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3749 Saltmarsh Loop - BR18-002659 - FenceN. CITY OF S.kNF0RD FIRE DEPARTMENT JUN' Z Building & Fire Prevention Division IDENTIAL FENCE PERMIT APPLICATION J Application No: 6 -0 5 Documented Construction Value: $ T aq,) S-o Job Address:3-)%4q Sa l-marsh LOOP _%' r -3Htori District: Yes No Parcel ID• Plan Review Contact Person: Phone: , 4_1_595_3M Fax: Email: Title: Residential Fen Information Type of Fence: Wood Metal PVC/Vinyl [Iron Other Fence Height: 60 Feet # Gates: Total Linear Feet: I 1 -1- Additional Information: Fences with a height of over 6 feet will require signed & sealed structural engineering" 0.--- Property Owner Information y Name JCQL Pay-nancie2— Phone: z 1+__C 95_ Street:34-LKI -Sal+maY5h 1001Q Resident of property? JQCity, State Zip: rd I F-1-- 3j 21a7 3 J Fence Contractor Information c -7Name ` C l e-1 Phone: S '-'J T 0 Street:'RUD:) I' N k'l 'il Fax: 293- % 01 k City, State Zip: QUO t 'F- 3 2&3-:7- Please Note: The Building Department does not perform site inspections on Residential Fence permits. A signed and notarized Fence Affidavit is required to be submitted along with this permit application. Please see the attached Fence Permit Submittal Guidelines. WARNING TO OWNER: YOUR FAILURE TO RECORD A NOTICE OF COMMENCEMENT MAY RESULT IN YOUR PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. A NOTICE OF COMMENCEMENT MUST BE RECORDED AND POSTED ON THE JOB SITE BEFORE THE FIRST INSPECTION. IF YOU INTEND TO OBTAIN FINANCING, CONSULT WITH YOUR LENDER OR AN ATTORNEY BEFORE RECORDING YOUR NOTICE OF COMMENCEMENT. Effective: August I, 2017 Application is hereby made to obtain a permit to do the work and installations as indicated. 1 certify that no work or installation has commenced prior to the issuance of a permit and that all work will be performed to meet standards of all laws regulating construction in this jurisdiction. 1 understand that a separate permit must be secured for electrical work, plumbing, signs, wells, pools, furnaces, boilers, heaters, tanks, and air conditioners, etc. FBC 105.3 Shall be inscribed with the date of application and the code in effect as of that date: 51D Edition (2014) Florida Building Code NOTICE: In addition to the requirements of this permit, there may be additional restrictions applicable to this property that may be found in the public records of this county, and there may be additional permits required from other governmental entities such as water management districts, state agencies, or federal agencies. Acceptance of permit is verification that I will notify the owner of the property of the requirements of Florida Lien Law, FS 713. OWNER'S AFFIDAVIT: I certify that all of the foregoing information is accurate and that all work will be done in compliance with all applicable laws regulating construction and zoning. Apatf caner/Agent Date Signature of Contractor/Agent Date Name ANNETTE BLAND Notai y Public - State of Florida Commission # GG 060623 My Comm. Expires Jan 16, 2018 Z.(8 Print Contractor/Agent's Name Signature ofNotary -State of Florida Date Owner Agen is ersona y n w t or Contractor/Agent is Personally Known to Me or Produced 1D Type of 1D Produced 1D Type of ID BELOW IS FOR OFFICE USE ONLY PLAN REVIEWAPPROVAL: PLA/NN ING:., n ( o L HISTORIC: III .ItiI.Q.Ot.