Changed Circumstance Detail Form: Melissa Marie Jones
Changed Circumstance Detail Form: Melissa Marie Jones
Complete this form for each changed circumstance that results in re-disclosure and include it with the Loan Estimate or
Closing Disclosure in the closed loan file.
11/5/2021
1. Loan amount decreased from $162,993.00 to $160,347.00 per borrower.
2. FHA UFMIP changed from $2,803.32 to $2,757.82
3. Lender Credit changed from ($2,852.38) to ($2,806.07).
Costs at Closing
Closing Costs $7,271.71 Includes $7,280.57 in Loan Costs + $2,797.21 in Other Costs –
$2,806.07 in Lender Credits. See page 2 for details.
Cash to Close – $1,629.47 Includes Closing Costs. See Calculating Cash to Close on page 3 for details.
Other Costs
E. Taxes and Other Government Fees $1,021.09
01 Recording Fees Deed: $27.00 Mortgage: $112.00 $139.00
02 City/County Deed Tax/Stamp Fee to Register of Deeds $561.40 $1,162.00
03 Transfer Tax - Miscellaneous to Register of Deeds $320.69
F. Prepaids $1,045.62
01 Homeowner's Insurance Premium (12 mo.) to Brightway Insurance $642.00
02 Mortgage Insurance Premium ( mo.)
03 Prepaid Interest ($19.22 per day from 11/10/2021 to 12/1/2021) $403.62
04 Property Taxes ( mo.)
05
G. Initial Escrow Payment at Closing $430.50
01 Homeowner's Insurance $53.50 per month for 4 mo. $214.00
02 Mortgage Insurance per month for mo.
03 Property Taxes $90.00 per month for 3 mo. $270.00
04
05
06
07
08 Aggregate Adjustment – $53.50
H. Other $300.00
01 Real Estate Agent Fee to Florida Homes Realty & Mortgage $300.00
02 Real Estate Commission - Buyer Agent to iHeart Realty, Inc $4,980.00
03 Real Estate Commission - Seller Agent to Florida Homes Realty & Mortgage $4,980.00
04 Title - Owner's Title Policy (optional) to Action Title Services of St. Johns County, Inc. $253.00
05
06
07
08
I. TOTAL OTHER COSTS (Borrower-Paid) $2,797.21
Other Costs Subtotals (E + F + G + H) $2,797.21
Contact Information
Lender Mortgage Broker Real Estate Broker (B) Real Estate Broker (S) Settlement Agent
Name CMG MORTGAGE, INC. dba FLORIDA HOMES REALTY & IHeart realty Inc Gullett Title of Interlachen,
CMG FINANCIAL MORTGAGE Inc.
Address 7880 Gate Parkway Suite 9191 R G SKINNER PKWY 1519 St. John Ave 1121 State Road 20
102 #102 Palatka, FL 32177 Interlachen, FL 32148
Jacksonville, FL 32256 Jacksonville, FL 32256
NMLS ID 1820
FL License ID BK1032918 1054347 A106588
A106588
W319588
Contact Mel Francis Siebold LOU KIBBY John Jenkins Christie Marshall
Contact NMLS ID 288180
Contact SL3344279 SL3473173 W319588
FL License ID
Email [email protected] [email protected] [email protected] [email protected]
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.
{eSign.B1Sig$1}
Melissa Marie Jones {eSign.B1SigDate$1}
11/08/2021 {eSign.B2Sig$2} {eSign.B2SigDate$2}
Melissa Marie Jones Date Date
CLOSING DISCLOSURE PAGE 5 OF 5 • LOAN ID # REA0000136117
IDS, Inc. - 67658
Digitally signed by IDS - #: 08611CE913917B69EDD57893
Reason: Client Digitally Signed File
Location: 162.192.82.57
11/08/2021 18:28:18
Loan Number: REA0000136117
FEE WORKSHEET
Lender: CMG MORTGAGE, INC. dba CMG FINANCIAL Date Prepared: November 8, 2021
3160 Crow Canyon Road, Suite 400
San Ramon, CA 94583
Mel Francis Siebold
Applicants: Melissa Marie Jones
Prepared By: CMG MORTGAGE, INC. dba CMG FINANCIAL Loan Program: FHA Fixed First
The information provided below reflects the charges disclosed on the Closing Disclosure. Please refer to the Closing Disclosure for a final
determination of the charges associated with the settlement of your loan.
