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To be completed by the Lender: ------------------------------ ------------------------------------------------------------------------ Lender Loan No./Universal Loan 7110001805 / Identifier 549300RWXUAFD1WAE410-7110001805-44 -----------------------------------...

To be completed by the Lender: ------------------------------ ------------------------------------------------------------------------ Lender Loan No./Universal Loan 7110001805 / Identifier 549300RWXUAFD1WAE410-7110001805-44 ----------------------------------- ------------------------------------ Agency Case No. ------------------------------------------------------------------------ Uniform Residential Loan Application ------------------------------------ Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender. \#\#\# Section 1: Borrower Information This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan. Purpose: to get ahead of disease together \#\#\#\# 1a. Personal Information For health impact, shareholder returns and thriving people \|Social Security Number\|244-75-7808\| \|---\|---\| \|Name (First, Middle, Last, Suffix)\|Rachel W Boone\| \|Alternate Names\|RACHEL D WASHBURN, RACHEL BOONE, RACHEL W BOONE, RACHEL WASHBURN BOONE\| \|Date of Birth\|04/13/1993\| \|Citizenship\|U.S. Citizen\| \|Type of Credit\|I am applying for individual credit.\| \|Marital Status\|Married\| \|Dependents\|Number: 2, Ages: 6, 2\| \|Contact Information\|Home Phone: (828) 442-2312, Cell Phone: (828) 442-2312, Work Phone: (828) 431-5600 Ext., Email: rboone413\@gmail.com\| \|Current Address\|Street: 172 Patrick Murphy Dr Unit 28, City: Morganton, State: NC, ZIP: 28655, Country: United States\| \|How Long at Current Address?\|0 Years 3 Months, Housing: No primary housing expense, Own, Rent ([\$1,900.00/month)\| \|Former Address\|Street: 307 Blue Ridge Drive South \#Unit 7, City: Marion, State: NC, ZIP: 28752, Country: United States\| \|How Long at Former Address?\|3 Years 1 Month, Housing: No primary housing expense, Own, Rent (\$]{.math.inline} /month)\| \|Mailing Address\|Does not apply\| \#\# Borrower Name: Rachel W Boone Uniform Residential Loan Application ------------------------------------ Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 1 of 11 --- \#\# 1b. Current Employment/Self-Employment and Income \|Employer or Business Name\|Charles George VA Medical Center\|Phone\|(828) 431-5600\| \|---\|---\|---\|---\| \|Street\|2440 Century Pl SE\|Unit \#\| \| \|City\|Hickory\|State\|NC\|ZIP\|28602\|Country\|United States\| \|Position or Title\|PA\| \| \| \|Start Date\|01/02/2024 (mm/dd/yyyy)\| \| \| \|How long in this line of work?\|3 Years 6 Months\| \| \| \|Check if you are the Business Owner or Self-Employed\|I have an ownership share of less than 25%.\| \| \| \| \| \|Monthly Income (or Loss)\| \| \| \| \|Base\|[11, 769.33/*month*\|\|\|\|*Overtime*\|]{.math.inline} /month\| \| \| \|Bonus\|\$ /month\| \| \| \|Commission\|\$ /month\| \|Military Entitlements\|\$ /month\| \| \| \| \| \|Other\|[11, 769.33/*month*\|\|\|\|*TOTAL*\|]{.math.inline} /month\| \#\# 1c. IF APPLICABLE, Complete Information for Additional Employment/Self- Employment and Income Does not apply \#\# 1d. IF APPLICABLE, Complete Information for Previous Employment/Self- Employment and Income Does not apply Provide at least 2 years of current and previous employment and income. \|Employer or Business Name\|Comprehensive Pain Consultants of the Carolina\| \|---\|---\| \|Street\|31 California Ave\|Unit \#\| \| \|City\|Marion\|State\|NC\|ZIP\|28752\|Country\|United States\| \|Position or Title\|PA\| \|Start Date\|07/05/2020 (mm/dd/yyyy)\| \|End Date\|12/31/2023 (mm/dd/yyyy)\| \|Check if you were the Business Owner or Self-Employed\| \| \#\# 1e. Income from Other Sources Does not apply Include income from other sources below. Under Income Source, choose from the sources listed here: - Alimony - Child Support - Interest and Dividends - Notes Receivable - Royalty Payments - Unemployment - Automobile Allowance - Disability - Mortgage Credit Certificate - Public