Uniform Residential Loan Application

This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower," as
applicable. Co-Borrower information must also be provided (and the appropriate box checked) when [ ] the income or assets of a person other than the Borrower (including
the Borrower's spouse) will be used as a basis for loan qualification or [ ] the income or assets of the Borrower's spouse or other person who has community property rights
pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property
rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying
on other property located in a community property state as a basis for repayment of the loan.
If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
_____________________________________________ _____________________________________________
Borrower Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN
Mortgage [ ] VA [X] Conventional [ ] Other (explain): Agency Case Number Lender Case Number
Applied for: [ ] FHA [ ] USDA/Rural
Housing Service 1010056452
Amount Interest Rate No. of Months Amortization Type: [X] Fixed Rate [ ] OTHER (explain):
$204,500.00 3.125% 216 [ ] GPM [ ] ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Subject Property Address (street, city, state & ZIP) No. of Units
11368 Bayhill Way, Indianapolis, Indiana 46236 1
Legal Description of Subject Property (attach description if necessary) Year Built
Purpose of Loan [ ] Purchase [ ] Construction [ ] Other (explain): Property will be:
[X] Primary Residence [ ] Secondary Residence [ ] Investment
[X] Refinance [ ] Construction-Permanent
Complete this line if construction or construction-permanent loan.
Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a + b)
Acquired
$ $ $ $ $
Complete this line if this is a refinance loan.
Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements [ ] made [ ] to be made
Acquired $300,000.00 $202,399.00 Cash Out Limited Cost: $
2012
Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:
Laurence D Baker Sole [X] Fee Simple
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) [ ] Leasehold
(show expiration date)
REFI/EQUITY

Borrower III. BORROWER INFORMATION Co-Borrower

Borrower's Name (include Jr. or Sr. if applicable) Co-Borrower's Name (include Jr. or Sr. if applicable)
Laurence D Baker
Social Security Number Home Phone DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone DOB (mm/dd/yyyy) Yrs. School
158-44-6831 (incl. area code) 06/22/1956 14 (incl. area code)
317-523-3120
[X] Married [ ] Unmarried (include Dependents (not listed by Co-Borrower) [ ] Married [ ] Unmarried (include Dependents (not listed by Borrower)
[ ] Separated single, divorced, [ ] Separated single, divorced,
widowed) no. 0 ages widowed) no. ages
Present Address (street, city, state, ZIP) [X] Own [ ] Rent 7 Yrs. 4 Mos. Present Address (street, city, state, ZIP) [ ] Own [ ] Rent No. Yrs ____
11368 Bayhill Way, Indianapolis, Indiana 46236
Mailing Address, if different from Present Address Mailing Address, if different from Present Address
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP) [ ] Own [ ] Rent No. Yrs ____ Former Address (street, city, state, ZIP) [ ] Own [ ] Rent No. Yrs ____

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Name & Address of Employer [ ] Self Employed Yrs. on this job Name & Address of Employer [ ] Self Employed Yrs. on this job
Office Depot 3 Yrs 5 Mos.
6600 N Military Trail Yrs. employed in this Yrs. employed in this
line of work/profession line of work/profession
Boca Raton, Florida 33496
34.00
Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code)
Major Acct Business Devel

Uniform Residential Loan Application

Freddie Mac Form 65 7/05 (rev. 6/09) Page 1 Fannie Mae Form 1003 7/05 (rev. 6/09)
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 Borrower IV. EMPLOYMENT INFORMATION Cont’d Co-Borrower
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name & Address of Employer [ ] Self Employed Dates (from – to) Name & Address of Employer [ ] Self Employed Dates (from – to)
Monthly Income Monthly Income
$ $
Position/Title/Type of Business Business Phone Position/Title/Type of Business Business Phone
(incl. area code) (incl. area code)
Name & Address of Employer [ ] Self Employed Dates (from – to) Name & Address of Employer [ ] Self Employed Dates (from – to)
Monthly Income Monthly Income
$ $
Position/Title/Type of Business Business Phone Position/Title/Type of Business Business Phone
(incl. area code) (incl. area code)

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Combined Monthly
Monthly Income Borrower Co-Borrower Total Housing Expense Present Proposed
Base Empl. Income* $ 6,250.00 $ $ 6,250.00 Rent $
Overtime First Mortgage (P&I) 1,656.00 $ 1,239.07
Bonuses Other Financing (P&I)

Commissions Hazard Insurance 125.00

Dividends/Interest Real Estate Taxes 333.00
Net Rental Income Mortgage Insurance
Other (before Homeowner Assn. Dues 71.00 71.00
completing, see the
notice in "describe other
income," below) Other:

Total $ 6,250.00 $ $ 6,250.00 Total $ 1,727.00 $ 1,768.07

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for
repaying this loan.
B/C Monthly Amount

VI. ASSETS AND LIABILITIES

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently
joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower
section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also.
Completed [ ] Jointly [X] Not Jointly
ASSETS Cash or Liabilities and Pledged Assets. List the creditor's name, address, and account number for all outstanding
Market Value debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock
Description pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities, which will be satisfied upon
Cash deposit toward $ sale of real estate owned or upon refinancing of the subject property.
purchase held by:
LIABILITIES Monthly Payment & Unpaid Balance
List checking and savings accounts below Months Left to Pay
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 73,300.00
Forum CALIBER *escrowed* 742.00/
, ,
Acct. no. 30708377 $ 891.77 Acct. no. 9801201428
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 202,399.00*
PNC MORTGAGE 1,656.00/
, *
Acct. no. $ Acct. no. 4331000120016
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 18,441.00
FORUM CU AUTO 369.00/50
POB 50328
FISHERS, Indiana 46038
Acct. no. $ Acct. no. 8025878409