Total Loan Amount $160,347.00 Interest Rate: 4.375% Term/Due In: 360/360
ITEMS PAYABLE IN CONNECTION WITH LOAN: Amount Paid By APR F POC
Admin Fee: CMG Mortgage, Inc. dba CMG Financial $ 1,294.00 Borrower X
Processing Fee: CMG Mortgage, Inc. dba CMG Financial $ 425.00 Borrower X
Tax Service Fee: CMG Mortgage, Inc. dba CMG Financial $ 75.00 Borrower X
Title - Abstract or Title Search: Gullett Title of Interlachen, Inc. $ 358.00 Seller
Title - Electronic Doc Retrieval Fee: GTI For Forensis $ 37.50 Borrower X
$ 37.50 Seller
Title - Endorsement Fee: Westcor Land Title Insurance Company $ 138.00 Borrower
Title - Lender's Title Insurance: Westcor Land Title Insurance Company $ 877.00 Borrower
Title - Wire Fee Closing Agents: Gullett Title of Interlachen, Inc. $ 120.00 Borrower X
Real Estate Agent Fee: Florida Homes Realty & Mortgage $ 300.00 Borrower
Real Estate Commission - Buyer Agent: iHeart Realty, Inc $ 4,980.00 Seller
Real Estate Commission - Seller Agent: Florida Homes Realty & Mortgage $ 4,980.00 Seller
Title - Owner's Title Policy (optional): Action Title Services of St. Johns County, Inc. $ 253.00 Seller
THIS IS NOT A CLOSING DISCLOSURE. This "Fee Worksheet" is provided for information purposes ONLY.
This lock-in agreement is governed by Florida Statutes Annotated § 494.0069. The Lender agrees to accept the mortgage loan
application under the terms and conditions listed below. This is not a commitment. You will be notified as to whether or not the
mortgage loan application has been approved.
TERMS
Loan Amount: $160,347.00
Loan Program: 3101 Chenoa: Chenoa Fund FHA 30YrFx Bond
Loan Type: FHA
Amortization Type: Fixed Rate
Lien Priority: First
Loan Purpose: Purchase
Interest Rate: 4.375%
Term: 360 months
Balloon Term: N/A months
Interest Only Term: N/A months
Lock-in Fee: $N/A
This Lock-in Agreement is X is not conditioned on the remittance of the Lock-In Fee.
Commitment Fee: $N/A
Lock Date: October 19, 2021
Lock-in Expiration Date: December 3, 2021
Lock Days (#): 45
Origination Fee: $0.00 (0.000%)
Discount Points: $0.00 (0.000%)
ADJUSTABLE RATE MORTGAGE TERMS (if applicable)
Index Type: N/A
Index: N/A%
Margin: N/A%
Maximum Possible
Interest Rate: N/A%
Date of First Rate
Adjustment: N/A
REFUND OF LOCK-IN FEE
I understand the Lock-In Fee is not refundable except under the following conditions:
1) The commitment is contingent upon approval by parties to whom the lender seeks to sell the loan.
2) The loan purchaser's requirements are not met due to circumstances beyond the borrower's control.
3) The borrower is willing but unable to comply with the loan purchaser's requirements.
4) If a lock-in agreement has been executed and the loan does not close before the expiration date of the lock-in agreement through
no substantial fault of the borrower, the borrower may withdraw the application or reject or terminate any commitment,
whereupon the mortgage lender shall promptly refund to the borrower any lock-in fee and any commitment fee paid by the
borrower.
OTHER PROVISIONS
Florida law requires that the lender make a good faith effort to process the mortgage loan application and stand ready to fulfill the terms
of its lock-in agreement before the expiration date of the lock in agreement or any extension thereof.
Any lock-in agreement received by the lender by mail or through a broker must be signed by the lender in order to become effective.
The borrower my rescind any lock-in agreement until a written confirmation of this agreement has been signed by the lender and mailed
to the borrower or to the brokerage business pursuant to its contractual relationship with the borrower. If a borrower elects to so rescind,
the lender must promptly refund any lock-in fee paid.
If the loan does not close before the expiration date of the lock-in agreement through no substantial fault of the borrower, the borrower
may withdraw the application, whereupon the lender must promptly refund to the borrower any lock in fee paid by the borrower.
EXPIRATION
This lock-In agreement will expire on December 3, 2021. If this mortgage loan does not close, for any reason, within the lock-in period,
the lender is no longer obligated to the terms of this lock-in agreement.
IMPORTANT NOTICE
Lender expects that, barring a problem with your application (such as credit problems, title flaws, or incomplete information) the loan, if
approved, will be able to close within the lock-in period. You can help prevent delays by responding promptly to information requests
and ensuring that your employers, creditors, and financial institutions promptly answer our information requests as well. Any event
which is caused by those sources, by you or a third party retained by you (such as your title attorney, or builder, as applicable), which
delays closing beyond the lock-in period WILL RESULT IN A HIGHER RATE OR MORE POINTS BEING CHARGED ON
YOUR LOAN IF INTEREST RATES ARE HIGHER AT THAT TIME.
I/We understand and agree to the terms contained in this lock-in agreement and acknowledge receipt of a copy of this agreement.
