HomeMy WebLinkAbout0224 WINTER STREET �� y �'��,�-l�-ex- S�-:
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Y Town of Barnstable °
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.>.y--tin �,a ..:...?:�...,.,: ,dam .,.-.. ✓. e•;,,. � ., �. ._ ,. �...•.�.. .,., s +a .-TS .That it,a�,.V�stble�Fromah Street-:�A r. veM Lb,' Re a�n �.,, ,o e p.p o ustt ed on Job and this Card Must be Ke t�zs
v Posted Until Finalans ection HasmBeen.Mad '. 9
as ," m .
. _. :., w �, , .. �, 1
Where a-Certificate-of°Occu anc •is.Re "deg,
'shall:Not.be Occu i. d until a F�naf;lns ction:Yhas.b°en=made. .
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Permit NO. B-17-1404 Applicant Name: Kevin Sullivan Approvals
Date Issued: 05/08/2017 Current Use: Structure
Permit Type: Building-Siding/Windows/Roof/Doors Expiration Date: 11/08/2017. Foundation:
Location: 224 WINTER STREET, HYANNIS Map/Lot 310 185 Zoning District: RB Sheathing:
- Y r f, �.
Owner on Record: Kevin Sullivan �ContractdrName. Framing: 1
Address: 224 WINTER ST Contractor License 2
.�„ -� _ ,,n:
HYANNIS, MA 02601 , Est Protect Cost: $6,300.00 Chimney:
3 y:
Description: Reroofing(stripping old shingles) PerrnitFee: $35.00
+ Insulation:
Fee
Project Review Req: Reroofing(stripping old shingles)
Paid: $35.00
Date 5/8/2017 Final:
Plumbing/Gas
a z Rough Plumbing:
4
Building Official
Final Plumbing:
This permit shall be deemed abandoned and invalid unless the work authorizedEby this permit is commenced within six months after'issuance.
W Rough Gas:
All work authorized by this permit shall conform to the approved application a.nd the approved construction documents for which thi's permit has been granted.
All construction,alterations and changes of use of any building and structures shall be in compliance with the local zoning by laws and codes.
Final Gas:
This permit shall be displayed in a location clearly visible from access streetor road and shall be maintained open for public mspeci�on for the entire duration of the
work until the completion of the same.
Electrical
The Certificate of Occupancy will not be issued until all applicable signattures b the Build n and Fir Officials are:provided on�th�xp�ermit.
Service:
Minimum of Five Call Inspections Required for All Construction Work:g ,
1.Foundation or Footing �, 3
p Rough:
2.Sheathing Inspection 2,5,2 -
3.All Fireplaces must be inspected at the throat level before firest flue lining is installed Final:
4.Wiring&Plumbing Inspections to be completed prior to Frame Inspection
5.Prior to Covering Structural Members(Frame Inspection) Low Voltage Rough:
6.Insulation
7.Final Inspection before Occupancy Low Voltage Final:
Where applicable,separate permits are required for Electrical,Plumbing,and Mechanical Installations. Health
Work shall not proceed until the Inspector has approved the various stages of construction.,;. .
". :•. Finah.
."Persons contracting.With unregistered contractors do.not.have access to the guaranty fund" (as-,set forth in MGL c.142A).
..... .., . - ... -. _,.. Fire Department
Building plans are to be available on site Firiel.
All Permit Cards are the property of the APPLICANT-ISSUED RECIPIENT
'Town of Barnstable °ilding°
-
f r Post'T,his Card,So:*h-at itA' VJsible From::the Street-Approved Plans Must be Retained on Job and this Card Must be Kept
rsnxxxrrie�e
Posted Until Final Inspection Has Been Made. n �u w, Permit
r639
en►u ° :.r ;Where a Certiflcateof bccupancy.is R.equired�such,Building shall Not be Occupied until-a Final Inspection has been mad..e..
