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Closing Disclosure - signed 8-6-21

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                                                                               310 E. Greenlawn Court
                                                                                              Suite 200
                                                                                 Columbus, OH 43215

Greenlawn Title Agency                                                                 (614) 555-0177
                                                                                greenlawntitle.example




Closing Disclosure
This form is a statement of final loan terms and closing costs.

 Closing information

 Date issued                                                                          08/03/2021

 Closing date                                                                         08/06/2021

 Disbursement date                                                                    08/06/2021

 Settlement agent                                                        Greenlawn Title Agency

 File number                                                                        GT-21-04417

 Property                                           2714 Quillfeather Lane, Westerville, OH 43081

 Sale price                                                                          $385,000.00


 Transaction
 information

 Borrowers                        Leah M. Brandvold and Marcus D. Adeyemi, 1186 Tamsin Court,
                                                                        Columbus, OH 43214

 Sellers                                             Howard P. Sturgess and Colleen M. Sturgess

 Lender                                                                   Tessaly Home Lending


 Loan information

 Loan term                                                                                30 years

 Purpose                                                                                 Purchase

 Product                                                                                Fixed rate

 Loan type                                                                          Conventional

 Loan ID                                                                        0047-338-21965

 First payment                                                                        09/01/2021

 Maturity date                                                                        08/01/2051
Loan terms
                                                            Can this amount increase after closing?

 Loan amount                       $346,500.00                                                      No

 Interest rate                     2.875%                                                           No

 Monthly principal and interest    $1,437.60                                                        No

 Prepayment penalty                                No. There is no penalty for paying the loan off early

 Balloon payment                                                                                    No


Projected payments
                                                           Years 1 to 6                  Years 7 to 30

 Principal and interest                                    $1,437.60                         $1,437.60

 Mortgage insurance                                        $57.75                                 none

 Estimated escrow                                          $608.33                             $608.33

 Estimated total monthly payment                           $2,103.68                         $2,045.93

Estimated taxes, insurance and assessments: $653.33 a month. Property taxes and
homeowner's insurance are in escrow. Homeowners association dues ($45.00 a month, billed
quarterly) are not in escrow and are paid separately.

Costs at closing

 Closing costs                                                                               $8,987.88

 Cash to close                                                                              $37,773.28


Closing cost details
 Loan costs                                                                                  Borrower
                                                                                                  paid

 A. Origination charges: underwriting and processing fee                                     $1,195.00

 B. Services borrower did not shop for: appraisal $525.00, credit report $38.00, flood         $660.00
 determination $12.00, tax service $85.00

 C. Services borrower did shop for: lender's title policy $765.00, settlement fee            $1,795.00
 $495.00, title search and exam $310.00, survey $225.00

 D. Total loan costs (A + B + C)                                                             $3,650.00
 Other costs                                                                                  Borrower
                                                                                                   paid

 E. Taxes and government fees: recording fees, deed and mortgage                               $164.00

 F. Prepaids: homeowner's insurance premium, 12 months, to Harborline Mutual                  $1,181.55
 Insurance $1,318.00; interest credit at $27.29 a day from 08/01/2021 to 08/06/2021,
 -$136.45

 G. Initial escrow payment: homeowner's insurance $109.83 x 3 months, $329.49;                $2,602.33
 property taxes $498.50 x 5 months, $2,492.50; aggregate adjustment -$219.66

 H. Other: owner's title policy (optional) $1,120.00; capital contribution to Quillfeather    $1,390.00
 Commons HOA $270.00

 I. Total other costs (E + F + G + H)                                                         $5,337.88

 J. Total closing costs (D + I)                                                               $8,987.88

A one-year home warranty ($485.00) was paid by the sellers.

Calculating cash to close

 Total closing costs (J)                                                                      $8,987.88

 Down payment                                                                                $38,500.00

 Deposit (earnest money)                                                                     -$5,000.00

 Seller credits                                                                              -$3,500.00

 Adjustments and other credits (county taxes 01/01/2021 to 08/06/2021)                       -$1,214.60

 Cash to close                                                                               $37,773.28


Loan disclosures
   Assumption. If you sell or transfer this property, your lender will not allow assumption of
   this loan on the original terms.
   Late payment. If your payment is more than 15 days late, your lender will charge a late fee
   of 5% of the overdue payment of principal and interest.
   Negative amortization. This loan does not have a negative amortization feature.
   Escrow account. Your loan will have an escrow account for property taxes and
   homeowner's insurance.
   Mortgage insurance. You may ask in writing to cancel mortgage insurance when the
   principal balance reaches 80% of the original value of the property ($308,000.00). It ends
   automatically at 78% ($300,300.00).

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Record

Closing Disclosure - signed 8-6-21 Document · saved Aug 10, 2021

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The record values this file is made from: the ones its text names with {{record.field}}, and the fields its template reads. A value here is in the file's source; whether it is readable depends on the look.

ValueNow
mortgage-house.start_date 2021-08-06
mortgage-house.account_number 0047-338-21965
mortgage-house.end_date 2051-08-01

The values at render time were not recorded: the file was rendered before files/rendered.json existed. Rendering it again records them.

