HomeMy WebLinkAbout06-03-14 (4) 1 1505610140
�J REV-1500 EX (02-11)(FI)
OFFICIAL USE ONLY
PA Department of Revenue
Bureau of Individual Taxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN 2 1 1 3 0 5 8 5
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
0 5 0 2 2 0 1 3 1 0 0 4 1 9 3 0
Decedent's Last Name Suffix Decedent's First Name MI
P H I L L I P P E S U Z A N N E E
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
1.Original Return 0 2.Supplemental Return 3. Remainder Return(Date of Death
Prior to 12-13-82)
4. Limited Estate 4a. Future Interest Compromise(date of 5.Federal Estate Tax Return Required
death after 12-12-82)
6. Decedent Died Testate 7. Decedent Maintained a Living Trust 0 8.Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
9. Litigation Proceeds Received 10, Spousal Poverty Credit(Date of Death [:] 11. Election to Tax under Sec.9113(A)
Between 12-31-91 and 1-1-95) (Attach Schedule 0)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime T@Igphone NumK
I V 0 V 0 T T 0 I I I E S Q 7 1 7r- _% 4 3 3 4 11
REGISTER OF-WILLS USE ONLYC7
raM rnm
o
First Line of Address
1 0 E A S T H I G H S T R E E T
Second Line of Address m
O O
C.l-1
City or Post Office State ZIP Code DATE FILED
C A R L I S L E P A 1 7 0 1 3
Correspondent's e-mail address: IOTTOPMARTSONLAW.COM
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge,
SIGNA g ,Fx RESPONSIBLE FOR FILING RETURN ZT
ADDRESS
10 AST H GH TREET CARLISLE PA 17013
SIGNATURE OF RE HER THAN REPRESENTATIVE DATE
ADDRESS
10 EAST HIGHT STREET CARLISLE PA 17013
PLEASE USE ORIGINAL FORM ONLY
Side 1
1505610140 1505610140 J \
J 1505610240
REV-1500 EX(FI) Decedent's Social Security Number
Decedent's Name: SUZANNE E. PHILLIPPE
RECAPITULATION
1. Real Estate(Schedule A) . . ... . . .. . . .. . ... . . . ... ... ..... ... . . . .. . .. . 1. 1 8 0 0 0 0 . 0 0
2. Stocks and Bonds(Schedule B) .. . . .. . . .. . .. . ... .. . .. . .. .. . . .. ... .. . . 2.
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) .. . .. 3.
4. Mortgages and Notes Receivable(Schedule D) . .. . .. .. . .. . .. . .. . .. . .. . .. 4.
5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E). .. . .. . 5. 2 2 9 3 . 6 8
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested .. . .. . . 6.
7. Inter-Vivos Transfers&Miscellaneous N •Probate Property
(Schedule G) ff Separate Billing Requested .. .. . . . 7.
8. Total Gross Assets(total Lines 1 through 7) . . .. . .. .. . .. . .. . .. . .. ... . .. 8. 1 8 2 2 9 3 • 6 8
9. Funeral Expenses and Administrative Costs(Schedule H) ... ... .. . .. . .. . .. . 9. 2 4 7 1 5 . 3 4
10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule 1) . .. . .. ... ... . 10. 1 5 2 0 0 3 . 6 7
11. Total Deductions(total Lines 9 and 10) . .. . .. . ... .. . .. ... .. . .. . .. . .. . . 11. 1 7 6 7 1 9 . 0 1
12. Net Value of Estate(Line 8 minus Line 11) .. . .. . ... .. . .. .. . ... ... ... .. 12. 5 5 7 4 . 6 7
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) .. . .. ... .. . .. . .. . .. . .. 13.