Permit No.. - B-17-3484 ' Applicant Name: Abraham Lemotte Approvals
Date Issued: 10/18/2017 l Current Use: Structure
Permit Type: Building-Solar.Panel- Residential', Expiration Date: 04/18/2018 Foundation:
Location: 224 WINTER STREET, HYANNIS Map/Lot: 310-185 Zoning District: RB Sheathing:
Owner on Record: SULLIVAN, KEVIN J Contractor Name:, ABRAHAM LEMOTTE Framing: 1
Address: . 224 WINTER STREET Contractor License: CS-109986 2
HYANNIS, MA 02601 Est.Project Cost: $ 28,749.00 Chimney:
Description: To install a 7.194 kWh DC roof-mounted solar photovoltaic system, Permit Fee: $ 196.62
using 22 solar PV panels at 327 kWh per panel, with integrated Insulation:
mircoinverters Fee Paid: S 196.62
Final:
Date: , 10/18/2017
Project Review Req:
Plumbing/Gas
Rough Plumbing:
Building Official
Final Plumbing:.
This permit shall be deemed abandoned and invalid unless the work authorized by this permit is commenced:within six months after issuance. Rough Gas:
All work authorized by this permit shall conform to.the approved application and the approved construction documents for which this permit has been granted. ,
All construction,alterations and changes of use of any building and structures shall be in compliance with the local zoning by-laws and codes. Final Gas:
This permit shall be displayed in.a'location clearly visible from access street or road and shall be maintained open for public inspection for the entire duration of.the
work until the completion of the same. Electrical
The Certificate of Occupancy will not be issued until all applicable signatures by the Building and Fire Officials are provided on this permit. Service:
Minimum of Five Call Inspections Required for All Construction Work: Rough:
1.Foundation or Footing
2.Sheathing Inspection
Final:
3.All Fireplaces must be inspected at the throat level before firest flue lining is installed
4.Wiring&Plumbing Inspections to be completed prior to Frame Inspection Low Voltage Rough:
5.Prior to Covering Structural Members(Frame Inspection)
6.Insulation
Low Voltage Final:
7.Final Inspection before Occupancy
Health
Where applicable,separate permits are required for Electrical,Plumbing,and Mechanical Installations.
Work shall not proceed until the Inspector has approved the various stages of construction. Final:
Persons co,nfracting_.wlth;unregistered,contractors.do.not have access to theguaranty"fund" (as set forth in MGL c.142A). - Fire Department
. _ Building plans are to be a 'ailable on site
Final:
All Permit Cards are the property of the APPLICANT-ISSUED RECIPIENT -
No7-Z-ma�I��
Al ej
Towi`of Barnstable *Permit#
Regulatory Services_ .Fee`0___sfromissuedate
• i
i A•RNCMT.F_
y MAB& $ Richard V..Scali,Director
1639. ♦� W
Building Division
Paul Roma,Building Commissioner -+
200 Main Street,Hyannis,MA 02601 �` .
'.www.town bamstable.ma us � -4
Office: 508-862-4038 �� �'qY 0� F 'r9o-6230
EXPRESS PERNIIT APPLICATION RESID x . . 6gLy
3i n ^45 '
NotYalidwithoutRedX-Press ImprintMap/parcel Number � I)
Property Address
®Residential Value of Work$ 6, 300 Minimum fee of$35.00 for work under$6000.00
Owner's Name&Address4_al1 vim_ S�2(1 vas.
gat{ �ty.��c' S� [`tYQytkiS .01�_(;&l r
Contractor's Name Telephone Number o' ff -any
Home Improvement Contractor License#(if applicable) Email:
Construction Supervisor's License#(if applicable)
❑Workman's Compensation Insurance
Check one:
❑ I am a sole proprietor
I am the Homeowner
I have Worker's Compensation Insurance-
Insurance Company Name
Workman's Comp.Policy#
Copy of Insurance Compliance Certificate must accompany each permit.
Permit Request(check box) \
Re-roof(hurricane nailed)(stripping old shingles) All construction debris will be taken to (h�►K,�
❑Re-roof(hurricane nailed)(not stripping. Going over existing layers of roof)
❑ Re-side -
❑ Replacement Windows/doors/sliders.U-Value (maximum.32)#of windows
#of doors:
*where required: Issuance of this permit does not exempt compliance with other town department regulations,i.e.Historic,Conservation,etc.