( T 1 % h} 0V1 Ql t 1 WI Effective: August 1, 2017 CITY OF S.ki4F01xD%j7D JVN 12 20% Building & Fire Prevention Division FIRE DEPARTMENT RESIDENTIAL FENCE AFFIDAVIT G FEET OR LESS IN HEIGHT) PERMIT #: 0— ADDRESS: ;-N- c I 4-_AA6trSy 1 L fCL ne yV3eCl M[,1 { a L.6 Z' , HEREBY AFFIRM THAT ALL OF THE FOREGOING INFORMATION IS TRUE AND ACCURATE. THE FENCE WILL BE INSTALLED IN THE APPROVED LOCATION AS SHOWN ON THE APPROVED SITE PLAN. THE FENCE WILL BE NO HIGHER THAN 6 FEET, MEASURED FROM GRADE. THE FINISHED SIDE OF THE FENCE IS REQUIRED TO FACE OUT. IT IS THE HOMEOWNER'S RESPONSIBILITY TO VERIFY THE FENCE IS PLACED WITHIN THE PROPERTY LINES AND ANY DISPUTES BETWEEN ADJACENT HOMEOWNERS WILL BE A CIVIL MATTER. I UNDERSTAND THAT FAILURE TO PROPERLY FOLLOW THESE GUIDELINES AND ADHERE TO ALL CITY CODES (SANFORD LAND DEVELOPMENT REGULATIONS, SCHEDULE F) COULD RESULT IN THE FENCE HAVING TO BE REPLACED, RELOCATED OR REMOVED AT THE OWNER'S EXPENSE. El FENCE CONTRACTOR BY SIGNING THIS AFFIDAVIT, YOU ARE ACKNOWLEDGING YOU HAVE MADE THE HOMEOWNER AWARE OF THE FENCE AFFIDAVIT STIPULATIONS AS STATED ON THIS DOCUMENT. COMPANY / CONTRACTOR: CONTRACTOR SIGNATURE: DATE' ( 0 HOMEOWNER (OWNER/BUIILDEE R/)1n OWNER/BUILDER NAME: T:;a Ili \.OS`-G V / ^ 1 ay-&e__, OWNER / BUILDER SIGNATURE. DATE: I ` PLEASE NOTE" THE BUILDING DEPARTMENT WILL NOT CONDUCT ANY INSPECTIONS ON RESIDENTIAL FENCES. THIS AFFIDAVIT MUST BE PROVIDED, SIGNED AND NOTARIZED, AT THE TIME OF PERMIT SUBMITTAL AND WILL SUFFICE AS THE FINAL INSPECTION APPROVAL FOR THE FENCE. STATE OF FLORIDA COUNTY OF SeMJ /yO ( -C Sworn to and Subscribed before me this 12 day of i )1 Q20 L by: RG tirbeSca Re rN4A1je Vho is 0 Personally Known to me or has 0 Produced (type of identification) L !) I-. as identification. Signature of Notary Public State of Florida Print/Type/ Stamp Name of Notary Public ANNETTE BLAND Notary Public - State of Florida 9 Commission # GG 060623 Z%; ;, MyComm. Ex it s n ugust . Zi17716, ?018 CITY OF SANFORD - Building & Fire Prevention Division FENCE PERMIT SUBMITTAL CHECKLIST FIRE DEPARTMENT (RESIDENTIAL ONLY) All permit application packages must be complete prior to acceptance. You must check each box to the left or indicate n/a on this submittal. A complete application package shall include the following: Fences must be compliant with the City Land Development Regulations, Schedule F O Fence Permit Application completed and signed. Application must include correct address and complete parcel I.D. number. D Copy ofa contract, signed by the contractor and the property owner, indicating the documented construction value (if the contractor is the applicant) O Copy of the Business Tax Receipt (if the contractor is the applicant). O Owner/Builder Statement/Affidavit O Certificate of insurance indicating worker's compensation insurance coverage and naming the City of Sanford as certificate holder, or a copy of a worker's compensation exemption issued by the State of Florida (must be submitted with each application if contractor is the applicant). O Indicate the number of linear feet, height, number of gates, and type of material on application. O Two (2) copies of site plan indicating where the fence will be located on the property. 