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DEMO-14-2352 Inspection Worksheet Miami Shores Village 10050 N.E. 2nd Avenue Miami Shores, FL Phone: (305)795-2204 Fax: (305)756-8972 nspection Number: INSP-222280 Permit Number: DEMO-10-14-2352 Inspection Date: April 22, 2015 Permit Type: Demolition Inspector: Rodriguez,Jorge Inspection Type: Final Owner: STEAD, MARC GREGORY Work Classification: Building Job Address:93 NW 93 Street Miami Shores, FL 33150-2232 Phone Number Parcel Number 1131010340240 Project: <NONE> Contractor: HOME OWNER Building Department Comments REMOVAL OF WALL PARTITION REMOVAL OF Infractio Passed Comments CABINETS UPPER AND LOWER REMOVAL OF INSPECTOR COMMENTS True DISHWASHER AND OPENING IN LIVING ROOM AREA Inspector Comments Passed Failed Correction ❑ Needed Re-Inspection ❑ Fee No Additional Inspections can be scheduled until re-inspection fee is paid. For Inspections please call: (305)762-4949 November 06,2015 Page 1 of 1 C H'0 Nr-- Miami Shores Village Building Department 10050 N.E.2nd Avenue, Miami Shores, Florida 33138 Tel:(305)795-2204 Fax:(305)756-8972 " INSPECTION LINE PHONE NUMBER:(305)762-4949 FBC 2010 BUILDING Master Permit Nof)(-?�[�� PERMIT APPLICATION Sub Permit No. �ILDING ❑ ELECTRIC ❑ ROOFING ❑ REVISION ❑ EXTENSION ❑RENEWAL ❑PLUMBING ❑ MECHANICAL ❑PUBLIC WORKS ❑ CHANGE OF ❑ CANCELLATION ❑ SHOP CONTRACTOR DRAWINGS JOB ADDRESS: 3 Ev ( 3 f f City: Miami Shores County: Miami Dade Zip: 331 -D) Folio/Parcel#: Is the Building Historically Designated:Yes NO Occupancy Type: Load: Construction Type: Flood Zone: BFE: FFE: OWNER: Name(Fee Simple Titleholder): t% f41<L �1f}� Phone#: -2 9 L 2 9 -2�l e Address: 3 Flo,- 7 3 City: 1tA_k')IW SIkyr :� State: d_Z Zip: 3' 1 Tenant/Lessee Name: Phone#: 7It) Z=c1 J��I�L) Email: CONTRACTOR:Company Name: oy,r z,, Phone#: Address: City: State: Zip: Qualifier Name: Phone#: State Certification or Registratio Certificate of Competency#: DESIGNER:Arch' ae ngineer: Phone#: Address: City: State: Zip: Value of Work for this Permit:$ Square/Linear Footage of Work: Type of Work: ❑ Addition ❑ Alteration ❑ New Repair/Replace [IJ DemolFitio n Description of Work: Zl: � 1R A r h�N/V � u,,. zy( , r[_/k%;y i- V o ux✓iTk c z Specify color of color thru tile: Submittal Fee 60 Permit Fee$ CY�) CCF$ CO/CC$ d Scanning Fee$�& Radon Fee$ C DBPR$ c)- Notary$_ Technology Fee$ Training/Education Fee$ '" Double Fee$ Structural Reviews$ Bond$ Q) p TOTAL FEE NOW DUE$ 10'1 (Revised02/24/2014) f � Bonding Company's Name(if applicable) Bonding Company's Address City State Zip Mortgage Lender's Name(if applicable) Mortgage Lender's Address City State Zip Application is hereby made to obtain a permit to do the work and installations as indicated. I certify that no work or installation has commenced prior to the issuance of a permit and that all work will be performed to meet the standards of all laws regulating construction in this jurisdiction. I understand that a separate permit must be secured for ELECTRIC, PLUMBING, SIGNS, POOLS, FURNACES, BOILERS, HEATERS,TANKS,AIR CONDITIONERS, ETC..... OWNER'S AFFIDAVIT: I certify that all the foregoing information is accurate and that all work will be done in compliance with all applicable laws regulating construction and zoning. "WARNING TO OWNER: YOUR FAILURE TO RECORD A NOTICE OF COMMENCEMENT MAY RESULT IN YOUR PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. IF YOU INTEND TO OBTAIN FINANCING, CONSULT WITH YOUR LENDER OR AN ATTORNEY BEFORE RECORDING YOUR NOTICE OF COMMENCEMENT." Notice to Applicant: As a condition to the issuance of a building permit with an estimated value exceeding$2500, the applicant must promise in good faith that a copy of the notice of commencement and construction lien law brochure will be delivered to the person whose property is subject to attachment. Also,a certified copy of the recorded notice of commencement must be posted at the job site for the first inspection which occurs seven (7) days after the building permit is issued. In the absence of such posted notice, the inspection will not be approved and a reinspection fee will be charged. Signature _ Signature OWNER or AGENT CONTRACTOR The foregoing instrument was acknowledged before me this The foregoing instrument was acknowledged before me this day of d c)-e-b�� 20 d . by day of 20 , by who is personally known to who is personally known to me or who has producedo',- —/)- as me or who has produced as identification and who did take an oath. identification and who did take an oath. NOTARY PUBLIC: NOTARY PUBLIC: Sign: r2l Sign: m Pn ,W p,ya Notary Public State o on Seal' r° �i ,loanna M Feliciano Seal: a lily commission FF 082753 �aFrti°19 Expires 0111212018 APPROVED BY 3� Plans Examiner Zoning Structural Review Clerk (Revised02/24/2014) Miami Shores Village al, oma Building Department 10050 N.E.2nd Avenue Miami Shores, Florida 33138 Tel: (305)795.2204 Fax: (305)756.8972 OWNER BUILDER DISCLOSURE STATEMENT NAME:M ja cL 2&h� DATE: 1e 1 L3/>V ADDRESS: q 3 3 S� Do hereby petition the Village of Miami Shores to act as my own contractor pursuant to the laws of the State of Florida,F.S 489.103(7).And I have read and understood the following disclosure statement,which entitles me to work as my own contractor;I further understand that I as the owner must appear