***Note: Property Owner must sign Property Owner Letter of Permission.
A copy of the Home Improvement Contractors License&Construction Supervisors License is
equired.
SIGNATURE:
QAWPFILEM\F0RMSlbuildmg permit forms\FMRESS.doc
01/25/17
The Caazrrra"wah*ojf chnmetls
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insumce d- i c:=§In aadwehaveno 1?.®Raafrepairs.
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Aftat&z-co of fhe worke ra'compensationpgoNcy declaration page(showing the policy number and expiration da4
Failure to semm coveEage as requireduader Section 25A of MEL a 157—can lead to tine ippositioa of crimiffial penalises of a
fine up to$UOD OU an&or oiayeirimpdso as well asriO penalises in the form of a SAP WORK ORDERand a fine,
of uplo$251O-M a dap againd the viola m Be advised'that a&•of tbis.st itemeut ffiRbe ceded to the Office of
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City or Taww Per-iff Acease#
LssaingAaiharity(catie one):
L Board of ffealtli r.BTdiug Dq=Imemt 3.CAy Po n clerk 4 Electrical hVector 5-Ph mbing Inspector
CL a43ier 4
CGELtUt Person: Phone tl-
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ToWn of Barnstable
Regulatory Services
s" Richard V.Scab,Director
Building Division
Paul Roma,Building Commissioner
200 Main Street,Hyannis,MA 02601
www.town.barnstable.ma.us
Office: 508-862-4038 X ax: 5 790-6230 ,.
ef
Property,Owner Must
Complete and Sign This Section
If Using A Builder
,.,as er of the subject property
F
hereby authorize - to act on my behalf
in all matters relative t Work authorized this building permit application for.
(Address of Job)
**Pool fences and e the responsibility of the'applicant Pools
are not to be ed or utiliz d before fence is installed and all final
inspections e performed an accepted.
t
Signature-of Owner Si a of Applicant
d
Print Name Print lame
Date b
QTORMS:OWNERPERMISSIONPOOIS
Town of Barnstable
Regulatory Services
Richard V.Scali,Director
Building Division
sMIMsruaa. Paul Roma,Building Commissioner
NAM
a�� 200 Main Street, Hyannis,MA 02601
www.town.barnstable.ma.us
Office: 508-862-4038 - Fax: 508-790-6230
HOMEOWNER LICENSE EXEMPTION
t c2o.� Please Print
DATE: Y
JOB LOCATION: 0202 +� 1VA—e-'r S" /Ly@lt►.i
17
number street agc
"HOMEOWNER": �t W V--� � t JOl`ti c;7q 9
name home phone# work phone#
ING ADDRESS: SQL
CURRENT MAIL
city/town state zip code
The current exemption for"homeowners"was extended to include owner-occupied dwellings of six units or less and to allow
homeowners to engage an individual for hire who does not possess a license,provided that the owner acts as supervisor.
DEFII MON OF HOMEOWNER
Person(s)who owns a parcel of land on which he/she resides or intends to reside,on which there is,or is intended to be,a one or two-
family dwelling,attached or detached structures accessory to such use and/or farm structures. A person who constructs more than one
home in a two-year period shall not be considered a homeowner. Such"homeowner"shall submit to the Building Official on a form
acceptable to the Building Official,that he/she shall be responsible for all such work performed under the building yermit. (Section
109.1.1)
The undersigned"homeowner"assumes responsibility for compliance with the State Building Code and other applicable codes,
bylaws,rules and regulations.
The undersigned"homeowner"certifies that he/she understands the Town of Barnstable Building Department minimum inspection
proved s and re=* entsd that he/she will comply with said procedures and requirements.
