I will tell you 4506-T is for the lender to ask your tax information.
Deed of Trust paper need 10 pages.
I will cross out his/her if parties is more than one while I notarise your affidavit, your deed ..etc
I explain to you that lender pay your first property tax but next one will be yours.
Padding $300 is the amount in case some expenses are not paid, then it will be used but refund to you afterward.
first is the escrow paper, 2nd is the loan documents (for 4 women who are married, sometimes signitures required 8 people) 3rd is company paper and less signitures (sometimes signing even erase my memorisation of my own lastname)