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Prem.Hazard InsuranceAFl od InsuranceVA FundingAReservesAMortgage InsuranceASch ol TaxACounty TaxACity TaxATitleEscrowANotaryAA torneyATitle InsuranceTitle SearchATitle ExaminationBinderAGovernmentARecordingLocal TaxState TaxD ed TaxAMortgage TaxAA ditionalAPest Inspection @,@LRzAzA(C @ @2@jRzAzAzC @<@O0BzAzA(C @B@>SzAzA(CAHG?KzAzA(C @nT@ӈRzAzE+ @o\Q0BzAzE,<l dUzAzG @l@@D?G B(BAzAvA,Ay@@D?Y @ zQ B(BAzAw A,A yd ʄ@rN B(BAzA(Dʎ@KN B(BAzA(Dʜ@RN B(BAzA(DʨQ B(BAzA(C @ʴQ B(BAzAwTA,Ayd@uN B(BAzA(D@@N B(BAzA(D@9O B(BAzA(D@yO B(BAzA(D@9O B(BAzA(DQ B(BAzA(DRQ B(BAzA(D "Q B(BAzA(D "Q B(BAzA(Dl (UzAzH2@q#3H B(BAzAwAmAyG?ZbQ B(BAzA(Au,rQ B(BAzA(D "Q B(BAzA(Dl !~UzAzH"P@_@ =q?F B(BAzApAo A#yG?Z$ˈ@:Q?F @A(BAzAlLAxLA%yG?Zp˜Q B(BAzAszAsAqydr˨@ D?F B(BAzAt0AsAsyG?Zt˴Q B(BAzAtAtzAuyd,bQ B(BAzAuCA-yd."Q B(BAzA(DZP /˾UzAzH0Q B(BAzA(D1@bN B(BAzA(D2Q B(BAzA(D3@@N B(BAzA(D4Q B(BAzA(D5Q B(BAzA(D6Q B(BAzA(D7Q B(BAzA(D8"Q B(BAzA(Dl 9UzAzH:"@P@N B(BAzA(D;,Q B(BAzA(D<6Q B(BAzA(D=@Q B(BAzA(D>JQ B(BAzA(D?"Q B(BAzA(Dl @XUzAzHAdQ B(BAzA(DD"Q B(BAzA(Dm"Q B(BAzA(DLDAAXAdlAARAAAC4AAANAAA`IEnter the price of the home if purchase; a praised value if a refinance.AEnter the amount of the mortgage.Enter the interest rate for the mortgage. Rates are always entered as eighths (e.g., 7.0%, 7.125%, 7.25%, 7.375%, 7.5%, 7.625%, 7.75%, or 7.875).AEnter the number of years for the mortgage - norma ly 30 years, but sometimes 10,15, or 20 years. If unsure, enter 30.Amount of ownership in the home norma ly used with refinance loans. ALoan-To-Value. Used by lenders to determine the maximum amount of the mortgage loan. AEnter the charges by the mortgage broker and lender. To a ply the charges, checkmark the checkboxes.The origination f e is paid to the mortgage broker for administrative costs a sociated with proce sing the loan for the buyer.ADiscount points are prepaid finance charges and are norma ly used to buy down the interest rate.AA f e paid by the buyer to determine the estimated value of a home.A report to a lender on the credit standing of a buyer, used to determine creditworthine s.F e paid to an independent party to help the lender ensure the timely and a curate payment of property taxes. Wi l also notify the lender if taxes are unpaid.Home inspection by a home inspection engin er to ensure the home is structura ly sound.F es to mortgage broker for services.F e charged to cover direct costs a sociated with proce sing a loan.AF e charged to cover costs a sociated with a proving the loan, and charged by the lender.F e charged to send funds (usua ly loan proc eds, but may also be to payo f other outstanding loans).The f e charged by the lender to the bo rower for a plying for a loan.AThe Fl od Certification verifies that the property is not in a fl od zone. F e charged when buyer takes over the duty of paying se lers existing loan.AF e charged to prepare documents for closing. May also include f es to send documents (by overnight courier or internet).AMisce laneous lender f es not covered above.AItems required to be paid in advance.Lenders usua ly require bo rowers to pay the interest that a crues from the date of closing to a date within 30 days of the first payment due date.Insurance required by lender to grant certain types of loans, usua ly above 80% LTV, or with regards to specialty or niche type loans. AMost states require that the a nual premium on your hazard insurance be paid in advance and put into e fect at closing. @If the