Signature of Homeowner
r
Approval of Building Official
Note: Three-family dwellings containing 35,000 cubic feet or larger will be required to comply with the State Building Code
Section 127.0 Construction ControL
HOMEOWNER'S EXEMPTION
The Code states that: "Any homeowner performing work for which a building permit is required shall be exempt
from the provisions of this section(Section 109.1.1-Licensing of construction Supervisors);provided that if the homeowner
engages a person(s)for hire to do such work,that such Homeowner shall-act as supervisor."
Many homeowners who use this exemption are unaware that they are assuming the responsibilities of a supervisor
(see Appendix Q,Rules&Regulations for Licensing Construction Supervisors,Section 2.15) This lack of awareness often
results in serious problems,particularly when the homeowner hires unlicensed persons. In this case,our Board cannot
proceed against the unlicensed person as it would with a licensed Supervisor. The homeowner acting as Supervisor is
ultimately responsible.
To ensure that the homeowner is fully aware of his/her responsibilities,many communities require,as part of the
permit application,that the homeowner certify that helshe understands the responsibilities of a Supervisor. On the last page
this issue is a form currently used by several towns. You may care to amend and adopt such a form/certification for use in
your community.
Q:\WPFMES\FORMS\building permit forms\MRESS.doc
0620/16
This form is a statement of final loan terms and closing costs. Compare this
Closing Disclosure document with your loan Estimate.
Closing Information Transaction Information Loan Information
Date Issued 04/27/2017 Borrower KEVIN J SULLIVAN Loan Term 30 years
Closing Date 04/27/2017 84 GREENVILLE DR Purpose Purchase
Disbursement Date 04/27/2017 FORESTDALE,MA 02644 Product Fixed Rate
Settlement Agent DUBIN&REARDON Seller MICHAEL F LANGTON
224 WINTER STREET Loan Type ❑Conventional ❑FHA
File# PC-2017 153 HYANNIS,MA 02601
Property 224 WINTER ST Lender UNITED WHOLESALE MORTGAGE ®VA El
HYANNIS,MA02601 Loan ID# 1217021618
Sale Price $210,000.00 MIC# 73-73-6-0741568
•.n Terms ,
e
Loan Amount $202,492 NO
Interest Rate 3.750% NO
r
Monthly Principal&Interest $937.78 NO
See Projected Payments below for your
Estimated Total Monthly Payment
Does the oan have thesefeatures�
Prepayment Penalty NO
Balloon Payment ) NO
Projected Payments
PaymentgCafculafion Years I-3a
h.. .
Principal&Interest $937.78
Mortgage Insurance + 0
Estimated Escrow + 226.77
Amount can increase over time
Estimated Total
Monthly Payment $1,164.55
This estimate includes In escrow?
Estimated Taxes,Insurance 0 Property Taxes YES
&Assessments $226.77 ®Homeowner's Insurance YES
f
Amount can increase over time a month ❑Other:
See page 4 for details See Escrow Account on page 4 for details. You must pay for other property
costs separately.
Closing Costs $7 776 70 Includes$6,021.50 in Loan Costs+$3,612.05 in Other Costs-$1,856.85
in Lender Credits.Seepage 2 for details.
Cash to Close $12,156.46 Includes Closing Costs.See calculating Cash to Close on page 3 fordetails.
t
401 18566.582 CLOSING DISCLOSURE PAGE 1 OF 5 • LOAN ID#1217021618-6
Closing'Cost Details _
Borrower-Paid Selier Paid Paid By
j Loan Costs
At Ctosin Before Clasin m AtClosm iffe Others .
A Ongmation harges,? ffi $945 00
_.... _
01 %of Loan Amount(Points) _ —
02 ORIGINATION FEE to HOMESTEAD MORTGAGE LLC (L)$5,315.42
03 UNDERWRITING FEE — to UNITED WHOLESALE MORTGAGE -- $945.000 —=_---
05
C-7
B Services Borrower Did NoL SF�op For $3,674 50 s'
_. ,,.:.... _ . a ._ .......... ... .. _
01 APPRAISAL FEE to REAL ESTATE APPRAISAL&INSPECTION_ $450 00
02 CREDIT REPORT to BIRCHWOOD _ $100.00 _
03 FINAL INSPECTION FEE _ to REAL ESTATE APPRAISAL&INSPECTION_ $125.00
04 FLOOD CERTIFICATION to CORELOGIC FLOOD SERVICES $12.00 _ —
05 VA FUNDING FEE $2,992.50
Ge
C,J -- - - _ -- --
07 —
09
C Services Borcower Did Shap For. g ; $1397,00
,a.