in person to complete all applications. State Law requires construction to be done by a licensed contractor.You have applied for a permit under an exception to the law.The exemption allows you,as the owner of your property,to act as your own contractor even though you do not have a license.You must supervise the construction yourself.You may build or improve a one-family or two-family residence.You may also build or improve a commercial building at a cost of$25,000.00 or less(The new form states 75,000).The building must be for your own use and occupancy.It may not be built for sale or lease.If you sell or lease a building you have built yourself within one year after the construction is complete,the law will presume that you built for sale or lease,which is a violation of this exemption.You may not hire an unlicensed person as a contractor.It is your responsibility to make sure the people employed by you have licenses required by state law and by county or municipal licensing ordinances.Any person working on your building who is not licensed must work under your supervision and must be employed by you,which means that you must deduct F.I.C.A and with-holdings tax and provide workers'compensation for that employee,all as prescribed by law.Your construction must comply with all applicable laws,ordinances,buildings codes and zoning regulations. Please read and initial each paragraph. 1. 1 understand that state law requires construction to be done by a licensed contractor and have applied for an owner-builder permit under an exemption from the law.The exemption specifies that I,as the owner of the property listed,may act as my own contractor with certain restrictions even though I do not have a license. Initial- 2. nitial2. 1 understand that building permits are not required to be signed by a property owner unless he or she is responsible for the construction and is not hiring a licensed contractor to assume responsibility. �p.p Initial J 3. 1 understand that,as an owner builder,I am the responsible party of record on a permit.I understand that I may protect myself from potential financial risk by hiring a licensed contractor and having the permit filed in his or her name instead of my own name.I also understand that the contractor is required by law to be licensed in Florida and to list his or license numbers on permits and contracts. Initial _J 4. 1 understand that I may build or improve a one family or two-family residence or a farm outbuilding.I may also build or improve a commercial building if the costs do not exceed$75,000.The building or residence must be for my use or occupancy. It may not be built or substantially improved for sale or lease.If a building or residence that I have built or substantially improved myself is sold or leased within 1 year after the construction is complete,the law will presume that I built or substantially improved it for sale or lease,which violates the exemption. Initial- 5. nitial5. 1 understand that,as the owner-builder,I must provide direct,onsite supervision of the construction. Initial '^S 6. 1 understand that I may not hire an unlicensed person to act as my contractor or to supervise persons working on my building or residence.It is my responsibility to ensure that the persons whom I employ have the license required by law and by county or municipal ordinance. Initial d e 7. I understand that it is frequent practices of unlicensed persons to have the property owner obtain an owner-builder permit that erroneously implies that the property owner is providing his or her own labor and materials. I,as an owner-builder,may be held liable and subjected to serious financial risk for any injuries sustained by an unlicensed person or his or employees while working on my property.My homeowner's insurance may not provide coverage for those injuries. I am willfully acting as an owner-builder and am aware of the limits of my insurance coverage for injuries to workers on my property, Initial 8. 1 understand that I may not delegate the responsibility for supervising work to be a licensed contractor who is not licenses to perform the work being done.Any person working on my building who is not licensed must work under my direct supervision and must be employed by me,which means that I must comply with laws requiring the withholding of federal income tax and social security contributions under the Federal Insurance Contributions Act(FICA)and must provide workers compensation for the employee.I understand that my failure to follow these may subject to serious financial risk. Initial 9. 1 agree that,as the party legally and financially responsible for this proposed Construction activity,I willabideby all applicable laws and requirement that govern owner-builders as well as employers.I also understand that the Construction must comply with all applicable laws,ordinances,building codes, and zoning regulations. Initial_ 10. 1 understand that I may obtain more information regarding my obligations as an employer from the Internal Revenue Service,the United States Small Business Administration,and the Florida Department of Revenues.I also understand that I may contact the Florida Construction Industry Licensing Board at 850.487.1395 or http:Hwww.mvfloridalicense.com/dbpr/pro/cilb/index.htmI Initial_ 11. 