0 Fence Affidavit, signed and notarized Repairs No Permit is requiredfor Fence Repairs. A Fence Repair is qualified by one or more ofthefollowing: Replacing individual slats; no more than 10% of the entire fence Replacing a section; no more than 3 sections of the entire fence. A section is defined by the fencing material between 2 posts. Replacing a post; no more than 4 posts total. Posts must be placed in or directly around the removed post without encroaching on neighbor's property. Replacing a gate Please contact the Building Division if you have any questions on Fence Repairs" These guidelines were compiled to assist the applicant in preparing a fence permit application and may not be complete. The applicant is required to meet all City ofSanford codes and requirements. Effective: August I, 2017 Dioredt- www.fencedirecffl.com 9867 S.Orange Blossom Trail Orlando, FL 32837 Tel: 407.857.5770 Fax: 888.283.7012 Insured / Bonded T No. ESTIMATE /CONTRACT Estimate Date: 6 - i - /CS Estimate Valid For CFENCE INFO: 1 ( GATES: 1 PVC (Vinyl) Aluminum Steel (Montage) Wood Chain Link Res.Comm. Res.Comm. Res.Comm. Total Linear Feet 117 Post Caps: S4 c,'n C* < Fence Height b Color: Style/Model (-) x b p r L T,: C-) Fence to follow 12ContourofGround Fence to Top Level Removal & Disposal D of Existing Fence ft Clearing of Fence YES No Line Needed V Clearing to be Ov mer Fence Direct done by. HOAApproval Req. YES NO j Permit Required YES NO r. S 4ft. Walk _t_ 8ft. Double 5ft. Walk 1 1Oft. Double OTHER: Type: Size: Qty: Estimate Amount: Fence Directwig assist becustomer upon request, Indetafninft Where 11% fence IsIo, be eWW. but underno drcu,,M e does FmceDirect assume awl responsibility corcembig property bes orbi anyway quaranteetheiraccuracy. N property p1m; cannot be WAM. If Is recornmended But the customer have the property surveyed. Face Directwill assume The responsWfor bating underground cablesand utF*s. Fence Omen Is not responsible for any sp Wdasat otherunmaead bodedMes 00 maybecW ordamagedduring Bone Inswasm process. PaymentIs threat the Bme o1 Comp"M ofwork andaraancedwpof2% per month shall be appfed to all accounts not papaIn full within 7 daysof completion. AD materialwa remain the property o1Face Direct tort payment Is received b fdRVd of access andremoral is yarded to Farce Dbat In the event of nonpayment per the terms of tits Contract. The customs aWm to pay all Interestand any cost IncurredIn the collation oftits debt indudeqattorneys tors. Nthe buyer reh= to allow the sellertobegin wo* or completework alreadybWAOrto accepl materialscontracted tor. Buyer agreesto paySeller Wdd&ddamagesof a sum equal to 35%of erdlreContract price. pluscost of matafalsandhour alreadyfamishedor inprogress. RIGHT TOCANCEL: PerFknfWand FederalConsumer statues thiscontract maybe cancelled by eitherthe buyer or the sellerinwOVby midrdpldof the UN W6bmessday afterOFft, orbymal postmaead no later than 3k&= daysalter sVft. Customer assumes U responsibility for obUWO hmwwms assodaton approval for the type and location at tence. AccordaptoRO W'sCMMCdMfalaw( sectlart713.OD1.713.37.RorWastatues).BosewhoworkahyouWoperyorprovidematerialsandarenotpaidinladhaveadptoerdwAtmeird6nforpaymentagabWyourproperty.ThispalmIsItnomasaCoemsuuction Ben. N yawconbactworasutcadramfatstoprysubcontractorsormaterialssupp8asorneglectstomat¢ other tegaDy requhed payments, the people Who are owed moneymay look to your properly forpayment even N you have paid Comstnoon In h4 N youfat topay youcahbaclor. your contractor may also have a ten on youproperty. This mearms N a fen is tied yourproperlycor0e be stud against yourto pay your labor. materials. or otter services toyour contractor or a subcahbactor may havefated to pay. Rw W's construction im law Is Compton and It Is raarrnerhded