From: CLOSING DEPT, DIRECT : , FAX: [email protected]

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1 From: CLOSING DEPT, DIRECT : , FA: [email protected] We are delighted to handle your refinance transaction. We are providing a couple of reminders below. Please complete all applicable items and fax to our pre-closing department at your earliest convenience in preparation of closing. We apologize for any repetition in this request as we just want to anticipate and prepare fully for closing. Just a few things regarding closing: 1. Homeowner s Insurance Policy If you have not yet been advised as to your lender s requirements regarding your homeowner s insurance policy, please contact your lender for further details. Once you have selected the company you will be using for your homeowner s insurance, please notify our office immediately with the name of the company, the name of your contact at the company and as well as his/her phone number. 2. Property Specific Power of Attorney s (POA s) can be used in extreme circumstances. If you are unable to attend your closing, arrangements must be made in advance to use an attorney-in-fact. Please note the lender should be consulted first for approval. The preparation/recording fee is $75 per POA, which will be collected on the Settlement Statement at closing. In order to prepare the POA, we will require the full name of the grantor, the named attorney-in-fact, and the full address of both with county of residence. We must have the original POA prior to or at the time of the closing. You may this information to [email protected] with subject line referencing POA and the address of the subject property. 3. Picture Identification A valid picture ID will be required at closing. A current driver s license or passport is the preferred form of identification. If neither of these is available, please inform our office as soon as possible. Thank you for trusting McLain & Merritt, P.C. with your closing! Please keep us informed should any information provided change. Thank you for your assistance. Sincerely, McLain & Merritt, PC

2 Funds to Close Policy (if applicable) *Effective immediately, we can accept certified funds up to $5000 maximum and/or a personal check up to $5000. Any remainder must be wired or the closing could be delayed. (O.C.G.A ). We can no longer accept ACH payments. WIRING INSTRUCTIONS TO MCLAIN & MERRITT P.C. SunTrust Bank Atlanta, Georgia ABA#: Account #: Account Name: Phone Number: McLain & Merritt, P.C SunTrust Bank Immediately notify the Real Estate Department of McLain & Merritt, P.C. ( ) in the event you encounter any difficulty in completing your wire transfer.

3 Borrower's Last Name: BORROWER S INFORMATION Please provide McLain and Merritt, PC with at least one phone number and one address. Thank you! BORROWER 1: Phone (H): (W): (C): Preferred Address: BORROWER 2: Phone (H): (W): (C): Preferred Address: Is this the Borrower s primary residence? Yes No Borrower 1 s Social Security Number: - - Borrower2 s Social Security Number: - - Borrower s Forwarding Address: City: State: Zip: BORROWER PAYOFF INFORMATION First Mortgage: Bank Name: Contact Person: Contact Phone Number: Additional Mortgage: (2 nd, Home Equity Line, etc.) ** NOTE: EVEN IF HOME EQUITY LINE HAS A ZERO BALANCE. Bank Name: Contact Person: Contact Phone Number: Other liens or information (i.e. is property in the name of a trust?, is the Borrower deceased?) :

4 Borrower's Last Name: SPECIAL REQUIREMENTS REGARDING THIS CLOSING (Estate, POA needed, divorce, relocation, etc.) Will all Borrowers be attending the closing? Yes No Will any party be using a Power of Attorney at closing? Yes No Name of person NOT attending the closing? Full name of person acting as attorney-in-fact- If the party would like us to draft the Power of Attorney, please contact our office. Our fee is $75.00 to draft the document plus the cost to record it. If the party would like to prepare their own Power of Attorney, the Power of Attorney must be faxed to our office for review 48 hours PRIOR to closing, along with a photocopy of the driver s license of the purchaser not attending the closing. Additional Details on any other special requirements (i.e. is this property in an estate or trust): ADDITIONAL CLOSING DETAILS Each party MUST bring their driver s license (or other form of picture ID) to closing. Borrower s funds to close MUST BE IN THE FORM OF A WIRE IF THE AMOUNT DUE IS IN ECESS OF $5000. Please also bring a personal check with you in case there is any change in the amount. **PLEASE BE SURE TO PROVIDE YOUR FULL LOAN NUMBER ON THE FOLLOWING PAGE(S) AND/OR FORWARD YOUR LATEST LOAN STATEMENT. PLEASE BE AWARE THAT WE MUST HAVE YOUR SIGNATURE ON THE FOLLOWING PAGE(S) IN ORDER TO OBTAIN YOUR PAYOFF INFORMATION. WE WILL FILL OUT THE REMAINDER OF PAGE AND FA - THANK YOU**

5 TO: DEPARTMENT FA #: ATTN: PAYOFF Payoff Request BORROWER: SUBJECT: (property address) Payoff Good through: If you should have any questions, please do not hesitate to contact McLain & Merritt, P.C. at the telephone number listed below. Sincerely, MCLAIN & MERRITT, PC REAL ESTATE DIVISION PLEASE FA TO THIS SHALL SERVE AS AUTHORIZATION FOR THE RELEASE OF A WRITTEN PAYOFF STATEMENT TO McLain & Merritt, P.C. for a refinance closing. I/we accept the applicable fax fee. Borrower 1Name: Borrower 2 Name: McLain & Merritt, P.C Peachtree Road NE, Suite 500, Atlanta, GA Phone: Fax:

6 TO: FA #: ATTN: PAYOFF DEPARTMENT Payoff Request for Line of Credit or HELOC BORROWER: SUBJECT: (property address) Payoff Good through: THIS SHALL SERVE AS AUTHORIZATION FOR THE RELEASE OF A WRITTEN PAYOFF STATEMENT TO MCLAIN & MERRITT, P.C. on behalf of new lender for purposes of refinance. Please be advised that this letter authorizes you to freeze any referenced credit line upon issuance of your payoff statement demand. If you require further authorization, please contact the undersigned immediately. Payment pursuant to your payoff statement (demand) will eliminate any security interest you have in the property in question. In order to avoid unsecured additional advances the account must be frozen upon issuance of your payoff demand. If you make any additional advances they will not be secured by the subject property. We will be completing an escrow/closing transaction involving a new owner or lender in reliance on the release of your security interest in the property. Upon payment you will be obligated to issue a release of the deed to secure debt securing the line of credit. Borrower 1Name: Borrower 2 Name: If you should have any questions, please do not hesitate to contact M&M PC at the telephone number listed below. Sincerely, Closing Dept. McLain & Merritt, P.C Peachtree Road NE, Suite 500, Atlanta, GA Phone: Fax: