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Tax and Insurance Escrow

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					                                                          INITIAL ESCROW ANALYSIS
Name(s):                                                                                     This Escrow Verification program has been designed by
Loan #:                                                                                         Banker’s Compliance Consulting
Date:                                                                                                     800-847-1653
1st Loan Pymt:                                January                                                     Instructions begin in cell A-72.
                                                                                                                                              Dec-09
                                                               HUD-1/1A DISCLOSURE
                 1000            Reserves Deposited with Lender
                 1001            Initial deposit for your escrow account                           (from GFE #9)                     $0.00
                 1002            Homeowner's insurance                   0        months @     $0.00 per month           $0.00
                 1004            Property Taxes                          0        months @     $0.00 per month           $0.00
                 1007            Aggregate Adjustment                                                                    $0.00

                                                           Select Cushion              Monthly
                                       Payment               (0, 1, or 2)              Payment                 Cushion            Month Due
          Annual Hazard Ins:            $0.00                     2                     $0.00                   $0.00             n/a
      1st Half County Taxes:            $0.00                     2                     $0.00                   $0.00             n/a
     2nd Half County Taxes:             $0.00                     2                     $0.00                   $0.00             n/a
                       Total:           $0.00                                           $0.00                   $0.00

AGGREGATE ANALYSIS
         STEP #1 INITIAL TRIAL                                    STEP #2 ADJUSTED TRIAL BALANCE                  STEP #3 TRIAL BAL WITH CUSHION
   MONTH      PAY IN PAY OUT BALANCE                                 PAY IN       PAY OUT BALANCE                    PAY IN       PAY OUT BALANCE
                             0                   $0.00                        0                   $0.00                       0                 $0.00
January                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
February                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
March                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
April                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
May                     $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
June                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
July                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
August                  $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
September               $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
October                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
November                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
December                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00

SINGLE-ITEM ANALYSIS
HAZARD INSURANCE     STEP #1 INITIAL TRIAL                        STEP #2 ADJUSTED TRIAL BALANCE                  STEP #3 TRIAL BAL WITH CUSHION
   MONTH       PAY IN PAY OUT BALANCE                                PAY IN       PAY OUT BALANCE                    PAY IN       PAY OUT BALANCE
                             0                        0                       0                   $0.00                       0                 $0.00
January                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
February                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
March                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
April                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
May                     $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
June                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
July                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
August                  $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
September               $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
October                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
November                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
December                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00

COUNTY TAXES       STEP #1 INITIAL TRIAL                          STEP #2 ADJUSTED TRIAL BALANCE                  STEP #3 TRIAL BAL WITH CUSHION
   MONTH     PAY IN PAY OUT BALANCE                                  PAY IN       PAY OUT BALANCE                    PAY IN       PAY OUT BALANCE
                             0                        0                       0                   $0.00                       0                 $0.00
January                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
February                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
March                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
April                   $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
May                     $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
June                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
July                    $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
August                  $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
September               $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
October                 $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
November                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00
December                $0.00         $0.00      $0.00                   $0.00       $0.00        $0.00                  $0.00        $0.00     $0.00




      8/15/2011                                                                                444b72ed-82f9-4156-8eca-ccb99842c498.xls
                                                           INITIAL ESCROW ANALYSIS
Name(s):                                                                                       This Escrow Verification program has been designed b
Loan #:                                                                                             Banker’s Compliance Consulting
Date:                                                                                                         800-847-1653
1st Loan Pymt:                                   January                                                      Instructions begin in cell A-131.

                                                                    HUD-1/1A DISCLOSURE
                   1000            Reserves Deposited with Lender
                   1001            Initial deposit for your escrow account                              (from GFE #9)                        $0.00
                   1002            Homeowner's insurance                 0        months @      $0.00       per month           $0.00
                   1003            Mortgage Insurance                    0        months @      $0.00       per month           $0.00
                   1004            Property Taxes                        0        months @      $0.00       per month           $0.00
                   1005            Flood Insurance                       0        months @      $0.00       per month           $0.00
                   1006            City Property Taxes                   0        months @      $0.00       per month           $0.00
                   1007            Aggregate Adjustment                                                                         $0.00



                                          Annual              Select Cushion          Monthly
                                          Payment               (0, 1, or 2)          Payment                      Cushion               Month Due
      Homeowner's Insurance:               $0.00                     2                 $0.00                        $0.00                n/a
          Mortgage Insurance:              $0.00                     2                 $0.00                        $0.00                n/a
      Bi-Annual County Taxes:              $0.00                     2                 $0.00                        $0.00                n/a
      Bi-Annual County Taxes:              $0.00                     2                 $0.00                        $0.00                n/a
             Flood Insurance:              $0.00                     2                 $0.00                        $0.00                n/a
                  City Taxes:              $0.00                     2                 $0.00                        $0.00                n/a
                        Total:             $0.00                                       $0.00                        $0.00

