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.,
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NNA
·
The Notary Signing Agent's
Loan Documents
Sourcebook
The Notary Signing Agent's Illustrated Guide
to Common and Uncommon Forms
and How to Notarize Them
8. Signature and Name Affidavits ................................. 423
9. Conveyance Instruments ....................................... 437
10. Notes and Security Instruments ............... ~· ................ 455
11. Notice of Right to Cancel Forms ................................ 477
12. USA Patriot Act CIP Forms ..................................... 495
13. Affidavits........................................................ sos
APPENDIX
Notary Signing Agent Code of Conduct ................................ 535
About the Publisher .................................................... 565
iv I The Notary Signing Agent's Loan Documents Sourcebook

Preface
Milton G. Valera
"Some people have greatness thrust upon them.

Vezy few have excellence thrust upon them."
- John W. Gardner
U.S. Secretary of Health, Education, and Welfare, 1965-1968
In these early years of the fledgling Notary Signing Agent vocation, it

is already evident that Notary Signing Agents must demonstrate an
unswerving commitment to excellence, for success is not often granted
upon easier terms.
Everyone who aspires to be a Notary Signing Agent must start at the

same place. Agents must gain a working knowledge of mortgage loans,
loan terms and documents, lending practices, and know how the real
property recording and title industries operate.
At the closing table itself, Agents must exude confidence in helping bor-
rowers execute any of the myriad papers that may comprise a closing
documentation package.
There are no shortcuts here. Your chosen career field demands that you
cultivate your knowledge and never stop learning.
Table of Contents I v
The Notary Signing Agent's Loan Documents Sourcebook provides a
wealth of information for the beginner and veteran alike. Five separate
Notary Signing Agent transactions are explained and illustrated, includ-
ing the refinance loan and the home equity line of credit, the increasingly
popular "reverse" mortgage, the less common purchase and sale, and
the purely commercial transaction. Next are explained the instruments
that are typically encountered in documentation packages for these
transactions, followed by helpful tips for presenting and notarizing the
applicable instruments.
In addition, separate chapters of this Sourcebook contain several exam-

ples each of various affidavits, conveyance deeds, security instruments,
and other common and uncommon forms Notary Signing Agents rou-
tinely encounter.
Never before has such a breadth of diverse real property and mortgage
documents been compiled in a single volume with the needs of the
Notary Signing Agent in mind. It would take considerable real-world
experience to gain exposure to the forms in this Sourcebook.
You are to be commended for recognizing that the excellence of which

John W. Gardner speaks comes only as the result of an investment of
time, dedication, and sacrifice, and taking the initiative to broaden your
knowledge and sharpen your skills.
Milton G. Valera
Chairman
National Notary Association
vi The Notary Signing Agent's Loan Documents Sourcebook

Introduction
About This
Source book
The venerable Mark Twain, who was once a Notary, quipped: "All you
need in this life is ignorance and confidence, and then success is sure."
Any Notary Signing Agent will agree that confidence is critical for suc-
cess. Ignorance, however, is simply not an option.
To receive assignments from a title office, escrow agent, or signing

service, Notary Signing Agents must demonstrate knowledge of how to
conduct a home loan signing ceremony. In interviews and on written
examinations submitted with an application, Agents are pre-screened by
contracting companies for their knowledge of loan signing procedures
and the documents they will present to borrowers.
The importance of Notary Signing Agents acquiring knowledge of partic-

ular loan documents was impressed upon the author at an informational
meeting of Agents seeking work with a signing service. All were present
by invitation and had some experience with loan signings, including a
working knowledge of many of the standard documents.
The signing service representative leading the meeting passed out an

instructional test to the Agents in attendance. There was quite a lively
discussion about the questions on the handout, but silence fell upon
the room when the following question was asked: "Which major lender
requires the 'Notice of Right to Cancel' form to be initialed by the bor-
rower, but not signed?"
Introduction I 1
Contracting companies require Notary Signing Agents to be thoroughly
versed in the documents they handle, even if they never explain them to
a borrower.
Knowledge, as important as it is, is only half the battle.
At the appointment itself, the Agent will sit across the table from per-
fect strangers with a briefcase full of documents the Agent may feel
ill-equipped to present. Add to this the uncertainty of not knowing what
the borrower will say or ask next and it is apparent that only one word
can quell the insecurities that are the product of inexperience.
Confidence.
Notary Signing Agents need confidence in presenting documents as

much as they need knowledge of the documents themselves.
This book was written upon the premise that, to be successful Notary
Signing Agents must possess both knowledge and confidence. The best
way to achieve both is through years of experience conducting loan sign-
ings. In the case of beginners, of course, this is not possible.
The purpose of this book is to instill a measure of needed knowledge and

confidence in not only the beginner, but also the veteran encountering a
particular form for the first time.
Part I attempts to bridge the gap of inexperience by reprinting full and

complete loan document packages from seven actual refinance, home
equity line of credit (HELOC), home equity conversion mortgage (HECM,
otherwise known as a "reverse" mortgage), purchase and commercial
transactions.
A review of these complete document sets will yield an enhanced knowl-

edge of standard loan documents, a recognition that loan packages can
vary from lender to lender and from signing to signing, and perhaps most
important, an increased familiarity with loan documents, which results
in confidence ("familiarity breeds confidence").
While the complete sets of loan documents comprise the bulk of the
present volume, Notary Signing Agents who have conducted only a few
signings have already learned that not only can loan packages vary from
signing to signing, the individual documents themselves can vary in
format. The sheer number of possible combinations of forms that may
appear in a document package defies any definitive attempt to antici-
pate, classify, or present them in a book of this size, due to the fact that
each individual lender or title company may require different forms, a
specific loan program may require certain documents, or a borrower's
2 I The Notary Signing Agent's Loan Documents Sourcebook

unique financial or life circumstances may necessitate inclusion of one or
more particular documents to be included in a loan package.
Notwithstanding this limitation. Part II of this book presents several

examples of each of the more common forms found in residential loan
document packages, including the most commonly notarized documents.
By examining several similar forms, Signing Agents can more readily be
prepared to quickly recognize and differentiate between one lender's
forms and another's. Above all- and this is critical for confidence -
Agents will have had exposure to the subtle variations and will feel
better prepared to proceed.
In particular, chapters in Part II discuss and illustrate the following

instruments:
• Occupancy affidavits;
• Compliance agreements;
• Signature and name affidavits:
• Deeds used to convey title to real property:
• Promissory notes and security instruments:
• Notice of right to cancel forms (including the document that was the
source of the test question in the above-mentioned example);
• Customer Identification Program (CIP) forms required under the "Unit-

ing and Strengthening America by Providing Appropriate Tools Required
to Intercept and Obstruct Terrorism" (PATRIOT) Act of 2001: and
• Affidavits used for various purposes in the mortgage and title industry.
We include in an Appendix the current draft of the SPW Code of Con-

duct for Notary Signing Agents, an ethical code of conduct for Notary
Signing Agents.
Finally, a word of caution. The forms reproduced in this book are pro-
vided solely to aid in comprehending Notary Signing Agent practices
and procedures. State laws universally prohibit Notaries Public and
nonattorneys from engaging in the unauthorized practice of law. Notary
Signing Agents should not use this book to recommend or draft a par-
ticular document for, or to provide legal counsel about, any document to
borrowers. Agents should advise borrowers to have their specific legal
questions answered by their loan officer, escrow agent or attorney. ■
Introduction I 3
Part I
SIGNING AGENT
TRANSACTIONS
Part I of this book illustrates seven complete sets of loan document pack-
ages from the three most common Notary Signing Agent transactions
- refinance loans, home equity lines of credit, and reverse mortgages -
and sets from less common purchase and commercial transactions. These
packets will illustrate the various lender, title, and tax forms common to
these transactions.
We have attempted to include document packages which contain ele-

ments unique to each transaction, so the reader will be exposed to as broad
a variety of instruments as possible. Forms that are unique to a particular
type of transaction will be noted in accompanying marginal notes.
Marginal notes also will appear in places where the documents raise
issues or questions of interest to the Notary Signing Agent, such as how
exactly the forms should be notarized.
Since these forms are reproductions of documents used in actual loan

transactions, all company and individual names, addresses, phone num-
bers, and identification data used throughout have been altered.
The security instrument (deed of trust or mortgage) is abridged in most

cases due to the length of the instrument and the fact that much of the
content of these documents is "boilerplate" text.
Part 1: Signing Agent Transactions 5

Chapter
1
Refinance Loans
INTRODUCTION
One of the Notary Signing Agent's staples is the home refinance transac-
tion, which, according to industry analyst estimates. accounted for over
70% of all 1- to 4-family mortgage originations in 2013. While that number
has decreased to 35% in 2018, refinance transactions are still an important
part of a Signing Agent's workload.
As the mortgage origination numbers suggest, when refinance transac-

tions are up, Notary Signing Agents are extremely busy. At the height
of the recent refinance boom in 2012-13, Notary Signing Agents were
the workhorses that made it possible for title and escrow companies to
handle the increased volume of closings.
In leaner times, when interest rates creep higher and the number of
refinance loans drop, lenders begin to more aggressively market adjust-
able rate refinance and HELOC loans for debt consolidation. remodeling.
and funding college education. They also introduce new programs to woo
first-time buyers and consumers who cannot afford a traditional mort-
gage, such as interest-only or zero-interest loans.
Clearly, as market shifts occur, the types of loans Notary Signing Agents
handle will change.
Chapter 1: Refinance Loans 7

The two complete sets of refinance papers presented in this chapter rep-
resent two types of refinance loans, an FHA fixed rate and conventional
adjustable rate mortgage (ARM). They illustrate documents found in vir-
tually every refinance loan package as well as forms which are dictated
by a particular type of lender or transaction.
Forms in Sample Set 1 Pages

The full list of documents comprising Sample Set 1 follows. Refer to the
marginal notes on the samples for additional comments on these forms.
1. Uniform Residential Loan Application 14-16
2. Amended Escrow Instructions ............... 17
3. ALTA Settlement Statement 18-20
4. Crucial Data Proof Sheet 21
5. Closing Instructions ............. ............... 22-25
6. Private Mortgage Insurance Termination Disclosure 26-27
7. California Private Mortgage Insurance Termination

Disclosure 28-29
8. Deed of Trust ............... 30-40
9. Adjustable Rate Note 41-43
10. Interest-Only Addendum to Adjustable Rate

Promissory Note 44-45
11. Adjustable Rate Rider .. 46-47
12. Interest-Only Addendum to Adjustable Rate Rider 48
13. Addendum to Note................ ...... 49
14. Borrower's Income Certification 50
15. Variable Rate Mortgage Program Disclosure .51
16. Compliance Agreement 52-53
17. IRS Form W-9 Request for Taxpayer Identification Number

and Certification _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 54-57
8 The Notary Signing Agent's Loan Documents Sourcebook

18. IRS Form W-8BEN Certificate of Foreign Status of Beneficial
Owner for United States Tax Withholding_ _ _.._........................... 58
19. Name Affidavit (One and the Same Certification) ......... 59
20. Lender Escrow Account Disclosure Summary 60
21. Initial Escrow Account Disclosure Statement 61
22. Servicing Disclosure Statemen 62
23. Borrower's Certification 63
24. Statement of Occupancy ...... 64
25. Flood Insurance Certification and Notice 65
26. Affidavit of Disbursement and First Lien Letter 66
27. Quality Control Release 67
28. Right to Receive a Copy of an Appraisal 68
29. Mailing Address Certification 69
30. Notice to Borrower(s) Monthly Escrow Payments Are Subject to

Significant Increases When Financing New Construction 70
31. Notice of Right to Cance 71
32. First Payment Letter 72
33, Notice of Assignment, Sale, or Transfer of Servicing Rights 73
34. Tax Information Sheet 74
35. Borrower's Certification & Authorization 75
36. Draft Authorization .. 76
37. Important Privacy Choices for Consumers 77
Notarized Forms in Sample Set 1 Pages

The documents in Sample Set 1 that must be notarized are listed below,
along with the type of notarization required (in parentheses). Refer to
the marginal notes for additional comments and guidelines for notariz-
ing these forms.
1. Deed of Trust (Acknowledgment) _ _ _ _ _ _ _ _ _ _ 30-40
Chapter 1: Refinance Loans I 9

