Preview
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018
NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022
HOULIHAN LAWRENCE
MOTION TO AMEND CLASS DEFINITION
EXHIBIT 6
HUD-1 Closing Disclosure for Sale of 6
Wellington Terrace, White Plains, NY 10607
Any redactions have been applied pursuant to the so-ordered Thirteenth Report and
Recommendation, NYSCEF Doc. Nos. 1075, 1083
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018
NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022
Closing Disclosure This form is a statement of final loan terms and closing costs. Compare this
document with your Loan Estima/e
CIO$ing lnrormation Transaction Information Loan Information
Oale lseued 05/22/2017 Borrowef'
Pamela N Goldstein Loan Term30 years
Closloo D.ato 05122/2017 142 MERCER AVE Purpos• Putchase
HARTSOALE, NY 10530-1923
DJsburaement Date
05/22/2017 Product F,xed Rate
S.ttlomont Agent Soll@r
l' rht,, Loan Type 8 conventional O FHA
Proper1y 6 W
o-,
OS
06
07
00
O?
C. Servk:ea Boff'Ower Old Shop For $4.788.12
Ot TI!lo-AII Endof•emenb
02 TI!le-CJosing/E&eroW
$15.00
$2.000.00
03 Titae-.Lendet's Polk:y $1,91â—„ 0C
CM Tllle-Patrio1 Act Search $105.00
05 Till&.Pre,:,are NY ACRIS S,44 62
0G TI!Se-$1,gn Face to Face
ssoo 00
$150.00
_ 07 Til!e-Tttle S.an:h
Loan Costs Subtotals (A• 8 + C) $5,783,&2 $S1◄,94
Other Costs
E. Tax•• •nd other GoY•mmont F••• .
Reeordino Fees Mortgage: $150.00
s•.991.915
02 Slate Ta,r S\amp.0eed
01 Deed: $190.00 S3â—„0.00
to New Yortit 52,548.00 I
to New York
03 State Tax St.amo• M�rLx T
I
S4.651.9S I I
F. Prepalda
C�lS1.114'.7S
S1,812.10
o, S1.3S4.00
mo,)
02 Mortgage tns.ur-11nce Premium (
Homeowners t11surance PteffnUm (12 mo,}
03 P,epaid lntentst (S4S 81 per day f,om C>S/22117 to 05/31117)S44158.10
04 P«>pe,ty Taxes-(
mo.)
05
G. tnlUat Escrow Payment 11t Cloalng $4,095.69
o, Hoffl♦OW
' n«'• lnsu,..�$112.83 �� ,nonthfor3 mo $338.49
02 Mor1gage lnsuranc::e per month '°' mo.
03 Ptoperty Toxoa S705 8â—„ por monthfor-4 $2.823 36
04 Sc.hoot Ptc:,petty Ta,c for7
S5•3.7◄ pc,r month $3.806.18
mo.
mo.
o•
06
07
08 Aoo,reg.ata Mfiustment - $2,872.3<
H. Othor $1,2815.00
lO Houht\an Lawrenc:e S15.925 00
to Houlthf:ln LU"NR:rnco
02 Re.al Est.ale. Comml$s1oOntS) $1!1.925 00
01 Real E11ate Comml11ionl8) I
OJ Tllle-Owne, PoHopUonal) $1.285.00 I
c.. I
05
07
00
I
oe
I. TOTAL OTHER COSTS (Borrower-Paid) $12,164.74
Other Costs S"blO\a.ls (I;+�• G • H) $10.810 7A $1,354 00 I I
J. TOTAL CLOSINGC0STS (Bo�Pald) $18,463.30
Closing Cos ts S ubto tals (D .. I) 36
SIG.594 I I
s, .aue 94 $j4 398 0C s1. 1e• 75
ClOSING OISCl.OSUAE • LOAN 10 # XX.X.XX.X204,1.Q08
727415917202
2017051915 3 2.3509-J20161220Y Borrower Only- 02/15
PACE 20F 5
V\bcters Klv"Ner Fkt.anc1al Serv,ces
CONFIDENTIAL P_00000214
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018
NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022
Calculating Cash t u Clo su Use this tabl o to soo what has c hana od from v our Loan Estimate.