cud whom a specdc Problem arises, YOU Consul an add*. NDTICE TO PURCHASE OF WOOD FENCES Want fence materials art rotO mill all pleces Ward fences has a teMency to Oft and warp In hat bardd weather and wit gaps Coll appear betwan boards. Cow In the ward area Common axummce. Woodfence malubb have no warranties. FOR INTERNAL USE ONLY Date Installed: Installer: Locates #: SPECIAL NOTES: G< JnCr'E' e Gt f CONTRACT AMOUNT: $ 7-1y SG DEPOSIT AMOUNT: $ SD BALANCE DUE UPON COMPLETION: $ l n U U APPROVED & ACCEPTED BY: Locates Date: THIS CONTRACT IS YOUR INVOICE. CUSTOMER CONTRACT DATE: FINAL BOUNDARY SURVEY c tVInWYNDHAMPRESERVE11 LOT 138 p00VI Pa 81. PG 93) X' E ~ 0-%a a= S89'40'5119 330.00' SALTMARSH 198.o0' 8 NConnor/ LOOP gLINE50' RIGHT-OF-WAY PCP ONC C(PRNA7E ROAD) onp on m CONC SIDEWALK f7R B9, 15 IL-V Sro war CONCRETE, co p AMT BASEMENT(P) 18. 0' to o t 20. 7 L%% - F.teo O 0 PORG11 2 STORY '' iV o RESIDENCE C Jt VLOT 139 3776 SALTMARSH LOOP Di w LOT 137 V FFE-31aa Cj j1, V O( Q e. o' 2ao PA110 0d IS. 1 VV i 04 to. o— A/C PAD w 2LOT 138 AREA a 4, 400 S.F. /- f7R I IRR wow 151 OW Pft 1AT144LOT145LOT 146 BaBdtng Setbacks SNbocta Per eonstnMbn plans Isr BUl1JDING LAYOUT NOTM iM'rNDI" •' I of Sonford. Contractor and ownerCr arofoveryallSomineteCevnly. norlda. setbacks, building dimsnslans, and layout Front 25• DMIENSION NOTE: shown hereon prior to any construction, and Row ZW Proposed building dimensions In add" GsePoirA Surveying, Inc. of Sib w Y shown hereon are of the exterior. aM douto n from Intoma9on shown Mreon. Failure to do so wW be at users sole Ask I. 16cff ;ADldssp /pwrgt/DUdle/yd SURVEYOR'S NOTES: c°n' PREPARED FOR: epCp:%1ra" RO' t. arm4 OW Information en the subject properly bud 0-lracrlotion Metes P Pave` A hnn'w" m wn+r•e. to . at the W. ASHTON WOODS P - Phot say FFE-Mbb veer `,Lu.9at thlt Fo J'• b srA)Mto tlW rnba ond/er 0rricbl wcads Beal bra -water vo rapnrsenlaWns a auwant.e teo.wnwrbtralows , P.B.-Plat Bow -f'Ye N70ranl Apbw-ef-sey, set bocx uses, FLOOD ZONE: aprwemems, Pu•-Pase fir-Redobned water wm and otMr strew nwM.re. The properly shown hereon Is on the Federal uArno -Cows a e water vw.e Z TMb ew.q b undue to below Agency's Rood Insurance CameBsbrrprprenrsnte, od Urst nalhbnp bsbw the round Emergency Management e BP- ® Orkh Pow- Bed locatedb dudhp but not BNtsd to fewrdolbs (halbpa), Rote Mop Ponel Number 12127C-D76SN_ in Flood rFI- FHshod Fboar t7mos, 0p-Mtn Fhb ? M DeOhmrwslherwn we in lost and one rsfsrwe d to Zone ')j• am--c, al yeosps odd -0" Pule pot. UrWOK GE arm Von" Qum R IVA (ND+em UJ:.-Pnaec UIIs rsanrerx ( -Gra Anrdrer 4• 7hb Sung b w µi to nrWre down en are pled .f RW-Rebferp0VnitsWmPry`, Car of SaNwd Sendne Pve-Pdy,ege ada,bd• np. o-ste,a"'0s;. r ,hde n•'rdD' DESCRIPTION: LOT 138, according to the plat IRS 1. Deraw Sol (rob b baby) O-Sonit- se.sr Me" A Adddlsns or Geblbns b curvy moPs or repeAs !1' sr-SgranrootV.I. -Ebeb4 Ibendhele valet then tM denbv P•r0' er p .19 a paV or of "1NYNDHAM PRESERVE" thereof as u.E- ty Eeomest Goo -Glom Out without the wAtter caornt d tare eiprbrp pal or mcD-mAGaOWIcveabrgetbnc.nbw war. Miles recorded In Plat Book 81, Page 93 of the Public SIRPJL PartsKahnNoF-Mr e. 7Ne wwy b Intended to be dbpbyed at r' - 2d. Records, Seminole County,Florida SIR -Sol1/2, Ire. Red Lon" RO-Goto wrier Volvo 7. Au OewrOery use• dlnonbre on nW m aunsi nit SolPXaDisk1a77ee {,as meter urdses otherwise rated nR-FO-W 1/2' ben Rod Lanes ;e-- nP-Found boa Pb. te77ea a-r—lb"MVolvo LnstDate olFieW 3 PKO-ForndJt. ws t 1a770e .