1 am aware of,and consent to;an owner-builder building permit applied for in my name and understands that I am the party legally and financially responsible for the proposed construction activity at the following address: Initial 12. 1 agree to notify Miami Shores Village immediately of any additions,deletions,or changes to any of the information that I have provided on this disclosure. Initial Licensed contractors are regulated by laws designed to protect the public.If you contract with a person who does not have a license,the Constr4uction Industry Licensing Board and Department of Business and Professional Regulation may be unable to assist you with any financial loss that you sustain as a result of contractor may be in civil court.It is also important for you to understand that,if an unlicensed contractor or employee of an individual or firm is injured while working on your property,you may be held liable for damages.If you obtain an owner-builder permit and wish to hire a licensed contractor,you will be responsible for verifying whether the contractor is properly licensed and the status of the contractor's workers compensation coverage. Before a building permit can be issued,this disclosure statement must be completed and signed by the property owner and returned to the local permitting agency responsible for issuing the permit.A copy of the property owner's driver license,the notarized signature of the property owner,or other type of verification acceptable to the local permitting agency is required when the permit is issued. Was acknowledged before me this day of 6- 20 By A471)0 54ZVd. who was personally known to me or who has Produced there License �.�� as identification. OWNER a_,00 �^ Notary PFI 'da Joanna M Feliciano 04 nny Commission PF 082753 9�as"ce®� Expires 01/12/2018 A. Settlement Statement {HUD-1) SMB Approval No.Zsoz-o2ss a B. Type of Loan O 1.FHA O z RHS O 3.Conv.UNns. File Number 7.Loans Number O 4.V.A. ®s,car%Ins. 14.169 3254552206 a Mortg.Ins.Case Num. 83474961 tA: C.NOTE:This form is furnished to giva you a statement Of actual setlement tests. Amounts paid to and by the settlement agent are shown.Items marked-(p.o c.y'were paid outside the closing;they are shorn here far h1drmatkMai purposes and are rrot included in the togs. D.NAME OF BORROWER: Mara Gregory Stead Address of Borrower. 16101 NE 7th Avenue,Miami,Florida 33162 E.NAME OF SELLER: Elsa A.Flores.an unranarried widow Address of Seller: 1651 W 80th Street Hialeah.Florida 33014 F,NAME OF LENDER: Paramount Residential Mortgage Group,Inc. Address of Lendar. 1265 Corona Pointe Court Ste 301,COMM California 92879 G.PROPERTY LOCATION: 93 NW 93 St Warm Shores,Florida 33150 H.SBTTLEMENTAGENE Paul Feddrnan,PA Address: 2750 NE 185th Street#203,Aventure,Florida 33180 Place of SefoemenC 2750 NE 185th Street#203.Ave nturs,Florida 33180 Phone:305-931-04433 L SETTLEMENT DATE: W18114 DISBURSEMENT DATE: 0/18114 nc 101.Contract sales price 302,001).00 401.Contract sates 102,Personal 302,000.00 103.settlement ch to borrower(Lina 1400 403.Personal 104. 22,509.71 403. 105. 404. 405, -muniffimmNWRIEWMI 106.C Poxes 107.Courlt taxes 4�-CftyRown tmress 108.Assessments 407.C taxes 109. 408.Assessments 110. 408. 711. 410. 112. 411. 412. 120,Gross amount due from borrower. 324,509.71 420 Gross amount due to salter. rt 302,000,00 201.Deposit or earnest • 1 00. 000 W.Excess 1 sea instruottons 202.Principal amount of new loan(s) 286,900.00 502 Settlement c as to osier line 1400 203.Existing loans man sub act to 20,832.00 204.Pdnoipal amount of second mort s)taken s "act to 205. 504.Payoff of first m e D ===*oan 272,420,91 20& P .P of ascend mortgage loan 207. Sm. 208.Principal amt of mat hey sailor 507. 209. 508.P ant of mortgage held husella 209a 509;Assistance paymem-Elea A.Flom 3,000.00 5488. 210.01vtown taxes 510.CAAown taxa 211.C tapes from 01101114 to 08118!14 Z95729 511.tau latae frau 01/01114 to 08/18/14 212.Assessments 511 Assessments 957.29 213, 214 513. 215. 514. 515. 216.Seller's Credit for Closing Costs 2,989.80 SIB.Sellars Credit for Closing Costa 2i 7. 2.889.80 218, 517.518. 219. 519. 2ZQ Total paid byffor borrower 302,847.09 520.Total reductfotls In&mourn due aspen n' 302,01)0.00 301.Gross amount due from borrower (the 124) 324,509.71 601.Gross amount due to seller (line 420) 302,000.00 302.Less amourm paid by/for the borrower (line 220) (302,847.09) 802,less 10181 reductions in amount due sellar {lune 520) (302,000.00) 303.Cash( QQ From ❑70 }Borrower. 21,662.02 803.Cash( []To ❑From )Seller, O,QO The Pubic Reporting Burden for this you are rip of infw may not cdWct this ormalon,and you are riot Is estimated at 35 minutes per response for collecting,reviewing,and reporting the data.This agency this diad Is man t required to complete this form,unless ft displays a currently valid OMB control number.No confidentially is assured. detory.This is designed to provide the parties to a RESPA covered transaction with information during the settlement process. DoubleTinwe Vann LraimOpmers Page 2 700.Tota)Real Estate Broker Fees $18,120.00 Paid from paid irnxln Dlvbicn or commission fie 700 ea follows: Borrowers Seger s 701.