Planted

only_in_file Cash to close ($37,773.28), the seller credit and "no prepayment penalty" are only in the closing disclosure. The escrow balance and late fee are only on the mortgage statement. The life policy's beneficiaries are only on its schedule. Marcus's cholesterol and A1c values are only on the lab report. Nora's grades and absences are only on the report card. The August 3 deadline is only in the school nurse's letter. The 2025 refund is only in the accountant's letter. The office and specialist copays are only on the picture of the insurance card.

attachments.yaml 
record: doc-closing-disclosure
template: document
style: statement
org:
  name: Greenlawn Title Agency
  lines:
  - 310 E. Greenlawn Court
  - Suite 200
  - Columbus, OH 43215
  phone: '6145550177'
  web: greenlawntitle.example
  color: '#2b3a4a'
title: Closing Disclosure
body: 'This form is a statement of final loan terms and closing costs.


  | Closing information | |

  |---|---|

  | Date issued | 08/03/2021 |

  | Closing date | {{mortgage-house.start_date|mdy}} |

  | Disbursement date | {{mortgage-house.start_date|mdy}} |

  | Settlement agent | Greenlawn Title Agency |

  | File number | GT-21-04417 |

  | Property | 2714 Quillfeather Lane, Westerville, OH 43081 |

  | Sale price | $385,000.00 |


  | Transaction information | |

  |---|---|

  | Borrowers | Leah M. Brandvold and Marcus D. Adeyemi, 1186 Tamsin Court, Columbus, OH 43214 |

  | Sellers | Howard P. Sturgess and Colleen M. Sturgess |

  | Lender | Tessaly Home Lending |


  | Loan information | |

  |---|---|

  | Loan term | 30 years |

  | Purpose | Purchase |

  | Product | Fixed rate |

  | Loan type | Conventional |

  | Loan ID | {{mortgage-house.account_number}} |

  | First payment | 09/01/2021 |

  | Maturity date | {{mortgage-house.end_date|mdy}} |


  ## Loan terms


  | | | Can this amount increase after closing? |

  |---|---|---|

  | Loan amount | $346,500.00 | No |

  | Interest rate | 2.875% | No |

  | Monthly principal and interest | $1,437.60 | No |

  | Prepayment penalty | | No. There is no penalty for paying the loan off early |

  | Balloon payment | | No |


  ## Projected payments


  | | Years 1 to 6 | Years 7 to 30 |

  |---|---|---|

  | Principal and interest | $1,437.60 | $1,437.60 |

  | Mortgage insurance | $57.75 | none |

  | Estimated escrow | $608.33 | $608.33 |

  | **Estimated total monthly payment** | **$2,103.68** | **$2,045.93** |


  Estimated taxes, insurance and assessments: $653.33 a month. Property taxes and homeowner''s insurance
  are in escrow. Homeowners association dues ($45.00 a month, billed quarterly) are not in escrow and
  are paid separately.


  ## Costs at closing


  | | |

  |---|---|

  | Closing costs | $8,987.88 |

  | **Cash to close** | **$37,773.28** |


  ## Closing cost details


  | Loan costs | Borrower paid |

  |---|---|

  | A. Origination charges: underwriting and processing fee | $1,195.00 |

  | B. Services borrower did not shop for: appraisal $525.00, credit report $38.00, flood determination
  $12.00, tax service $85.00 | $660.00 |

  | C. Services borrower did shop for: lender''s title policy $765.00, settlement fee $495.00, title search
  and exam $310.00, survey $225.00 | $1,795.00 |

  | **D. Total loan costs (A + B + C)** | **$3,650.00** |


  | Other costs | Borrower paid |

  |---|---|

  | E. Taxes and government fees: recording fees, deed and mortgage | $164.00 |

  | F. Prepaids: homeowner''s insurance premium, 12 months, to Harborline Mutual Insurance $1,318.00;
  interest credit at $27.29 a day from 08/01/2021 to 08/06/2021, -$136.45 | $1,181.55 |

  | G. Initial escrow payment: homeowner''s insurance $109.83 x 3 months, $329.49; property taxes $498.50
  x 5 months, $2,492.50; aggregate adjustment -$219.66 | $2,602.33 |

  | H. Other: owner''s title policy (optional) $1,120.00; capital contribution to Quillfeather Commons
  HOA $270.00 | $1,390.00 |

  | **I. Total other costs (E + F + G + H)** | **$5,337.88** |

  | **J. Total closing costs (D + I)** | **$8,987.88** |


  A one-year home warranty ($485.00) was paid by the sellers.


  ## Calculating cash to close


  | | |

  |---|---|

  | Total closing costs (J) | $8,987.88 |

  | Down payment | $38,500.00 |

  | Deposit (earnest money) | -$5,000.00 |

  | Seller credits | -$3,500.00 |

  | Adjustments and other credits (county taxes 01/01/2021 to 08/06/2021) | -$1,214.60 |

  | **Cash to close** | **$37,773.28** |


  ## Loan disclosures


  - **Assumption.** If you sell or transfer this property, your lender will not allow assumption of this
  loan on the original terms.

  - **Late payment.** If your payment is more than 15 days late, your lender will charge a late fee of
  5% of the overdue payment of principal and interest.

  - **Negative amortization.** This loan does not have a negative amortization feature.

  - **Escrow account.** Your loan will have an escrow account for property taxes and homeowner''s insurance.

  - **Mortgage insurance.** You may ask in writing to cancel mortgage insurance when the principal balance
  reaches 80% of the original value of the property ($308,000.00). It ends automatically at 78% ($300,300.00).

  '