closing instructions for loan 600298971 attention: …

CLOSING INSTRUCTIONS FOR LOAN 600298971ATTENTION: CLOSING/ESCROW AGENT

MORENOLoan #: 600298971MIN: 100853706002989711

The Closing Agent, which includes the person and company responsible for conducting the mortgage loan closing for the loanreferenced above, must follow the Closing Instructions below and attached herein.

By conducting the closing and accepting payment for such services, Closing Agent confirms that it has complied with allClosing Instructions set for below and herein. In the event the Closing Agent fails to close this mortgage loan transaction inaccordance with the Closing Instructions, including the Important Information below, Closing Agent will reimburseloanDepot.com, LLC (the "Lender") for any out of pocket costs resulting from such failure.

IMPORTANT INFORMATION:

The Closing Agent must return the original wet-signed Note along with all executed lender documents, includingpartially signed documents, to the Lender whether the loan is fully consummated or if the closing is rescheduled, fails toconsummate, or borrowers indicate they will or do rescind the transaction within 48 hours of signing or receivingdocuments from the consumer at the following address:

loanDepot.com, LLCAtten: Collateral Department25500 Commercentre Drive, Suite 100Lake Forest, CA 92630

Please provide the Lender a copy of the package tracking label for reference.

A Final Settlement Statement (ALTA) and/or a Disbursement Ledger must be provided to the Lender within 48 hours ofdisbursement. If for any reason this loan does not close and/or disburse on a wet funding or disburse on a dry fundingwithin 48 hours of your receipt of funds, return all funds to the party that wired the funds. Funds should only bereturned directly to loanDepot.com, LLC if loanDepot.com, LLC wired the funds.

Prior to having the consumer execute the Note and Security Instrument, the Closing Agent will have the borrowerexecute the Borrower's Declaration (Form 23858). If the borrower refuses or is unable to attest to this document, theClosing Agent will suspend the closing and immediately contact the Lender.

For purchase transactions, the Closing Agent must provide the Lender with a copy of the final Seller ClosingDisclosure.

Closing Agent is responsible for confirming borrower does not pay more than the actual government recording costs.

If the actual recording costs are less than the amounts disclosed on the final Closing Disclosures, the ClosingAgent must refund the overcharge to the borrower(s) and provide loanDepot with evidence of the refund and afinal Settlement/Disbursement Statement within five (5) business days of the recording date.

If the recording office does not stamp the recorded documents, the Closing Agent must provide loanDepot withan invoice of the actual recording charges within five (5) business days of the recording date.

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MORENOLoan #: 600298971MIN: 100853706002989711

IMPORTANT NOTE FOR DOCUMENT DELIVERY!PLEASE READ!

The shipping label for returning signed documents must read:

loanDepot.com, LLCAttn: Collateral Department25500 Commercentre Drive, Suite 100Lake Forest, CA 92630

Note: Failure to deliver the closed loan package within 48 hours may result in Lender' s inability to meet an Investor' sdelivery deadline, requiring your financial reimbursement (to Lender) for any expenses or penalties.

Thank you for your attention and cooperation in making this closing a successful one.

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NOTARY ATTESTATION TO QUALITY

MORENOLoan #: 600298971MIN: 100853706002989711

Check each box to confirm the following has been reviewed and completed. Sign and date the bottom of this form.

Notary to validate that the following practices have been executed in the doc package:

Confirm address and borrower name(s) on documentsBorrower names must match their vesting on title

Have all parties sign consistently throughout the packageBe sure signature affidavit matches signature throughout

Confirm all borrowers sign and date where Date field is indicatedConfirm the date is written on all documents that have "Date" fieldsFor loans closing in a trust, ensure the borrower dates the Deed of Trust/Mortgage/Riders and RTC (if applicable)

Pay close attention to Right-to-Cancel dates - Incorrect dates will re-open rescission and delay fundingBorrower may correct dates only with borrower initials, when applicable

Complete notary acknowledgment sections, including stampConfirm or correct and initial closing county, if applicable

Instruct the borrower to "check boxes" when choices existExamples include Appraisal Notification and state specific forms, such as the CA Per Diem Form

If signature line includes POA verbiage, signor must execute exactly as signature line indicates (no abbreviations).If documents do not reflect POA verbiage, and borrower wants to sign via POA, LD must be notified immediately forupdated documents to be provided. No alterations to documents will be accepted.

Notary to validate that the following mistakes are not present in doc package:

Do not add signatures or dates on documents where not indicated

Do not permit Borrowers to "under-sign" a different name than currently printed in doc package.

Do not allow a "non-borrower" to sign the NOTEUnless NOTE specifically has a signature block for them

Please confirm the Borrower does not sign the Notice of Right-to-Cancel under "I wish to cancel".Unless they intend to rescind the transaction - *This action results in a complete cancelation of the loan*

Do not allow anyone to write-on or mark-up documents

Do not change numbers or terms on the documents - Please reach out to loanDepot instead to rectify.

For loans closing in a trust, do not permit borrowers to write the word "trustee" in their signature, the borrower should only signtheir name on all signature lines.

If signed incorrectly, loan will require a complete redraw.

NOTARY/ATTORNEY SIGNATURE:I hereby certify with my signature that I have complied with all aforementioned loanDepot Notary policies and procedures that assistloanDepot in providing an excellent customer service experience.

Sign:

Date:

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CLOSING WORKSHEET Loan #: 600298971 Investor: LOANDEPOT.COM, LLC Lender: LOANDEPOT.COM, LLCLoan Program: 81680CONV SELECT FIXED 20 YEAR(W2 ONLY)

Type of Loan: Conv FHA VA RD

Purpose of Loan: Purchase Cash-Out Refi. No Cash-Out Refi. Construction Only Construction/Perm HELOC

Program Type: Conforming Non-Conforming

Amort: Fixed ARM Repayment Options: Interest Only Balloon Buydown MERS #: 100853706002989711New Construction: Yes No Occupancy: Owner Second Home Investment Lien Position: First Second

BORROWER/SELLER INFORMATIONBorrower First Name Middle Name Last Name Suffix SS # Gender

1st ISMAEL MORENO 455-80-6742 HE2nd MARIA DOLORES MORENO 572-04-3315 SHE

Phone: (408) 270-1086 Vesting: ISMAEL MORENO AND MARIA DOLORES MORENO, HUSBAND AND WIFE ASCOMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP

Street Address City County State ZipMailing: 5296 CREEK EST SAN JOSE CA 95135

UNITED STATESProperty: 5296 CREEK ESTATES SAN JOSE SANTA CLARA CA 95135B1 AKA:ISMAEL MORENO ISMAEL J MORENOMORENO,ISMAEL,D

B2 AKA:MARIA D MORENO MARIA DOLORES MORENO

VA Relative Name: Address:Seller First Name Middle Name Last Name

1st Builder: Loan Processor:Loan Closer: JODI PETTIT Loan Officer: LORI ACKERMANCloser Phone: Closer Fax: Closer Email: [email protected]

PUD CONDO Name:PUD Declaration:

RIDERS Adjustable Rate Balloon VA Condo PUD Second Home 1-4 Family Biweekly Other(s):

TITLE/ESCROW INFORMATIONTitle Company: ATLAS TITLE AGENCY, INC.Address: 1 CORPORATE PARK, SUITE 200 City: IRVINE State: CA Zip: 92606-Title Officer Name: DAWN CASTANEDA Phone: (949) 946-5240 Fax:Escrow Co.: ATLAS TITLE AGENCY, INC.Address: 1 CORPORATE PARK, SUITE 200 City: IRVINE State: CA Zip: 92606-Escrow Officer: DAWN CASTANEDA Phone: (949) 946-5240 Fax:Trustee: LAWYERS TITLE COMPANYAddress: 16755 VON KARMAN AVE SUITE 100 City: IRVINE State: CA Zip: 92606Title PolicyEndorsements

3R and 5 6 (ARMS) 4 (Condo) 6.2 (Neg Amort) 5 (PUD) 8.1 (Environ) Location Comprehensive Other:

Prelim Date: 09/16/21 Escrow #: CA-2109-015388- Tax Message: TO BE PAIDCURRENT

Schedule B Items:

Parcel ID(s): 660-37-075

ASSIGNMENT/PAYMENT INFORMATIONAssignee Name: LOANDEPOT.COM, LLCAddress: PO BOX 5710 City: CHICAGO State: IL Zip: 60680-5681Assignment Date: 10/18/21 Assign. Loan #: Phone: (888) 337-6888Assign. Officer: Assign. Title:Corp. Officer: Title: CORPORATE OFFICERCorp. Officer: Title: CORPORATE OFFICERPymt To: LOANDEPOT.COM, LLCAddress: PO BOX 5710 City: CHICAGO State: IL Zip: 60680-5681 Phone: (888) 337-6888

LOAN INFORMATIONLoan Amount: $227,500.00 Late Charge Percent: 5.000% Est Closing Date: 10/18/21Sales Price: Late Charge Days: 15 Rescission Date: 10/21/21Appraised Value: $700,000.00 Late Charge Min: N/A Disbursement Date: 10/22/21Interest Rate: 2.375% Late Charge Max: N/A 1st Payment Date: 12/01/21Loan Term Months: 240 Loan Number: 600298971 Balloon Maturity Date:Loan To Value: 32.500% VA/FHA Case #: Document Date: 10/18/21Base Loan Amount $227,500.00 FHA Suffix: Lock Date: 09/21/21Interest Only Months: 0 FHA Section: Lock Expiration Date: 10/21/21HELOC Initial Advance: PMI Certificate #: Application Date: 09/28/21Monthly Principal and Interest: $1,191.72

SECONDARY MORTGAGE INFORMATIONLoan Amount: Term Months: Interest Rate: %Payment: Lien Holder: Lien Trustee:

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ADJUSTABLE INFORMATIONMargin: 0.000% 1st Change Min Int Rate: % 1st Change Max Int Rate: % Periodic Cap: %Max Int Rate: 0.000% Adj. Period Months: 1st Rate Change: Index: 0.000%ARM Index: Initial Fixed Period Months: Fully Indexed Rate: 0.000% Life Floor: 0.000%Negative Amortization: NO Fixed Rate Negative Amortization: NO Pymt. Periodic Cap: 0.000% Pymt. Periodic Floor: 0.000%Principal Life Cap: 0.000% Pymt. Adj. Period Months: 0 1st Pymt. Change Date:

Buydown: Yes No % for Months % for Months % for MonthsBuydown Federal Disclosure Behavior: NothingDepositor: NONE

CONSTRUCTION PERIOD INFORMATIONConstruction Term Months: 0 Construction Rate: N/A Construction Rate Type: N/AConstruction 1st Payment: Construction Maturity: Construction Max Rate: N/AConstruction Interest Charged On: N/A Construction Min Rate (Prime Rate Plus): N/A

CLOSING FEESAff = Paid to Affiliate Type B = Borrower, S = Seller, L = Lender, R = Branch, K = Broker, O = Other N = Not Using Lender Identified

LF = Lender Financed RF = Required Fee TC = Tolerance Classification (0 = No Increase Allowed, 10 = Ten Percent in Total, GF = Good Faith/Can Rise)

Sec. Fee Aff Total Paidby Borrower

Portion PaidBefore Closing

Total Paid byAlternate Payer APR N LF RF TC

A % OF LOAN AMOUNT (POINTS) - 0A LENDER PAID BROKER COMP to C2 FINANCIAL

CORPORATION- $3,412.50 (L) 0

A UNDERWRITING FEE to LDWHOLESALE - $995.00 APR 0A to YIELD SPREAD PREMIUM PAID BY LENDER TO BROKER

$3412.50 (P.O.C.)- $3,412.50 (L) 0

B CREDIT REPORT FEE to C2 FINANCIAL CORPORATION - $68.00 0B FLOOD CERTIFICATE FEE to SERVICELINK NATIONAL

FLOOD LLC- $10.00 APR 0

B MORTGAGE INSURANCE PREMIUM - APR 0B TAX SERVICE FEE to CREDCO CORELOGIC - $68.00 APR 0B TITLE-LENDER TITLE INSURANCE to ATLAS TITLE

COMPANY- $315.00 10

B TITLE-NOTARY FEE to ATLAS TITLE COMPANY - $150.00 APR 10B TITLE-SETTLEMENT/CLOSING FEE to ATLAS TITLE

COMPANY- $350.00 APR 10

E GOV'T RECORDING FEE to COUNTY RECORDER - $322.00 10F HAZARD INSURANCE PREMIUM (3 mo.) to LIBERTY MUTUAL

INSURANCE- $466.25 GF

F PER DIEM INTEREST ($14.80 per day from 10/22/21 to11/1/21) to LDWHOLESALE

- $148.00 APR RF GF

F CURRENT PROPERTY TAXES DUE (6 mo.) to COUNTY TAXCOLLECTOR

- $4,314.13 GF

G HAZARD INSURANCE $155.42 per month for 0 mo. GF

G COUNTY PROPERTY TAXES $719.02 per month for 0 mo. GF

G AGGREGATE ADJUSTMENT GF

CREDITSTotal Lender Paid Fees: $1,285.38 Lump Sum Lender Credit Amount Included in APR: N/A

+ Lump Sum Lender Credit Amount Excluded from APR: $1,285.38 Lump Sum Lender Credit Total (APR plus non-APR): $1,285.38

Total Seller Paid Fees: Lump Sum Seller Credit:Total Third Party Paid Fees: Lump Sum Third Party Credit:

LE DISCLOSUREEarly LE Sent on Date: 10/18/21 Latest Disclosed APR: 2.450% Current APR: 2.450% Latest Disclosed Finance Charge: $60,234.77Redisclosed LE Mailed on Date: Redisclosed LE Accepted by Borrower Date: Current Finance Charge: $60,234.77Number ofPayments

Total Payment (P&I @ Rate + MI)Due

BeginningIncluded in APR Calculation

239 $1,191.72 ($1,191.72 @ 2.380% + $0.00) 12/01/211 $1,192.69 ($1,192.69 @ 2.380% + $0.00) 11/01/41

UNDERWRITING FEE $995.00FLOOD CERTIFICATE FEE $10.00TAX SERVICE FEE $68.00TITLE-NOTARY FEE $150.00TITLE-SETTLEMENT/CLOSING FEE $350.00PER DIEM INTEREST (10 days) $148.00

Total of Payments: $286,013.77 Total Prepaid Finance Charge: $1,721.00

Demand Feature: Yes No Assumption: Yes No Amount Financed: $225,779.00 D. Total Loan Costs: $1,956.00

Refund of Finance Charge: Yes No Security: You are giving a security interest in the property located at 5296 CREEK ESTATES, SAN JOSE, CA95135. (Property Address)

CLOSING WORKSHEET MORENO, ISMAEL MIN: 100853706002989711

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MORTGAGE INSURANCEPremium Percent: 0.00000% 0 Months

1st Renewal Percent: 0.00000% Months2nd Renewal Percent: 0.00000% Months

Collected/Paid at Closing:Financed Premium: 0.00000%

Monthly MI: 0.00000% 0 MonthsLTV Cutoff: 78.000%

ESCROWPurpose Escrowed Description and Payee

Date(s) ofDisbursement

CushionMonths

CollectedAnnualAmount

MonthlyAmount

Hazard HAZARD INSURANCE to LIBERTY MUTUAL 11/24/22 0 $1,865.00 $155.42County COUNTY PROPERTY TAXES 03/01/22

11/01/22 0 $8,628.26 $719.02

Agg Adjust AGGREGATE ADJUSTMENT Total Est. Monthly Payment: $1,191.72 Total Est. Monthly Escrow:

TAX INFORMATIONCounty Tax Payee: SANTA CLARAAddress: City: State: Zip:Delinq: Taxes Last Pd: $ Taxes Paid: Annual Semi-Annual QuarterlyCity Tax Payee:Address: City: State: Zip:Delinq: Taxes Last Pd: $Taxes Paid: Annual Semi-Annual QuarterlySchool Tax Payee:Address: City: State: Zip:Delinq: Taxes Last Pd: $Taxes Paid: Annual Semi-Annual QuarterlyTown Property Tax Payee:Address: City: State: Zip:Delinq: Taxes Last Pd: $Taxes Paid: Annual Semi-Annual QuarterlyVillage Tax Payee:Address: City: State: Zip:Delinq: Taxes Last Pd: $Taxes Paid: Annual Semi-Annual QuarterlyOther Tax ( ) Payee:Address: City: State: Zip:Delinq: Taxes Last Pd: $Taxes Paid: Annual Semi-Annual Quarterly

INSURANCE INFORMATIONHazard Insurance Payee: LIBERTY MUTUALAddress: PO BOX 1604 City: NEW YORK State: NY Zip: 10116Agent: LIBERTY MUTUALINSURANCE

Phone: Fax:

Amount of Coverage: $501,400.00 Policy #: H37-261-149399-60 0 2 Effective Date: 11/24/21 Expiration Date: 11/24/22Insurance Paid: Annual Semi-Annual Quarterly

Flood Insurance Payee:Address: City: State: Zip:Agent: Phone: Fax:Amount of Coverage: $ Policy #: Effective Date: Expiration Date:Insurance Paid: Annual Semi-Annual Quarterly

Mortgage Insurance Payee:Address: City: State: Zip:Agent: Phone: Fax:Amount of Coverage: $ Policy #: Effective Date: Expiration Date:

Wind/Storm/Hail Insurance Payee:Address: City: State: Zip:Agent: Phone: Fax:Amount of Coverage: $ Policy #: Effective Date: Expiration Date:Insurance Paid: Annual Semi-Annual Quarterly

Earthquake Insurance Payee:Address: City: State: Zip:Agent: Phone: Fax:Amount of Coverage: $ Policy #: Effective Date: Expiration Date:Insurance Paid: Annual Semi-Annual Quarterly


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Loss Payee: LOANDEPOT.COM, LLC, ISAOA/ATIMAAddress: PO BOX 7114 City: TROY State: MI Zip: 48007-7114Flood Community: SAN JOSE, CITY OF Flood Insurance Required

CLOSING CONDITIONSClosing Conditions:* PAYOFF DEMAND MUST BE VALID THROUGH THE CLOSE DATE. CURRENT PAYOFF EXPIRES 1 NOVEMBER 2021. IF CLOSING AFTERTHIS DATE AN UPDATED PAYOFF WILL BE REQUIRED AND MUST SHOW DUE FOR CURRENT MONTH.

* MORTGAGE RATING FOR THE MONTH OF SEPTEMBER REQUIRED ON ALL MORTGAGES IF LOAN DOES NOT FUND BY 31 OCTOBER 2021.

* CASH BACK TO BORROWER MAY NOT EXCEED THE LESSER OF $2000 OR 2% OF THE LOAN AMOUNT FOR LOANS CLOSING WITH A DUCERT (IF SUBJECT PROPERTY STATE IS TEXAS, CASH BACK TO BORROWER MUST BE ZERO).

Prior to Close:PAYOFF THE FOLLOWING LIENS: WELLS FARGO HOME MORTGAGE - #0098629728

LEGAL DESCRIPTIONSEE ATTACHED LEGAL DESCRIPTION , EXHIBIT A

PREPAYMENTPrepayment Penalty: Yes No Percent Penalty: 0.000% Months Penalty: Prepay Type: NONEMonths in Effect: When Exceeds: 0.000% Tiered: Yes No Hard Prepay Months:Tiered: % for Months 1-12 % for Months 13-24 % for Months 25-36 % for Months 37-48 % for Months 49-60

ESCROW HOLDBACKItem Contractor Completion Cost Pct % Borr. Cost Seller Cost


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CLOSING INSTRUCTIONSLOANDEPOT.COM, LLC

26642 TOWNE CENTRE DRIVE

FOOTHILL RANCH, CA 92610

Funder Name: MARISELA MCINTYRE

Funder Phone: (949) 282-5311

Funder Fax: (949) 282-5311

Funder Email: [email protected]

Loan Closer: JODI PETTIT

Closer Phone:

Closer Fax:

ATLAS TITLE AGENCY, INC.

1 CORPORATE PARK, SUITE 200

IRVINE, CA 92606-

Closing/Escrow Agent: DAWN CASTANEDA

Escrow Phone: (949) 946-5240

Escrow No.: CA-2109-015388-

Escrow Fax:

P&I: $1,191.72

Loan Type: Conventional

Closing Date/Doc Date: OCTOBER 18, 2021

Disbursement Date: OCTOBER 22, 2021

1st Payment Date: DECEMBER 1, 2021

Last Payment Date: NOVEMBER 1, 2041

Sales Price:

Loan Amount: $227,500.00

Interest Rate: 2.375%

Term: 240

Loan No.: 600298971

Case No.:

MIN: 100853706002989711

This loan must fund by:

Lender/Broker Name: LOANDEPOT.COM, LLC

Borrower(s)/Vesting: ISMAEL MORENO AND MARIA DOLORES MORENO, HUSBAND AND WIFE AS COMMUNITY PROPERTYWITH RIGHT OF SURVIVORSHIP

Property Address: 5296 CREEK ESTATES

SAN JOSE, CA 95135

Seller(s):

Borrower's Mailing Address: 5296 CREEK EST

SAN JOSE, CA 95135 UNITED STATES

Please date all undated documents on the day borrowers sign.

*LENDER PAID TRANSACTION*

No compensation is to be paid to the Loan Originator/Broker by the Borrower.

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Fee Details Sec.Total Paid

by BorrowerPortion Paid

Before ClosingTotal Paid by

Alternate PayerLENDER PAID BROKER COMP to C2 FINANCIAL CORPORATION A $3,412.50

by LenderUNDERWRITING FEE to LDWHOLESALE A $995.00 CREDIT REPORT FEE to C2 FINANCIAL CORPORATION B $68.00 FLOOD CERTIFICATE FEE to SERVICELINK NATIONAL FLOOD LLC B $10.00 TAX SERVICE FEE to CREDCO CORELOGIC B $68.00 TITLE-LENDER TITLE INSURANCE to ATLAS TITLE COMPANY B $315.00 TITLE-NOTARY FEE to ATLAS TITLE COMPANY B $150.00 TITLE-SETTLEMENT/CLOSING FEE to ATLAS TITLE COMPANY B $350.00 GOV'T RECORDING FEE to COUNTY RECORDER E $322.00 HAZARD INSURANCE PREMIUM (3 mo.) to LIBERTY MUTUAL INSURANCE F $466.25 PER DIEM INTEREST ($14.80 per day from 10/22/21 to 11/1/21) toLDWHOLESALE

F $148.00

CURRENT PROPERTY TAXES DUE (6 mo.) to COUNTY TAX COLLECTOR F $4,314.13 HAZARD INSURANCE $155.42 per month for 0 mo. G

COUNTY PROPERTY TAXES $719.02 per month for 0 mo. G

AGGREGATE ADJUSTMENT G

Payoffs/Other Disbursements

WELLS FARGO HM MORTGAG $228,076.09

Total Payoffs/Other Disbursements $228,076.09

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SPECIAL INSTRUCTIONS TO CLOSER:

* PAYOFF DEMAND MUST BE VALID THROUGH THE CLOSE DATE. CURRENT PAYOFF EXPIRES 1 NOVEMBER 2021. IFCLOSING AFTER THIS DATE AN UPDATED PAYOFF WILL BE REQUIRED AND MUST SHOW DUE FOR CURRENT MONTH.

* MORTGAGE RATING FOR THE MONTH OF SEPTEMBER REQUIRED ON ALL MORTGAGES IF LOAN DOES NOT FUND BY31 OCTOBER 2021.

* CASH BACK TO BORROWER MAY NOT EXCEED THE LESSER OF $2000 OR 2% OF THE LOAN AMOUNT FOR LOANSCLOSING WITH A DU CERT (IF SUBJECT PROPERTY STATE IS TEXAS, CASH BACK TO BORROWER MUST BE ZERO).PAYOFF THE FOLLOWING LIENS: WELLS FARGO HOME MORTGAGE - #0098629728

*** ABSOLUTELY NO CHANGES TO FEES (DO NOT MOVE FROM BORROWER TO SELLER orSELLER TO BORROWER. DO NOT ADD FEES, DO NOT DELETE FEES, DO NOT CHANGE THEAMOUNT OF FEES IN ANY WAY), DOCUMENTS, INSTRUCTIONS OR CONDITIONS UNLESS INWRITING FROM LOANDEPOT.COM, LLC CLOSING DEPARTMENT. NO OTHER PERSON, OFFICEOR DEPARTMENT HAS AUTHORITY TO MAKE ANY CHANGES ***

*** SEE CLOSING DISCLOSURE INCLUDED IN PACKAGE. PLEASE CONTACT LOANDEPOT.COM,LLC IMMEDIATELY IF ANY OF THE FEES ARE OUTSIDE OF TOLERANCE. ***

Zero Tolerance (Cannot Increase)Loan Estimate/

Last DisclosedClosing

Disclosure CureUNDERWRITING FEE $995.00 $995.00 CREDIT REPORT FEE $68.00 $68.00 FLOOD CERTIFICATE FEE $10.00 $10.00 TAX SERVICE FEE $68.00 $68.00 Lender Credits (Cannot Decrease) -$1,285.38 -$1,285.38

Total Zero Tolerance Cure: $0

10% Cumulative ToleranceLoan Estimate/


Disclosure TITLE-LENDER TITLE INSURANCE $315.00 $315.00 TITLE-NOTARY FEE $150.00 $150.00 TITLE-SETTLEMENT/CLOSING FEE $350.00 $350.00 GOV'T RECORDING FEE $322.00 $322.00

10% of the LE/Last Disclosed Total: $1,250.70 $1,137.00 $1,137.00 10% Cumulative Tolerance Cure: $0

"Good Faith" Limitation (Can Increase)Loan Estimate/


Disclosure HAZARD INSURANCE PREMIUM $466.25 $466.25 PER DIEM INTEREST $148.00 $148.00 CURRENT PROPERTY TAXES DUE $4,314.13 $4,314.13

TOTAL: $4,928.38 $4,928.38

AFTER THE CLOSING (IF ESCROW STATE, AFTER SIGNING) HAS BEEN COMPLETED, PLEASE RETURN COMPLETE PACKAGETO OUR OFFICE AT:LOANDEPOT.COM, LLC

ATTN: COLLATERAL DEPARTMENT

25500 COMMERCENTRE DRIVE, SUITE 100

LAKE FOREST, CA 92630

AS SOON AS POSSIBLE BEFORE RECORDING. YOU MUST NOTARIZE WHERE APPLICABLE.

You are authorized to record and disburse funds when you are in a position to issue your extended coverage ALTA Lenders policy of titleinsurance in the amount of $227,500.00, insuring the enclosed Deed of Trust/Mortgage/Security Deed/Security Instrument to be a First Lienor charge upon the real property described therein, subject only to the following exceptions contained in your commitment above numbered and TO BE PAID CURRENT all taxes and assessments must be brought current.

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Issue Endorsements:

3R and 5 6 (ARMs) 4 (Condo) 6.2 (Neg. Amort.) 5 (PUD) 8.1 (Environ.) Location Comprehensive Other

Additional Endorsements required:

Name of Insured on final title: loanDepot.com, LLC ISAOA /ATIMA

YOUR RECORDING OF THE ENCLOSED DOCUMENTS AND/OR THE DISBURSEMENT OF THE ABOVE MENTIONEDFUNDS SHALL CONSTITUTE YOUR ACCEPTANCE TO BE BOUND BY THESE INSTRUCTIONS.

If the title policy is not correct in form and content and we have to return same to you for correction, we may be delayed in delivery of this loanto an investor for purchase. Such a delay could result in financial loss because of investor purchase deadlines and/or warehouse charges. We willhold you responsible. Minimum charge for late or incorrect policies is 1/8 of 1% of the original loan amount per day for the first 30 days late. Weconsider a title policy "late" if not delivered within thirty (30) business days of recordation.

LOANDEPOT.COM, LLC reserves the right to cancel or amend the terms of these instructions at any time prior to recordation of our Deed ofTrust/Mortgage/Security Deed/Security Instrument.

The undersigned escrow agent agrees to comply with all instructions contained herein. Documents will be executed and returned to Attn:Collateral Department 25500 Commerentre Drive, Suite 100 Lake Forest, CA 92630 for review and approval PRIOR TO RECORDATION.No alteration, additions or deletions will be made to any documents. Any departure from the requirements and authorizations contained in theseinstructions must be approved by MARISELA MCINTYRE (949) 282-5311. These instructions become your transmittal letter and requestfor funds when signed and dated below by a LICENSED Escrow Officer.