Loan Eatlma.te Flnal D i d thla change?
TOtlll CIOslng Co,os (J) $28.341 YES
$18 .463 30 Other Costs (I)
• See Tot.al Lo:sn Costs (0) and Total
Clostno Cosls Paid Berore Clos,no so YES
- $1.868 94 • You paid these Closing Cos1.s t>ofore eioslng
C losing Costs Financed
(Qakl frot'l'I your Loan Amoono so so NO
Oown Payment/Funds from BoffO'Wer St91.1ool NO
$191 100 00
Oeposlt so -S9S.SOO OOYES • You lncro:ased th.is payment See Oepos,t In Socuon L
Funds for 80ff"OWM sol so NO
Soller Credits -$90 so YES • See Se.lier Cre.dJts in Section L
1
Adjustments and Odier c,ed.ts so 55 36000YE S • Soc dotads
1nSecUon• K and L
Cash lo Closo $219 361 $117 554 36
S ummarios o f Transactions Uso this tabto to soo a summ a ry o f your transaction.
BORROWER•s TRANSACTION SELLER•s TRANSACTION
K. ouo from BorTO~r at C toatng $659.454.36 M . Due to Seller at c roalng
01 Sale Price of Property $637.000.00 01 Sa.le Price of Propeny
02 SM Price of Any Personal Pl'Oporty lneluded in S ale 02 Sale Price of Any Personal P roperty tnduded in Sale
03 Closing Costs Paid at Closing (J) $16 594 36 03
04 04
Adjustments OS
0 County Taxes S5153 00 06
0 School Taxe& $707 00 07
09
Adjustments foT I tem a Paid b y Seller In Advance AdJusl mont.s f or Items Paid by Sollor I n Advanco
~ City/Town Taxos to o Ci!yn'own Taxes
OS' County Taxes to 10 County Taxes
10 Assessments to 1 Assossmonts
12
12
13 14
14 15
!5 18
L. Pald Already by or on Beha1f of Borrower at Ctoslng
$641,900.00 N . Duo from Seller at Closing
01 OeposU S9S500 00 01 Exc.oss Oepo&it
0~ Loan Amount o Closing costs PaKt at C
_ _lo_s_ing
~ (~J ~) - - - - - - - - - - - - - - - -
Oj Existing Loan(~) Asaumed or Taken Subiect to 0. E x ist.I~ Loan{s) Assumed or Taken Subject lo - - - - - - - - - - -
04 CM Payoff of Fi rst Mortgage Loan
O::;t Se.Uor Cre-dct OS Payoff of Second Mortgage Lo,an
Other Credits
°'0
""
07 o senor Credit
Adjustment.a
Property Cont Clot., ;.a.
Total Paid AJrcady by or on Behalf of Borrower at Clos ng ( L)
S541900 00 I Sof'Ylces
201705191S 3 2 3509-J20161220Y
727415917202 Bonow~, Onlt • 02/15
CON F l D E N T IAL P_00000215
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018
NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022
Additio n a l Information About This L o an
•S+i:1·@1+1'11¥-L-____________________________________________
Assu m ption Escr o w A ccount
If you sell or transfer this property to another person, your lender
F o r now, your foan
D 8
wiA allow. under certain condilions. this person to assume this
WIii have an escrow account ( also called an ·impouncr or "'I rust'"
roan on l he ortginal terms account) to pay l he property costs listed below. Without an escrow
IE wiH not allow assumption of th.is l oan on lhe «iglnal termsaccount. you would pay them directty, posslbly fn one or two l arge
payments a year Your lender m a y be hable for penalties and mterest
Doman d Foaturo for falhng to mak e a payment.
vovr toan
D Escrow
has a demand feature. W"hich pennils vour lender t o require ear1y
repayment of the l oan You should rev,ew your note for details.