Uniform Residential Loan Application

Freddie Mac Form 65 7/05 (rev. 6/09) Page 2 Fannie Mae Form 1003 7/05 (rev. 6/09)
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 VI. ASSETS AND LIABILITIES Cont’d
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $ 1,948.00
SYNCB/LOW 28.00/70
PO BOX 956005
ORLANDO, Florida 32896
Acct. no. $ Acct. no. 0570
Stocks & Bonds (Company name/ $ Name and address of Company $ Payment/Months $ 2,682.00
number & description) SYNCB/VALUEC 94.00/29
C/O PO BOX 965036
ORLANDO, Florida 32896

Acct. no. 0436

Life insurance net cash value $ Name and address of Company $ Payment/Months $
Face amount: $

Subtotal Liquid Assets $ 891.77

Real estate owned (enter market $ 675,000.00
value from schedule of real estate
owned)
Vested interest in retirement fund $
Net worth of business(es) owned $
(attach financial statement) Acct. no.
Automobiles owned (make and $ Alimony/Child Support/Separate $
year) Maintenance Payments Owed to:

Other Assets (itemize) $ Job-Related Expense (child care, union dues, $

etc.)

Total Monthly Payments $ 1,233.00

Total Assets a. $ 675,891.77 $ 579,520.77 Total Liabilities b. $ 96,371.00
Net Worth
►
(a minus b)

Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Property Address (enter S if sold, PS if pending Amount Insurance,
Present Gross Mortgage Net Rental
sale or R if rental being held for income) Type of Property of Mortgages Maintenance,
Market Value Rental Income Payments Income
▼ & Liens Taxes & Misc.
11028 Palatka R Single Family $ 175,000.00 $ 73,300.00 $ $ 742.00 $ $ -100.00
Indianapolis, IN 46236
11368 Bayhill Way $ 500,000.00 $ 202,399.00 $ $ 1,656.00 $ 862.33 $
Indianapolis, IN 46236
$ $ $ $ $ $

Totals $ 675,000.00 $ 275,699.00 $ $ 2,398.00 $ 862.33 $ -100.00

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name Creditor Name Account Number

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

a. Purchase price $ If you answer "Yes" to any questions a through i, please use continuation Borrower Co-Borrower
sheet for explanation.
b. Alterations, improvements, repairs Yes No Yes No
c. Land (if acquired separately) a. Are there any outstanding judgments against you? [ ] [X] [ ] [ ]
d. Refinance (incl. debts to be paid off) 202,399.00 b. Have you been declared bankrupt within the past 7 years? [ ] [X] [ ] [ ]
c. Have you had property foreclosed upon or given title or deed in lieu thereof in [ ] [X] [ ] [ ]
e. Estimated prepaid items 106.51 the last 7 years?

f. Estimated closing costs 2,148.15 d. Are you a party to a lawsuit? [ ] [X] [ ] [ ]

e. Have you directly or indirectly been obligated on any loan which resulted in [ ] [X] [ ] [ ]
g. PMI, MIP, Funding Fee foreclosure, transfer of title in lieu of foreclosure, or judgment?
(This would include such loans as home mortgage loans, SBA loans, home
h. Discount (if Borrower will pay) improvement loans, educational loans, manufactured (mobile) home loans, any
mortgage, financial obligation, bond, or loan guarantee. If "Yes," provide details,
including date, name, and address of Lender, FHA or VA case number, if any, and
i. Total costs (add items a through h) 204,653.66 reasons for the action.)

Uniform Residential Loan Application

Freddie Mac Form 65 7/05 (rev. 6/09) Page 3 Fannie Mae Form 1003 7/05 (rev. 6/09)
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 VII. DETAILS OF TRANSACTION Cont’d VIII. DECLARATIONS Cont’d
Borrower Co-Borrower
j. Subordinate financing If you answer "Yes" to any questions a through i, please use continuation
Yes No Yes No
sheet for explanation.

k. Borrower's closing costs paid by f. Are you presently delinquent or in default on any Federal debt or any other [ ] [X] [ ] [ ]
Seller loan, mortgage, financial obligation, bond, or loan guarantee?
If "Yes," give details as described in the preceding question.
l. Other Credits (explain) g. Are you obligated to pay alimony, child support, or separate maintenance? [ ] [X] [ ] [ ]
Lender Credit 511.25

m. Loan amount (exclude PMI, MIP, h. Is any part of the down payment borrowed? [ ] [X] [ ] [ ]
Funding Fee financed) 204,500.00
n. PMI, MIP, Funding Fee financed i. Are you a co-maker or endorser on a note? [ ] [X] [ ] [ ]
o. Loan amount (add m & n) 204,500.00 j. Are you a U.S. citizen? [X] [ ] [ ] [ ]
p. Cash from/to Borrower (subtract j, k, l -357.59 k. Are you a permanent resident alien? [ ] [X] [ ] [ ]
& o from i)
l. Do you intend to occupy the property as your primary residence? [X] [ ] [ ] [ ]
If "Yes," complete question m below.
m. Have you had an ownership interest in a property in the last three years? [X] [ ]
(1) What type of property did you own—principal residence (PR),
second home (SH), or investment property (IP)? PR
(2) How did you hold title to the home—solely by yourself (S), jointly
with your spouse (SP), or jointly with another person (O)? S
IX. ACKNOWLEDGEMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and
acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this
information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on
this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested
pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or
use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its
servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers,
successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the
material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns
may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of
the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns
has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record"
containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a
facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or
obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature Date

X·_____________________________________________ X_____________________________________________
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and
home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information,
or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or
sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the

Intentionally Left Blank

information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the
particular type of loan applied for.)
BORROWER CO-BORROWER
Ethnicity: Ethnicity:
Race: Race:
Sex: Sex:
To be Completed by Loan Originator
This application was taken by:
Loan Originator's Signature Date
X ____________________________________________________
Ø

August 22, 2019

Loan Originator's Name (print or type) Loan Originator Identifier Loan Originator's Phone Number (including area code)
Jamie Losh 555765 317-558-6419
Loan Origination Company's Name Loan Origination Company Identifier Loan Origination Company's Address
FORUM Credit Union 469848 P.O. Box 6060
Fishers, Indiana 46038

Uniform Residential Loan Application

Freddie Mac Form 65 7/05 (rev. 6/09) Page 4 Fannie Mae Form 1003 7/05 (rev. 6/09)
aapl10034
º
 CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Use this continuation sheet if Borrower: Agency Case Number:
you need more space to Laurence D Baker
complete the Residential Loan Co-Borrower: Lender Case Number:
Application. Mark B for 1010056452
Borrower or C for Co-Borrower.