Date: Company: ATLAS TITLE AGENCY, INC.

By:

Licensed Escrow Officer

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Addendum to Closing InstructionsPlease follow the additional instructions below:

1. Within 48 hours of disbursement, a Final Settlement Statement (ALTA) AND a Disbursement Ledger must be provided to Lender. Email:[email protected]. The ALTA (or similar) must list each fee as un-bundled line items with a payee listed for each itemdisbursed at closing based on the Lender's Closing Disclosure. The Disbursement Ledger must show a chronological history of allchecks/payments disbursed from escrow.

Anytime there is an updated entry to the Disbursement Ledger that adjusts the original amount disbursed, both a revised ALTA & updatedDisbursement Ledger must be sent to [email protected] within 48 hours of the change.

2. All wet-signed documents with the exception of those to be recorded (Security Instrument, Riders, Grant Deed, POA, etc.) must bereturned to our office within 48 hours of the signing (if applicable). Please return certified copies of those documents that are held back tobe recorded. Failure to deliver the closed loan package within 48 hours may result in Lender's inability to meet an Investor Deliverydeadline, requiring your financial reimbursement to Lender for any expense or penalties.

Recording/E-recording and Trailing Doc Automation loanDepot is requesting that you use Simplifile Post Closing to do the following:

Electronically record in all eligible counties.

IMPORTANT: Be sure to check the Loan Information page in Simplifile to determine if original paper documents are required. Ifit says "Not Needed" next to the Paper original label, you do not have to send original paper signed docs back to loanDepot.

IF any ancillary docs are recorded (Grant Deed; QuitClaim Deed; POA; etc.), copies of these recorded documents along withrecording FEES, should also be uploaded through Simplifile. loanDepot needs to have the recording receipts for these ancillarydocs.Upload the final title policy through Simplifile (if uploaded through Simplifile, mailing an original paper title policy is no longerrequired).

Within 24 hours of the loan funding, as the Closing Agent, you will receive detailed instructions directly from Simplifile regarding e-recording & automation of trailing final docs.

For more details, training and updates please visit loanDepot.simplifile.com

3. You hereby acknowledge receipt of funds from either loanDepot.com LLC or such other third party warehouse bank, as applicable. If forany reason this loan does not close and/or disburse on a wet funding or disburse on a dry funding within 48 hours of your receipt of funds,immediately return all funds to the party that wired the funds. Funds should only be returned directly to loanDepot.com LLC ifloanDepot.com LLC wired the funds.

4. Upload a copy of executed closing package through the Closing Portal using the link sent to the Settlement Agent assigned to the file.

Page 5 of 5

19350|5|5|600298971

19350.1072

mailto:[email protected]


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

document with your Loan Estimate.

Closing InformationDate Issued 10/18/2021Closing Date 10/18/2021Disbursement Date 10/22/2021Settlement Agent ATLAS TITLE AGENCY, INC.File # CA-2109-015388-Property 5296 CREEK ESTATES

SAN JOSE, CA 95135Estimated Prop. Value $700,000

Transaction InformationBorrower ISMAEL MORENO

5296 CREEK EST

SAN JOSE, CA 95135Lender LOANDEPOT.COM, LLC

Loan InformationLoan Term 20 yearsPurpose RefinanceProduct FIXED RATELoan Type Conventional FHA VA Loan ID # 600298971MIC #

Loan Terms Can this amount increase after closing?

Loan Amount $227,500 NO

Interest Rate 2.375% NO

Monthly Principal & InterestSee Projected Payments below for your

Estimated Total Monthly Payment

$1,191.72 NO

Does the loan have these features?

Prepayment Penalty NO

Balloon Payment NO

Projected Payments

Payment Calculation Years 1-20

Principal & Interest $1,191.72

Mortgage Insurance + 0

Estimated Escrow

Amount can increase over time + 0

Estimated Total

Monthly Payment $1,191.72

Estimated Taxes, Insurance

& Assessments

Amount can increase over time

See page 4 for details

$874.44

a month

This estimate includes In escrow? Property Taxes NO Homeowner's Insurance NO Other:

See Escrow Account on page 4 for details. You must pay for other property

costs separately.

Costs at Closing

Closing Costs $5,921.00 Includes $1,956.00 in Loan Costs + $5,250.38 in Other Costs - $1,285.38

in Lender Credits. See page 2 for details.

Cash to Close $6,497.09 Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

From To Borrower

PAGE 1 OF 5 · LOAN ID #18566.1143 CLOSING DISCLOSURE 600298971

Closing Cost Details

Loan Costs Borrower-Paid

At Closing Before ClosingPaid By

OthersA. Origination Charges $995.00 01 % of Loan Amount (Points) 02 LENDER PAID BROKER COMP to C2 FINANCIAL CORPORATION (L) $3,412.5003 UNDERWRITING FEE to LDWHOLESALE $995.00 04 05 06 07 08 B. Services Borrower Did Not Shop For $961.00 01 CREDIT REPORT FEE to C2 FINANCIAL CORPORATION $68.00 02 FLOOD CERTIFICATE FEE to SERVICELINK NATIONAL FLOOD LLC $10.00 03 TAX SERVICE FEE to CREDCO CORELOGIC $68.00 04 TITLE–LENDER TITLE INSURANCE to ATLAS TITLE COMPANY $315.00 05 TITLE–NOTARY FEE to ATLAS TITLE COMPANY $150.00 06 TITLE–SETTLEMENT/CLOSING FEE to ATLAS TITLE COMPANY $350.00 07 08 09 10 C. Services Borrower Did Shop For 01 02 03 04 05 06 07 08 D. TOTAL LOAN COSTS (Borrower-Paid) $1,956.00 Loan Costs Subtotals (A + B + C) $1,956.00

Other Costs

E. Taxes and Other Government Fees $322.00 01 Recording Fees Deed: Mortgage: $322.00 $322.00 02 F. Prepaids $4,928.38 01 Homeowner's Insurance Premium (3 mo.) to LIBERTY MUTUAL INSURANCE $466.25 02 Mortgage Insurance Premium ( mo.) 03 Prepaid Interest ($14.80 per day from 10/22/21 to 11/1/21) $148.00 04 Property Taxes (6 mo.) to COUNTY TAX COLLECTOR $4,314.13 05 G. Initial Escrow Payment at Closing 01 Homeowner's Insurance per month for mo. 02 Mortgage Insurance per month for mo. 03 Property Taxes per month for mo. 04 05 06 07 08 Aggregate Adjustment $0.00 H. Other 01 02 03 04 05 06 07 08 I. TOTAL OTHER COSTS (Borrower-Paid) $5,250.38 Other Costs Subtotals (E + F + G + H) $5,250.38

J. TOTAL CLOSING COSTS (Borrower-Paid) $5,921.00 Closing Costs Subtotals (D + I) $7,206.38 $3,412.50Lender Credits -$1,285.38

PAGE 2 OF 5 · LOAN ID #18566.1143 CLOSING DISCLOSURE 20211018 600298971

Payoffs and Payments Use this table to see a summary of your payoffs and payments to others from your loan amount.

TO AMOUNT

01 WELLS FARGO HM MORTGAG $228,076.0902 03 04 05 06 07 08 09 10 11 12 13 14 15

K. TOTAL PAYOFFS AND PAYMENTS $228,076.09

Calculating Cash to Close Use this table to see what has changed from your Loan Estimate.

Loan Estimate Final Did this change?

Loan Amount $232,000.00 $227,500.00 YES • This amount decreased

Total Closing Costs (J) -$1,223.00 -$5,921.00 YES • See Total Loan Costs (D) and Total Other Costs (I)

Closing Costs Paid Before Closing $0 $0 NO

Total Payoffs and Payments (K) -$227,810.00 -$228,076.09 YES • See Payoffs and Payments (K)

Cash to Close $2,967.00 $6,497.09

From To

Borrower From To

Borrower Closing Costs Financed (Paid from your Loan Amount) $0


Additional Information About This Loan

Loan Disclosures

Assumption

If you sell or transfer this property to another person, your lenderwill allow, under certain conditions, this person to assume this

loan on the original terms.will not allow assumption of this loan on the original terms.

Demand FeatureYour loan

has a demand feature, which permits your lender to require early

repayment of the loan. You should review your note for details.does not have a demand feature.

Late Payment

If your payment is more than 15 days late, your lender will charge a latefee of 5% of the overdue monthly principal and interest payment.

Negative Amortization (Increase in Loan Amount)Under your loan terms, you

are scheduled to make monthly payments that do not pay all of

the interest due that month. As a result, your loan amount will

increase (negatively amortize), and your loan amount will likely

become larger than your original loan amount. Increases in your

loan amount lower the equity you have in this property.may have monthly payments that do not pay all of the interest

due that month. If you do, your loan amount will increase

(negatively amortize), and, as a result, your loan amount may


loan amount lower the equity you have in this property.do not have a negative amortization feature.

Partial PaymentsYour lender

may accept payments that are less than the full amount due

(partial payments) and apply them to your loan.may hold them in a separate account until you pay the rest of the

payment, and then apply the full payment to your loan.does not accept any partial payments.

If this loan is sold, your new lender may have a different policy.

Security Interest

You are granting a security interest in

5296 CREEK ESTATES, SAN JOSE, CA 95135

You may lose this property if you do not make your payments or

satisfy other obligations for this loan.

Escrow AccountFor now, your loan

will have an escrow account (also called an "impound" or "trust"

account) to pay the property costs listed below. Without an escrow

account, you would pay them directly, possibly in one or two large

payments a year. Your lender may be liable for penalties and interest

for failing to make a payment.

EscrowEscrowed

Property Costs

over Year 1

Estimated total amount over year 1 for

your escrowed property costs:

Non-Escrowed

Property Costs

over Year 1


your non-escrowed property costs:

You may have other property costs.Initial Escrow

Payment A cushion for the escrow account you

pay at closing. See Section G on page 2.Monthly Escrow

Payment The amount included in your total

monthly payment.

will not have an escrow account because you declined it your

lender does not offer one. You must directly pay your property

costs, such as taxes and homeowner's insurance. Contact your

lender to ask if your loan can have an escrow account.

No EscrowEstimated

Property Costs

over Year 1

$10,493.28 Estimated total amount over year 1. You

must pay these costs directly, possibly

in one or two large payments a year.Escrow Waiver Fee

In the future,

Your property costs may change and, as a result, your escrow pay-

ment may change. You may be able to cancel your escrow account,

but if you do, you must pay your property costs directly. If you fail

to pay your property taxes, your state or local government may (1)

impose fines and penalties or (2) place a tax lien on this property. If

you fail to pay any of your property costs, your lender may (1) add

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

benefits than what you could buy on your own.


Loan Calculations

Total of Payments. Total you will have paid after

you make all payments of principal, interest,

mortgage insurance, and loan costs, as scheduled. $288,117.77

Finance Charge. The dollar amount the loan will

cost you. $60,234.77

Amount Financed. The loan amount available after

paying your upfront finance charge. $225,779.00

Annual Percentage Rate (APR). Your costs over

the loan term expressed as a rate. This is not your

interest rate. 2.45%

Total Interest Percentage (TIP). The total amount

of interest that you will pay over the loan term as a

percentage of your loan amount. 25.785%

Other Disclosures

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 DetailsSee 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 the

loan, and• the rules for making payments before they are due.

Liability after ForeclosureIf your lender forecloses on this property and the foreclosure does not

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.

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.

Contact Information

Lender Mortgage Broker Settlement AgentName LOANDEPOT.COM, LLC C2 FINANCIAL CORPORATION ATLAS TITLE AGENCY, INC.Address 26642 TOWNE CENTRE DRIVE

FOOTHILL RANCH, CA 9261010509 VISTA SORRENTO PARKWAY, SUITE400

SAN DIEGO, CA 92121-


IRVINE, CA 92606-

NMLS ID 174457 135622 99416CA License ID UTC-6273-7Contact JASON BURT LORI ACKERMAN DAWN CASTANEDAContact NMLS ID 366353 Contact

CA License ID

Email [email protected] [email protected] (844) 400-6953 (858)312-4900 (949)946-5240

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.

ISMAEL MORENO Date


Addendum to Closing DisclosureThis Addendum includes additional information about the loan you have applied for. It does not replace any information disclosed onthe Closing Disclosure.

BORROWER

MARIA DOLORES MORENO

5296 CREEK EST

SAN JOSE, CA 95135


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

document with your Loan Estimate.

Closing InformationDate Issued 10/18/2021Closing Date 10/18/2021Disbursement Date 10/22/2021Settlement Agent ATLAS TITLE AGENCY, INC.File # CA-2109-015388-Property 5296 CREEK ESTATES

SAN JOSE, CA 95135Estimated Prop. Value $700,000

Transaction InformationBorrower ISMAEL MORENO

5296 CREEK EST

SAN JOSE, CA 95135Lender LOANDEPOT.COM, LLC

Loan InformationLoan Term 20 yearsPurpose RefinanceProduct FIXED RATELoan Type Conventional FHA VA Loan ID # 600298971MIC #

Loan Terms Can this amount increase after closing?

Loan Amount $227,500 NO

Interest Rate 2.375% NO

Monthly Principal & InterestSee Projected Payments below for your

Estimated Total Monthly Payment

$1,191.72 NO

Does the loan have these features?

Prepayment Penalty NO

Balloon Payment NO

Projected Payments

Payment Calculation Years 1-20

Principal & Interest $1,191.72

Mortgage Insurance + 0

Estimated Escrow

Amount can increase over time + 0

Estimated Total

Monthly Payment $1,191.72

Estimated Taxes, Insurance

& Assessments

Amount can increase over time

See page 4 for details

$874.44

a month

This estimate includes In escrow? Property Taxes NO Homeowner's Insurance NO Other:

See Escrow Account on page 4 for details. You must pay for other property

costs separately.

Costs at Closing

Closing Costs $5,921.00 Includes $1,956.00 in Loan Costs + $5,250.38 in Other Costs - $1,285.38

in Lender Credits. See page 2 for details.

Cash to Close $6,497.09 Includes Closing Costs. See Calculating Cash to Close on page 3 for details.

From To Borrower

PAGE 1 OF 5 · LOAN ID #18566.1143 CLOSING DISCLOSURE 600298971

Closing Cost Details

Loan Costs Borrower-Paid

At Closing Before ClosingPaid By

OthersA. Origination Charges $995.00 01 % of Loan Amount (Points) 02 LENDER PAID BROKER COMP to C2 FINANCIAL CORPORATION (L) $3,412.5003 UNDERWRITING FEE to LDWHOLESALE $995.00 04 05 06 07 08 B. Services Borrower Did Not Shop For $961.00 01 CREDIT REPORT FEE to C2 FINANCIAL CORPORATION $68.00 02 FLOOD CERTIFICATE FEE to SERVICELINK NATIONAL FLOOD LLC $10.00 03 TAX SERVICE FEE to CREDCO CORELOGIC $68.00 04 TITLE–LENDER TITLE INSURANCE to ATLAS TITLE COMPANY $315.00 05 TITLE–NOTARY FEE to ATLAS TITLE COMPANY $150.00 06 TITLE–SETTLEMENT/CLOSING FEE to ATLAS TITLE COMPANY $350.00 07 08 09 10 C. Services Borrower Did Shop For 01 02 03 04 05 06 07 08 D. TOTAL LOAN COSTS (Borrower-Paid) $1,956.00 Loan Costs Subtotals (A + B + C) $1,956.00

Other Costs

E. Taxes and Other Government Fees $322.00 01 Recording Fees Deed: Mortgage: $322.00 $322.00 02 F. Prepaids $4,928.38 01 Homeowner's Insurance Premium (3 mo.) to LIBERTY MUTUAL INSURANCE $466.25 02 Mortgage Insurance Premium ( mo.) 03 Prepaid Interest ($14.80 per day from 10/22/21 to 11/1/21) $148.00 04 Property Taxes (6 mo.) to COUNTY TAX COLLECTOR $4,314.13 05 G. Initial Escrow Payment at Closing 01 Homeowner's Insurance per month for mo. 02 Mortgage Insurance per month for mo. 03 Property Taxes per month for mo. 04 05 06 07 08 Aggregate Adjustment $0.00 H. Other 01 02 03 04 05 06 07 08 I. TOTAL OTHER COSTS (Borrower-Paid) $5,250.38 Other Costs Subtotals (E + F + G + H) $5,250.38

J. TOTAL CLOSING COSTS (Borrower-Paid) $5,921.00 Closing Costs Subtotals (D + I) $7,206.38 $3,412.50Lender Credits -$1,285.38


Payoffs and Payments Use this table to see a summary of your payoffs and payments to others from your loan amount.

TO AMOUNT

01 WELLS FARGO HM MORTGAG $228,076.0902 03 04 05 06 07 08 09 10 11 12 13 14 15

K. TOTAL PAYOFFS AND PAYMENTS $228,076.09

Calculating Cash to Close Use this table to see what has changed from your Loan Estimate.

Loan Estimate Final Did this change?

Loan Amount $232,000.00 $227,500.00 YES • This amount decreased

Total Closing Costs (J) -$1,223.00 -$5,921.00 YES • See Total Loan Costs (D) and Total Other Costs (I)

Closing Costs Paid Before Closing $0 $0 NO

Total Payoffs and Payments (K) -$227,810.00 -$228,076.09 YES • See Payoffs and Payments (K)

Cash to Close $2,967.00 $6,497.09

From To

Borrower From To

Borrower Closing Costs Financed (Paid from your Loan Amount) $0


Additional Information About This Loan

Loan Disclosures

Assumption

If you sell or transfer this property to another person, your lenderwill allow, under certain conditions, this person to assume this

loan on the original terms.will not allow assumption of this loan on the original terms.

Demand FeatureYour loan

has a demand feature, which permits your lender to require early

repayment of the loan. You should review your note for details.does not have a demand feature.

Late Payment

If your payment is more than 15 days late, your lender will charge a latefee of 5% of the overdue monthly principal and interest payment.

Negative Amortization (Increase in Loan Amount)Under your loan terms, you

are scheduled to make monthly payments that do not pay all of

the interest due that month. As a result, your loan amount will

increase (negatively amortize), and your loan amount will likely


loan amount lower the equity you have in this property.may have monthly payments that do not pay all of the interest

due that month. If you do, your loan amount will increase

(negatively amortize), and, as a result, your loan amount may


loan amount lower the equity you have in this property.do not have a negative amortization feature.

Partial PaymentsYour lender

may accept payments that are less than the full amount due

(partial payments) and apply them to your loan.may hold them in a separate account until you pay the rest of the

payment, and then apply the full payment to your loan.does not accept any partial payments.

If this loan is sold, your new lender may have a different policy.

Security Interest

You are granting a security interest in


You may lose this property if you do not make your payments or

satisfy other obligations for this loan.

Escrow AccountFor now, your loan

will have an escrow account (also called an "impound" or "trust"

account) to pay the property costs listed below. Without an escrow

account, you would pay them directly, possibly in one or two large

payments a year. Your lender may be liable for penalties and interest

for failing to make a payment.

EscrowEscrowed

Property Costs

over Year 1


your escrowed property costs:

Non-Escrowed

Property Costs

over Year 1


your non-escrowed property costs:

You may have other property costs.Initial Escrow

Payment A cushion for the escrow account you

pay at closing. See Section G on page 2.Monthly Escrow

Payment The amount included in your total

monthly payment.

will not have an escrow account because you declined it your

lender does not offer one. You must directly pay your property

costs, such as taxes and homeowner's insurance. Contact your

lender to ask if your loan can have an escrow account.

No EscrowEstimated

Property Costs

over Year 1

$10,493.28 Estimated total amount over year 1. You

must pay these costs directly, possibly

in one or two large payments a year.Escrow Waiver Fee

In the future,

Your property costs may change and, as a result, your escrow pay-

ment may change. You may be able to cancel your escrow account,

but if you do, you must pay your property costs directly. If you fail

to pay your property taxes, your state or local government may (1)

impose fines and penalties or (2) place a tax lien on this property. If

you fail to pay any of your property costs, your lender may (1) add

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

benefits than what you could buy on your own.


Loan Calculations

Total of Payments. Total you will have paid after

you make all payments of principal, interest,

mortgage insurance, and loan costs, as scheduled. $288,117.77

Finance Charge. The dollar amount the loan will

cost you. $60,234.77

Amount Financed. The loan amount available after

paying your upfront finance charge. $225,779.00

Annual Percentage Rate (APR). Your costs over

the loan term expressed as a rate. This is not your

interest rate. 2.45%

Total Interest Percentage (TIP). The total amount

of interest that you will pay over the loan term as a

percentage of your loan amount. 25.785%

Other Disclosures

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 DetailsSee 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 the

loan, and• the rules for making payments before they are due.

Liability after ForeclosureIf your lender forecloses on this property and the foreclosure does not

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.

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.

Contact Information

Lender Mortgage Broker Settlement AgentName LOANDEPOT.COM, LLC C2 FINANCIAL CORPORATION ATLAS TITLE AGENCY, INC.Address 26642 TOWNE CENTRE DRIVE

FOOTHILL RANCH, CA 9261010509 VISTA SORRENTO PARKWAY, SUITE400

SAN DIEGO, CA 92121-


IRVINE, CA 92606-

NMLS ID 174457 135622 99416CA License ID UTC-6273-7Contact JASON BURT LORI ACKERMAN DAWN CASTANEDAContact NMLS ID 366353 Contact

CA License ID

Email [email protected] [email protected] (844) 400-6953 (858)312-4900 (949)946-5240

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.

MARIA DOLORES MORENO Date


Addendum to Closing DisclosureThis Addendum includes additional information about the loan you have applied for. It does not replace any information disclosed onthe Closing Disclosure.

BORROWER


5296 CREEK EST

SAN JOSE, CA 95135


NOTE MORENO

Loan #: 600298971

MIN: 100853706002989711

OCTOBER 18, 2021

[Date]FOOTHILL RANCH,

[City]CALIFORNIA

[State]


[Property Address]

1. BORROWER'S PROMISE TO PAYIn return for a loan that I have received, I promise to pay U.S. $227,500.00 (this amount is called

"Principal"), plus interest, to the order of the Lender. The Lender is LOANDEPOT.COM, LLC. I will make allpayments under this Note in the form of cash, check or money order.

I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transferand who is entitled to receive payments under this Note is called the "Note Holder."2. INTEREST

Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will payinterest at a yearly rate of 2.375%.

The interest rate required by this Section 2 is the rate I will pay both before and after any default describedin Section 6(B) of this Note.3. PAYMENTS

(A) Time and Place of PaymentsI will pay principal and interest by making a payment every month.I will make my monthly payment on the 1ST day of each month beginning on DECEMBER 1, 2021. I

will make these payments every month until I have paid all of the principal and interest and any other chargesdescribed below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due dateand will be applied to interest before Principal. If, on NOVEMBER 1, 2041, I still owe amounts under this Note, Iwill pay those amounts in full on that date, which is called the "Maturity Date."

I will make my monthly payments at PO BOX 5710, CHICAGO, IL 60680-5681 or at a differentplace if required by the Note Holder.

(B) Amount of Monthly PaymentsMy monthly payment will be in the amount of U.S. $1,191.72.

4. BORROWER'S RIGHT TO PREPAYI have the right to make payments of Principal at any time before they are due. A payment of Principal only

is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. Imay not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note.

I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the NoteHolder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applyingmy Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changesin the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes.5. LOAN CHARGES

If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that theinterest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The NoteHolder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct

(page 1 of 3 pages)

5|1|3|600298971

MULTISTATE FIXED RATE NOTE --Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT5.74 Form 3200 1/01

600298971

payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment.6. BORROWER'S FAILURE TO PAY AS REQUIRED

(A) Late Charge for Overdue PaymentsIf the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days

after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000% of myoverdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.

(B) DefaultIf I do not pay the full amount of each monthly payment on the date it is due, I will be in default.(C) Notice of DefaultIf I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue

amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal whichhas not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date onwhich the notice is mailed to me or delivered by other means.

(D) No Waiver By Note HolderEven if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as

described above, the Note Holder will still have the right to do so if I am in default at a later time.(E) Payment of Note Holder's Costs and ExpensesIf the Note Holder has required me to pay immediately in full as described above, the Note Holder will

have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent notprohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees.7. GIVING OF NOTICES

Unless applicable law requires a different method, any notice that must be given to me under this Note willbe given by delivering it or by mailing it by first class mail to me at the Property Address above or at a differentaddress if I give the Note Holder a notice of my different address.

Any notice that must be given to the Note Holder under this Note will be given by delivering it or bymailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address ifI am given a notice of that different address.8. OBLIGATIONS OF PERSONS UNDER THIS NOTE

If more than one person signs this Note, each person is fully and personally obligated to keep all of thepromises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations,including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promisesmade in this Note. The Note Holder may enforce its rights under this Note against each person individually oragainst all of us together. This means that any one of us may be required to pay all of the amounts owed under thisNote.9. WAIVERS

I and any other person who has obligations under this Note waive the rights of Presentment and Notice ofDishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice ofDishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not beenpaid.10. UNIFORM SECURED NOTE

This Note is a uniform instrument with limited variations in some jurisdictions. In addition to theprotections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "SecurityInstrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if Ido not keep the promises which I make in this Note. That Security Instrument describes how and under whatconditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of

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those conditions are described as follows:If all or any part of the Property or any Interest in the Property is sold or transferred (or if

Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sumssecured by this Security Instrument. However, this option shall not be exercised by Lender if suchexercise is prohibited by Applicable Law.

If Lender exercises this option, Lender shall give Borrower notice of acceleration. Thenotice shall provide a period of not less than 30 days from the date the notice is given inaccordance with Section 15 within which Borrower must pay all sums secured by this SecurityInstrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender mayinvoke any remedies permitted by this Security Instrument without further notice or demand onBorrower.

WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.

- BORROWER - ISMAEL MORENO

- BORROWER - MARIA DOLORES MORENO

[Sign Original Only]Individual Loan Originator: LORI ACKERMAN, NMLSR ID: 366353

Loan Originator Organization: C2 FINANCIAL CORPORATION, NMLSR ID: 135622

Loan Originator Organization (Creditor): LOANDEPOT.COM, LLC, NMLSR ID: 174457

PAY TO THE ORDER OF: __________________________________________________

WITHOUT RECOURSE

loanDepot.com, LLC

BY: __________________________________________________

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Recording Requested By /

Return To:

LOANDEPOT.COM, LLC

ATTN: DOC CONTROL

25500 COMMERCENTRE DR, SUITE100


(888) 337-6888

Prepared By:

LOANDEPOT.COM, LLC



(888) 337-6888

[Space Above This Line For Recording Data]

DEED OF TRUST

MORENO

Loan #: 600298971

MIN: 100853706002989711

MERS Phone: 1-888-679-6377

PIN: 660-37-075

Trustor/Borrower:

ISMAEL MORENO

5296 CREEK EST, SAN JOSE, CA 95135 UNITED STATES

Property Address: 5296 CREEK ESTATES, SAN JOSE, CA 95135

DEFINITIONS

Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.

(A) "Security Instrument" means this document, which is dated OCTOBER 18, 2021, together with all Riders to thisdocument.(B) "Borrower" is ISMAEL MORENO AND MARIA DOLORES MORENO, HUSBAND AND WIFE AS COMMUNITYPROPERTY WITH RIGHT OF SURVIVORSHIP. Borrower is the trustor under this Security Instrument.(C) "Lender" is LOANDEPOT.COM, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing underthe laws of DE. Lender's address is 26642 TOWNE CENTRE DRIVE, FOOTHILL RANCH, CA 92610.(D) "Trustee" is LAWYERS TITLE COMPANY.(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as anominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERSis organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI48501-2026, tel. (888) 679-MERS.(F) "Note" means the promissory note signed by Borrower and dated OCTOBER 18, 2021. The Note states that Borrowerowes Lender TWO HUNDRED TWENTY-SEVEN THOUSAND FIVE HUNDRED AND 00/100 Dollars (U.S.$227,500.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fullnot later than NOVEMBER 1, 2041.(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument, plus interest.