Escrowed Estimatect total amount over yeer 1 for
$16,348.92
(8) does not have a demand fe a ture. Property Coats your es.crowed property costs:
over Year 1
Lato Paymont C,ty Tar , School Ois.tricl Tcu, Hezal'd/Home
;1;:~~ri~~t:<;:~J?~t~!~td~r~:·:s:e';~'3.e Of 5% of the overdue Owners Insurance
Non•Eacrowed S0.00Est;mated total amount over year 1 fo.r
Property Costs
~~~=:';~::~~::a~~~y~~rease m Loan Amo1Jnl)
over Ye.a, 1
your non-escrowed propeny cos.ts:
0
~.~:e~~du~!r~:~~.'%n!~~r;,r.~~~:~~~~tad~~~t~Yi ~~~~!!~:
(negatively amortlz.e) , and your loan amount will likely become larger
than your original l oan amounl. Increases In your loan amount tower You may have other p-.-rty costs.
l he equily you have in this property. fniUal Escrow $4,095.69
A cushion lex lhe escrow account you
Payment pay at do.sing. See Section G on page 2.
D may have monthly/cayments thal do not pay att of the interest due
~h~:n~;~~a~J.0:s a rJ':'~L ·~~~ra~~u~~~'~r~::sb~~~:\i;;ir
0 M onthly Es.crow
Payment
than your original k>an amount Increases in your loan amount lower
The a .mount Included In your total
S 1,362.41
monthly payment
the equil y you have m this property.
D D you deciined it D
will not have an escrow account because your
181do not have a negative amortizallon fealu re.
Partial Paymonts
Your lender
~r~::~~oceisrs~•;::ciu:: 1
r:x~~e!iJ~~o~o~~~i[::;tfa~~~-Y~g~tact
your lender to ask If your loan can have an escrow account.
D may accept payments that are Jess than the full amount due No ESCt'O'N
(partial payments) and apply them to your loan.
Estimated EsUm:ated total amount over yea.r 1 You
D ~a;;.,~~f ':i:l~~A3 :;&,~r~: ~o:0 ~~Yo'!1;. rest of 100
ru1~~~:.,,~~:1 1 Property Costs
over Year 1
must pay these costs dtrceUy, possibly
in one o, two lo,go payments a year
181does not accept any partial paymenls. Escrow waiver Fee
If thls toan is sold. your new lender may have a different policy.
Socurlty Interest In tho fu t uro,
~~:,~;:,3r:;·}~,:. ~~:)'l,,~~~~l:JV",0601-1,1s
0 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 ii you do, you must pay your property costs directly. If you fail
to pay your property taxes. your state or locaJ government may (1)
impose Ones and penallles or (2) place a tax lien on lh,s p,operty II
you fail to pay any or your property cos ls. your lender may ( 1) add
Che amounts to your loan balance. (2) add an escrow account to your
k>an, or (3) require you to pay ror property insurance that the lender
You may lose this property ii you do not make your payments or
buys on your behalf, which likely would cost more and provide fewer
satisfy other obltgations ror this loan. benefils than what you cou~d buy on your own
CLOSING D ISCLOSURE PAGE 4 OF 5 • LOAN 10 # XXXXXX2044-008
V\blters Kluwer Financial SerVtces
20170519 15 3.2 3S09·J20161220Y
727415917202 Bo,rowe-r Only - 02/15
CO N Fl DE N T IAL P_00 0 002 16
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018
NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022
Loan Calculations
8-0W·MHi'H -------------- •
App,olso,
Total of Poymonta. Total you vvlll have paid aft4;rr
YO\J make all paymenrs or principal. inlerest. '°'
your loan, your lender is required to
If lhe property was appraised
ve you� copy at no add�ion3I coot ol (oaat 3 dey:.. before elo$1ng.
$750,165 96
mortgage lnsuraneo. ;;and loan costc, as 1;chcdvlGd. w e ved it, please contacty our lender a t the
info����� �
r,�
t �1g:�
t loan will
Finance Charge. The dollar amount he Contract DotaUs
cos t you. $301,262.02 Sec your nole and securHy 1ns1rurnent tor intocmarlon aDOUI
• wtiat happens i f you fail to make your paymen ts .
