R-2008-17b
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10300 Torre Avenue
Cupertino, California 95014
Telephone: (408) 777-3308
FAX: (408) 777-3333
COMMUNITY DEVELOPMENT
CITY OF
CUPERJINO
July 14, 2008
Frank Ho
12480 Saratoga Ave.
Saratoga, Ca. 95070
SUBJECT: RESIDENTIAL DESIGN REVIEW ACTION LETTER - Application R-2008-
17; RM-2008-21:
This letter confirms the decision of the Director of Community Development, given on
July II, 2008; approving a Residential Design Review to construct a new two-story 2,372
square foot residence and a Minor Residential Permit for a side and rear facing second
story balcony on the new residence, located at 18644 Loree Avenue, with the following
conditions:
1. APPROVED PROTECT
This approval is based on a plan set entitled, "SuI Residence, New Custom
Homes, 18644 Loree Ave., Cupertino, CA 95014" consisting of five sheets dated
"May 12, 2008", except as may be amended by conditions in this resolution.
2. FRONT YARD TREE
The project shall plant one City approved front yard tree. The tree shall be 24-
inch box or larger, with a minimum height of six feet.
3. PRIV ACY PROTECTION PLAN
The Privacy Protection Plan shall be revised to satisfy the requirements as
outlined by the Cupertino City Ordinance. Final Privacy Protection Plan shall be
reviewed and approved by the Director of Community Development prior to
issuance of building permits.
4. PRIVACY PROTECTION COVENANT
The property owner shall record a covenant on this property to inform future
property owners of the privacy protection measures and tree protection
requirements consistent with the R-1 Ordinance, for all windows with views into
neighboring yards and a sill height that is 5 feet or less from the second story
finished floor. The precise language will be subject to approval by the Director
of Community Development. Proof of recordation must be submitted to the
Community Development Department prior to final occupancy of the residence.
Printed on Recycled Paper
5. CONSULTATION WITH OTHER DEPARTMENTS
The applicant is responsible to consult with other departments and/ or agencies
with regard to the proposed project for additional conditions and requirements.
Any misrepresentation of any submitted data may invalidate an approval by the
Community Development Department.
6. NOTICE OF FEES, DEDICATIONS, RESERVATIONS OR OTHER EXACTIONS
The Conditions of Project Approval set forth herein may include certain fees,
dedication requirements, reservation requirements, and other exactions.
Pursuant to Government Code Section 66020(d) (I), these Conditions constitute
written notice of a statement of the amount of such fees, and a description of the
dedications, reservations, and other exactions. You are hereby further notified
that the 90-day approval period in which you may protest these fees, dedications,
reservations, and. other exactions, pursuant to Government Code Section
66020(a), has begun. If you fail to file a protest within this 90-day period
complying with all of the requirements of Section 66020, you will be legally
barred from later challenging such exactions.
Please note that an appeal of this decision can be made within 14 calendar days from
the date of this letter. If this happens, you will be notified of a public hearing, which
will be scheduled before the Planning Commission. Please be aware that if this permit is
not used within one year, it shall expire on June II, 2009.
S~n~.eerr~eYj y, /.
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Elizabeth Pettis
Assistant Planner
City of Cupertino
Enclosures:
Approved Plan Set
CC: Ted SuI, 18644 Loree Ave, Cupertino Ca 95014
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Freeways 1
Annotation
Street Names
Address
Street Centerline
ParcelOutline
Right -of -Way
Parcels
City Boundary
® Aerials - 2006
City of Cupertino Lv-ee- AX
SCALE 1 :299 I (:�3
20 0 20 40 60
FEET (� Lt • `� ��
http://gissvr/cupertinoassessor/home/mapFile.aspx
1
Friday, June 06, 2008 2:18 PM
County of Santa .Clara
Office of the County Clerk -Recorder
Business Division
County Government Center
r�
70 West Bedding, Street, E. Wing, 1St Floor
San Jose, California 95110 (408) 299-5665
For CLERK -RECORDER'S USE ONLY
ENVIRONMENTAL DECLARATION
OCT 0 1.2a
POSTED ON SEP 0 1.2 OUGH
IN THE OFFICE OF THE COUNTY CLERK -RECORDER
REGINA ALCOMENDRAS, COUNNTY�, L`ERK
BY _DEPUTY
NAME OF LEAD AGENCY:
NAME OF. APPLICANT: i- ro_r_ �_
CLASSIFICATION OF ENVIRONMENTAL DOCUMENT:
1. ( ) NOTICE OF PREPARATION.
2. (( NOTICE OF EXEMPTION
50.00 COUNTY CLERK FEE REQUIRED
3. NOTICE OF DETERMINATION:
FOR CLERK -RECORDER FILE STAMP
l� S
SEP 0 2 2008
REGINA ALCO, Z DRA , ounty CI � -Recorder
Saala Clara Count
Bp �' Deputy
VAI\1ES8A 1 <s T`'
CLERK -RECORDER FILE NO.
E-1501
CA Dept. of Fish and Game Receipt #
NEGATIVE DECLARATION PURSUANT TO PUBLIC RESOURCES CODE & 21080(C).
(I. ) $1926.75 REQUIRED ($1876.75 STATE FILING FEE AND $50.00 COUNTY CLERK FEE)
( ) A COMPLETED "CEQA FILING FEE NO EFFECT DETERMINATION FORM" FROM THE DEPARTMENT OF FISH &
GAME, DOCUMENTING THE DFG'S DETERMINATION THAT THE PROJECT WILL HAVE NO EFFECT ON FISH,
WILDLIFE AND HABITAT,. OR AN OFFICIAL, DATED RECEIPT/ PRO -OF OF PAYMENT SHOWING PREVIOUS
PAYMENT OF THE DFG FILING FEE FORTHE SAME PROJECT IS ATTACHED:
50.00 COUNTY CLERK FEE REQUIRED
ENVIRONMENTAL IMPACT REPORT PURSUANT TO PUBLIC RESOURCES CODE 6 21152
( ) . 2656.75 REQUIRED ($2606.75 STATE FILING FEE AND $50.00 COUNTY CLERK FEE)
( ) A COMPLETED "CEQA FILING FEE NO EFFECT DETERMINATION FORM" FROM THE DEPARTMENT OF FISH &
GAME, DOCUMENTING THE DFG'S DETERMINATION THAT THE PROJECT WILL HAVE NO EFFECT ON FISH,
WILDLIFE AND HABITAT, OR AN OFFICIAL, DATED RECEIPT/ PROOF OF PAYMENT SHOWING PREVIOUS
PAYMENT OF THE DFG FILING FEE FOR THE SAME PROJECT IS ATTACHED:
50.00 COUNTY CLERK FEE REQUIRED
NOTE:,'SAME PROJECT MEANS NO CHANGES. IF THE DOCUMENT SUBMITTED IS NOT THE SAME (OTHER THAN DATES), A -NO EFFECT
DETERMINATION" LETTER FROM THE FISH AND GAME FOR THE SUBSEQUENT FILING OR THE APPROPRIATE FEES ARE REQUIRED.
4. Other:
NO PROJECT swu BE OPERAT/VE, VESTED, OR FINAL, NOR SHALL LOCAL GOVERNMENT PERMITS FOR THE PROJECT BE VALID, UNTIL THE FILING
FEES REQUIRED PURSUANT rO 7HIS SEC77ON ARE PAID.' FISH & GAME CODE SECTION 711.4(C)(3)
NOTICE TO BE POSTED FOR Q DAYS.
THIS FORM MUST BE COMPLETED AND ATTACHED TO THE FRONT OF ALL ENVIRONMENTAL DOCUMENTS LISTED ABOVE
(INCLUDING COPIES) SUBMITTED FOR FILING.
CHECKS SHOULD BE MADE PAYABLE TO: SANTA CLARA COUNTY CLERK -RECORDER.
Board of Supervisors: Donald F. Gage, Blanca Alvarado, Pete McHugh, Ken Yeager, Liz Kniss
County Executive: Peter Kutras, Jr.