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above
facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.
Borrower's Signature Date Co-Borrower's Signature Date
X·_____________________________________________ X_____________________________________________
Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev. 6/09) Page 5 Fannie Mae Form 1003 7/05 (rev. 6/09)
aapl10035
º
Demographic Information Addendum. This section asks about your ethnicity, sex, and race.

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities
and neighborhoods 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 to provide this information, but are encouraged to do so. You may select one or more designations for
“Ethnicity” and one or more designations for “Race.” The law 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 provide the information and you have made this application in person,
Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation 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 more Race: Check one or more
[ ] Hispanic or Latino [ ] American Indian or Alaska Native – Print name of enrolled
[ ] Mexican [ ] Puerto Rican [ ] Cuban or principal tribe: ______________________________________
[ ] Other Hispanic or Latino – Print origin: [ ] Asian
___________________________________________ [ ] Asian Indian [ ] Chinese [ ] Filipino
For example: Argentinean, Colombian, Dominican, Nicaraguan, [ ] Japanese [ ] Korean [ ] Vietnamese
Salvadoran, Spaniard, and so on. [ ] Other Asian – Print Race: ____________________________
[ ] Not Hispanic or Latino For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
[X] I do not wish to provide this information [ ] Black or African American
Sex [ ] Native Hawaiian or Other Pacific Islander
[ ] Female [ ] Native Hawaiian [ ] Guamanian or Chamorro [ ] Samoan
[ ] Male [ ] Other Pacific Islander – Print Race:
[X] I do not wish to provide this information _____________________________________________
For example: Fijian, Tongan, and so on.
[ ] White
[X] I 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 ( ) YES
Was the sex of the Borrower collected on the basis of visual observation or surname? ( ) NO ( ) YES
Was 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 (X) Email or Internet

Borrower Name: Laurence Baker

Uniform Residential Loan Application
Freddie Mac Form 65 • Fannie Mae Form 1003
Revised 09/2017
aaplhmda
º
 NOTICE REQUIRED UNDER THE FAIR CREDIT REPORTING ACT
In compliance with the Fair Credit Reporting Act, we are informing you that an investigative report will be made. We
are also informing you that you have the right to make a written request, within a reasonable period of time after you
receive this notice, for an additional disclosure of the nature and scope of the investigation requested. To save you the
trouble of writing, we are furnishing this additional information as follows:

The nature and scope of the investigation requested may include information obtained through personal interviews
concerning residence, verification, the number of dependents, employment, occupation, general health, habits reputation
and mode of living.

NOTICE UNDER THE EQUAL CREDIT OPPORTUNITY ACT

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis
of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a
binding contract), because all or part of the applicant's income derives from any public assistance program, or because
the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that
administers compliance with this law concerning a creditor is the Federal Trade Commission, Equal Credit Opportunity,
Washington, D.C. 20580, (202) 724-1140.

You as a borrower, have the following rights when answering questions:

You do not have to reveal any information regarding courtesy titles, that is you do not have to state whether you are
Miss, Mr., Mrs., or Ms. Your first name and surname, (whether birth given, obtained through marriage, or a combined
surname) is sufficient.

You do not have to reveal any information regarding the receipt of alimony, child support, or separate maintenance
income if you do not choose to have it considered as a basis for repaying this loan.

When answering questions pertaining to marriage, you need only reveal whether you are married, separated, or
unmarried. (Unmarried includes single, divorced, or widowed.)

Certain information regarding your race/national origin and sex will be asked. This information is requested by the
Federal Government in order to monitor compliance with Federal anti-discrimination statutes, which prohibit from
discriminating against applicants for these reasons. You do not have to give this information. It is voluntary. If you choose
not to furnish this information, you must initial the application in the space provided. Your decision will in no way affect the
approval or rejection of your application.

You have the right to a copy of the appraisal report used in connection with your application for credit. If you would
like a copy, please write to us at the address we have provided. We must hear from you no later than 90 days after we
notify you about the action taken on your credit application or you withdraw your application.

ACKNOWLEDGMENT
I do hereby certify that I have read and do understand the Notices set forth above, and that I have been notified of my
rights by the Lender.

·_______________________________________________________________
Borrower Laurence D Baker Date

fcrnfcra Page 1 of 1
 Homeownership Counseling Disclosure
12 CFR §1024.20(a)

FORUM Credit Union

P.O. Box 6060, Fishers, Indiana 46038

Borrower(s): Laurence D Baker

Address: 11368 Bayhill Way, Indianapolis, Indiana 46236
Loan Number: 1010056452

Date: 08/28/2019

The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD), and they can
offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and
circumstances, often at little or no cost to you. This list shows you several approved agencies in your area. You can find other
approved counseling agencies at the Consumer Financial Protection Bureau’s (CFPB) website: consumerfinance.gov/mortgagehelp or
by calling 1-855-411-CFPB (2372). You can also access a list of nationwide HUD approved counseling intermediaries at
https://www.hudexchange.info/programs/housing-counseling/.

Indianapolis Neighborhood Housing Partnership Homeownership Center at Glendale

2620 Kessler Blvd. E. Drive, Suite 230
INDIANAPOLIS, IN 46220-2890
Phone: 317-610-4663
Email: ljones@inhp.org
Web Site: www.inhp.org
Services: Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
Languages: English

Martindale Brightwood Community Development Corporation (mbcdc)

2855 N. Keystone Ave. #130
INDIANAPOLIS, IN 46218-2790
Phone: 317-924-8042
Email: ktoran@mbcdc.org
Web Site: http://www.mbcdc.org
Services: Mortgage Delinquency and Default Resolution Counse
Languages: English

the John Boner Neighborhood Center

2236 East 10th Street
INDIANAPOLIS, IN 46201-2006
Phone: 317-633-8210
Email: djohns@jbncenters.org
Web Site: www.jbncenters.org
Services:
Languages: English

Page 1 of 3
Homeownership Counseling Disclosure
usahmcns
 Homeownership Counseling Disclosure (continued)
Indianapolis Neighborhood Housing Partnership - East
2236 East 10th Street
INDIANAPOLIS, IN 46201-2006
Phone: 317-633-8210-2316
Email: ljones@inhp.org
Web Site: www.inhp.org
Services: Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
Languages: English

Indianapolis Neighborhood Housing Partnership

3550 Washington Blvd
Indianapolis, IN 46205-3719
Phone: 317-610-4663
Email: N/A
Web Site: http://www.inhp.org
Services: Financial Management/Budget Counseling, Financial, Budgeting and Credit Repair Workshops, Pre-purchase Counseling,
Pre-purchase Homebuyer Education Workshops
Languages: English, Spanish

Neighborhood Christian Legal Clinic

3333 N. Meridian Street, Suite 201
INDIANAPOLIS, IN 46208-4647
Phone: 317-429-4131
Email: challer@nclegalclinic.org
Web Site: http://www.nclegalclinic.org
Services: Mortgage Delinquency and Default Resolution Counseling, Resolving/Preventing Mortgage Delinquency Workshop,
Financial, Budgeting and Credit Repair Workshops, Non-Delinquency Post Purchase Workshops
Languages: English, Spanish

Indiana Housing and Community Development Authority

30 South Meridian Street, Ste 900
INDIANAPOLIS, IN 46204-3566
Phone: 317-232-7777
Email: MNeyland@ihcda.IN.gov
Web Site: https://www.in.gov/ihcda
Services: Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Fair Housing Pre-
Purchase Education Workshops, Services for Homeless Counseling, Non-Delinquency Post Purchase Workshops, Pre-purchase
Counseling, Pre-purchase Homebuyer Education Workshops, Rental Housing Counseling, Rental Housing Workshops
Languages: English

Indianapolis Neighborhood Housing Partnership - South

4039 Otterbein Ave.
INDIANAPOLIS, IN 46227-3618
Phone: 317-602-3613
Email: ljones@inhp.org
Web Site: www.inhjp.org
Services: Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
Languages: English

Page 2 of 3
 Homeownership Counseling Disclosure (continued)
Apprisen - Cccs of Central Ohio - Indianapolis Office
3725 E. Southport Rd, Ste E
INDIANAPOLIS, IN 46227-7829
Phone: 800-355-2227
Email: info@apprisen.com
Web Site: www.apprisen.com
Services: Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Pre-purchase
Counseling, Rental Housing Counseling
Languages: English

Pathstone (formerly Rural Opportunities, Inc.)

420 S High St Ste 101
Muncie, IN 47305-4206
Phone: 765-286-2162
Email: callen@pathstone.org
Web Site: www.pathstone.org
Services: Mortgage Delinquency and Default Resolution Counseling, Fair Housing Pre-Purchase Education Workshops, Non-
Delinquency Post Purchase Workshops, Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
Languages: English

By signing below, I acknowledge receipt of a copy of this disclosure.

·_______________________________________________________________
Borrower Laurence D Baker Date

Page 3 of 3
 Maximizing Conventional Refinance Benefits
The following bullet points provide important cost savings and loan processing
information concerning your conventional refinance. Loan No.: 1010056452

 If your loan will not close (rate lock will not expire) until after your next mortgage payment is due,
then please make your current mortgage payment as near the 1st of the month as possible and
immediately confirm with your processor that it has been made. Please provide your processor
with the manner in which your payment was transacted (automatic withdrawal, check, phone pay)
and the date the payment was made.

 Provide your signed application and required documentation as soon as possible since this
documentation is what allows us to begin processing your loan request. Processing can take the
majority of the rate lock period depending on several different variables including each employer,
asset institution, appraisal, title company, and of course business volume.

 Receipt of final underwriting approval and an update from your home owner's insurance agent is
when your loan is generally ready to be scheduled for closing. Be advised that some mortgage
companies take several days to process payoff requests.

 Closing times near the end of the day and dates near the end of the month are very popular and
will be limited by demand. You will want to consider flexibility with closing times to avoid an
additional payment to your current mortgage company.

 Rate lock expiration dates should be considered when scheduling your closing. Failure to close
prior to your rate lock expiration date may cause additional expense or forfeiture of your locked
rate. It is not possible to gain a better interest rate by allowing your rate lock to expire.

 If it becomes necessary to wait an additional month to close your loan, you will need to make an
additional "on time" payment to your current mortgage company. Your processor will need to know
your payment has been made before starting the payoff process and final underwriting over again.
The previous bullet points should be reviewed should an additional mortgage payment become
necessary.

fcrmaxbn Page 1 of 1
 NOTICE TO APPLICANTS
RIGHT TO RECEIVE A COPY OF YOUR APPRAISAL REPORT
Date: 08/28/2019

Loan Number: 1010056452

Borrower: Laurence D Baker

Property Address: 11368 Bayhill Way

Indianapolis, Indiana 46236

The Equal Credit Opportunity Act now requires creditors to provide applicants with a copy of the appraisal
report that is used in conjunction with any loan secured by Real Estate. FORUM will forward a copy of your
appraisal to you upon receipt. Your rights under this provision are:

1. To receive the appraisal report at least three (3) business days prior to the closing of your loan, which
should allow sufficient time to review prior to closing your loan.