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CALIFORNIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 312.72 Form 3005 1/01

600298971

(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to beexecuted by Borrower [check box as applicable]:

Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider Biweekly Payment Rider 1-4 Family Rider Other(s) [specify]

(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances andadministrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that areimposed on Borrower or the Property by a condominium association, homeowners association or similar organization.(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similarpaper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as toorder, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automatedclearinghouse transfers.(M) "Escrow Items" means those items that are described in Section 3.(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, theProperty; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv)misrepresentations of, or omissions as to, the value and/or condition of the Property.(O) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) anyamounts under Section 3 of this Security Instrument.(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation orregulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements andrestrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federallyrelated mortgage loan" under RESPA.(R) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party hasassumed Borrower's obligations under the Note and/or this Security Instrument.

TRANSFER OF RIGHTS IN THE PROPERTY

The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns) andthe successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan, and allrenewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements underthis Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, withpower of sale, the following described property located in the COUNTY of SANTA CLARA:

SEE ATTACHED LEGAL DESCRIPTION , EXHIBIT A

which currently has the address of 5296 CREEK ESTATES, SAN JOSE, CA 95135 ("Property Address"):

TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances,and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this SecurityInstrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agreesthat MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to complywith law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all ofthose interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required ofLender including, but not limited to, releasing and canceling this Security Instrument.

BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grantand convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and

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will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record.

THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants withlimited variations by jurisdiction to constitute a uniform security instrument covering real property.

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay

when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges dueunder the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and thisSecurity Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as paymentunder the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequentpayments due under the Note and this Security Instrument be made in one or more of the following forms, as selected byLender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any suchcheck is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) ElectronicFunds Transfer.

Payments are deemed received by Lender when received at the location designated in the Note or at such otherlocation as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return anypayment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may acceptany payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice toits rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at thetime such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not payinterest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. IfBorrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. Ifnot applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior toforeclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower frommaking payments due under the Note and this Security Instrument or performing the covenants and agreements secured by thisSecurity Instrument.

2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted andapplied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under theNote; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which itbecame due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this SecurityInstrument, and then to reduce the principal balance of the Note.

If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount topay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one PeriodicPayment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if,and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to thefull payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepaymentsshall be applied first to any prepayment charges and then as described in the Note.

Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall notextend or postpone the due date, or change the amount, of the Periodic Payments.

3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, untilthe Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and otheritems which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold paymentsor ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d)Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of MortgageInsurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination orat any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any,be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish toLender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unlessLender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation topay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of suchwaiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of

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Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment withinsuch time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for allpurposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant andagreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrowerfails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount andBorrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to anyor all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall payto Lender all Funds, and in such amounts, that are then required under this Section 3.

Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at thetime specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shallestimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Itemsor otherwise in accordance with Applicable Law.

The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity(including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shallapply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower forholding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender paysBorrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made inwriting or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interestor earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lendershall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA.

If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for theexcess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shallnotify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage inaccordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as definedunder RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary tomake up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.

Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower anyFunds held by Lender.

4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to theProperty which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any,and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrowershall pay them in the manner provided in Section 3.

Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long asBorrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings arepending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory toLender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lienwhich can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 daysof the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above inthis Section 4.

Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service usedby Lender in connection with this Loan.

5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Propertyinsured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but notlimited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the precedingsentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrowersubject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may requireBorrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification andtracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges eachtime remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall

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also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection withthe review of any flood zone determination resulting from an objection by Borrower.

If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, atLender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage.Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, orthe contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than waspreviously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed thecost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall becomeadditional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from thedate of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment.

All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right todisapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additionalloss payee and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the Note up to theamount of the outstanding loan balance. Lender shall have the right to hold the policies and renewal certificates. If Lenderrequires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains anyform of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shallinclude a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee and Borrowerfurther agrees to generally assign rights to insurance proceeds to the holder of the Note up to the amount of the outstandingloan balance.

In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof ofloss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds,whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if therestoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property toensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as thework is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insuranceproceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, orother third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation ofBorrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insuranceproceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paidto Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2.

If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and relatedmatters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle aclaim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event,or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights toany insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) anyother of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurancepolicies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use theinsurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument,whether or not then due.

6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residencefor at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not beunreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control.

7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage orimpair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing inthe Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in valuedue to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible,Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnationproceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing orrestoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs

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and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance orcondemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation forthe completion of such repair or restoration.

Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause,Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or priorto such an interior inspection specifying such reasonable cause.

8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower orany persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false,misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) inconnection with the Loan. Material representations include, but are not limited to, representations concerning Borrower'soccupancy of the Property as Borrower's principal residence.

9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrowerfails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that mightsignificantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding inbankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this SecurityInstrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay forwhatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions caninclude, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b)appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under thisSecurity Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is notlimited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes,eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender maytake action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed thatLender incurs no liability for not taking any or all actions authorized under this Section 9.

Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by thisSecurity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, withsuch interest, upon notice from Lender to Borrower requesting payment.

If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrowershall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shallnot, without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to theProperty, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.

10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shallpay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coveragerequired by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower wasrequired to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay thepremiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a costsubstantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgageinsurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue topay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be ineffect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Suchloss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not berequired to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments ifMortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lenderagain becomes available, is obtained, and Lender requires separately designated payments toward the premiums for MortgageInsurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to makeseparately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required tomaintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for MortgageInsurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or untiltermination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rateprovided in the Note.

Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if

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Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into

agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditionsthat are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may requirethe mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which mayinclude funds obtained from Mortgage Insurance premiums).

As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, orany affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterizedas) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for ashare of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:

(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for MortgageInsurance, and they will not entitle Borrower to any refund.

(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the MortgageInsurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receivecertain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insuranceterminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at thetime of such cancellation or termination.

11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to andshall be paid to Lender.

If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if therestoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Propertyto ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work iscompleted. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such MiscellaneousProceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If therestoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall beapplied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2.

In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be appliedto the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.

In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of theProperty immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sumssecured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower andLender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of theMiscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before thepartial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partialtaking, destruction, or loss in value. Any balance shall be paid to Borrower.

In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of theProperty immediately before the partial taking, destruction, or loss in value is less than the amount of the sums securedimmediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, theMiscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due.

If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (asdefined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either torestoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "OpposingParty" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right ofaction in regard to Miscellaneous Proceeds.

Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment,

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could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under thisSecurity Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, bycausing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Propertyor other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of anyaward or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned andshall be paid to Lender.

All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the orderprovided for in Section 2.

12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment ormodification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successorin Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lendershall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time forpayment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made bythe original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedyincluding, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest ofBorrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy.

13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees thatBorrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrumentbut does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey theco-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sumssecured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear ormake any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent.

Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligationsunder this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits underthis Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this SecurityInstrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shallbind (except as provided in Section 20) and benefit the successors and assigns of Lender.

14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default,for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but notlimited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authorityin this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of suchfee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.

If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interestor other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any suchloan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums alreadycollected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make thisrefund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reducesprincipal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepaymentcharge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower willconstitute a waiver of any right of action Borrower might have arising out of such overcharge.

15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower whenmailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any oneBorrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shallbe the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shallpromptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change ofaddress, then Borrower shall only report a change of address through that specified procedure. There may be only onedesignated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering itor by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice toBorrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender untilactually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, theApplicable Law requirement will satisfy the corresponding requirement under this Security Instrument.

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16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federallaw and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this SecurityInstrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitlyallow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition againstagreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts withApplicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be giveneffect without the conflicting provision.

As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuterwords or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) theword "may" gives sole discretion without any obligation to take any action.

17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the

Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial intereststransferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is thetransfer of title by Borrower at a future date to a purchaser.

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a naturalperson and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may requireimmediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised byLender if such exercise is prohibited by Applicable Law.

If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period ofnot less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sumssecured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender mayinvoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.

19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall havethe right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days beforesale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as ApplicableLaw might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this SecurityInstrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this SecurityInstrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c)pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees,property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Propertyand rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender'sinterest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by thisSecurity Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses inone or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check,treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by afederal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this SecurityInstrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right toreinstate shall not apply in the case of acceleration under Section 18.

20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (togetherwith this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a changein the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrumentand performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. Therealso might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the LoanServicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer,the address to which payments should be made and any other information RESPA requires in connection with a notice oftransfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of theNote, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successorLoan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.

Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigantor the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the

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other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower orLender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such allegedbreach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. IfApplicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemedto be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuantto Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice andopportunity to take corrective action provisions of this Section 20.

21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined astoxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene,other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos orformaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where theProperty is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any responseaction, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means acondition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.

Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, orthreaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do,anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an EnvironmentalCondition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adverselyaffects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property ofsmall quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and tomaintenance of the Property (including, but not limited to, hazardous substances in consumer products).

Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action byany governmental or regulatory agency or private party involving the Property and any Hazardous Substance or EnvironmentalLaw of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling,leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, useor release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by anygovernmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substanceaffecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance withEnvironmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup.

NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's

breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unlessApplicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default;(c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and(d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sumssecured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right toreinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any otherdefense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice,Lender at its option may require immediate payment in full of all sums secured by this Security Instrument withoutfurther demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shallbe entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but notlimited to, reasonable attorneys' fees and costs of title evidence.

If Lender invokes the power of sale, Lender shall execute or cause Trustee to execute a written notice of theoccurrence of an event of default and of Lender's election to cause the Property to be sold. Trustee shall cause thisnotice to be recorded in each county in which any part of the Property is located. Lender or Trustee shall mail copies ofthe notice as prescribed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law.Trustee shall give public notice of sale to the persons and in the manner prescribed by Applicable Law. After the timerequired by Applicable Law, Trustee, without demand on Borrower, shall sell the Property at public auction to thehighest bidder at the time and place and under the terms designated in the notice of sale in one or more parcels and inany order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcementat the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale.

Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or

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warranty, expressed or implied. The recitals in the Trustee's deed shall be prima facie evidence of the truth of thestatements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all expenses of thesale, including, but not limited to, reasonable Trustee's and attorneys' fees; (b) to all sums secured by this SecurityInstrument; and (c) any excess to the person or persons legally entitled to it.

23. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee toreconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this SecurityInstrument to Trustee. Trustee shall reconvey the Property without warranty to the person or persons legally entitled to it.Lender may charge such person or persons a reasonable fee for reconveying the Property, but only if the fee is paid to a thirdparty (such as the Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. If the feecharged does not exceed the fee set by Applicable Law, the fee is conclusively presumed to be reasonable.

24. Substitute Trustee. Lender, at its option, may from time to time appoint a successor trustee to any Trusteeappointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the Recorder of thecounty in which the Property is located. The instrument shall contain the name of the original Lender, Trustee and Borrower,the book and page where this Security Instrument is recorded and the name and address of the successor trustee. Withoutconveyance of the Property, the successor trustee shall succeed to all the title, powers and duties conferred upon the Trusteeherein and by Applicable Law. This procedure for substitution of trustee shall govern to the exclusion of all other provisionsfor substitution.

25. Statement of Obligation Fee. Lender may collect a fee not to exceed the maximum amount permitted byApplicable Law for furnishing the statement of obligation as provided by Section 2943 of the Civil Code of California.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrumentand in any Rider executed by Borrower and recorded with it.

The undersigned Borrower requests that a copy of any Notice of Default and any Notice of Sale under this Security Instrumentbe mailed to the Borrower at the address set forth above.

- BORROWER - ISMAEL MORENO


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A notary public or other officer completing this certificate verifies only the identity of the individual who signed thedocument to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.

State of CALIFORNIA ) )County of SANTA CLARA )

On before me, , (here insert name and title of the officer)personally appeared ISMAEL MORENO, MARIA DOLORES MORENO, who proved to me on the basis of satisfactoryevidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/theyexecuted the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument theperson(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true andcorrect.

WITNESS my hand and official seal.

Signature (Seal)

Individual Loan Originator: LORI ACKERMAN, NMLSR ID: 366353

Loan Originator Organization: C2 FINANCIAL CORPORATION, NMLSR ID: 135622

Loan Originator Organization (Creditor): LOANDEPOT.COM, LLC, NMLSR ID: 174457

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FACT Act NoticeNotice Regarding Furnishing Negative Information

MORENO

Loan #: 600298971

MIN: 100853706002989711

Date: OCTOBER 18, 2021

Lender: LOANDEPOT.COM, LLC

Borrower(s): ISMAEL MORENO



We (Lender) may report information about your (Borrower[s]) account to credit bureaus. Latepayments, missed payments, or other defaults on your account may be reflected in your creditreport.

15 USCA § 1681s-2(a)(7); 12 CFR § 1022.1(b)(2)(ii) & 12 CFR Pt. 1022, App. B

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to acredit reporting agency if you fail to fulfill the terms of your credit obligations.

Cal. Civ. Code §1785.26

By signing below, you acknowledge receipt of this Notice.

- BORROWER - ISMAEL MORENO - DATE -

- BORROWER - MARIA DOLORES MORENO - DATE -

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4387.21



Loan Number: 600298971




DISCLOSURE CONCERNING THE CHARGING OF PER DIEM INTEREST

ON CALIFORNIA RESIDENTIAL MORTGAGE LOANS MORENO

Loan #: 600298971

MIN: 100853706002989711

You are about to close your California residential mortgage loan. Under California Law, the Lender may begin charging interest on yourloan at the note rate up to one day prior to the disbursement of the loan proceeds out of escrow. If there is no escrow and a request to recordthe security instrument has been made, then the Lender may begin charging interest on your loan at the note rate up to one day prior to thedisbursement of the loan proceeds to you or to a third party on your behalf or to a lender to satisfy an existing obligation. If there is noescrow and no request for recording, then the Lender may begin charging interest on your loan at the note rate on the date funds aredisbursed to you, to a third party on your behalf or to the lender to satisfy an existing obligation.

However, if you affirmatively request and Lender agrees that the disbursement of the loan proceeds occur on a Monday or on the dayimmediately following a Bank Holiday, interest on your loan may commence to accrue on the business day immediately preceding the dayof disbursement. For instance, if you elect to have your loan proceeds disbursed on a Monday, interest may begin to accrue on Friday, (thepreceding business day); the maximum amount of additional interest that may be charged to you prior to the disbursement date will be threedays. It may be possible to avoid this additional per diem interest charge by requesting the disbursement of the loan proceeds on a dayimmediately following a business day.

Cal. Civ. Code § 2948.5

I HAVE READ THE FOREGOING DISCLOSURE AND UNDERSTAND THAT I MAY BE CHARGED A HIGHER AMOUNT OFINTEREST IF I CHOOSE DISBURSEMENT OF MY LOAN PROCEEDS TO OCCUR ON A MONDAY OR ON A BUSINESS DAYIMMEDIATELY FOLLOWING A BANK HOLIDAY.

I elect disbursement of my loan proceeds to occur on any day BUT a Monday or on a business day immediately following a BankHoliday in order to avoid incurring interest charges beyond one day prior to disbursement of loan proceeds.

I elect disbursement of my loan proceeds to occur on a Monday, or a business day immediately following a Bank Holiday and agreeto pay additional interest in the amount of $14.80 per day to close my loan on this day.

ACKNOWLEDGMENTI/we acknowledge that we have received this Disclosure and understand its provisions.



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878.116

Borrower's Declaration MORENO

Loan #: 600298971MIN: 100853706002989711



Borrower(s): ISMAEL MORENOMARIA DOLORES MORENO


The Borrower(s) hereby declares the following:

That all of the information outlined in the "Uniform Residential Loan Application" (FNMA Form 1003/FHLMC Form65) accompanying this document, as well as all other information and documentation provided by the Borrower(s), iscurrent, correct, and true, particularly information concerning the employment, income, liabilities, and assets of theBorrower(s);

That the income and employment of the Borrower(s) has not been impaired due to the effects of COVID-19, includinggovernmental regulations made to address this virus;

The Borrower(s) has not made (and is unaware of) any material omissions, misrepresentations, and misstatements offact throughout the loan process;

The Borrower(s):Is unaware of any changes (pending or otherwise) to the employment, income, liabilities, and assets of theBorrower(s) which would negatively affect the ability to repay the loan referenced above; andDoes not reasonably anticipate that any such changes will occur in the near future; and

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That the Borrower(s) understands each of the following points:That the Federal CARES Act (specifically 15 U.S.C.A. § 9056) may permit the Borrower(s) to request aforbearance on a "federally backed mortgage loan" if the Borrower(s) is experiencing a financial hardship due tothe COVID-19 emergency.

A "federally backed mortgage loan" is a loan which is:Insured by the Federal Housing Administration (FHA);

Guaranteed under the Department of Housing and Urban' Developments (HUD) Native American orNative Hawaiian Home Loan Guarantee programs;

Guaranteed or insured by either the Department of Veterans Affairs (VA) or the Department ofAgriculture (USDA); or

Purchased or securitized by Fannie Mae or Freddie Mac.

The current loan being extended to the Borrower(s) may or may not be a "federally backed mortgage loan".

If the current loan is a "federally backed mortgage loan", it may not be purchased or insured/guaranteedimmediately after closing. In such case, a forbearance pursuant to the Federal CARES Act may not be possiblefor, at least, a couple of months after closing. Regardless, the Borrower(s) should not delay in contacting theLender if the Borrower(s) is experiencing a financial hardship related to COVID-19.

If the current loan is not a "federally backed mortgage loan", a forbearance under and pursuant to the FederalCARES Act is not possible.

A forbearance is not a substitute for the Borrower(s) ability to repay the loan. The Borrower(s) are stillrequired to eventually repay the amount of the forbearance.

Execution

I/We, the Borrower(s), declare that the foregoing is true and correct.



600298971

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23858.35

Date: OCTOBER 18, 2021 USA Patriot Act Disclosure

Borrower IdentificationMORENO

Loan #: 600298971

MIN: 100853706002989711

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNTTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and recordinformation that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. Wemay also ask to see your driver's license or other identifying documents.

Please provide the following information. We require one primary form of identification for each borrower to comply with section 326 of the Act.

Borrower's Name:

ISMAEL MORENOAddress:

5296 CREEK EST


Loan Number: 600298971Date of Birth: SEPTEMBER 4, 1945

Social Security # / Tax ID #1: 455-80-6742

IMPORTANT - Information listed below must be exactly as indicated on the document.Primary Forms of Identification - must display Borrower's name

Document Country/State of Origin ID Number Issuance Date Expiration Date

State Issued Driver License

State Issued ID Card

Military ID Card

Passport

U.S. Alien Registration Card

Canadian Driver License Comments:

I certify that I have personally viewed and accurately recorded the information from the documents identified above, and have reasonably confirmed the identity ofthe applicant.

Certifier's Signature Date Certifier's Printed Name and Title

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1 For persons without a SSN/TIN, the ID number must be from one of the following: passport, alien ID card, or any other government issued document evidencing nationality orresidence and bearing a photograph or similar safeguard.

2531.228 31 USCA § 5318; 31 CFR § 1020.220(a)(5)

Date: OCTOBER 18, 2021 USA Patriot Act Disclosure

Borrower IdentificationMORENO

Loan #: 600298971

MIN: 100853706002989711

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNTTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and recordinformation that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. Wemay also ask to see your driver's license or other identifying documents.

Please provide the following information. We require one primary form of identification for each borrower to comply with section 326 of the Act.

Borrower's Name:

MARIA DOLORES MORENOAddress:

5296 CREEK EST

SAN JOSE, CA 95135

Loan Number: 600298971Date of Birth: MARCH 23, 1956

Social Security # / Tax ID #1: 572-04-3315

IMPORTANT - Information listed below must be exactly as indicated on the document.Primary Forms of Identification - must display Borrower's name

Document Country/State of Origin ID Number Issuance Date Expiration Date

State Issued Driver License

State Issued ID Card

Military ID Card

Passport

U.S. Alien Registration Card

Canadian Driver License Comments:

I certify that I have personally viewed and accurately recorded the information from the documents identified above, and have reasonably confirmed the identity ofthe applicant.

Certifier's Signature Date Certifier's Printed Name and Title

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2531|1|1|600298971

1 For persons without a SSN/TIN, the ID number must be from one of the following: passport, alien ID card, or any other government issued document evidencing nationality orresidence and bearing a photograph or similar safeguard.

2531.228 31 USCA § 5318; 31 CFR § 1020.220(a)(5)

Form 4506-C

(September 2020)Department of the Treasury - Internal Revenue Service

IVES Request for Transcript of Tax ReturnOMB Number

1545-1872

» Do not sign this form unless all applicable lines have been completed.

» Request may be rejected if the form is incomplete or illegible.

» For more information about Form 4506-C, visit www.irs.gov and search IVES.1a. Name shown on tax return (if a joint return, enter the name shown first)

ISMAEL MORENO

1b. First social security number on tax return, individual taxpayer identification number, oremployer identification number (see instructions)

455-80-6742 2a. If a joint return, enter spouse's name shown on tax return


2b. Second social security number or individual taxpayer identification number if joint taxreturn

572-04-33153. Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions) ISMAEL MORENO, 5296 CREEK EST, SAN JOSE, CA 95135 UNITED STATES4. Previous address shown on the last return filed if different from line 3 (see instructions)

5a. IVES participant name, address, and SOR mailbox ID 5b. Customer file number (if applicable) (see instructions) Caution: This tax transcript is being sent to the third party entered on Line 5a. Ensure that lines 5 through 8 are completed before signing. (see instructions)

6. Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request

1040 a. Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to the account after

the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120-A, Form 1120-H, Form 1120-L,and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years

b. Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustmentsmade by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts areavailable for most returns

c. Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current yearand 3 prior tax years

7. Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. Stateor local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the currentyear is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2016, filed in 2017, will likely not be available from the IRS until2018. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213

Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506and request a copy of your return, which includes all attachments.8. Year or period requested. Enter the ending date of the tax year or period using the mm/dd/yyyy format (see instructions) 12/31/2020 12/31/2019 12/31/2018 12/31/2017Caution: Do not sign this form unless all applicable lines have been completed.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the requestapplies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matters partner,executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-C on behalf of the taxpayer. Note: This form must bereceived by IRS within 120 days of the signature date.

Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority to sign the Form 4506-C. See instructions.

Sign

Here

Signature (see instructions)

Date

Phone number of taxpayer on line 1a or 2a

(408) 270-1086Print/Type name

ISMAEL MORENOTitle (if line 1a above is a corporation, partnership, estate, or trust)

Spouse's signature

Date

Print/Type name


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Catalog Number 72627P www.irs.gov Form 4506-C (9-2020)For Privacy Act and Paperwork Reduction Act Notice, see page 2.

10144.331

www.irs.gov

www.irs.gov

600298971

Instructions for Form 4506-C, IVES Request for Transcript of Tax Return

Section references are to the Internal Revenue Codeunless otherwise noted.

Future DevelopmentsFor the latest information about Form 4506-C and itsinstructions, go to www.irs.gov and search IVES.Information about any recent developments affecting Form4506-C (such as legislation enacted after we released it)will be posted on that page.

What's New. Form 4506-C was created to be utilized byauthorized IVES participants to order tax transcripts withthe consent of the taxpayer.

General InstructionsCaution: Do not sign this form unless all applicable lineshave been completed.

Designated Recipient Notification. Internal RevenueCode, Section 6103(c), limits disclosure and use of returninformation received pursuant to the taxpayer's consentand holds the recipient subject to penalties for anyunauthorized access, other use, or redisclosure without thetaxpayer's express permission or request.

Taxpayer Notification. Internal Revenue Code, Section6103(c), limits disclosure and use of return informationprovided pursuant to your consent and holds the recipientsubject to penalties, brought by private right of action, forany unauthorized access, other use, or redisclosurewithout your express permission or request.

Purpose of form. Use Form 4506-C to request tax returninformation through an authorized IVES participant. Youwill designate an IVES participant to receive the informationon line 5a.

Note: If you are unsure of which type of transcript youneed, check with the party requesting your tax information.

Where to file. The IVES participant will fax Form 4506-Cwith the approved IVES cover sheet to their assignedService Center.

Chart for ordering transcriptsIf your assigned

Service Center is:Fax the requests with

the approved

coversheet to:

Austin Submission

Processing CenterAustin IVES Team

844-249-6238

Fresno Submission

Processing CenterFresno IVES Team

844-249-6239

Kansas City Submission

Processing CenterKansas City IVES Team

844-249-8128

Ogden Submission

Processing CenterOgden IVES Team

844-249-8129

Specific InstructionsLine 1b. Enter the social security number (SSN) orindividual taxpayer identification number (ITIN) for theindividual listed on line 1a, or enter the employeridentification number (EIN) for the business listed on line1a.

Line 3. Enter your current address. If you use a P.O. box,include it on this line.

Line 4. Enter the address shown on the last return filed ifdifferent from the address entered on line 3.

Note: If the addresses on lines 3 and 4 are different andyou have not changed your address with the IRS, file Form8822, Change of Address, or Form 8822-B, Change ofAddress or Responsible Party — Business, with Form4506-C.

Line 5b. Enter up to 10 numeric characters to create aunique customer file number that will appear on thetranscript. The customer file number cannot contain anSSN, ITIN or EIN. Completion of this line is not required.

Note. If you use an SSN, name or combination of both, wewill not input the information and the customer file numberwill reflect a generic entry of "9999999999" on thetranscript.

Line 8. Enter the end date of the tax year or periodrequested in mm/dd/yyyy format. This may be a calendaryear, fiscal year or quarter. Enter each quarter requestedfor quarterly returns. Example: Enter 12/31/2018 for acalendar year 2018 Form 1040 transcript.

Signature and date. Form 4506-C must be signed anddated by the taxpayer listed on line 1a or 2a. The IRS mustreceive Form 4506-C within 120 days of the date signed bythe taxpayer or it will be rejected. Ensure that all applicablelines, including lines 5a through 8, are completed beforesigning.

You must check the box in the signature area toacknowledge you have the authority to sign andrequest the information. The form will not beprocessed if unchecked.

Individuals. Transcripts listed on on line 6 may befurnished to either spouse if jointly filed. Only one signatureis required. Sign Form 4506-C exactly as your nameappeared on the original return. If you changed your name,also sign your current name.

Corporations. Generally, Form 4506-C can be signed by:

(1) an officer having legal authority to bind the corporation,(2) any person designated by the board of directors orother governing body, or (3) any officer or employee onwritten request by any principal officer and attested to bythe secretary or other officer. A bona fide shareholder ofrecord owning 1 percent or more of the outstanding stockof the corporation may submit a Form 4506-C but mustprovide documentation to support the requester's right toreceive the information.

Partnerships. Generally, Form 4506-C can be signed byany person who was a member of the partnership duringany part of the tax period requested on line 8.

All others. See section 6103(e) if the taxpayer has died, isinsolvent, is a dissolved corporation, or if a trustee,guardian, executor, receiver, or administrator is acting forthe taxpayer.

Note: If you are Heir at law, Next of kin, or Beneficiary youmust be able to establish a material interest in the estate ortrust.

Documentation. For entities other than individuals, youmust attach the authorization document. For example, thiscould be the letter from the principal officer authorizing anemployee of the corporation or the letters testamentaryauthorizing an individual to act for an estate.

Signature by a representative. A representative can signForm 4506-C for a taxpayer only if the taxpayer hasspecifically delegated this authority to the representative onForm 2848, line 5. The representative must attach Form2848 showing the delegation to sign Form 4506-C.

Privacy Act and Paperwork Reduction Act Notice. Weask for the information on this form to establish your rightto gain access to the requested tax information under theInternal Revenue Code. We need this information toproperly identify the tax information and respond to yourrequest. You are not required to request any transcript; ifyou do request a transcript, sections 6103 and 6109 andtheir regulations require you to provide this information,including your SSN or EIN. If you do not provide thisinformation, we may not be able to process your request.Providing false or fraudulent information may subject youto penalties.

Routine uses of this information include giving it to theDepartment of Justice for civil and criminal litigation, andcities, states, the District of Columbia, and U.S.commonwealths and possessions for use in administeringtheir tax laws. We may also disclose this information toother countries under a tax treaty, to federal and stateagencies to enforce federal nontax criminal laws, or tofederal law enforcement and intelligence agencies tocombat terrorism.