01-01-2008
F
} 02 1A $ Q1"
0004358612 JUN 26'
MAILED FRONT ZIP GOOF;
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CITY OF CUPERTINO t'
10300 TORRE AVENUE
CUPERTINO, CA 95014-3255
(408) 777-3200 s w x
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MP TO:
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�= Cupertino, 4
kR,s62 95C!7.92t 9 "ARD
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TABLE TO FORN
i
/RD ORDER
NO FORWA 0 V, yl
RETTURN '.I'OY POST-MBRa •{� /
t .
XDRVSSE
Y
CUPERTINO
June 25, 2008
Dear Resident,
Community Development Department
10300 Torre Avenue
Cupertino, California 95014
Phone (408) 777-3308
Fax (408) 777-3333
The City of Cupertino Planning Division received an application (file number R-2008-17
and RM -2008-21) for a Residential Design Review to construct a new, two-story 2,372
square foot single family residence and a Minor Residential. Permit to construct a side
and rear facing second story balcony on the new residence, located at 18644 Loree
Avenue. This application requires staff approval and neighbors within .300 feet are
notified with the opportunity to comment on the project.
City staff believes that the project is compatible with homes in the neighborhood and
intends to approve the project based on the enclosed plans.
Please contact me no later than Thursday, July 10, 2008 if you have any questions or
concerns that the City staff should take into consideration when making its final
decision on Friday, July 11, 2008.
The applicant and any neighbor that contacts me on or before Thursday, July 10, 2008
will receive a letter describing the action taken.
Elizabeth Pettis
Assistant Planner
(408) 777-33.19
elizabethp@cupertino.org
Enclosures
11x17 plan set,
375 19 003 375 19 004 375 19 005
Lemy Raymond & Donna Chan Trang & Tran Tuan Vu
18605 Loree Ave 3047 Alexander Ave 18625 Loree Ave
Cupertino, CA 95014 Santa Clara, CA 95051 Cupertino, CA 95014
375 19 006 375 19 007 375 19 008
Ranjit Singh Taghi & Louise Saadati Naomi Salpeter
18635 Loree Ave 1153 Elmsford Dr 1655 Loree Ave
Cupertino, CA 95014 Cupertino, CA 95014 Cupertino, CA 95014
375 19 009 375 19 010 375 19 011
Mao & He Li Wang Jenny Yu Zhen Ng Yang Min & Chang Hsing-hui Chen
18665 Loree Ave 18675 Loree Ave 18685 Loree Ave
Cupertino, CA 95014 Cupertino, CA 95014 Cupertino, CA 95014
375 19 012 375 25 002 375 25 003
Shirley Barnes Nicholas & Morgan Susan Perrotto Jr. Mei Lin Ho
18695 Loree Ave 18595 Ralya Ct 18605 Ralya Ct
-Cupertino, CA 95014 Cupertino, CA 95014 Cupertino, CA 95014
375 25 004 375 25 005 375 25 006
Jing Chen Marilyn Williams Xinlin & Fan Ping Qing
18615 Ralya Ct 2100 Curtner Ave #C 18635 Ralya Ct
Cupertino, CA 95014 San Jose, CA 95124 Cupertino, CA 95014
375 25 007 375 25 008 375 25 010
Jungsying & Nienhui Pan Heinrich & Joyce Zehl Karen Hunt
18645 Ralya Ct 18655 Ralya Ct 18660 Ralya Ct
Cupertino, CA 95014 Cupertino, CA 95014 Cupertino, CA 95014
375 25 012 375 25 013 375 25 014
Gary & Connie Snowberger Corvan & Judy King Jane Bianchi
18640 Ralya Ct 18630 Ralya Ct 1458 Detracey St
Cupertino, CA 95014Cupertino, CA 95014 San Jose, CA 95128
375 25 015 375 25 016 375 25 017
Robert & Lucinda Sanchagrin J M Platt Margaret Jones
18610 Ralya Ct PO Box 10536 18590 Ralya Ct
Cupertino, CA 95014 San Jose, CA 95157 Cupertino, CA 95014
375 25 061 375 25 062 375 25 063
David Hu Liwu & Wang Shaojie Liu Jennifer Nguyen
PO Box 700384 10240 Johnson Ave 10230 Johnson Ave
San Jose, CA 95170 Cupertino, CA 95014 Cupertino, CA 95014
375 25 064 375 25 065 375 25 066
Jim Kimball & Mike & Elizabe Kimball Robert & C Chander Reesa & Mathew Thomas
1335 Merrivale West Sq 10210 Johnson Ave 10200 Johnson Ave
San Jose, CA 95117 Cupertino, CA 95014 Cupertino, CA 95014
375 25 067
375 25 068
Chi Man & Jung Ok Lee
Mohammad Shafikhani & R P Farzneh
18674 Loree Ave
18664 Loree Ave
Cupertino, CA 95014
Cupertino, CA 95014
375 25 070
375 25 072
Ted Sul & Amy Cheng
Jaime Martinez
18644 Loree Ave
18624 Loree Ave
Cupertino,, CA 95014
Cupertino, CA 95014
375 25 074 375 25 075
Leon & Margaret Torrey James & Beverly Meadows
901 Ferngrove Dr 18594 Loree Ave
Cupertino, CA 95014 Cupertino, CA 95014
375 25 069
Ramin Goudarzi
2375 Lindbergh Ave
San Jose, CA 95128
375 25 073
Hamid Pourabdollah
18614 Loree Ave
Cupertino, CA 95014
Basemap Labels
Abc Street Names
Address
........... -.1.1 Freeway
Basemap .
-- - Easements
m Street Centerline
-------- County Freeways
- County Major Roads
Right -of -Way
Parcels
City Boundary
C-1-ty of cupeldno
SCALE 1 :3,160
200 0 200 400 600
FEET
N
V)
http://gissvr/cupertinciintranet/home/mapFile.aspx Wednesday, June 25, 2008 2:09 PM
... � >_. h..i. .i .}_,u.. :r. .. ......v._:a Je. :..:.... fi.. . ....�,..�Y. .�:.,... .. ..)::: i.,.. .. ... .� �. ..;.1 ... ... .._. ... .... ., ,. ._. .tet.. �-ul... _ -.
ICOR TITLE COMPANY
CALIFORNIA FREMONT BANK
OF K
Fremont Branch #02 51606788
Escrow Trust Account Fremont, California,NO.
20111 Stevens Creek Blvd. 90.788/1211
Suite 270
Cupertino, CA 95014 ".FILE <NCJMB'€R h , DATES` '
AIUIOUNT> w ;
(408) 253-6990 00066665 - WC 1 11/12/2004
PAY FORTY-SIX DOLLARS and 6/100 $46.06
TO THE TED M. SUL AND AMY J. CHENG
ORDER 18644 LOREE AVENUE
OF CUPERTINO, CA 95014
ESCROW FILE COPY - DETACH AND FILE
........
DUPLICATE CHECK
NON-NEGOTIABLE
------ -- ------ ------
20111 Stevens Creek Blvd. Suite 270 Cupertino, CA 95014
Phnnp- (408)1 25.1-RQan Fay- (Am qr;R_R7R0
TICOR TITLE COMPANY'
Jr�
OF CALIFORNIA
J
Date : November 12, 2004
Ted M. Sul and Amy J. Cheng
18644 Loree Avenue
Cupertino, CA 95014
Re: Escrow No.: 00066665 WC 516
Property Address: 18644 Loree Avenue Cupertino, CA 95014
The above' referenced escrow has closed as of this date. In connection with the above mentioned
property, enclosed please find the following:
Q Check in the amount of $46.06
Q Closing Statement/RESPA Settlement Statement
We appreciate the opportunity of being of service to you. If we can be of further assistance, please
feel free to call upon us,
Sincerely,
Wai Ling Chu
Escrow Officer- Branch Manager
enclosures as noted above
20111 Stevens Creek Blvd. Suite 270 Cupertino, CA 95014
Phone: (408) 253-6990 Fax: (408) 253-3780
Recording Requested by:
CTC Real Estate. Services
176 Countrywide Way
MS: LAN -88
Lancaster, CA 93535-9944
(800) 540-2684
When recorded return to:
TED M SUL, AMY J CHENG
18644 LOREE AVE
CUPERTINO, CA 95014
DOCUMENT: �"__1'13006-0
BRENDA DAVIS
SANTA CLARA COUNTY RECORDER
Recorded at the request of
Recording Service
Pages:
Fees.... 9.00
Taxes...