2. Compliance Agreement (Acknowledgment) ... _ _ _ _ _ _---'2-53
3. Name Affidavit (One and the Same Certification) (Jurat) _ _ _ _ 59
Forms in Sample Set 2 Pages

The full list of documents comprising Sample Set 2 follows. Refer to the
marginal notes for additional comments on and guidelines for notarizing
these forms.
1. Subordination Agreement ........... 80-82
2. Grant Deed 83
3. Preliminary Change of Ownership Report 84-85
4. Deed of Trust 86-90
s. Planned Unit Development Rider 91-92
6. Prepayment Rider 93
7. Note 94-95
8. Prepayment Note Addendum ..................... 96
9. Acknowledgment of Understanding of Conditional

Loan Approval 97
10. Borrower's Certification & Authorization Certification 98
ll. Credit Score Notice 99
12. California Hazard Insurance Disclosure ..................................... 100
13. California Impound Disclosure/Waiver 101
14. California Residential Mortgage Lending Act Per Diem

Interest Disclosure _ __ - - - -..······ ............................................ 102
15. Compliance Agreement .......................................................... 03
16. California Financing Law Statement of Loan Disclosure 04
17. ECOA Notice/Occupancy Statement/Mailing

Address Certificatio OS
18. The Housing Financial Discrimination Act of 1977 Fair
Lending Notice 06

19. First Payment Notification 07
20. Fannie Mae Affidavit and Agreement by Borrower and

Property Seller 108-109
21. Hold Harmless Septic, Well & Water 110
22. Homeowner's Real Estate Tax Authorization 111
23. Internal Revenue Service (IRS) Form 4506 Request for Copy or
Transcript of Tax Form---~-----------~-113
24. IRS Form W-9 Request for Taxpayer Identification Number

and Certification _________________ 114-117
25. Name Affidavit ___________________...a.18
26. Notice of Assignment, Sale or Transfer of Servicing Rights ___ u9
27. Notice to Borrower of Property in Special Flood Hazard Area............120
28. Occupancy Statement
29. USA Patriot Act Information Form ................................... 122
30. Important Privacy Choices for Consumers 123
31. Notice of Right to Cance 124
32. Customer's Statement of Non-Rescission 125
33. Closing Disclosure 126
34. Waiver of Escrow 127
35. Affidavit of Identity 128
36. Uniform Residential Loan Application ..129-132
Notarized Forms in Sample Set 2

The documents in Sample Set 2 that must be notarized are listed below.
Refer to the marginal notes for additional comments and guidelines for
notarizing these forms.
1. Subordination Agreement (Acknowledgment) ------80-82
2. Grant Deed (Acknowledgment>-------------83

3. Deed of Trust (Acknowledgment) _ _ _ _ _ _ _ _ _ _ 86-90

4. Compliance Agreement (Acknowledgment) .......... 103
s. Fannie Mae Affidavit and Agreement by Borrower and

Property Seller (Jurat) 108-109
6. Name Affidavit (Jurat) 8
1. Occupancy Statement (Unspecified) 121
8. Affidavit of Identity (Oath with acknowledgment) 128 ■

Sample Set 1

Uniform Residential Loan Application
This application is designed to be completed by the appllcant(s) with the Lender's assistance. Applicants should com£!.ele this form as ·sorrower" or ·co-
Borrower". as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when 00 the Income or assets of a person
other than the Borrower (includlng the Borrower's spouse) will be used as a basis for loan qualification or O the income or assets of the 8orTO'N8r's
spouse or other person who has commun ty property rights pursuant to state law will not be used as a basis for k>an quahfK:ation, but his or her liabilities
must be considered because the spouse or other person has community property rights pursuant to applicable law and Booower resides In a community
property state, the security property is located in a communfty property state, or the Bofrower is relying on other property located in a community property
state as a basis for repayment of the k>an.
If this Is an application for joint credit, Borrower and Co-Borrower each agree that we intond to apply for joint credit (slgn below):
Borrower Co-Borrower
I. TYPE OF MORTGA GE A NO TERMS OF LOAN
O Other (explain):
Mortgago
A lied for:
Amount
OVA
FHA 00 B ConventK>Oal
USDA/Rural Housi
Interest Rate No. of Months
Service
JC Fixed Rate
Agency Case Number
8 Other (explain):
Lender Case Number
2500020183
$ 268.585.00 5.625 % 360 e: GPM ARM t :
Subject Property Address (street. city. state. & ZIP) No. of Units
1000 Anywhere St.. Any Ci1y. AS 00000 County: 1
Legal Descnpbon al S ubJecl Property (a1ta="'e"s"'cn"'p"'10"'n_.,,,..n"'ece=s'"sa'-ry=-- - - - - - - - - - - - - - -- ----,-y;,-,e-a~r""su - --
""'i1
1
2001
O Purchase
Purpose of loan
Refinance B Construction Other (explain):
Construction-Permanent
Property WIii be:
00 Pnmary O Secondary O
Residence Residence
Investment
NOTES construction or construction-permanent loan.

Cost Amount Existing Liens (a) Present Value or lot (b) Cost of Improvements Total (a+ b)
The borrower only signs in the Co-

Borrower section if it is a joint loan this Is a refin ance loan.
application. Cost Amount Ex.isting liens Purpose or Refinance Describe Improvements D made D to be made
S 214.00 Cash-Ou! Deb< Consotlda · Cost: S

(s) Manner in which Title 'Nill be held Estate will be hekt in:
Borrower Husband And Wife 00 Fee Simple
ource o own aymen , ettlement Charges and/or Subordinate Financing {explain)
Equity On Subject Properly
D leasehold
(show expiration dato}
Borrower 111 BORROWER INFORMATION Co-Borrower

Borrowe(s Name (include Jr. or Sr. ii applicable) Co-Borrowe(s Name (include Jr. or Sr. ff applicable)
Barbara Borrower Barry Borrower
100-10-0000
I
Social Security Number Home Phone (Wld • •
209-555·1212
code) I09/11/1958
I
12 110-61-1200
I
209-555-1212 06/12/1968
I
DOB (MMIOOr'YYYY) Yrs Schod Social Security Number Home Phone Ind .,.. code) DOB (MMIDM'YYY>jYrs. School
12
@
D Unmaniod (lndude ling'e, d,vorced, MOOWtd) no.
I
ManNld llndude ,,...,.,,. ...,.M~ "'""'"\ Dependents tnot hste<I by Co-Bom,we,
] ages
~
D
Ma11ied (,dude,,.,.,.,,. dome,..,
I
oenne,s) 'Dependents (not Hste<I by So•owe,)
Unma,ried (1nc:tut1e 1:ngle, dNoroad, widowed) no. ages
0 s.narated O n/a D s.n.,.ted o nta
PresentAddreSS (ltreet.aty.lUlte ZJP) l!J Own LJ Rent 7Y SM No.Yrs. Present Address (lt:Nt. oty. 11a:, ZJPl!J Own U Rent 7Y SM No.Yrs.
1000 Anywhere St. 1000 Anywhere St.
Any City, AS 00000 Any City, AS 00000
Mailing Address, if different from Present Address Mailing Address. If different from Presen1 Address
If rosldlno at nresent address for lea& than two vears comnlote the followlno:
Former Address (weet. Ckf. &taw. ZIP) D OY,-n D Rent No.Yrs. Former Address (WMt. a,y. ,ia:e. ZIP) D Own O Rent No.Yrs.
B orrower IV EMPLOYMENT INFORMATION

Name & Address of Employer O Self Employed Yrs. on this job Name & Address of Employer U Self Employed Yrs, on thls job
Retired SY 3Y 3M
Yrs. employed in this Yrs. employed in this
line of work/profession line of work/profession
5 3
Position/Title/Type of Business IBusiness Phone (Ind. area code) Position/Title/Type of Business I
Business Phone (incl. area code)
209-835-1500
If emoloved In current position for less than two vears o r If currentlv emploved In m ore than one position, comolete the followlna:
Name & Address of Employer O Self Employed Dates (from-to) Name & Address of Employer O Self Employed Dales (from-to)
Monthly Income Monthly Income

s
Position/TiUo/Type of Business IBusiness Phono (lnci. area code) Position/Titlo/Type of Business j
$
Business Phone (ind. area code)
Name & Address of Employer U Sell Employed Oates (from-to) Name & Address of Employer O Self Employed Oates (from-to)
Monthly Income Monthly Income

$ s
Positlon/Titleflype of Business ] Business Phone (Incl. area code) PosilionfTiUe/Type of Business I Business Phone (incl. area coda)
Page 1 of 4
14 The Notary Signing Agent 's Loan Documents Sourcebook

UU: LOAN#: 2500020183
V MON LY INCOME AND suMBINED HOUSI NG E)(l>J:NSE INFORMATION
Gross Monthly lncomo Borrower Co-Borrower Total Combined Monthly Presont Proposed
Houslna Exoense
Base Empl. Income• $ s 3,699.00 $ 3,699.00 Rent $
Overtime First Mort11age (P&ll 1,506.00 $ 1,534.61
Bonuses Other Financlna (P&ll
Commissions Hazard Insurance 49.18
Dividendsllnterost Real Estate Taxes 266.23
Net Rental Income Mort11a11e Insurance 173.82
Other (beforo complcttng. Homeowner Assn. Dues
see the notice in "dcsaibo Other:
other ineome. • bellow) 1,798.00 1,798.0C
Total $ 1,798.00 $ 3,699.00 S 5,497.0C Total $ 1,506.00 S 2,023.64
..
Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statoments •
Describe Other Income Notice: Allmony, chlld support, or separate maintenance Income need not be rovealed If the Borrower (8)
B/C or Co-Borrower (Cl does not choose to have It conslderod for reoavlna this loan. Monthlv Amount
B Social Securitv/Disabilltv Income X 115% s 1798.00
VI. ASSETS AND LIABILITIES

This Statement and any applicable supporting schedules may bo 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 supP.Qrting schedules must be
comDleted about that soouse or other oerson also. ComDleted 00 >t Jointly □ NotJolntlv
ASSETS Cash or Market l.l&bllltln and Plodged Assets. List 111G credi!or's name, addrau ond account rwmber for aD OUISUlnc:Ung
Descripllon Value debts. lnduding outomobile loans. revolving charge accounts, reol ostoto loans. alimony, child support,
cash Deposit toward purchase held by: $ stock pladges. e1c. Use cootinuotion shool, if necessaiy. lndieole by(") !hose liabmlies which wi~ bG llltlsfiod
uoon sale of roal eslale owned or uDOn rennancing of lhe subiect ~ ro""rtv.
LIABILITIES Monlllly Pmt. & Unpaid
Moa. Loft to Pay Balance
Name and address of Company (B1) SPmtJMos. s
Ust checklna and savlnas accounts bolow BK OF AMER '1,506.00/ '214,069.50
Name and address of Bank, S&L. or Credit Union 400 COUNTRYWIDE WAY, SIMI VALLEY, CA 93065 300
Bank of America
Acct. no. 224659709
Name and address of Company (B 1) $Pmt./Mos. $
Acct. no. 001170471096 $ 1,432.00 GM FINANCIAL 589.00/68 32,098.00
Name and address of Bank. S&L, or Credit Union 801 CHERRY ST STE 3900, FORT WORTH, TX 76102
Acct. no. 111006778551

Name and address of Company (B1) S Pmt.lMos. $
Acct. no. s ONEMAIN '254.00/50 '7,294.06
Name and address of Bank, S&L, or Credit Union 501 MAIN ST N, AMORY, MS
Acct. no. 1184268041420052

Name and address of Company (C2) $ Pmt.JMos. s
Acct. no. s CREDIT ONE BANK NA '38.00/12 "758.72
Name and address of Bank, S&L, or Credit Union PO BOX 98875, LAS VEGAS, NV 89193
Acct. no. 444795······5141

Name and address of Company (B1) $ Pmt./Mos. s
Acct. no. $ FIRST PREMIER BANK '30.00/12 •420.81
Stocks & Bonds 601 S MINNESOTA AVE, SIOUX FALLS, SD 57104
(Company name/number & description) $
Acct. no. 517800..····4820