Amount Ftnanced. The fOan amount ava ilable afler • what Is a <1etau1t o n t ne roan,
payingyour vpfron t finance charge. $442,147.28 • sUuaUons in wh ieh your lender can require eatty repaymen t of the
Joan. and
• the rules for making payments before they are due
Annuot Por�nl4go Rot• (APR). Your eosls ov�r
the loan '8-rm e>cpressed as a rate . This 1s not your LlabUtty aftor Foreclosuri,
inte rest ra1e. 3811% If yourlender foredoses on this. p
Preview
FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018 NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022 HOULIHAN LAWRENCE MOTION TO AMEND CLASS DEFINITION EXHIBIT 6 HUD-1 Closing Disclosure for Sale of 6 Wellington Terrace, White Plains, NY 10607 Any redactions have been applied pursuant to the so-ordered Thirteenth Report and Recommendation, NYSCEF Doc. Nos. 1075, 1083 FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018 NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022 Closing Disclosure This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estima/e CIO$ing lnrormation Transaction Information Loan Information Oale lseued 05/22/2017 Borrowef' Pamela N Goldstein Loan Term30 years Closloo D.ato 05122/2017 142 MERCER AVE Purpos• Putchase HARTSOALE, NY 10530-1923 DJsburaement Date 05/22/2017 Product F,xed Rate S.ttlomont Agent Soll@r l' rht,, Loan Type 8 conventional O FHA Proper1y 6 W o-, OS 06 07 00 O? C. Servk:ea Boff'Ower Old Shop For $4.788.12 Ot TI!lo-AII Endof•emenb 02 TI!le-CJosing/E&eroW $15.00 $2.000.00 03 Titae-.Lendet's Polk:y $1,91◄ 0C CM Tllle-Patrio1 Act Search $105.00 05 Till&.Pre,:,are NY ACRIS S,44 62 0G TI!Se-$1,gn Face to Face ssoo 00 $150.00 _ 07 Til!e-Tttle S.an:h Loan Costs Subtotals (A• 8 + C) $5,783,&2 $S1◄,94 Other Costs E. Tax•• •nd other GoY•mmont F••• . Reeordino Fees Mortgage: $150.00 s•.991.915 02 Slate Ta,r S\amp.0eed 01 Deed: $190.00 S3◄0.00 to New Yortit 52,548.00 I to New York 03 State Tax St.amo• M�rLx T I S4.651.9S I I F. Prepalda C�lS1.114'.7S S1,812.10 o, S1.3S4.00 mo,) 02 Mortgage tns.ur-11nce Premium ( Homeowners t11surance PteffnUm (12 mo,} 03 P,epaid lntentst (S4S 81 per day f,om C>S/22117 to 05/31117)S44158.10 04 P«>pe,ty Taxes-( mo.) 05 G. tnlUat Escrow Payment 11t Cloalng $4,095.69 o, Hoffl♦OW ' n«'• lnsu,..�$112.83 �� ,nonthfor3 mo $338.49 02 Mor1gage lnsuranc::e per month '°' mo. 03 Ptoperty Toxoa S705 8◄ por monthfor-4 $2.823 36 04 Sc.hoot Ptc:,petty Ta,c for7 S5•3.7◄ pc,r month $3.806.18 mo. mo. o• 06 07 08 Aoo,reg.ata Mfiustment - $2,872.3< H. Othor $1,2815.00 lO Houht\an Lawrenc:e S15.925 00 to Houlthf:ln LU"NR:rnco 02 Re.al Est.ale. Comml$s1oOntS) $1!1.925 00 01 Real E11ate Comml11ionl8) I OJ Tllle-Owne, PoHopUonal) $1.285.00 I c.. I 05 07 00 I oe I. TOTAL OTHER COSTS (Borrower-Paid) $12,164.74 Other Costs S"blO\a.ls (I;+�• G • H) $10.810 7A $1,354 00 I I J. TOTAL CLOSINGC0STS (Bo�Pald) $18,463.30 Closing Cos ts S ubto tals (D .. I) 36 SIG.594 I I s, .aue 94 $j4 398 0C s1. 1e• 75 ClOSING OISCl.OSUAE • LOAN 10 # XX.X.XX.X204,1.Q08 727415917202 2017051915 3 2.3509-J20161220Y Borrower Only- 02/15 PACE 20F 5 V\bcters Klv"Ner Fkt.anc1al Serv,ces CONFIDENTIAL P_00000214 FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018 NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022 Calculating Cash t u Clo su Use this tabl o to soo what has c hana od from v our Loan Estimate. Loan Eatlma.te Flnal D i d thla change? TOtlll CIOslng Co,os (J) $28.341 YES $18 .463 30 Other Costs (I) • See Tot.al Lo:sn Costs (0) and Total Clostno Cosls Paid Berore Clos,no so YES - $1.868 94 • You paid these Closing Cos1.s t>ofore eioslng C losing Costs Financed (Qakl frot'l'I your Loan Amoono so so NO Oown Payment/Funds from BoffO'Wer St91.1ool NO $191 100 00 Oeposlt so -S9S.SOO OOYES • You lncro:ased th.is payment See Oepos,t In Socuon L Funds for 80ff"OWM sol so NO Soller Credits -$90 so YES • See Se.lier Cre.dJts in Section L 1 Adjustments and Odier c,ed.ts so 55 36000YE S • Soc dotads 1nSecUon• K and L Cash lo Closo $219 361 $117 554 36 S ummarios o f Transactions Uso this tabto to soo a summ a ry o f your transaction. BORROWER•s TRANSACTION SELLER•s TRANSACTION K. ouo from BorTO~r at C toatng $659.454.36 M . Due to Seller at c roalng 01 Sale Price of Property $637.000.00 01 Sa.le Price of Propeny 02 SM Price of Any Personal Pl'Oporty lneluded in S ale 02 Sale Price of Any Personal P roperty tnduded in Sale 03 Closing Costs Paid at Closing (J) $16 594 36 03 04 04 Adjustments OS 0 County Taxes S5153 00 06 0 School Taxe& $707 00 07 09 Adjustments foT I tem a Paid b y Seller In Advance AdJusl mont.s f or Items Paid by Sollor I n Advanco ~ City/Town Taxos to o Ci!yn'own Taxes OS' County Taxes to 10 County Taxes 10 Assessments to 1 Assossmonts 12 12 13 14 14 15 !5 18 L. Pald Already by or on Beha1f of Borrower at Ctoslng $641,900.00 N . Duo from Seller at Closing 01 OeposU S9S500 00 01 Exc.oss Oepo&it 0~ Loan Amount o Closing costs PaKt at C _ _lo_s_ing ~ (~J ~) - - - - - - - - - - - - - - - - Oj Existing Loan(~) Asaumed or Taken Subiect to 0. E x ist.I~ Loan{s) Assumed or Taken Subject lo - - - - - - - - - - - 04 CM Payoff of Fi rst Mortgage Loan O::;t Se.Uor Cre-dct OS Payoff of Second Mortgage Lo,an Other Credits °'0 "" 07 o senor Credit Adjustment.a Property Cont Clot., ;.a. Total Paid AJrcady by or on Behalf of Borrower at Clos ng ( L) S541900 00 I Sof'Ylces 201705191S 3 2 3509-J20161220Y 727415917202 Bonow~, Onlt • 02/15 CON F l D E N T IAL P_00000215 FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018 NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022 Additio n a l Information About This L o an •S+i:1·@1+1'11¥-L-____________________________________________ Assu m ption Escr o w A ccount If you sell or transfer this property to another person, your lender F o r now, your foan D 8 wiA allow. under certain condilions. this person to assume this WIii have an escrow account ( also called an ·impouncr or "'I rust'" roan on l he ortginal terms account) to pay l he property costs listed below. Without an escrow IE wiH not allow assumption of th.is l oan on lhe «iglnal termsaccount. you would pay them directty, posslbly fn one or two l arge payments a year Your lender m a y be hable for penalties and mterest Doman d Foaturo for falhng to mak e a payment. vovr toan D Escrow has a demand feature. W"hich pennils vour lender t o require ear1y repayment of the l oan You should rev,ew your note for details. Escrowed Estimatect total amount over yeer 1 for $16,348.92 (8) does not have a demand fe a ture. Property Coats your es.crowed property costs: over Year 1 Lato Paymont C,ty Tar , School Ois.tricl Tcu, Hezal'd/Home ;1;:~~ri~~t:<;:~J?~t~!~td~r~:·:s:e';~'3.e Of 5% of the overdue Owners Insurance Non•Eacrowed S0.00Est;mated total amount over year 1 fo.r Property Costs ~~~=:';~::~~::a~~~y~~rease m Loan Amo1Jnl) over Ye.a, 1 your non-escrowed propeny cos.ts: 0 ~.~:e~~du~!r~:~~.'%n!~~r;,r.~~~:~~~~tad~~~t~Yi ~~~~!!