You are not required to provide the information requestedon a form that is subject to the Paperwork Reduction Actunless the form displays a valid OMB control number.Books or records relating to a form or its instructions mustbe retained as long as their contents may become materialin the administration of any Internal Revenue law.Generally, tax returns and return information areconfidential, as required by section 6103.

The time needed to complete and file Form 4506- C willvary depending on individual circumstances. The estimatedaverage time is:Learning about the law or the form . . . . . . . . . 10 min.

Preparing the form . . . . . . . . . . . . . . . . . . . . . . 12 min.

Copying, assembling, and sending

the form to the IRS . . . . . . . . . . . . . . . . . . . . . .

20 min.

If you have comments concerning the accuracy of thesetime estimates or suggestions for making Form 4506-Csimpler, we would be happy to hear from you. You canwrite to:

Internal Revenue Service

Tax Forms and Publications Division

1111 Constitution Ave. NW, IR-6526

Washington, DC 20224

Do not send the form to this address. Instead, see Whereto file on this page.

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Catalog Number 72627P www.irs.gov Form 4506-C (9-2020)10144.331

www.irs.gov

TAXPAYER CONSENT FORM MORENO

Loan #: 600298971

MIN: 100853706002989711






I/We understand, acknowledge, and agree that the Lender and Other Loan Participants can obtain, use and share personal taxreturn information and as applicable business tax return information from every business tax return for which my Lender hasobtained a form 4506-C for purposes of (i) providing an offer; (ii) originating, maintaining, managing, monitoring, servicing,selling, insuring, and securitizing a loan; or (iii) as otherwise permitted by applicable laws, including state and federal privacyand data security laws. The Lender includes the Lender's affiliates, agents, service providers and any of aforementioned parties'successors and assigns. The Other Loan Participants includes any actual or potential owners of a loan resulting from my/ourloan application, or acquirers of any beneficial or other interest in the loan, any mortgage insurer, guarantor, any servicers orservice providers for these parties and any of aforementioned parties' successors and assigns.

26 U.S.C.A. § 6103(c)



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23556.56

NOTICE OF RIGHT TO CANCELBorrower(s): ISMAEL MORENO



MORENO

Loan #: 600298971

MIN: 100853706002989711

YOUR RIGHT TO CANCEL

You are entering into a transaction that will result in a mortgage/lien/security interest on your home. You have a legal right under federal lawto cancel this transaction, without cost, within THREE (3) BUSINESS DAYS from whichever of the following events occurs last:

(1) the date of the transaction, which is OCTOBER 18, 2021; or ; or(2) the date you received your Truth-in-Lending disclosures; or(3) the date you received this notice of your right to cancel.

If you cancel the transaction, the mortgage/lien/security interest is also cancelled. Within 20 CALENDAR DAYS after we receive yournotice, we must take the steps necessary to reflect the fact that the mortgage/lien/security interest on your home has been cancelled; and wemust return to you any money or property you have given to us or to anyone else in connection within this transaction.

You may keep any money or property we have given you until we have done the things mentioned above, but you must then offer to returnthe money or property. If it is impractical or unfair for you to return the property, you must offer its reasonable value. You may offer toreturn the property at your home or at the location of the property. Money must be returned to the address below. If we do not takepossession of the money or property within 20 CALENDAR DAYS of your offer, you may keep it without further obligation.

HOW TO CANCEL

If you decide to cancel this transaction, you may do so by notifying us in writing at:LOANDEPOT.COM, LLC

ATTN: RESCISSION DEPARTMENT


FOOTHILL RANCH, CALIFORNIA 92610

FAX# to: (949)470-6596 and email to: [email protected]

You may use any written statement that is signed and dated by you and states your intention to cancel or you may use this notice by dating

and signing below. Keep one copy of this notice because it contains important information about your rights. If you cancel by mail or

telegram, you must send the notice no later than MIDNIGHT of OCTOBER 21, 2021 or (or

MIDNIGHT of the THIRD BUSINESS DAY* following the latest of the three events listed above). If you send or deliver your written

notice to cancel some other way, it must be delivered to the above address no later than that time.

I WISH TO CANCEL

Date:

RECEIPT OF NOTICE OF RIGHT TO CANCEL

Each of the undersigned have now received two Notice of Right to Cancel forms. The above real estate loan cannot be funded until THREE(3) BUSINESS DAYS* have elapsed since the date of this acknowledgment of receipt of the Notice of Right to Cancel.

*Business days include all days except Sundays, New Year's Day, Martin Luther King Day, Washington's Birthday, Memorial Day,Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and ChristmasDay.


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8204.418

NOTICE OF RIGHT TO CANCELBorrower(s): ISMAEL MORENO



MORENO

Loan #: 600298971

MIN: 100853706002989711

YOUR RIGHT TO CANCEL

You are entering into a transaction that will result in a mortgage/lien/security interest on your home. You have a legal right under federal lawto cancel this transaction, without cost, within THREE (3) BUSINESS DAYS from whichever of the following events occurs last:

(1) the date of the transaction, which is OCTOBER 18, 2021; or ; or(2) the date you received your Truth-in-Lending disclosures; or(3) the date you received this notice of your right to cancel.

If you cancel the transaction, the mortgage/lien/security interest is also cancelled. Within 20 CALENDAR DAYS after we receive yournotice, we must take the steps necessary to reflect the fact that the mortgage/lien/security interest on your home has been cancelled; and wemust return to you any money or property you have given to us or to anyone else in connection within this transaction.

You may keep any money or property we have given you until we have done the things mentioned above, but you must then offer to returnthe money or property. If it is impractical or unfair for you to return the property, you must offer its reasonable value. You may offer toreturn the property at your home or at the location of the property. Money must be returned to the address below. If we do not takepossession of the money or property within 20 CALENDAR DAYS of your offer, you may keep it without further obligation.

HOW TO CANCEL

If you decide to cancel this transaction, you may do so by notifying us in writing at:LOANDEPOT.COM, LLC

ATTN: RESCISSION DEPARTMENT


FOOTHILL RANCH, CALIFORNIA 92610

FAX# to: (949)470-6596 and email to: [email protected]

You may use any written statement that is signed and dated by you and states your intention to cancel or you may use this notice by dating

and signing below. Keep one copy of this notice because it contains important information about your rights. If you cancel by mail or

telegram, you must send the notice no later than MIDNIGHT of OCTOBER 21, 2021 or (or

MIDNIGHT of the THIRD BUSINESS DAY* following the latest of the three events listed above). If you send or deliver your written

notice to cancel some other way, it must be delivered to the above address no later than that time.

I WISH TO CANCEL

Date:

RECEIPT OF NOTICE OF RIGHT TO CANCEL

Each of the undersigned have now received two Notice of Right to Cancel forms. The above real estate loan cannot be funded until THREE(3) BUSINESS DAYS* have elapsed since the date of this acknowledgment of receipt of the Notice of Right to Cancel.

*Business days include all days except Sundays, New Year's Day, Martin Luther King Day, Washington's Birthday, Memorial Day,Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and ChristmasDay.


- DATE -

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FIRST PAYMENT LETTER MORENO

Loan #: 600298971

MIN: 100853706002989711

DATE: OCTOBER 18, 2021

LOAN NUMBER: 600298971

PROPERTY ADDRESS: 5296 CREEK ESTATES, SAN JOSE, CA 95135

TO: ISMAEL MORENO


5296 CREEK EST

SAN JOSE, CA 95135

The first regular monthly payment on the above mortgage loan is due on DECEMBER 1, 2021, and will continue monthly untilNOVEMBER 1, 2041. Based on the preliminary information now available for the amount of taxes and insurance, the undersignedunderstands that the ESTIMATE of the total monthly payment is as follows:

Principal and Interest $ 1,191.72 Homeowner's Insurance $ Mortgage Insurance $ Property Taxes $ $ $ TOTAL PAYMENT: $ 1,191.72

The undersigned further acknowledges that monthly statements will be sent to the undersigned, and that the amount of monthly paymentmay differ from the amount shown above, depending upon the latest estimate of the amount for taxes and insurance.

RECEIVED AND ACKNOWLEDGED:



PAYMENT MUST BE SENT TO:LOANDEPOT.COM, LLC

PO BOX 5710

CHICAGO, IL 60680-5681

Please visit loanDepot.com to make a payment online. You may also refer to the Welcome to Servicing letter included in this package foradditional payment options.

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7606.794

www.loandepot.com

WELCOME TO SERVICING

Thank you for choosing loanDepot as your home loan provider! Our goal is to ensure a smooth transition from loan Originationto Servicing and to always provide excellent customer service. Listed below is important information you will need toeffectively manage your new loanDepot loan.

Loan Number: 600298971Your loan number will change after closing.

Your new loan number will be provided on your first statement which will be mailed approximately 8 days after theloan is funded.Your first statement will also be available on the loanDepot Servicing website 9 days after the loan is funded in the E-Docs folder.It is very important to include your new loan number on all correspondence and payments.

Servicing Portal:Once you receive our Welcome to Servicing e-mail from loanDepot, please visit loanDepot.com to create an account on theloanDepot Servicing website.

Click the "Make a Payment" button in the upper right corner of the home page to view the Home Loan Servicinginformation page. Then click the "Make a Payment" button to access the registration page for the loanDepot Servicingwebsite. You will need to use the loan number provided above.Communications, payments options, e-document, and other information about your loan can be found on the website.

Loan Transfers:Your loan may continue to be serviced at our Texas Servicing Center or it may be transferred to a different servicer. If yourloan is transferred, you will receive a Goodbye/Transfer letter at least 15 days prior to your loan transferring, identifying yournew servicer, new contact information, and new payment address. All transfer information will also be available on theloanDepot Servicing website, and a copy of the letter will be available under the "E-Docs" menu of the Servicing website.

Payment Options:Online

Your first mortgage payment is due DECEMBER 1, 2021. Please visit www.loanDepot.com to make a paymentonline on the loanDepot Servicing website. There is no charge for this service.If you choose to make your first mortgage payment using the online bill pay service through your financial institution,be sure to confirm all the information you input is accurate. If your new loan is a refinance, be sure to update youronline bill pay service with your new loan number to ensure timely payments.To help ensure on-time payments, when scheduling payments through on-line bill bay, please consider any additionalprocessing time they may need.Monthly Auto Draft will become available and allows loanDepot to draft your monthly mortgage payment from yourfinancial institution each month. You will receive an e-mail when this option is available to you. A one-time setup isrequired on the loanDepot Servicing website.

Mail

Mail your payment along with the payment coupon included in your most recent statement to P.O. Box 5710, Chicago,IL 60680-5681. Be sure to include the loan number on your check.If you need to make an overnight payment, mail your payment along with the payment coupon included in your mostrecent statement to 25500 Commercecentre Drive, Lake Forest, CA 92360.

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22539.37

Phone

To make a payment using our automated phone system, please have your loan number available and call us at (866) 258-6572. Our automated phone system is available 24 hours a day, 7 days a week. There is no charge for this service.If you do not have your loan number, call us at (866) 258-6572. Our representatives are available Monday - Friday,from 7:00 a.m. - 7:00 p.m. CST.

Property Taxes:Depending on the location of the property securing your transaction and the type of transaction, it is possible that asupplemental tax bill may be generated.

This bill will be sent to you directly from the taxing authorities.Payment of this bill is your responsibility, even if your taxes are escrowed.

You may receive a notification of an increase in the tax assessment on your property.We may need to adjust your monthly payment to cover any increase in your tax assessment after we havecompleted the annual escrow analysis on your loan. We will contact you if that happens.

Sincerely,

Customer Service DepartmentloanDepot.com, LLC.

Credit Disputes, Notifications of Error, Requests for Information, or Qualified Written Requests concerning your loan must bedirected to:loanDepotP.O. Box 251027Plano, TX 75025

600298971

WELCOME TO SERVICING

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22539.37

SIGNATURE/NAME AFFIDAVITDate: OCTOBER 18, 2021Lender: LOANDEPOT.COM, LLC

MORENO

Loan #: 600298971

MIN: 100853706002989711



I, the undersigned Borrower, state that I am one and the same person named in the Note and Security Instrument. I also swearand affirm that the signature below is my true and exact signature for execution of the loan documentation.

I hereby certify that:

ISMAEL MORENO

ISMAEL J MORENO

MORENO,ISMAEL,D

are one and the same person.

ISMAEL MORENO(Print or Type Name)

Signature DateISMAEL MORENO



On before me, , (here insert name and title of the officer)

personally appeared ISMAEL MORENO who proved to me on the basis of satisfactory evidence to be the person(s) whosename(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/theirauthorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf ofwhich the person(s) acted, executed the instrument.



Signature (Seal)

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865.204

SIGNATURE/NAME AFFIDAVITDate: OCTOBER 18, 2021Lender: LOANDEPOT.COM, LLC

MORENO

Loan #: 600298971

MIN: 100853706002989711



I, the undersigned Borrower, state that I am one and the same person named in the Note and Security Instrument. I also swearand affirm that the signature below is my true and exact signature for execution of the loan documentation.

I hereby certify that:

MARIA D MORENO


are one and the same person.

MARIA DOLORES MORENO(Print or Type Name)

Signature DateMARIA DOLORES MORENO




personally appeared MARIA DOLORES MORENO who proved to me on the basis of satisfactory evidence to be the person(s)whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same inhis/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity uponbehalf of which the person(s) acted, executed the instrument.



Signature (Seal)

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865.204

CALIFORNIA HAZARD INSURANCE DISCLOSURE MORENO

Loan #: 600298971

MIN: 100853706002989711

Date: OCTOBER 18, 2021Lender: LOANDEPOT.COM, LLC



Property Address: 5296 CREEK ESTATES

SAN JOSE, CA 95135

The lender shall not require the borrower, as a condition of receiving or maintaining a loan secured by real property, to provide hazardinsurance coverage against risks to the improvements on that real property in an amount exceeding the replacement value of theimprovements on that property. Cal. Civ. Code § 2955.5(a)

You will be required to obtain hazard insurance coverage on the property referenced above as a condition of the mortgage loan. Youhave the option of providing insurance coverage through a policy you already own or control, or through a policy you obtain and payfor. The lender may, for reasonable cause, refuse to accept the insurance provided by you based on the financial ratings and strength ofthe insurer. Cal. Ins. Code §§ 770 & 772

By signing below, you acknowledge receipt of this Disclosure. You also declare that you are voluntarily choosing the insurance agentor broker through whom the insurance is or will be transacted and that the choice of such insurance agent or broker was not made acondition precedent to the loan you have applied for.



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2350.56

HAZARD INSURANCE AUTHORIZATION AND REQUIREMENTS

LENDER: LOANDEPOT.COM, LLC DATE: OCTOBER 18, 2021ESCROW CO: ATLAS TITLE AGENCY, INC. LOAN #: 600298971 ESCROW #: CA-2109-015388-BORROWER'S NAME(S) ISMAEL MORENO



Listed below are your Lender's policies and procedures, and minimum requirements, for the Hazard Insurance which must be providedcovering the subject property.

1. Coverage must be in an amount at least equal to the sum of this loan plus any existing prior liens, not to exceed the maximumamount allowed by state law. If your loan program allows for potential negative amortization, your lender may require that theamount of coverage be increased to protect the amount of potential negative amortization.

2. The insurance company providing coverage must have an "A" rating or better in the latest edition of "Best's Insurance Guide,"must be licensed in the State in which the property described above is located, and must be licensed to transact the lines ofinsurance required in this transaction.

3. Policy shall provide at least "Broad Form" coverage on properties of one to four units, and at least "Vandalism & MaliciousMischief" on properties with over four units, with no deviation. Homeowners policies must provide coverage equal to "HO 2"form.

4. Policies must contain deductibles on any peril. Deductibles may not exceed five percent of the face amount of the insurancepolicy.

5. Policy must provide coverage for a term of at least one year. Premiums may be paid on an annual installment basis only if thepolicy provides that the Lender will be notified in writing of cancellation 30 days prior to expiration of coverage, for anycause. Binders are not acceptable.

6. If any existing policy is provided which will expire within six months from the date of the recording of this loan, said policymust be renewed for the required term as noted in #5 above.

7. All forms and endorsements pertaining to the Lender's requirements must appear on the "Declaration Page" of the policy.8. New policies must be accompanied by a signed "Broker of Record Authorization" if borrower(s) have changed Insurance

Agents.9. Verification of renewal of insurance policies must be in the Lender's office at least thirty days prior to the expiration date of

the existing policy. If this requirement is not met, the LENDER OR ITS SUCCESSORS OR ASSIGNS MAY AT THEIROPTION, BUT WITHOUT OBLIGATION TO DO SO, PROVIDE COVERAGE TO REPLACE ANY EXPIRINGPOLICIES WHICH HAVE NOT BEEN PROPERLY RENEWED. The premium for such coverage will be remitted promptlyby the undersigned, or Lender may charge borrower's account for the cost thereof.

10. Lender's Loss Payable Endorsement 438 BFU to be affixed in favor of:LOANDEPOT.COM, LLC, ISAOA/ATIMA

PO BOX 7114

TROY, MI 48007-711411. Property address and insured's names must be designated on the policy as on the ALTA Title Policy.12. The Lender's loan number must appear on the policy and any subsequent endorsements.13. The effective date of new policies, endorsements, and/or assignments shall be as of, or prior to, the date of recording of this

loan.14. Please notify your agent to forward future premium notices directly to you.15. If the security property is a condominium, the master insurance policy must contain a minimum of $1,000,000.00 coverage for

"Directors & Officers" liability. A copy of the master policy must be submitted to the Lender prior to funding.AN ACCEPTABLE POLICY, WITH ENDORSEMENTS AND/OR ASSIGNMENTS, MUST BE FORWARDED TO ANDRECEIVED BY LENDER BEFORE THIS LOAN CAN BE FUNDED: OTHERWISE, LENDER MAY BE FORCED TO PLACEINTERIM COVERAGE ON THE PROPERTY AT AN ADDITIONAL COST TO THE BORROWER(S).

Each of the undersigned acknowledges that he or she has read and understands the foregoing provisions and insurance requirements.This authorization will remain irrevocable for the undersigned as owner(s) of the subject property, and for any assignees, for as longas this loan remains on subject property.



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1300.73

ACKNOWLEDGMENTS: INITIAL DISCLOSURES Loan Number: 600298971Delivery Date: 10/18/2021

INITIAL DISCLOSURES FORM

I/We acknowledge receipt of the form titled "Combined Initial Disclosures" and further acknowledge the following:

APPLICATION FOR JOINT CREDITI/We each agree that we intend to apply for joint credit.

RIGHT TO CHOOSE INSURER AND HAZARD INSURANCE INFORMATION SECTIONI/We acknowledge that I/we have read and understand the section entitled "Right to Choose Insurer and Hazard Insurance Information"included in the Combined Initial Disclosures form and understand that I/We may obtain property insurance from any insurancecompany that meets the Lender's requirements.

RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY SECTIONI/We acknowledge that I/we have read and understand the section entitled "Right to Choose Closing Agent/ Attorney" included in theCombined Initial Disclosures form. If your loan is to purchase a home, we will use the provider listed in your sales contract. If you arerefinancing your existing loan and if you do not select your own closing agent, we may choose the closing agent, escrow compareattorney and/or Title Company listed on the Settlement Service Providers Notice. If you wish to select your own provider, please notifyyour loan originator of the name and contact information of the provider.

IMPOUND ACCOUNTSI/We acknowledge that I/we have read and understand the section entitled "Impound Accounts" included in the Combined InitialDisclosures form and elect to do the following:

Agree to establish an impound account for the payment of property taxes an insurance premiums relating to this loan.

Accept responsibility for direct payment of property taxes an insurance premiums relating to this loan. I understand that failureto make timely payments will jeopardize this arrangement and may result in a mandatory impound account being established.

CREDIT SCORE DISCLOSURESI/We acknowledge that I/we received the Credit Score Disclosures and understand that the lender will disclose the credit score providedby the credit bureau(s) that will be used in connection with my/our home loan.

LIST OF HOMEOWNERSHIP COUNSELORS

I/We acknowledge receipt of the List of Homeownership Counseling Agencies disclosures.



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v11.28.18

22927.4

OCCUPANCY STATEMENT MORENO

Loan #: 600298971

MIN: 100853706002989711Date: OCTOBER 18, 2021





Borrower hereby declares, under penalty of perjury, as follows:

Owner Occupied

I/We will occupy the subject property as my/our principal residence within 60 days after the date of closing as required by, andin compliance with, the terms of the Deed of Trust/Mortgage/Security Instrument relating to the subject property. I/We willcontinue to occupy the property as my/our principal residence for at least one year after the date of occupancy, unless Lenderotherwise agrees in writing or extenuating circumstances exist which are beyond my/our control.

Occupied as a Second Home

I/We will occupy the subject property as my/our second residence as required by, and in compliance with, the terms of theDeed of Trust/Mortgage/Security Instrument relating to the subject property.

Investment Property - Will Not Occupy

I/We will not occupy the subject property.

I/We are aware of and understand that if at any time it is determined that the foregoing statement is untrue, I/We will be subject toprosecution for fraud under applicable state laws.

I certify under penalty of Chapter 18, U.S.C. 1010 to 1014 that the statement contained herein is true and correct.



A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document towhich this certificate is attached, and not the truthfulness, accuracy, or validity of that document.

State of CALIFORNIA

County of SANTA CLARA

Subscribed and sworn to (or affirmed) before me on this day of by ISMAEL MORENOand MARIA DOLORES MORENO, proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me.Seal

Signature

My Commission Expires:

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15.209

CALIFORNIA - IMPOUND ACCOUNT STATEMENT

MORENO

Loan #: 600298971

MIN: 100853706002989711






Under certain conditions borrowers may be required to establish an impound account to ensure the payment of taxes on theproperty, insurance premiums or other purposes relating to the property. An impound may be required when:

required by a state or federal regulatory authority;1.a loan is made, guaranteed, or insured by a state or federal governmental lending or insuring agency;2.the purchaser or borrower fails to pay two consecutive tax installments on the property prior to the delinquency datefor such payments;

3.

the original principal amount of such a loan is (i) 90 percent or more of the sale price, if the property involved issold, or (ii) 90 percent or more of the appraised value of the property securing the loan;

4.

the combined principal amount of all loans secured by the real property exceeds 80 percent of the appraised value ofthe property securing the loans;

5.

a loan is made in compliance with the requirements for higher priced mortgage loans established in Regulation Z,whether or not the loan is a higher priced mortgage loan; or

6.

a loan is refinanced or modified in connection with a lender's homeownership preservation program or a lender'sparticipation is such a program sponsored by a federal, state, or local government authority or a nonprofitorganization.

7.

If none of the above conditions apply to your loan request, the lender may not require the establishment of an impoundaccount. However, you may elect to establish an impound account. If you do so, the lender is required to pay two percentsimple interest per annum on the impound account. The interest will be credited to the impound account annually or upontermination of the account, whichever is earlier.

Cal. Civ. Code §2954(a)BORROWER'S SELECTION

Establish an impound account which will provide for monthly payments used for the payment of property taxes, hazardinsurance premiums and other applicable charges related to the Property. I/We understand that the types of charges that willbe collected are limited to the terms mutually agreed to by applicable parties to the loan and that this election does notnecessarily extend to all charges, such as supplemental taxes, for which I/We may be responsible for paying directly.

Pay all property taxes, insurance premiums and other applicable charges directly.

I/We hereby acknowledge receipt of this Impound Account Statement, and further acknowledge that I/we understand itsprovisions.



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1231.57

LOANDEPOT.COM, LLC

26642 TOWNE CENTRE DRIVE, FOOTHILL RANCH, CA 92610

BORROWER(S): ISMAEL MORENO


Loan No: 600298971

Initial Amortization Schedule

General Loan Parameters:Appraised Value: $700,000.00Original Principal Balance: $227,500.00Amortization Term: 240Interest Rate: 2.375%

Payment

NumberPayment

DatePayment

AmountInterest

PortionPrincipal

PortionInterest

PaidRemaining

BalanceResulting

LTV1 12/01/2021 $1,191.72 $450.26 $741.46 $450.26 $226,758.54 32.392 01/01/2022 $1,191.72 $448.79 $742.93 $899.05 $226,015.61 32.293 02/01/2022 $1,191.72 $447.32 $744.40 $1,346.37 $225,271.21 32.184 03/01/2022 $1,191.72 $445.85 $745.87 $1,792.22 $224,525.34 32.085 04/01/2022 $1,191.72 $444.37 $747.35 $2,236.59 $223,777.99 31.976 05/01/2022 $1,191.72 $442.89 $748.83 $2,679.48 $223,029.16 31.867 06/01/2022 $1,191.72 $441.41 $750.31 $3,120.89 $222,278.85 31.758 07/01/2022 $1,191.72 $439.93 $751.79 $3,560.82 $221,527.06 31.659 08/01/2022 $1,191.72 $438.44 $753.28 $3,999.26 $220,773.78 31.5410 09/01/2022 $1,191.72 $436.95 $754.77 $4,436.21 $220,019.01 31.4311 10/01/2022 $1,191.72 $435.45 $756.27 $4,871.66 $219,262.74 31.3212 11/01/2022 $1,191.72 $433.96 $757.76 $5,305.62 $218,504.98 31.2113 12/01/2022 $1,191.72 $432.46 $759.26 $5,738.08 $217,745.72 31.1114 01/01/2023 $1,191.72 $430.96 $760.76 $6,169.04 $216,984.96 31.0015 02/01/2023 $1,191.72 $429.45 $762.27 $6,598.49 $216,222.69 30.8916 03/01/2023 $1,191.72 $427.94 $763.78 $7,026.43 $215,458.91 30.7817 04/01/2023 $1,191.72 $426.43 $765.29 $7,452.86 $214,693.62 30.6718 05/01/2023 $1,191.72 $424.91 $766.81 $7,877.77 $213,926.81 30.5619 06/01/2023 $1,191.72 $423.40 $768.32 $8,301.17 $213,158.49 30.4520 07/01/2023 $1,191.72 $421.88 $769.84 $8,723.05 $212,388.65 30.3421 08/01/2023 $1,191.72 $420.35 $771.37 $9,143.40 $211,617.28 30.2322 09/01/2023 $1,191.72 $418.83 $772.89 $9,562.23 $210,844.39 30.1223 10/01/2023 $1,191.72 $417.30 $774.42 $9,979.53 $210,069.97 30.0124 11/01/2023 $1,191.72 $415.76 $775.96 $10,395.29 $209,294.01 29.9025 12/01/2023 $1,191.72 $414.23 $777.49 $10,809.52 $208,516.52 29.7926 01/01/2024 $1,191.72 $412.69 $779.03 $11,222.21 $207,737.49 29.6827 02/01/2024 $1,191.72 $411.15 $780.57 $11,633.36 $206,956.92 29.5728 03/01/2024 $1,191.72 $409.60 $782.12 $12,042.96 $206,174.80 29.4529 04/01/2024 $1,191.72 $408.05 $783.67 $12,451.01 $205,391.13 29.3430 05/01/2024 $1,191.72 $406.50 $785.22 $12,857.51 $204,605.91 29.2331 06/01/2024 $1,191.72 $404.95 $786.77 $13,262.46 $203,819.14 29.1232 07/01/2024 $1,191.72 $403.39 $788.33 $13,665.85 $203,030.81 29.0033 08/01/2024 $1,191.72 $401.83 $789.89 $14,067.68 $202,240.92 28.8934 09/01/2024 $1,191.72 $400.27 $791.45 $14,467.95 $201,449.47 28.7835 10/01/2024 $1,191.72 $398.70 $793.02 $14,866.65 $200,656.45 28.6736 11/01/2024 $1,191.72 $397.13 $794.59 $15,263.78 $199,861.86 28.5537 12/01/2024 $1,191.72 $395.56 $796.16 $15,659.34 $199,065.70 28.4438 01/01/2025 $1,191.72 $393.98 $797.74 $16,053.32 $198,267.96 28.3239 02/01/2025 $1,191.72 $392.41 $799.31 $16,445.73 $197,468.65 28.2140 03/01/2025 $1,191.72 $390.82 $800.90 $16,836.55 $196,667.75 28.1041 04/01/2025 $1,191.72 $389.24 $802.48 $17,225.79 $195,865.27 27.9842 05/01/2025 $1,191.72 $387.65 $804.07 $17,613.44 $195,061.20 27.8743 06/01/2025 $1,191.72 $386.06 $805.66 $17,999.50 $194,255.54 27.7544 07/01/2025 $1,191.72 $384.46 $807.26 $18,383.96 $193,448.28 27.6445 08/01/2025 $1,191.72 $382.87 $808.85 $18,766.83 $192,639.43 27.5246 09/01/2025 $1,191.72 $381.27 $810.45 $19,148.10 $191,828.98 27.4047 10/01/2025 $1,191.72 $379.66 $812.06 $19,527.76 $191,016.92 27.2948 11/01/2025 $1,191.72 $378.05 $813.67 $19,905.81 $190,203.25 27.1749 12/01/2025 $1,191.72 $376.44 $815.28 $20,282.25 $189,387.97 27.0650 01/01/2026 $1,191.72 $374.83 $816.89 $20,657.08 $188,571.08 26.9451 02/01/2026 $1,191.72 $373.21 $818.51 $21,030.29 $187,752.57 26.8252 03/01/2026 $1,191.72 $371.59 $820.13 $21,401.88 $186,932.44 26.7053 04/01/2026 $1,191.72 $369.97 $821.75 $21,771.85 $186,110.69 26.5954 05/01/2026 $1,191.72 $368.34 $823.38 $22,140.19 $185,287.31 26.47