OR

2. To waive your rights outlined in the above at least three (3) business days prior to closing and still
receive a copy at or prior to closing.

By signing below, Borrower(s) acknowledge that Borrower(s) have read and understand the above options.

·_______________________________________________________________
Borrower Laurence D Baker Date

Form: C9706 Revised: 20140113 Version 1.0 1 of 1

fcrnarra
 Loan Number: 1010056452

NOTICE TO BORROWER/
PROSPECTIVE BORROWER
(form HPU-01, effective 10-03-2015)

Office of the Indiana Attorney General

Homeowner Protection Unit

Right to Inspect Closing Disclosure:

A borrower in a real estate transaction, which includes the making, refinancing,
or consolidation of a mortgage loan, has the right to inspect the Closing Disclosure no
later than three business days before settlement, a provided by federal law. For
transactions in which a HUD-1 or HUD-1A Settlement Statement is instead required
under federal law, a borrower has the right to inspect the HUD-1 or HUD-1A
Settlement Statement one day prior to settlement.

Indiana Code § 24-5-23.5-7:

A person shall not corrupt or improperly influence, or attempt to corrupt or improperly
influence:
(1) the independent judgment of a real estate appraiser with respect to the value
of the real estate that is the subject of a real estate transaction; or
(2) the development, reporting, result, or review of an appraisal prepared in
connection with a real estate transaction; through bribery, coercion, extortion,
intimidation, collusion, or any other manner.
As added by P.L. 52-2009, SEC.2.

Suspected Violation of Indiana Code § 24-5-23.5-7 or other Fraudulent Real

Estate Transactions:
If you, the borrower or prospective borrower, suspect a violation of Indiana
Code 24-5-23.5-7, or any other suspected fraudulent residential real estate
transactions, you may contact the Homeowner Protection Unit of the Office of the
Indiana Attorney General.

Contact Information:
Homeowner Protection Unit
Toll Free: 1-800-382-5516
Electronically: HPU@atg.in.gov

This form is being provided to you, the borrower or prospective borrower, pursuant to Indiana Code 24-
5-23.5-8(a).

cdinnoti
 Borrower’s Certification & Authorization
Loan No.: 1010056452
Certification
The undersigned certify the following:
1. I/We have applied for a mortgage loan from FORUM Credit Union (lender) . In applying for the loan, I/we completed a loan
application containing various information on the purpose of the loan, the amount and source of the down payment,
employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete.
I/We made no misrepresentations in the loan application or other documents, nor did I/we omit any pertinent information.
2. I/We understand and agree that FORUM Credit Union (lender) reserves the right to change the mortgage loan review process.
This may include verifying the information provided on the application with the employer and/or the financial institution.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false
statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.

Authorization to Release Information

To Whom It May Concern:
1. I/We have applied for a mortgage loan from FORUM Credit Union (lender) . As part of the application process, FORUM
Credit Union (lender) may verify information contained in my/our loan application and in other documents required in
connection with the loan, either before the loan is closed or as part of its quality control program.
2. I/We authorize you to provide to FORUM Credit Union (lender) , and to any investor to whom FORUM Credit Union (lender)
may sell my/our mortgage, any and all information and documentation that they request. Such information includes, but is not
limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of
income tax returns.
3. FORUM Credit Union (lender) or any investor that purchases the mortgage may address this authorization to any party named
in the loan application or disclosed by any consumer credit reporting agency or similar source.
4. A copy of this authorization may be accepted as an original.
5. Your prompt reply to FORUM Credit Union (lender) or the investor that purchased the mortgage is appreciated.
6. Mortgage guaranty insurer (if any).

NOTICE TO BORROWERS: This is notice to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA has a
right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to
you. Financial records involving your transaction will be available to HUD/FHA without further notice or authorization but will not be
disclosed or released by this institution to another Government Agency or Department without your consent except as required or
permitted by law.

·_______________________________________________________________
Borrower Laurence D Baker Date

invborct
Form 4506-T Request for Transcript of Tax Return
►Do not sign form unless all applicable lines have been completed OMB No. 1545-1872
(March 2019)
Department of the Treasury ►Request may be rejected if the form is incomplete or illegible.
Internal Revenue Service ►For more information about Form 4506-T, visit www.irs.gov/form4506t.
Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using
our automated self-help service tools. Please visit us at IRS.gov and click on “Get Tax Transcript...” under “Tools” or call 1-800-908-9946. If you need a copy of
your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name 1b First social security number on tax return, individual taxpayer identification
shown first. number, or employer identification number(see instructions)
Laurence D Baker 158-44-6831
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 tax return text

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)
Laurence D Baker, 11368 Bayhill Way, Indianapolis, IN 46236
4 Previous address shown on the last return filed if different from line 3 (see instructions)

5a If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
and telephone number.
FORUM Credit Union, C/O Equifax Verification Services, 11432 Lackland Rd, St Louis, MO 63146, 1-888-749-4411
5b Customer file number (if applicable) (see instructions)

Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have
filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5a, the IRS has
no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can
specify this limitation in your written agreement with the third party.
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. Most requests will be processed within 10 business days ……………………………………………………………………………………………… X
b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and
adjustments made 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 are available for most returns. Most requests will be processed within 10 business days ................... X
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 year and 3 prior tax years. Most requests will be processed within 10 business days ............................................................................ X
7 Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after
June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days ......................................... X
8 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. State or 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 current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2011,
filed in 2012, will likely not be available from the IRS until 2013. If you need W-2 information for retirement purposes, you should contact the Social Security
Administration at 1-800-772-1213. Most requests will be processed within 10 business days ............................................................................................... X
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 4506 and request a copy of your return, which includes all attachments.
9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or
periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period
separately. 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Caution. 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 request applies 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-T on behalf of the taxpayer. Note. This form must be received by IRS within 120 days of the signature date.
[X] Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she Phone number of taxpayer on line 1a or
has the authority to sign the Form 4506-T. See instructions. 2a
317-523-3120
►
________________________________________________________
·

Signature (see instructions) Date

Sign ►
Here Title (If line 1a above is a corporation, partnership, estate, or trust)

►
_____________________________________________________
Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 3-2019)
mfx4506b
º
Form 4506-T (Rev. 3-2019) Page 2
Section references are to the Internal Revenue Code unless Corporations. Generally, Form 4506-T can be signed by:
otherwise noted. Chart for all other transcripts (1) an officer having legal authority to bind the corporation, (2)
any person designated by the board of directors or other
Future Developments If you lived in
governing body, or (3) any officer or employee on written
or your business was Mail or fax to:
For the latest information about Form 4506-T and its request by any principal officer and attested to by the
in: secretary or other officer. A bona fide shareholder of record
instructions, go to www.irs.gov/form4506t. Information about
any recent developments affecting Form 4506-T (such as Alabama, Alaska, Arizona, owning 1 percent or more of the outstanding stock of the
legislation enacted after we released it) will be posted on that corporation may submit a Form 4506-T but must provide
Arkansas, California,
page. documentation to support the requester's right to receive the
Colorado, Connecticut, information.
What's New. The transcripts provided by the IRS have been Delaware, District of
modified to protect taxpayers' privacy. Transcripts only Partnerships. Generally, Form 4506-T can be signed by
Columbia, Florida, Georgia, any person who was a member of the partnership during any
display partial personal information, such as the last four
Hawaii, Idaho, Illinois, part of the tax period requested on line 9.
digits of the taxpayer's Social Security Number. Full financial
and tax information, such as wages and taxable income, is Indiana, Iowa, Kansas, All others. See section 6103(e) if the taxpayer has died, is
shown on the transcript. Kentucky, Louisiana, insolvent, is a dissolved corporation, or if a trustee, guardian,
Maryland, Michigan, Internal Revenue Service executor, receiver, or administrator is acting for the taxpayer.
A new optional Customer File Number field is available to
use when requesting a transcript. You have the option of Minnesota, Mississippi, RAIVS Team Note: If you are Heir at law, Next of kin, or Beneficiary you
inputting a number, such as a loan number, in this field. You Missouri, Montana, P.O. Box 9941 must be able to establish a material interest in the estate or
can input up to 10 numeric characters. The customer file Nebraska, Nevada, New Mail Stop 6734 trust.
number should not contain an SSN. This number will print on Jersey, New Mexico, North Ogden, UT 84409 Documentation. For entities other than individuals, you must
the transcript. The customer file number is an optional field attach the authorization document. For example, this could be
Carolina, North Dakota, Ohio,
and not required. the letter from the principal officer authorizing an employee of
Oklahoma, Oregon, Rhode
the corporation or the letters testamentary authorizing an
General Instructions Island, South Carolina, South individual to act for an estate.
Dakota, Tennessee, Texas, Signature by a representative. A representative can sign
Caution: Do not sign this form unless all applicable lines
have been completed. Utah, Virginia, Washington, Form 4506-T for a taxpayer only if the taxpayer has
Purpose of form. Use Form 4506-T to request tax return West Virginia, Wisconsin, 855-298-1145 specifically delegated this authority to the representative on
Wyoming, a foreign country, Form 2848, line 5. The representative must attach Form 2848
information. You can also designate (on line 5a) a third party showing the delegation to Form 4506-T.
to receive the information. Taxpayers using a tax year American Samoa, Puerto
beginning in one calendar year and ending in the following Rico, Guam, the
year (fiscal tax year) must file Form 4506-T to request a Privacy Act and Paperwork Reduction Act Notice. We ask
Commonwealth of the
return transcript. for the information on this form to establish your right to gain
Northern Mariana Islands, the access to the requested tax information under the Internal
Note: If you are unsure of which type of transcript you need, U.S. Virgin Islands, or Revenue Code. We need this information to properly identify
request the Record of Account, as it provides the most
A.P.O. or F.P.O. address the tax information and respond to your request. You are not
detailed information.
Main, Massachusetts, New Internal Revenue Service required to request any transcript; if you do request a
Tip. Use Form 4506, Request for Copy of Tax Return, to Hampshire, New York, transcript, sections 6103 and 6109 and their regulations
request copies of tax returns.
RAIVS Team
Pennsylvania, Vermont require you to provide this information, including your SSN or
Stop 3705 S-2 Kansas
Automated transcript request. You can quickly request EIN. If you do not provide this information, we may not be
transcripts by using our automated City, MO 64999 able to process your request. Providing false or fraudulent
self-help service tools. Please visit us at IRS.gov and click information may subject you to penalties.
on “Get a Tax Transcript...” under “Tools” or call 855-800-8015 Routine uses of this information include giving it to the
1-800-908-9946. Department of Justice for civil and criminal litigation, and
Where to file. Mail or fax Form 4506-T to cities, states, the District of Columbia, and U.S.
the address below for the state you lived in, commonwealths and possessions for use in administering
or the state your business was in, when that return was filed. their tax laws. We may also disclose this information to other
There are two address charts: one for individual transcripts Line 1b. Enter your employer identification number (EIN) if countries under a tax treaty, to federal and state agencies to
(Form 1040 series and Form W-2) and one for all other your request relates to a business return. Otherwise, enter the enforce federal nontax criminal laws, or to federal law
transcripts. first social security number (SSN) or your individual taxpayer enforcement and intelligence agencies to combat terrorism.
If you are requesting more than one transcript or other identification number (ITIN) shown on the return. For You are not required to provide the information requested
product and the chart below shows two different addresses, example, if you are requesting Form 1040 that includes on a form that is subject to the Paperwork Reduction Act
send your request to the address based on the address of Schedule C (Form 1040), enter your SSN. unless the form displays a valid OMB control number. Books
your most recent return.. or records relating to a form or its instructions must be
Line 3. Enter your current address. If you use a P.O. box, retained as long as their contents may become material in the
Chart for individual transcripts include it on this line. administration of any Internal Revenue law. Generally, tax
returns and return information are confidential, as required by
(Form 1040 series and Form W-2 Line 4. Enter the address shown on the last return filed if section 6103.
and Form 1099) different from the address entered on line 3. The time needed to complete and file Form 4506-T will
vary depending on individual circumstances. The estimated
If you filed an Note: If the addresses on lines 3 and 4 are different and you average time is: Learning about the law or the form, 10
individual return and Mail or fax to: have not changed your address with the IRS, file Form 8822, min.; Preparing the form, 12 min.; and Copying,
lived in: Change of Address. For a business address, file Form 8822- assembling, and sending the form to the IRS, 20 min.
Alabama, Kentucky, Louisiana, B, Change of Address or Responsible Party — Business.
If you have comments concerning the accuracy of these
Mississippi, Tennessee, Internal Revenue Service time estimates or suggestions for making Form 4506-T
RAIVS Team Line 5b. Enter up to 10 numeric characters to create a unique
Texas, a foreign country, customer file number that will appear on the transcript. The simpler, we would be happy to hear from you. You can write
American Samoa, Puerto Rico, Stop 6716 AUSC to:
customer file number should not contain an SSN. Completion
Guam, the Commonwealth of Austin, TX 73301 of this line is not required. Internal Revenue Service
Tax Forms and Publications Division
the Northern Mariana Islands, 1111Constitution Ave. NW, IR-6526
the U.S. Virgin Islands, or 855-587-9604 Note. If you use an SSN, name or combination of both, we
Washington, DC 20224
will not input the information and the customer file number will
A.P.O. or F.P.O. address
be blank on the transcript. Do not send the form to this address. Instead, see Where
Alaska, Arizona, Arkansas, to file on this page.
California, Colorado, Hawaii, Internal Revenue Service
Line 6. Enter only one tax form number per request.
Idaho, Illinois, Indiana, Iowa, RAIVS Team
Kansas, Michigan, Minnesota, Stop 37106
Montana, Nebraska, Nevada, Signature and date. Form 4506-T must be signed and dated
Fresno, CA 93888 by the taxpayer listed on line 1a or 2a. The IRS must receive
New Mexico, North Dakota,
Oklahoma, Oregon, South Form 4506-T within 120 days of the date signed by the
Dakota, Utah, Washington, 855-800-8105 taxpayer or it will be rejected. Ensure that all applicable lines
Wisconsin, Wyoming are completed before signing.
Connecticut, Delaware, District
of Columbia, Florida, Georgia, Internal Revenue Service You must check the box in the signature area
Maine, Maryland, RAIVS Team to acknowledge you have the authority to sign
Massachusetts, Missouri, New Stop 6705 S-2 and request the information. The form will not
Hampshire, New Jersey, New Kansas City, MO 64999 be processed and returned to you if the box is
York, North Carolina, Ohio, unchecked
Pennsylvania, Rhode Island, Individuals. Transcripts of jointly filed tax returns may be
South Carolina, Vermont, 855-821-0094 furnished to either spouse. Only one signature is required.
Virginia, West Virginia Sign Form 4506-T exactly as your name appeared on the
original return. If you changed your name, also sin your
current name.
 Authorization to Withdraw Funds
Borrower: Laurence D Baker Borrower Email Address: larryd.baker@gmail.com
Co-Borrower: Co-Borrower Email Address:
Loan #: 1010056452