$9,080.00 to Funds At Funds at 702 S 9,OWto.00 Samement settlement D Remi 703. Commission at saillemet 704. f 8,120.0D 705. to 801. Our origination charge $8,16250(from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen (87,453.66)(from GFE#2 803.Your adjusted origir>ation cherges to Paramount Residential Mortgage Group(from GFE A) 804.Appralsal fee to Laurel B.Little&Company Inc. 7t�.e4 805. Credit r ! GFE n13 385.00 POC(B)• apart to Priority Lending Coria {from GFE#3) 27.00 806. Tax service to !from GFE fKi 807. Flood certification to {from GFE#3 to 809. to 810. to 811. to 812. to 813. to 901.Deily interest char90Sfrom 00118114 to 09/01)14 gk33.4062 / from GFE 010 902 KWWge irsufarm premium for 467.69 months to (from GFE#3) 903.Homeowner's insurance emkmt h 1 to Citizens Property insurance nom GFE#11) 8.78200 904.Flood insurance premium for to 906. -years to 1 QD1. initial dspoai for your escrow account (Tram GFE#9) 1002 Homeowners krsurance 3 months $565.17 5'x.23 matte$1,895.51 1003.Mort~insurance months Q $130.79 permorm 1004.Property tangs 12 months $488.86 iper month$5,886.20 1005.Flood insurance months a Per math 1006. months Q par month 1007, months a month 1008 moths go month 1009.Aggregate accounting adjustment ($1,695.48) 1101.Title services and landers title Insurance (from GFE#4 2.378.00 1102 Settlement or closing tee to Paul Feldman,PA $1,500.00 es die to F 500.00 1103.Owner's title insurance Fidelity National Title lnstaartee Company {from GFE#5) 1,585.00 OF6.1585,00 1104.Lender's title insurance to Fkiellty National Tits Insurance Company $211.00 MF8 25.00;8.1 2S;F9-161.00 '110&Lender's title Policy limit$286,900.00 1106.Owner's two pdcy Ihnit$302,000,00 1107.Agent's portion of the total title insurance premium$1,257.20 to Paul Feldman,P.A. 1106.Underwriter's portion of One total title insurance premium$538.80 to Fidelity National Title insurance Conn-A 1109.Abstract or title search to L&V Abstract and Title Service 160 00 1110.Processing Fee to CK TMe Services,Inc. $50,00 1111.DocumantStorage Fee to D een $35.00 1112 Llan Search Fee to Reliable Lien Search Inc, $M.00 1113.Estimated Casta-CouriedFedW to Paul Feldman.p.A, $135.00 1201.Governmed meardIng charges {hon GFE#7 194.00 1202 Deed$23.00 s $133.60 Releases$0.00 $156.50 1203.Transfer taxes (from GFE#8) 1.677.95 1204.CitWCcuntytWstamps Deed $0.00 Motgaga(s)$573.80 1205.State twetemps Dead$1,812.0D Mortgages) $1,004,15 1,81200 1206.Affidavit to Paul Feldman,P.A. $14.50 1207.Death Certificate to Paul Feldman,PA $2300 1208. 1301.Required services that you can shop for ;from GFE nth 425.00 1302.Survey to John!baro&Associates,Inc. $425.00 1303.Negotiation Fee to Wharton Funding 2,5D0.00 1304.Estimated Costs-Courner/FedFx to Paul Feldman,PA 1305, to 1306, to 1307. to 130& to 1309. {Enter on lines 103,Section J and 502,Section K) 22,609.71 20,6320D *'PDC(B)=Paid outside of dosing by borrower 'POC(S)=Paid outside of dosing by seller DoubleTirnap SETTLEMENT CHARGES.AND LOAN TERMS Page 3 S��uffleeymeent Charges [Ouronginaiiancharge #801 $8.182.50 $8,162.50 Your credit or charge(points)for the spec is Interest rate chosen #8M a-7,453.88 Your adjusted origirmtum charges #8W S708,84 $708.84 Transfertam #1203 $3.891.98 $1,677.85 ...•.•. �J�v.... :�.�i}!.!�!x,.)Y`rq�C,y p.t" _ t' r.Te ' 'ax Y.• Govemrnent recording chargesn N #1201 $300.00 x184.00 Appraisal fee 0804 $475.00 $365.00 Credit report #W5 $75.00 $27.00 t �.p •r!,' ♦. W+50.00 $606.00 Ly;..�.f. milJ't:::?wE1'etiit,.�t•:+'I' 'r .xra ,` A F $-244.00 or V, n!nl Initial deposit for your escrav account #100 $1,782.00 x5,86623 Daily Interest dwilesfrom #001 $1,002.19 $487.69 Homeoumeeshawanceprerniurnfor #903 $5,040.00 $6,782.00 Title ser.ces and larders We insurance #110151,250.00 a2 378 00 Ownses title Insurance #1103 $1,360.00 $1,585,00 Survey #1302 $395.00 $425.00 Loan Terms Your initial loan amount is $286,900.00 Your ban term is 30,0000 years Your W8at Interest rate Is 425% Your initial monthly amount owed for principal,interest, $1.542.17 includes and any mortgago insurance Is PF Principal p Interest p Mortgage insurance Can you interest rate rise? ®No Q Yes ,It can rise to a maximum of .00,.The fust chums will be on and can change again every or .Every change date,your Ina"rate can Increase,ordecrease by .00%.Over the lee of tho loan,your interest rate is guaranteed to never be tower then .0%or higher than .00 Even if you make payments on time,can your loan balance rise? ®No Q Yes .it can rise to a maximum of$ .00 Even H you make payments on time,can your monthly ®No Q Yes .the first increase can be on d the monthly amtourd amount oval for principal,interest and mortgage insurance rise? ovred can rise to$ .00 The maximum it can ever rise to is$ .Oo Does your ban have a prepayment pmtW ®No Q Yes ,your m®dmum prePeyment perwily,is$ .ao Does your tan have a bat=payment? ®No Q Yes ,you have a balloon payment of$ .00 ar in yarn on OOIOOM= . Total monthly amount ovied including escrow You do not tong a escrow account payments Q monthly payment for items,such as property taxa and ho nsownees insurance,You must pay these items dirediy yourself. 0 You have an additional monthly escrow payment of$ 1.054.02 that results in a total initial monthly amort owed of$ 2,596.19 is includes principal,interest any mortgage insurance and any items checked below. Propertytexes r/ Homeowruer's insurance (— Flood Insurance r r r Note., N you have any questions about the SeWernent Charges and Lan Terms fisted on this form.please contact your larder. DoublaTimeO HUD-1 SETTLEMENT STATEMENT ADDENDUM Me Number. 