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all right Bank of America VA loan 30 pages of instructions loan amount interest rate principal and interest escrow total payment 30-year note ID affidavit bars information acknowledgement portion at the bottom notice right to cancel gives you three days to counsel from the 24th till the 28th at midnight three days to counsel tells you how to counsel you'll sign in date here Mel it to that address there sign and date the bottom acknowledging receipt closing agent certification signers name bars driver's license information sign and date the bottom dieter trust vesting Baris name Bank at the bottom this is the one that gets recorded with the county loan amount at the top till the year 2043 not adjustable no balloon looks like it is va loan and a development property address zip code so I'll make sure that's correct sign the deed acknowledge at the bottom be a writer so they're just guaranteed by the Department of Veterans Affairs sign page three development writer protecting the lender against any covenants that develop that the development may have and here's the note this is one obligates the borrower's to pay back the loan there there's the loan amount rate first payment February till the year 2043 makes it a thirty principal and interest so they may make a full of partial without paying a charge there is no prepayment penalty page 215 day grace period after that there is a late fee so again due on February 1st up until the 15th on the 16th there would be considered late now assign the note signature affidavit sign also known as sign Truth in Lending disclosure APR is going to be a little bit higher than the rate the borrower's are barring out this is their rate interest it will be paying the bank if they don't make any additional payment amount financed is the loan amount - some of the one-time charges on the total to the far right again this is what they want to pay after it's been amortized out over the full term principal and interest escrow total payment again that's going to be in on February 1st 15-day grace period after that there's a late fee says you will not have to pay a penalty sign and date be three copies for the VA break down the amount financed this is the amount financed sum up the one-time charges totaled up here those two equal up your total loan amount at the top new loan payment principle and interest escrow total payment at the bottom again February first there is no payment for the month of January loan application this is the one that initially signed when they applied for the loan to five pages to the application this is going to reflect the borrower's initial workup or their initial loan application sign and date page three so these numbers might be skewed a bit sign and date and again this is their initial...