 Real Estate Commission to The O'Rourke Group Real Estate 02 Real Estate Commission to Keller Williams Realty North 03 Title - Owner's Title Insurance (optional) to Fidelity National Title Insurance 04 05 06 07 08 I. TOTAL OTHER COSTS (Borrower-Paid) Other Costs Subtotals (E + F + G + H) J. TOTAL CLOSING COSTS (Borrower-Paid) Closing Costs Subtotals (D + I) Lender Credits

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

$475.00 $475.00 $1,190.16

$2,340.45 $1,216.00 $251.46 $872.99

$749.14 $303.99

$546.48

-$101.33

$501.25 $6,450.00 $6,450.00 $501.25

$4,065.84 $4,065.84

$15,548.87 $15,023.87 $0.00

$525.00

$14,090.16

Page 2 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

Loan Terms Calculating Cash to Close

Use this table to see what has changed from your Loan Estimate.

Loan Estimate

Total Closing Costs (J)

Final

Did this change?

$13,033.00

$15,548.87

YES

· See Total Loan Costs (D) and Total Other Costs (I) (I).

$0

-$525.00

YES

· You paid these Closing Costs before closing.

-$6,003.00

-$6,003.00

NO

$0

$0

NO

-$10,000.00

-$10,000.00

NO

$0

$0

NO

Closing Costs Paid Before Closing Closing Costs Financed (Paid from your Loan Amount) Down Payment/Funds from Borrower Deposit Funds for Borrower Seller Credits Adjustments and Other Credits Cash to Close

Summaries of Transactions

$0

-$3,000.00

YES

· See Seller-Paid column on page 2 and Seller Credits in Section L L.

$887.00

$95.67

YES

· See details in Section K and Section L.

-$2,083.00

-$3,883.46

Use this table to see a summary of your transaction.

BORROWER’S TRANSACTION K. Due from Borrower at Closing 01 Sale Price of Property 02 Sale Price of Any Personal Property Included in Sale 03 Closing Costs Paid at Closing (J) 04 Land Adjustments 05 Debts to be paid 06 Principal Reduction 07 Adjustments for Items Paid by Seller in Advance 08 City/Town Taxes 09/ 20/ 21 to 09/ 30/ 21 09 County Taxes to 10 Assessments to School Taxes 11 12 13 14 15 L. Paid Already by or on Behalf of Borrower at Closing 01 Deposit 02 Loan Amount 03 Existing Loan(s) Assumed or Taken Subject to 04 Realtor Credit 05 Seller Credit Other Credits 06 07 Adjustments 08 09 10 Adjustments and Other Credits 11 Subordinate Financing Adjustments for Items Unpaid by Seller 12 City/Town Taxes to 13 County Taxes to 14 Assessments to 15 School Taxes 16 17

SELLER’S TRANSACTION $276,119.54 $261,000.00 $15,023.87

$95.67

$280,003.00 $10,000.00 $267,003.00

$3,000.00

CALCULATION

01 Sale Price of Property 02 Sale Price of Any Personal Property Included in Sale 03 04 05 06 07 08 Adjustments for Items Paid by Seller in Advance 09 City/Town Taxes 09/ 20/ 21 to 09/ 30/ 21 10 County Taxes to 11 Assessments to 12 School Taxes 13 14 15 16

$261,000.00

N. Due from Seller at Closing 01 Excess Deposit 02 Closing Costs Paid at Closing (J) 03 Existing Loan(s) Assumed or Taken Subject to 04 Payof of First Mortgage Loan 05 Payof of Second Mortgage Loan 06 07 Seller Credit for Closing Costs 08 Seller Credit 09 Seller Credit for Customary Fees 10 11 12 13 Adjustments for Items Unpaid by Seller 14 City/Town Taxes to 15 County Taxes to 16 Assessments to 17 School Taxes 18 19

$17,090.16

$95.67

$14,090.16

$3,000.00

CALCULATION

Total Due from Borrower at Closing (K) Total Paid Already by or on Behalf of Borrower at Closing (L)

Cash to Close

$261,095.67

M. Due to Seller at Closing

From x To Borrower

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

$276,119.54 -$280,003.00

$3,883.46

Total Due to Seller at Closing (M) Total Due from Seller at Closing (N)

Cash

From x To Seller

$261,095.67 -$17,090.16

$244,005.51

Page 3 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

Additional Information About This Loan Loan Disclosures Assumption If you sell or transfer this property to another person, your lender x will allow, under certain conditions, this person to assume this loan on the original terms. will not allow assumption of this loan on the original terms.

Demand Feature Your loan has a demand feature, which permits your lender to require early repayment of the loan. You should review your note for details. x does not have a demand feature.

Late Payment If your payment is more than 15 days late, your lender will charge a late fee of 3% of the principal and interest overdue.

Negative Amortization (Increase in Loan Amount) Under your loan terms, you are scheduled to make monthly payments that do not pay all of the interest due that month. As a result, your loan amount will increase (negatively amortize), and your loan amount will likely become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. may have monthly payments that do not pay all of the interest due that month. If you do, your loan amount will increase (negatively amortize), and, as a result, your loan amount may become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. x do not have a negative amortization feature.

Partial Payments Your lender may accept payments that are less than the full amount due (partial payments) and apply them to your loan. x may hold them in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. does not accept any partial payments.

If this loan is sold, your new lender may have a diferent policy.

Security Interest You are granting a security interest in 24 Halford St, Gardner, MA 01440

Escrow Account For now, your loan x will have an escrow account (also called an “impound” or “trust” account) to pay the property costs listed below. Without an escrow account, you would pay them directly, possibly in one or two large payments a year. Your lender may be liable for penalties and interest for failing to make a payment.

Escrow Escrowed Property Costs over Year 1

Estimated total amount over year 1 for

$4,120.27 your escrowed property costs: Hom eowner's Insurance, City Property Tax

Non-Escrowed Property Costs over Year 1

Estimated total amount over year 1 for your non-escrowed property costs:

You may have other property costs.

Initial Escrow Payment Monthly

Escrow Payment

$749.14

A cushion for the escrow account you pay at closing. See Section G on page 2.

$374.57 The amount included in your total monthly payment.

will not have an escrow account because you declined it your lender does not ofer one. You must directly pay your property costs, such as taxes and homeowner’s insurance. Contact your lender to ask if your loan can have an escrow account.

No Escrow Estimated Property Costs over Year 1

Estimated total amount over year 1. You must pay these costs directly, possibly in one or two large payments a year.

Escrow Waiver Fee

In the future, Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may (1) impose ines and penalties or (2) place a tax lien on this property. If you fail to pay any of your property costs, your lender may (1) add the amounts to your loan balance, (2) add an escrow account to your loan, or (3) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer beneits than what you could buy on your own.

You may lose this property if you do not make your payments or satisfy other obligations for this loan.

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

Page 4 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

Other Disclosures

Loan Calculations Total of Payments. Total you will have paid after you make all payments of principal, interest, mortgage insurance, and loan costs, as scheduled.

$423,492.67

Finance Charge. The dollar amount the loan will cost you.

$154,399.67

Amount Financed. The loan amount available after paying your upfront inance charge.

$257,358.51

Annual Percentage Rate (APR). Your costs over the loan term expressed as a rate. This is not your interest rate.

3.417 %

Total Interest Percentage (TIP). The total amount of interest that you will pay over the loan term as a percentage of your loan amount.

?

54.309 %

Questions? If you have questions about the loan terms or costs on this form, use the contact information below. To get more information or make a complaint, contact the Consumer Financial Protection Bureau at www.consumerinance.gov/mortgage-closing

Appraisal If the property was appraised for your loan, your lender is required to give you a copy at no additional cost at least 3 days before closing. If you have not yet received it, please contact your lender at the information listed below.

Contract Details See your note and security instrument for information about • what happens if you fail to make your payments, • what is a default on the loan, • situations in which your lender can require early repayment of loan, and • the rules for making payments before they are due.

Liability after Foreclosure If your lender forecloses on this property and the foreclosure does not cover the amount of unpaid balance on this loan, x state law may protect you from liability for the unpaid balance. If you refinance or take on any additional debt on this property, you may lose this protection and have to pay any debt remaining even after foreclosure. You may want to consult a lawyer for more information. state law does not protect you from liability for the unpaid balance.

Refinance Refinancing this loan will depend on your future financial situation, the property value, and market conditions. You may not be able to refinance this loan.

Tax Deductions If you borrow more than this property is worth, the interest on the loan amount above this property’s fair market value is not deductible from your federal income taxes. You should consult a tax advisor for more information.

Contact Information Lender

Mortgage Broker

Real Estate Broker (B)

Real Estate Broker (S)

Settlement Agent

Name

Veterans United Home Loans

Keller Williams Realty North Central Leominster

Law Offices of David L Lebwith

Address

4700 S. Providence Road Columbia, MO 65203

670 Mechanic Street Leominster, MA 01453

140 Wood Road, Suite 400 Braintree, MA 02184

NMLS ID

1907

-

-

MA License ID

Mortgage Lender and Broker # - MC1907

7740

-

Contact

Tyson Brockmeier

Jeanne Murawski

David L Lebwith

Contact NMLS ID

1278273

-

-

Contact MA License ID

MLO1278273

9540364

567405

Email

Tyson.Brockmeier@ veteransunited.com

jeanne@ homesjustforyou.com

dlebwith@lebwithlaw. com

Phone

800-814-1103 3103

978-840-9000

617-745-6512

Confirm Receipt 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 received this form.

Dylan Bryant CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

Date Page 5 of 5 · LOAN ID # 400221104096246 GTRIDCDWSS (POD)

Addendum to Closing Disclosure Settlement Agent

This form is a continued statement of inal loan terms and closing costs.

Law Offices of David L Lebwith

CLOSING DISCLOSURE • GTRIDCDWS_S 0617 09/ 14/ 2021 12:53 PM PST

LOAN ID # 400221104096246 GTRIDCDWSS (POD)