Page 1 of 4

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12.86

600298971

Payment

NumberPayment

DatePayment

AmountInterest

PortionPrincipal

PortionInterest

PaidRemaining

BalanceResulting

LTV55 06/01/2026 $1,191.72 $366.71 $825.01 $22,506.90 $184,462.30 26.3556 07/01/2026 $1,191.72 $365.08 $826.64 $22,871.98 $183,635.66 26.2357 08/01/2026 $1,191.72 $363.45 $828.27 $23,235.43 $182,807.39 26.1258 09/01/2026 $1,191.72 $361.81 $829.91 $23,597.24 $181,977.48 26.0059 10/01/2026 $1,191.72 $360.16 $831.56 $23,957.40 $181,145.92 25.8860 11/01/2026 $1,191.72 $358.52 $833.20 $24,315.92 $180,312.72 25.7661 12/01/2026 $1,191.72 $356.87 $834.85 $24,672.79 $179,477.87 25.6462 01/01/2027 $1,191.72 $355.22 $836.50 $25,028.01 $178,641.37 25.5263 02/01/2027 $1,191.72 $353.56 $838.16 $25,381.57 $177,803.21 25.4064 03/01/2027 $1,191.72 $351.90 $839.82 $25,733.47 $176,963.39 25.2865 04/01/2027 $1,191.72 $350.24 $841.48 $26,083.71 $176,121.91 25.1666 05/01/2027 $1,191.72 $348.57 $843.15 $26,432.28 $175,278.76 25.0467 06/01/2027 $1,191.72 $346.91 $844.81 $26,779.19 $174,433.95 24.9268 07/01/2027 $1,191.72 $345.23 $846.49 $27,124.42 $173,587.46 24.8069 08/01/2027 $1,191.72 $343.56 $848.16 $27,467.98 $172,739.30 24.6870 09/01/2027 $1,191.72 $341.88 $849.84 $27,809.86 $171,889.46 24.5671 10/01/2027 $1,191.72 $340.20 $851.52 $28,150.06 $171,037.94 24.4372 11/01/2027 $1,191.72 $338.51 $853.21 $28,488.57 $170,184.73 24.3173 12/01/2027 $1,191.72 $336.82 $854.90 $28,825.39 $169,329.83 24.1974 01/01/2028 $1,191.72 $335.13 $856.59 $29,160.52 $168,473.24 24.0775 02/01/2028 $1,191.72 $333.44 $858.28 $29,493.96 $167,614.96 23.9476 03/01/2028 $1,191.72 $331.74 $859.98 $29,825.70 $166,754.98 23.8277 04/01/2028 $1,191.72 $330.04 $861.68 $30,155.74 $165,893.30 23.7078 05/01/2028 $1,191.72 $328.33 $863.39 $30,484.07 $165,029.91 23.5879 06/01/2028 $1,191.72 $326.62 $865.10 $30,810.69 $164,164.81 23.4580 07/01/2028 $1,191.72 $324.91 $866.81 $31,135.60 $163,298.00 23.3381 08/01/2028 $1,191.72 $323.19 $868.53 $31,458.79 $162,429.47 23.2082 09/01/2028 $1,191.72 $321.47 $870.25 $31,780.26 $161,559.22 23.0883 10/01/2028 $1,191.72 $319.75 $871.97 $32,100.01 $160,687.25 22.9684 11/01/2028 $1,191.72 $318.03 $873.69 $32,418.04 $159,813.56 22.8385 12/01/2028 $1,191.72 $316.30 $875.42 $32,734.34 $158,938.14 22.7186 01/01/2029 $1,191.72 $314.57 $877.15 $33,048.91 $158,060.99 22.5887 02/01/2029 $1,191.72 $312.83 $878.89 $33,361.74 $157,182.10 22.4588 03/01/2029 $1,191.72 $311.09 $880.63 $33,672.83 $156,301.47 22.3389 04/01/2029 $1,191.72 $309.35 $882.37 $33,982.18 $155,419.10 22.2090 05/01/2029 $1,191.72 $307.60 $884.12 $34,289.78 $154,534.98 22.0891 06/01/2029 $1,191.72 $305.85 $885.87 $34,595.63 $153,649.11 21.9592 07/01/2029 $1,191.72 $304.10 $887.62 $34,899.73 $152,761.49 21.8293 08/01/2029 $1,191.72 $302.34 $889.38 $35,202.07 $151,872.11 21.7094 09/01/2029 $1,191.72 $300.58 $891.14 $35,502.65 $150,980.97 21.5795 10/01/2029 $1,191.72 $298.82 $892.90 $35,801.47 $150,088.07 21.4496 11/01/2029 $1,191.72 $297.05 $894.67 $36,098.52 $149,193.40 21.3197 12/01/2029 $1,191.72 $295.28 $896.44 $36,393.80 $148,296.96 21.1998 01/01/2030 $1,191.72 $293.50 $898.22 $36,687.30 $147,398.74 21.0699 02/01/2030 $1,191.72 $291.73 $899.99 $36,979.03 $146,498.75 20.93100 03/01/2030 $1,191.72 $289.95 $901.77 $37,268.98 $145,596.98 20.80101 04/01/2030 $1,191.72 $288.16 $903.56 $37,557.14 $144,693.42 20.67102 05/01/2030 $1,191.72 $286.37 $905.35 $37,843.51 $143,788.07 20.54103 06/01/2030 $1,191.72 $284.58 $907.14 $38,128.09 $142,880.93 20.41104 07/01/2030 $1,191.72 $282.79 $908.93 $38,410.88 $141,972.00 20.28105 08/01/2030 $1,191.72 $280.99 $910.73 $38,691.87 $141,061.27 20.15106 09/01/2030 $1,191.72 $279.18 $912.54 $38,971.05 $140,148.73 20.02107 10/01/2030 $1,191.72 $277.38 $914.34 $39,248.43 $139,234.39 19.89108 11/01/2030 $1,191.72 $275.57 $916.15 $39,524.00 $138,318.24 19.76109 12/01/2030 $1,191.72 $273.75 $917.97 $39,797.75 $137,400.27 19.63110 01/01/2031 $1,191.72 $271.94 $919.78 $40,069.69 $136,480.49 19.50111 02/01/2031 $1,191.72 $270.12 $921.60 $40,339.81 $135,558.89 19.37112 03/01/2031 $1,191.72 $268.29 $923.43 $40,608.10 $134,635.46 19.23113 04/01/2031 $1,191.72 $266.47 $925.25 $40,874.57 $133,710.21 19.10114 05/01/2031 $1,191.72 $264.63 $927.09 $41,139.20 $132,783.12 18.97115 06/01/2031 $1,191.72 $262.80 $928.92 $41,402.00 $131,854.20 18.84116 07/01/2031 $1,191.72 $260.96 $930.76 $41,662.96 $130,923.44 18.70117 08/01/2031 $1,191.72 $259.12 $932.60 $41,922.08 $129,990.84 18.57118 09/01/2031 $1,191.72 $257.27 $934.45 $42,179.35 $129,056.39 18.44119 10/01/2031 $1,191.72 $255.42 $936.30 $42,434.77 $128,120.09 18.30120 11/01/2031 $1,191.72 $253.57 $938.15 $42,688.34 $127,181.94 18.17121 12/01/2031 $1,191.72 $251.71 $940.01 $42,940.05 $126,241.93 18.03122 01/01/2032 $1,191.72 $249.85 $941.87 $43,189.90 $125,300.06 17.90

Page 2 of 4

12|2|4|600298971

12.86

600298971

Payment

NumberPayment

DatePayment

AmountInterest

PortionPrincipal

PortionInterest

PaidRemaining

BalanceResulting

LTV123 02/01/2032 $1,191.72 $247.99 $943.73 $43,437.89 $124,356.33 17.77124 03/01/2032 $1,191.72 $246.12 $945.60 $43,684.01 $123,410.73 17.63125 04/01/2032 $1,191.72 $244.25 $947.47 $43,928.26 $122,463.26 17.49126 05/01/2032 $1,191.72 $242.38 $949.34 $44,170.64 $121,513.92 17.36127 06/01/2032 $1,191.72 $240.50 $951.22 $44,411.14 $120,562.70 17.22128 07/01/2032 $1,191.72 $238.61 $953.11 $44,649.75 $119,609.59 17.09129 08/01/2032 $1,191.72 $236.73 $954.99 $44,886.48 $118,654.60 16.95130 09/01/2032 $1,191.72 $234.84 $956.88 $45,121.32 $117,697.72 16.81131 10/01/2032 $1,191.72 $232.94 $958.78 $45,354.26 $116,738.94 16.68132 11/01/2032 $1,191.72 $231.05 $960.67 $45,585.31 $115,778.27 16.54133 12/01/2032 $1,191.72 $229.14 $962.58 $45,814.45 $114,815.69 16.40134 01/01/2033 $1,191.72 $227.24 $964.48 $46,041.69 $113,851.21 16.26135 02/01/2033 $1,191.72 $225.33 $966.39 $46,267.02 $112,884.82 16.13136 03/01/2033 $1,191.72 $223.42 $968.30 $46,490.44 $111,916.52 15.99137 04/01/2033 $1,191.72 $221.50 $970.22 $46,711.94 $110,946.30 15.85138 05/01/2033 $1,191.72 $219.58 $972.14 $46,931.52 $109,974.16 15.71139 06/01/2033 $1,191.72 $217.66 $974.06 $47,149.18 $109,000.10 15.57140 07/01/2033 $1,191.72 $215.73 $975.99 $47,364.91 $108,024.11 15.43141 08/01/2033 $1,191.72 $213.80 $977.92 $47,578.71 $107,046.19 15.29142 09/01/2033 $1,191.72 $211.86 $979.86 $47,790.57 $106,066.33 15.15143 10/01/2033 $1,191.72 $209.92 $981.80 $48,000.49 $105,084.53 15.01144 11/01/2033 $1,191.72 $207.98 $983.74 $48,208.47 $104,100.79 14.87145 12/01/2033 $1,191.72 $206.03 $985.69 $48,414.50 $103,115.10 14.73146 01/01/2034 $1,191.72 $204.08 $987.64 $48,618.58 $102,127.46 14.59147 02/01/2034 $1,191.72 $202.13 $989.59 $48,820.71 $101,137.87 14.45148 03/01/2034 $1,191.72 $200.17 $991.55 $49,020.88 $100,146.32 14.31149 04/01/2034 $1,191.72 $198.21 $993.51 $49,219.09 $99,152.81 14.16150 05/01/2034 $1,191.72 $196.24 $995.48 $49,415.33 $98,157.33 14.02151 06/01/2034 $1,191.72 $194.27 $997.45 $49,609.60 $97,159.88 13.88152 07/01/2034 $1,191.72 $192.30 $999.42 $49,801.90 $96,160.46 13.74153 08/01/2034 $1,191.72 $190.32 $1,001.40 $49,992.22 $95,159.06 13.59154 09/01/2034 $1,191.72 $188.34 $1,003.38 $50,180.56 $94,155.68 13.45155 10/01/2034 $1,191.72 $186.35 $1,005.37 $50,366.91 $93,150.31 13.31156 11/01/2034 $1,191.72 $184.36 $1,007.36 $50,551.27 $92,142.95 13.16157 12/01/2034 $1,191.72 $182.37 $1,009.35 $50,733.64 $91,133.60 13.02158 01/01/2035 $1,191.72 $180.37 $1,011.35 $50,914.01 $90,122.25 12.87159 02/01/2035 $1,191.72 $178.37 $1,013.35 $51,092.38 $89,108.90 12.73160 03/01/2035 $1,191.72 $176.36 $1,015.36 $51,268.74 $88,093.54 12.58161 04/01/2035 $1,191.72 $174.35 $1,017.37 $51,443.09 $87,076.17 12.44162 05/01/2035 $1,191.72 $172.34 $1,019.38 $51,615.43 $86,056.79 12.29163 06/01/2035 $1,191.72 $170.32 $1,021.40 $51,785.75 $85,035.39 12.15164 07/01/2035 $1,191.72 $168.30 $1,023.42 $51,954.05 $84,011.97 12.00165 08/01/2035 $1,191.72 $166.27 $1,025.45 $52,120.32 $82,986.52 11.86166 09/01/2035 $1,191.72 $164.24 $1,027.48 $52,284.56 $81,959.04 11.71167 10/01/2035 $1,191.72 $162.21 $1,029.51 $52,446.77 $80,929.53 11.56168 11/01/2035 $1,191.72 $160.17 $1,031.55 $52,606.94 $79,897.98 11.41169 12/01/2035 $1,191.72 $158.13 $1,033.59 $52,765.07 $78,864.39 11.27170 01/01/2036 $1,191.72 $156.09 $1,035.63 $52,921.16 $77,828.76 11.12171 02/01/2036 $1,191.72 $154.04 $1,037.68 $53,075.20 $76,791.08 10.97172 03/01/2036 $1,191.72 $151.98 $1,039.74 $53,227.18 $75,751.34 10.82173 04/01/2036 $1,191.72 $149.92 $1,041.80 $53,377.10 $74,709.54 10.67174 05/01/2036 $1,191.72 $147.86 $1,043.86 $53,524.96 $73,665.68 10.52175 06/01/2036 $1,191.72 $145.80 $1,045.92 $53,670.76 $72,619.76 10.37176 07/01/2036 $1,191.72 $143.73 $1,047.99 $53,814.49 $71,571.77 10.22177 08/01/2036 $1,191.72 $141.65 $1,050.07 $53,956.14 $70,521.70 10.07178 09/01/2036 $1,191.72 $139.57 $1,052.15 $54,095.71 $69,469.55 09.92179 10/01/2036 $1,191.72 $137.49 $1,054.23 $54,233.20 $68,415.32 09.77180 11/01/2036 $1,191.72 $135.41 $1,056.31 $54,368.61 $67,359.01 09.62181 12/01/2036 $1,191.72 $133.31 $1,058.41 $54,501.92 $66,300.60 09.47182 01/01/2037 $1,191.72 $131.22 $1,060.50 $54,633.14 $65,240.10 09.32183 02/01/2037 $1,191.72 $129.12 $1,062.60 $54,762.26 $64,177.50 09.17184 03/01/2037 $1,191.72 $127.02 $1,064.70 $54,889.28 $63,112.80 09.02185 04/01/2037 $1,191.72 $124.91 $1,066.81 $55,014.19 $62,045.99 08.86186 05/01/2037 $1,191.72 $122.80 $1,068.92 $55,136.99 $60,977.07 08.71187 06/01/2037 $1,191.72 $120.68 $1,071.04 $55,257.67 $59,906.03 08.56188 07/01/2037 $1,191.72 $118.56 $1,073.16 $55,376.23 $58,832.87 08.40189 08/01/2037 $1,191.72 $116.44 $1,075.28 $55,492.67 $57,757.59 08.25190 09/01/2037 $1,191.72 $114.31 $1,077.41 $55,606.98 $56,680.18 08.10

Page 3 of 4

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12.86

600298971

Payment

NumberPayment

DatePayment

AmountInterest

PortionPrincipal

PortionInterest

PaidRemaining

BalanceResulting

LTV191 10/01/2037 $1,191.72 $112.18 $1,079.54 $55,719.16 $55,600.64 07.94192 11/01/2037 $1,191.72 $110.04 $1,081.68 $55,829.20 $54,518.96 07.79193 12/01/2037 $1,191.72 $107.90 $1,083.82 $55,937.10 $53,435.14 07.63194 01/01/2038 $1,191.72 $105.76 $1,085.96 $56,042.86 $52,349.18 07.48195 02/01/2038 $1,191.72 $103.61 $1,088.11 $56,146.47 $51,261.07 07.32196 03/01/2038 $1,191.72 $101.45 $1,090.27 $56,247.92 $50,170.80 07.17197 04/01/2038 $1,191.72 $99.30 $1,092.42 $56,347.22 $49,078.38 07.01198 05/01/2038 $1,191.72 $97.13 $1,094.59 $56,444.35 $47,983.79 06.85199 06/01/2038 $1,191.72 $94.97 $1,096.75 $56,539.32 $46,887.04 06.70200 07/01/2038 $1,191.72 $92.80 $1,098.92 $56,632.12 $45,788.12 06.54201 08/01/2038 $1,191.72 $90.62 $1,101.10 $56,722.74 $44,687.02 06.38202 09/01/2038 $1,191.72 $88.44 $1,103.28 $56,811.18 $43,583.74 06.23203 10/01/2038 $1,191.72 $86.26 $1,105.46 $56,897.44 $42,478.28 06.07204 11/01/2038 $1,191.72 $84.07 $1,107.65 $56,981.51 $41,370.63 05.91205 12/01/2038 $1,191.72 $81.88 $1,109.84 $57,063.39 $40,260.79 05.75206 01/01/2039 $1,191.72 $79.68 $1,112.04 $57,143.07 $39,148.75 05.59207 02/01/2039 $1,191.72 $77.48 $1,114.24 $57,220.55 $38,034.51 05.43208 03/01/2039 $1,191.72 $75.28 $1,116.44 $57,295.83 $36,918.07 05.27209 04/01/2039 $1,191.72 $73.07 $1,118.65 $57,368.90 $35,799.42 05.11210 05/01/2039 $1,191.72 $70.85 $1,120.87 $57,439.75 $34,678.55 04.95211 06/01/2039 $1,191.72 $68.63 $1,123.09 $57,508.38 $33,555.46 04.79212 07/01/2039 $1,191.72 $66.41 $1,125.31 $57,574.79 $32,430.15 04.63213 08/01/2039 $1,191.72 $64.18 $1,127.54 $57,638.97 $31,302.61 04.47214 09/01/2039 $1,191.72 $61.95 $1,129.77 $57,700.92 $30,172.84 04.31215 10/01/2039 $1,191.72 $59.72 $1,132.00 $57,760.64 $29,040.84 04.15216 11/01/2039 $1,191.72 $57.48 $1,134.24 $57,818.12 $27,906.60 03.99217 12/01/2039 $1,191.72 $55.23 $1,136.49 $57,873.35 $26,770.11 03.82218 01/01/2040 $1,191.72 $52.98 $1,138.74 $57,926.33 $25,631.37 03.66219 02/01/2040 $1,191.72 $50.73 $1,140.99 $57,977.06 $24,490.38 03.50220 03/01/2040 $1,191.72 $48.47 $1,143.25 $58,025.53 $23,347.13 03.34221 04/01/2040 $1,191.72 $46.21 $1,145.51 $58,071.74 $22,201.62 03.17222 05/01/2040 $1,191.72 $43.94 $1,147.78 $58,115.68 $21,053.84 03.01223 06/01/2040 $1,191.72 $41.67 $1,150.05 $58,157.35 $19,903.79 02.84224 07/01/2040 $1,191.72 $39.39 $1,152.33 $58,196.74 $18,751.46 02.68225 08/01/2040 $1,191.72 $37.11 $1,154.61 $58,233.85 $17,596.85 02.51226 09/01/2040 $1,191.72 $34.83 $1,156.89 $58,268.68 $16,439.96 02.35227 10/01/2040 $1,191.72 $32.54 $1,159.18 $58,301.22 $15,280.78 02.18228 11/01/2040 $1,191.72 $30.24 $1,161.48 $58,331.46 $14,119.30 02.02229 12/01/2040 $1,191.72 $27.94 $1,163.78 $58,359.40 $12,955.52 01.85230 01/01/2041 $1,191.72 $25.64 $1,166.08 $58,385.04 $11,789.44 01.68231 02/01/2041 $1,191.72 $23.33 $1,168.39 $58,408.37 $10,621.05 01.52232 03/01/2041 $1,191.72 $21.02 $1,170.70 $58,429.39 $9,450.35 01.35233 04/01/2041 $1,191.72 $18.70 $1,173.02 $58,448.09 $8,277.33 01.18234 05/01/2041 $1,191.72 $16.38 $1,175.34 $58,464.47 $7,101.99 01.01235 06/01/2041 $1,191.72 $14.06 $1,177.66 $58,478.53 $5,924.33 00.85236 07/01/2041 $1,191.72 $11.73 $1,179.99 $58,490.26 $4,744.34 00.68237 08/01/2041 $1,191.72 $9.39 $1,182.33 $58,499.65 $3,562.01 00.51238 09/01/2041 $1,191.72 $7.05 $1,184.67 $58,506.70 $2,377.34 00.34239 10/01/2041 $1,191.72 $4.71 $1,187.01 $58,511.41 $1,190.33 00.17240 11/01/2041 $1,192.69 $2.36 $1,190.33 $58,513.77 $0.00 00.00

THIS AMORTIZATION SCHEDULE IS BASED ON THE TERMS SET FORTH ABOVE AND ASSUMES THAT PAYMENTSARE MADE AS SCHEDULED AND THAT NO PREPAYMENTS OCCUR PRIOR TO THE MATURITY DATE OF THE LOAN.IT IS PROVIDED AS AN EXAMPLE ONLY IF IT IS FOR AN ADJUSTABLE RATE MORTGAGE LOAN, IT ASSUMESHYPOTHETICAL INTEREST RATE AND PAYMENT CHANGES THAT MAY DIFFER FROM ACTUAL CHANGES.



Page 4 of 4

12|4|4|600298971

12.86

LOANDEPOT.COM, LLC26642 TOWNE CENTRE DRIVE, FOOTHILL RANCH, CA 92610

QUALITY CONTROL RELEASE

MORENOLoan #: 600298971MIN: 100853706002989711

We, the undersigned applicants, understand that our mortgage application may be selected by the Lender and/orits Assigns or Agent for a Quality Control Review. This review is designed to produce and maintain qualityservice for our borrowers and to comply with agency and investor guidelines. The quality control review willinvolve verification of all of the credit information (including employment history, income, bank accounts, andcredit references) as well as the property valuation.

We agree to cooperate with the Lender and/or its Agent to the extent necessary to accomplish this review. It isunderstood that the information may be verified with third parties such as our employers, depository institutionsor a credit reporting agency.

We therefore have signed below authorizing the release of employment and/or financial information to assist inthe Quality Control Review process.



Page 1 of 1

1769|1|1|600298971

1769.7

Form W-9

(Rev. October 2018)

Department of the Treasury


Request for Taxpayer

Identification Number and CertificationGo to www.irs.gov/FormW9 for instructions and the latest information.

Give Form to the

requester. Do not

send to the IRS.1 Name (as shown on your income tax return). Name is required on this line; do not leave this line blank.

ISMAEL MORENO 2 Business name/disregarded entity name, if different from above

3 Check appropriate box for federal tax classification of the person whose name is entered on line 1. Check only one of

the following seven boxes.Individual/sole proprietor or

single-member LLCC Corporation S Corporation Partnership Trust/estate

Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=Partnership) Note: Check the appropriate box in the line above for the tax classification of the single-member owner. Do not check LLC if

the LLC is classified as a single-member LLC that is disregarded from the owner unless the owner of the LLC is another LLCthat is not disregarded from the owner for U.S. federal tax purposes. Otherwise, a single-member LLC that is disregardedfrom the owner should check the appropriate box for the tax classification of its owner.Other (see instructions)

4 Exemptions (codes apply only tocertain entities, not individuals; seeinstructions on page 3):

Exempt payee code (if any)

Exemption from FATCA reportingcode (if any)

(Applies to accounts maintained outside the U.S.)

5 Address (number, street, and apt. or suite no.) See instructions.

5296 CREEK EST6 City, state, and ZIP code


Requester's name and address (optional)

LOANDEPOT.COM, LLC


FOOTHILL RANCH, CA 926107 List account number(s) here (optional)

600298971

Part I Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. The TIN provided must match the name given on line 1 to avoidbackup withholding. For individuals, this is generally your social security number (SSN). However, for aresident alien, sole proprietor, or disregarded entity, see the instructions for Part I, later. For other entities, itis your employer identification number (EIN). If you do not have a number, see How to get a TIN, later.Note: If the account is in more than one name, see the instructions for line 1. Also see What Name andNumber To Give the Requester for guidelines on whose number to enter.

Social security number

455-80-6742orEmployer identification number

__-________Part II Certification

Under penalties of perjury, I certify that:1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service

(IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longersubject to backup withholding; and

3. I am a U.S. citizen or other U.S. person (defined below); and4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you havefailed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment ofsecured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are notrequired to sign the certification, but you must provide your correct TIN. See the instructions for Part II, later.

Sign

HereSignature ofU.S. person

Date OCTOBER 18, 2021

General InstructionsSection references are to the Internal Revenue Code unless otherwisenoted.Future developments. For the latest information about developmentsrelated to Form W-9 and its instructions, such as legislation enacted afterthey were published, go to www.irs.gov/FormW9.

Purpose of FormAn individual or entity (Form W-9 requester) who is required to file aninformation return with the IRS must obtain your correct taxpayeridentification number (TIN) which may be your social security number (SSN),individual taxpayer identification number (ITIN), adoption taxpayeridentification number (ATIN), or employer identification number (EIN), toreport on an information return the amount paid to you, or other amountreportable on an information return. Examples of information returns include,but are not limited to, the following.• Form 1099-INT (interest earned or paid)

• Form 1099-DIV (dividends, including those from stocks or mutual funds)• Form 1099-MISC (various types of income, prizes, awards, or grossproceeds)• Form 1099-B (stock or mutual fund sales and certain other transactions bybrokers)• Form 1099-S (proceeds from real estate transactions)• Form 1099-K (merchant card and third party network transactions)• Form 1098 (home mortgage interest), 1098-E (student loan interest),

1098-T (tuition)• Form 1099-C (canceled debt)• Form 1099-A (acquisition or abandonment of secured property) Use Form W-9 only if you are a U.S. person (including a resident alien), toprovide your correct TIN. If you do not return Form W-9 to the requester with a TIN, you might besubject to backup withholding. See What is backup withholding, later.

22|1|6|600298971

22.224 Cat. No. 10231X Form W-9 (Rev. 10-2018)

www.irs.gov/FormW9

www.irs.gov/FormW9

2Form W-9 (Rev. 10-2018) Page

By signing the filled-out form, you: 1. Certify that the TIN you are giving is correct (or you are waiting for anumber to be issued),

2. Certify that you are not subject to backup withholding, or

3. Claim exemption from backup withholding if you are a U.S. exemptpayee. If applicable, you are also certifying that as a U.S. person, yourallocable share of any partnership income from a U.S. trade or business isnot subject to the withholding tax on foreign partners' share of effectivelyconnected income, and

4. Certify that FATCA code(s) entered on this form (if any) indicating thatyou are exempt from the FATCA reporting, is correct. See What is FATCAreporting, later, for further information.Note: If you are a U.S. person and a requester gives you a form other thanForm W-9 to request your TIN, you must use the requester's form if it issubstantially similar to this Form W-9.Definition of a U.S. person. For federal tax purposes, you are considered aU.S. person if you are:

• An individual who is a U.S. citizen or U.S. resident alien;

• A partnership, corporation, company, or association created or organized inthe United States or under the laws of the United States;

• An estate (other than a foreign estate); or

• A domestic trust (as defined in Regulations section 301.7701-7).Special rules for partnerships. Partnerships that conduct a trade orbusiness in the United States are generally required to pay a withholding taxunder section 1446 on any foreign partners' share of effectively connectedtaxable income from such business. Further, in certain cases where a FormW-9 has not been received, the rules under section 1446 require apartnership to presume that a partner is a foreign person, and pay thesection 1446 withholding tax. Therefore, if you are a U.S. person that is apartner in a partnership conducting a trade or business in the United States,provide Form W-9 to the partnership to establish your U.S. status and avoidsection 1446 withholding on your share of partnership income.