property is within a fl od zone, this insurance wi l be required. Include the f e here.F e charged to cover the costs a sociated with insuring a loan through the Veterans Administration.Misce laneous prepaid f es not covered above.Also known as escrows or impound a counts. Reserves are usua ly co lected on a monthly basis with the principle payment.Usua ly one-twelfth of the a nual premium, co lected to ensure home against fire, theft, or other damages. Usua ly thr e months is co lected upfront.AUsua ly one-twelfth of the a nual premium per month, and usua ly not more than two months are co lected upfront.ATax charged in some locations in lieu of, or in a dition to property taxes.Property taxes paid to local counties for administration and services.ATaxes paid to cities for operations and services.If the property is within a fl od zone, this insurance wi l be required. Since this is an unusual situation, the normal default is zero. AMisce laneous reserves not covered above.Enter the costs of services performed by title and escrow companies.AAlso known as Se tlement or Closing F e. This f e is paid to the se tlement agent or escrow holder.AA f e charged by a title or escrow company to cover the cost of preparing such documents as the mortgage, d ed of trust, note, or d ed.The f e for a licensed notary public to notarize that persons named in the loan documents signed the documents.Some states require that an a torney perform the closing or prepare closing documents.APurchases a title insurance policy, which insures that the previous owner of the property had title fr e of defects.ACost a sociated with searching records for liens and encumbrances. May be performed by a torneys in some states.Cost a sociated with a title examiner viewing the results of a title search and determining if a title policy can be i sued.ACost of a temporary title insurance policy until the actual policy a rives.Misce laneous f es not covered above.Various government-related expensesThe recording f e involves recording the transfer of title with the county clerks o fice.AF es charged by local entities for transfer of title to bo rower. Some locations have an Intangible City/County Tax, which would be included in this field.AF es charged by the state for transfer of title to bo rower.AState D ed Tax Stamps would be included within this field.AState Mortgage Tax Stamps would be included here.Misce laneous government f es not covered above.AEnter a plicable a ditional costs.AAn inspection by a pest control specialist to ensure the home is fr e of termites or other harmful insects, and damages caused with pests.B~~no@ܘ ~ $ހ xߞ>8R  0VxR ! @"b$plrtA,2./0.12 345^67N89:;@<=>X?@ADmEAmount of mortgage.Total of a l closing costs selected.ACheck this box if you want to include the closing costs into the refinance.The amount of the mortgage to be obtained.AMoney owed by the bo rower on existing mortgages. These must be paid o f fr e and clear prior to the new mortgage being funded. The remaining balance on the primary mortgage.AList the remaining balance for a second mortgage and/or Home Equity line of Credit (HELOC).Pre-Payment Penalties should be entered here. @Enter any other types of mortgage pay-o fs here. Include here any money owed on a l a ditional mortgages.ATotal mortgage pay-o fs. Tap the 'Calc' bu ton to re-calculate.A  Z8 #0ETaxes, Liens, Judgments, Co lections, A se sments, and Other are listed within this category. AEnter any owed taxes a pearing on either the credit