I/we authorize FORUM Mortgage to originate a onetime ACH debit from my/our account to begin processing my/ our
mortgage application.
The Appraisal Independent Review (AIR) currently governs the appraisal process. FORUM Mortgage will order the
appraisal through a third party service who, in turn, orders from a list of subcontracted appraisers. FORUM Mortgage
has no knowledge of the appraiser’s identity prior to completion, and is prohibited from contacting the appraiser during
the appraisal process for any reason.
The AIR is intended to provide a truly “objective” opinion of the value of your home and prohibit undue influence by
“inferring” or “suggesting” a target appraised value in order to gain more favorable terms or rates. Please note, in some
instances borrowers may be unable to complete the loan process or maintain their original locked rate due to the
appraised value.

Mortgage Appraisal Fee: $375.00

Financial Institution Information: FORUM Mortgage can debit your FORUM account or from another financial
institution. Please select an option below.
FORUM Credit Union Account Number:
OR
Financial Institution Name:
Routing Number:
Account Number: FORUM Mortgage may collect banking information
by telephone, if not previously provided on authorization

Borrowers Authorization:

·_______________________________________________________________
Borrower Laurence D Baker Date

I/We agree the Mortgage Appraisal Fee is nonrefundable once the appraisal has been completed.

fcrautwd
Additional Details for Services You Can Shop For
To get you started with shopping, this list identifies some providers for the services you can shop for (see Section C on page 2 of
your Loan Estimate).

Service Provider List You can select these providers or shop for your own providers.

Service Estimate Provider We Identified Contact Information

Title - Closing Protection Letter
$50 HOCKER & ASSOCIATES
Fee
6626 East 75th Street, Suite 410
Title - Examination Fee $300 Indianapolis, IN 46250
closing.documents@hockerlaw.com
Title - Lenders Coverage (317) 578-1630
$265
Premium
Title Closing Fee - 1st Mortgages $93
Title Company Wire , Courier ,
$48
Overnight Delivery
Title T I E F F Fee $5

APPLICANTS: Laurence D. Baker DATE ISSUED: 08/28/2019

º300021 PAGE 1 OF 1 • LOAN ID # 1010056452
Powered by Docu Prep Inc.
FORUM Credit Union
P.O. Box 6060 • Fishers, IN 46038
Save this Loan Estimate to compare with your Closing Disclosure.