Assistance - Separate Maintenance Benefits - Boarder Income - Foster Care - Mortgage Differential - Retirement (e.g., Pension, IRA) - Social Security - VA Compensation - Trust - Other \#\# Section 2: Financial Information - Assets and Liabilities This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses. \#\# 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have \|Account Type\|Financial Institution\|Account Number\|Cash or Market Value\| \|---\|---\|---\|---\| \|Savings\|Baxter Credit Union\|1383-01\|\$101.49\| \|Savings\|Baxter Credit Union\|1383-12\|\$61,978.21\| \|Checking\|Baxter Credit Union\|1383-70\|\$553.26\| \|Provide TOTAL Amount Here\| \| \|\$62,632.96\| \#\# 2b. Other Assets and Credits You Have Does not apply Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 2 of 11 --- \#\# Assets \|Assets\|Credits\| \|---\|---\| \|Proceeds from Real Estate Property to be sold on or before closing\|Proceeds from Sale of Non-Real Estate Asset\| \|Unsecured Borrowed Funds\|Credits\| \|Earnest Money\|Relocation Funds\| \|Sweat Equity\| \| \#\# Asset or Credit Type \|Asset or Credit Type\|Cash or Market Value\| \|---\|---\| \|Earnest Money\|\$1,000.00\| \|Other Specify DD\|\$1,000.00\| \|Provide TOTAL Amount Here\|\$2,000.00\| \#\# Liabilities \#\#\# 2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe \|Account Type\|Company Name\|Account Number\|Unpaid Balance\|To be paid off at or before closing\|Monthly Payment\| \|---\|---\|---\|---\|---\|---\| \|Installment\|DEPT OF EDUCATION NELN\|900000677999611\|\$47,960.00\| \|\$479.60\| \|Installment\|FST CIT BK\|910009579608\|\$33,489.00\| \|\$663.00\| \|Installment\|DEPT OF EDUCATION NELN\|900000678000011\|\$32,550.00\| \|\$325.50\| \|Installment\|EDUCATION/NELN DEPT OF\|900000677999411\|\$22,472.00\| \|\$224.72\| \|Installment\|DEPT OF EDUCATION/NELN\|900000677999711\|\$8,543.00\| \|\$85.43\| \|Installment\|DEPT OF EDUCATION/NELN\|900000677999811\|\$8,386.00\| \|\$83.86\| \|Installment\|EDUCATION/NELN DEPT OF\|900000678000211\|\$8,068.00\| \|\$80.68\| \|Installment\|DEPT OF EDUCATION/NELN\|900000678000111\|\$7,428.00\| \|\$74.28\| \|Installment\|EDUCATION/NELN DEPT OF\|900000677999911\|\$4,959.00\| \|\$49.59\| \|Installment\|DEPT OF EDUCATION/NELN\|900000677999511\|\$4,856.00\| \|\$48.56\| \|Installment\|EDUCATION DEPT OF NELN\|900000677999111\|\$3,017.00\| \|\$30.17\| \|Installment\|DEPT OF EDUCATION/NELN\|900000677998911\|\$2,878.00\| \|\$28.78\| \|Installment\|EDUCATION/NELN DEPT OF\|900000677999211\|\$2,566.00\| \|\$25.66\| \|Installment\|DEPT OF EDUCATION/NELN\|900000677999311\|\$2,422.00\| \|\$24.22\| \|Revolving\|EDUCATION/NELN SYNCB/AMAZON\|6045781621406940\|\$1,148.00\| \| \$33.00\| \|Revolving\|STATE EMPLOYEES CU/PSC\|4046571234902862\|\$603.00\| \|\$25.00\| \#\#\# 2d. Other Liabilities and Expenses Does not apply \#\# Other Liabilities and Expenses \|Alimony\|Child Support\|Separate Maintenance\|Job Related Expenses\|Other\| \|---\|---\|---\|---\|---\| \|\|\|\|\| \| \#\# Borrower Name: Rachel W Boone \#\# Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) Page 3 of 11 --- \#\# Section 3: Financial Information - Real Estate This section asks you to list all properties you currently own and what you owe on them. I do not own any real estate. \#\#\# 3a. Property You Own If you are refinancing, list the property you are refinancing FIRST. \#\# Section 4: Loan and Property Information This section asks about the loan's purpose and the property you want to purchase or refinance. ### 4a. Loan and Property Information Loan Amount \$ 295,200.00 ------------------ ------------------------ Loan Purpose Property Address Street 776 Cannon Road City Marion State NC Number of Units 1 Property Value \$ 328,000.00 Occupancy Primary Residence 1. Mixed-Use Property. If you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop) NO YES 2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis) NO YES \#\#\# 4b. Other New Mortgage Loans on the Property You are Buying or Refinancing Does not apply \#\#\# 4c. Rental Income on the Property You Want to Purchase For Purchase Only Does not