or title report.AEnter any liens against the property or owner a pearing on either the credit or title report.Enter any judgments against the owner a pearing on either the credit or title report.Enter any co lection a counts a pearing on either the credit or title report.Enter any a se sments a pearing on either the credit or title report.Enter any other unresolved credit i sues against the owner or the property a pearing on either the credit or title report.ATotal Pay-o fs. Tap the 'calc' bu ton to recalculate.AmnsZtwz\}ESelect the Yes box if the bo rower wi l be obtaining cash from this refinance. Select the No box if this is a rate and term refinance.The total mortgage amount as shown previously.AThe total of a l mortgage pay-o fs entered earlier (First, Second, HELOC, Pre-Payment Penalty, etc.).The total of a l credit pay-o fs entered earlier (Taxes, Liens, Judgments, Co lections, A se sments, etc).AIf Cash Out Refinance is check marked No these are funds that ca not be disbursed to the bo rower.AThe amount of money which may be disbursed to the bo rower from this loan if it is a Cash Out Refinance subject to some lender restrictions.ALoan-To-Value. Use this percent LTV to determine if this refinance m ets lender guidelines for the mortgage program you are using.N EUsing the bo rowers cu rent payment information enter the old monthly mortgage payment amounts. APrincipal and Interest. Enter the old monthly amount.AProperty Taxes. Enter the old monthly taxes. AHazard Insurance. Enter the old monthly insurance.Mortgage Insurance. This monthly f e is calculated by ReFi.AHomeowners A sociation F e. Enter the old monthly HOA F e. @Mortgage payment totals.A9=.BfKLW QFETabulation by ReFi of the old and new monthly mortgage payments, and the monthly savings amount resulting from the refinance.The old monthly mortgage payment.The new monthly mortgage payment.The amount of savings per month from the new mortgage.AA compilation of a l of the costs a sociated with the refinance broken down by category.AThe total closing costs for obtaining this refinance.The cost of paying o f a pre-payment penalty.The total cost of obtaining this refinance.The numbers of months until a l a sociated loan costs are paid o f from savings from the new monthly payment. Tap 'calc' to recalculate.0RHtArV`a@A4>5 0Invalid hotsync IDAYour registration has expired.AInvalid registration stringInvalid temporary registrationAInvalid registrationADYou are not registered for this a plication version.A.Thank you for registering! hPlease visit our website for the latest news and updates.std :bad_exceptionAstd :exceptionAC EADE۪APbad_exceptionexceptionstd :bad_a locAC>NZE$AXbad_a locNBNANA NANANANANANANANANAPNANB NBNANANA8NAZNA8NANA((A DA D,BCo$ BF0AERBA EadCaCETCE֪BAڤBnA۪EԀ CEB`AޖE CE\DhDtD߄DߖEʀB$ CXEdaCBDÀaCB(A8DPEt CEXNBE0C尀BCقꂂ؃~ ~K~v}⃃ny@s@\@E_@Ϯ~Ap_~vCݗ}NBɗ@E@EH~1|}؂my0@^@C@vAႬ@qBREF~1Z NV/ $n Hn//./.NO $0.O$_N^NuWriteDBData__FPCvPUlPvNV/B'Hx/ NO\O?/ NOy/ NO6 CJ:WD@B.v&FJ.OPf$/ NO6?/ NO.//NO6?VD@?/ NO\O?/ NO./NOK=@O&gNO&@Hn/ NOeHnB'p.@p?p.0<nHNOf/NO9&HAHPHnNO/ HnNOHnNO=@/NOnZ@r2PO/NO&H O,g&Hn/ NOAHP/ NO// NO, O`z`zBB'/ /NO/NOJ/ NOpJ.Of.?/NN:POg/ NOXO0LN^NuPromptAndSaveTextToMemo - NVH8&n (n$n/ NO>BRA-P.HHATp|XO`z`x0EGlfRv`RpAT0epr0pt0ApBnp刘0p0.Jl@AP`AB0PRE EmAx=Ph..@. .@.0.@z`A0PRRRE EmXFGmpLN^Nudf1NVH $nv`RC0C AT0e0C ATr00C ATt0ApBn0C AT00C AT0 cp` /./. / pAh pNOLN^NuDecodeNV?./././.?. /.HzHzNuN^Nudc1NVH&n "n~vv.HHATp|`z` 6Enl A0P`AB0PRE EmAV-P.?@.?@.?@.H@@ .HAA@.H@@0A@z`rAx0Pp.