Name and address of Company (81) SPmt./Mos. $
Life insurance net cash value s CAPITALONE
PO BOX 85520, RICHMOND, VA 23285
'25.00/12 '342.95
Face amount: S
Subtotal Uquld Assets s 1 432.00
Real estate owned {enter market valuo S
from schedule of real eslato owned) 350000.00 Acct. no. 517805......
Vosted interest In retirement fund $ 10,609.98 Name and address of Company $ Pmt./Mos. $
Net worth of business(es) owned $ See Schedule of Liablities 227.00 15,682.48
(attach financial statement!
Automobiles owned (make and year) S
Acct. no.
Alimony/Child Support/Separate Maintenance $
Other Assets (itemize) $ Pavmants Owed to:
Job Related Expense (child care, union dues, etc.) $
Total Monthlv Pavments $ 589.00

Total Assets a. $ 362041.98 Not Worth«• nvnus bl 1$ 91375.46 TOlall.l&bllllleab. $ 270666.521
Uniform Rosldentlal Loan Application

Freddie Mac Form 65 7/05 (rev.6/09)
Ellie Mae, Inc. Page 2 of 4
- II:
~ Fannie Mao Form 1003 7105 (rov.6/09)
GURLA 0711
GURLA(CLS)

UU: LOAN #: 2500020183
VI. ASSETS AND LIABILITIES (conL)
Schodulo of Roal Estato Ownod (If additional properties are owned, use continuation sheet.)
Property Address (enter S if sold, PS if ponding sale Typo of Present Amount of
or R If rental being held for income) Property Market Value Mortgages & Lions
VII DETAILS OF TRANSACTION VIII DECLARATIONS

a. Purchase price s If you answer "Yes" to any questions a through I, Borrower Co-Borrower
b. Alterations. Improvements, repairs please use continuation sheet for explanation.
00 □ □
c. Land (if acquired separately) a. Are there any outstanding judgments against you? ~ 00 00
d. Refinance (Incl. debts to be paid off) 238,656.42 b. Have you been declared bankrupt within the past 7 years? 00 □
e. Estimated prepaid items 2,015.28 c. Have you had property foreclosed upon or given title or
f. Estimated closing costs
g. PMI, MIP, Funding Fee
h. Discount (if Borrower will cavl
3,539.00 deed in lieu thereof In the last 7 years?
4,585.00 d. Are you a party to a lawsuit?
e. Haveyoudirectlyorindirectlybeenobligatedonanyloanwhichresultedinforeclosure,
B~ □
□ ~
i. Total costs (add items a through h) 248,795.70 transfer of title in lieu of foreclosure, or judgment? (This would include such loans BS homo
j. Subordinate financing mortgage loans, SBA loans. home improvement roans. educational loans, manufactured (mobile)
k. Borrower's closing costs paid bv Seller homo loans, any mortgage, flnancial obligation, bond, or loan guarantoe. II "Yes: provide details,
I. Other Credits (explain) Including date, namo and address of Lender, FHA or VA case number. ii any, and reasons for lho
Lender Credit 0.00 action.) D 00 I D 00
f. Are you presently delinquent or in default on any Federal debt or
any other loan, mortgage, financial obligation, bond, or loanaiarantee?
If -Yes.· give detailS as desaibed In the pteCeding quostion. 00 0 00
g. Are you obligated to pay alimony, child support, or separate
...,,_,.,, ~
Bi
h. Is any part of the down payment borrowed?
I. Are YJU a co-maker or endorser on a note? _ __ __ _ __ _ "
j. Are you a U.S. citizen?
k. Are you a permanent resident alien?
I. Do you Intend to occupy the proporty as your primary
residence? If -Yes." complete question m below.
m.Have you had an ownership Interest In a property In the last
!
□ ~
l!l □ 00 □
□
00
m.Loan amount (exclude PMI, MIP. three years? l!l □ 00 □

Funding Fee financed) 282,000.00 (1) What type of property did you own• principal residence
n. PMI, MIP, Funding Fee financed 4,585.00 (PR}, second home (SH), or investment property (IP)? P..B__ ~
o. Loan amount (add m & n) 266,585.00 (2) How did you hold title to the home • solely by yourself
p. Cash from/to Borrower (S), joinUy with your spouse (SP), or joinUy with another
(subtract j, k, I & o from i) (17,789.30) person (O)? SP SP
IX. ACKNOWLEDGMENT AND AGREEMENT
Each of the undersigned spcc111cally represents to Lender and to Lender's actual or potential agents, brokors, prooessors, attomoys, insurers, servlcers, succossors and assigns
and agrees and acknowledges that: (1) the information provided in this application ls truo and correct as of the date set forth opposite my signature and that any intentional or
negligent misrepresentation of this lnfonnalion contained In this application may result In civil riabilily. including monetary damagos, to any person who may suflor any loss duo
10 reliance upon any miSrepresentatlon 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 TIiie 18, United States Code, Sec. 1001, et. seq.; (2) the loan requested pursuant to this application (the "Loan") wlU bo socured bya mortgage or deed of trust on
the propeny described in this application; (3) the property will not be used for any illogal or prohibited purpose or use; (4) an statemonts 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 Lendor, Its servicers, successors or assigns may
retain the original and/or an oleclronlc record of this application, whether or not the Loan is approved; (7) tho Lender and its agents, brokers, insurers, serviocrs. successors and
assigns may continuously rely on tho lnfonnation contained In the application, and I am obligated to amend and/or supplemont tho Information provided In this application If any
of the material facts that I have represented herein should change prior lo dosing ol the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, Its
servlcers, successors or assigns, may In addition to any other rights and remedi11s that II may have relating to such delinquency, report my name and acoount lnfonnatlon to one
or moro 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, servicer&, successors Of assigns has made any representation or warranty, express°' implied, to me regarding the property or
the condition or value of the property; and (11) my transmission of this application as an "eleclronic record" containing my "electronic signaturo." BS thosa terms are defined in
applicable federal and/oc state laws (oxcluding audio and video recordings). or my facsimile transmis5lon of this appficalion containing a facsimile of my signature. snaB be as
cffedive, enforteablo and valid as if a paper version ol this application were delivered containing my original writton signature.
Acknowlodgomont. Each of tho undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns. may verify or reverify any infonnatlon
contained In this application or obtain any infonnation or data relating to the Loan, for any legitimate oosiness purpose through any source, including a source named In this
application or a consumer reporting agency.
Co-Borrower's Signature
X
typos of loans related to a dwettlng In order to monitor tho londer al credl
ired ro furnish this lnfonnatlon, but are encou ed to do so. The hat a lender ma
to furnish it. If you furnish this in · 1i:lly and race. For race, y
x, under Fcdof:'I regula he lnfonnatlon on the basis of vlsu
e box below. (Lender must review the ebo
or the particular type of loan applied for.)
Date
Loan Originator's Name (print or type) Loan Originator ldentlflcr Loan Originator's Phone Numbor (Including area code)
Michael Gracz 1160212 I StateLicense#-CA•DB01160212 630-859-7644
Loan OriglnaUOn Company's Namo Loan Origination Company Identifier Loan Origination Company's Address
DAS Acquisition Company, LLC 227262 I Stale License # • 41 D80-45971 12140Woodcrest Executive Drive, Suite 150
Saint Louis, MO 63141
Uniform Rosldentlal Loan Appllcatlon

Freddie Mac Form 65 7/05 (rev.6/09) Fannie Mae Form 1003 7/05 (rev.6/09)
Ellie Mae, Inc. Page3of 4 GURLA18D13 0518
GURLA(CLS)

The Escrow Palace
23161 Lake Drive, Suite 120
Any City, AS 00000
(000) 380-9701 Fax (000) 380-7899
Web Site: http://www.escrowpalace.com, E-Mail: info@escrowpalace.com
Escrow No. 52944 Date: October 3, 20XX
Re: 1000 Anywhere St., Any City, AS 00000
To: The Escrow Palace - BEVERLY CLOSER
My previous instructions in the above numbered escrow are hereby modified-supplemented in the
following particulars only:
LENDER, RATE & TERMS:
A new Conventional Trust Deed loan in favor of ANPAC FUNDING CORP. OBA ANPAC
LENDING GROUP, in the principal amount of $166,500.00 bearing interest at the rate of 6.375%
per annum, for a term of 30 years. Borrower(s) signature on loan documents shall constitute full
acceptance and approval of all lender terms and conditions and shall be Escrow Holder's
authorization to comply with all terms and conditions contained therein.
All parties signing this instruction acknowledge receipt of a copy of same. All other terms and
conditions of this escrow shall remain the same.
Borrower's Signature
Barbara Borrower Barry Borrower

American Land Title Association ALTA Settlement Statement - Borrower/Buye
File No./Escrow No.: 52944 The Escrow Place Title Company

Print Date & Time: Officer/ 23161 Lake Dr. Logo
Escrow Officer: Settlement Any City, AS 00000
Location:
Property Address: 1000 Anywhere St.,

Any City, AS 0000
Buyer: Barry Borrower, Barbara Borrower
Seller:
Lender:
Settlement Date:
Disbursement Date:
Additional dates per state requirements:
Description Borrower/Buyer
Debit Credit
Financial
Sales Price of Property
Personal Property
Deposit including earnest money
Loan Amount
Existing Loan(s) Assumed or Taken Subject to _ __
Seller Credit
Excess Deposit
Proratlons/Adjustments
School Taxes from (date) to (date)
County Taxes from (date) to (date)
HOA dues from (date) to (date)
Seller Credit
Loan Charges to (lender co.)

Points
Application Fee
Origination Fee
Underwriting Fee
Mortgage Insurance Premium
Prepaid Interest
American Land Tirie A5sociatlon. All rights File#

resen,ed. Page 1 of 3 Printed on (date) at (time)
18 The Notary Signing Agent"s loan Documents Sourcebook

Other Loan Charges
Appraisal Fee to
Credit Report Fee to
Flood Determination Fee to
Flood Monitoring Fee to
Tax Monitoring Fee to
Tax Status Research Fee to
Impounds
Homeowner's Insurance mo@$_jmo
Mortgage Insurance mo@$__Jmo
City/town taxes mo@S__jmo
County Taxes mo@S__jmo
School Taxes mo@$__jmo
Aggregate Adjustment
Title Charges & Escrow/ Settlement Charges

Owner's Title Insurance ($ amount) to
Owner's Policy Endorsement(s)
Loan Policy of Title Insurance ($ amount) to
Loan Polley Endorsement(s)
Title Search to
Insurance Binder to
Escrow/ Settlement Fee to

Notary Fee to
Signing Fee to
Commission
Real Estate Commission to
Real Estate Commission to
Other
Government Recording and Transfer Charges

Recording Fees (Deed) to
Recording Fees (Mortgage/Deed of Trust) to
Recording Fees (Other) to
Transfer Tax to
Transfer Tax to
Payoff(s)
Lender: Payoff Lender Co.
Principal Balance($ amount)
Interest on Payoff Loan ($ amount/day)
Additional Payoff fees/Reconveyance Fee/Recording
Fee/Wire Fee
Lender: Payoff Lender Co.

