Name of Disclosure. CA Borrower Statement of Broker Participation. CA Finance Lender Disclosure. CA Home Equity Loan Disclosure
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1 BROKER - State Specific Disclosures California (CA) Name of Disclosure CA Married Applicant Disclosure (aka Separate Credit Notice) CA Borrower Statement of Broker Participation CA Finance Lender Disclosure CA Home Equity Loan Disclosure CA Advanced Fee Agreement CA Mortgage Loan Disclosure Statement Mortgage Broker Fee Agreement CA Notice to Home Loan Applicant (aka Credit Score Notice) CA Colorado (CO) Dual Status Disclosure Net Tangible Benefit Third Party Itemization of Fees Disclosure Disclosure of Potential Conflict of Interest CO Addendum to Application Connecticut (CT) Non-Refundabilty of Adance Fees Agreement Delaware (DE) District of Columbia (DC) Florida (FL) FL Broker Agreement FL Conflict of Interest Notice
2 Georgia (GA) Georgia Advance Fee/Application Fee Disclosure Idaho (ID) Illinois (IL) Indiana (IN) Iowa (IA) Kansas (KS) Kentucky (KY) Louisiana (LA) Maine (ME) Interest Rate Lock/Float Information Disclosure Licensee Information Disclosure Loan Brokerage Agreement and Disclosure Statement Rate and Point Lock/Float Agreement Loan Broker Agreement Interest Reduction Fee Disclosure Loan Broker Agreement Advanced Fee Disclosure Mortgage Loan Origination Agreement Material Consumer Protection Maryland (MD) Reasonable, Tangible Net Benefit Disclosure Disclosure of Consumer Protections(AKA Notice to Consumer) Disclosure of Consumer Protections Broker Agreement (AKA Broker Agreement/Finders Fee Agreement MD Covered Loan Counseling Disclosure MD Important Notice Regarding Housing Counseling Massachusetts (MA) MA State Specific 1003/Attorney Addendum to 1003 Addendum to Application Loan Origination and Compensation Agreement Mortgage Rate Lock Commitment Attorney Disclosure Licensing Disclosure Stated Doc or Limited Doc Disclosure Michigan (MI) Minnesota (MN) Missouri (MO) Montana (MT) North Dakota (ND) New Hampshire (NH) Borrowers Bill of Rights Disclosure Consumer Caution and Home Ownership Counseling Notice List of HUD Agencies Lock-In Agreement Loan Brokerage Disclosure Statement and Agreement Loan Brokerage Disclosure Statement and Agreement Money Broker Contract Money Broker Loan Disclosure Statement Application of Payments Disclosure Advance Fee Disclosure
3 New Jersey (NJ) New York (NY) New Mexico (NM) Nevada (NV) North Carolina (NC) Ohio (OH) Mortgage Broker Service Agreement Pre-Application Disclosure Advance Fee Agreement Dual Capacity Agreement Mortgage Broker Fees Disclsosure Mortgage Broker Fee Disclosure Mortgage Loan Origination Disclosure Statement Mortgage loan Origination Disclosure Statement Addendum Notice of Change in mortgage terms Oregon (OR) Pennsylvania (PA) Rhode Island (RI) South Carolina (SC) Tennessee (TN) Texas (TX) Utah (UT) Rate Lock/Float Agreement Lock In Agreement Prohibited Acts of Lenders and Loan Brokers Mortgage Broker Fee Agreement Regulatory Agency Disclosure Advance Fee Agreement Mortgage Company Disclosure Multi-State Mortgage Broker Fee Disclosure Advanced Fee Disclosure Notice of Transfer of Servicing Vermont (VT) Virginia (VA) Broker/Prospective Borrower Agreement Mortgage Broker Compensation Agreement Mortgage Broker Disclosure Mortgage Broker Compensation Agreement Washington (WA) Wisconsin (WI) Wyoming (WY) WA Interest Addendum to Loan Application (Domestic Partnership) Disclosure Statement
4 Timing & Comments - Borrower signature recommended for acknowledgement- Broker required to provide for loans with married borrowers only - Borrower signature only. Broker required to provide for all loans prior to accepting a fee or receipt of any signed documents from borrower - Borrower signature only. Broker required to provide for all loans prior to accepting a fee or receipt of any signed documents from borrower -must give with application - Borrower signature only. Broker required to provide only when broker accepts a fee prior to providing services -Borrower and Broker signature required.broker required to provide for all loans. Note: A is not an acceptable substitute for this state specific form - Borrower signature recommended for acknowledgement.broker required to provide for all loans At time of lock - Borrower