Copies.
AMT PAID 9.00
RDE # 009/008
12/07/2004
12:24 PM
Above Space for Recorder's Use
DOCID#000664740812005N
FULL RECONVEYANCE
CTC Real Estate Services, formerly known as CTC Foreclosure Services Corp., as present Trustee under that certain Deed of Trust Dated
07/26/2004 and executed by:
TED M SUL, AMY J CHENG
and recorded on 07/29/2004, as Instrument or Document No. 17924236, in Book N/A, Page N/A of Official Records in the Office of the Recorder
of SANTA CLARA, California, having been requested in writing by the holder of the obligations secured by said Deed of Trust, to reconvey the
estate granted to Trustee under said Deed of Trust, does hereby reconvey to the person or persons legally entitled thereto, without warranty, all
the estate, title and interest acquired by Trustee under said Deed of Trust.
Dated: 11/2212004
CTC Real Estate Services, formerly known as CTC Foreclosure
Services Corp., as present Trustee
Christinaor,
Assistant Secretary
STATE OF CALIFORNIA
COUNTY OF LOS ANGELES
On 11/22/2004, before me, I. Menendez, Notary Public, personally appeared Christina Taylor personally known to me (or proved to me on the
basis of satisfactory evidence) to be the person whose name is subscribed to the within instrument and acknowledged to me that he/she executed
the same in his/her authorized capacity, and that by his/her signature on the instrument the person, or the entity upon behalf of which the person
acted, executed the instrument.
and official seal.
I. Menendez
Notary Public for said State
Expires: 10/14/2007
EUaee,, LMENENDEZH
w Comm #1445445 >
Q Y� o eo NOTARY PUBLIC-CALIFORNIAm
Los Angeles County
�� IFOR�� My Comm. Exp, OCT. 14, 2007
Hudc.rpl (12/172003) Primed by Terry Yip on 11/12/2004 at 08:24:41 AM
A. U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
-'ENT STATEMENT
-4.
Ticor Title Company a. 'Iia
20111-Stevens Creek
Suite 270
Cupertino, CA 95014
FINAL
S. TYPE OF LOAN
OMB No. 2502-0265
1. ❑ FHA 2. ❑ FMHI
❑ VA 5. ❑ COM
6. ESCROW FILE NUMBER:
00066665-516 WC
3.N COW. UNINS.
7. LOAN NUMBER:
002002157628
a. MORTGAGE INSURANCE CASE NUMBER:
C. NOTE: This toren Is furnished la give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown.
Items medred *(P. O.C.)'wara paid outside the dosing: theyare shown here rorinlormabonel purposes and are not Included /n the tots/s.
D. NAME OF BORROWER:
ADDRESS OF BORROWER:
Ted M. Sul and Amy J. Chang
16644 Loree Avenue
Cupertino, CA 95014
' E. NAME OF SELLER:
.. ADDRESS OF SELLER:
• F. NAME OF LENDER:
- ADDRESS OF LENDER:
CitiMDrtgage Inc.
1800 East Imperial Highway
Brea, CA 92821
G. PROPERTY LOCATION:
.
'
18644 Lome Avenue
Cupertino, CA 95014
Santa Clara 375-25-070
H. SETTLEMENTAGENT:
' PLACE OF SETTLEMENT:
Ticor Title Company of Callforrlla
20111 Stevens Creek Blvd., Suite 270, Cupertino, CA 95014
I. SETTLEMENT DATE
11/1212004 PRORATION DATE: FUNDING
DATE: 11/102004
J. SUMMARY OF
BORROWER'S TRANSACTION K. SUMMARY OF SELLER'S TRANSACTION
100:'Gross Afnount pue
Froin BGrcoWer � r �: '400 Gr`o5s"AFn-ffi
101. Contract Sales Price
- 'f y - 401. Contract Sales Pdce
102. Personal Property
402. Personal Property
103. Settlement charges to Borrower
(line 1400) 2,509.90 403.
104. Payoff to Countrywide Home
Loa 456,946.06 404.
105. Payoff to Countywide Home
Loan 57,854.61 405.
- Adjustments For Items Paid
By Seller In Advance: Adjustments For Items Paid By Seller In Advance:
• 106. City/Town Taxes
405. Cily/Tuwn Taxes
107. County Taxes
407. County Taxes
• 106. Assessments
408. Assessments
109.
409.
• 110.
410.
111.
411.
112.
412.
113..
413.
114.
414.
115.
415.
' 120. Gross Amount Due from
borrower. 517,310.59 420. Gross Amount Due to Seller
Hudc.rpl (12/172003) Primed by Terry Yip on 11/12/2004 at 08:24:41 AM
L. SETTLEME' IARGES:
:700 T_ otal Salt . .o66 Comrntssron _
Based on Price $
Division of Commission (line 700) follows:
701.$
702.$
703. Commission paid at settlement
704.
:800 Items Payable; in Connection With Loan x��, vs �;;
801. Loan Origination Fee
802. Loan Discount Fee
803. Appraisal Fee
804. Credit Report
805. Lenders inspection Fee
806. Mortgage Insurance Application Fee
807. Assumption Fee
808.
809.
810.
811. "See attached for breakdown
Brk Prem from CMI to Fair Lending
900 .... Requilei �y Lender To Be Paid irrAd1/ahcr
901. Interest from 11/10/04 to 12/01/04 @$58 95/day (21 days)
902. Mortgage Insurance Premium
903. Hazard Insurance Premium
904. Flood Ins. Premium
905.
1000 +Reseries Deposited With Leridbl tt k
1001. Hazard Insurance
1002. Mortgage Insurance
1003. City Property Taxes
1004. County Property Taxes
1005. Annual Assessments
1006.
1007.
1008. AGGREGATE ADJUSTMENT months @$
11b0 Trtie;Charges w
1101. Settlement or closing fee to Ticor Title Company of California
1102. Abstract or title search
1103. Title examination
1104. Title insurance binder
1105. Document preparation
1106. Notary fees to Ticor Title Company of California
1107. Attorney's Fees
(includes above item numbers:) '
1108. Title Insurance
(includes above item numbers: )
1109. Lender's coverage $ 453.000.00
i. uuisenrom ree [v i icor i me company or uaurorma
1112.
1113. **See attached for breakdown
'1200 government"Recording and Transfer C)a�es
1201. Recording Fees: Deed$ Mortgage $ 68.00 Release $
1202. City/County tax/stamps
1203. State tax/stamps
1204. City Transfer Tax
1205. County Transfer Tax
1206. Recording of 2nd D/T to Ticor Title Company of California
1207.
1300 Additional Settlement Charges p
1301. Survey to
1302. Pest Inspection
1303. 1st inst. 04-05 to Santa Clara County Tax Collect
1304. Home Warranty
1305. Property Inspection
1306.
1307.
1400. Total Settlement Charges (Enter on line 103,Section J -and- line 502
Hudc.rpt (12/17/2003)
OMB No. 2502-0265
Paid from _
Seller's
Funds at -
Settlement -
2,509.90 1 0.00
Printed by Terry Yip on 11/12/2004 at 08:24:41 AM
OMB No. 2502-0265
Attachments:' Escrow Number. 00066665-516 WC
BRtAKDOWN
Description
Buyer Seller
Amount Amount
CitiMortgage Inc., 1800 East Imperial Highway, Brea, CA 92821, Loan# 002002157628 453,000.00
National City Bank, 6750 Miller Road, Brecksville, OH 44141, Loan# 0003612994
59,950.00
Fair Lending, 20370 Town Center Lane #128, Cupertino, CA 95014, Loan#
Total of New Loans. 512,950.00
0U1000 ITEMS PAYABLEI.Id CONNECTIOWITH LOAN " 4 . ,a r,, i. , s
Description , ,
Buyer Seller
Amount Amount
815. Commitment fee to CitiMortgage to CitiMortgage Inc.
738.00
817. Cr. from broker for NRCC to Fair Lending
(2,709.25)
818. Flood Certification Fee to National City Bank
5.00
821. NCB paid broker fee to Fair Lending
(500.00)
822. NCB paid broker fee to Fair Lending
500.00
Total as shown on HUD Page 2 Line #811.