You may choose to receive documents electronically instead of in paper form by affirmatively consenting to this Electronic Disclosure and
Electronic Signature Consent Agreement ("Agreement"). This Agreement applies to all documents and/or notices we provide to you in electronic
form and includes disclosures, contracts, forms, documents, records, notices, and any other information associated with and/or relating to your
application and the lending transaction associated with your loan ("Disclosures"). By signing this agreement, you also consent to receive email
and/or text messages notifying you that documents are ready to sign and/or have been completed. After reading the information below, please
confirm your agreement by clicking the link at the bottom of this document.
1. DEFINITIONS. "You" and "Your" refer to the signer of the documents, including anyone on whose behalf the signer is acting including but not
limited to individuals, corporations, and trusts. "We", "us" and "our" refer to CMG MORTGAGE, INC. dba CMG FINANCIAL, including its affiliates and
assigns, who receive or is receiving the credit application.
2. ACCESS AND SYSTEM REQUIREMENTS. To view and access the Disclosures, you must have access to a computer or other device that has the
following hardware and software minimum requirements:
a. An operating system capable of accessing the internet and downloading HTML, ASPX and/or PDF files, e.g., Microsoft Windows or Mac OS
X;
b. Not less than one version previous to the current available version for your preferred web browser (must support 128-bit encryption);
c. An active email account;
d. Adobe Acrobat Reader 6.0 or higher (free download at www.adobe.com);
e. Computer or device storage to retain the Disclosures electronically or a printer to retain paper copies.
3. ACTIVE EMAIL ACCOUNT. You are required to maintain an active email account. Please notify us if your email address changes.
4. PAPER COPIES. We recommend that you print each electronic record for your files; however, at your request to, we will provide you with a
paper copy of any electronic record at no cost. If you would like to request a paper copy of your documents, please contact your mortgage loan
officer and/or mortgage loan broker.
5. ELECTRONIC SIGNATURES ON DOCUMENTS. You agree to the use of electronic signatures on the Disclosures and understand that your
electronic signature on the Disclosures has the same effect as if you signed them in ink.
6. WITHDRAWING CONSENT. You have the right to withdraw consent and to require that we provide your Disclosures in paper form. To do this,
access this page again by clicking on the link in the email you received, click on the “Electronic Consent” link at the top of the page, scroll down to
the bottom, and click the “Withdraw Consent” link. After such withdrawal, we will continue processing your loan in a non-electronic manner at no
additional charge to you. If you decide to withdraw consent, Disclosures previously provided to you and any electronic signatures you previously
made shall remain valid, enforceable, and sufficient for their intended purpose and are unaffected by the subsequent withdrawal of your consent.
Further, in the event you decide to withdraw your consent, you may not have the option to later receive your Disclosures electronically. Please
note that by withdrawing consent, you may delay the transaction and you may have to communicate with us by telephone, mail, or in-person.
7. RESERVATION OF RIGHTS. We reserve the right, in our sole discretion, to discontinue providing Disclosures electronically and send paper
Disclosures at no cost to you.
8. INDEMNIFICATION. You agree to indemnify and hold harmless CMG MORTGAGE, INC. dba CMG FINANCIAL and/or its subsidiaries, principals,
agents, employees, or assigns against all claims, demands, proceedings, suits and actions and all liabilities, losses, expenses and costs, including
attorneys’ fees and expenses, resulting from your failure to comply with the terms of this Agreement, including, without limitation, your failure to
keep CMG MORTGAGE, INC. dba CMG FINANCIAL and/or its subsidiaries or assigns informed of your correct email address, or resulting from your
negligent use of the electronic Disclosure and e-signature process.
9. NOTICE OF AND CONSENT TO INFORMATION COLLECTION. You agree to the recording, collecting, and storage of your IP address for purposes
of identity verification and fraud prevention. Your information will be stored in conformity with Privacy Policies of CMG MORTGAGE, INC. dba CMG
FINANCIAL and will not be sold or shared except as provided therein.
10. VERIFICATION AND CONSENT. By clicking the link at the bottom of this document, you consent to receive certain notices and Disclosures in
connection with your mortgage loan application and any other documents or notices that we may provide to you in electronic form and
acknowledge the following:
a. You have read this Agreement and you understand and agree with its terms and conditions;
b. You confirm that your hardware and software meets the access and system requirements above and affirmatively acknowledge that you
have the ability to access, download, and print electronic records;
c. You confirm that you have provided your current email address and will continue to provide a current email address where you may receive
Disclosures electronically;
d. You consent to CMG MORTGAGE, INC. dba CMG FINANCIAL and their assigns and vendor(s) collecting and retaining your IP address for
record keeping and verification purposes; and
e. You agree to the use of electronic signatures on the Disclosures as indicated above.