14. Net Value Subject to Tax(Line 12 minus Line 13) . . .. . .. . .. . .. . ... .. . .. 14. 5 5 7 4 . 6 7
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)x.0 _ 0 . 0 0 15. 0 . 0 0
16. Amount of Line 14 taxable
at lineal rate X.0_ 0 . 0 0 16, 0 . 0 0
17. Amount of Line 14 taxable
at sibling rate X.12 0 . 0 0 17. 0 . 0 0
18. Amount of Line 14 taxable
at collateral rate x.15 5 5 7 4 . 6 7 18. 8 3 6 . 2 0
19. TAX DUE . . .. . .. . . . ... . . ... . . . .. . .. . . .. . .. . .. . .. . .. . .. ... . .. . .. 19. 8 3 6 . 2 0
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Q
Side 2
1505610240 1505610240 J
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address: 21 13 0585
DECEDENT'S NAME
SUZANNE E.PHILLIPPE
STREET ADDRESS
351 GRAHAM STREET
CITY STATE ZIP
CARLISLE PA 17013
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 836.20
2. Credits/Payments
A.Prior Payments
B.Discount
3. Interest Total Credits(A+B) (2) 0.00
4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. (3) 8.02
Fill in oval on Page 2,Line 20 to request a refund. (4) 0.00
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 844.22
Make check payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred ...................................................................... ❑ ❑
b, retain the right to designate who shall use the property transferred or its income ............................... ❑ ❑X
c. retain a reversionary interest ..................................................................................................... ❑ ❑X
d. receive the promise for life of either payments,benefits or care? ....................................................... ❑ I]
2. If death occurred after December 12,1982,did decedent transfer property within one year of death
without receiving adequate consideration? ....................................................................................... ❑ Q
3. Did decedent own an'in trust for"or payable-upon-death bank account or security at his or her death? ......... ❑
4. Did decedent own an individual retirement account,annuity or other non-probate property,which
contains a beneficiary designation?.................................................................................................. ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994,and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S. §9116(a)(1.1)(i)].
For dates of death on or after Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an
adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in 72 P.S.§9116(a)(1)).
• The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S. §9116(a)(1.3)].A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV-1502 EX-(12-12)
pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
SUZANNE E. PHILLIPPE 21 13 0585
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property
would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointlyowned with right of survivorship must be disclosed on Schedule F.
Attach a copy of the settlement sheet if the property has been sold.
ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTION
1. Real Estate located at 351 Graham St.,Carlisle Borough, Cumberland County,PA,known as Tax 180,000.00
Parcel No. 04-21-0322-154&being converyed by Deed dated 3/22/95 &being recorded in Comb
Co.,Deed Book 120, Page 29,and being conveyed to Suzanne E.Phillippe,Decedent herein.
Value is sale value. See attached Settlement Statement
TOTAL(Also enter on Line 1,Recapitulation.) $ 180 000.00
If more space is needed,use additional sheets of paper of the same size.
REV-1508 Ex+(08-12)
pennsylvania SCHEDULE E
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.
INHERITANCE TAX RETURN
RESIDENT DECEDENT PERSONAL PROPERTY
ESTATE OF: FILE NUMBER:
SUZANNE E.PHILLIPPE 21 13 0585
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. US Treasury,2013 1040 personal income tax refund 1,091.00
2. Proration,County Township Real Estate taxes 899.53
3. Proration, School Real Estate taxes 303.15
TOTAL(Also enter on Line 5,Recapitulation) $ 2,293.68
if more space is needed,use additional sheets of paper of the same size.
REV-1511 EX-(08-13)
pennsylvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
SUZANNE E. PHILLIPPE 21 13 0585
Decedent's debts must be reported on Schedule 1.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERALEXPENSES:
1.
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City State ZIP
Years)Commission Paid:
2, Attorney Fees: Martson Law Offices(estimated) 10,000.00
3. Famity Exemption:(If decedents address is not the same as claimant's,attach explanation.)
Claimant
Street Address
C'dy State ZIP
Relationship of Claimant to Decedent
4. Probate Fees:
6 Accountant Fees:
6. Tax Return Preparer Fees:
7. S.W. Barrett Real Estate and Appraisal Services,appraisal fee 375.00
8. Lowes,house key copies 7.92
9. Landex Title Search 1.89
10. UGI,gas service pending sale of real estate 815.67
11. Carlisle Tax Collection Bureau, school real estate taxes pending sale of real estate 3,254.42
12. Carlisle Tax Collection Bureau, county/borough real estate taxes pending sale of real estate 1,506.09
13. Craig Anderson, lawn care service pending sale of real estate 915.00
14. PPL, electric service pending sale of real estate 645.90
15. Carlisle Borough,sewer/water pending sale of real estate 217.70
16. Travelers,homeowner's insurance pending sale of real estate 940.00
17. Carl Ocker,disposal of unsaleable household items and house cleaning pending sale 6,000.00
I8. Carlisle Borough, final sewer/water 35.75
TOTAL(Also enter on Line 9,Recapitulation) $ 24 715.34
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(12-12)
pennsylvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES& LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
SUZANNE E. PHILLIPPE 21 13 0585
Report debts Incurred by the decedent prior to death that remained unpaid at the date of death,Including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. Sovereign/Santander Bank,outstanding balance on home equity line of credit on date of death 140,263.92
2. Craig Anderson, lawn care service,account payable 515.00
3. Carlisle Borough,sewer/water,account payable 650.90
4. 1%Realty Transfer Tax 1,800.00
5. Creative Building Concepts,house repair pending sale 50.00
6. Overnight Mail Fee 20.00
7. Seller assist,sale of real estate 8,703.85
TOTAL(Also enter on Line 10,Recapitulation) $ 152 003.67
If more space is needed,insert additional sheets of the same size.