(1,966.25)
{IUD 113
1bETAILED BRFgfCbOWN OF TITLEGHAROES
-: ....
Description
BuyerSeller
Amount Amount
1117. Courier Fees to Ticor Title Company of California
25,00
Total as shown on HUD Page 2 Line #1113.
25.00
Hudc.rpt (12/17/2003) Printed by Terry Yip on 11/12/2004 at 08:24:41 AM
OMB No. 2502-0265
Escrow Number: 00066665-516 WC
9RAKDOWN OF PAS'01 FN HUD t�ne3104 t xz� r r 3kr t
'2
Payoff to: Countrywide Home Loan Loan #:. 66474273-1
400 Countrywide Way
Simi Valley, CA 93065
Description
Amount
45.00
Total Payoff 456,946.08
Total as shown on HUD line #104. 456,946.08
BREAKD6WN OF PAYOFF qN HUD 11ne 105 aux ra 7T r+:i
r 3
Payoff to: Countywide Home Loan Loan #: 66474081-8
400 Countrywide Way
A
Simi Valley, Ca 93065 Description Amount
Principal Balance 57,000.00
Termination fee 350.00
interest throu 11-17-04 504,61
Total Payoff 57,854.61
Hudc.rpt (12/17/2003)
Total as shown on HUD line #105.
57,854.61
Printed by Terry Yip on 11/12/2004 at 08:24:41 AM
Buyer/Borrower: Ted M. Sul
Amy J. Cheng
Property: 18644 Loree Avenue
Cupertino, CA 95014
i
TICOR TITLE COMPANN"%-.°�- CALIFORNIA
20111 Stevens Creek Blvd., Suite 270, Cupertino, CA 95014
(408) 253-6990
BUYERS/BORROWERS CLOSING STATEMENT
Final
Escrow No: 00066665-516 WC
".; ( t Close Date: 11/12/2004
3 �1bil
'it Proration Date:
Oi it0 U"it79�. Date Prepared: 11/12/2004
TOTAL CONSIDERATION:
Closing Funds '
NEW AND EXISTING ENCUMBRANCES:
Principal Amount of Loan from CitiMortgage Inc.
Second Mortgage from National City Bank
NEW LOAN CHARGES:
Commitment fee to CitiMortgage to CitiMortgage Inc.
Cr. from broker for NRCC to Fair Lending
Flood Certification Fee to National City Bank
Prepaid Interest to CitiMortgage Inc.
@ $58.95 per day From 11/10/04 To 12/01/04
NCB paid broker fee to Fair Lending
NCB paid broker fee to Fair Lending
Brk From from CMI to Fair Lending
TITLE CHARGES:
Lenders Policy to Ticar Title Company of California
Endorsement Fee to Ticor Title Company of California
Courier Fees to Ticor Title Company of California
ESCROW CHARGES
Escrow Fee to Ticor Title Company of California
Notary Fee to Ticor Title Company of California
RECORDING FEES:
Recording Fees to Ticor Title Company of California
Recording of 2nd DIT to Ticor Title Company of California
PAYOFFS:
Payoff to Countrywide Home Loan
$455,000.00 Principal Balance
$862.08 Interest From 11/01/2004 to 11/13/2004
$9.00 Recording fee
$30.00 Statement fee
$45.00 Reconveyance fee
Payoff to Countywide Home Loan
$57,000.00 Principal Balance
$350.00 Termination fee
$504.61 interest throu 11-17-04
ADDITIONAL CHARGES:
1st inst. 0405 to Santa Clara County Tax Collect
Sub Totals
Refund Due Buyer/Borrower
Totals
($5,263.66)
$4,406.65
453,000.00
59,950.00
738.00
(2,709.25
5.00
1,237.95
(500.00
500.00
1,104.25
25.00
25.00
225.00
40.00
68.00
45.00
$456,946.08
$57,854.61 1 .
1,705.95
517,310.59 517,356.65
46.06
$517,356.65 $517.356.65
TRUTH IN LENDING DISC',— `URE STATEMENT
(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
Applicant: Ted M. Sul Lender: CitiMortgage, Inc.
Amy J. Cheng 1000 Technology Drive
18644 Loree Ave O' Fallon, MO .63304
Cupertino, CA 95014
Loan No: 002002157628
Property: 18644 Loree Avenue Type of Loan: Conventional
Cupertino, CA 95014 Date: October 29, 2004
'Disclosure Type: Final
ANNUAL PERCENTAGE
FINANCECHARGE
Amount Financed
Total of Payments
RATE
The cost of your credit as a yearly tate.
The dollar amount the' credit will cost
The amount of credit provided to you oi
The amount you will have paid after'
you.
on your.behalf.
you have made all payments as
scheduled.
4.926%
451 659.96
$ 450,386.40
$ 902;046.36
REPAYMENT: See Payment Schedule below.
DEMAND FEATURE: FX -1 This loan does not have a' Demand Feature. F-1 This loan has a Demand Feature as follows:
REQUIRED DEPOSIT: Q The annual percentage rate does not take into, account your required deposit.
VARIABLE RATE FEATURE: MX This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier.
SECURITY: You are giving a security interest in the property located at: 18644 Loree Avenue
Cupertino, CA 95014
ASSUMPTION: Someonebuying this property ❑ cannot assume the remainder of the mortgage on the original terms
X❑ may assume, subject to conditions, the remainder of the mortgage on the original terms.
NON -FILING INSURANCE: $ N/A
PROPERTY INSURANCE: XQ Homeowtier'sinsurance, or fire and extended coverage, is a required condition of this loan. Also, if the property securing this loan Is
located in a flood hazard area, you will be required to obtain flood insurance. Borrower may purchase this insurance from any insurance company acceptable to lender
LATE CHARGES: If a payment is more than 15 days late, you will be charged a late charge of 6.000% of the payment.
PREPAYMENT: If you pay off your loan early, you
may ❑X will not have to pay a prepayment penalty.
❑ may Q will not have to pay a minimum finance charge.
❑ may Q will not be entitled to a refund of part of the finance charge.
See your contract documents for any additional information about non-payment, default, any requited repayment in fun before the scheduled date, and
prepayment refunds and penalties.
I1We hereby acknowledge reading and receiving a complete copy of this disclosure.
BORROWER/DATE Ted M. Sul BORROWER/DATE
BORROWERIDATE Amy J. Cheng BORROWER/DATE
159003 - 07/2212602 10020021 b76281
CitiMortgage 2.7.1..89
A. SE' LEMENT STATEMENT urban
Development Housing
end urban Development
B. -TYPE OF LOAN
OMB No. 2502-0265
1. FHA 2. FmHA 3.E] Conv. Unins. 6. File No. 7. Loan No. rortgage Insurance Case No.
4.F--] V.A. 5. Conv. Ins. 002002157628
C. NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown.
Items marked "(p o c)" were aid o t •d th I
9 Y
p us e e c os ng; the are shown here for informational purposes and are not included in the totals.
D N�§MEAfVD'ADDRESS t7F BORFIOVVER Ted:. iyl $n1 ArhyJ Cheng:..:..
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::..:..,.
:
E. NAME AND ADDRESS OF SELLER:
F NkNI
..
T T
G. PROPERTY LOCATION: TION• 1Sfia:
44 Lore e Avenue
Cupertino, CA 95014
TILE' E >: -.;. ..:..:...:..:.:.....
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SETTLEMENT MENT DATE:October 29, 2004
J. SUMMARY OF BORROWER'S TRANSACTION
K. SUMMARY OF SELLER'S TRANSACTION ;.
an n' ::::..:..:. .....
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ha«.
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. Personal
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ADJUSTMENTS
UST MEN S
T FOR R ITE MSP AID BY SELL ER IN ADVANCE:
ADJUSTMENTS FO......:
R ITEMS PAID BY SELLER IN ADVANCE:
.......................
10 & :.I.
......:::. lYJty.wrt ta. es:.::.::...:::.:::::,.::::.........:..::::::.::::::::::.:::...........:.:.::::..:::::::::::..:...:..