apply \#\#\# 4d. Gifts or Grants You Have Been Given or Will Receive for this Loan Does not apply Include all gifts and grants below. Under Source, choose from the sources listed here: - Community Nonprofit - Federal Agency - Relative - State Agency - Lender - Employer - Local Agency - Religious Nonprofit - Unmarried Partner - Other Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 4 of 11 --- \#\# Section 5: Declarations This section asks you specific questions about the property, your funding, and your past financial history. \#\#\# 5a. About this Property and Your Money for this Loan \|A. Will you occupy the property as your primary residence?\|NO\|YES\| \|---\|---\|---\| \|If YES, have you had an ownership interest in another property in the last three years?\|NO\|YES\| \|(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?\|PR\| \| \|(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?\|SP\| \| B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? NO YES C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? NO YES If YES, what is the amount of this money? \$ D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? NO YES 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? NO YES E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? NO YES \#\#\# 5b. About Your Finances F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? NO YES G. Are there any outstanding judgments against you? NO YES H. Are you currently delinquent or in default on a Federal debt? NO YES I. Are you a party to a lawsuit in which you potentially have any personal financial liability? NO YES J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? NO YES K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? NO YES L. Have you had property foreclosed upon in the last 7 years? NO YES M. Have you declared bankruptcy within the past 7 years? NO YES If YES, identify the type(s) of bankruptcy: Chapter 7 Chapter 11 Chapter 12 Chapter 13 Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 5 of 11 --- Section 6: Acknowledgments and Agreements. This section tells you about your legal obligations when you sign this application. \#\# Acknowledgments and Agreements Definitions: - "Lender" includes the Lender's agents, service providers, and any of their successors and assigns. - "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the "Loan"), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns. I agree to, acknowledge, and represent the following: 1. The Complete Information for this Application - The information I have provided in this application is true, accurate, and complete as of the date I signed this application. - If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract. - For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction. - The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. - Any intentional or negligent misrepresentation of information may result in the imposition of: - civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or - criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.). 2. The Property's Security - The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application. 3. The Property's Appraisal, Value, and Condition - Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants. - The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value. 4. Electronic Records and Signatures - The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved. (5) Delinquency - The Lender and Other Loan Participants may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report and will likely affect my credit score. - If I have trouble making my payments I understand that I may contact a HUD- approved housing counseling organization for advice about actions I can take to meet my mortgage obligations. (6) Authorization for Use and Sharing of Information By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentation, (ii) a consumer credit report on me, and (iii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing: - process and underwrite my loan; - verify any data contained in my consumer credit report, my loan