State-Specific Disclosures (AL, CA, CO, CT & FL)
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1 State-Specific Disclosures (AL, CA, CO, CT & FL) Alabama 1. Mortgage Loan Origination Agreement (Brokered Loan) 2. Notice of Insurance Choice Disclosure (Lender) California 1. CA Addendum to Loan Application 2. AVM Notice 3. Consumer Credit Score 4. Copies of Signed Documents 5. Domestic Partnership Addendum to Loan Application 6. Fair Lending Notice 7. Finance Lender Law s Statement of Loan 8. Hazard Insurance Disclosure Colorado 1. Colorado Civil Union Addendum to Uniform Residential Loan Application 2. Colorado Guaranty Terms Agreement 3. Colorado Lock-In Disclosure 4. Colorado Tangible Net Benefit Disclosure(All Loans ) 5. Disclosure of Itemized Third Party Fees an d Costs 6. Right to Choose Insurance Provider (Lender) 7. Dual Status Disclosure(Brokered Loans, if applicable) Connecticut 1. Notice to Connecticut Mortgage Applicants 2. Agreement Concerning Non-Refundability of Advances Fee 3. Appraisal Notice 4. Mortgage Rate Lock-In Agreement (Upon Rate Lock) 5. Dual Capacity Disclosure (Brokered Loans, if applicable) Florida 1. Notice to Purchaser ( Lender Purchase ) 2. Lender Application Disclosure (Lender) 3. Anti- Coercion Notice (Lender) 4. Conflict of Interest Disclosure (If applicable) 5. Loan Fee Sheet 6. Lock-In Agreement (Lender Upon Rate Lock) 7. Notice of Material Change of Mortgage Loan Terms (Within 3 bdas of Change in Terms) 8. Mortgage Broker Agreement (Brokered Loan)
2 State-Specific Disclosures (GA, IL, LA, ME & MD) Georgia 1. Application Disclosure 2. Notice Pursuant to OCGA Section (3) 3. Notice of Right to Select Attorney Illinois 1. Loan Approval Notice (Upon Approval) 2. Borrower Information Document 3. Civil Union Addendum to Uniform Residential Loan Application 4. Description of UW Criteria And Required Documentation 5. Escrow Election Letter (Lender) 6. Mortgage Escrow Account Act (Lender) 7. Notice of Choice of Agent or Insurer (Lender) 8. Rate & Points Lock/Float Agreement 9. Illinois Advanced Fee Agreement 10. IL Loan Brokerage Agreement (Brokered Loans) 11. IL Loan Brokerage Disclosure Agreement (Brokered Loans) Louisiana 1. Mortgage Loan Origination Agreement Maine 1. Mortgage Broker Contract (Brokered Loans) 2. Notice To Consumers ( Brokered Loans ) 3. Reasonable Tangible Net Benefit Disclosure (HPML Loans) 4. Notice of Borrower s Right to Select Title Attorney (Lender) 5. Notice of Choice of Agent or Insurer (Lender) Maryland 1. Maryland Application Disclosure 2. Maryland Disclosure of Fees to be Paid by Seller (Purchase) 3. Commitment (Lender Upon Approval) 4. Important Notice Regarding Housing Counseling 5. Maryland Lender Attorney s Fee Disclosure 6. Financing Agreement (Lender Within 10 days of Application ) 7. Mortgage Broker Agreement (Brokered Loans) 8. Maryland Tangible Net Benefit Worksheet (Refinance ) 9. Notice of Right to Rescind a Purchase Contract (Purchase) 10. Licensee Information or Affidavit (Closing Document) 11. Waiver of 72 Hour Notice (Lender Closing Document, only when applicable ) State-Specific Disclosures rev
3 State-Specific Disclosures (MA, NH, NJ & NC) Massachusetts 1. Childhood Lead Poisoning Prevention (Purchase- Homes built before 1978) 2. Lead Inspectors List (Purchase) 3. Massachusetts License Disclosure 4. Loan Origination and Compensation Agreement (Brokered Loans) 5. Mortgage Loan Rate Lock Commitment (Lender) 6. Mortgage Review Letter (Lender In addition to Notice of Action Taken) 7. Borrower Interest Worksheet (Refinance of Primary or Second Home) New Hampshire 1. Payment Disclosure 2. Application Disclosure New Jersey 1. New Jersey Addendum to Residential Mortgage Loan Application 2. New Jersey Application Disclosure 3. New Jersey Right to Own Attorney Disclosure (Lender) 4. New Jersey Insurance Notice 5. New Jersey Disclosure Form 6. New Jersey Initial Tax Authorization Notice (Lender) 7. Loan Commitment (Lender) 8. New Jersey Lock-In Agreement (Lender- Upon Rate Lock) North Carolina 1. NMLS Unique Indentifier Disclosed On Application 2. Amortization Schedule (Lender) 3. Notice of Information And Examples of Amortization of Home Loans 4. Freedom to Choose 5. Notice of Right to Select Attorney 6. Rate Spread Adjustable Rate Mortgage Loan Disclosure (Brokered Loans, Rate Spread Home Loan) 7. Fee Information Form your Mortgage Broker (Brokered Loans) *Include with loan submission & Initial disclosures checklist.
4 State-Specific Disclosures (OH, PA, SC & TX) Ohio 1. Acknowledgement of Receipt of Home Mortgage Loan Information Document 2. Automated Valuation Report Notice 3. Mortgage Loan Origination Disclosure Statement(MLODS) 4. Ohio Mortgage Loan Origination Disclosure Statement Addendum 5. Business Relationship Disclosure 6. Ohio Home Buyers Protection Act 7. Notice Pursuant to Section Net Tangible Benefit Worksheet (Refinance) 9. Right to Choose Insurance Provider 10. Notice of Change in Mortgage Terms (within 24 Hours of Change) Pennsylvania 1. Pennsylvania Application Disclosure 2. Freedom to Choose 3. Pennsylvania Mortgage Consumer Disclosure 4. Mortgage Lock-In Agreement (Upon Rate Lock) 5. Notice Regarding Refundability of Fees South Carolina 1. South Carolina Application Notice 2. Attorney/Insurer Agent Preference Form 3. Mortgage Broker Fee Agreement (Brokered Loan) 4. Borrower Reasonable Tangible Net Benefit Worksheet (Refinance) Texas 1. Form A Conditional Qualification Letter Mortgage Banker(Lender) 2. Form A Conditional Qualification Letter MLO 3. Form B Conditional Approval Letter Mortgage Banker(Lender) 4. Form B Conditional Approval Letter MLO 5. Notice Concerning Extensions of Credit defined by Section 50(a)(6), Article VI, Texas Constitution (Homestead Property) 6. Lock-In Agreement 7. Mortgage Banker Disclosure (Lender) 8. Mortgage Company Disclosure
5 State-Specific Disclosures (Virginia) Virginia 1. Broker Agreement (Brokered Loan) 2. Choice of Settlement Agent Disclosure (Purchase) 3. Disclosure of Terms of Mortgage Application 4. Hazard Insurance Disclosure 5. Lock-In Agreement (Upon Rate Lock)
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