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�::�>>::;:;i
' . 107. County taxes
...........................:............:...:...:....�::..:::::::::::.�......:::.
407. Countytaxes -
8:.:::. s
ss.es.:Ment_......:::.::::::::::...:::................::.,:::.:..:..............::::::::::::::::::::::.....
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109.
409.
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e:
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411.
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.
.
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120. GROSS AMOUNT DUE
420. GROSS AMOUNT DUE
FROM BORROWER:
2,613.60
TO SELLER:
2:00::<::'Aty(O r:.:.
.:..........:... EHAiF....:@7F:>8!D
r.:::.::::.:.:::::::::.:.:............:.:.....::::..:.......:::................i3RQWEi........,
........:................>......:.w..:....:..::::::.�:::.. :..:..:.:..::::...,�.:...,
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UCTIONS IN ANlOUfIt7'.:D
x:.,.......,.........:
u....::
201. Depositor earnest money
:..:::::..:.:....:..:..
..................
501. Excess deposit (see instructions)
202 :prmct afamourito::
fnewfoartls) ..::;:;.; .:; <.'
453:000: OD
..:. •...::..:::....:..:..::.•... ;o...: ,...:.::.;:::.......,.;:.::::::;.
502 :SE1t[hrnentohar 0s:tosetlee:: me D';;.:';>:;<.<;•;;;.;y>.:.<::>;<'>:.>,::;...>::;`.:::
,.,....;::».:.:...:.:..:...;.:.
203. Existing loan(s) taken subject to
...
503. Existing loan(s) taken subject to
2....:;:<<..........
Oa ..
205.
505. Payoff of second mortgage loan
.. s'>i. ....»``ii:::::'3`>[?:>ssi`:":::>«<°:9.Es::::
...
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506.. :.:..::.: ...
507.
08.
........:....:..........:..::....::::.........::.i::::..i::i.:�:.>:�;:.;<:%::::.;v,>:�>:.:�
WERE:
209.
:;;>;:%:i:'s's?ii::UN:;ir<2?is>::::;:>;:::#;:::#'s:'>::::>:E:i:s::::>?
509.
.. - ADJUSTMENTS FOR ITEMS -UNPAID BY SELLER:
ADJUSTMENTS FOR ITEMS UNPAID BY SELLER:
210. City/town taxes
510. Cit y/town taxes
c Cou t
217
............................_.:..:.:::.:::.........
:.::.. :.
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taxaS:..;<:.:::::::::;:::.:::.::::::.....:::::.........
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212. Assessments
512. Assessments
.. 2 .................. iEi<!?:::>?`:`>ja........ii?!ii:'.;`E>3't;;?£;:">>`is?'.::?es >.iii::ii:::�:i
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514.
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216.
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518.
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_
TOTAL PAID O
.:.:...: .�.
........................iz.M:i>i
520. TOTAL REDUCTIONS
cM220.
BORROWER:
453,000.00
IN AMOUNT DUE SELLER:
.: :::::�:>s:;. :..::..::. .:..
301. 'Gross amount due from borrower (line 120)
:....:Ary
... a......:..:...
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2,613.60
601. Gross amount due to seller (line 420)
to (line
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303. CASH I QFROMJI XQTOJ BORROWER:
450,386.40
603. CASH / XQTOI' (Q FROM) SELLER:
HUD -1 (3/86)
RESPA, Handbook 4305.2
' __ 159032 - 09/78/2000 10020021576281
Page 1 of 2
HUD -1 Rev. 1
o
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700. TOTALALES /BROKER'S COMMISSION:
BASED ON PRICE $570,000.00 @ 0.000% = $0.00
PAID FROM
PAID FROM
ISIVISiONOFGOIVIM15SItl1V LIN 7dOkASFt#LLOWS;.;.;:;:;.<>::;'[:;:;:;;::::::'::>'r?<'.':....:>':;':.>::€::'::::;:':;.'.s;:..i'3:^'s"'
BORROWER'S
SELLER'S
:.:...:...............:...:..:.::::..:::..:::::::.,::::;,;::::::::::::::::::::,:::.::::::::::::::,:.:::::::::::::::::::::::.:;:.::.;::,,:::.;:;:;.:;:.;::.;:<.'.*..' ;:.;
701. $ to
FUNDS AT
FUNDS AT
<.::..." .. td:.......;
SETTLEMENT
ETTL MENT
SETTLEMENT
..........:.... .:::::::......::.:.:.::::::;::....,:::;:.:;.::;.:;:.<:::;:.:::,.:.:::;..:;.:::..:;.:.;:.;:.....;..;>::::;:zz:..::;:<::,:;:::......;.:......i:.......i.:
. ' 703. Commission paid at settlement
705.:::..,..........................:.................................
SOO.:... ITEMS p::.;;:.................................................................
PAYABLE IN "CONNE " "f
CONNECTION WITH LOAN:
.............-...................
': j:;' >:'':;;»::.;::',:;::>:.:,;:>:;:::. >;, :.;:<.;:_......i !a>E...........::>::!:>#'..;.:...£<i....Y"3..5'.>i• ::::>'::..z.'::::.'." :::
0
TICOR TITLE COMPANI _CALIFORNIA
20111 Stevens Creek Blvd., Suite 270, Cupertino, CA 95014
(408)253-6990
BUYERS/BORROWERS CLOSING STATEMENT
Estimated
Buyer/Borrower: Ted M. Sul Escrow No: 00066665-516 WC
Amy J. Cheng Close Date: 11/09/2004
Proration Date:
Date Prepared: 11/03/2004
Property: 18644 Loree Avenue
Cupertino. CA 95014
NEW AND EXISTING ENCUMBRANCES:
Principal Amount of Loan from CitiMortgage Inc.
Second Mortgage from National City Bank
NEW LOAN CHARGES:
Commitment fee to CitiMortgage to CitiMortgage Inc.
Cr. from broker for NRCC to to borrower
Flood Certification Fee to National City Bank
Prepaid Interest to CitiMortgage Inc.
@ $58.95 per day From 11/08/04 To 12/01/04
NCB paid broker fee to QC Financial (POC $500.00)
Broker Premium fr.CitiMortgage to QC Financial ($5,263.86)
TITLE CHARGES:
Lenders Policy to Ticor Title Company of California
Endorsement Fee to Ticar Title Company of California
Courier Fees to Ticor Title Company of California
ESCROW CHARGES �I
Escrow Fee to Ticor Title Company of California �/ I
Notary Fee to Ticor Title Company of California
RECORDING FEES:
Recording Fees to Ticor Title Company of California
Recording of 2nd D/T to Ticor Title Company of California
PAYOFFS:
Yayoff to Countrywide Home Loan
V/ $456,000.00 Principal Balance
$790.24 Interest From 11/01/2004 t 11/12/2004
$9.00 Recording fee
$30.00 Statement fee r I�
$45:00 Reconveyance fee J J
Payoff to Countywide Home Loan
$57,000.00 Principal Balance
$350.00 Termination fee
%$504.61 interest throu 11-17-04
ADDITIONAL CHARGES:
1st inst. 0405 to Santa Clara County Tax Coll ec Vf1
Sub Totals �/ r
Balance Due From Buyer/Borrpml��
Totals v
Ted M. Sul
Amy J. Cheng
$453,000.00
59,950.00
738.00
2 709
j &00-
/ 1,355.85
1,104.25
25.00
25.00
225.00
40.00
68.00
45.00
$456,874.24
$57,854.61
1,705.95
517,356.65 512,950.00
,4,,406.65
$517.356.65 $017.356.65
Prinfm- 11/nRl7nnd 1•F9 :97PM
TICOR TITLE COMPANY'"
OF CALIFORNIA
20111 Stevens Creek Blvd. Suite 270 Cupertino, CA 95014
Phone: (408) 253-6990 Fax: (408) 253-3780
BORROWER'S ESCROW INSTRUCTIONS
Date: November 2, 2004
Escrow No.: 00066665 WC 516
Escrow Officer. Wal Ling Chu
I/We hand you herewith:
• Executed loan documents •(new loan)
• Balance of funds to close escrow in the form of wire transfer, certified check, cashier's check or teller's check
payable to Ticor Title Company of California pursuant to the "Deposit of Funds", Paragraph 1 contained in the
General Provisions attached hereto and. made a part hereof.