Loan Estimate LOAN TERM 18 years

DATE ISSUED 08/28/2019 PURPOSE Refinance
APPLICANTS Laurence D. Baker PRODUCT Fixed Rate
11368 Bayhill Way LOAN TYPE Conventional FHA VA ________
Indianapolis, IN 46236 LOAN ID # 1010056452
PROPERTY 11368 Bayhill Way RATE LOCK NO YES , until at __________
Before closing, your interest rate, points, and lender credits can
Indianapolis, IN 46236 change unless you lock the interest rate. All other estimated
EST. PROP. VALUE $500,000 closing costs expire on 09/08/2019 3:33 PM EDT.

Loan Terms Can this amount increase after closing?

Loan Amount $204,500 NO

Interest Rate 3.125% NO

Monthly Principal & Interest

See Projected Payments below for your $1,239.07 NO
Estimated Total Monthly Payment

Does the loan have these features?

Prepayment Penalty
NO
Balloon Payment NO
Projected Payments
Payment Calculation Years 1 - 18
Principal & Interest $1,239.07

Mortgage Insurance + 0
Estimated Escrow + 0
Amount can increase over time
Estimated Total
Monthly Payment $1,239.07
This estimate includes In escrow?
Property Taxes NO
Estimated Taxes, Insurance
& Assessments $529 Homeowner's Insurance NO
Amount can increase over time
a month Other: Homeowners Association Dues NO
See Section G on page 2 for escrowed property costs. You must pay for other
property costs separately.

Costs at Closing

Includes $2,039 in Loan Costs + $217 in Other Costs - $511 in Lender

Estimated Closing Costs $1,745 Credits.See page 2 for details.

Includes Closing Costs.See Calculating Cash to Close on page 2 for details.

Estimated Cash to Close $358 From To Borrower
Visitwww.consumerfinance.gov/mortgage-estimate for general information and tools.
LOAN ESTIMATE PAGE 1 OF 3 • LOAN ID # 1010056452
º300001 Powered by Docu Prep Inc.
Closing Cost Details

Loan Costs Other Costs

A. Origination Charges $695 E. Taxes and Other Government Fees $110
___ % of Loan Amount (Points) Recording Fees and Other Taxes $110
Processing Fee $695 Transfer Taxes $0
F. Prepaids $107
Homeowner's Insurance Premium( months)
Mortgage Insurance Premium( months)
Prepaid Interest($17.75 per day for 6 days @ 3.125%) $107
Property Taxes( months)

G. Initial Escrow Payment at Closing $0

Homeowner's Insurance per month for mo.
Mortgage Insurance per month for mo.
B. Services You Cannot Shop For $578 Property Taxes per month for mo.
Appraisal Fee $450
Credit Report Fee $38
Flood Certification $14
Property Tax Status Research Fee $76

H. Other $0

I. TOTAL OTHER COSTS (E + F + G + H) $217

J. TOTAL CLOSING COSTS $1,745

C. Services You Can Shop For $766 D+I $2,256
Title - Closing Protection Letter Fee $50 Lender Credits -$511
Title - Electronic Recording Service Fee $5
Title - Examination Fee $300
Calculating Cash to Close
Title - Lenders Coverage Premium $265
Title Closing Fee - 1st Mortgages $93 Loan Amount $204,500
Title Company Wire , Courier , Overnight Delivery $48 Total Closing Costs (J) -$1,745
Title T I E F F Fee $5 Estimated Total Payoffs and Payments -$202,399
Estimated Cash to Close From To Borrower $356

Estimated Closing Costs Financed $1,745

(Paid from your Loan Amount)

D. TOTAL LOAN COSTS (A + B + C) $2,039

LOAN ESTIMATE PAGE 2 OF 3 • LOAN ID # 1010056452

º300002 Powered by Docu Prep Inc.
Additional Information About This Loan
LENDER FORUM Credit Union MORTGAGE BROKER
NMLS/IN LICENSE ID 469848/469848 NMLS/LICENSE ID
LOAN OFFICER Jamie Losh LOAN OFFICER
NMLS/LICENSE ID 555765 NMLS/LICENSE ID
EMAIL Jamie.losh@forumcu.com EMAIL
PHONE (317) 558-6419 PHONE

Comparisons Use these measures to compare this loan with other loans.

$76,490 Total you will have paid in principal, interest, mortgage insurance, and loan costs.
In 5 Years
$45,818 Principal you will have paid off.
Annual Percentage Rate (APR) 3.179% Your costs over the loan term expressed as a rate. This is not your interest rate.
The total amount of interest that you will pay over the loan term as a percentage
Total Interest Percentage (TIP) 30.927% of your loan amount.

Other Considerations

Appraisal We may order an appraisal to determine the property's value and charge you for this appraisal. We
will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an
additional appraisal for your own use at your own cost.

Assumption If you sell or transfer this property to another person, we

will 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.

Homeowner's This loan requires homeowner's insurance on the property, which you may obtain from a company of
Insurance your choice that we find acceptable.

Late Payment If your payment is more than 15 days late, we will charge a late fee of 5% of the monthly principal and
interest payment.

Liability After Taking this loan could end any state law protection you may currently have against liability for unpaid
Foreclosure debt if your lender forecloses on your home. If you lose this protection, you may have to pay any debt
remaining even after foreclosure. You may want to consult a lawyer for more information.

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.

Servicing We intend
to service your loan. If so, you will make your payments to us.
to transfer servicing of your loan.

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.

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Laurence D. Baker Date

LOAN ESTIMATE PAGE 3 OF 3 • LOAN ID # 1010056452

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