AGGREGATE ANALYSIS
         STEP #1 INITIAL TRIAL                                     STEP #2 ADJUSTED TRIAL BALANCE                       STEP #3 TRIAL BAL WITH CUSHIO
   MONTH     PAY IN PAY OUT BALANCE                                  PAY IN       PAY OUT BALANCE                         PAY IN         PAY OUT
                               0                     $0.00                    0                   $0.00                              0
January                   $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
February                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
March                     $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
April                     $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
May                       $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
June                      $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
July                      $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
August                    $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
September                 $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
October                   $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
November                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
December                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00

SINGLE-ITEM ANALYSIS
Homeowner's Insurance              STEP #1 INITIAL TRIAL            STEP #2 ADJUSTED TRIAL BALANCE                      STEP #3 TRIAL BAL WITH CUSHIO
    MONTH       PAY IN             PAY OUT BALANCE                   PAY IN       PAY OUT BALANCE                         PAY IN         PAY OUT
                               0                          0                   0                   $0.00                              0
January                   $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
February                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
March                     $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
April                     $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
May                       $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
June                      $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
July                      $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
August                    $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
September                 $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
October                   $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
November                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
December                  $0.00         $0.00        $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00

PMI                                STEP #1 INITIAL TRIAL           STEP #2 ADJUSTED TRIAL BALANCE                       STEP #3 TRIAL BAL WITH CUSHIO
      MONTH          PAY IN        PAY OUT BALANCE                   PAY IN       PAY OUT BALANCE                         PAY IN         PAY OUT
                               0                          0                   0                   $0.00                              0
January                   $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
February                  $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
March                     $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
April                     $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
May                       $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
June                      $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
July                      $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
August                    $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
September                 $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
October                   $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
November                  $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00
December                  $0.00          $0.00       $0.00               $0.00       $0.00        $0.00                         $0.00        $0.00




       8/15/2011                                                                             444b72ed-82f9-4156-8eca-ccb99842c498.xls
                                                INITIAL ESCROW ANALYSIS

County Taxes                  STEP #1 INITIAL TRIAL    STEP #2 ADJUSTED TRIAL BALANCE                 STEP #3 TRIAL BAL WITH CUSHIO
   MONTH          PAY IN      PAY OUT BALANCE            PAY IN      PAY OUT BALANCE                     PAY IN       PAY OUT
                          0                       0              0                   $0.00                        0
January              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
February             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
March                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
April                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
May                  $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
June                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
July                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
August               $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
September            $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
October              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
November             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
December             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00

Flood Insurance               STEP #1 INITIAL TRIAL    STEP #2 ADJUSTED TRIAL BALANCE                 STEP #3 TRIAL BAL WITH CUSHIO
    MONTH         PAY IN      PAY OUT BALANCE            PAY IN      PAY OUT BALANCE                     PAY IN       PAY OUT
                          0                       0              0                   $0.00                        0
January              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
February             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
March                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
April                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
May                  $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
June                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
July                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
August               $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
September            $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
October              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
November             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
December             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00

City Property Taxes           STEP #1 INITIAL TRIAL    STEP #2 ADJUSTED TRIAL BALANCE                 STEP #3 TRIAL BAL WITH CUSHIO
     MONTH        PAY IN      PAY OUT BALANCE            PAY IN      PAY OUT BALANCE                     PAY IN       PAY OUT
                          0                       0              0                   $0.00                        0
January              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
February             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
March                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
April                $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
May                  $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
June                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
July                 $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
August               $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
September            $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
October              $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
November             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00
December             $0.00         $0.00     $0.00          $0.00       $0.00        $0.00                   $0.00         $0.00




     8/15/2011                                                                  444b72ed-82f9-4156-8eca-ccb99842c498.xls
                                         INITIAL ESCROW ANALYSIS
      This Escrow Verification program has been designed by
            Banker’s Compliance Consulting
                      800-847-1653
                  Instructions begin in cell A-131.
                                                       Dec-09




                                          Month Due




                            STEP #3 TRIAL BAL WITH CUSHION
                                                      BALANCE
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00



                            STEP #3 TRIAL BAL WITH CUSHION
                                                      BALANCE
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00

                            STEP #3 TRIAL BAL WITH CUSHION
                                                      BALANCE
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00
                                                          $0.00




8/15/2011                                                         444b72ed-82f9-4156-8eca-ccb99842c498.xls
                       INITIAL ESCROW ANALYSIS

            STEP #3 TRIAL BAL WITH CUSHION
                                 BALANCE
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00

            STEP #3 TRIAL BAL WITH CUSHION
                                 BALANCE
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00

            STEP #3 TRIAL BAL WITH CUSHION
                                 BALANCE
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00
                                      $0.00




8/15/2011                                     444b72ed-82f9-4156-8eca-ccb99842c498.xls

				
DOCUMENT INFO
Description: Tax and Insurance Escrow document sample