• Approved copy of Preliminary Report
Which you are authorized to deliver and/or record the above when you can procure/issue a ALTA Loan Policy
(1.0-17-92) w/Form 1 Cov., Coverage form Policy of Title Insurance and endorsements from Chicago Title
Insurance Company with a liability of $453,000.00 on the property described in your Preliminary Report No.
00066665 dated 09-09-04, a copy of which I/we have read and hereby approve.
SHOWING TITLE VESTED IN:
Ted M. SUI and Amy J. Cheng, husband and wife as community property with right of suvivorship
FREE FROM ENCUMBRANCES EXCEPT:
1. Current general and special taxes for the fiscal year in which this escrow closes, and taxes for the ensuing
year, if any, a lien not yet due and payable;
2. The lien of supplemental taxes, if any, assessed pursuant to the provisions of Chapter 3.5 (commencing with
Section 75) of the Revenue and Taxation Code of the State of California;
3. Bonds and Assessments with no delinquent payments, if any;
4. Covenants, conditions, reservations, easements and rights of way now of record, if any -
5. Exceptions 'numbered 2,3,4, as shown in your preliminary report above referenced;
6. A first Deed, of Trust, to record, securing a note for $453,000.00 in favor of CitiMortgage Inc..
7. A second Deed of Trust to record, securing a note for $59,950.00 in favor of National City Bank.
BORROWER STATES THAT PROPERTY ADDRESS IS:
18644 Loree Avenue Cupertino, CA 95014
ADDITIONAL INSTRUCTIONS:
1. The items indicated by "P.O.C." or "PAID" included at the direction of the Lender for disclosure purposes only.
The Escrow Holder/Settlement Agent has no knowledge of these expenditures, except as provided by the
Lender. They have not and cannot be verified as to the amount, the'payee,•not actual payment and no
liability is assumed by the closing agent as to the validity and/or sufficient thereof.
2. Borrower is aware the new loan may be -funded at least one day prior to the close of recordation of documents
and close of escrow and that interest will commence; on said loan as of the date of funding. Should escrow
close after a weekend. or holiday, Borrower is aware that interest will be charged during such weekend or
holiday and Borrower agrees to bear the cost of said interest and will hold Escrow Holder harmless in
connection therewith.
.3. Borrower agrees to provide.new hazard insurance policy acceptable to lender and to authorize payment of
premium through escrow unless a paid receipt is providedto'escrow.
4. The undersigned hereby authorize and instruct Escrow Holder to charge each party to the escrow for their
respective Federal Express, special mail handling/courier and/or incoming/outgoing wire transfer fees, Unless
specified in writing by the undersigned, Escrow Holder is authorized to select special mail/delivery or courier'
service to be used.
5. Borrower hereby agrees to provide escrow with an evidence of insurance, in compliance with the lenders
instructions.
Insurance Company:
Agents Name:
Telephone Number:
Any additional coverage desired by Buyer shall be handled outside of this escrow andwill be no concern to
escrow holder whatsoever.
6. Escrow Holder is hereby authorized and instructed that, in the event any party utilizes "facsimile" -transmitted
signed documents or instructions to Escrow Holder, you are to rely on the same for all escrow instruction
purposes and the closing of escrow as if they bore original signatures. Each party shall provide to the other
party and to Escrow Holder, within 72 hours after transmission, duplicate original documents or instructions
bearing the original signatures. Not withstanding the foregoing, any and all escrow instructions pertaining to
the release or disbursement of funds from escrow prior to close of escrow shall not be effective until Escrow
Holder has received -such instructions from all parties bearing original, NOTARIZED signatures. Each party
further acknowledges and agrees that documents with non -original signatures may mot be accepted for
recording by the County. Recorder, therefore, no closing or recording may take place without the submission
of the original document.
7. Escrow Holder is authorized to obtain demands and reconveyance and/or releases of existing encumbrances
not to remain of record and to pay said demands at close of escrow from the account of Seller/Borrower
herein.. Seller/Borrower is aware that interest on the existing loan(s) does not stop accruing at close of
escrow, but continues until the actual day of receipt of the payoff to lender(s). In the event an FHA loan is
being paid off, interest may accrue past the date of receipt by lender pursuant to the terms of the note
securing the loan. The undersigned acknowledges and understands that disbursement of any payoffs for
encumbrances being paid off at close of this escrow must be received by the lender by a specific date to
avoid further accrual of interest either daily or monthly.
You are instructed to forward payoff funds to the lender by express service of your choice and charge my/our
account any fees for overnight delivery at close of escrow. In the event the lender demands additional funds
after the Gose of escrow, we agree to deposit any additional funds necessary to comply with lenders
instructions immediately upon notice of same.
S. The undersigned hereby instruct and authorized Escrow Holder to disburse proceeds/refund as follows
❑ TRANSFER ❑AII Net Proceeds/Refund, or ❑ $ to
ATTN:
Escrow No:
❑ HOLD check for PICK UP
❑ CALL when check is ready for PICK UP, PHONE NUMBER
❑ WIRE funds to (Bank Name)
Address
Routing No.
Account
MAIL ❑ FEDERAL EXPRESS check to
THIS AGREEMENT IN ALL PARTS APPLIES TO, INURES TO THE BENEFIT OF, AND BINDS ALL PARTIES
HERETO, THEIR HEIRS, LEGATEES, DEVISEES, ADMINISTRATORS, EXECUTORS, SUCCESSORS AND
ASSIGNS, AND,WHENEVER THE CONTEXT SO REQUIRES THE MASCULINE GENDER INCLUDES THE
FEMININE AND NEUTER, AND THE SINGULAR NUMBER INCLUDES THE PLURAL. THESE
INSTRUCTIONS' AND ANY OTHER AMENDMENTS MAY BE EXECUTED IN ANY NUMBER OF
COUNTERPARTS, EACH OF WHICH SHALL BE CONSIDERED AS AN ORIGINAL AND BE EFFECTIVE AS
SUCH.
MY SIGNATURE. HERETO CONSTITUTES INSTRUCTION TO ESCROW HOLDER OF ALL TERMS AND
CONDITIONS CONTAINED IN THIS AND ALL PRECEDING PAGES AND FURTHER SIGNIFIES THAT I HAVE
READ AND UNDERSTAND THESE GENERAL PROVISIONS.
Ticor Title -Company of California CONDUCTS ESCROW BUSINESS UNDER LICENSE NUMBER 371
ISSUED BY THE CALIFORNIA DEPARTMENT OF INSURANCE.
Ted M. Sul Date Amy J. Cheng Date
Date
Date
Dale: Noven 2004
I y or a accuracy o sue" statements.
Any adjustments necessary because of a discrepancy between the information
• Escrow No.: 00066665 W C 516
Page 3
' GENERAL
PROVISIONS
1. DEPOSIT OF FUNDS
principals hereto, form assignments of interest in any Insurance policy (other
The law dealing with the disbursement of funds requires that all funds be
than title insurance) called for in this escrow, forward assignment and policy to
. available for withdrawals a matter of right by the 011e entity's escrow and/or
the Insurance agent, requesting that the insurer consent to such transfer
sub escrow account prior to disbursement of any funds. Only cash or wire-
and/or attach a loss payable clause and/or such endorsements as may be
transferred funds can be given immediate availability upon deposit. Cashiers
required, and forward such policy(s) to the principals entitled thereto. It is not
' checks, teller's checks and Certified checks may be available one business
your responsibility to verify the Information handed you or the assignability of
day after deposit. All other funds such as personal, corporate or partnership
said insurance. Your sole duty Is to forward said request to Insurance agent at
checks and drafts are subject to mandatory holding periods which may cause
close of escrow.
•, •. material delays in disbursement of funds in this escrow. In order to avoid
Further, there shall be no responsibility upon the part of Escrow Holder to
delays, all fundings should be wire transfer. Outgoing wire transfers will not be
renew hazard insurance policy(s) upon expiration or otherwise keep it in force
authorized until confirmation of this respective Incoming wire transfer or of
either during or subsequent to the close of escrow. Cancellation of any
• availability of deposited checks..
existing hazard Insurance policies is to be handled directly by the principals,
All funds received in this escrow shall be deposited with other escrow funds in
and outside of escrow.