14758 1 have carefully reviewed the HU134 Settlement Statement and to the best of my knowledge and belief,It Is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. 1 further certify that 1 have received a copy of the HUD-1 Settlement Statement. Borrower(s) Marc Gregory stead r Seller(s) Eli ores Settlement Agent The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. i have caused or will cause the funds to be disbursed in accordance with this statement. Paul Fel P.A. By.- j500 Date: l WARNING:It Is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S.Code Section 1001 and Section 1010. Double'nmeS CERTIFICATION ADDENDUM TO HUD-1 SETTLEMENT STATEMENT Loan Number: 3254552205 Property Address: 93 RTW 93RD STREET MIAMI SHORES, FLORIDA 33150 I have carefully reviewed the HUD-1 Settlement Statement and to the best of my lmowledge and belief,it is a true and accurate statement of all receipts and disbursements trade on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement. MARC G STEAD Borrower 4kP34-4 SeLcr Borrower Seller Borrower Seller Borrower Seller Borrower Seller Borrower Seller The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with tlds statement. 1171-C JV SolbEertAt ate CLOSER WARNING: It is a crime to knowingly snake false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. CERHUD-1 CERT.6/86DDETJDUM TO HUD-1 SETTL QgBVT STATBa1BV f OWNeg(o apam CA.LSR 03/30/90 www,docmagk.com 111 MV �I ADDENDUM TO HUD '[ Loan Number: 3254352205 Fila Number: 14-153 Borrower: MARC a STEAD i i Paid From Fatd From Borrower's swws Ruda at Funde at settlement sewment 800. 17EM PAM=II1 C=WMCN MW MW 809. OWi9imRt=CMPenWtioa - Lender Paid tot Pria=ity 7.172.50 Landing Corn -COoper aty, m 810. DOCOKMt Prep Fee tOt PABAMoibt RZOMMIRM% 2DO.00 MR1C,"GRAOP. M. 811. PRO UM& Mriting Fee toe PARAMMU RESsz W=hL 790.00 1100. T.LTLE CHRYMS i 7.3.09. Owwr'e title ineuranm toe LAW OFBICB.9 OF PAUL 1,360.00 Flg,IIM, P.A. 1110. S%tPAWPR0CMS=to; LAW OMCW OF WWL 65.00 FEGTm, P.A. 1311. Sbdaasemente tot LAW OMCES OF PAM FE=W, P.R. 166.00 I $!Pat= MARC v 6TEAD bato signntae Date signature Data sigoatura Date signature Date Signature Data ADDENDUM TO HUD-1 HUDIADD.MSC 72100105 ° WWW. eegl CLOSING INSTRUCTIONS ADDENDUM Lender Name: Paramount Residential Mortgage Group, Inc. Borrower Name: MARC G STEAD Property Address: 93 NW 93RD STREET MIAMI SHORES FLORIDA 33150 Loan No.: 3254552205 Date:AUGUST 18 2014 1. As the Closing Agent, you are hereby notified that one of the warehouse banks referenced,below has a security interest in the Promissory Note, Deed of Trust or Mortgage, and all other supporting documents for the subject loan. 2. Your wire will be sent from one of the warehouse banks named below on behalf of Paramount Residential Mortgage Group, Inc., for the sole purpose of finding the subject loan. In the event that the loan does not close within 24 hours of receipt of the wire, all loan funds must be rejected and returned immediately to the respective warehouse that issued the funds. You are hereby instructed not to distribute any such loan funds back to Paramount Residential Mortgage Group, Inc., under any circumstances. WAREHOUSE BANKS: Wells Fargo Bank, N.A. San Francisco, CA ABA No.: 121000248 Account Name: Mid Cap Settlement Account No.: 01072374464228 Reference: Paramount Residential Mortgage Group, IncAMARC G STEAD \ 3254552205 Bank of America, N.A. New York, NY ABA No.: 026009593 Account Name: Warehouse Lending Payoff Account Account Number: 12334-60784 Reference: Paramount Residential Mortgage Group, IncAMARC G STEAD \ 3254552205 EverBank Jacksonville, FL ABA No.: 063000225 Account Name: Paramount Residential Mortgage Group, Inc. Inbound Account No.: 5003926606 Reference: Paramount Residential Mortgage Group, IncAMARC G STEAD \ 3254552205 1 e. qr� y, (NAME OF LICENSED OFFICER)acknowledge and agree on behalf of 6t*t4v? (TITLE COMPANY). Date: LicensedOfficer's afore CLOSING INSTRUCTIONS ADDENDUM C"RM 10/31112 ' WDoc6 agic d�7pp, �1 FROM:PARAMOUNT RESIDENTIAL NK}RTGM GROUP, INC. Document Date: AUGUST 18, 2014 1265 00RCM POINTE WURT, SUITE 301 OJRCNA, FORNIA 92 79 Closing Date: AUGUST 18, 2014 Phone: (951)278-0000 Fax: (951)278-5632 Disbursement: AUGUST 18, 2014 TO:LAW OFFICES OF PAUL FELDMAN, P.A. Case No.: 2750 NE 185TH STREET STE 303 AVENTURA, FLORIDA 33180 Loan No.: 3254552205 (305)534-4721 ATTN:CLOSER App.No.: Order No.: 14-159 RE: Borrower(s): MARC G STEAD EscrowNo.: 14-159 Property Address: 93 NW 93RD STREET MIAMI SHORES, FLORIDA 33150 GENERAL CLOSING INSTRUCTIONS Do not close or fund this loan unless ALL conditions in these closing instructions and any supplemental closing instructions have been satisfied. The total consideration in this transaction except for our loan proceeds and approved secondary financing must pass to you in the forni of cash. Do not close or fiend this loan if you have knowledge of a concurrent or subsequent transaction which would transfer the subject property. You must follow these instructions exactly. These closing instructions can only be modified with our advance written approval. You shall be deemed to have accepted and to be bound by