0_TITLE-ABSTRACT OR TITLE SEARCH to DUBIN&REARDON _ $150.00
02 TITLE-COURIER/WIRE/E-MAIL FEE to DUBIN&REARDON $50.00 _
03 TITLE-OBTAIN MLC to DUBIN&REARDON $40.00
-- — - — —
04 TITLE-PREMIUM FOR LENDER'S COVE to DUBIN&REARDON $507.00
05 TITLE-SETTLEMENT OR CLOSING FEE to DUBIN&REARDON — $650.00
0-6
07
C� m
D TOTAL LOAN,COSTS(BorrowerPaid} ' $6,0215Q
f;
Loan Costs Subtotals(A+B+C)
Other
E Taxes and Other Government Fees $40a:00 A
02- Recording Fees Deed: Mortgage: $400.00 $400.00
02 ------- -- --
F Prepaids $167874
C_ Homeowner's Insurance Premium(12 mo.)to MASSACHSETTS PROPERTY $_1,487.0_0
02 Mortgage Insurance Premium( mo.) — — —
03 Prepaid Interest($20.80397 per day from 4/27/17 to 5/1/17) $83.22
C, Property Taxes(3 mo.). $308.57 a_---- --- —
r
G. Initial Escrow Payment at Closing $680.Z6
C' Homeowner's Insurance $123.92 per month for 3 mo. $371 76
OZ Mortgage Insurance _ per month for mo.
G3 Property Taxes $102.85 per month for 3 mo. $308.55
04
05
OJ
O8 Aggregate Adjustment $-0.05
01 SURVEY FEE to OLDE STONE PLOT PLAN SER $145.00
02 TITLE-OWNER'S TITLE POLICY(OPTIONAL) to DUBIN&REARDON $508.00
03
Qu
Ilo-..TOTAL OTH ER COSTS(Borrower.Paid)
Other Costs Subtotals(E+F+G+H) $3,612 05 v
• Y
1, TOTAL CLOSING,COSTS(Borrnwer Paid) - ,. ,,' ; $7,776i70
Closing Costs Subtotals(D+1) $9,633.55 $5,315.42
Lender Credits -$1,856.85
Q 18566.582 CLOSING DISCLOSURE PAGE 2 OF 5 • LOAN ID#1217021618-6
„$ Use this table to see what has changed from your Loan Estimate.
:_` Loan Estimate_ =Fetal °Did this chang?_P I ,, .`
Total Closing Costs(J) $8,248.00, $7,776.70 YES•See Total Loan Costs(D)and Total Other Costs(1)
Closing Costs Paid Before Closing so! $0;NO
Closing Costs Financed I .
(Paid from your Loan Amount) $0 $0!NO
-i--- —------- ------
Down Payment/Funds from Borrower $7,508.00 $7,508.00 1 NO
Deposit $3,000.00 i $3,000.00 1 NO
Funds for Borrower $0 $0!NO w,
Seller Credits so!
$01 NO
Adjustments and Other Credits $0 $128.24 YES•See details in Sections K and L
Cash to Close i $12,756.00 j $12,156.46
Use this table to see a summary of your transaction.
BORROWER'S TRANSACTION SELLER'S TRANSACTION
K Due from Borrower atClosmg �s 17.776.70. M Due to Seller at Closet $230 000 00
01 Sale Price of Property $210,000.00 0'_Sale Price of Property $210,000.00
02 Sale Price of Any Personal Property Included in Sale 02 Sale Price of Any Personal Property Included in Sale
03 Closing Costs Paid at Closing(J) $7,776.70 03
rc04
Adjustments 05
05 06
—
c� ;,7
C. 08
Adjustments for Items Paid by Seller in Advance Adjustments for Items Paid by Seller in Advance
03 City/Town Taxes to 09 City/Town Taxes to
Cc County Taxes to 10 County Taxes to
10 Assessments to Assessments to
12
12 '3
14
15 -
L Paid Already:by or on Behalf of eorrowe�at Closing; $20$620 24 N Due from Seller at.,Closing ; $I28 24
_ .