-lb no. dreeuwe • 05 22 2018 555 VVUWeday Race. Suite 108 ray-mro-nyery .4 concrete Q t_.P rapBoOel aDeft. Grad. By A Malsand. FL 32751 NOW. sorie I4rru 7bi aboveIjam" "- " bs o wos rnndtvl .r h meeb Us Stordords of Pl.: (321) 270.0.0 REVISIONS a" w yy Va. Bead or Pat , A Fax: (813) 248.2260 Descri tkon te C r•PW17, raft A**ftt auw Licensed Business No. LB 7768 Dote Dwn. Ck d P.C. Order No. . norms Statutes. GeoPoint Surveying, Inc. LSs915 I Drawn: RCAI Checked: JDL I P.C.: Dote FSs:6bac,*.rd era IttPPERetaNorVALID WIIIVA tHE MMURE AND 7W oRICDNI Date: os/23/ts :arsdal-Isltl 0rder Na.: — SEC. 17 - 7WN.20 S. - RNG• 31 E. I F7em al. _ Ha11Ab a Sete.ese Semodz P. cwwbucwn own Ter 0 Gr or swdW , sawZrMY eeA b WAW) LOT 139 wirer so W" wft qew FINAL BOUNDARY SURVEY WYNDHAM PRESERVE t.DT 138 PB 81. PC 93) 4= S8740'51'W 330.00' tPm SALTMARSH LOOP a loaoo' PCP50' RICHE -OF -WAY X cWtq`(PRNATE ROAD) g $ e ri b_ — a O iCONc SIDLK" t — 4 2STORY RESIDENCE 3776 SALTMARSH LOOP FFE- 31.1V BAS®MOrI' Iv, LOT 137 A/C PADT OD.D w LOT 138 + AREA w 4AW S.F. +/- AW ' 1F7R sagso s>' Id)T I" LOT lay LOT 146 atoaaDlo IAY01ur Nora, tenbaetsr and odna -- to —" otl eelbocb, tni0dlrq dlmendore, and loyootDDd18IONNo7l'Er Propopd building dlrmntlone b.reew to as coALuctibm and to= SeneYbq to oIon1tlmmshownhereonareoftheesterlor. Fo1Wre Te do w wltl W d usm's eow riskWbeutlonelver, a vwx SURVEYO S NOTESr PREPARED FOtsa=nab ASHTON WOODShbewq, wd b subjm b Nb Flew wd/erwtGNP** m&W.WeA'4 I. melt' no boat tbR rf b FLOOD ZONE? go- nib awry b 6rdbd b alww ywop „ywb The Mowly shown hereon b on the Federal F+^ergenrywwrrdswwtMnetldrqsolo. Ue Wv. Out Fla drdbd to tbwdslbeo (hobW)j, Management a nood hwaonceRooMOPPawlNumbs In Flood rtollere o0een Aaoon a b Zone0b1nWAItqOEOO[1m1C0 Dt1UL sw(gwa DIMY A[IIVC, b she don an the od Mdp' M Soidwd ewrdrele Gouny. b. w r D b or nowbdd^e+ b DESCRIPTION: LOT 138, according to the plat Of-WYNDHAM PRESERVE" thereof asu» or uo recorded in Plat Book 81, Page 93 of the Public s otlirebo nebd Records, Seminole County, Florida 00o vvmoerroy v,ses. OuAs 109 d hAaltlartd, FL 327Stm3lmdmd Phone: (321) 27o oWdofProo"" Fax: (813) 248-2260 ift A& jiftbes Uxwow &Mtness No. LB 778s GeoPoint Surveying, Inc. tK LS6915 DrRG ChDob renebmseb OowOS/ 7J/1s .msOrdr Na:tD THE01010ESEC. 17 — 7W 20 A — RN;. 31 E I Fw,d ak fbc m o rtgiag e Q 5/22/2018 MINOR d 665 Sabal Lake Drive 105 longwood, FL 32779 RE: 1106175921 3749 SALTMARSH LOOP Sanford, FL 32773 Dear Franchesca, Your loan closing has been scheduled for 05/25/2018. Enclosed please find the Closing Disclosure statement for this transaction. Based on the information and figures currently available, this document represents our best efforts to provide an accurate representation of fees, charges and cash back to you or cash required at closing, as applicable. If any final fees or loan terms are adjusted or change before your closing date, you will receive an updated Closing Disclosure. This Closing Disclosure is being provided to you in an electronic format. Simply follow the directions to ESign indicating your acknowledgment and receipt. The executed disclosure must be returned to us in order to proceed to closing. Your prompt attention is appreciated. Please contact your Loan Officer, Karen Grim at kgrim@fbchomeloans.com or 813-695-2964, should you have any questions regarding the closing process