application and other information supporting my loan application; - inform credit and investment decisions by the Lender and Other Loan Participants; - perform audit, quality control, and legal compliance analysis and reviews; - perform analysis and modeling for risk assessments; - monitor the account for this loan for potential delinquencies and determine any assistance that may be available to me; and - other actions permissible under applicable law. Borrower Signature 2/28/2024 05:43:52 AM MST Date (mm/dd/yyyy) Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 6 of 11 --- \#\# Section 7: Military Service This section asks questions about your (or your deceased spouse's) military service. \|Military Service of Borrower\| \| \|---\|---\| \|Military Service - Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?\|NO YES \| \|If YES, check all that apply:\|- Currently serving on active duty with projected expiration date of service/tour (mm/dd/yyyy) - Currently retired, discharged, or separated from service - Only period of service was as a non-activated member of the Reserve or National Guard - Surviving spouse \| \#\# Section 8: Demographic Information This section asks about your ethnicity, sex, and race. \|Demographic Information of Borrower\| \| \|---\|---\| \|The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.\| \| \|Ethnicity: Check one or more\|Race: Check one or more\| \|- Hispanic or Latino - Mexican - Puerto Rican - Cuban - Other Hispanic or Latino - Print origin: - Not Hispanic or Latino - I do not wish to provide this information - Sex - Female - Male - I do not wish to provide this information \|- American Indian or Alaska Native - Print name of enrolled or principal tribe: - Asian - Asian Indian - Chinese - Filipino - Japanese - Korean - Vietnamese - Other Asian - Print race: - Black or African American - Native Hawaiian or Other Pacific Islander - Native Hawaiian - Guamanian or Chamorro - Samoan - Other Pacific Islander - Print race: - White - I do not wish to provide this information \| To Be Completed by Financial Institution (for application taken in person): ----------------------------------- ----------------------------------- Was the ethnicity of the Borrower NO YES collected on the basis of visual observation or surname? Was the sex of the Borrower NO YES collected on the basis of visual observation or surname? Was the race of the Borrower NO YES collected on the basis of visual observation or surname? The Demographic Information was \- Face-to-Face Interview (includes provided through: Electronic Media w/ Video Component) ----------------------------------- ----------------------------------- - Telephone Interview - Fax or Mail - Email or Internet \| Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 7 of 11 --- \#\# Section 9: Loan Originator Information: To be completed by your Loan Originator. Loan Originator Information \|Loan Originator Organization Name\|ATLANTIC BAY MORTGAGE GROUP, L.L.C.\| \|---\|---\| \|Address\|600 Lynnhaven Parkway, Suite 100, Virginia Beach, VA 23452\| \|Loan Originator Organization NMLSR ID\#\|72043\| \|State License ID\#\|L-111843\| \|Loan Originator Name\|Aimi O Annas\| \|Loan Originator NMLSR ID\#\|430333\| \|State License ID\#\|I-164098\| \|Email\|Aimiannas\@atlanticbay.com\| \|Phone\|(828) 559-9244\| \|Signature\| \| \|Date (mm/dd/yyyy)\|01/12/2024\| Borrower Name: Rachel W Boone Uniform Residential Loan Application Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) 20667.311 Page 8 of 11 --- \#\# Uniform Residential Loan Application - Lender Loan Information Lender Loan No./Universal Loan Identifier 7110001805 / 549300RWXUAFD1WAE410-7110001805-44 Agency Case No. This section is completed by your Lender. \#\#\# Property and Loan Information \|Community Property State\|At least one borrower lives in a community property state.\| \|---\|---\| \| \|The property is in a community property state.