Principal Balance ($ amount)
American Land Title Association. All rights

File#
l'l!Served, Page 2 of3 Printed on (date) at (time)

Interest on Payoff Loan ($ amount/day)
Additional Payoff fees/Reconveyance Fee/Recording
Fee/Wire Fee
Miscellaneous
Pest Inspection Fee to
Survey Fee to
Homeowner's insurance premium to
Home Inspection Fee to
Home Warranty Fee to
HOA dues to
Transfer fee t o Management Co.
Special Hazard Disclosure
[Utility] Payment to
Assessments
School Taxes
City/town t axes
County Taxes/County Property taxes
Buyer Attorney fees to
Seller Attorney fees to
Debit Credit
Subtotals
Due From/To Borrower
Due From/To Seller
Totals
Acknowledgement
We/I have carefully reviewed the ALTA Settlement Statement and find it to be a true and accurate statement of all receipts
and disbursements made on my account or by me in this transaction and further certify that I have received a copy of t he
ALTA Settlement Statement. We/I authorize _ _ _~t~it~le~co~m=p=a~n~y~n=a~m~e~_ to cause the funds to be disbursed in
accordance with this statement.
Barry Borrower
Barbara Borrower
Escrow Officer
Arnerian Land Title Association. All rights File#

rtserved. Page 3 of 3 Printed on (date) at (time)
20 The Notary Signing Agent's Loan Documents Sou r cebook

SECOND NATIONAL
Crucial Data Proof Sheet
Prepared for:
ANPAC FUNDING CORP. D/B/A ANPAC LENDING GROUP
1401 COVE STREET, SUITE 100
NEWPORT BEACH, CALIFORNIA 92660
FHA/VA#:
Refinance?: 00 Yes
Loan number: 2500020183
Loan Type: CONVENTIONAL
Borrower #1: BARRY BORROWER

Manner of Title: AND
AKA: POA:
Borrower #2: BARBARA BORROWER

Manner of Title: HUSBAND AND WIFE AS COMMUNITY PROPERTY
AKA: POA:
Borrower #3:
Manner of Title:
AKA: POA:
Borrower #4: Manner of Title:

AKA: POA:
Borrower #5:
Manner of Title:
AKA: POA:
Borrower #6:
Manner of Trtle:
AKA: POA:
Property Address: 1000 ANYWHERE STREET, ANY CITY, AS 00000
Mailing Address: 1000 ANYWHERE STREET, ANY CITY, AS 00000
Prior Address:
Sellers:
Loan closing in the name of: ANPAC FUNDING CORP. D/B/A ANPACT LENDING GROUP, A CALIFORNIA
CORPORATION
Address: 1401 COVE STREET, SUITE 100, NEWPORT BEACH, CALIFORNIA 92660
State of incorporation: THE STATE OF CALIFORNIA

Investor (if applicable): ANPAC FUNDING CORPORATION
Loan Amount: $ 166,500.00 Interest rate: 6.37500% 1st payment date: 12/01 /XX
Sale price:$ Appraised value: $185,000.00 Closing/document date: 10/02/XX
Late charge: 5.000% Maturity date: 11/01/XX Disbursement date: 10/07/XX
Actual term: 360 mos. Amortized term: 360 mos. Rescission date:
Settlement agent: ESCROW PALACE Settlement county:

Settlement address: 23161 LAKE DR. STE.120, ANY CITY, AS 00000
Property county: LOS ANGELES Aiders: .JLAAM _Condo _PUD _GPM
_1-4 Family _VAAssumptn _Other
Legal Description:
THE LAND REFERRED TO IN THIS DESCRIPTION SITUATED IN THE STATE OF CALIFORNIA,
COUNTY OF LOS ANGELES, CITY OF LOS ANGELES AND IS DESCRIBED AS FOLLOWS:
Condo/PUD name:
PUD description: COVENANTS, CONDITIONS & RESTRICTIONS OF RECORD
Trustee(s): AON MORRISON - GENERAL COUNSEL
Trustee address(es): 1401 COVE STREET, SUITE 100, NEWPORT BEACH, CALIFORNIA 92660
P&I: $ 884.53 ARM (If applicable)

MIP/PMI: 173.43 X Change period: 6 months
Haz. Ins.: 52.73 X 11 mos. escrow= $ 580.03 1st change date: MAY, 20XX
Flood Ins.: X mos. escrow = $ Index: 1.68900
Cnty taxes: 106.09 X 4 mos. escrow= $ 424.36 Margin: 2.75000
City tW<es: X mos. escrow= $ Rate cap: 1.00000
Other taxes: X mos. escrow= $ Lifetime cap: 6.00000
Other taxes: X mos. escrow = $
Buydown (if applicable):
Total PITI: $1,216.78 Rate P&I BID
1st:
2nd:
3rd:
Total buydown amount: $
(See also: TIL Worksheet. HUD-1 and Itemization.)

To Settlement Agent: ESCROW PALACE From Lender:
23161 LAKE DR. STE. 120 ANPAC FUNDING CORP. D/B/A ANPAC
ANY CITY, AS 00000 1401 COVE STREET, SUITE 100 NEWPORT
BEACH, CALIFORNIA 92660
Attn: GEORGIA Phone No. (000) 380-7899
Fax No. 1-949-380-7899 Funder: EMAIL, A
Escrow/Closing No. 52944 Phone No. 949-567-4174
E-mail Addr: AEMAIL@ANPAC.COM
Fax No. 949-475-3962
Loan No. 2500020183
CLOSING INSTRUCTIONS
You are engaged to close this loan in accordance with these Closing Instructions. If there are any
discrepancies; if any of the closing conditions and/or requirements cannot be met; or if the loan does
not close as scheduled contact the Lender immediately and return funds disbursed by Lender unless
Lender has extended closing in writing.
You may not impose any additional charges on the Lender's behalf without obtaining the Lender's
prior approval.
Scheduled Closing Date: OCTOBER 02, 20XX

Scheduled Disbursement Date: OCTOBER 07, 20XX
Borrower: BARRY BORROWER AND BARBARA BORROWER

Seller:
Property Address: 1000 ANYWHERE STREET, ANY CITY, AS 00000
Loan Type: Conventional Loan Amount$ 166,500.00 Interest Rate: 6.37500

Second Home _Yes _lL No
Rescindable: ...LYes _ No Owner-occupied ..JL.Yes _ No

HUD-1 to be prepared by Settlement Agent and faxed to 949-475-3962.
Section I: LENDER CLOSING INSTRUCTIONS
The following are lender closing conditions to be satisfied prior to loan closing. If you have any
questions about any of these conditions, please contact the lender as soon as possible. Please
collect the required document(s) and fax to the lender for lender's approval prior to closing.
Brokers checks will be held, in all wet funding states, until Funder has confirmed receipt of all original
documentation.
NOTE: Any changes to the terms of the closing must be prior approved by ANPAC lending, if not the
Closer and/or Title may be liable.
BORROWER($) MUST INITIAL EACH PAGE OF THE DEED/MORTGAGE, RIDERS, AND

THE NOTE, PER INVESTORS REQUIREMENTS.
2 CLOSING AGENT IS AUTHORIZED TO COMPLETE VESTING PER STATE
REQUIREMENTS.
3 PRIOR TO FUNDS BEING DISBURSED, EXECUTED DOCUMENTS MUST BE RECEIVED BY
ANPAC FOR All RESCINDABLE TRANSACTIONS.
4 ILG REQUIRES AN INDEPENDENT 3RD PARTY TO SUPERVISE AND NOTARIZE ALL
LOAN DOCUMENTS AT CLOSING.
5 ORIGINAL SIGNED INITIAL GFE & TIL IN ACCORDANCE WITH CALIFORNIA AB 795
PRIOR TO FUNDING.
6 HAZARD INSURANCE SUFFICIENT TO COVER LOAN AMOUNT/REPLACEMENT COST
7 FINAL 1003 WITH CORRECT TERMS OF LOAN AMOUNT, NOTE RATE, INS, TAXES. Ml,
ETC..SIGNED BY BORROWER & INTERVIEWER • BROKER TO PROVIDE. **NEED
CORRECT EMPLOYMENT INFO.••
8 ESTIMATED HUD/SETTLEMENT STATEMENT TO INCLUDE ALL CLOSING AGENT FEES**
RECD CLOSING TO REVIEW**
9 COPY OF CURRENT DEMANDS (2) FOR REVIEW ** RECD CLOSING TO REVIEW **
10 THE FOLLOWING DEBT TO BE PAID IN FULL· BALANCES TO BE VERIFIED BY PAYOFF
STATEMENT: CHASE MANHATTAN MTG ($114,666) IRWIN HOME EQUITY ($39,452)
Page 1 of 4

Section II HAZARD INSURANCE/FLOOD INSURANCE
_x__ Collect original fire and extended coverage insurance policy or other evidence of
insurance for not less than the loan amount or the replacement cost of improvements,
together with evidence of payment for all purchase money transactions.
_x_ _ Mortgagee clause must indicate the following:
ANPAC Funding Corporation
c/o Lender Funding, Inc.
PO Box 57018 Irvine, CA 92619-7018
1-888-281-3681
_x_ _ Collect Notice of Flood Insurance Requirement.
_x_ _ Collect executed application for flood insurance, together with evidence of payment or
all purchase money transactions.
Section Ill SURVEY
_X__ Collect Survey (2 copies required if applicable)
Section IV POWER OF ATTORNEY
ALL POWERS OF ATTORNEY MUST BE PRIOR APPROVED BY LENDER.
_X__ Collect Specific Power of Attorney (original) to be recorded.
Section V RESCISSION
_X__ Deliver 2 copies of Notice of Right to Cancel to each person whose ownership in their
principal residence will be subject to the Security Instrument.
_x__ Deleting or removing an existing mortgagor from title as a direct result of this transaction
requires the removed mortgagors signature on the Notice of Right to Cancel.
_X__ Closer is required to add a date that is 3 days after the date the borrower signs the
Notice of Right to Cancel form in the "How to Cancel" section of the Notice of Right to
Cancel form.
_x__ Obtain an acknowledgement of receipt from each person receiving a Notice of Right to
Cancel.
_x__ Prior to disbursing the loan on the Closer must reconfirm with all parties to the
transaction, including the ANPAC Lending under that the ANPAC Lending loan is to
close.
Section VI TAXES/ASSESSMENTS
_x__ Obtain tax certificate or other evidence of payment indicating payment of all real
estate taxes due and payable at time of closing.
_X__ Obtain tax certificate, a signed statement from an authorized representative of the
assessment district or other evidence of payment indicating payment of all special
assessments or special district taxes due and payable at closing, together with an
assumption of liability for all special assessments or special district taxes not yet due
and payable. Collect a statement from the water and/or sewer district or other evidence
of payment indicating payment of all water and sewer charges due and payable.
Section VII TITLE INSURANCE COMMITMENT/POLICY
X Prior to disbursement, update title commitment to the date of closing.

-x-- Fax written update to lender prior to closing.
x Within 120 days after loan closing, mail a final Title Policy to: ANPAC FUNDING CORP.
D/B/A ANPAC LENDING GROUP 1401 COVE Street, Suite 100, Document Control
Newport Beach, CA 92660
X ALTA Policy must contain endorsements 100, 116, 8.1 and 111.5
X Collect payment for all listed endorsements and include in final ALTA policy.
_x_ _ Liability subject only to: General taxes and special taxes for fiscal year MUST BE
CURRENT
_x_ _ Funds may be used for account of the vestees, and you will record all instruments when
you comply with the following:
K. The vesting should read as follows: - BARRY BORROWER AND BARBARA
BORROWER HUSBAND AND WIFE AS COMMUNITY PROPERTY
X Issue said form of policy showing title vested as shown above.
X ALTA policy must cover $ 166,500.00
K Issue said form of ALTA policy free from encumbrances except items: 3, 6, and 7 of
preliminary Title Report dated 07-30-XX
Secondary financing in the amount of $ NOT ALLOWED
Section VIII. ESCROW ACCOUNTING

_x_ _ Prior to releasing the wired funds the Closer must updated estimated HUD-1.
_
x __ Insert an aggregate escrow adjustment amount of $ -52.82 in the last line of the 1000
series of the HUD-1 Settlement Statement.
Page 2of 4

Section IX. RECORDING INSTRUCTIONS
_X__ Record the following documents with the Clerk and Recorder of LOS ANGELES County
State of CALIFORNIA order and within the necessary timeframes for issuance of a Title
Policy meeting Lender's closing conditions/requirements.
Specific Power of Attorney for Seller
Deed from Seller vesting title in Borrower
Specific Power of Attorney for Borrower
Security Instrument, with any Riders
Assignment to ANPAC FUNDING CORPORATION
Return address for Security Instrument and any Riders sent for recording
should be: ANPAC FUNDING CORP. D/B/A ANPAC LENDING GROUP
1401 COVE Street, Suite100, Document Control Newport Beach, CA 92606
Return address for assignment sent for recording should be:
ANPAC FUNDING CORP. D/B/A ANPAC LENDING GROUP 1401 COVE
Street, Suite100, Document Control Newport Beach, CA 92606
Return address for Borrower's Power of Attorney sent for recording should
be:
Return address for Seller's Power of Attorney sent for recording should be:
Section X. DISBURSEMENT REQUIREMENTS
_X__ When the transaction Is a resclndable transaction, do not disburse and/or deposit
any funds until the expiration of the rescission period. The Closer must reconfirm
with all parties to the transaction, including the ANPAC Lending Funder that the ANPAC
Lending loan is to close.
_x__ Funds for this transaction shall be delivered in the form of a wire transfer. If funds are
not disbursed within 48 hours of receipt said funds must be returned to Lender
and may be subject to penalty.
Return wiring Instructions:
Bank: Banker's Trust Company