and Broker or CMG signatures required. Must be provided by broker if rate is locked prior to submission. If rate is locked after submission, CMG will provide. - Required if Originator is also acting as the RE Broker or salesperson in the same transaction. *CMG policy does not permit a loan originator to be the real estate agent on the same transaction* Provide at both time of Application and prior to closing. Refinance only - Mortgage loan originator is required to disclose all 3rd party fees and costs must include mortgage loan originator and borrower signatures and dates in which disclosure was completed and signed - When Broker is acting for more than one party in the transaction - Required for locked and floating loans - Domestic Partnerships only - Signed prior to final approval -Must be signed by both parties and executed prior to the payment of any advance fee -CMG policy does not permit a loan originator to be the real estate agent on the same transaction - Must be signed by all parties -CMG policy does not permit a loan originator to be the real estate agent on the same transaction - One used if the broker is collecting origination fees initially from the borrower, and the other is a more generic version used when broker compensation is being paid at closing. Borrower Signature Required -Required if Broker has a conflict of interest with a third party service provider. Borrower Signature is Required. At Lock- when loan is pre-locked
5 - Must be provided prior to accepting any advance fees on a loan. Borrower Signature Required - Signed prior to final approval -Must be provided within 3 days of application if loan is not locked -Must be provided within 3 days of a rate lock - Prior to receipt of any moneys from a borrower -Must be provided before an applicant signes an application or gives any consideration, whichever comes first Initial- Must be signed by all parties - Must be signed by all parties - Required for all loans before any agreement is entered into or before any money is paid by the borrower - higher-priced mortgage loans (HPML) Refinance only - Required for all loans before any agreement is entered into or before any money is paid by the borrower - Required for all loans before any agreement is entered into or before any money is paid by the borrower -Prior to collecting a fee. Borrower and Broker signatures required -Borrower signature required -Domestic Partnerships -Borrower signature required At time of lock-within 3 business days -Given at time loan becomes a stated or limited doc loan- Borrower signature is required -refinance transactions At time of lock -required prior to collecting a fee from borrower At time of lock - Before a broker performs any service -send within 3 business days of receipt of loan application-required when any fee is collected from the borrower in advance of closing loan -required prior to collecting a fee from borrower
6 - Prior to accepting loan appliaction Initial Application - Prior to taking an application or collecting fees At time of lock -CMG policy does not permit a loan originator to be the real estate agent on the same transaction Initial, Closing -Borrower signature required Initial - Broker is to provide not later than 24 hours after the change occurs, or 24 hours before the loan is closed, whichever is earlier - CMG can also provide this disclosure Initial, Re-Disclosure Initial, Re-Disclosure -must send within 3 business days of receipt of loan application -must send prior to accepting fee from borrower -Signature of Borrower is required -signature of Borrower and Broker is required At time of Lock - If Broker is RE Agent and Mortgage Broker *CMG policy does not permit a loan originator to be the real estate agent on the same transaction* -must be signed -must send prior to within 3 business days of application -(Acts as a )CMG policy does not permit a loan originator to be the real estate agent on the same transaction At application if broker LO acts or has acted as a licensed RE Agent under same Broker License *CMG policy does not permit a loan originator to be the real estate agent on the same transaction* At Lock-required within 3 business days of locking loan -Domestic Partnerships - Disclosure must be initialed or signed
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