In the cases below, the following person must give Form W-9 to thepartnership for purposes of establishing its U.S. status and avoidingwithholding on its allocable share of net income from the partnershipconducting a trade or business in the United States.• In the case of a disregarded entity with a U.S. owner, the U.S. owner of thedisregarded entity and not the entity;

• In the case of a grantor trust with a U.S. grantor or other U.S. owner,generally, the U.S. grantor or other U.S. owner of the grantor trust and notthe trust; and

• In the case of a U.S. trust (other than a grantor trust), the U.S. trust (otherthan a grantor trust) and not the beneficiaries of the trust.Foreign person. If you are a foreign person or the U.S. branch of a foreignbank that has elected to be treated as a U.S. person, do not use Form W-9.Instead, use the appropriate Form W-8 or Form 8233 (see Pub. 515,Withholding of Tax on Nonresident Aliens and Foreign Entities).Nonresident alien who becomes a resident alien. Generally, only anonresident alien individual may use the terms of a tax treaty to reduce oreliminate U.S. tax on certain types of income. However, most tax treatiescontain a provision known as a "saving clause." Exceptions specified in thesaving clause may permit an exemption from tax to continue for certain typesof income even after the payee has otherwise become a U.S. resident alienfor tax purposes.

If you are a U.S. resident alien who is relying on an exception contained inthe saving clause of a tax treaty to claim an exemption from U.S. tax oncertain types of income, you must attach a statement to Form W-9 thatspecifies the following five items. 1. The treaty country. Generally, this must be the same treaty under whichyou claimed exemption from tax as a nonresident alien.

2. The treaty article addressing the income.

3. The article number (or location) in the tax treaty that contains the savingclause and its exceptions.

4. The type and amount of income that qualifies for the exemption from tax.

5. Sufficient facts to justify the exemption from tax under the terms of thetreaty article.

Example. Article 20 of the U.S.-China income tax treaty allows anexemption from tax for scholarship income received by a Chinese studenttemporarily present in the United States. Under U.S. law, this student willbecome a resident alien for tax purposes if his or her stay in the UnitedStates exceeds 5 calendar years. However, paragraph 2 of the first Protocolto the U.S.-China treaty (dated April 30, 1984) allows the provisions of Article20 to continue to apply even after the Chinese student becomes a residentalien of the United States. A Chinese student who qualifies for this exception(under paragraph 2 of the first protocol) and is relying on this exception toclaim an exemption from tax on his or her scholarship or fellowship incomewould attach to Form W-9 a statement that includes the informationdescribed above to support that exemption.

If you are a nonresident alien or a foreign entity, give the requester theappropriate completed Form W-8 or Form 8233.

Backup WithholdingWhat is backup withholding? Persons making certain payments to youmust under certain conditions withhold and pay to the IRS 24% of suchpayments. This is called "backup withholding." Payments that may be subjectto backup withholding include interest, tax-exempt interest, dividends, brokerand barter exchange transactions, rents, royalties, nonemployee pay,payments made in settlement of payment card and third party networktransactions, and certain payments from fishing boat operators. Real estatetransactions are not subject to backup withholding.

You will not be subject to backup withholding on payments you receive ifyou give the requester your correct TIN, make the proper certifications, andreport all your taxable interest and dividends on your tax return.Payments you receive will be subject to backup withholding if: 1. You do not furnish your TIN to the requester,

2. You do not certify your TIN when required (see the instructions for Part IIfor details),

3. The IRS tells the requester that you furnished an incorrect TIN,

4. The IRS tells you that you are subject to backup withholding because youdid not report all your interest and dividends on your tax return (for reportableinterest and dividends only), or

5. You do not certify to the requester that you are not subject to backupwithholding under 4 above (for reportable interest and dividend accountsopened after 1983 only).

Certain payees and payments are exempt from backup withholding. SeeExempt payee code, later, and the separate Instructions for the Requester ofForm W-9 for more information.

Also see Special rules for partnerships, earlier.

What is FATCA Reporting?The Foreign Account Tax Compliance Act (FATCA) requires a participatingforeign financial institution to report all United States account holders that arespecified United States persons. Certain payees are exempt from FATCAreporting. See Exemption from FATCA reporting code, later, and theInstructions for the Requester of Form W-9 for more information.

Updating Your InformationYou must provide updated information to any person to whom you claimed tobe an exempt payee if you are no longer an exempt payee and anticipatereceiving reportable payments in the future from this person. For example,you may need to provide updated information if you are a C corporation thatelects to be an S corporation, or if you no longer are tax exempt. In addition,you must furnish a new Form W-9 if the name or TIN changes for theaccount; for example, if the grantor of a grantor trust dies.

PenaltiesFailure to furnish TIN. If you fail to furnish your correct TIN to a requester,you are subject to a penalty of $50 for each such failure unless your failure isdue to reasonable cause and not to willful neglect.Civil penalty for false information with respect to withholding. If youmake a false statement with no reasonable basis that results in no backupwithholding, you are subject to a $500 penalty.

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Criminal penalty for falsifying information. Willfully falsifying certificationsor affirmations may subject you to criminal penalties including fines and/orimprisonment.Misuse of TINs. If the requester discloses or uses TINs in violation of federallaw, the requester may be subject to civil and criminal penalties.

Specific InstructionsLine 1You must enter one of the following on this line; do not leave this line blank.The name should match the name on your tax return.

If this Form W-9 is for a joint account (other than an account maintained bya foreign financial institution (FFI)), list first, and then circle, the name of theperson or entity whose number you entered in Part I of Form W-9. If you areproviding Form W-9 to an FFI to document a joint account, each holder of theaccount that is a U.S. person must provide a Form W-9.

a. Individual. Generally, enter the name shown on your tax return. If youhave changed your last name without informing the Social SecurityAdministration (SSA) of the name change, enter your first name, the lastname as shown on your social security card, and your new last name.Note: ITIN applicant: Enter your individual name as it was entered on yourForm W-7 application, line 1a. This should also be the same as the nameyou entered on the Form 1040/1040A/1040EZ you filed with your application.

b. Sole proprietor or single-member LLC. Enter your individual name asshown on your 1040/1040A/1040EZ on line 1. You may enter your business,trade, or "doing business as" (DBA) name on line 2.

c. Partnership, LLC that is not a single-member LLC, C corporation,or S corporation. Enter the entity's name as shown on the entity's tax returnon line 1 and any business, trade, or DBA name on line 2.

d. Other entities. Enter your name as shown on required U.S. federal taxdocuments on line 1. This name should match the name shown on thecharter or other legal document creating the entity. You may enter anybusiness, trade, or DBA name on line 2.

e. Disregarded entity. For U.S. federal tax purposes, an entity that isdisregarded as an entity separate from its owner is treated as a "disregardedentity." See Regulations section 301.7701-2(c)(2)(iii). Enter the owner'sname on line 1. The name of the entity entered on line 1 should never be adisregarded entity. The name on line 1 should be the name shown on theincome tax return on which the income should be reported. For example, if aforeign LLC that is treated as a disregarded entity for U.S. federal taxpurposes has a single owner that is a U.S. person, the U.S. owner's name isrequired to be provided on line 1. If the direct owner of the entity is also adisregarded entity, enter the first owner that is not disregarded for federal taxpurposes. Enter the disregarded entity's name on line 2, "Businessname/disregarded entity name." If the owner of the disregarded entity is aforeign person, the owner must complete an appropriate Form W-8 insteadof a Form W-9. This is the case even if the foreign person has a U.S. TIN.

Line 2If you have a business name, trade name, DBA name, or disregarded entityname, you may enter it on line 2.

Line 3Check the appropriate box on line 3 for the U.S. federal tax classification ofthe person whose name is entered on line 1. Check only one box on line 3.

IF the entity/person on line 1 isa(n)...

THEN check the box for...

• Corporation Corporation• Individual

• Sole proprietorship, or

• Single-member limited liabilitycompany (LLC) owned by anindividual and disregarded for U.S.federal tax purposes.

Individual/sole proprietor or single-member LLC

• LLC treated as a partnership forU.S. federal tax purposes,

• LLC that has filed Form 8832 or2553 to be taxed as a corporation,or

• LLC that is disregarded as anentity separate from its owner butthe owner is another LLC that is notdisregarded for U.S. federal taxpurposes.

Limited liability company and enterthe appropriate tax classification.(P= Partnership; C= C corporation;or S= S corporation)

• Partnership Partnership• Trust/estate Trust/estate

Line 4, ExemptionsIf you are exempt from backup withholding and/or FATCA reporting, enter inthe appropriate space on line 4 any code(s) that may apply to you.Exempt payee code.• Generally, individuals (including sole proprietors) are not exempt frombackup withholding.• Except as provided below, corporations are exempt from backupwithholding for certain payments, including interest and dividends.• Corporations are not exempt from backup withholding for payments madein settlement of payment card or third party network transactions.• Corporations are not exempt from backup withholding with respect toattorneys' fees or gross proceeds paid to attorneys, and corporations thatprovide medical or health care services are not exempt with respect topayments reportable on Form 1099-MISC.

The following codes identify payees that are exempt from backupwithholding. Enter the appropriate code in the space in line 4.

1-An organization exempt from tax under section 501(a), any IRA, or acustodial account under section 403(b)(7) if the account satisfies therequirements of section 401(f)(2)

2-The United States or any of its agencies or instrumentalities3-A state, the District of Columbia, a U.S. commonwealth or possession, or

any of their political subdivisions or instrumentalities4-A foreign government or any of its political subdivisions, agencies, or

instrumentalities5-A corporation6-A dealer in securities or commodities required to register in the United

States, the District of Columbia, or a U.S. commonwealth or possession7-A futures commission merchant registered with the Commodity Futures

Trading Commission8-A real estate investment trust9-An entity registered at all times during the tax year under the Investment

Company Act of 194010-A common trust fund operated by a bank under section 584(a)11-A financial institution12-A middleman known in the investment community as a nominee or

custodian13-A trust exempt from tax under section 664 or described in section 4947

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The following chart shows types of payments that may be exempt frombackup withholding. The chart applies to the exempt payees listed above, 1through 13.IF the payment is for... THEN the payment is exempt for...Interest and dividend payments All exempt payees except for 7Broker transactions Exempt payees 1 through 4 and 6

through 11 and all C corporations. Scorporations must not enter anexempt payee code because theyare exempt only for sales ofnoncovered securities acquired priorto 2012.

Barter exchange transactions andpatronage dividends

Exempt payees 1 through 4

Payments over $600 required to bereported and direct sales over$5,0001

Generally, exempt payees

1 through 52

Payments made in settlement ofpayment card or third party networktransactions


1 See Form 1099-MISC, Miscellaneous Income, and its instructions.2 However, the following payments made to a corporation and reportable onForm 1099-MISC are not exempt from backup withholding: medical andhealth care payments, attorneys' fees, gross proceeds paid to an attorneyreportable under section 6045(f), and payments for services paid by a federalexecutive agency.Exemption from FATCA reporting code. The following codes identifypayees that are exempt from reporting under FATCA. These codes apply topersons submitting this form for accounts maintained outside of the UnitedStates by certain foreign financial institutions. Therefore, if you are onlysubmitting this form for an account you hold in the United States, you mayleave this field blank. Consult with the person requesting this form if you areuncertain if the financial institution is subject to these requirements. Arequester may indicate that a code is not required by providing you with aForm W-9 with "Not Applicable" (or any similar indication) written or printedon the line for a FATCA exemption code.

A-An organization exempt from tax under section 501(a) or any individualretirement plan as defined in section 7701(a)(37)

B-The United States or any of its agencies or instrumentalitiesC-A state, the District of Columbia, a U.S. commonwealth or possession,

or any of their political subdivisions or instrumentalitiesD-A corporation the stock of which is regularly traded on one or more

established securities markets, as described in Regulations section 1.1472-1(c)(1)(i)

E-A corporation that is a member of the same expanded affiliated group asa corporation described in Regulations section 1.1472-1(c)(1)(i)

F-A dealer in securities, commodities, or derivative financial instruments(including notional principal contracts, futures, forwards, and options) that isregistered as such under the laws of the United States or any state

G-A real estate investment trustH-A regulated investment company as defined in section 851 or an entity

registered at all times during the tax year under the Investment Company Actof 1940

I-A common trust fund as defined in section 584(a)J-A bank as defined in section 581K-A brokerL-A trust exempt from tax under section 664 or described in section

4947(a)(1)

M-A tax exempt trust under a section 403(b) plan or section 457(g) planNote: You may wish to consult with the financial institution requesting thisform to determine whether the FATCA code and/or exempt payee codeshould be completed.

Line 5Enter your address (number, street, and apartment or suite number). This iswhere the requester of this Form W-9 will mail your information returns. If thisaddress differs from the one the requester already has on file, write NEW atthe top. If a new address is provided, there is still a chance the old addresswill be used until the payor changes your address in their records.

Line 6Enter your city, state, and ZIP code.

Part I. Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. If you are a resident alien and youdo not have and are not eligible to get an SSN, your TIN is your IRSindividual taxpayer identification number (ITIN). Enter it in the social securitynumber box. If you do not have an ITIN, see How to get a TIN below.

If you are a sole proprietor and you have an EIN, you may enter either yourSSN or EIN.

If you are a single-member LLC that is disregarded as an entity separatefrom its owner, enter the owner's SSN (or EIN, if the owner has one). Do notenter the disregarded entity's EIN. If the LLC is classified as a corporation orpartnership, enter the entity's EIN.Note: See What Name and Number To Give the Requester, later, for furtherclarification of name and TIN combinations.How to get a TIN. If you do not have a TIN, apply for one immediately. Toapply for an SSN, get Form SS-5, Application for a Social Security Card,from your local SSA office or get this form online at www.SSA.gov. You mayalso get this form by calling 1-800-772-1213. Use Form W-7, Application forIRS Individual Taxpayer Identification Number, to apply for an ITIN, or FormSS-4, Application for Employer Identification Number, to apply for an EIN.You can apply for an EIN online by accessing the IRS website atwww.irs.gov/Businesses and clicking on Employer Identification Number(EIN) under Starting a Business. Go to www.irs.gov/Forms to view,download, or print Form W-7 and/or Form SS-4. Or, you can go towww.irs.gov/OrderForms to place an order and have Form W-7 and/or SS-4mailed to you within 10 business days.

If you are asked to complete Form W-9 but do not have a TIN, apply for aTIN and write "Applied For" in the space for the TIN, sign and date the form,and give it to the requester. For interest and dividend payments, and certainpayments made with respect to readily tradable instruments, generally youwill have 60 days to get a TIN and give it to the requester before you aresubject to backup withholding on payments. The 60-day rule does not applyto other types of payments. You will be subject to backup withholding on allsuch payments until you provide your TIN to the requester.Note: Entering "Applied For" means that you have already applied for a TINor that you intend to apply for one soon.Caution: A disregarded U.S. entity that has a foreign owner must use theappropriate Form W-8.

Part II. CertificationTo establish to the withholding agent that you are a U.S. person, or residentalien, sign Form W-9. You may be requested to sign by the withholding agenteven if item 1, 4, or 5 below indicates otherwise.

For a joint account, only the person whose TIN is shown in Part I shouldsign (when required). In the case of a disregarded entity, the personidentified on line 1 must sign. Exempt payees, see Exempt payee code,earlier.Signature requirements. Complete the certification as indicated in items 1through 5 below.

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www.SSA.gov

www.irs.gov/Businesses

www.irs.gov/Forms

www.irs.gov/OrderForms


1. Interest, dividend, and barter exchange accounts opened before1984 and broker accounts considered active during 1983. You must giveyour correct TIN, but you do not have to sign the certification.

2. Interest, dividend, broker, and barter exchange accounts openedafter 1983 and broker accounts considered inactive during 1983. Youmust sign the certification or backup withholding will apply. If you are subjectto backup withholding and you are merely providing your correct TIN to therequester, you must cross out item 2 in the certification before signing theform.

3. Real estate transactions. You must sign the certification. You maycross out item 2 of the certification.

4. Other payments. You must give your correct TIN, but you do not haveto sign the certification unless you have been notified that you havepreviously given an incorrect TIN. "Other payments" include payments madein the course of the requester's trade or business for rents, royalties, goods(other than bills for merchandise), medical and health care services(including payments to corporations), payments to a nonemployee forservices, payments made in settlement of payment card and third partynetwork transactions, payments to certain fishing boat crew members andfishermen, and gross proceeds paid to attorneys (including payments tocorporations).

5. Mortgage interest paid by you, acquisition or abandonment ofsecured property, cancellation of debt, qualified tuition programpayments (under section 529), ABLE accounts (under section 529A),IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions,and pension distributions. You must give your correct TIN, but you do nothave to sign the certification.

What Name and Number To Give the RequesterFor this type of account: Give name and SSN of:

1. Individual The individual2. Two or more individuals (joint

account) other than an accountmaintained by an FFI

The actual owner of the account or, ifcombined funds, the first individual onthe account1

3. Two or more U.S. persons (jointaccount maintained by an FFI)

Each holder of the account

4. Custodial account of a minor(Uniform Gift to Minors Act)

The minor2

5. a. The usual revocable savingstrust (grantor is also trustee)

The grantor-trustee1

b. So-called trust account that isnot a legal or valid trust understate law

The actual owner1

6. Sole proprietorship ordisregarded entity owned by anindividual

The owner3

7. Grantor trust filing underOptional Form 1099 FilingMethod 1 (see Regulationssection 1.671-4(b)(2)(i) (A))

The grantor*

For this type of account: Give name and EIN of:8. Disregarded entity not owned by

an individualThe owner

9. A valid trust, estate, or pensiontrust

Legal entity4

10. Corporation or LLC electingcorporate status on Form 8832or Form 2553

The corporation

11. Association, club, religious,charitable, educational, or othertax-exempt organization

The organization

12. Partnership or multi-memberLLC

The partnership

13. A broker or registered nominee The broker or nominee

For this type of account: Give name and EIN of:14. Account with the Department of

Agriculture in the name of apublic entity (such as a state orlocal government, school district,or prison) that receivesagricultural program payments

The public entity

15. Grantor trust filing under theForm 1041 Filing Method or theOptional Form 1099 FilingMethod 2 (see Regulationssection 1.671-4(b)(2)(i)(B))

The trust

1 List first and circle the name of the person whose number you furnish. Ifonly one person on a joint account has an SSN, that person's number mustbe furnished.2 Circle the minor's name and furnish the minor's SSN.3 You must show your individual name and you may also enter your businessor DBA name on the "Business name/disregarded entity" name line. Youmay use either your SSN or EIN (if you have one), but the IRS encouragesyou to use your SSN.4 List first and circle the name of the trust, estate, or pension trust. (Do notfurnish the TIN of the personal representative or trustee unless the legalentity itself is not designated in the account title.) Also see Special rules forpartnerships, earlier.* Note: The grantor also must provide a Form W-9 to trustee of trust.Note: If no name is circled when more than one name is listed, the numberwill be considered to be that of the first name listed.

Secure Your Tax Records From Identity TheftIdentity theft occurs when someone uses your personal information such asyour name, SSN, or other identifying information, without your permission, tocommit fraud or other crimes. An identity thief may use your SSN to get a jobor may file a tax return using your SSN to receive a refund.

To reduce your risk:• Protect your SSN,• Ensure your employer is protecting your SSN, and• Be careful when choosing a tax preparer.

If your tax records are affected by identity theft and you receive a noticefrom the IRS, respond right away to the name and phone number printed onthe IRS notice or letter.

If your tax records are not currently affected by identity theft but you thinkyou are at risk due to a lost or stolen purse or wallet, questionable credit cardactivity or credit report, contact the IRS Identity Theft Hotline at 1-800-908-4490 or submit Form 14039.

For more information, see Pub. 5027, Identity Theft Information forTaxpayers.

Victims of identity theft who are experiencing economic harm or a systemicproblem, or are seeking help in resolving tax problems that have not beenresolved through normal channels, may be eligible for Taxpayer AdvocateService (TAS) assistance. You can reach TAS by calling the TAS toll-freecase intake line at 1-877-777-4778 or TTY/TDD 1-800-829-4059.Protect yourself from suspicious emails or phishing schemes. Phishingis the creation and use of email and websites designed to mimic legitimatebusiness emails and websites. The most common act is sending an email toa user falsely claiming to be an established legitimate enterprise in anattempt to scam the user into surrendering private information that will beused for identity theft.

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The IRS does not initiate contacts with taxpayers via emails. Also, the IRSdoes not request personal detailed information through email or asktaxpayers for the PIN numbers, passwords, or similar secret accessinformation for their credit card, bank, or other financial accounts.

If you receive an unsolicited email claiming to be from the IRS, forward thismessage to [email protected]. You may also report misuse of the IRS name,logo, or other IRS property to the Treasury Inspector General for TaxAdministration (TIGTA) at 1-800-366-4484. You can forward suspiciousemails to the Federal Trade Commission at [email protected] or report them atwww.ftc.gov/complaint. You can contact the FTC at www.ftc.gov/idtheft or877-IDTHEFT (877-438-4338). If you have been the victim of identity theft,see www.IdentityTheft.gov and Pub. 5027.

Visit www.irs.gov/IdentityTheft to learn more about identity theft and how toreduce your risk.

Privacy Act NoticeSection 6109 of the Internal Revenue Code requires you to provide yourcorrect TIN to persons (including federal agencies) who are required to fileinformation returns with the IRS to report interest, dividends, or certain otherincome paid to you; mortgage interest you paid; the acquisition orabandonment of secured property; the cancellation of debt; or contributionsyou made to an IRA, Archer MSA, or HSA. The person collecting this formuses the information on the form to file information returns with the IRS,reporting the above information. Routine uses of this information includegiving it to the Department of Justice for civil and criminal litigation and tocities, states, the District of Columbia, and U.S. commonwealths andpossessions for use in administering their laws. The information also may bedisclosed to other countries under a treaty, to federal and state agencies toenforce civil and criminal laws, or to federal law enforcement and intelligenceagencies to combat terrorism. You must provide your TIN whether or not youare required to file a tax return. Under section 3406, payers must generallywithhold a percentage of taxable interest, dividend, and certain otherpayments to a payee who does not give a TIN to the payer. Certain penaltiesmay also apply for providing false or fraudulent information.

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www.ftc.gov/complaint

www.ftc.gov/idtheft

www.IdentityTheft.gov

www.irs.gov/IdentityTheft

Form W-9

(Rev. October 2018)

Department of the Treasury


Request for Taxpayer

Identification Number and CertificationGo to www.irs.gov/FormW9 for instructions and the latest information.

Give Form to the

requester. Do not

send to the IRS.1 Name (as shown on your income tax return). Name is required on this line; do not leave this line blank.

MARIA DOLORES MORENO 2 Business name/disregarded entity name, if different from above

3 Check appropriate box for federal tax classification of the person whose name is entered on line 1. Check only one of

the following seven boxes.Individual/sole proprietor or

single-member LLCC Corporation S Corporation Partnership Trust/estate

Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=Partnership) Note: Check the appropriate box in the line above for the tax classification of the single-member owner. Do not check LLC if

the LLC is classified as a single-member LLC that is disregarded from the owner unless the owner of the LLC is another LLCthat is not disregarded from the owner for U.S. federal tax purposes. Otherwise, a single-member LLC that is disregardedfrom the owner should check the appropriate box for the tax classification of its owner.Other (see instructions)

4 Exemptions (codes apply only tocertain entities, not individuals; seeinstructions on page 3):

Exempt payee code (if any)

Exemption from FATCA reportingcode (if any)

(Applies to accounts maintained outside the U.S.)

5 Address (number, street, and apt. or suite no.) See instructions.

5296 CREEK EST6 City, state, and ZIP code

SAN JOSE, CA 95135

Requester's name and address (optional)

LOANDEPOT.COM, LLC


FOOTHILL RANCH, CA 926107 List account number(s) here (optional)

600298971

Part I Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. The TIN provided must match the name given on line 1 to avoidbackup withholding. For individuals, this is generally your social security number (SSN). However, for aresident alien, sole proprietor, or disregarded entity, see the instructions for Part I, later. For other entities, itis your employer identification number (EIN). If you do not have a number, see How to get a TIN, later.Note: If the account is in more than one name, see the instructions for line 1. Also see What Name andNumber To Give the Requester for guidelines on whose number to enter.

Social security number

572-04-3315orEmployer identification number

__-________Part II Certification

Under penalties of perjury, I certify that:1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service

(IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longersubject to backup withholding; and

3. I am a U.S. citizen or other U.S. person (defined below); and4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you havefailed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment ofsecured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are notrequired to sign the certification, but you must provide your correct TIN. See the instructions for Part II, later.

Sign

HereSignature ofU.S. person

Date OCTOBER 18, 2021

General InstructionsSection references are to the Internal Revenue Code unless otherwisenoted.Future developments. For the latest information about developmentsrelated to Form W-9 and its instructions, such as legislation enacted afterthey were published, go to www.irs.gov/FormW9.

Purpose of FormAn individual or entity (Form W-9 requester) who is required to file aninformation return with the IRS must obtain your correct taxpayeridentification number (TIN) which may be your social security number (SSN),individual taxpayer identification number (ITIN), adoption taxpayeridentification number (ATIN), or employer identification number (EIN), toreport on an information return the amount paid to you, or other amountreportable on an information return. Examples of information returns include,but are not limited to, the following.• Form 1099-INT (interest earned or paid)

• Form 1099-DIV (dividends, including those from stocks or mutual funds)• Form 1099-MISC (various types of income, prizes, awards, or grossproceeds)• Form 1099-B (stock or mutual fund sales and certain other transactions bybrokers)• Form 1099-S (proceeds from real estate transactions)• Form 1099-K (merchant card and third party network transactions)• Form 1098 (home mortgage interest), 1098-E (student loan interest),

1098-T (tuition)• Form 1099-C (canceled debt)• Form 1099-A (acquisition or abandonment of secured property) Use Form W-9 only if you are a U.S. person (including a resident alien), toprovide your correct TIN. If you do not return Form W-9 to the requester with a TIN, you might besubject to backup withholding. See What is backup withholding, later.

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22.224 Cat. No. 10231X Form W-9 (Rev. 10-2018)

www.irs.gov/FormW9

www.irs.gov/FormW9


By signing the filled-out form, you: 1. Certify that the TIN you are giving is correct (or you are waiting for anumber to be issued),

2. Certify that you are not subject to backup withholding, or

3. Claim exemption from backup withholding if you are a U.S. exemptpayee. If applicable, you are also certifying that as a U.S. person, yourallocable share of any partnership income from a U.S. trade or business isnot subject to the withholding tax on foreign partners' share of effectivelyconnected income, and

4. Certify that FATCA code(s) entered on this form (if any) indicating thatyou are exempt from the FATCA reporting, is correct. See What is FATCAreporting, later, for further information.Note: If you are a U.S. person and a requester gives you a form other thanForm W-9 to request your TIN, you must use the requester's form if it issubstantially similar to this Form W-9.Definition of a U.S. person. For federal tax purposes, you are considered aU.S. person if you are:

• An individual who is a U.S. citizen or U.S. resident alien;

• A partnership, corporation, company, or association created or organized inthe United States or under the laws of the United States;

• An estate (other than a foreign estate); or

• A domestic trust (as defined in Regulations section 301.7701-7).Special rules for partnerships. Partnerships that conduct a trade orbusiness in the United States are generally required to pay a withholding taxunder section 1446 on any foreign partners' share of effectively connectedtaxable income from such business. Further, in certain cases where a FormW-9 has not been received, the rules under section 1446 require apartnership to presume that a partner is a foreign person, and pay thesection 1446 withholding tax. Therefore, if you are a U.S. person that is apartner in a partnership conducting a trade or business in the United States,provide Form W-9 to the partnership to establish your U.S. status and avoidsection 1446 withholding on your share of partnership income.