these closing instructions if you fail to notify us in writing to the contrary within 48 hours of your receipt hereof or if you disburse any funds to or for the account of the Borrower(s). All documents with the exception of those to be recorded(Security Instrument, Riders,Corporation Assignment(s), Grant Deed,Quit Claitrt,Power of Attorney,etc.) must be returned to our office within 48 HOURS of the signing. Please return certified copies of those documents that are to be recorded.Failure to comply with these instructions may delay funding. EXECUTION OF DOCUMENTS: 1. Each Borrower must sign all documents exactly as his or her name appears on the blank line provided for his or her signature. All signatures must be witnessed if required or customary. All signature acknowledgements must be executed by a person authorized to take acknowledgements in the state of closing. 2. Any correction to loan documents must be approved in writing by us in advance. No whlt"ut permitted Approved deletion should be made by marking a single line through the language being deleted. All additions and deletions must be initialed by all borrowers. 3. All Powers of Attorney must be provided to and approved by us in advance. If approved,the Power of Attorney must be recorded in the same county(ics)in which the Security Instrument is recorded,a certified copy provided to us. RESCISSION: 1. If the transaction is subject to rescission,provide each Borrower and each person having any ownership interest in the security property with two(2)copies of the completed Notice of Right to Cancel. The Notice of Right to Cancel must be properly completed (including all dates) and each borrower and person given two notices must execute an acknowledgement of receipt. Your failure to properly complete and provide the Notices of Right to Cancel to each person entitled to receive them will delay this closing. 2. No Borrower or other person having an ownership interest in the Security Propertymay modify or waive his or her right to rescind without our prior written consent. 3. If any Borrower or other person having an ownership interest in the security property indicates that he or she wishes to cancel this transaction,contact us immediately for further instructions. SURVEYS: 1. A valid survey dated within 90 days of closing is required in areas where surveys are customary. 2. The survey must contain all relevant and customary information and certifications and the legal description,lot size and street must agree with the appraisal and closing documents. HAZARD INSURANCE: I. The Borrower(s)must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 2. Dwelling coverage must be equal to the lesser of the loan amount or the full replacement value of the property improvements,and must extend for either a term of at least one(1)year after the closing date for purchase transactions or six(6) months after the closing date for refinance transactions. 3. Loss payee/mortgagee clause to read: BUT'=1295 aMA_ L, GGA IlC., =S S[333 � amp, oiac�92879 MM' LtxtlNxbE ': ACIWOWIEDGED AND AGREED: Settlement CLO ER oENETtAL 0&CLOSING INSTRUCTIONS DocBlegla www.ddcmagk.com 11KHMN11 FROM: PARAMOUNT RESIDENTIAL NIDRUGAM GROUP, INC. Document Date: AUGUST 18, 2014 1265 C0R= POINTE COURT, SUITE 301 CORONA' CALIFORNIA 92879 Closing Date: AUGUST 18, 2014 Phone: (951)278-0000 / Fax: (951)278-5632 Disbursement: AUGUST 18, 2014 T0: LAW OFFICES OF PAUL, FELDMAN P,A. Case No.: 2750 NE 185TH STREET STE 301 AVENTURA, FLORIDA 33180 Loan No.: 3254552205 Phone: (305)534-4721 ATTN: CLOSER App.No.: Order No.: 14-159 RE: Borrower(s):MARC G STEAD Escrow No.: 14-159 PropertyAddress: 93 NW 93RD STREET MIAMI SHORES, FLORIDA 33150 SPECIFIC CLOSING INSTRUCTIONS LOAN DOCUMENTS: We enclose the following documents nocessq to ctW Noteurt 1 e the above refercntacfl loan tra cticn: (X) Mortgage t Im FSaI Fsc cw Acct. Disc. 4x� (X) Servicing Msciostze (X) Settlement Statettent Cart.. (X) kT and Auth. StateTait (X) PaWent Letter (X) C.osirg Inst. pian (X) Privacy Policy (X) Haaaxd Ins. Req. (X) Affidavit and Agit. (X) Worksheets (X) Borrowers Cert. (X) kl=jram DLsclosLn:e (X) Loan Applicaticn Deliver one(])copy of all loan documents to the Borrower(s);deliver one(])copy of the Federal Truth-In-Landing Disclosure Statement to each Borrower. LOAN TERMS: ARM Loan:( )Yes (X)No Loan Amount: 2 8 619 0 0.0 0 Index: Initial Advance: Margin: Sales Price: 302,000.00 Periodic Rate Cap: Term(Months): 3 6 0 Lifetime Rate Cap: Interest Rate: 4,250 Lifetime Rate Floor: Initial Payment: 2_411.38 Interrst Change Date: First Payment Date: 10/01/14 Payment Change Date: Last Payment Date: 09/01/44 Loan Purpose: PURCHASE PAYOFF REQUIREMENTS: It is a condition to the funding of this loan that the following payoffs be made through this closing. Indicate payoffs on the HUD-1 Settlement Statement or provide other satisfactory evidence of payoff: CONDITIONS TO RE SATISFIED PRIOR TO DIS13URS MENT OF LOAN PROCEEDS: PTF - Borrower(s) to sign all LIES written by borrowers, tax returns, &AKA Cert PTF - Siand dated Corrected FZAL 1003 trust match Note Deed PTF - HUD to reflect max seller/lender Credits of $_2989.80 max borrowers costs not to exceed $ 20,023.85 NOIcbage r)o cash back to borrower; PITT NOf'TD EXCEED $2596.19. Credit reEie expires 8/18/14 WE ARE TO BE AT NO EXPENSE IN THIS TRANSACTION TITLF INSURANCE REQUIREMENTS: You are authorized to use funds for the account of the Borrowers and to record all instruments when you comply with the following: 1. THIS LOAN MUST RECORD IN IST LIEN POSITION ON OR PRIOR TO THE DISBURSEMENT DATE NOTED ABOVE. PROVIDE DUPLICATE ORIGINALS OF THE ALTA TITLE POLICY. 