REV-1513 EX-(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
SUZANNE E. PHILLIPPE 21 13 0585
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS pnclude outri ght spousal distributions and transfers under
Sec.9116(a)(1.2).]
1. Murray Ross Collateral 1,393.67
425 Dogwood Court
Carlisle,PA 17013
2. Annalee Smyth Atabay Collateral 4,181.00
P.O. Box 45
Bethany Beach,DE 19930
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
Il. NON-TAXABLE DISTRIBUTIONS:
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. E
If more space is needed,use additional sheets of paper of the same size.
REV-1500 Discount, Interest and Penalty Worksheet
Discount Calculation
Total Amount Paid within three calendar months of the decedent's date of death:
Discount: 0.00
Interest Table
Year Days Delinquent Balance Due Interest
this time period this year this period
Before 1981
1982
1983
1984
1985
1986
1987
1988 through 1991
1992
1993 through 1994
1995 throw h 1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011 through 2014 117 836.20 8.02
TOTALS 117 8.02
Penalty Calculation
If the decedent's date of death was on or before March 31, 1993, insert the applicable amount:
Total Balance Due on January 17, 1996:
Penalty:
• `� �'�.. OMB Approval No.25020265
e � A. Settlement Statement(HUD-1)
E. T) oof Loan
LE]FHA 2 E RH5 3 ❑X Conv Unins. 6. File Number 7. Loan Number: 8, Mortgage Insurance Case Numbers
4.Q VA 5,Q Coov,Ins, 15644.1 1404080007
C. Note: This form's fwnishedlOgrveyouastatementofactua tseMementcosts. Amounts paid to and by the settlement agent are shown.
Items marked"(p.0 C)*word paid outside the closing:they are shown here for informational purposes and are not Included in the totals,
D, Name and Address of Borrower B Name and Address of Seiler, F. Name and Address of Lender:
Matthew R,Grown and Estate of Sizemore E.Phiilippe Integrity Bank
Elimbeth M.Brown 351 Graham Street 3345 Markel Street
143 S.West Street Carlisle,PA 17013 Camp Hill,PA 17011
Carlisle,PA 17013
G. Property Location: H. Settlement Agent: 1, Settlement Date:
351 Graham Street Manson Deardorff Williams Oho Gilroy 8 Faller
Carlisle,PA 17013 10 East High Street May 27.2014
Cumberland County,Ponnsylvania Carlisle.PA 17013 Ph. (717}243.3341
Pace Of Seliiameirt:
10 East High Street
Carlisle.PA 17413
J. Summary of Bumowe's transaction N, Summary of Settees transaction
100. Gross Amount Due torn BRrrgwe4 400. Grass Amount Due to SHiac
101. Contract sales price 1 780.000.00 401. Contract sales rice 184000 0 9
102, Personal O r 402, Personal propsrty
1036 Settlement Char as to Borrower Line 1400l 7,501.17 403.
104. 404 6666.... ...
,
105. t 465.
Adjustments for ftarrrs aid b Street to advance Atl ustments for items aid by Shier to advance
106 Coun ftw .Taxes 05128114 to 01101115 89953 405.,Countye*p Taxes 0528114 to 01/01115 899
107. School Taxes 05128/14 ho 07101114 303.15 407. School Taxes 05/28/14 to 07/01/14 303.15
108. Assessments to 408 Assessments to
109. 409,
fl0. 410.
III, -0ii.
112. 412.
120. Gross Amount Due from Borrower 188,703.85 420.Gross Amount Due to Seller 181,202.88
290. AmOunts Paid by Orin Baha@ of Borrower 500. Reduction$In Amount Due Seiler:
201_ Deposit or earnest money 5016 Excess deposit see instructions
202. Principal amount of new loans) 162 00000 502. Settlement charges to Seiler Line 1400 1,855.75
2036 Existing loans)taken subject to 503. Ex,stinar Inertia)taken suoeeUo
204, 504. Payoff First Mortgage to Santander Bank,NA(4539 140,59005
205_ 505-Payoff Second Mangan
296. 506.