@Hĉ@HDv`RC0C ATr00C ATt0ABn0C ATr0A0C ATr0ApRGRE0EpeVFnm n0.+|`RF0F ATr00F ATt0ApBn0F AT00F AT0pLN^Nuef1NVH8..$n&n(n6.|z`>xREHv`Hp20DRC0Cpe0D "` N,RJfAd=P @ @|v`(8DAp0@8 G000@`RFRCn m0LN^Nuec1NV// n<. :.rt`0 H@HRBFm0*,N^NuCalcCRCNV/ /vHx` N$HBnHn/ /.HzHz&Nu6Of,?./. /./.?./ HzHzNu6O/ ` N0XO&$_N^NuDecodeRegNVH $n /././ /.NH6*xvO` @@ RC0CpeXDv*Kp*@B*B*?<?/ HzHzNu:CWDHPOL8N^NuValidateRegNV/ $nJf/ HzHzJNuXOJfp`6Jjg jR(Sj(` j (o jS(Sj(Jj(]DH$_N^Nu#AnotherUse__19RegistrationDetailsFvNV nBhN^Nu#Invalidate__19RegistrationDetailsFvNV/ $nJg\ jBh/< /*HzHzNu j1@<?< /*//-NOR@r2XO/` N$/-/NOX/ NO` k(m0k( H@J@flHx` N(H0+(R@?A HP/ NO/ NOR@r2XO/` N$/ /NO/ ` NXO JL8N^Nu4GetRegistrationMessages__FP19RegistrationDetailsiPPcYour registration expired on 01/%i/%i You have less than %i months left in your registration. It will expire on 01/%i/%iYou have %i uses left in your registration.NVH8(.(n &nJg6/,/ ` N|$HAHP/ ` N|$HOJg6/,/ ` N|$HAHP/ ` N|$HOv`L0C  sJgJ0C /3/ ` N|$HA:HP/ ` N|$HRCO0C JfAHP/ ` N|$H/-/ ` N|$HB'/ ?<./` N?<./NO\O?/NO&H?<./NO\O?/NO$HHnHnHn/ NO0.nO8c 6.n`Jng6.`v?.?Bg?./ NOO LN^Nu5SetFeedbackText__FP8FormTypeP19RegistrationDetailsPPc NVH $n8. v`20C Jg$ /2` N0C BXORCDmLN^NuFreeMessages__FPPciNVH0$n|0@"g`>&j :*8*6E?<.` N$HxJCTOlDCx?/ NOLPOL xN^Nu RegFormHandleEvent__FP9EventTypeNVH8:.ACp"QJ-f2/.HmNHmHmHm` N|OJng HmNdXO.f 0-WDJf0m H@J@WDJf` m]DgJmg m\DJg>Jmg8` N8H ` N@m D]DJg?<.NOo&HHm/ NO/. NO6 COov?/. ?AHPHnNOHn/ NOJ Og B'/- ?<./ ` NO HmN$H XOgB'/ ?<./ ` NO ?<./ NO\O?/ NO(H/ NO9$HA^C""""O 6- g*Hn/ NOJ@POg/ HnNO/ HmNdO`B.EJCf:Jmg4/-NOR@r2XO/` N$/-/NOXO / ?HmN$HHnHm/ N?<HnN?<./ NO\O?/ NOy/ ` N/ NO9$H O*gHn/ NOJ@POf g / HmNPO/ NOpXO0-L8N^NuVerifyRegistration:%*s v. %iNet+GFE is designed for nationwide use. Therefore, many data fields do not apply to your location. To insure that none-applicable data fields are not used, verify that these fields only contain zeros and they are not checked marked. We recommend before using Net+GFE that you input standard fees for your area. These will become your default values until they are changed. To enter numbers within fields, tap on either the name of the field or its corresponding number. A separate Edit Screen will appear. All Edit Screens allow you to "credit" the amount within that field. Merely check the "Credit" box and then tap "OK". Whenever you credit funds within fields governed by checkboxes on the main screen, you must also checkmark the checkboxes for the credit to calculate. Within some Edit Screens you may select "Rate" or "Fee". Examples include Origination, Discount, and Broker Fee. Some Edit Screens allow you to select "Rate" or "Fee" and a time period (number of days or number of months). Examples include Interest and Hazard Insurance under Prepaids; and Hazard Insurance, Mortgage Insurance, and County Tax under Reserves. To select figures to use within your calculations, checkmark them. The "Options" Menu allows the user to Set Defaults, Use Defaults, and Reset the program: Set Defaults: After entering all required data, you may "set" that data as your default. Afterwards, you may change any or all of the data with the confidence that you can recover your "set" information. Use Defaults: Tapping on this option recovers data that was "set" using Set Defaults. Reset: When you need to begin a netsheet from scratch, yet retain your local area defaults, tap this option. It will zero out the existing Price, Mortgage, Rate, and Term figures as well as remove all checkmarks. After entering all required data