~: (negatively amortlz.e) , and your loan amount will likely become larger than your original l oan amounl. Increases In your loan amount tower You may have other p-.-rty costs. l he equily you have in this property. fniUal Escrow $4,095.69 A cushion lex lhe escrow account you Payment pay at do.sing. See Section G on page 2. D may have monthly/cayments thal do not pay att of the interest due ~h~:n~;~~a~J.0:s a rJ':'~L ·~~~ra~~u~~~'~r~::sb~~~:\i;;ir 0 M onthly Es.crow Payment than your original k>an amount Increases in your loan amount lower The a .mount Included In your total S 1,362.41 monthly payment the equil y you have m this property. D D you deciined it D will not have an escrow account because your 181do not have a negative amortizallon fealu re. Partial Paymonts Your lender ~r~::~~oceisrs~•;::ciu:: 1 r:x~~e!iJ~~o~o~~~i[::;tfa~~~-Y~g~tact your lender to ask If your loan can have an escrow account. D may accept payments that are Jess than the full amount due No ESCt'O'N (partial payments) and apply them to your loan. Estimated EsUm:ated total amount over yea.r 1 You D ~a;;.,~~f ':i:l~~A3 :;&,~r~: ~o:0 ~~Yo'!1;. rest of 100 ru1~~~:.,,~~:1 1 Property Costs over Year 1 must pay these costs dtrceUy, possibly in one o, two lo,go payments a year 181does not accept any partial paymenls. Escrow waiver Fee If thls toan is sold. your new lender may have a different policy. Socurlty Interest In tho fu t uro, ~~:,~;:,3r:;·}~,:. ~~:)'l,,~~~~l:JV",0601-1,1s 0 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 ii you do, you must pay your property costs directly. If you fail to pay your property taxes. your state or locaJ government may (1) impose Ones and penallles or (2) place a tax lien on lh,s p,operty II you fail to pay any or your property cos ls. your lender may ( 1) add Che amounts to your loan balance. (2) add an escrow account to your k>an, or (3) require you to pay ror property insurance that the lender You may lose this property ii you do not make your payments or buys on your behalf, which likely would cost more and provide fewer satisfy other obltgations ror this loan. benefils than what you cou~d buy on your own CLOSING D ISCLOSURE PAGE 4 OF 5 • LOAN 10 # XXXXXX2044-008 V\blters Kluwer Financial SerVtces 20170519 15 3.2 3S09·J20161220Y 727415917202 Bo,rowe-r Only - 02/15 CO N Fl DE N T IAL P_00 0 002 16 FILED: WESTCHESTER COUNTY CLERK 04/28/2022 11:44 AM INDEX NO. 60767/2018 NYSCEF DOC. NO. 1301 RECEIVED NYSCEF: 04/28/2022 Loan Calculations 8-0W·MHi'H -------------- • App,olso, Total of Poymonta. Total you vvlll have paid aft4;rr YO\J make all paymenrs or principal. inlerest. '°' your loan, your lender is required to If lhe property was appraised ve you� copy at no add�ion3I coot ol (oaat 3 dey:.. before elo$1ng. $750,165 96 mortgage lnsuraneo. ;;and loan costc, as 1;chcdvlGd. w e ved it, please contacty our lender a t the info����� � r,� t �1g:� t loan will Finance Charge. The dollar amount he Contract DotaUs cos t you. $301,262.02 Sec your nole and securHy 1ns1rurnent tor intocmarlon aDOUI • wtiat happens i f you fail to make your paymen ts . Amount Ftnanced. The fOan amount ava ilable afler • what Is a <1etau1t o n t ne roan, payingyour vpfron t finance charge. $442,147.28 • sUuaUons in wh ieh your lender can require eatty repaymen t of the Joan. and • the rules for making payments before they are due Annuot Por�nl4go Rot• (APR). Your eosls ov�r the loan '8-rm e>cpressed as a rate . This 1s not your LlabUtty aftor Foreclosuri, inte rest ra1e. 3811% If yourlender foredoses on this. p