' a general escrow account or accounts of Ticor Title Company of California,
11. ACTION IN INTERPLEADER
with any state or national bank, or savings and loan association (the
The principals hereto expressly agree that you, as Escrow Holder, have the
. • 'depository institution") and may be transferred to any other such general
absolute right at your election to file an action In interpleader requiring the
. escrow account or accounts. The parties to this escrow acknowledge that the
principals to answer and litigate their several claims and rights among
. maintenance of such escrow accounts with some depository institutions may
themselves and you are authorized to deposit with the clerk of the court all
. result in Escrow Holder's being provided with an array of bank services,
documents and funds held in this escrow. In the event such action is filed, the
accommodations or other benefits by the depository institution. Escrow Holder
principals jointly and severally agree to pay your cancellation charges and
• or Its affiliates also may elect to enter into other business transactions with or
costs, expenses and reasonable attorney's fees which you are required to
obtain loans for investment or other purposes from the depository institution.
expend or Incur in such interpleader action, the amount thereof to be fixed and
All such services, accommodations and other benefits shall accrue to Escrow
judgment therefor to be rendered by the court. Upon the filing of such action,
. Holder and Escrow Holder shall have no obligation to account to the parties to
you shall thereupon be fully released and discharged from all obligations
this escrow for the value of such services, accommodations or other benefits.
imposed by the terms of this escrow or otherwise.
Said funds will not earn interest unless the instructions otherwise specifically
12. TERMINATION OF AGENCY OBLIGATION
state that funds shall be deposited In an interest bearing account. All
If there is no action taken on this escrow within six (6) months after the "time
disbursements shall be made by check of Ticor Title Company of California.
limit date" as set forth in the escrow instructions or written extension thereof,
The principals to this escrow are hereby notified that the funds deposited
your agency obligation shall terminate at your option and all documents,
' herein are insured only to the limit provided by the Federal Deposit Insurance
monles or other Items held by you shall be returned to the parties depositing
Corporation. Any Instruction for bank wire will provide reasonable time or
same. In the event of cancellation of this escrow, whether It be at the request
notice for Escrow Holders compliance with such instruction. Escrow Holders
of any of the principals or otherwise, the fees and charges due Ticor Title
sole duty and responsibility shall be to place said wire transfer instructions with
Company of California, including expenditures incurred and/or authorized shall
its wiring bank upon confirmation of (1) satisfaction of conditions precedent or
be bome equally by the parties hereto (unless otherwise agreed to
(2) document recordation at close of escrow. Escrow Holder will NOT be held
specifically).
. responsible for lost interest due to wire delays caused by any bank or the
13. CONFLICTING INSTRUCTIONS
Federal Reserve System, and recommends that all parties make themselves
Upon receipt of any conflicting instructions, you are to take no action In
• aware of banking regulations with regard to placement of wires,
connection with this escrow until non -conflicting instructions are received from
In the event there is Insufficient time to place a wire upon any such
all of the principals to this escrow (subject to sections 7,9,11 and 12 above).
confirmation or the wires have closed for the day, the parties agree to provide
14. REIMBURSEMENT ATTORNEY FEES/ESCROW HOLDER
written instructions for an alternative method of disbursement. WITHOUT AN
In the event that a suit is brought by any party or parties to these escrow
ALTERNATIVE DISBURSEMENT INSTRUCTION, FUNDS WILL BE HELD IN
instructions to which the Escrow Holder is named as a party which results in a
TRUST IN A NON-INTEREST BEARING ACCOUNT UNTIL THE NEXT
judgment in favor of the Escrow Holder and against a principal or principals
OPPORTUNITY FOR WIRE PLACEMENT.
herein, the principals or principals' agent agree to pay said Escrow Holder all
' To the extent provided by law, if for any reason funds are retained or remain in
costs, expenses and reasonable attorney's fees which It may expend or incur
escrow following the close of escrow, you are to deduct therefrom a
In said suit, the amount thereof to be fixed and judgment therefore to be
reasonable monthly charge as custodian thereof of not less than $10,00 per
rendered by the court In said suit.
month.
15 DELIVERY/RECEIPT
2. PRORATIONS AND ADJUSTMENTS Delivery to principals as used In these instructions unless otherwise stated
All prorations and/or adjustments called for in this escrow are to be made on herein is to be by regular mail and receipt is determined to be 72 hours after
., the basis of a thirty (30) day month unless otherwise instructed in writing,. such mailing. All documents, balances and statements due_ to the
You are to use information contained on last available tax statement, rental undersigned are to be mailed to the address shown herein.
statement as provided by the Seller, beneficiary's statement and fire Insurance 16. STATEIFEDERAL CODE NOTIFICATIONS
policy delivered into escrow for the prorations provided for herein. According to Federal Law, the Seller, when applicable, will be required to
' 3. SUPPLEMENTAL TAXES complete a sales activity report that will be utilized to generate a 1099
The within described property may be subject to supplemental real property statement to the Internal Revenue Service, or provide Escrow Holder with a
taxes due to the change of ownership taking place through this escrow. Any non -reporting affidavit.
supplemental real property taxes arising as a result of the transfer of the Pursuant to State Law, prior to the close of escrow, Buyer will provide Escrow
property to Buyer shall be the sole responsibility of Buyer and any Holder with Preliminary Change of Ownership Report. In the event said report
supplemental real property taxes arising prior to the closing date shall be the is not handed to Escrow Holder for submission to the County in which subject
sole responsibility of the Seller. TAX BILLS ISSUED AFTER CLOSE OF property is located, upon recording of the Grant Deed. Buyers acknowledge
ESCROW SHALL BE HANDLED DIRECTLY BETWEEN BUYER AND that the applicable fee will be assessed by said County and Escrow Halder
SELLER. shall debit the account of Buyer for same at close of escrow.
4. UTILITIES/POSSESSION Buyer and Seller herein represent and warrant that they will seek and obtain
Transfer of utilities and possession of the premises are to be settled by the independent legal advice and counsel relative to their obligations under the
parties directly and outside of escrow. "Foreign Investors In Real Property Act"' and any other applicable federal
5. PREPARATION AND RECORDATION OF INSTRUMENTS and/or stale laws regarding same, and will take all steps necessary In order to
Escrow holder is authorized to prepare, obtain, record and deliver the comply with such requirements and hereby hold you harmless relative to their
necessary instruments to carry out the terms and conditions of this escrow and compliance therewith.
to order the policy of title insurance to be issued at close of escrow as called 17. ENCUMBRANCES
for in these instructions. Close of escrow shall mean the date Instruments are Escrow Holder Is to act upon any statements furnished by a lienholder or his
recorded. agents without Ilabliity or res onsib'llit f th f
• 6. AUTHORIZATION TO FURNISH COPIES
I y or a accuracy o sue" statements.
Any adjustments necessary because of a discrepancy between the information
You are authorized to furnish copies of these Instructions, supplements,
furnished Escrow Holder and any amount later determined to be correct shall
amendments, notices and cancellation and closing statements, to the Real
be settled between the parties direct and outside of escrow.
Estate Broker(s) and Lender(s) named in this escrow.
16. ENVIRONMENTAL ISSUES
7. RIGHT OF CANCELLATION
Ticor Title Company of California has made no investigation concerning said
Any principal instructing you to cancel this escrow shall file 'notice of
property as to environmental/toxic waste Issues. Any due diligence required
• cancellation in your office In writing. You shall, within two (2) working days
or needed to determine environmental impact as to forms of toxification, If
thereafter, deliver, on copy of such notice to each of the other principals at the
applicable, will be done directly and by principals outside of escrow. Ticor
addresses stated In this escrow. UNLESS WRITTEN OBJECTION TO
Title Company of California is released of any responsibility and/or liability In
CANCELLATION IS FILED IN YOUR OFFICE BY A PRINCIPAL W ITHIN TEN
connection therewith.