207. �T_ 507
208 50$.
209. Seilet Assistance 8,70385 509, Seller Assistance 1 8,703.85
Ad um tun aid by Seller Adjustments for items unicald by Seikv
210. Coun 1I .Taxes to 5106 CounigtiwR.Taxes to
211. Schoni Taxers to 511. School Taxes to
212. Assessments to 1 512, Assessments to
213. 513.'
214. 514. 1
215, i 515, t
216, 516
217. 517.
218 518
218 519.
224 Total Paid b tfor Borrower 170,70385 620, Total Reduction Amount Due Seiler 151,14965
300. Cash at Settlement franrtto Borrower 600. Cash at Settlement to/from Seller
Jul. Gross amount due from Borrower line 120 188,743 85 6016 Gross amount due to Seller line 420 181,202.68
302. Less amount paid b Ifor Borrower(line 220) ( 170.703.85) 1 602, Less reductions due Seller line 520) '( 151,14965
303. Cash �From To Borrower 1 18,000 W 603. Cash To From Seller 30,053 C3
vmd omeae ricbNng bYaorr rtal. {al rona y.o.mrza.party;ip El
The unddrslgn,:d hereby yEt! �eedge rG.Oipt of acompletetl copy of ihiaslatemenl8atryavachments eferractO herein
8Orrower ,J,N�Ir Seller '
Merit R.Bra Estaf 28nne E P dbppe '-
By
EI)ta t M,8 w r
The Wblicmourning edition rot for red-nind al imodo,eon,a unduabtl.135 m utuat Vei itldponse let ture[M1ng,renex,no,and teponina Ne tla4 Thir agenry may out wdracl in,%inundation and Y"p are
eensaru,reolomioamaemnaaur,nq tlol-oO,,ritaafwljen..visa OMBconednumael na Cenaaenp.aly apyfuled Nisdluderammandatory rhinad.....a m croun.Ten patient Ir a RFiran. red
soars w� '"°` Page l of HUDI
{15844,tt15644_tA0}
C.Settlement Char as
700.Total Real Estate Broker Fee,
707.$ $0
Division ofcomm+ssion Nina 700)as follows:
Paid Fmm Peed From
7028 to 9arrovrels Sellers
701 Commission m, t settlement FOng9 at Funds at
704. Settlement
SCitkmenl
705.
800.Ram$Payap10 In Connection with Loan
801.OUr on mation Char e
802.YOUr credit 0,char a iota for then S 2,"Fir GO From GFE#1
80 Your adjusted ecikc Inter¢etlate chosen
i h .-. [from-�..�.
BO4, sisal tee from
805.CreddReod to CR Dpaence FE
2448.00
to FirstAmerican CREDCO Mom GFE#3
806.Tax service to from GFE#3 350.00
807:Flood ce rtification from GFE#3 49,29
808 Final insE coon to Frr°tRmen can CREDCO
to CR Consullin from GFE p3
809 12.00
Mom FE#3
810' 100.00
811.
from GFE#3
900.Rem,R Land From GFE#3
equtrad by er to Be Paid in Atlr ffram GFE#3}
901.Dail inter ante
Cat char enumn 0 tp 06�i714 5
902,Mortgage insurance premium(or SZ1.400000/da Mom GFE#10
903 Homeow"ll insurance For 10 mon(hstp 106
- Yoazs to Sa(eco Insurance (from GFE#3)
904.