\| \|Refinance Type\|No Cash Out\| \| \|Limited Cash Out\| \| \|Cash Out\| \|Refinance Program\|Full Documentation\| \| \|Interest Rate Reduction\| \| \|Streamlined without Appraisal\| \| \|Other\| \| \|Energy Improvement\| \|Transaction Detail\|Conversion of Contract for Deed or Land Contract\| \| \|Renovation\| \| \|Construction-Conversion/Construction-to-Permanent\| \| \|Single-Closing\| \| \|Two-Closing\| \|Construction/Improvement Costs \$\| \| \|Lot Acquired Date\|(mm/dd/yyyy)\| \|Original Cost of Lot \$\| \| \#\#\# Title Information Title to the Property Will be Held in What Name(s): Rachel W Boone Andrew M Boone For Refinance: Title to the Property is Currently Held in What Name(s): \#\#\#\# Trust Information Title Will be Held by an Inter Vivos (Living) Trust Title Will be Held by a Land Trust \#\#\#\# Manner in Which Title Will be Held Sole Ownership Joint Tenancy with Right of Survivorship Life Estate Tenancy by the Entirety Tenancy in Common Other Indian Country Land Tenure Fee Simple On a Reservation Individual Trust Land (Allotted/Restricted) Tribal Trust Land On a Reservation Tribal Trust Land Off Reservation Alaska Native Corporation Land Borrower Name: Rachel W Boone Uniform Residential Loan Application - Lender Loan Information Freddie Mac Form 65 Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) Page 9 of 11 --- \|Mortgage Loan Information\| \| \| \|---\|---\|---\| \|Mortgage Type Applied For\|Terms of Loan\|Mortgage Lien Type\| \|Conventional\|USDA-RD\|Note Rate\| \|Conventional\|USDA-RD\|Loan Term\| \|FHA\|Other\| \| \|Amortization Type\| \|Proposed Monthly Payment for Property\| \|Fixed Rate\|Other (explain)\|First Mortgage (P & I)\| \|Adjustable Rate\|Other (explain)\|Subordinate Lien(s) (P & I)\| \| \|Initial Period Prior to First Adjustment (months)\|Homeowner's Insurance\| \| \|Subsequent Adjustment Period (months)\|Supplemental Property Insurance\| \|Loan Features\| \| \| \|Balloon\|Balloon Term (months)\|Mortgage Insurance\| \|Interest Only\|Interest Only Term (months)\|Association/Project Dues (Condo, Co- Op, PUD)\| \|Negative Amortization\| \|Other\| \|Prepayment Penalty\|Prepayment Penalty Term (months)\| \| \|Temporary Interest Rate Buydown\|%\|TOTAL\| \|Other (explain)\| \| \| \|Borrower Name: Rachel Boone\| \| \| \|Uniform Residential Loan Application\|Lender Loan Information\| \| \|Freddie Mac Form 65\|Fannie Mae Form 1003\| \| \|Effective 1/2021\| \| \| \|ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043)\| \| \| \|CI 20667.311\|Page 10 of 11\| \| --- \|L4. Qualifying the Borrower\|Minimum Required Funds or Cash Back\| \|---\|---\| \|As Sales Contract Price\|[330, 000.00\|\|*Improvements*, *Renovations*, *andRepairs*\|]{.math.inline}\| \|Land (if acquired separately)\|[\|\|*ForRefinance* : *BalanceofMortgageLoansonthePropertytobepaidoffintheTransaction*\|]{.math.inline}\| \|Credit Cards and Other Debts Paid Off\|\$\| \|Borrower Closing Costs (including Prepaid and Initial Escrow Payments)\| \$6,599.49\| \|Discount Points\|\$2,214.00\| \|TOTAL DUE FROM BORROWER(s) (Total of A thru G)\|\$338,813.49\| \|Loan Amount Excluding Financed Mortgage Insurance (or Mortgage Insurance Equivalent)\|\$295,200.00\| \|Financed Mortgage Insurance (or Mortgage Insurance Equivalent) Amount\| [295, 200.00\|\|*OtherNewMortgageLoansonthePropertytheBorrower*(*s*)*isBuyingorRefinancing*\|]{.math.inline}\| \|TOTAL MORTGAGE LOANS (Total of I and J)\|[295, 200.00\|\|*SellerCredits*(*EntertheamountofBorrower*(*s*)*costspaidbythepropertyseller*)\|]{.math.inline}\| \|Other Credits (Enter the sum of all other credits - Borrower Paid Fees, Earnest Money, Employer Assisted, Housing, Lease Purchase Fund, Lot Equity, Relocation Funds, Sweat Equity, Trade Equity, Other)\|\$2,655.00\| \|TOTAL CREDITS (Total of L and M)\|\$2,655.00\| \|TOTAL DUE FROM BORROWER(s) (Line H)\|\$338,813.49\| \|LESS TOTAL MORTGAGE LOANS (Line K) AND TOTAL CREDITS (Line N)\|- \$297,855.00\| \|Cash From/To the Borrower (Line H minus Line K and Line N)\|\$40,958.49\| Borrower Name: Rachel W Boone Uniform Residential Loan Application - Lender Loan Information Freddie Mac Form 65 \| Fannie Mae Form 1003 Effective 1/2021 ATLANTIC BAY MORTGAGE GROUP, L.L.C. (License \#: L-111843, NMLS \#: 72043) Page 11 of 11