In the cases below, the following person must give Form W-9 to thepartnership for purposes of establishing its U.S. status and avoidingwithholding on its allocable share of net income from the partnershipconducting a trade or business in the United States.• In the case of a disregarded entity with a U.S. owner, the U.S. owner of thedisregarded entity and not the entity;

• In the case of a grantor trust with a U.S. grantor or other U.S. owner,generally, the U.S. grantor or other U.S. owner of the grantor trust and notthe trust; and

• In the case of a U.S. trust (other than a grantor trust), the U.S. trust (otherthan a grantor trust) and not the beneficiaries of the trust.Foreign person. If you are a foreign person or the U.S. branch of a foreignbank that has elected to be treated as a U.S. person, do not use Form W-9.Instead, use the appropriate Form W-8 or Form 8233 (see Pub. 515,Withholding of Tax on Nonresident Aliens and Foreign Entities).Nonresident alien who becomes a resident alien. Generally, only anonresident alien individual may use the terms of a tax treaty to reduce oreliminate U.S. tax on certain types of income. However, most tax treatiescontain a provision known as a "saving clause." Exceptions specified in thesaving clause may permit an exemption from tax to continue for certain typesof income even after the payee has otherwise become a U.S. resident alienfor tax purposes.

If you are a U.S. resident alien who is relying on an exception contained inthe saving clause of a tax treaty to claim an exemption from U.S. tax oncertain types of income, you must attach a statement to Form W-9 thatspecifies the following five items. 1. The treaty country. Generally, this must be the same treaty under whichyou claimed exemption from tax as a nonresident alien.

2. The treaty article addressing the income.

3. The article number (or location) in the tax treaty that contains the savingclause and its exceptions.

4. The type and amount of income that qualifies for the exemption from tax.

5. Sufficient facts to justify the exemption from tax under the terms of thetreaty article.

Example. Article 20 of the U.S.-China income tax treaty allows anexemption from tax for scholarship income received by a Chinese studenttemporarily present in the United States. Under U.S. law, this student willbecome a resident alien for tax purposes if his or her stay in the UnitedStates exceeds 5 calendar years. However, paragraph 2 of the first Protocolto the U.S.-China treaty (dated April 30, 1984) allows the provisions of Article20 to continue to apply even after the Chinese student becomes a residentalien of the United States. A Chinese student who qualifies for this exception(under paragraph 2 of the first protocol) and is relying on this exception toclaim an exemption from tax on his or her scholarship or fellowship incomewould attach to Form W-9 a statement that includes the informationdescribed above to support that exemption.

If you are a nonresident alien or a foreign entity, give the requester theappropriate completed Form W-8 or Form 8233.

Backup WithholdingWhat is backup withholding? Persons making certain payments to youmust under certain conditions withhold and pay to the IRS 24% of suchpayments. This is called "backup withholding." Payments that may be subjectto backup withholding include interest, tax-exempt interest, dividends, brokerand barter exchange transactions, rents, royalties, nonemployee pay,payments made in settlement of payment card and third party networktransactions, and certain payments from fishing boat operators. Real estatetransactions are not subject to backup withholding.

You will not be subject to backup withholding on payments you receive ifyou give the requester your correct TIN, make the proper certifications, andreport all your taxable interest and dividends on your tax return.Payments you receive will be subject to backup withholding if: 1. You do not furnish your TIN to the requester,

2. You do not certify your TIN when required (see the instructions for Part IIfor details),

3. The IRS tells the requester that you furnished an incorrect TIN,

4. The IRS tells you that you are subject to backup withholding because youdid not report all your interest and dividends on your tax return (for reportableinterest and dividends only), or

5. You do not certify to the requester that you are not subject to backupwithholding under 4 above (for reportable interest and dividend accountsopened after 1983 only).

Certain payees and payments are exempt from backup withholding. SeeExempt payee code, later, and the separate Instructions for the Requester ofForm W-9 for more information.

Also see Special rules for partnerships, earlier.

What is FATCA Reporting?The Foreign Account Tax Compliance Act (FATCA) requires a participatingforeign financial institution to report all United States account holders that arespecified United States persons. Certain payees are exempt from FATCAreporting. See Exemption from FATCA reporting code, later, and theInstructions for the Requester of Form W-9 for more information.

Updating Your InformationYou must provide updated information to any person to whom you claimed tobe an exempt payee if you are no longer an exempt payee and anticipatereceiving reportable payments in the future from this person. For example,you may need to provide updated information if you are a C corporation thatelects to be an S corporation, or if you no longer are tax exempt. In addition,you must furnish a new Form W-9 if the name or TIN changes for theaccount; for example, if the grantor of a grantor trust dies.

PenaltiesFailure to furnish TIN. If you fail to furnish your correct TIN to a requester,you are subject to a penalty of $50 for each such failure unless your failure isdue to reasonable cause and not to willful neglect.Civil penalty for false information with respect to withholding. If youmake a false statement with no reasonable basis that results in no backupwithholding, you are subject to a $500 penalty.

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Criminal penalty for falsifying information. Willfully falsifying certificationsor affirmations may subject you to criminal penalties including fines and/orimprisonment.Misuse of TINs. If the requester discloses or uses TINs in violation of federallaw, the requester may be subject to civil and criminal penalties.

Specific InstructionsLine 1You must enter one of the following on this line; do not leave this line blank.The name should match the name on your tax return.

If this Form W-9 is for a joint account (other than an account maintained bya foreign financial institution (FFI)), list first, and then circle, the name of theperson or entity whose number you entered in Part I of Form W-9. If you areproviding Form W-9 to an FFI to document a joint account, each holder of theaccount that is a U.S. person must provide a Form W-9.

a. Individual. Generally, enter the name shown on your tax return. If youhave changed your last name without informing the Social SecurityAdministration (SSA) of the name change, enter your first name, the lastname as shown on your social security card, and your new last name.Note: ITIN applicant: Enter your individual name as it was entered on yourForm W-7 application, line 1a. This should also be the same as the nameyou entered on the Form 1040/1040A/1040EZ you filed with your application.

b. Sole proprietor or single-member LLC. Enter your individual name asshown on your 1040/1040A/1040EZ on line 1. You may enter your business,trade, or "doing business as" (DBA) name on line 2.

c. Partnership, LLC that is not a single-member LLC, C corporation,or S corporation. Enter the entity's name as shown on the entity's tax returnon line 1 and any business, trade, or DBA name on line 2.

d. Other entities. Enter your name as shown on required U.S. federal taxdocuments on line 1. This name should match the name shown on thecharter or other legal document creating the entity. You may enter anybusiness, trade, or DBA name on line 2.

e. Disregarded entity. For U.S. federal tax purposes, an entity that isdisregarded as an entity separate from its owner is treated as a "disregardedentity." See Regulations section 301.7701-2(c)(2)(iii). Enter the owner'sname on line 1. The name of the entity entered on line 1 should never be adisregarded entity. The name on line 1 should be the name shown on theincome tax return on which the income should be reported. For example, if aforeign LLC that is treated as a disregarded entity for U.S. federal taxpurposes has a single owner that is a U.S. person, the U.S. owner's name isrequired to be provided on line 1. If the direct owner of the entity is also adisregarded entity, enter the first owner that is not disregarded for federal taxpurposes. Enter the disregarded entity's name on line 2, "Businessname/disregarded entity name." If the owner of the disregarded entity is aforeign person, the owner must complete an appropriate Form W-8 insteadof a Form W-9. This is the case even if the foreign person has a U.S. TIN.

Line 2If you have a business name, trade name, DBA name, or disregarded entityname, you may enter it on line 2.

Line 3Check the appropriate box on line 3 for the U.S. federal tax classification ofthe person whose name is entered on line 1. Check only one box on line 3.

IF the entity/person on line 1 isa(n)...

THEN check the box for...

• Corporation Corporation• Individual

• Sole proprietorship, or

• Single-member limited liabilitycompany (LLC) owned by anindividual and disregarded for U.S.federal tax purposes.

Individual/sole proprietor or single-member LLC

• LLC treated as a partnership forU.S. federal tax purposes,

• LLC that has filed Form 8832 or2553 to be taxed as a corporation,or

• LLC that is disregarded as anentity separate from its owner butthe owner is another LLC that is notdisregarded for U.S. federal taxpurposes.

Limited liability company and enterthe appropriate tax classification.(P= Partnership; C= C corporation;or S= S corporation)

• Partnership Partnership• Trust/estate Trust/estate

Line 4, ExemptionsIf you are exempt from backup withholding and/or FATCA reporting, enter inthe appropriate space on line 4 any code(s) that may apply to you.Exempt payee code.• Generally, individuals (including sole proprietors) are not exempt frombackup withholding.• Except as provided below, corporations are exempt from backupwithholding for certain payments, including interest and dividends.• Corporations are not exempt from backup withholding for payments madein settlement of payment card or third party network transactions.• Corporations are not exempt from backup withholding with respect toattorneys' fees or gross proceeds paid to attorneys, and corporations thatprovide medical or health care services are not exempt with respect topayments reportable on Form 1099-MISC.

The following codes identify payees that are exempt from backupwithholding. Enter the appropriate code in the space in line 4.

1-An organization exempt from tax under section 501(a), any IRA, or acustodial account under section 403(b)(7) if the account satisfies therequirements of section 401(f)(2)

2-The United States or any of its agencies or instrumentalities3-A state, the District of Columbia, a U.S. commonwealth or possession, or

any of their political subdivisions or instrumentalities4-A foreign government or any of its political subdivisions, agencies, or

instrumentalities5-A corporation6-A dealer in securities or commodities required to register in the United

States, the District of Columbia, or a U.S. commonwealth or possession7-A futures commission merchant registered with the Commodity Futures

Trading Commission8-A real estate investment trust9-An entity registered at all times during the tax year under the Investment

Company Act of 194010-A common trust fund operated by a bank under section 584(a)11-A financial institution12-A middleman known in the investment community as a nominee or

custodian13-A trust exempt from tax under section 664 or described in section 4947

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The following chart shows types of payments that may be exempt frombackup withholding. The chart applies to the exempt payees listed above, 1through 13.IF the payment is for... THEN the payment is exempt for...Interest and dividend payments All exempt payees except for 7Broker transactions Exempt payees 1 through 4 and 6

through 11 and all C corporations. Scorporations must not enter anexempt payee code because theyare exempt only for sales ofnoncovered securities acquired priorto 2012.

Barter exchange transactions andpatronage dividends


Payments over $600 required to bereported and direct sales over$5,0001

Generally, exempt payees

1 through 52

Payments made in settlement ofpayment card or third party networktransactions


1 See Form 1099-MISC, Miscellaneous Income, and its instructions.2 However, the following payments made to a corporation and reportable onForm 1099-MISC are not exempt from backup withholding: medical andhealth care payments, attorneys' fees, gross proceeds paid to an attorneyreportable under section 6045(f), and payments for services paid by a federalexecutive agency.Exemption from FATCA reporting code. The following codes identifypayees that are exempt from reporting under FATCA. These codes apply topersons submitting this form for accounts maintained outside of the UnitedStates by certain foreign financial institutions. Therefore, if you are onlysubmitting this form for an account you hold in the United States, you mayleave this field blank. Consult with the person requesting this form if you areuncertain if the financial institution is subject to these requirements. Arequester may indicate that a code is not required by providing you with aForm W-9 with "Not Applicable" (or any similar indication) written or printedon the line for a FATCA exemption code.

A-An organization exempt from tax under section 501(a) or any individualretirement plan as defined in section 7701(a)(37)

B-The United States or any of its agencies or instrumentalitiesC-A state, the District of Columbia, a U.S. commonwealth or possession,

or any of their political subdivisions or instrumentalitiesD-A corporation the stock of which is regularly traded on one or more

established securities markets, as described in Regulations section 1.1472-1(c)(1)(i)

E-A corporation that is a member of the same expanded affiliated group asa corporation described in Regulations section 1.1472-1(c)(1)(i)

F-A dealer in securities, commodities, or derivative financial instruments(including notional principal contracts, futures, forwards, and options) that isregistered as such under the laws of the United States or any state

G-A real estate investment trustH-A regulated investment company as defined in section 851 or an entity

registered at all times during the tax year under the Investment Company Actof 1940

I-A common trust fund as defined in section 584(a)J-A bank as defined in section 581K-A brokerL-A trust exempt from tax under section 664 or described in section

4947(a)(1)

M-A tax exempt trust under a section 403(b) plan or section 457(g) planNote: You may wish to consult with the financial institution requesting thisform to determine whether the FATCA code and/or exempt payee codeshould be completed.

Line 5Enter your address (number, street, and apartment or suite number). This iswhere the requester of this Form W-9 will mail your information returns. If thisaddress differs from the one the requester already has on file, write NEW atthe top. If a new address is provided, there is still a chance the old addresswill be used until the payor changes your address in their records.

Line 6Enter your city, state, and ZIP code.

Part I. Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. If you are a resident alien and youdo not have and are not eligible to get an SSN, your TIN is your IRSindividual taxpayer identification number (ITIN). Enter it in the social securitynumber box. If you do not have an ITIN, see How to get a TIN below.

If you are a sole proprietor and you have an EIN, you may enter either yourSSN or EIN.

If you are a single-member LLC that is disregarded as an entity separatefrom its owner, enter the owner's SSN (or EIN, if the owner has one). Do notenter the disregarded entity's EIN. If the LLC is classified as a corporation orpartnership, enter the entity's EIN.Note: See What Name and Number To Give the Requester, later, for furtherclarification of name and TIN combinations.How to get a TIN. If you do not have a TIN, apply for one immediately. Toapply for an SSN, get Form SS-5, Application for a Social Security Card,from your local SSA office or get this form online at www.SSA.gov. You mayalso get this form by calling 1-800-772-1213. Use Form W-7, Application forIRS Individual Taxpayer Identification Number, to apply for an ITIN, or FormSS-4, Application for Employer Identification Number, to apply for an EIN.You can apply for an EIN online by accessing the IRS website atwww.irs.gov/Businesses and clicking on Employer Identification Number(EIN) under Starting a Business. Go to www.irs.gov/Forms to view,download, or print Form W-7 and/or Form SS-4. Or, you can go towww.irs.gov/OrderForms to place an order and have Form W-7 and/or SS-4mailed to you within 10 business days.

If you are asked to complete Form W-9 but do not have a TIN, apply for aTIN and write "Applied For" in the space for the TIN, sign and date the form,and give it to the requester. For interest and dividend payments, and certainpayments made with respect to readily tradable instruments, generally youwill have 60 days to get a TIN and give it to the requester before you aresubject to backup withholding on payments. The 60-day rule does not applyto other types of payments. You will be subject to backup withholding on allsuch payments until you provide your TIN to the requester.Note: Entering "Applied For" means that you have already applied for a TINor that you intend to apply for one soon.Caution: A disregarded U.S. entity that has a foreign owner must use theappropriate Form W-8.

Part II. CertificationTo establish to the withholding agent that you are a U.S. person, or residentalien, sign Form W-9. You may be requested to sign by the withholding agenteven if item 1, 4, or 5 below indicates otherwise.

For a joint account, only the person whose TIN is shown in Part I shouldsign (when required). In the case of a disregarded entity, the personidentified on line 1 must sign. Exempt payees, see Exempt payee code,earlier.Signature requirements. Complete the certification as indicated in items 1through 5 below.

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www.SSA.gov

www.irs.gov/Businesses

www.irs.gov/Forms

www.irs.gov/OrderForms


1. Interest, dividend, and barter exchange accounts opened before1984 and broker accounts considered active during 1983. You must giveyour correct TIN, but you do not have to sign the certification.

2. Interest, dividend, broker, and barter exchange accounts openedafter 1983 and broker accounts considered inactive during 1983. Youmust sign the certification or backup withholding will apply. If you are subjectto backup withholding and you are merely providing your correct TIN to therequester, you must cross out item 2 in the certification before signing theform.

3. Real estate transactions. You must sign the certification. You maycross out item 2 of the certification.

4. Other payments. You must give your correct TIN, but you do not haveto sign the certification unless you have been notified that you havepreviously given an incorrect TIN. "Other payments" include payments madein the course of the requester's trade or business for rents, royalties, goods(other than bills for merchandise), medical and health care services(including payments to corporations), payments to a nonemployee forservices, payments made in settlement of payment card and third partynetwork transactions, payments to certain fishing boat crew members andfishermen, and gross proceeds paid to attorneys (including payments tocorporations).

5. Mortgage interest paid by you, acquisition or abandonment ofsecured property, cancellation of debt, qualified tuition programpayments (under section 529), ABLE accounts (under section 529A),IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions,and pension distributions. You must give your correct TIN, but you do nothave to sign the certification.

What Name and Number To Give the RequesterFor this type of account: Give name and SSN of:

1. Individual The individual2. Two or more individuals (joint

account) other than an accountmaintained by an FFI

The actual owner of the account or, ifcombined funds, the first individual onthe account1

3. Two or more U.S. persons (jointaccount maintained by an FFI)

Each holder of the account

4. Custodial account of a minor(Uniform Gift to Minors Act)

The minor2

5. a. The usual revocable savingstrust (grantor is also trustee)

The grantor-trustee1

b. So-called trust account that isnot a legal or valid trust understate law

The actual owner1

6. Sole proprietorship ordisregarded entity owned by anindividual

The owner3

7. Grantor trust filing underOptional Form 1099 FilingMethod 1 (see Regulationssection 1.671-4(b)(2)(i) (A))

The grantor*

For this type of account: Give name and EIN of:8. Disregarded entity not owned by

an individualThe owner

9. A valid trust, estate, or pensiontrust

Legal entity4

10. Corporation or LLC electingcorporate status on Form 8832or Form 2553

The corporation

11. Association, club, religious,charitable, educational, or othertax-exempt organization

The organization

12. Partnership or multi-memberLLC

The partnership

13. A broker or registered nominee The broker or nominee

For this type of account: Give name and EIN of:14. Account with the Department of

Agriculture in the name of apublic entity (such as a state orlocal government, school district,or prison) that receivesagricultural program payments

The public entity

15. Grantor trust filing under theForm 1041 Filing Method or theOptional Form 1099 FilingMethod 2 (see Regulationssection 1.671-4(b)(2)(i)(B))

The trust

1 List first and circle the name of the person whose number you furnish. Ifonly one person on a joint account has an SSN, that person's number mustbe furnished.2 Circle the minor's name and furnish the minor's SSN.3 You must show your individual name and you may also enter your businessor DBA name on the "Business name/disregarded entity" name line. Youmay use either your SSN or EIN (if you have one), but the IRS encouragesyou to use your SSN.4 List first and circle the name of the trust, estate, or pension trust. (Do notfurnish the TIN of the personal representative or trustee unless the legalentity itself is not designated in the account title.) Also see Special rules forpartnerships, earlier.* Note: The grantor also must provide a Form W-9 to trustee of trust.Note: If no name is circled when more than one name is listed, the numberwill be considered to be that of the first name listed.

Secure Your Tax Records From Identity TheftIdentity theft occurs when someone uses your personal information such asyour name, SSN, or other identifying information, without your permission, tocommit fraud or other crimes. An identity thief may use your SSN to get a jobor may file a tax return using your SSN to receive a refund.

To reduce your risk:• Protect your SSN,• Ensure your employer is protecting your SSN, and• Be careful when choosing a tax preparer.

If your tax records are affected by identity theft and you receive a noticefrom the IRS, respond right away to the name and phone number printed onthe IRS notice or letter.

If your tax records are not currently affected by identity theft but you thinkyou are at risk due to a lost or stolen purse or wallet, questionable credit cardactivity or credit report, contact the IRS Identity Theft Hotline at 1-800-908-4490 or submit Form 14039.

For more information, see Pub. 5027, Identity Theft Information forTaxpayers.

Victims of identity theft who are experiencing economic harm or a systemicproblem, or are seeking help in resolving tax problems that have not beenresolved through normal channels, may be eligible for Taxpayer AdvocateService (TAS) assistance. You can reach TAS by calling the TAS toll-freecase intake line at 1-877-777-4778 or TTY/TDD 1-800-829-4059.Protect yourself from suspicious emails or phishing schemes. Phishingis the creation and use of email and websites designed to mimic legitimatebusiness emails and websites. The most common act is sending an email toa user falsely claiming to be an established legitimate enterprise in anattempt to scam the user into surrendering private information that will beused for identity theft.

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The IRS does not initiate contacts with taxpayers via emails. Also, the IRSdoes not request personal detailed information through email or asktaxpayers for the PIN numbers, passwords, or similar secret accessinformation for their credit card, bank, or other financial accounts.

If you receive an unsolicited email claiming to be from the IRS, forward thismessage to [email protected]. You may also report misuse of the IRS name,logo, or other IRS property to the Treasury Inspector General for TaxAdministration (TIGTA) at 1-800-366-4484. You can forward suspiciousemails to the Federal Trade Commission at [email protected] or report them atwww.ftc.gov/complaint. You can contact the FTC at www.ftc.gov/idtheft or877-IDTHEFT (877-438-4338). If you have been the victim of identity theft,see www.IdentityTheft.gov and Pub. 5027.

Visit www.irs.gov/IdentityTheft to learn more about identity theft and how toreduce your risk.

Privacy Act NoticeSection 6109 of the Internal Revenue Code requires you to provide yourcorrect TIN to persons (including federal agencies) who are required to fileinformation returns with the IRS to report interest, dividends, or certain otherincome paid to you; mortgage interest you paid; the acquisition orabandonment of secured property; the cancellation of debt; or contributionsyou made to an IRA, Archer MSA, or HSA. The person collecting this formuses the information on the form to file information returns with the IRS,reporting the above information. Routine uses of this information includegiving it to the Department of Justice for civil and criminal litigation and tocities, states, the District of Columbia, and U.S. commonwealths andpossessions for use in administering their laws. The information also may bedisclosed to other countries under a treaty, to federal and state agencies toenforce civil and criminal laws, or to federal law enforcement and intelligenceagencies to combat terrorism. You must provide your TIN whether or not youare required to file a tax return. Under section 3406, payers must generallywithhold a percentage of taxable interest, dividend, and certain otherpayments to a payee who does not give a TIN to the payer. Certain penaltiesmay also apply for providing false or fraudulent information.

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www.ftc.gov/complaint

www.ftc.gov/idtheft

www.IdentityTheft.gov

www.irs.gov/IdentityTheft

ERRORS AND OMISSIONS / COMPLIANCE AGREEMENT MORENO

Loan #: 600298971

MIN: 100853706002989711




LENDER: LOANDEPOT.COM, LLC

The undersigned Borrower(s) for and in consideration of the above-referenced Lender funding the closing of this loanagrees, if requested by Lender or Closing Agent for Lender, to fully cooperate and adjust for clerical errors, any or all loanclosing documentation if deemed necessary or desirable in the reasonable discretion of Lender to enable Lender to sell, convey,seek guaranty or market said loan to any entity, including but not limited to an investor, Federal National MortgageAssociation, Federal Home Loan Mortgage Corporation, Government National Mortgage Association, Federal HousingAuthority or the Department of Veterans Affairs, or any Municipal Bonding Authority.

The undersigned Borrower(s) agree(s) to comply with all above noted requests by the above-referenced Lender within30 days from date of mailing of said requests. Borrower(s) agree(s) to assume all costs including, by way of illustration and notlimitation, actual expenses, legal fees and marketing losses for failing to comply with correction requests in the above notedtime period, unless prohibited by applicable law.

The undersigned Borrower(s) do hereby so agree and covenant in order to assure that this loan documentationexecuted this date will conform and be acceptable in the marketplace in the instance of transfer, sale or conveyance by Lenderof its interest in and to said loan documentation, and to assure marketable title in the said Borrower(s).

DATED this 18TH day of OCTOBER, 2021.






personally appeared ISMAEL MORENO and MARIA DOLORES MORENO, who proved to me on the basis of satisfactoryevidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/theyexecuted the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument theperson(s), or the entity upon behalf of which the person(s) acted, executed the instrument.



Signature (Seal)

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Borrower's Certification & Authorization


MORENO

Loan #: 600298971

MIN: 100853706002989711

CertificationIn this document, "I," "me," and other first person pronouns refer to the borrower(s), whether singularly or collectively, who applied for the loan referenced above.

I, the undersigned, hereby certify the following:

I have applied for a mortgage loan from LOANDEPOT.COM, LLC. In applying for the loan, I have completed a loan applicationcontaining various information on the purpose of the loan, the amount and source of the down payment, employment and incomeinformation, and assets and liabilities. I certify that all of the information is true and complete. I made no misrepresentations in the loanapplication or other documents, nor did I omit any pertinent information.

1.

I understand that most loans require a full review of information provided on the application, including possible verification of theinformation. I agree that if my loan program does not require full documentation, LOANDEPOT.COM, LLC reserves the right tochange the mortgage loan review process to a full documentation review. This may include verifying the information provided on theapplication with any employer and/or any financial institution.

2.

I fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements whenapplying for a mortgage, as applicable under the provisions of 18 USCA §1014.

3.

I provided a verbal and/or written authorization to order a consumer credit report and verify other credit related information inconnection with my loan application, including but not limited to any mortgage or landlord reference and any other source of credit asdetermined by LOANDEPOT.COM, LLC.

4.

I further authorize LOANDEPOT.COM, LLC to order a consumer credit report and verify other credit related information in connectionwith my loan application, including but not limited to any mortgage or landlord reference and any other source of credit as determinedby LOANDEPOT.COM, LLC. I understand that the purpose for this order is for LOANDEPOT.COM, LLC to determine my eligibilityand creditworthiness for the loan being applied for, as well as for other legitimate purposes associated with my account.

5.

Authorization to Release InformationTo Whom It May Concern:

I have applied for a mortgage loan from LOANDEPOT.COM, LLC. As part of the application process, LOANDEPOT.COM, LLC andthe mortgage guaranty insurer (if any), may verify information contained in my loan application and in other documents required inconnection with the loan, including accessing a new credit report, either before the loan is closed or as part of its quality controlprogram.

1.

I authorize you to provide to LOANDEPOT.COM, LLC, and to any investor to whom LOANDEPOT.COM, LLC may sell mymortgage, and to the mortgage guaranty insurer (if any), any and all information and documentation that they request. Such informationincludes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; andcopies of income tax returns.

2.

LOANDEPOT.COM, LLC or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address thisauthorization to any party named in the loan application.

3.

A copy of this authorization may be accepted as an original.4.Your prompt reply to LOANDEPOT.COM, LLC, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any) isappreciated.

5.

Mortgage guaranty insurer (if any): N/A6.

ExecutionBy signing below, I hereby certify and authorize (as applicable) the foregoing items of information.



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Tax and Insurance Information Sheet

CLOSING DATE: OCTOBER 18, 2021



MORENO

Loan #: 600298971

PIN: 660-37-075

MIN: 100853706002989711


SHORT LEGAL:

NEW CONSTRUCTION EXISTING HOUSING

1. TITLE COMPANY NAME: ATLAS TITLE AGENCY, INC.

Attn: DAWN CASTANEDA

Address: 1 CORPORATE PARK, SUITE 200, IRVINE, CA 92606-Phone #: (949) 946-5240 Escrow #: CA-2109-015388-

2. COUNTY TAXES: SANTA CLARA

Address:Phone #: Parcel #: 660-37-075How Paid: Annual Semi-Annual Quarterly Date Paid:Amount Last Paid: Next Due Date: MARCH 1, 2022Amount Next Due: Date Taxes Delinquent:

3. CITY TAXES:

Address:Phone #: Parcel #:How Paid: Annual Semi-Annual Quarterly Date Paid:Amount Last Paid: Next Due Date:Amount Next Due: Date Taxes Delinquent:

4. SCHOOL TAXES:

Address:Phone #: Parcel #:How Paid: Annual Semi-Annual Quarterly Date Paid:Amount Last Paid: Next Due Date:Amount Next Due: Date Taxes Delinquent:

5. FLOOD INSURANCE:

Address:Phone #: Agent:Coverage Amount: Premium:Renewal Date: Policy No:

6. HAZARD INSURANCE: LIBERTY MUTUAL

Address: PO BOX 1604, NEW YORK, NY 10116Phone #: Agent: LIBERTY MUTUAL INSURANCECoverage Amount: $501,400.00 Premium: $1,865.00Renewal Date: NOVEMBER 24, 2022 Policy No: H37-261-149399-60 0 2How Paid: Annual Semi-Annual Quarterly

7. WIND/STORM/HAIL INSURANCE:

Address:Phone #: Agent:Coverage Amount: Premium:Renewal Date: Policy No:

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To be completed by the Lender:

Lender Loan No./Universal Loan Identifier600298971 /549300AG64NHILB7ZP050000000000000060029897170 Agency Case No.