Address: New York, N. Y. 10006
ABA#: 0000000000
Acct#: 00000000
Acct Name: ANPACICDC 00000
Credit To: 0000000000
_x__ Broker checks wlll be held, In all wet funding states, until Funder has confirmed
receipt of all original documentation.
_X__ If an invoice is provided, disburse directly to the service provider as instructed on HUD-1
Settlement Statement.
Section XI. DELIVERY OF DOCUMENTATION
_x__ Within 48 hours of funding the following documents must be delivered to lender by next
day overnight at: AN PAC lending Group 1401 COVE Street, Suite 100, FUNDING
Newport Beach, CA 92606
_x__ When the transaction is a rescindable transaction all loan documents must be returned
and reviewed by the lender prior to funding.
NOTE: All documents must show signatures and dates. All signatures on
documents must exactly match names as typed and as appear In recorded
documents. All documents must be signed In person, after you have
obtained proper Identification, and signatures must be acknowledged by a
notary public if there Is an acknowledgement block Included In a
document.
ALL FEDERAL TRUTH-IN-LENDING DISCLOSURES MUST BE EXECUTED PRIOR

TO EXECUTION OF THE NOTE, SECURITY INSTRUMENT AND OTHER LOAN
DOCUMENTS.
Documents to be collected from Borrower:

L Evidence of completion of all lender closing conditions listed in Section I above.
L Hazard insurance policy or certificate of insurance.
Flood insurance application, together with evidence of payment of flood
insurance premium.
Survey.
Page3of 4

Section XI. DELIVERY OF DOCUMENTATION (cont.)
Documents to be provided by Lender:

_X__ Original and/or certified copies of Note, with any Riders.
_X__ certified copies of Security Instrument, with any Riders.
x__ certified copies of Assignment.
_X__ certified copies of Deed, with any Riders.
_x__ Original Truth-in-Lending Disclosure and copy of any requested
Financed.
X Compliance Agreement
-x-- Acknowledgement of Receipt of Notice of Right to cancel.
-x-- I.R.S. Form W-9 or W-8.
X Name Affidavit.
X Initial Escrow Account Statement.
X First Payment Letter.
_x_ _ Occupancy Affidavit.
_x_ _ Notice of Transfer of Servicing.
_x_ _ State of California requires Borrowers to execute the Truth and Lending
documents.
Documents to be provided by Settlement Agent:

_X__ Copies of the following disbursement checks:
Mortgage Insurance Premium
Hazard Insurance Premium
Broker Fee
_x_ _ Certified copy of Specific Power of Attorney for Borrower & Seller, as
applicable
X Original HUD-1 Settlement Statement with 2 certified copies
-x-- Original Buyer/Seller Statements Lien Affidavit
x Copy of Payoffs
X Copy of Tax Information Form
X Copy of Tax Agreement(s) and Tax certificate.
_x_ _ When the transaction is a rescindable transaction all loan documents

must be returned and reviewed by the Lender prior to funding.
x_ _ Delivery of the warehouse/collateral package, including original Note,
according to instructions previously provided by Lender.
_x__ DELIVERY OF DOCUMENTS TO LENDER IS AT SETTLEMENT
AGENTS EXPENSE.
Section XII. MISCELLANEOUS
On , I/we have closed this loan in accordance with these Closing Instructions. In
addition, all required documentation is included in this closing package.
BY: Title
Page 4 of 4

2500020183
BORROWER
1277 ANYWERE STREET
ANY CITY, AS 00000
ANPAC FUNDING CORP.

D/8/A ANPAC LENDING GROUP,
A CALIFORNIA CORPORATION
PRIVATE MORTGAGE INSURANCE TERMINATION DISCLOSURE

(Adjustable Rate, Not High Risk)
We (Lender) require that you (Borrower) maintain private mortgage insurance ("PMI") in connection with
your mortgage loan. PMI protects lenders and others against financial loss if borrowers default. Federal law
provides that, under certain circumstances, you may have the right to cancel PMI. Federal law also
establishes when PMI must be terminated. This Disclosure describes those cancellation and termination
rights.
Please note that PMI is not the same as property/casualty insurance, which may protect you against damage
to your property, and cancellation or termination of PMI does not affect any types of insurance.
I. BORROWER CANCELLATION.
You have the right to request cancellation of PMI at any time on or after:
(1) the date on which the principal balance of the loan, based solely on the amortization schedule then in
effect, is first scheduled to reach 80% of the original value of the property securing the loan. [If your
mortgage loan is a balloon loan, this date may not be reached before your loan matures.]; or
(2) the date on which the principal balance of the loan, based solely on actual payments made, reaches 80%
of the original value of the property securing the loan.
You will be notified when these dates are reached.
"Original value" means the lesser of the sales price or the appraised value of the property securing the loan.
If this is a refinance loan, "original value" means the appraised value relied on by us to approve your loan.
PMI shall then be cancelled if you meet all of the following requirements:
(I) You must submit your cancellation request in writing to the servicer of your loan.
(2) You must have a good payment history on your loan. "Good payment history" means that you have not
made a mortgage payment that was 60 days or longer past due during the 24 months preceding the later
of the cancellation date or the date of your last cancellation request and that you have not made a
mortgage payment that was 30 days or longer past due during the 12 months preceding the later of the
cancellation date or the date of your cancellation request.
(3) You must be current on your mortgage loan payments as required by the terms of your mortgage loan.
Page I

(4) You must have satisfied the note holder's requests for:
(a) evidence that the value of the property securing the note has not declined below its original value;
and
(b} certification that you do not have a subordinate lien on the equity in the property.
2. AUTOMATIC TERMINATION
If you are current on your mortgage Joan payments, PMI wiJI automaticaUy terminate when the principal
balance of your loan is scheduled to reach, based solely on the amortization schedule then in effect, 78% of
the original value, unless you wilJ earlier reach 75% of the original appraised value of the property. [If your
mortgage loan is a balloon loan, this date may not be reached before your loan matures.) If, on that date,
you are not current on your mortgage loan payments, PMI wiJI automatically terminate on the first day of
the first month after the date on which you become current.
3. EXEMPTIONS
There are certain exemptions to the right to cancellation and automatic termination of PMI. These
exemptions relate to certain mortgage loans with higher risks associated with the extension of credit. These
exemptions do not apply to your loan transaction.
4. STATELAW
If your property is located in California, Minnesota or New York, state law may require that PMI on your
loan be terminated earlier than the Borrower Cancellation and Automatic Termination dates described
above. If you have any questions about the applicability of state law to PMI on your loan, please contact the
servicer of your loan.
BARRY BORROWER
BARBARA BORROWER
Page2

Another random document with
no related content on Scribd:
Val de Fuentes, Septembre, 1811.
Je reçu le—du courant, mon cher général votre réponse du—à la
lettre que je vous écrivis le—, et je m’empressai d’en communiquer
le continue à S. E. le maréchal duc de Ragusa, qui me charge de me
mettre en communication avec vous. Je m’en acquitterai avec plaisir
puisque c’en est toujours un nouveau pour moi de récevoir de vos
nouvelles. Je vous annonce qu’un approvisionnement très
considérable se prépare à Salamanque par les soins du général-en-
chef Dorsenne, le maréchal, sur lequel vous pouvez compter aussi
fait des preparatifs pour vous envoyer des vivres. Tous les convois
partiront sous bonne escorte, et se mettront en marche d’après ce
que je presume du—au—du courant au plus tard. Dans tous les cas
ne vous impatientez pas. Nous sommes prêts à venir à votre
sécours de toutes les manières. Vous ne sauriez trop de votre côté
nous mettre au courant de la force de la position et enfin vous ne
pourriez nous donner trop de détails sur l’armée Anglo-Portugaise.
Je reçois à l’instant le billet que vouz avez écrit hier au général
Boyer, par lequel vous nous faites connoître que d’après tous les
renseignemens que vouz avez obtenus, vouz croyez que les sept
divisions Anglaises sont dans vos parages. Il importe de s’en
assurer positivement de connoître leur position, et, s’il est possible,
leur composition. II parait que vous n’avez pas beaucoup de monde
dans votre place sur qui vous puissiez compter. Proposez à l’homme
que je vous envoie d’aller reconnoître les Anglais à Gallegos et
Fuente Guinaldo, et de révenir par El Bodon, et vous me le
renverriez ensuite. Dites lui que je le paierai bien s’il veut faire cette
tournée, mais s’il s’y refuse je vous prie de ne pas l’y contraindre.
&c., &c.
General Walker to lord Wellington.

“Coruna, September 4, 1811.
“I saw the whole of the troops with him (general Abadia) in and
about a league in front of Astorga, having their advanced posts on
the Esla, the whole not amounting to above seven thousand men,
independent of a reserve of about fifteen hundred near Foncebadon
and Bembibre or on the road from Lugo. The force of the enemy in
his front when collected being estimated at about thirteen thousand
men. The wretched situation of the Gallician troops, in want almost
of every thing, one-third part at least without shoes, and dependent
on the precarious subsistence that can day by day be collected,
certainly does credit to their patience and good inclination.”
————“In consequence of this movement, (Abadia’s retreat,) the
great road by Manzanal and Bembibre being left open or nearly so,
the French pushed forward on it so rapidly that shortly after my
arrival here (Coruña) intelligence was received of their having got
possession of the important pass of Villa Franca, and that the
Gallician troops thus cut off from it, had been obliged to make their
retreat by the Valdes Orres. Without any correct information of the
force of the enemy, and the entrance of Gallicia thus left entirely in
his hands, a very considerable alarm was for some time occasioned
here, of which I took every advantage to urge upon the junta the
necessity of a full compliance with the recommendation and wishes
of the general to enable him to put the troops in such a state of
equipment as might render them, either for defence or attack, in
every way disposable in his hands; and at the same time to put
Coruña into temporary security by withdrawing to it all the guns
(amounting to no less than fifteen hundred) of the indefensible
arsenal of Ferrol, which would otherwise become a sure depôt for
the enemy in any attack he might contemplate on this place, and
who might not otherwise venture to bring with him heavy artillery on
so distant an excursion.”
section 2.
Official letters from the prince of Neufchatel to marshal Marmont,

extracted from the duke of Rovigo’s Memoirs.
“Paris, le 21 Novembre, 1811.
“L’empereur me charge de vous faire connaître, monsieur le
maréchal, que l’objet le plus important en ce moment est la prise de
Valence. L’empereur ordonne que vous fassiez partir un corps de
troupes qui, réuni aux forces que le roi détachera de l’armée du
centre, se dirige sur Valence pour appuyer l’armée du maréchal
Suchet jusqu’à ce qu’on soit maître de cette place.
“Faites exécuter sans délai cette disposition de concert avec S. M.
le roi d’Espagne, et instruisez-moi de ce que vous aurez fait a cet
égard. Nous sommes instruits que les Anglais ont vingt mille
malades, et qu’ils n’ont pas vingt mille hommes sous les armes, en
sorte qu’ils ne peuvent rien entreprendre; l’intention de l’empereur
est donc que douze mille hommes, infanterie, cavalerie et sapeurs,
marchent de suite sur Valence, que vous détachiez même trois à
quatre mille hommes sur les derrières, et que vous, monsieur le
maréchal, soyez en mesure de soutenir la prise de Valence. Cette
place prise, le Portugal sera près de sa chute, parcequ’alors, dans la
bonne saison, l’armée de Portugal sera augmentée de vingt-cinq
mille hommes de l’armée du midi et de quinze mille du corps du
général Reille, de manière à réunir plus de quatre-vingt mille
hommes. Dans cette situation, vous recevriez l’ordre de vous porter
sur Elvas, et de vous emparer de tout l’Alemtejo dans le même
temps que l’armée du nord se porterait sur la Coa avec une armée
de quarantre mille hommes. L’équipage de pont qui existe à Badajoz
servirait à jeter des ponts sur le Tage; l’ennemi serait hors d’état de
rien opposer à une pareille force, qui offre toutes les chances de
succès sans presenter aucun danger. C’est donc Valence qu’il faut
prendre. Le 6 Novembre nous étions maîtres d’un faubourg; il y a
lieu d’espérer que la place prise en Décembre, ce qui vous mettrait,
monsieur le duc, à portée de vous trouver devant Elvas dans le
courant de Janvier. Envoyez moi votre avis sur ce plan d’opérations,
afin qu’après avoir reçu l’avis de la prise de Valence, l’empereur
puisse vous donner des ordres positifs.
“Le prince de Wagram et de Neuchâtel, major-général.”
(Signé) “Alexandre.”
“Paris, le 15 Février, 1812.