905. (from GFE#it)
(from GPE#11) 730 QQ
1000.R6a l dep De or you,with Lentlor (from GFE#11)
f 001Jmtiai tleppsit for your or
account
1002_Homeowner's insurance (tram GFE#g)
1003.Mort IS Insurance months Q E per month
1004,Pr months g S
p d !axes er month 5
Count/rw .Taxes S
School Taxies months � S r month _
lell months S per morn
1007. months S er
month S
1008. months $ Per Month
-�-^ -_
1009. S ` -
1100.Title C,-_huturgas S
S
1101 Title services and lender's line insurance
1102. Selllement Or Ciosin fee Fom GFE ill
1103. Owners Mile Insurance fo Oid Re 5 1,65500
1104.Lender's ut a insurance io Oltl R p�fiC National Plle Insurance Company
Cpubiic National Title Insurance Company from GFE#5)
0
1105. Lend er'sitle policy limit Y S 7.x90.00 90.00
1106. Owners title policy limit S 782,OOp,00
1107. Agent's Canton of the t4lal till S 'So oft 00
e insurance premium to Morison Dea"m WNiiams Otto Garo F
1108. Und¢nySe,v,portion of the total line Insurance premium to Old Republic National Tile insurance Ca
� Y& a $ 1,343.00
t1Q9. Closing Service Leger
1110. Overnight Mail Fee Old Republic National Title Insura�e COnpyn S 237.00
ill" to Manson Deardorfr Williams Oho Girl y 7500
1112 '-"---- l&Fair,
1113. S 2000
1200.Gev�Recortlin0 and Transfer Ch R+ S
1201.Government reco din char es to immortal Coun Recorder of Deeds
12Q2.Deeds b700 from GFE#7
1203.T(ansfertaxe5 Marl a e S 93.Op Releases S 160.00
1204.Cl,fCCurl taxnnam s to Cumberland County Recorder of Deeds Other S
3 1,800.00 {From GFE#8) 180006
1205.State tax/stam s S
1206, S 1.800.00 S
1207. 1 We 00
t300.Additional SCBiemenf Charges
1301.Raqui_wed services that
1302. Fin I You can Shop for
a Water/Sewer {from GFE#6)
1303. to norough of Carlisle
1304. S Acct,#g104??
1305 $ 35.75
1400,Total Settlement Ch S
rsw o.,wu,arp,s„a nrnano.eraugael ru onlines103,Seetlon Jan S
d 502,Section NJ
ar e.q,.,^e>•s=ivrm:numm�m.mna 11.ianml o,mira.v+mnp �--_ 7SOL17 1.855.75
anan„na eaw.n+bs.«wpran wmv««4 wvr mvnun z a s of nn wren
pogo mromem
Mattson D�ipiams Otto Gilroy 8 Faller,Setll A emen
4 gent
Page 2 of
HUD-t
{15644.1/15644 1?0)
Et on of Good Faith Estimate(GFE}and NUO.l Charges Good Faith Estimate hat Cnnot Increase HUD I Line Number tin charge k 801 244800 ed origination charges 0803 2,448.00 2.64800
xe. 4 i203 1.800.00 1 800.00
Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUD-1
Government recording charges 01201 t}g 00 16000
Appraisal fee 0804 37506 35000
Credit report 0 805 30.00 49 29
Tax service n 0 806 89.00 0.00_
Flood certification 0807 1200 L 12.00
Final inspection 0805 25000 00
Total 83100671 29
Increase between FE and HUD-1 Charges S 159.71 or -1922
Charges That Can Change Good Faith Estimate HUD-t
Daily interest charges 0 901 $ 21 400000/day, 320.63 106.88
Homeowner's insurance 0 903 600.00 730.00
Title services and lender's title insurance 01101 1,590.00 1,655.00
Owner's title insurance to Old Republic National Title insurance 01103 100.80 9000
Loan Terms
Your Initial loan amount is S 162,000.00
Your loan term 1s 30.00 years
Your initial Interest rate is 4.7500%
You r in itial month ly amp u nt owed for principal,interest and 5845.07 includes
any mortgage insurance is
Q Pnncipai
Q Interest
O Mongagelnsurance
Can your interest rate rise? No [] Yes.it can rise to a maximum of %. The first
change will be on_and can change again every_months after
Every change date,your interest rate can increase or decrease
by %, Over the lire of the loan,your Interest rate is guaranteed
to never be lower than_%or higher than %.
Evan if you make payments on time,can your loan balance rise? 0 NO 0 Yes.it can rise to a maximum ol5
Even if you make payments on lime,can your monthly O No [—] Yes,the first increase can be o0, and the monthly
amount owed for principal.Interest,and mortgage insurance malt amount owed can rise to S
The maximum it can ever rise to is$
Does your loan have a prepayment penalty? pX No O Yes,your maximum prepayment Penalty is$
Does your ban have a balloon payment? Q No E] Yes,you have a balloon paymem of$
due in_years an
Total monthly amount owetl including escrow account payments 19 You do not have a monthly escrow payment for items,such as property
taxes and homeowner's insurance. You must pay these items directly
yourself.