Uniform Residential Loan ApplicationVerify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information asdirected by your Lender.

Section 1: Borrower Information. This section asks about your personal information and your income from employment and other sources, suchas retirement, that you want considered to qualify for this loan.

1a. Personal Information

Name (First, Middle, Last, Suffix)

ISMAEL MORENO

Alternate Names - List any names by which you are known or any names

under which credit was previously received (First, Middle, Last, Suffix)

ISMAEL MORENO

ISMAEL J MORENO

MORENO,ISMAEL,D

Social Security Number 455-80-6742(or Individual Taxpayer Identification Number)Date of Birth

(mm/dd/yyyy)09/04/1945

Citizenship

U.S. Citizen

Permanent Resident Alien

Non-Permanent Resident Alien

Type of CreditI am applying for individual credit. I am applying for joint credit. Total Number of Borrowers: 2

Each Borrower intends to apply for joint credit. Your initials:

List Name(s) of Other Borrower(s) Applying for this Loan

(First, Middle, Last, Suffix) - Use a separator between names


Marital StatusMarriedSeparatedUnmarried

Dependents (not listed by another Borrower)Number 0 Ages

(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered

Reciprocal Beneficiary Relationship)

Contact Information

Home Phone (408) 270-1086 Cell Phone Work Phone Ext.

Email [email protected]

Current AddressStreet 5296 CREEK EST Unit #

City SAN JOSE State CA ZIP 95135 Country UNITED STATES

How Long at Current Address? 35 Years Months Housing No primary housing expense Own Rent ($ /month)

If at Current Address for LESS than 2 years, list Former Address Does not apply

Mailing Address - if different from Current Address Does not apply

1b. Current Employment/Self-Employment and Income Does not apply

Employer or Business Name RETIRED Phone

Street Unit #

City State ZIP Country UNITED STATES

Position or Title

Start Date 01/01/2013 (mm/dd/yyyy)How long in this line of work? 8 Years 9 Months

Check if this statement applies:I am employed by a family member,

property seller, real estate agent, or other

party to the transaction.

Check if you are the Business

Owner or Self-Employed I have an ownership share of less than 25%.

I have an ownership share of 25% or more.Monthly Income (or Loss)

$

Gross Monthly IncomeBase $ /monthOvertime $ /monthBonus $ /monthCommission $ /monthMilitary

Entitlements $ /monthOther $ /monthTOTAL $ /month

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income Does not apply

Borrower Name: ISMAEL MORENO Additional Borrower Name: MARIA DOLORES MORENO Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

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1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income Does not applyProvide at least 2 years of current and previous employment and income.

1e. Income from Other Sources Does not applyInclude income from other sources below. Under Income Source, choose from the sources listed here:• Alimony• Automobile Allowance• Boarder Income• Capital Gains

• Child Support• Disability• Foster Care• Housing or Parsonage

• Interest and Dividends• Mortgage Credit Certificate• Mortgage Differential

Payments

• Notes Receivable• Public Assistance• Retirement

(e.g., Pension, IRA)

• Royalty Payments• Separate Maintenance• Social Security• Trust

• Unemployment

Benefits• VA Compensation• Other

NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.

Income Source - use list above Monthly IncomeSocial Security $ 503.50

Retirement $ 5,598.97

Provide TOTAL Amount Here $ 6,102.47

Section 2: Financial Information - Assets and Liabilities. This section asks about things you own that are worth money and that you wantconsidered 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

Include all accounts below. Under Account Type, choose from the types listed here:• Checking• Savings• Money Market

• Certificate of Deposit• Mutual Fund• Stocks

• Stock Options• Bonds• Retirement (e.g., 401k, IRA)

• Bridge Loan Proceeds• Individual Development

Account

• Trust Account• Cash Value of Life Insurance

(used for the transaction)

Account Type - use list above Financial Institution Account Number Cash or Market ValueChecking WELLS FARGO XXX5886 $ 11,177.53

Checking WELLS FARGO XXX5462 $ 3,701.70

Money Market WELLS FARGO XXX5491 $ 81,473.33

Provide TOTAL Amount Here $ 96,352.56

2b. Other Assets and Credits You Have Does not applyInclude all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:Assets• Proceeds from Real Estate

Property to be sold on or

before closing

• Proceeds from Sale of

Non-Real Estate Asset• Secured Borrowed Funds

• Unsecured Borrowed Funds• Other

Credits• Earnest Money• Employer Assistance• Lot Equity

• Relocation Funds• Rent Credit

• Sweat Equity• Trade Equity

Asset or Credit Type - use list above Cash or Market ValueOther BORROWER PAID FEES $

Provide TOTAL Amount Here $

2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe Does not apply

List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:• Revolving (e.g., credit cards) • Installment (e.g., car, student, personal loans) • Open 30-Day (balance paid monthly) • Lease (not real estate) • Other

2d. Other Liabilities and Expenses Does not apply

Include all other liabilities and expenses below. Choose from the types listed here: • Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other



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Section 3: Financial Information - Real Estate. This section asks you to list all properties you currently own and what you owe onthem. I do not own any real estate

3a. Property You Own If you are refinancing, list the property you are refinancing FIRST.

Address Street 5296 CREEK ESTATES Unit #


Property Value

Status: Sold,

Pending Sale,

or Retained

Intended Occupancy:

Investment, Primary

Residence, Second

Home, Other

Monthly Insurance, Taxes,Association Dues, etc.

if not included in Monthly

Mortgage Payment

For 2-4 Unit Primary or Investment Property

Monthly Rental

IncomeFor LENDER to calculate:

Net Monthly Rental Income$700,000.00 Retained Primary Residence $831.46 $ $

Mortgage Loans on this Property Does not apply

Creditor Name Account Number

Monthly

Mortgage

Payment Unpaid BalanceTo be paid off ator before closing

Type: FHA, VA,

Conventional,

USDA-RD, OtherCredit Limit

(if applicable)WELLS FARGO HMMORTGAG

7080098629728 ($1,639.00) $228,076.09 Conventional $

Section 4: Loan and Property Information. This section asks about the loan's purpose and the property you want to purchase orrefinance.

4a. Loan and Property Information

Loan Amount $ 227,500.00 Loan Purpose Purchase Refinance Other (specify)

Property Address Street 5296 CREEK ESTATES Unit #

City SAN JOSE State CA ZIP 95135 County SANTA CLARA

Number of Units 1 Property Value $ 700,000.00 Occupancy Primary Residence Second Home Investment Property FHA Secondary 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 applyInclude all gifts and grants below. Under Source, choose from the sources listed here:• Community Nonprofit• Employer

• Federal Agency• Local Agency

• Relative• Religious Nonprofit

• State Agency• Unmarried Partner

• Lender• Other



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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 If YES, complete (1) and (2) below: (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 obtainingany 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 beforeclosing 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 thatis 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 throughyour 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 partyand 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?

If YES, identify the type(s) of bankruptcy: Chapter 7 Chapter 11 Chapter 12 Chapter 13 NO YES



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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 anybeneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) anyguarantor, (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 estatesales contract signed by me in connection with this application are true,accurate, and complete to the best of my knowledge and belief. I have notentered into any other agreement, written or oral, in connection with thisreal estate transaction.

• The Lender and Other Loan Participants may rely on the informationcontained in the application before and after closing of the Loan.

• Any intentional or negligent misrepresentation of information may resultin the imposition of:

(a) civil liability on me, including monetary damages, if a person suffersany loss because the person relied on any misrepresentation that Ihave made on this application, and/or

(b) criminal penalties on me including, but not limited to, fine orimprisonment or both under the provisions of Federal law (18 U.S.C.§§ 1001 et seq.).

(2) The Property's SecurityThe Loan I have applied for in this application will be secured by a mortgageor deed of trust which provides the Lender a security interest in theproperty 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, orits 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 isapproved.

• If this application is created as (or converted into) an "electronicapplication", I consent to the use of "electronic records" and "electronicsignatures" as the terms are defined in and governed by applicable Federaland/or state electronic transactions laws.

• I intend to sign and have signed this application either using my: (a) electronic signature; or (b) a written signature and agree that if a paper version of this

application is converted into an electronic application, the applicationwill be an electronic record, and the representation of my writtensignature on this application will be my binding electronic signature.

• I agree that the application, if delivered or transmitted to the Lender orOther Loan Participants as an electronic record with my electronicsignature, will be as effective and enforceable as a paper applicationsigned by me in writing.

(5) Delinquency• The Lender and Other Loan Participants may report information about my

account to credit bureaus. Late payments, missed payments, or otherdefaults on my account may be reflected in my credit report and will likelyaffect my credit score.

• If I have trouble making my payments I understand that I may contact aHUD-approved housing counseling organization for advice about actions Ican take to meet my mortgage obligations.

(6) Authorization for Use and Sharing of InformationBy signing below, in addition to the representations and agreements madeabove, I expressly authorize the Lender and Other Loan Participants toobtain, use, and share with each other (i) the loan application and relatedloan information and documentation, (ii) a consumer credit report on me,and (iii) my tax return information, as necessary to perform the actionslisted below, for so long as they have an interest in my loan or its servicing: (a) process and underwrite my loan; (b) verify any data contained in my consumer credit report, my loan

application and other information supporting my loan application; (c) inform credit and investment decisions by the Lender and Other Loan

Participants; (d) perform audit, quality control, and legal compliance analysis and

reviews; (e) perform analysis and modeling for risk assessments; (f) monitor the account for this loan for potential delinquencies and

determine any assistance that may be available to me; and (g) other actions permissible under applicable law.

Borrower Signature Date (mm/dd/yyyy)

Additional Borrower Signature Date (mm/dd/yyyy)



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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 YESIf 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 andneighborhoods 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 toprovide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." Thelaw 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 providethe information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visualobservation 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 moreHispanic or Latino

Mexican Puerto Rican Cuban Other Hispanic or Latino - Print origin: For example: Argentinean, Colombian, Dominican, Nicaraguan,

Salvadoran, Spaniard, and so on.Not Hispanic or LatinoI do not wish to provide this information

SexFemaleMaleI do not wish to provide this information

Race: Check one or moreAmerican Indian or Alaska Native - Print name of enrolled or principal tribe:

Asian Asian Indian Chinese Filipino Japanese Korean Vietnamese Other Asian - Print race: For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Black or African AmericanNative Hawaiian or Other Pacific Islander

Native Hawaiian Guamanian or Chamorro Samoan Other Pacific Islander - Print race: For example: Fijian, Tongan, and so on.

WhiteI do not wish to provide this information

To Be Completed by Financial Institution (for application taken in person):

Was the ethnicity of the Borrower collected on the basis of visual observation or surname? NO YESWas the sex of the Borrower collected on the basis of visual observation or surname? NO YESWas the race of the Borrower collected on the basis of visual observation or surname? NO YES

The Demographic Information was provided through:

Face-to-Face Interview (includes Electronic Media w/ Video Component) Telephone Interview Fax or Mail Email or Internet



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Section 9: Loan Originator Information. To be completed by your Loan Originator.

Loan Originator Information

Loan Originator Organization Name C2 FINANCIAL CORPORATION

Address 10509 VISTA SORRENTO PARKWAY SUITE 400, SAN DIEGO, CA 92121-

Loan Originator Organization NMLSR ID# 135622 State License ID# 01821025

Loan Originator Name LORI ACKERMAN

Loan Originator NMLSR ID# 366353 State License ID# 00969633

Email [email protected] Phone (858)312-4900

Signature Date (mm/dd/yyyy) 10/18/2021



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Uniform Residential Loan Application - Additional BorrowerVerify and complete the information on this application as directed by your Lender.

Section 1: Borrower Information. This section asks about your personal information and your income from employment and other sources, suchas retirement, that you want considered to qualify for this loan.

1a. Personal Information

Name (First, Middle, Last, Suffix)


Alternate Names - List any names by which you are known or any names

under which credit was previously received (First, Middle, Last, Suffix)

MARIA D MORENO


Social Security Number 572-04-3315(or Individual Taxpayer Identification Number)Date of Birth

(mm/dd/yyyy)03/23/1956

Citizenship

U.S. Citizen

Permanent Resident Alien

Non-Permanent Resident Alien

Type of CreditI am applying for individual credit. I am applying for joint credit. Total Number of Borrowers: 2

Each Borrower intends to apply for joint credit. Your initials:

List Name(s) of Other Borrower(s) Applying for this Loan

(First, Middle, Last, Suffix) - Use a separator between names

ISMAEL MORENO

Marital StatusMarriedSeparatedUnmarried

Dependents (not listed by another Borrower)Number 0 Ages

(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered

Reciprocal Beneficiary Relationship)

Contact Information

Home Phone (408) 270-1086 Cell Phone (408) 832-2135 Work Phone Ext.

Email [email protected]

Current AddressStreet 5296 CREEK EST Unit #


How Long at Current Address? 35 Years Months Housing No primary housing expense Own Rent ($ /month)

If at Current Address for LESS than 2 years, list Former Address Does not apply

Mailing Address - if different from Current Address Does not apply

1b. Current Employment/Self-Employment and Income Does not apply

Employer or Business NameTHE ROMAN CATHOLIC BISHOP OFSAN JOSE Phone (408) 983-0209

Street 1150 NORTH FIRST STREET Unit # 100


Position or Title CERTIFIED FERTILITY CARE

Start Date 06/01/2014 (mm/dd/yyyy)How long in this line of work? 30 Years Months

Check if this statement applies:I am employed by a family member,

property seller, real estate agent, or other

party to the transaction.

Check if you are the Business

Owner or Self-Employed I have an ownership share of less than 25%.

I have an ownership share of 25% or more.Monthly Income (or Loss)

$

Gross Monthly IncomeBase $ 4,756.30 /monthOvertime $ /monthBonus $ /monthCommission $ /monthMilitary

Entitlements $ /monthOther $ /monthTOTAL $ 4,756.30 /month

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income Does not apply

Borrower Name: ISMAEL MORENO Additional Borrower Name: MARIA DOLORES MORENO Uniform Residential Loan Application - Additional Borrower


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1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income Does not applyProvide at least 2 years of current and previous employment and income.

1e. Income from Other Sources Does not applyInclude income from other sources below. Under Income Source, choose from the sources listed here:• Alimony• Automobile Allowance• Boarder Income• Capital Gains

• Child Support• Disability• Foster Care• Housing or Parsonage

• Interest and Dividends• Mortgage Credit Certificate• Mortgage Differential

Payments

• Notes Receivable• Public Assistance• Retirement

(e.g., Pension, IRA)

• Royalty Payments• Separate Maintenance• Social Security• Trust

• Unemployment

Benefits• VA Compensation• Other

NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.

Section 2: Financial Information - Assets and Liabilities.My information for Section 2 is listed on the Uniform Residential Loan Application with ISMAEL MORENO (insert name of Borrower)

Section 3: Financial Information - Real Estate.My information for Section 3 is listed on the Uniform Residential Loan Application with ISMAEL MORENO (insert name of Borrower)

Section 4: Loan and Property Information.My information for Section 4 is listed on the Uniform Residential Loan Application with ISMAEL MORENO (insert name of Borrower)



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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 If YES, complete (1) and (2) below: (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 obtainingany 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 beforeclosing 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 thatis 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 throughyour 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 partyand 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?

If YES, identify the type(s) of bankruptcy: Chapter 7 Chapter 11 Chapter 12 Chapter 13 NO YES

Section 6: Acknowledgments and Agreements.

My signature for Section 6 is on the Uniform Residential Loan Application with ISMAEL MORENO (insert name of Borrower)



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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 YESIf 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 andneighborhoods 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 toprovide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." Thelaw 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 providethe information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visualobservation 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 moreHispanic or Latino

Mexican Puerto Rican Cuban Other Hispanic or Latino - Print origin: For example: Argentinean, Colombian, Dominican, Nicaraguan,

Salvadoran, Spaniard, and so on.Not Hispanic or LatinoI do not wish to provide this information

SexFemaleMaleI do not wish to provide this information

Race: Check one or moreAmerican Indian or Alaska Native - Print name of enrolled or principal tribe:

Asian Asian Indian Chinese Filipino Japanese Korean Vietnamese Other Asian - Print race: For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Black or African AmericanNative Hawaiian or Other Pacific Islander

Native Hawaiian Guamanian or Chamorro Samoan Other Pacific Islander - Print race: For example: Fijian, Tongan, and so on.

WhiteI do not wish to provide this information

To Be Completed by Financial Institution (for application taken in person):

Was the ethnicity of the Borrower collected on the basis of visual observation or surname? NO YESWas the sex of the Borrower collected on the basis of visual observation or surname? NO YESWas the race of the Borrower collected on the basis of visual observation or surname? NO YES

The Demographic Information was provided through:

Face-to-Face Interview (includes Electronic Media w/ Video Component) Telephone Interview Fax or Mail Email or Internet



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Section 9: Loan Originator Information. To be completed by your Loan Originator.

Loan Originator Information

Loan Originator Organization Name C2 FINANCIAL CORPORATION

Address 10509 VISTA SORRENTO PARKWAY SUITE 400, SAN DIEGO, CA 92121-

Loan Originator Organization NMLSR ID# 135622 State License ID# 01821025

Loan Originator Name LORI ACKERMAN

Loan Originator NMLSR ID# 366353 State License ID# 00969633

Email [email protected] Phone (858)312-4900

Signature Date (mm/dd/yyyy) 10/18/2021



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Uniform Residential Loan Application - Lender Loan Information This section is completed by your Lender.

L1. 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.

Transaction Detail

Conversion of Contract for Deed or Land Contract

Renovation

Construction-Conversion/Construction-to-Permanent

Single-Closing Two-ClosingConstruction/Improvement Costs $ Lot Acquired Date (mm/dd/yyyy)Original Cost of Lot $

Refinance Type

No Cash Out

Limited Cash Out

Cash Out

Refinance Program Full Documentation Interest Rate Reduction Streamlined without Appraisal Other

Energy ImprovementMortgage loan will finance energy-related improvements.Property is currently subject to a lien that could take priority over thefirst mortgage lien, such as a clean energy lien paid through propertytaxes (e.g., the Property Assessed Clean Energy program).

Project Type Condominium Cooperative Planned Unit Development (PUD) Property is not located in a project

L2. Title Information

Title to the Property Will be Held in What Name(s):

ISMAEL MORENO, MARIA DOLORES MORENOFor Refinance: Title to the Property is Currently Held in What Name(s):

MARIA D MORENO

Estate Will be Held in Fee Simple Leasehold Expiration Date (mm/dd/yyyy)

Manner in Which Title Will be Held Sole Ownership

Life Estate

Tenancy in Common

Joint Tenancy with Right of Survivorship

Tenancy by the Entirety

Other

Trust Information

Title Will be Held by an Inter Vivos (Living) Trust

Title Will be Held by a Land Trust

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: ISMAEL MORENO Additional Borrower Name: MARIA DOLORES MORENO Uniform Residential Loan Application - Lender Loan Information


Effective 1/2021

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L3. Mortgage Loan Information

Mortgage Type Applied For Conventional USDA-RD FHA VA Other:

Terms of LoanNote Rate 2.3750 %Loan Term 240 (months)

Mortgage Lien Type

First Lien

Subordinate Lien

Amortization Type Fixed Rate

Adjustable Rate Other (explain):

If Adjustable Rate:Initial Period Prior to First Adjustment (months)Subsequent Adjustment Period (months)

Loan Features Balloon / Balloon Term (months) Interest Only / Interest Only Term (months) Negative Amortization Prepayment Penalty / Prepayment Penalty Term (months) Temporary Interest Rate Buydown / Initial Buydown Rate % Other (explain): CONV SELECT FIXED 20 YEAR (W2 ONLY)

Proposed Monthly Payment for PropertyFirst Mortgage (P & I) $ 1,191.72

Subordinate Lien(s) (P & I) $

Homeowner's Insurance $ 155.42

Supplemental Property Insurance $

Property Taxes $ 719.02

Mortgage Insurance $

Association/Project Dues (Condo, Co-Op, PUD) $

Other $

TOTAL $ 2,066.16



Effective 1/2021

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L4. Qualifying the Borrower - Minimum Required Funds or Cash Back

DUE FROM BORROWER(S)

A. Sales Contract Price $

B. Improvements, Renovations, and Repairs $

C. Land (if acquired separately) $

D. For Refinance: Balance of Mortgage Loans on the Property to be paid off in the Transaction

(See Table 3a. Property You Own) $ 228,076.09

E. Credit Cards and Other Debts Paid Off

(See Table 2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe) $

F. Borrower Closing Costs (including Prepaid and Initial Escrow Payments) $ 5,950.60

G. Discount Points $

H. TOTAL DUE FROM BORROWER(s) (Total of A thru G) $ 234,026.69

TOTAL MORTGAGE LOANS

I. Loan AmountLoan Amount Excluding Financed Mortgage Insurance (or Mortgage Insurance Equivalent) $ 227,500.00 Financed Mortgage Insurance (or Mortgage Insurance Equivalent) Amount $ $ 227,500.00

J. Other New Mortgage Loans on the Property the Borrower(s) is Buying or Refinancing

(See Table 4b. Other New Mortgage Loans on the Property You are Buying or Refinancing) $

K. TOTAL MORTGAGE LOANS (Total of I and J) $ 227,500.00

TOTAL CREDITS

L. Seller Credits (Enter the amount of Borrower(s) costs paid by the property seller) $

M. Other Credits (Enter the sum of all other credits - Borrower Paid Fees, Earnest Money, Employer AssistedHousing, Lease Purchase Fund, Lot Equity, Relocation Funds, Sweat Equity, Trade Equity, Other) $

N. TOTAL CREDITS (Total of L and M) $

CALCULATION

TOTAL DUE FROM BORROWER(s) (Line H) $ 234,026.69

LESS TOTAL MORTGAGE LOANS (Line K) AND TOTAL CREDITS (Line N) - $ 227,500.00

Cash From/To the Borrower (Line H minus Line K and Line N)

NOTE: This amount does not include reserves or other funds that may be required by the Lender to be verified. $ 6,526.69



Effective 1/2021

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CALIFORNIA- ADDENDUM TO THE UNIFORM RESIDENTIAL LOAN

APPLICATION (URLA) FNMA 1003

MORENO

Loan #: 600298971

MIN: 100853706002989711Date: OCTOBER 18, 2021





Credit applications for the obtainment of money, goods, labor or services shall clearly specify that the applicant, ifmarried, may apply for a separate account.

Cal. Civ. Code § 1812.30(j)

By signing below, you acknowledge receipt of this disclosure.



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Recording Requested By /

Return To:

LOANDEPOT.COM, LLC

25500 COMMERCENTRE DR, SUITE 100


(888) 337-6888

ATTN: DOC CONTROL

Prepared By:

LOANDEPOT.COM, LLC



(888) 337-6888

[Space Above This Line For Recording Data]

(Please fill in document title(s) on this line)

MORENO

Loan #: 600298971

MIN: 100853706002989711

MERS Phone: 1-888-679-6377

PIN: 660-37-075

1 Exempt from fee per GC27388.1 due to being recorded in connection with concurrent transfer that is subject to theimposition of documentary transfer tax, or,

2 Exempt from fee per GC27388.1 due to being recorded in connection with a transfer that was subject to documentarytransfer tax which was paid on document recorded previously on (date) as documentnumber of Official Records, or,

3 Exempt from fee per GC27388.1 due to the maximum fees being paid on documents in this transaction, or,

4 Exempt from fee per GC27388.1 due to the maximum fees having been paid on documents in the transaction(s) recordedpreviously on (date) as document number(s) ofOfficial Records, or

5 Exempt from fee per GC27388.1(a)(2); document transfers real property that is a residential dwelling to an owner-occupier,or,

6 Exempt from fee per GC27388.1 due to being recorded in connection with concurrent transfer that is a residential dwellingto an owner-occupier, or,

7 Exempt from fee per GC27388.1 due to it being recorded in connection with a transfer of real property that is a residentialdwelling to an owner-occupier. The recorded document transferring the dwelling to the owner-occupier was recorded on (date) as document number(s) , or,

8 Exempt from the fee per GC 27388.1 (a) (1); Not related to real property, or,

9 Exempt from fee under GC27388.1 for the following reasons:

THIS PAGE ADDED TO PROVIDE SENATE BILL 2 EXEMPTION INFORMATION

(Additional recording fee applies)

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21960.16

CORRECTION AGREEMENT - LIMITED POWER OF ATTORNEY

MORENO

Loan #: 600298971

MIN: 100853706002989711

On OCTOBER 18, 2021, the undersigned borrower(s), for and in consideration of the approval, closing andfunding of their mortgage loan (# 600298971), hereby grant ATLAS TITLE AGENCY, INC. as settlementagent and/or LOANDEPOT.COM, LLC as lender limited power of attorney to correct and/or execute or initial alltypographical or clerical errors discovered in any or all of the closing documentation required to be executed by theundersigned at settlement. In the event this limited power of attorney is exercised, the undersigned will be notifiedand receive a copy of the document executed or initialed on their behalf.

THIS LIMITED POWER OF ATTORNEY MAY NOT BE USED TO INCREASE THE INTEREST RATETHE UNDERSIGNED IS PAYING, INCREASE THE TERM OF THE UNDERSIGNED'S LOAN,INCREASE THE UNDERSIGNED'S OUTSTANDING PRINCIPAL BALANCE OR INCREASE THEUNDERSIGNED'S MONTHLY PRINCIPAL AND INTEREST PAYMENTS. Any of these specified changesmust be executed directly by the undersigned.

This limited power of attorney shall automatically terminate 120 days from the closing date of the undersigned'smortgage loan.

IN WITNESS WHEREOF, the undersigned have executed this Limited Power of Attorney as of the date and yearfirst above referenced.



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600298971

A notary public or other officer completing this certificate verifies only the identity of the individual who signedthe document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.


On before me, , (here insert name and title of the officer)personally appeared ISMAEL MORENO, and MARIA DOLORES MORENO who proved to me on the basis ofsatisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument andacknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that byhis/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted,executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph istrue and correct.


Signature (Seal)

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870.69

HARDSHIP MORENO

Loan #: 600298971

MIN: 100853706002989711

Loan Number: 600298971 RE: Borrower(s): ISMAEL MORENO

MARIA DOLORES MORENO Property Address: 5296 CREEK ESTATES

SAN JOSE, CA 95135

I/We, the undersigned Borrower(s) understand and acknowledge that my/our mortgage payment forthis loan on the above referenced property may be due within thirty (30) days of loan closing. This will notcreate any financial hardship to me/us.



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888.21

NOTICE REGARDING LENDER & SELLER CONTRIBUTIONS

Date: OCTOBER 18, 2021 Loan Number: 600298971

Borrower(s): ISMAEL MORENOMARIA DOLORES MORENO

Property Address: 5296 CREEK ESTATESSAN JOSE, CA 95135

Our policy is to apply any credits provided to you-including lender credits based on the interest rate you choose and seller credits-to offsetthe costs that you are required to pay at closing.

Seller contributions will be applied first, followed by lender credits, in the following order:

1. Amounts that are considered "finance charges" under Regulation Z;

2. Other amounts that are considered "points and fees" under Regulation Z; and

3. Any other closing costs.

If any seller contributions are left over, the amount of the remaining contribution will be retained by the seller.

If any lender credits are left over, we may apply them to reduce your principal balance to the extent allowable under the selected loanprogram.

Please contact your Mortgage Professional with any questions.

Licensed Lending Officer: LORI ACKERMAN

Company: C2 FINANCIAL CORPORATION

Phone Number: (858)312-4900

We look forward to helping facilitate this transaction.

loanDepot Wholesale



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PAYOFF SCHEDULE MORENO

Loan #: 600298971MIN: 100853706002989711

The following accounts must be paid off through escrow as a condition of the attached loan approval:

WELLS FARGO HM MORTGAG $228,076.09

TOTAL: $228,076.09

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