(10) DAYS AFTER DATE OF SUCH MAILING, YOU ARE AUTHORIZED TO
19. USURY
COMPLY WITH SUCH NOTICE AND DEMAND PAYMENT OF YOUR
Escrow Holder is not to be concerned with any questions of usury In any loan
CANCELLATION CHARGES. If written objection is filed, you are authorized
'
or encumbrance Involved in the processing of this escrow and Is hereby
to hold all money and instruments in this escrow and take no further action
released of any responsibility of liability therefore.
until otherwise directed, either by the principals' mutual written insWctions, or
20. DISCLOSURE
by final order of a court of competent jurisdiction.
Escrow Holders knowledge of matters affecting the property, provided such
• B. PERSONAL PROPERTY
facts do not prevent compliance with these instructions, does not create any
No examination or insurance as to the amount or payment of personal
liability or duty in addition to these Instructions.
property taxes is required unless specifically requested. Buy signing these
21. CLARIFICATION OF DUTIES
General Provisions, the parties to the escrow hereby acknowledge that they
Ticor Title Company of California serves ONLY as an Escrow Holder is
• are indemnifying the Escrow Holder against any and all matters relating to any
connection with these instructions and cannot give legal advice to any party
"Bulk Sales requirements, and instruct Escrow Agent to proceed with the
hereto. Escrow Holder is not to be held accountable or liable for the
closing of escrow without any consideration of matter of any nature
sufficiency or correctness as to form, manner of execution, or validity of any
• whatsoever regarding "Bulk Sales' being handled though escrow.
instrument deposited in this escrow, nor as to the identity, authority or rights of
9. RIGHT OF RESIGNATION
any person executing the same. Escrow Holders duties hereunder shall be
- Escrow holder has the right to resign upon ten (10) days written notice
limited to the proper handling of such money and the proper safekeeping of
delivered to the principals herein. If such right is exercised, all funds and
such Instruments, or other documents received by Escrow Holder, and for the
documents shall be returned to the party who deposited them and Escrow
disposition of same in accordance with the written Instructions accepted by
Holder shall have no liability hereunder.
Escrow Holder.
10. AUTHORIZATION TO EXECUTE ASSIGNMENT OF
The agency and duties of Escrow Holder commence only upon receipt
HAZARD INSURANCE POLICIES
of copies of these Escrow instructions executed by all parties.
' Either Buyer, Seiler and/or Lender may hand you the Insurance agent's name
and insurance policy information, and you are to execute, on behalf of the
J
Initials l
TICOR TITLE COMPAN F CALIFORNIA
20111 Stevens Creek Blvd., Suite 270, Cupertino, CA 95014
(408)253-6990
BUYERS/BORROWERS CLOSING STATEMENT
Estimated
Buyer/Borrower., Ted M. Sul Escrow No: 00066665-516 WC
Amy J. Cheng Close Date: 11/09/2004
Proration Date:
Date Prepared: 11/03/2004
Property: 18644 Loree Avenue
Cupertino, CA 95014
NEW AND EXISTING ENCUMBRANCES:
Principal Amount of Loan from CitiMortgage Inc.
$453,000.00
Second Mortgage from National City Bank
59,950.00
NEW LOAN CHARGES:
Commitment fee to CitiMortgage to CitiMortgage Inc.
738.00
Cr. from broker for NRCC to to borrower
(2,709.25
Flood Certification Fee to National City Bank
5.00
Prepaid Interest to CitiMortgage Inc.
1,355.85
@ $58.95 per day From 11/08/04 To 12/01/04
NCB paid broker fee to QC Financial (POC $500.00)
Broker Premium fr.CittMortgage to QC Financial ($5,263.86)
TITLE CHARGES:
Lenders Policy to Ticor Title Company of California
1,104.25
Endorsement Fee to Ticor Title Company of California
25.00
Courier Fees to Ticor Title Company of California
25.00
ESCROW CHARGES
Escrow Fee to Ticor Title Company of California
225.00
Notary Fee to Ticor Title Company of California
40.00
RECORDING FEES:
Recording Fees to Ticor Title Company of California
68.00
Recording of 2nd DIT to Ticor Title Company of California
45. b0
PAYOFFS:
Payoff to Countrywide Home Loan
$456,874.24
$456,000.00 Principal Balance
$790.24 Interest From 11/01/2004 to 11/12/2004
$9.00 Recording fee
$30.00 Statement fee
$45.00 Reconveyancefee
Payoff to Countywide Home Loan
$57,854.61
$57,000.00 Principal Balance
$350.00 Termination fee
$504.61 interest throu 11-17-04
ADDITIONAL CHARGES:
1st inst. 04-05 to Santa Clara County Tax Collect
1,705.95
Sub Totals
517,356.65
512,950.00
Balance Due From Buyer/Borrower
4,406.65
Totals
$517,356.65
$517,356.65
Ted M. Sul
Amy J. Cheng
Prinf.& i vwAi7nnd 1 •FTS7PAA
TRUTH IN LENDING DISC ;URE STATEMENT
(THIS IS NEITHER A CONTRACT NOR A COABUrMENT TO LEND)
Applicant: Ted M. Sul Lender: CitiMortgage, Inc.
Amy J. Cheng 1000 Technology Drive
18644 Loree Ave O' Fallon, MO .63304
Cupertino, CA 95014
Loan No: 002002157628
Property: 18644 Loree Avenue Type of Llan: Conventional
Cupertino, CA 95014 Date: October 29, 2004
Disclosure Type: Final
ANNUAL PERCENTAGE
FINANCE CHARGE
Amount Financed
Total of Payments
RATE
NUMBER OF
AMOUNT OF
.
The cost of your credit as a yearly rate.
The dollar amount the credit will cost
The amount of credit provided to you o
The amount you will have paid after
PAYMEI!iT`S
you.
on your behalf.
you have made all payments as
Monthly beginning 01/01/2005
scheduled.
4.926%
451 659.96
$ 450,386.40
$ 902,046.36
REPAYMENT: See Payment Schedule below.
PAYMENT SCHEDULE:
NUMBER OF
AMOUNT OF
NUMBER OF
AMOUNT OF
.
PAYMENTS
PAYMENTS
WHEN PAYMENTS ARE DUE.
. PAYMENTS.�
PAYMEI!iT`S
WHEN PAYMENTS ARE DUE
60
1,793.13
Monthly beginning 01/01/2005
299
2,648.19
Monthly beginning 01/01/2010
1
2,649.75
Monthly beginning 12/01/2034
DEMAND FEATURE: X❑ This loan does not have a Demand Feature. F-1 This loan has a Demand Feature as follows:
REQUIRED DEPOSIT: ED The annual percentage rate does not take into account your required deposit.
VARIABLE RATE FEATURE: FXI This Loan has a Variable Rate Feature. Variable Rate Disclosures have been provided to you earlier.
SECURITY: You are giving a security interest in the property located at: 18644 Loree Avenue
Cupertino, CA 95014
ASSUMPTION: Someonebuying this property 0 cannot assume the remainder of the mortgage on the original terms
X❑ may assume, subject to conditions, the remainder of the mortgage on the original terms.
NON -FILING INSURANCE: $ N/A
PROPERTY INSURANCE:XQ Homeowner's insurance, or fire and extended coverage, is a required condition of this loan. Also, if the property securing this loan is
located in a flood hazard area, you will be required to obtain flood insurance. Borrower may purchase this insurance from any insurance company acceptable to lender
LATE CHARGES: If a payment is more than 15 days late, you will be charged a late charge of 6.000% of the payment.
PREPAYMENT: If you pay off your loan early, you
may QX will not have to pay a prepayment penalty.
E]may ❑X will not have to pay a minimum finance charge.
El
may Q will not be entitled to a refund of part of the finance charge.
See your contract documents for any additional information about non-payment, default, any required repayment in full before the scheduled date, and
prepayment refunds and penalties.
I/We hereby acknowledge reading and receiving a complete copy of this disclosure.
BORROWER/DATE Ted M. Sul BORROWER/DATE
BORROWER/DATE Amy J. Cheng BORROWER/DATE
. 159003 - 07/22/2002 [0020021 5 7 6281
CitiMortgage 2.7.1.89