0 You have an additional monthly escrow payment of SNIAthat results
in a total infiai monthly amount owed of$N/A. This in Lucas
principal.interest,any mortgage insurance and any Items checked below,
0 Propertyonmi, E] Htlmaownersinsurance
0 FlPixinsurance ❑
0 0
Note. If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender.
Page 3 of 3 HUD-1
(15644.1115644 AUDI
HUD-1 Attachment
Borrowerjs):Matthew R. Brown and Elizabeth M. Seller(s): Estate of Suzanne E. Phillippe
Brown
143 S.West Street 351 Graham Street
Carlisle, PA 17013 Carlisle, PA 17013
Lender:Integrity Bank
Settlement Agent:Martson Deardorff Williams Otto Gilroy&Faller
(717)243-3341
Place of Settlement: 10 East High Street
Carlisle, PA 17013
Settlement Date:May 27,2014
Property Location:351 Graham Street
Carlisle, PA 17013
Cumberland County, Pennsylvania
Seller Loan Payoff Details
Payoff First Mortgage to Santander Bank,N.A. Re:4539281178
Loan Payoff 140,590.05 As of 05/30114
Total Additional Interest days@ 15.670000 Per Diem
Total Loan Payoff 140,590.05
Adjusted Origination Charge Details
Origination Charge
Origination Charge
to Integrity Bank 1,620.00
Underwriting Fee
to Integrity Bank 795.00
Document Prep Fee
to Integrity Bank 3100
Total $ 2,448.00
Origination CreditlCharge(points)for the specific interest rate chosen
Total $
Adjusted Origination Charges $ 2,448.00
Title Services and Lender's Title Insurance Details BORROWER SELLER
Closing Service Letter 75.00
to Old Republic National Title Insurance Company
Electronic Document Production 50.00
to Martson Deardorff Williams Otto Gilroy&Faller
Overnight Mail Fee 2000.
to Martson Deardorff Williams Otto Gilroy&Faller
Wire Fee
to Martson Deardorff Williams Otto Gilroy&Faller 20.00
Lender's title insurance
to Old Republic National Title Insurance Company 1.490.00
Total $ 1.655.00 $ 0.00
WARNING: It is a crime to knowingly make false statements to the United States on this or any similar to=. Penalties upon conviction can
include a fine and Imprisonment. Furdetails see: Title 18 U.S.Code Section 1001 and Section 1010.
(15644.1115644.tno)
,t HUD-1 Attachment- Continued
Owner's Title Insurance BORROWER SELLER
Owner's Policy Premium 90.00
to Old Republic National Title Insurance Company
Total $ 90.00 $ 0.00
Lender's Title Insurance
*fees also shown above in Title Services and Lendees Title Insurance Details BORROWER SELLER
Lender's Policy Premium 1,210.00
to Old Republic National Title Insurance Company
Lender's Endorsement Charges 280.00
Endorsement Endorsement Charge
Endorsement PA 100(No Apparent Violation of 50.00
Restrictions)
Endorsement PA 300(Survey Exception) 50.00
Endorsement PA 900(Environmental Protection Lien) 50.00
Endorsement PA 1030(Special Risks) 130.00
Total $ 1,490.00 $ 000
WARNING: It is a crime to knowingly make false statements to the United state.on this ora.y almilarform. Penalties upon conviction can
Include a fine and impdsonment. Fordetalls a": Title 18 U.S.Code Section 1001 and Section 1010.
(15644.1/15644ARO)
SoVpy.p� y� Loan Servicing l�l e A . . Vfad Code: 10-b21-CN2
450 Penn Street
Reading PA 19602
Phone number. 1-877-30V-BANK
Fax number. 1-800-433-8779
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June 27, 2013
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a No V Otto III
i Martson Law Offices
10 East High St.
x Carlisle, PA 17013
s
RE: Suzanne Phillipe Acets - XXXXXXI 178
X2175
) Y3493
Dear Mr. Otto,
gThank you for choosing Sovereign Bank and allowing us to assist you with your financial needs.
Enclosed please find the loan information you requested.
s Acct No. 4539281178 Acct Opened September, 2009 Balance $140, 263.92
Acct No. 4539742175 Acct Opened November, 2010 Balance $ 50.00
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If you have any questions or concerns about your loan,please contact any of our Loan Servicing
Representatives at 1-877-SOV-BANK, 7 days a week from 7:00 a.m.to 8:00 p.m.
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Sincerely,
0
a
Consumer Loan Servicing
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