or enclosed disclosure. We look forward to completing your loan transaction. Kindest Regards, Closing Department FBC Mortgage, LLC 1408 N Westshore Blvd, Suite 805 Tampa, FL 33607 NMLS # 152859 Rev.06/13/2017 CD Cover Letter ESign (Retail) ii.': iftiJ SCPA Parcel View: 17-20-31-502-0000-1380 Page 1 of 2 A%JWz0= ax Property Record Card I Ar R Parcel: 17-20-31-502-0000•1380 r+aruexxNry rtaraa Property Address: 3749 SALTMARSH LOOP SANFORD. FL 32773 Value Summary 2018 Working Values 2017 Certified Values Valuation Method Cost/Market Cost/Market Number of Buildings 0 0 Depreciated Bldg Value Depredated EXFT Value Land Value (Market) 45,000 14,000 Land Value Ag Just/Market Value " 45.000 14,000 Portability Adj Save Our Homes Adj 0 0 Amendment 1 Adj 0 0 PEG Adj s0 0 Assessed Value 45.000 14,000 Tax Amount without SOH: $266.58 2017 Tax Bill Amount $266.58 Tax Estimator Save Our Homes Savings, $0.00 Does NOT INCLUDE Non AdValorem Assessments Legal Description LOT 138 WYNDHAM PRESERVE PB 81 PGS 93-102 Taxes Taxing Authority Assessment Value Exempt Values Taxable Value County General Fund 45.000 s0 45.000 Schools 45,000 0 45,000 City Sanford 45,000 0 45.000 SJWM(Saint Johns Water Management) 45.000 0 45,000 County Bonds S45,000 s0 45,000 Sales Description I Date Book Page Amount Oualified Vac/Imp SPECIAL WARRANTY DEED 8/1/2017 08965 1 0155 3,606,000 I No I Vacant Find Comparable Sales Land Method Frontage Depth Units Units Price Land Value LOT 0.001 0.001 45,000.00 1 $45,000 Building Information Permits Permit f/ Description I Agency Amount I CO Date Permit Date 02477 NEW HOME ISANFORD 279.631 8/14/2017 PwMt daU dws not Q"ts Rem"3NNnoM Ceenty mpsttyAppralsefs wnw. rwdellsw Ouasumso snengap„ma teasscomsc. oA wmm p o.v...n-n. -.... ,....,,...................,, .... t Extra Features http://parceldetail.scpafl.org/ParcelDetailInfo.aspx?PID=l 7203150200001380 6/12/2018 Loan Calculations Dthpr Discic Total of Payments. Total you will have paid after you make all payments of principal, interest, 530,494.12 mortgage insurance, and loan costs, as scheduled. Finance Charge. The dollar amount the loan will 274,581.55 cost you. Amount Financed. The loan amount available after 247,314.20 paying your upfront finance charge. Annual Percentage Rate (APR). Your costs over the loan term expressed as a rate. This is not your 5.936 % interestrate. Total Interest Percentage (TIP). The total amount of interest that you will pay over the loan term as a 90.515 % percentage of your loan amount. 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.consumerfinance.gov/mortgage-closing is ia-Y+n.•W a lY 111/.MwO Mt YMs+yMt'.Vn7?, .r.s r .s. «., Contact Information Address NMLS ID FL License ID Contact — Contact NMLS ID Contact FL License ID Email -- ---- - - Phone -------------- 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. Lender Mortgage Broker Real Estate Broker Real Estate Broker owSettlement Agent FBC Mortgage, LLC Fidelity National Title of Florida, Inc 1408 N Westshore Blvd, Suite 805 2310 E Robinson St - Orlando, FL 32803 Tampa, FL 33607 152859 MID6182- ----- A090982 Karen Grim Falon Cox657367 L037945 kgrim@fbchomeloans falon.cox@fnf.com com 813-695-2964 407-370-0027 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. Foosusgir0F- 4--@ 5122/201$116:53:18 PDT pp scan Mignature Date CLOSING DISCLOSURE • GTRIDCDWS_S 0617 III II' I I III I II I I I II II I II (II I' I I I II III Page 5 of 5 • LOAN ID u 1106175921