“Sa majesté n’est pas satisfaite de la direction que vous donnez à
la guerre. Vouz avez la supériorité sur l’ennemi, et au lieu de prendre
l’initiative, vous ne cessez de la reçevoir. Quand le général Hill
marche sur l’armée du midi avec quinze mille hommes c’est ce qui
peut vous arriver de plus heureux; cette armée est assez forte et
assez bien organisée pour ne rien craindre d’armée Anglaise, aurait-
elle quatre ou cinq divisions réunies.
“Aujourd’-hui l’ennemi suppose que vous allez faire le siège de
Rodrigo; il approche le général Hill de sa droite afin de pouvoir le
faire venir à lui à grandes marches, et vous livrer bataille réunis, si
vous voulez reprendre Rodrigo. C’est donc au duc de Dalmatie à
tenir vingt mille hommes pour le contenir et l’empêcher de faire ce
mouvement, et si général Hill passe le Tage, de se porter à sa suite,
ou dans l’Alemtejo. Vous avez le double de la lettre que l’empereur
m’a ordonné d’écrire au duc de Dalmatie le 10 de ce mois, en
réponse à la demande qu’il vous avait faite de porter des troupes
dans le midi; c’est vous, monsieur le maréchal, qui deviez lui écrire
pour lui demander de porter un grand corps de troupes vers la
Guadiana, pour maintenir le général Hill dans le midi et l’empêcher
de se réunir à lord Wellington.... Les Anglais connaîssent assez
l’honneur français pour comprendre que ce succès (la prise de
Rodrigo) peut devenir un affront pour eux, et qu’au lieu d’améliorer
leur position, l’occupation de Ciudad Rodrigo les met dans
l’obligation de défendre cette place. Ils nous rendent maîtres du
choix du champ de bataille, puisque vous les forcez à venir au
sécours de cette place et à combattre dans une position si loin de la
mer.... Je ne puis que vous répéter les ordres de l’empereur. Prenez
votre quartier-général à Salamanque, travaillez avec activité à
fortifier cette ville, réunissez-y un nouvel équipage du siège pour
servir à armer la ville, formez-y des approvisionnemens, faites faire
tous les jours le coup de fusil avec les Anglais, placez deux fortes
avant gardes qui menacent, l’une Rodrigo, et l’autre Almeida;
menacez les autres directions sur la frontière de Portugal, envoyez
des partis qui ravagent quelques villages, enfin employez tout ce qui
peut tenir l’ennemie sur le qui-vive. Faites réparer les routes de
Porto et d’Almeida. Tenez votre armée vers Toro, Benavente. La
province d’Avila a même de bonnes parties où l’on trouverait des
ressources. Dans cette situation qui est aussi simple que formidable,
vous reposez vos troupes, vous formez des magasins, et avec de
simples démonstrations bien combinées, qui mettent vos avant-
postes à même de tirer journellement des coups de fusil avec
l’ennemi, vous aurez barre sur les Anglais, qui ne pourront vous
observer.... Ce n’est donc pas à vous, monsieur le duc, à vous
disséminer en faveur de l’armée du midi. Lorsque vous avez été
prendre le commandement de votre armée elle venait d’éprouver un
échec par sa retraite de Portugal; ce pays était ravagé, les hôpitaux
et les magasins de l’ennemi étaient à Lisbonne; vos troupes étaient
fatiguées, dégoutées par les marches forcées, sans artillerie, sans
train d’équipages. Badajoz était attaqué depuis long temps; une
bataille dans le midi n’avait pu faire lever le siège de cette place.
Que deviez vous faire alors? Vous portez sur Almeida pour menacer
Lisbonne? Non, parceque votre armée n’avait pas d’artillerie, pas de
train d’équipages, et qu’elle était fatiguée. L’ennemi à cette position,
n’aurait pas cru à cette menace; il aurait laissé approcher jusqu’à
Coimbre, aurait près Badajos, et ensuite serait venu sur vous. Vous
avez donc fait à cette époque ce qu’il fallait faire; vous avez marché
rapidement au secours de Badajoz; l’ennemi avait barre sur vous, et
l’art de la guerre était de vous y commettre. Le siège a été levé, et
l’ennemi est rentré en Portugal; c’est ce qu’il y avait à faire. .... Dans
ce moment, monsieur le duc, votre position est simple et claire, et ne
demande pas de combinaisons d’esprit. Placez vos troupes de
manière qu’en quatre marches elles puissent se réunir et se grouper
sur Salamanque; ayez-y votre quartier-général; que vos ordres, vos
dispositions annoncent à l’ennemi que la grosse artillerie arrive à
Salamanque, que vous y former des magasins.... Si Wellington se
dirige sur Badajoz, laissez le aller; réunissez aussitôt votre armée, et
marcher droit sur Almeida; poussez des partis sur Coïmbre, et soyez
persuadé que Wellington reviendra bien vîte sur vous.
“Ecrivez au duc de Dalmatie et sollicitez le roi de lui écrire
également, pour qu’il exécute les ordres impératifs que je lui donne,
de porter un corps de vingt mille hommes pour forcer le général Hill
à rester sur la rive gauche du Tage. Ne pensez donc plus, monsieur
le maréchal, à aller dans le midi et marchez droit sur le Portugal, si
lord Wellington fait la faute de se porter sur la rive gauche du Tage....
Profitez du moment où vos troupes se réunissent pour bien
organiser et mettre de l’ordre dans le nord. Qu’on travaille jour et nuit
à fortifier Salamanque qu’on y fasse venir de grosses pièces, qu’on
fasse l’équipage de siège; enfin qu’on forme des magasins de
subsistances. Vous sentirez, monsieur le maréchal, qu’en suivant
ces directions et en mettant pour les exécuter toute l’activité
convenable, vous tiendrez l’ennemi en échec.... En recevant
l’initiative au lieu de la donner, en ne songeant qu’ à l’armée du midi
qui n’a pas besoin de vous, puisqu’elle est forte de quatre-vingt mille
hommes des meilleures troupes de l’Europe, en ayant des
sollicitudes pour les pays qui ne sont pas sous votre commandement
et abandonnant les Asturies et les provinces qui vous regardent, un
combat que vous éprouveriez serait une calamité qui se ferait sentir
dans toute l’Espagne. Un échec de l’armée du midi la conduirait sur
Madrid ou sur Valence et ne serait pas de même nature.
“Je vous le répète, vous êtes le maître de conserver barre sur lord
Wellington, en placant votre quartier-général à Salamanque, en
occupant en force cette position, et poussant de fortes
reconnaissances sur les débouches. Je ne pourrais que vous rédire
ce que je vous ai déjà expliqué ci-dessus. Si Badajoz était cerné
seulement par deux ou trois divisions Anglaises, le duc de Dalmatie
le débloquerait; mais alors lord Wellington, affaibli, vous mettrait à
même de vous porter dans l’intérieur du Portugal, ce qui secourrait
plus efficacement Badajoz que toute autre opération.... Je donne
l’ordre que tout ce qu’il sera possible de fournir vous soit fourni pour
completer votre artillerie et pour armer Salamanque. Vingt-quatre
heures après la réception de cette lettre l’empereur pense que vous
partirez pour Salamanque, à moins d’événemens inattendus; que
vous changerez une avant-garde d’occuper les débouches sur
Rodrigo, et une autre sur Almeida; que vous aurez dans la main au
moins la valeur d’une division; que vous ferez revenir la cavalerie et
artillerie qui sont à la division du Tage.... Réunissez surtout votre
cavalerie, dont vous n’avez pas de trop et donc vous avez tant de
besoin....”
“Valladolid, le 23 Février, 1812.