within Net+GFE, tap on the "Closing" button at the bottom of the main screen. This will initiate a pop-up Closing Funds Screen which will show you the amount of the buyer's down payment, total closing costs, and total funds required to close. You may launch any other Realtor Tools programs from within Net+GFE by going to the "Launch" menu and tapping the appropriate program name. Net+GFE has a "beaming" feature designed into the program. Go to the "Share Me" menu and then tap on "Click Here". Ensure the receiving handheld is 9-46 inches away and has been set to receive beamed information. The IR ports must be in line and not obstructed. You may scroll down within the program in two ways: from within the program (scroll feature located on the right side of the screen) or by pressing your handheld's scroll buttons (two smaller buttons located on the unit's body directly below the screen). For detailed information on using Net+GFE, download the Realtor Tools Instruction Manual from www.in-hand.com24( 4Nh&NvBRz$8Hp$ReFi: Page 45# Next6 Prev7 Calc8j IOK9Monthly Mortgage Details:"Pmts;P"Old<"New=0P&I>20/ BP?n00 "P@+0$Ah0$B?TaxesC+?$D2?/ BPEh@$Fn@0 "PGnN0 "PHhN$I2N/ BPJ+N$KNInsuranceL]PMIM+]$N2]/ BPOh]$Pn]0 "PQ TotalR+$S2/ "PTh$Un0 "PV!" ICancelWkHOA Fee:X+k$Y2k/ BPZhk$[nk0 "P2 8b|(>\ *RbFVpReFi: Page 1 # Next )Put closing costs in loan?  Calc Mortgage: b < "P[ $Total Closing Costs:b< "P[$' 4Total Mortgage:b4< "P[4$BMortgage Pay-OffsTFirst Mortgage:bT< BP[T$`Second Mortgage:b`< BP[`$lPre-Pay Penalty:bl< BP[l$ xOther:!bx< BP"[x$#:Total:$b< "P%[$& Prev'!" ICancel2 .Nh*Rr 0Xx $@PReFi: Page 5Old Mortgage:^Credit Pay-offs: Prev CalcU$ZF P Monthly Total PaymentDAssociated Costs(New Mortgage:U($Z(F P5Monthly Savings:U5$Z5F PQClosing costs:UQ$[QE PjPre-Pay Penalty:Uj$[jE PvTotal Loan Costs:Uv$[vE PBreak-even point: months.K P@ Done!" ICancelU^$[^E P2Ѐ  &@Zr >Nv"BRz"6ReFi: Page 3# Next Prev Calcj IOKCash Out Refinance? No]" YesMortgage Amount:d< P]$,Mortgage Pay-Offs:],$d,< P:Credit Pay-Offs:]:$d:< PIExcess Funds:]I$dI< PWCash To Borrower:]W$dW< Pf& "PfLTV:<f%v Lender may have LTV Restrictions with Cash Out refinances.vNote:!" ICancel2l 6L\$>Nv.>f ReFi: Page 2m'Credit Pay-Offsn Taxes:oZ $p` > BPq`-> BPrZ-$s-Liens:t:Judgments:uZ:$v`:> BPwFCollectionsxZF$y`F> BPzSAssessments:{ZS$|`S> BP}`Other:~Z`$``> BPmOther:Zm$`m> BP# Next Prev Calcj IOK:Total:b< P[$!" ICancel2 z  &*ReFi  @ T2           ]C`>Total:7 ReFi Details Hq:,2@ B^  8` Av$ OKB.w$ CancelCUJ< B D .EZv, CreditFUX< B G gTotal valueHUf< B I+J$ RateIJJI:!RateFNMAFeeK$X# of DaysLU;< MS2  Ng2  O\2  P<2  P2܈ B^ 0X v$ OK.w$ CancelUJ< B  .Zv, CreditUX< B  gTotal valueUf< B +J$ RateI:RateFee$X# of DaysU;< S2  g2  \2  <2  P2<Zx *F `d6 yK$ OKz-K$ Cancel{B&K B |}7, Credit~&$ Rate~&<RateFeea52  aA2  aK2 Q6< WF2  P2. $Hh  StarterApp.}Reg. Code:.5}X @.$ OK.1www.In-Hand.com'.Registration Details.%Your hotsync ID:.%+s @P.A7<?.2PNJ8  $L hl Save To MemoJ9@$ OKJ:+@$ CancelJ;*D Show MemoJ<IdentifierJ=CategoryJ>2_ @J?2. UnfiledJ?J@J@2 `,A2 tAbout ReFiz'0In-Hand IncVwww.In-Hand.com=n$ OKReFi Version 1.9@Copyright 2000-20042<ZL hv MK$ OKN-K$ CancelOF7K B P Q7, CreditlG/ d58 36 MSUROptionsSave To MemoSet DefaultsUse DefaultsReset-About ReFiRegistrationShare MeClick Here22i Vd| Z$ OKH Z @```@```0p  p@p 1 `@ @0@ `0`` d, $$ $ @1ASystem IncompatibleSystem Version 2.0 or greater is required to run this application.OK F @ p1BxD@H|1_Information^1 ^2 ^3OKWarning^1 ^2 ^3OKConfirm^1 ^2 ^3OKError^1 ^2 ^3OKTap Magic^1OK7 ?<In-Hand ReFi1.9