2. Vesting to read: MARC G STEAD AND KATHLEEN W STEAD HUSBAND AND WIFE 3. Title Policy must contain the following endorsements(or their equivalents): FF9, 8.1 f 4. ALTA Title Policy must be free from liens,encumbrances,easements,encroachments and other title matters except (i)the lien of our loan in the amount of our loan on the property described herein showing the Instrument or Document Number and the date of recording of the Security Instrument;(ii)general,specific,state,county,city, school or other taxes and assessments not yet due or payable: (ALL PAID) (iii) other items as permitted by us; and(iv) the following items as shown on the preliminary title report, commitment,binder or equivalent dated JUNE 16, 2 014: 1-6 SECONDARY FINANCING: Secondary financing in the amount of$ NONE has been approved. SPECIFIC CLOSING INSTRUCTIONS SCI.MSC 10/08/10 Page 1 of 2 00CM91C www_dcrmagk. e Epifivamil ESTIMATE OF FEES AND COSTS: M. z + 3...?I'M .. - Appreraisal tee to: LAUREL B LITTLE & COMPANY $385 00 $385.00 Borrower Cdit report to: PRIORITY LENDING CORP $27.00 $0.00 Borrower Premium Pricing to: Other -$281.16 $0.00 Lender NT PRMG Underwriting Fee to: PARAMOUNT RESIDEI $790.00 $0.00 Borrower Document Prep Fee to: PARAMOUNT RESIDENTIAL M $200.00 $0.00 Borrower -Originator Compensation - Lender Paid to: Pri $7,172.50 $0.00 Lender LPC Credit to Offset Charge to: PRIORITY LEND -$7,172.50 $0.00 Lender Settlement or closing fee to: LAW OFFICES OF $1,500.00 0.00 Borrower Owner's title insurance to: LAW OFFICES OF PA $1,585.00 0.00 Borrower Lender's title insurance to: LAW OFFICES OF P $211.00 0.00 Borrower strage/processing/courier to: LAW OFFICES OF $220,00 $0.00 Borrower LIEN SEARCH FEE to: LAW OFFICES OF PAUL FELDM $445.00 $0.00 Borrower Survey to: JOHN IBARRA $425.00 $0.00 Borrower NEGOTIATION FEE to: WHARTON FUNDING $2,500.00 $0.00 Borrower Deed to: LAW OFFICES OF PAUL FELDMAN, P.A. $194.00 $0.00 Borrower Deed to: Other $1,577.95 $0.00 Borrower CITIZENS to: CITIZENS $6,782.00 $0.00 Borrower Subtotal of Estimated Fees and Costs: $ 16,175.79 PER DIEM INTEREST: From: 08/18/14 To: 09/01/14 (Arowpaw Closing naso) 14 days at$ 33-4062 per day Subtotal of Per Diem Interest: $ 467.69 IMPOUNDSIESCROWS: Impound/escrow checks should be made payable to and sent to us together with the original final HUD-I Settlement Statement. MOrtaage Insurance 0 month($)at 1 130.79 per month- S .0 BAZARD INSURANCE 3 month(s)at .565_17 per month- 6 51 CQ=]soP TAX 2 month(s)at & 488.85 per month- _t 5.866.20 month(s)at S _- per month= I month(s)at R per month= $ month(s)at S per month= $ Aggregate Escrow Adjustment: $__-1,695,48 Impound Subtotal: S_ 5,866.23 Mortgage Ins.Premium: $ TOTAL OF FEES AND COSTS: $ 22,509.71 HUD-1 SETTLEMENT STATEMENT: The final HUD-I Settlement Statement must be completed at settlement and must accurately reflect all receipts and disbursements indicated in these closing instructions and any amended closing instructions subsequent hereto, if any changes to fees occur documents may need to be re-drawn and re-signed. Fax a certified copy of the final HUD-1 Settlement Statement to PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. ® (951)278-5632 Attention: Quality Assurance , Send the original final HUD-1 Settlement Statement to us at the following address within 24 hours ofsettlement: 1265 CORONA POINTE COURT, SUITE 301, CORONA, CALIFORNIA 92879 ADDITIONAL INFORMATION: BORROWER MUST SIGN AND DATE THESE CLOSING INSTRUCTIONS. If for any reason this loan does not close within 48 hours of your receipt of funds,immediately return all documents to Lender and wire all funds only to: PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE COURT, SUITE 301, CORONA, CALIFORNIA 92879 If you have any questions regarding any of these instructions,please contact PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. at (951)278-0000 BORROWER ACKNOWLEDGMENT: VWe have read and acknowledged receipt of these Closing Instructions. rrower MARC G STEAD Date Borrower Date Borrower Date Borrower I}ic Borrower Date Borrower Date ACKNOWLEDGED AND AGREED: ' i�w Settlement ate CLOSER SPECIFIC CLOSING INSTRUCTIONS SCI.MSC 01/16/14 page 2 of 2 agla www.docmglc.com FROM: PARAMOLET RESIDENTIAL 14ORTGAM GROUP, INC. Document Date: AUGUST 18, 2014 1265 CORONA POINTE COURT, SUITE 301 CORONA-, CALIFORNIA 92879 Closing Date: AUGUST 18, 2014 Phme: (951)278-0000 FaX: (951)278-5630 Disbursement Date: AUGUST 18, 2014 TO: LAW OFFICES OF PAUL FELDMAN, P.A. 2750 NE 185TH STREET STE 303 Case No.: AVENTURA, FLORIDA 33180 (305)534-4721 Loan No.: 3254552205 AM: CLOSER RE: Borrower(s): MARC G STEAD APP.No.: Order No.: 14-159 Property Address: 93 NW 93RD STREET, MIAMI Escrow No.: 14-159 SHORES, FLORIDA 33150 ADDENDUM TO CLOSING INSTRUCTIONS (ADDITIONAL CONDITIONS TO BE SATISFIED PRIOR TO DISBURSEMENT OF IRAN PROCEEDS) "ESCROW/TITLE TO CONFIRM WITH FUNDER EXACT AMOUNT OF CASH BACK TO BORROWER ALLOWED IF ANY ON ALL