“Au Prince de Neuchâtel.
“Monseigneur,—J’ignore si sa majesté aura daigné accueillir
d’une manière favorable la demande que j’ai eu l’honneur d’adresser
à votre altesse pour supplier l’empereur de me permettre de faire
sous ses yeux la campagne qui va s’ouvrir; mais qu’elle que soit sa
décision, je regarde comme mon devoir de lui faire connaître, au
moment où il semble prêt à s’éloigner, la situation des choses dans
cette partie de l’Espagne.
“D’après les derniers arrangemens arrêtés par sa majesté, l’armée
de Portugal n’a plus le moyen de remplir la tâche qui lui est imposée,
et je serais coupable, si, en ce moment, je cachais la verité. La
frontière se trouve très affaiblie par le départ des troupes qui ont été
rappelées par la prise de Rodrigo, qui met l’ennemi à même d’entrer
dans le cœur de la Castille en commençant un mouvement offensif;
ensuite par l’immense étendue de pays que l’armée est dans le
devoir d’occuper, ce qui rend toujours son rassemblement lent et
difficile, tandis qu’il y a peu de temps elle était toute réunie et
disponible.
“Les sept divisions qui la composent s’éleveront, lorsqu’elles
auront reçu les régimens de marche annoncés, à quarante-quatre
mille hommes d’infanterie environ; il faut au moins cinq mille
hommes pour occuper les points fortifiés et les communications qui
ne peuvent être abandonnés; il faut à peu près pareille force pour
observer l’Esla et la couvrir contre l’armée de Galice, qui
évidemment, dans le cas d’un mouvement offensif des Anglais, se
porterait à Bénavente et à Astorga. Ainsi, à supposer que toute
l’armée soit réunie entre le Duero et la Tormes, sa force ne peut
s’élever qu’à trente-trois ou trente-quatre mille hommes, tandis que
l’ennemi peut présenter aujourd’hui une masse de plus de soixante
mille hommes, dont plus de moitié Anglais, bien outillés et bien
pourvus de toutes choses: et cependant que de chances pour que
les divisions du Tage se trouvent en arrière! Qu’elles n’aient pu être
ralliées promptement, et soient separées de l’armée pendant les
momens les plus importans de la campagne; alors la masse de nos
forces réunies ne s’éleverait pas à plus de vingt-cinq mille hommes.
Sa majesté suppose, il est vrai, que, dans ce pas l’armée du nord
soutiendrait celle de Portugal par deux divisions; mais l’empereur
peut-il être persuadé que, dans l’ordre de chose actuel, ces troupes
arriveront promptement et à temps?
“L’ennemi parait en offensive: celui qui doit le combattre prépare
ses moyens; celui qui doit agir hypothétiquement attend sans
inquiétude, et laisse écouler en pure perte un temps précieux;
l’ennemi marche à moi, je réunis mes troupes d’une manière
méthodique et précise, je sais à un jour près le moment où le plus
grand nombre au moins sera en ligne, à qu’elle époque les autres
seront en liaison avec moi, et, d’après cet état de choses, je me
détermine à agir ou à temporiser; mais ces calculs, je ne puis les
faire que pour des troupes qui sont purement et simplement à mes
ordes. Pour celles qui n’y sont pas, que de lenteurs! que
d’incertitudes et de temps perdu. J’annonce la marche de l’ennemi et
je demande des secours, on me répond par des observations; ma
lettre n’est parvenue que lentement parceque les communications
sont difficiles dans ce pays; la réponse et ma réplique vient de
même, et l’ennemi sera sur moi. Mais comment pourrai-je même
d’avance faire des calculs raisonnables sur les mouvemens de
troupes dont je ne connais ni la force ni l’emplacement? Lorsque je
ne sais rien de la situation du pays ni des besoins de troupes qu’on y
éprouve. Je ne puis raisonner que sur ce qui est à mes ordres, et
puisque les troupes qui n’y sont pas me sont cependant nécessaires
pour combattre, et sont comptées comme partie de la force que je
dois opposer à l’ennemi, je puis en fausse position, et je n’ai les
moyens de rien faire méthodiquement et avec connaissance de
cause.
“Si l’on considère combien il faut de prévoyance pour exécuter le
plus petit mouvement en Espagne, on doit se convaincre de la
nécessité qu’il y a de donner d’avance mille ordres préparatoires
sans lesquels les mouvemens rapides sont impossibles. Ainsi les
troupes du nord m’étant étrangères habituellement, et m’étant
cependant indispensables pour combattre, le succès de toutes mes
opérations est dépendant du plus ou du moins de prévoyance et
d’activité d’un autre chef: je ne puis donc pas être responsable des
événemens.
“Mais il ne faut pas seulement considérer l’état des choses pour la
défensive du nord, il faut la considérer pour celle du midi. Si lord
Wellington porte six divisions sur la rive gauche du Tage le duc de
Dalmatie a besoin d’un puissant secours; si dans ce cas, l’armée du
nord ne fournit pas de troupes pour réléver une partie d’armée de
Portugal dans quelques-uns des postes qu’elle doit évacuer alors
momentanement, mais qu’il est important de tenir, et pour la sûreté
du pays et pour maintenir la Galice et observer les deux divisions
ennemies qui seraient sur l’Agueda, et qui feraient sans doute
quelques demonstrations offensives; si dis-je l’armée du nord ne
vient pas à son aide, l’armée de Portugal, trop faible, ne pourra pas
faire un détachement d’une force convenable, et Badajoz tombera.
Certes, il faut des ordres pour obtenir de l’armée du nord un
mouvement dans cette hypothèse, et le temps utile pour agir; si on
s’en tenait à des propositions et à des négociations, ce temps, qu’on
ne pourrait remplacer, serait perdu en vaines discussions. Je suis
autorisé à croire ce résultat.
“L’armée de Portugal est en ce moment la principale armée
d’Espagne; c’est à elle à couvrir l’Espagne contre les entreprises des
Anglais; pour pouvoir manœuvrer, il faut qu’elle ait des points
d’appui, des places, des forts, des têtes-de-pont, etc.
“Il faut pour cela du matériel d’artillerie, et je n’ai ni canons ni
munitions à y appliquer, tandis que les établissemens de l’armée du
nord en sont tout remplis; j’en demanderai, on m’en promettra, mais
en résultat je n’obtiendrai rien.
“Après avoir discuté la question militaire, je dirai un mot de
l’administration. Le pays donné à l’armée de Portugal a des products
présumés le tiers de ceux des cinq gouvernemens.
“L’armée de Portugal est beaucoup plus nombreuse que l’armée
du nord; le pays qu’elle occupe est insoumis; on n’arrache rien
qu’avec la force, et les troupes de l’armée du nord ont semblé
prendre à tâche, en l’évacuant, d’en enléver toutes les ressources.
Les autres gouvernemens, malgré les guérillas, sont encore dans la
soumission, et acquittent les contributions sans qu’il soit besoin de
contrainte. D’après cela il y a une immense différence dans le sort
de l’une et de l’autre et comme tout doit tendre au même but, que
partout ce sont les soldats de l’empereur, que tous les efforts doivent
avoir pour objet le succès des opérations, ne serait-il pas juste que
les ressources de tous ces pays fussent partagées
proportionnellement aux besoins de chacun; et comment y parvenir
sans une autorité unique?
“Je crois avoir demontré que, pour une bonne défensive du nord,
le général de l’armée de Portugal doit avoir toujours à ses ordres les
troupes et le territoire de l’armée du nord, puisque ces troupes sont
appelées à combattre avec les siennes, et que les ressources de ce
territoire doivent être en partie consacrées à les entretenir.
“Je passe maintenant à ce qui regarde le midi de l’Espagne. Une
des tâches de l’armée de Portugal est de soutenir l’armée du midi,
d’avoir l’œil sur Badajoz et de couvrir Madrid; et pour cela, il faut
qu’un corps assez nombreux occupe la vallée du Tage; mais ce
corps ne pourra subsister et ne pourra préparer des ressources pour
d’autres troupes qui s’y rendraient pour le soutenir, s’il n’a pas un
territoire productif, et ce territoire, quel autre peut-il être que
l’arrondissement de l’armée du centre? Quelle ville peut offrir des
ressources et des moyens dans la vallée du Tage si ce n’est Madrid?
Cependant aujourd’hui l’armée de Portugal ne possède sur le nord
du Tage, qu’un désert qui ne lui offre aucune espèce de moyens, ni
pour les hommes ni pour les chevaux, et elle ne rencontre de la part
des autorités de Madrid, que haine, qu’animosité. L’armée du centre,
qui n’est rien, possède à elle seule un territoire plus fertile, plus
étendu que celui qui est accordé pour toute l’armée de Portugal;
cette vallée ne peut s’exploiter faute de troupes, et tout le monde
s’oppose à ce que nous en tirions des ressources. Cependant si les
bords du Tage étaient évacués par suite de la disette, personne à
Madrid ne voudrait en apprécier la véritable raison, et tout le monde
accuserait l’armée de Portugal de découvrir cette ville.
“Il existe, il faut le dire, une haine, une animosité envers les
Français, qu’il est impossible d’exprimer, dans le gouvernement
espagnol. Il existe un désordre à Madrid qui présente le spectacle le
plus révoltant. Si les subsistances employées en de fausses
consommations dans cette ville eussent été consacrées à former un
magasin de ressources pour l’armée de Portugal, les troupes qui
sont sur le Tage seraient dans l’abondance et pourvues pour long-
temps; on consomme 22 mille rations par jour à Madrid, et il n’y a
pas 3,000 hommes: c’est qu’on donne et laisse prendre à tout le
monde, excepté à ceux qui servent. Mais bien plus, je le répete,
c’est un crime que d’aller prendre ce que l’armée du centre ne peut
elle-même ramasser. Il est vrai qu’il parait assez conséquent que
ceux qui, depuis deux ans, trompent le roi, habillent et arment
chaque jour des soldats qui, au bout de deux jours, vont se joindre à
nos ennemis, et semblent en vérité avoir ainsi consacré un mode
régulier decrutement des bandes que nous avons sur les bras,
s’occupent de leur réserver des moyens de subsistances à nos
dépens.
“La seule communication carrossable entre la gauche et le reste
de l’armée de Portugal est par la province de Ségovie, et le
mouvement des troupes et des convois ne peut avoir lieu avec
facilité, parceque, quoique ce pays soit excellent et plein de
ressources, les autorités de l’armée du centre refusent de prendre
aucune disposition pour assurer leurs subsistances.
“Si l’armée de Portugal peut être affranchie du devoir de sécourir
le midi, de couvrir Madrid, elle peut se concentrer dans la Vieille-
Castille, et elle s’en trouvera bien; alors tout lui devient facile; mais si
elle doit au contraire remplir cette double tâche, elle ne le peut qu’en
occupant la vallée du Tage, et dans cette vallée elle ne peut avoir les
ressources nécessaires pour y vivre, pour y manœuvrer, pour y
préparer des moyens suffisans pour toutes les troupes qu’il faudra y
envoyer, qu’en possédant tout l’arrondissement de l’armée du centre
et Madrid. Ce territoire doit conserver les troupes qui l’occupent à
présent, afin qu’en marchant à l’ennemi, l’armée ne soit obligée de
laisser personne en arrière mais qu’au contraire elle en tire quelque
secours pour sa communication. Elle a besoin surtout d’être délivrée
des obstacles que fait naître sans cesse un gouvernement
veritablement ennemi des armes françaises; quelles que soient les
bonnes intentions du roi, il parait qu’il ne peut rien contre l’intérêt et
les passions de ceux qui l’environnent; il semble également que
jusqu’à présent il n’a rien pu contre les désordres qui out lieu à
Madrid, contre l’anarchie qui règne à l’armée du centre. Il peut y
avoir de grandes raisons en politique pour que le roi réside à Madrid,
mais il y a mille raisons positives et de sûreté pour les armes
françaises, qui sembleraient devoir lui faire choisir un autre séjour. Et
en effet, ou le roi est général et commandant des armées, et dans ce
cas il doit être au milieu des troupes, voir leurs besoins, pourvoir à
tout, et être responsable; ou il est étranger à toutes les opérations, et
alors, autant pour sa tranquillité personnelle que pour laisser plus de
liberté dans les opérations, il doit s’éloigner du pays qui en est le
théâtre et des lieux qui servent de points d’appui aux mouvemens de
l’armée.
“La guerre d’Espagne est difficile dans son essence, mais cette
difficulté est augmentée de beaucoup par la division des
commandemens et par le grande dimunition des troupes que cette
division rend encore plus funeste. Si cette division a déjà fait tant de
mal, lorsque l’empereur, étant à Paris, s’occupant sans cesse de ses
armées de la péninsule, pouvait en partie remédier à tout, on doit
fremir du résultat infallible de ce système, suivi avec diminution de
moyens, lorsque l’empereur s’eloigne de trois cents lieues.
“Monseigneur, je vous ai exposé toutes les raisons qui me
semblent démontrer jusqu’à l’évidence la nécessité de réunir sous la
même autorité toutes les troupes et tout le pays, depuis Bayonne
jusques et y compris Madrid et la Manche; en cela, je n’ai été guidé
que par mon amour ardent pour la gloire de nos armes et par ma
conscience. Si l’empereur ne trouvait pas convenable d’adopter ce
système j’ose le supplier de me donner un successeur dans le
commandement qu’il m’avait confié. J’ai la confiance et le sentiment
de pouvoir faire autant qu’un autre, mais tout restant dans la
situation actuelle la charge est au-dessus de mes forces. De
quelques difficultés que soit le commandement général,
quelqu’imposante que soit la responsabilité qui l’accompagne, elles
me paraissent beaucoup moindres que celles que ma position
entraine en ce moment.
“Quelque flatteur que soit un grand commandement, il n’a de prix
à mes yeux que lorsqu’il est accompagné des moyens de bien-faire:
lorsque ceux-ci me sont enlevés, alors tout me paraît préférable, et
mon ambition se réduit à servir en soldat. Je donnerai ma vie sans
regret, mais je ne puis rester dans la cruelle position de n’avoir pour
résultat de mes efforts et de mes soins de tous les momens, que la
triste perspective d’attacher mon nom à des événemens facheux et
peu dignes de la gloire de nos armes.
“(Signé) Le Maréchal Duc de Raguse.”
Joseph to Napoleon.
Madrid, May 18, 1812.
Sire,—Il y a aujourd’hui un mois et demi que j’ai reçu la lettre du
prince de Neufchatel en dâte du 16 Mars dernier, qui m’annonce que
votre majesté impériale et royale me confiait le commandement de
ses armées en Espagne, et me prévenait que les généraux-en-chef
des armées du Nord, de Portugal, du midi, et de l’Arragon recevaient
les ordres convenables.
Depuis cette époque il m’a été impossible de remplir les intentions
de V. M. impériale et royale. Le général-en-chef de l’armée du nord
s’est refusé à m’envoyer aucune rapport disant, et écrivant qu’il
n’avait aucun ordre à cet égard. M. le maréchal commandant en chef
l’armée du midi n’a encore répondu à aucune des lettres que je lui ai
écrites ou fait écrire depuis cette époque. M. le maréchal
commandant-en-chef l’armée d’Arragon ne m’envoye aucune
rapport, et reste entièrement isolé de moi. M. le maréchal
commandant-en-chef l’armée de Portugal m’a fait beaucoup de
demandes auxquelles il savait parfaitement que je ne pouvais
satisfaire, comme celles des troupes de l’armée du nord, des vivres,
&c. Sa conduite est tellement indécente qu’elle n’est pas
concevable. V. M. I. et R. pourra en juger par mes dépêches au
prince de Neufchatel.————Sire, en acceptant le commandement
des armées françaises à l’époque ou je l’ai reçu, j’ai cru remplir un
devoir que tous les liens qui m’attachent à V. M. I. et R. et à la
France m’imposaient parceque j’ai pensé pouvoir être utile, mais
j’étais persuadé que V. M. I. et R. me confiant un dépôt si précieux
les généraux-en-chef s’empresseraient d’obéir à la volonté de V. M.
Il n’en est pas ainsi, je m’adresse donc à elle pour qu’elle veuille
bien écrire ou faire écrire aux généraux-en-chef qu’elle est sa
volonté pour qu’elle leur fasse déclarer que leur désobeissance à
mes ordres les mettrait dans le cas d’être renvoyés en France où ils
trouveraient un juge juste mais sévère dans V. M. I. et R. Si V.
majesté ne trouve pas le moyen de persuader à ces messieurs que
sa volonté est que je sois obéi, je la supplie de considérer que le role
auquel je suis exposé est indigne de mon caractère et du nom de V.
M. Si la guerre du nord a lieu, je ne puis être utile ici qu’autant que je
suis obéi, et je ne puis être obéi qu’autant que ces messieurs
sauront que j’ai le droit de les remplacer; je ne puis infliger, moi,
d’autre punition que celle là à un général-en-chef. Si je ne suis pas
obéi, et que V. M. aille au nord, l’Espagne sera évacué
honteusement par les troupes impériales, et le nom que je porte
aura présidé inutilement à cette époque désastreuse.
Le mal est grand, mais il n’est au-dessus ni de mon devouement
ni de mon courage. C’est à votre majesté à les rendre efficaces par
la force dont il est indispensable qu’elle m’entoure; le salut des
armées impériales et de l’Espagne independent.
No. VI.
TA R I FA .
[The anonymous extracts are from the memoirs and letters of different
officers engaged in the siege. The Roman characters mark
different sources of information.]
section 1.
Number and conduct of the French.
A.
“As to the numbers of the French; the prisoners, the intercepted
letters, the secret information from Chiclana, all accounts, in fact,
concurred in stating that the troops employed exceeded nine
thousand men!”
Extracts from colonel Skerrett’s despatch.