C1 Deposit $3,000.00 -01 Excess Deposit _
02 Loan Amount _ _ $202,492.00 02 Closing Costs Paid at Closing(J)
03 Existing Loan(s)Assumed or Taken Subject to 03 Existing Loan(s)Assumed or Taken Subject to
G.4 ^' Payoff of First Mortgage Loan
O5 Seller Credit 05 Payoff of Second Mortgage Loan
Other Credits
G6
C' — -------. 0n Seller Credit --------_-------- —
Adjustments 09
03
09 -
10 12
13
Adjustments for Items Unpaid by Seller Adjustments for Items Unpaid by Seller
12 City/Town Taxes 04/01/17 to 04/27/17 $87.92 1=City/Town Taxes 04/01/17 to 04/27/17 $87.92
13 County Taxes to 15 County Taxes to
14 Assessments to 1-Assessments to
15 SEWER PRORATIONS $40.32 1?SEWER PRORATIONS $40.32
CQLCULATIOIY; CALCULATION . ,
_. u ..n
Total Due from Borrower at Closing(K) $217,776.70 Total Due to Seller at Closing(M) $210,000.00
Total Paid Already by or on Behalf of Borrower at Closing(L) -$205,620.24 Total Due from Seller at Closing(N) -$128.24
Cash to Close ®From ❑To Borrower $12,156.46 Cash ❑From ®To Seller $209,871.76
4�1) 18566.582 CLOSING DISCLOSURE PAGE 3 OF 5 • LOAN ID#1217021618-6
4 r �
j Additional Information About This Loan
Assumption Escrow Account
If you sell or transfer this property to another person,your lender For now,your loan
® will allow,under certain conditions,this person to assume this ®will have an escrow account(also called an"impound"or"trust"
loan on the original terms. account)to pay the property costs listed below.Without an escrow
❑ will not allow assumption of this loan on the original terms. account,you would pay them directly,possibly in one or two large
Demand Feature payments a year.Your lender may be liable for penalties and interest
for failing to make a payment.
Your loan
❑ has a demand feature,which permits your lender to require early
Escrow
repayment of the loan.You should review your note for details. Escrowed $2,721.24 Estimated total amount over year 1 for
® does not have a demand feature. Property Costs your escrowed property costs:
over Year 1 Hazard Insurance
Late Payment Village/Town/School Tax
If your payment is more than 15 days late,your lender will charge a late Non-Escrowed $0.00 Estimated total amount over year 1 for
fee of 3%of the overdue monthly principal and interest payment. Property Costs your non-escrowed property costs:
over Year 1
Negative Amortization(Increase in Loan Amount)
Under your loan terms,you You may have other property costs.
❑ are scheduled to make monthly payments that do not pay all of Initial Escrow $680.26 A cushion for the escrow account you
the interest due that month.As a result,your loan amount will Payment pay at closing.See Section G on page 2.
increase(negatively amortize),and your loan amount will likely
become larger than your original loan amount.Increases in your Monthly Escrow $226.77 The amount included in your total
loan amount lower the equity you have in this property. Payment monthly payment.
❑ may have monthly payments that do not pay all of the interest ❑ will not have an escrow account because[I you declined it El your
due that month.If you do,your loan amount will increase lender does not offer one.You must directly pay your property
(negatively amortize),and,as a result,your loan amount may costs,such as taxes and homeowner's insurance.Contact your
become larger than your original loan amount.Increases in your lender to ask if your loan can have an escrow account.
loan amount lower the equity you have in this property.
® do not have a negative amortization feature. :-„
Estimated Estimated total amount over year 1.You
Partial Payments Property Costs must pay these costs directly,possibly
Your lender over Year 1 in one or two large payments a year.