TRANSACTIONS PRIOR TO DISBURSING FUNDS AND FINALIZING HUD-I** **BUYERS REQUIRED DOWN PAYMENT MUST BE MET IF NECESSARY REDUCE ANY CREDITS TO MEET REQUIREMENT(3.5%*ON MOST FHA TRANSACTIONS SEE APPROVAT,FOR CONVENTIONA)CONTACT FUNDER TO CONFIRM AMOUNT** **PROVIDE COPY OF RECORDING INVOICE(S)TO LENDER,AMOUNT ON INVOICES)MUST MATCH AMOUNT ON FINAL HUD-I** **HAZARD PREMIUM AND/OR ALL PROPERTY TAXES DUE WITHIN 60 DAYS OF FUNDING MUST BE PAID IN FULL** "*MASTER CONDO POLICY, MUST SHOW MORTGAGEE CLAUSE,BUILDING COVERAGE, MIN. SIMILLION BUSWESSIGENERAL LIABILITY, BORROWER NAME, ADDRESS AND LOAN#. DETACHED CONDOS NEED POLICY FOR COMMON AREAS** *"FINAL HUD-I MUST REFLECT DISBURSEMENT DATE AT ALL TIMES **ANY DAIVADDRESS CORRECTIONS ON LOAN DOCUMENTS MUST BE INITIALED BY ALL BORROWERS** **HUD-I MAY NOT REFLECT ANY REFERRAL FEES AT ANYTIME,,* **PURCHASE LOANS -MAX COMMISSIONS ALLOWED 8% INCLUDES ANY MANAGEMENT FEES BEING PAID** *"ANY DATE CORRECTIONS ON THE NOTICE OF RIGHT TO CANCEL MUST BE INITIALED BY BORROWERS** **WHEN USING A POA FOR SIGNING DOCUMENTS MUST BE SIGNED AS PRINTED, IF VERBIAGE IS MISSING PLEASE CONTACT LENDER IMMEDIATELY FOR INSTRUCTIONS ON HOW TO PROCEED (FAILURE TO DO SO MAY RESULT IN A FULL REDRAW)** **DOCS CAN NOT BE SIGNED IN COUNTERPART,ALL BORROWERS MUST SIGN THE SAME DOCUMENT** **SIGNATURE AFFIDAVIT MUST BE SIGNED BY BORROWER THE WAY IT APPEARS ON THE AKA** "*NOTIFY LENDER IMMEDIATELY IF THERE ARE ANY CHANGES IN SALES PRICE** **FUNDS MUST DISBURSE AND RECORD WITHIN 24 HOURS OR RETURN ALL FUNDS TO LENDER** **FORWARD ALL FINAL HUD-1'S TO CORONA SHIPPING&RECEIVINMERMG NET OR FAX TO 951-547-6443 WITHIN 24 HOURS OF FUNDING** WET FUNDING STATES **SIGNED LOAN DOCUMENTS MUST BE RETURNED TO LENDER WITHIN 24 HOURS OF SIGNING ANY LOCK EXTENSIONS WILL BE CHARGED TO BROKER OR ESCROW ACCORDINGLY PROVIDE TRACKING INFORMATION TO FUNDER** **SCAN OR FAX COPY OF ALL SIGNED LOAN DOCS TO FUNDER(CONTACT FUNDER FOR FAX#OR EMAIL ADDRESS)** "SETTLEMENT AGENT TO CONTACT FUNDER FOR HUD-1 APPROVAL FINAL HUD-1 MUST BE SIGNED BY ALL BORROWERS** **ON ALL FUNDEDICLOSED PURCHASE TRANSACTIONS, THE ORIGINAL SIGNED CLOSINGDOCUMENTS MUST BE SENT IMMEDIATELY, OVERNIGHT FOR MORNING DELIVERY,7tD: 12b5 CORONA POINTE COURT, SUITE 301,CORONA,CA 92879,ATTENTION:COLLATERAL REVIEW** ****FOR COMPLIANCE WITH QUALIFIED MORTGAGE RULE:ABSOLUTELY NQ FEE INCREASES FROM ESTIMATED HUD-1 ARE PERMITTED.CONTACT LENDER*** ACKNXfND AGREED: Settlement Da CLOSER ADCIPMMISSCENDUM 2127 14G INSTRUCTIONS DotlNagJe HkMP wwx4docmagh.com MIN: 100424732545522058 NOTE Loan Number: 3254552205 AUGUST 18, 2014 CORONA CALIFORNIA [Dge] [City] [stats] 93 NW 93RD STREET, MIAMI SHORES, FLORIDA 33150 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $2 8 6,9 0 0. 0 0 (this amount is called"Principal"), plus interest, to the order of the Lender. The Lender is PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. , A CALIFORNIA CORPORATION I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the"Note Holder." 2, INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 4 .2 5 0 %. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B)of this Note. 3. PAYM ENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st^ day of each month beginning on OCTOBER 1 2014 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on SEPTEMBER 1, 2 044 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the"Maturity Date." I will make my monthly payments at 1265 CORONA POINTE COURT, SUITE 301, CORONA, CALIFORNIA 92879 or at a different place if required by the Note Holder. (B) Amount of MontWy Payments My monthly payment will be in the amount of U.S. $1,411.3 8 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a"Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this Ioan exceed the permitted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; FLORIDA FIX® RATE NOTE-Single Family Doc Nfa8/c Fannie Mae/Freddie Mac UNIFORM INSTRUMENT www.docmagic.com Form 3210 1/01 Page 1 of 3 m 1m, , nom and (b) any sums already collected from me which exceeded permitted limits will be refunded to me, The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWERS FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5 . 000 %of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date,the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A)above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice ofDishonor"means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage,Deed of Trust, or Security Deed(the"Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep FLORIDA FIXED RATE NOTE—Single Familyy Doema9fe Fannie Mae/Freddie Mac UNIFORM INSTRUMENT www.docmaglc.com Form 3210 1101 Page 2 of 3 the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 11. DOCUMENTARY TAX The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness. WITNESS THE HAND(S)AND SEAL(S)OF THE UNDERSIGNED. (Seal) (Seal) MARC G STEAD -Borrower -Borrower (Seal) (Seal) -Borrower Borrower (Seal) (Seal) -Borrower -Borrower L[M C#94>atcr: YAMZCCNidz, NCR ID 369398 Lc sn Ch0.c_lnatCr Qi�: all lty axthI Ctxp M� City, FL, NIUR ID 369480 Lam, .throat cr i mt-irn: RgVN ' RF'.4T ;Nl1Tf1D Com, =., NM. ID 75243 [Sign Original Only] FLORIDA FIX®RATE NOTE-Single Family DocWocc Fannie Mae/Freddie Mac UNIFORM INSTRUMENT www.docmagic.com Form 3210 1101 Page 3 of 3