“The enemy’s force employed in the siege is stated at ten
thousand, probably this is in some degree exaggerated.”
B.
“The fact of the enemy, with eleven thousand experienced
soldiers, not having made another effort after his assault of the 31st,
&c.”
Lord Wellington’s despatch.

“January 19, 1812.
“By accounts which I have from Cadiz to the 27th December, I
learn that the enemy invested Tarifa with a force of about five
thousand men on the 20th December, covering their operation
against that place by another corps at Vejer.”
Conduct of the French.
A.
“There was not, on the part of the leading French officer (an old
lieutenant of the 94th) or of his followers, any appearance of panic or
perturbation. Their advance was serene, steady, and silent, worthy of
the 5th corps, of their Austrian laurels, of their ‘vielles moustaches.’”
section 2.
Conduct of the Spanish soldiers.
B.
“At the assault general Copons himself was the only person who
shewed his head above the parapet. The precaution of outflanking
him by three companies of the 47th regiment remedied the chance of
evil, which so lamentable a want of chivalry might have occasioned,
but the knights of older times were probably better fed than were our
poor distressed friends.”
section 3.
Conduct of colonel Skerrett.
A.
“It is necessary to advert to the 18-pounder mounted on the
Gusmans’ tower, as Southey’s History contains some strange
misrepresentation on the subject.” “The French made the 18-
pounder an early object of attack, but they did not succeed in
crushing it. Unfortunately one of the spherical case shot, not
precisely fitting its old and worn calibre, burst in passing over the
town, and killed or wounded a person in the street. This produced
some alarm and complaint amongst the inhabitants for a moment,
and in the first feeling of that moment, Skerrett, with characteristic
impetuosity, directed the gun to be placed ‘hors de service.’ There
was no ambiguity in his command, ‘Let it be spiked.’” “Had he
referred the case to the commanding officer of artillery, the order
would not have been executed, means would have been found to
remove the first impression and tranquillize the people, without the
sacrifice of the gun which might have added materially to the
offensive powers of the garrison, particularly if the siege had been
prolonged.”
B.
“On the 29th of December, colonel Skerrett with a rare activity,
dismounted a 32-pound carronade, that looked into the enemy’s
batteries at the distance of about four hundred yards, and he
succeeded in spiking and knocking off the trunnion of an 18-pounder,
borrowed from the Stately. This gun was mounted on the tower of
the Gusmans.”
General Campbell to lord Liverpool.

“January 3, 1812.
“Annexed is a letter received last night from colonel Skerrett; and,
notwithstanding the despondency therein expressed, which has
been equally so in other letters that I have received from him, my
opinion remains the same as formerly.”
A.
“At the crisis produced by Skerrett’s desire to retire from the town,
and desire to leave the island also, general Campbell sent express
instructions that the town should not be abandoned without the
concurrence of the commanding officers of artillery and engineers;
and accompanied these instructions with a positive command that
every officer and soldier belonging to Gibraltar should, in future, be
stationed in the island, to insure at all events the preservation of that
port.”
section 4.
Sir C. Smith’s conduct.

“Smith never tolerated the idea of surrender—never admitted the
possibility of defeat.”
“Comprehending from the first the resources and capabilities of his
post, and with a sort of intuition anticipating his assailant, he covered
the weak points while he concealed its strength; and so conducted
the skirmish which preceded the investment, that he, as it were,
dictated the whole plan of attack, and in reality pointed out with his
finger the position of the breaching battery.”
“Had the dictates of his vigorous mind and enterprising spirit been
duly listened to within, the defence would have been more active and
more brilliant.”
section 5.
(Extracts.)
Lord Wellington to lord Liverpool.

“January 9, 1812.
“From the accounts which I have received of the place (Tarifa) it
appears to me quite impossible to defend it, when the enemy will be
equipped to attack it. The utmost that can be done is to hold the
island contiguous to Tarifa; for which object colonel Skerrett’s
detachment does not appear to be necessary. I don’t believe that the
enemy will be able to obtain possession of the island, without which
the town will be entirely useless to them, and, indeed, if they had the
island as well as the town, I doubt their being able to retain these
possessions, adverting to the means of attacking them with which
general Ballesteros might be supplied by the garrison of Gibraltar,
unless they should keep a force in the field in their neighbourhood to
protect them.”
Lord Wellington to major-general Cooke.

“February 1, 1812.
“Sir,—I have omitted to answer your letters of the 27th December
and of the 7th January, relating to the correspondence which you
had had, with the governor of Gibraltar, upon the conditional orders,
which you had given colonel Skerrett to withdraw from Tarifa,
because I conclude that you referred that correspondence to the
secretary of state with whom alone it rests to decide whether it was
your duty to recal colonel Skerrett, and whether you performed that
duty at a proper period, and under circumstances which rendered it
expedient that you should give colonel Skerrett the orders in
question. From the report of colonel Skerrett and Lord Proby, and
other information which I had received respecting Tarifa, I concurred
in the orders that you gave to colonel Skerrett, and my opinion on
that subject is not at all changed by what has occurred since. We
have a right to expect that his majesty’s officers and troops will
perform their duty upon every occasion; but we have no right to
expect that comparatively a small number would be able to hold the
town of Tarifa, commanded as it is at short distances, and enfiladed
in every direction, and unprovided with artillery and the walls
scarcely cannon proof. The enemy, however, retired with disgrace
infinitely to the honour of the brave troops who defended Tarifa, and
it is useless to renew the discussion. It is necessary, however, that
you should now come to an understanding with general Campbell
regarding the troops which have been detached from Cadiz and this
army under colonel Skerrett.”
Ditto to Ditto.
“February 25, 1812.
“I have already, in my letter of the 1st instant, stated to you my
opinion regarding Tarifa, I do not think that captain Smith’s letter
throws new light upon the subject. The island appears still to be the
principal point to defend, and the easiest to be defended at a small
expense and risk of loss. Whether the town and the hill of Santa
Catalina can be made subservient to the defence of the island
depends upon circumstances upon which it would be possible to
decide only by having a local knowledge of the place. It is very clear
to me, however, that the enemy will not attack Tarifa in this spring,
and that you will not be called upon to furnish troops to garrison that
place so soon as you expect. If you should be called upon either by
the Spanish government or by the governor of Gibraltar you must
decide the question according to the suggestions which I made to
you in my despatch of the 15th instant. If you should send a
detachment from Cadiz at the desire of the Spanish government for
purposes connected with the operations of general Ballesteros, I
conceive that the governor of Gibraltar has nothing to say to such
detachments, if you should send one to Tarifa at the desire of the
governor of Gibraltar, or of the Spanish government, it is better not to
discuss the question whether the detachment shall or shall not obey
the orders of the governor of Gibraltar. He has occupied Tarifa
permanently, and he is about to improve the defences of the place
which he conceives to be under his orders; but, according to all the
rules of his majesty’s service, the senior officer should command the
whole. I have nothing to say to the division of the command of the
island and town of Tarifa, which I conclude has been settled by the
governor of Gibraltar.”
Extract from the notes of an officer engaged in the siege.

“Though the duke of Wellington yielded to the opinions and wishes
of general Cooke, colonel Skerrett, and lord Proby, yet his
characteristic and never failing sagacity seems to have suggested to
him a fear or a fancy, that part of the case was kept concealed. A
local knowledge was necessary, not only to judge of the relation and

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9. Conveyance Instruments ....................................... 437

10. Notes and Security Instruments ............... ~· ................ 455

11. Notice of Right to Cancel Forms ................................ 477

12. USA Patriot Act CIP Forms ..................................... 495

13. Affidavits........................................................ sos

Notary Signing Agent Code of Conduct ................................ 535

About the Publisher .................................................... 565

iv I The Notary Signing Agent's Loan Documents Sourcebook

"Some people have greatness thrust upon them.

In these early years of the fledgling Notary Signing Agent vocation, it

Everyone who aspires to be a Notary Signing Agent must start at the

In addition, separate chapters of this Sourcebook contain several exam-

You are to be commended for recognizing that the excellence of which

vi The Notary Signing Agent's Loan Documents Sourcebook

To receive assignments from a title office, escrow agent, or signing

The importance of Notary Signing Agents acquiring knowledge of partic-

The signing service representative leading the meeting passed out an

Knowledge, as important as it is, is only half the battle.

Notary Signing Agents need confidence in presenting documents as

The purpose of this book is to instill a measure of needed knowledge and

Part I attempts to bridge the gap of inexperience by reprinting full and

A review of these complete document sets will yield an enhanced knowl-

2 I The Notary Signing Agent's Loan Documents Sourcebook

Notwithstanding this limitation. Part II of this book presents several

In particular, chapters in Part II discuss and illustrate the following

• Signature and name affidavits:

• Deeds used to convey title to real property:

• Promissory notes and security instruments:

• Customer Identification Program (CIP) forms required under the "Unit-

We include in an Appendix the current draft of the SPW Code of Con-

We have attempted to include document packages which contain ele-

Since these forms are reproductions of documents used in actual loan

The security instrument (deed of trust or mortgage) is abridged in most

Part 1: Signing Agent Transactions 5

As the mortgage origination numbers suggest, when refinance transac-

Chapter 1: Refinance Loans 7

Forms in Sample Set 1 Pages

1. Uniform Residential Loan Application 14-16

2. Amended Escrow Instructions ............... 17

3. ALTA Settlement Statement 18-20

4. Crucial Data Proof Sheet 21

5. Closing Instructions ............. ............... 22-25

6. Private Mortgage Insurance Termination Disclosure 26-27

7. California Private Mortgage Insurance Termination

8. Deed of Trust ............... 30-40

9. Adjustable Rate Note 41-43

10. Interest-Only Addendum to Adjustable Rate

11. Adjustable Rate Rider .. 46-47

12. Interest-Only Addendum to Adjustable Rate Rider 48

13. Addendum to Note................ ...... 49

14. Borrower's Income Certification 50

15. Variable Rate Mortgage Program Disclosure .51