® may accept payments that are less than the full amount due Escrow Waiver Fee
(partial payments)and apply them to your loan.
In the future,
® may hold them in a separate account until you pay the rest of the Your property costs may change and,as a result,your escrow pay-
payment,and then apply the full payment to your loan.
ment may change.You may be able to cancel your escrow account,
❑ does not accept any partial payments. but if you do,you must pay your property costs directly.If you fail
If this loan is sold,your new lender may have a different policy. to pay your property taxes,your state or local government may(1)
Security Interest impose fines and penalties or(2)place a tax lien on this property.If
You are granting a security interest in you fail to pay any of your property costs,your lender may(1)add
224 WINTER ST,HYANNIS,MA 02601 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
You may lose this property if you do not make your payments or benefits than what you could buy on your own.
satisfy other obligations for this loan.
C�Dl 18566.582 CLOSING DISCLOSURE PAGE 4 OF 5 LOAN ID#1217021618-6
Loan CalculationsOther Disclosures
Total of Payments.Total you will have paid after Appraisal
you make all payments of principal,interest, If the property was appraised for your loan,your lender is required to
mortgage insurance,and loan costs,as scheduled. $343,700.08 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
Finance Charge.The dollar amount the loan will information listed below.
cost you. $139,876.08
Contract Details
Amount Financed.The loan amount available after See your note and security instrument for information about
paying your upfront finance charge. $197,719.28 . what happens if you fail to make your payments,
• what is a default on the loan,
Annual (APR).Rate Percentage Your costs over
g ( ) • situations in which your lender can require early repayment of the
the loan term expressed as a rate.This is not your loan,and
interest rate. 3.942% • the rules for making payments before they are due.
Total Interest Percentage(TIP).The total amount - Liability after Foreclosure
of interest that you will pay over the loan term as a If your lender forecloses on this property and the foreclosure does not
percentage of your loan amount. 66.761% cover the amount of unpaid balance on this loan,
❑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.
Questions?If you have questions about the Refinance
Refinancing this loan will depend on your future financial situation,
loan terms or costs on this form,use the contact
the ro p perty value,
a ue,and market conditions.You may not be able to
information below.To get more information refinance this loan.
or make a complaint,contact the Consumer
Financial Protection Bureau at Tax Deductions
www.consumerfinance.gov/mortgage closing 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.
Lender Mortgage Broker Real Estate Broker(B) Real Estate Broker(S) Settlement Agent
...... ..._. ... :..
Name UNITED WHOLESALE HOMESTEAD MORTGAGE TODAY REAL ESTATE TODAY REAL ESTATE DUBIN&REARDON
MORTGAGE LLC
Address 1414 EAST MAPLE RD 1600 FALMOUTH ROAD 1533 FALMOUTH ROAD 1533 FALMOUTH ROAD 1645 FALLMOUTH ROAD
TROY,MI 48083 CENTERVILLE,MA 02632 CENTERVILLE,MA 02632 CENTERVILLE,MA 02632 SUITE 4A
CENTERVILLE,MA 02632
NMLS ID NMLS#3038/MA NMLS#153492/MA 3005 3005
MORTGAGE BROKER MORTGAGE BROKER
MA License ID _ 136580
Contact TIMOTHY BARR DEBORAH DEL NEGRO DENNIS CONNORS FRANCES J.DRONEY
Contact NMLS ID NMLS#188536/
MA:M L0188536
Contact 9502770 9034290 653513
MA License ID
Email TBARR@MYHOMESTEAD DDELNEGRO@TODAYRE DCONNORS@TODAYREA FRAN@DUBINREARDON.
_ MORTGAGE.COM _ ALESTATE.COM LESTATE.COM COM_
Phone (800)981-8898 (508)221-4279 (508)367-0798 (508)360-3724 (508)771-0330
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.
J: =7
KEVIN J SU IVAN bate
18566.582 CLOSING DISCLOSURE PAGE 5 OF 5 - LOAN ID#1217021618-6