Initial Disclosure Affiliated Business Disclosure 11413 12 CFR § Yes No Initial Disclosure Good Faith Estimate 01-01-10 12 CFR § No No Initial Disclosure Acknowledgement of Receipt of GFE and TIL 01-01-10 14600 12 CFR §§ & No No Initial Disclosure New Construction Disclosure 12 CFR § No No Initial Disclosure Notice of Intent to Proceed 14642 12 CFR § Yes No Initial Disclosure Settlement Service Providers 12 CFR Pt. 1024, No No Initial Disclosure Privacy Policy Notice 15182 15 USCA §§ et seq.; 12 CFR §§ . No No Initial Disclosure AIR Verification of Receipt of Appraisal 15224 2012 FNMA Selling Guide No No Initial Disclosure Anti-Steering Disclosure of Loan Options 15546 12 CFR § No No Adverse Action and Initial Disclosure ECOA Notice and Statement of Credit Denial, Termination or Charge 1413 & 15858 15 USCA §§ and et seq. 12 CFR § No No Adverse Action, Initial Disclosure, and Closing Credit Score Matrix 5416 12 CFR § & 16 CFR § No No TILA Redisclosure and Initial Disclosure Initial Truth-in-Lending Disclosure 1591 12 CFR § No No TILA Redisclosures, Initial Disclosure, and Closing Itemization of Amount Financed 14644 12 CFR § No No Initial Disclosure and Closing Copy of Appraisal Report Notice 6 12 CFR § No No 10 10
Closing HPA PMI Disclosures 29, 862, 4668, 16990, 16991, & 16992 12 USCA § No No Closing Informed Consumer Choice Disclosure Notice 41 24 CFR § No No Closing FACT Act Notice 4387 15 USCA § ; 12 CFR Pt. 1022, No No Closing Escrow Account Disclosure Enhanced Fees 7605 12 USCA § ; 12 CFR § No No Closing Right to Cancel – NOT a Refi. With Original Lender H-8 8204 12 CFR § No No Closing Partial Escrow Waiver 9826 15 USCA § No No Closing HUD-1 01-01-10 14222 12 CFR § No No Closing HUD-1A 01-01-10 14223 12 CFR § No No Closing Truth-in-Lending Total Payments Itemization 12 CFR § No No Alabama (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required Lender’s Signature Required?
Alaska (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure AK Anti-Coercion Insurance Disclosure 3842 Residential mortgage loans A dwelling (1-to-4 family or residential real estate upon which a dwelling will be located. Not specified ALASKA STAT. ANN. §§ & (West 2013) No No Initial Disclosure Tangible Net Benefit Worksheet 12531 (upon request) Not specified Not specified At closing ALASKA STAT. ANN. § (West 2013) No No Closing Notice of Suit in 3200, FHA, and VA 3200 Note Fixed, Fixed Rate Note Alaska Second, and other Notes 5, 36, 58, 1032, and Notes Loans of $25,000 or less, which have a greater rate of interest, discount, or consideration than otherwise permitted under the Small Loans Act. Not specified At closing ALASKA STAT. ANN. § (West 2013) No No Closing AK Loan Statement 14786 Residential mortgage loans A dwelling (1-to-4 family or residential real estate upon which a dwelling will be located. Not specified ALASKA STAT. ANN. § (West 2013) No No Closing Alaska Escrow Account Agreement 16005 (upon request) Residential mortgage loans A dwelling (1-to-4 family units) or residential real estate upon which a dwelling will be located. Not specified ALASKA STAT. ANN. § (West 2013) No No
Arizona (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Advanced Fee/Application Disclosure 2783 A mortgage loan or a mortgage banking loan Real estate Before accepting any type of application fees ARIZ. REV. STAT. ANN. §§ , & (2012) Yes Yes Initial Disclosure Anti-Coercion Insurance Disclosure 2788 A loan secured by real property Real property Not specified ARIZ. REV. STAT. ANN. §§ & (2012) No No Initial Disclosure Disclosure of Multiple in a Consumer Real Estate Transaction 3581 A mortgage loan or a mortgage banking loan Real estate Before collecting compensation for rendering services as a real estate broker or real estate salesman ARIZ. REV. STAT. ANN. §§ & (2012) No No Adverse Action & Initial Disclosure Appraisal Disclosure 3397 A mortgage loan or a mortgage banking loan Real estate When loan is declined or cancelled ARIZ. REV. STAT. ANN. §§ & (2012) Yes Yes Closing AZ Authorization to Complete Blank Spaces 2779 A mortgage loan or a mortgage banking loan Real estate Closing ARIZ. REV. STAT. ANN. §§ & (2012); ARIZ. ADMIN. CODE R & (2013) Yes No
California (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Copy of Appraisal Report Notice 6 A loan transaction Residential real property Within 15 days after lender receives the written application. CAL. BUS. & PROF. CODE § (West 2012) No No Initial Disclosure CA Impound Account Statement 1231 A loan secured by a deed of trust or mortgage Real property that contains a single-family dwelling that will be occupied by the owner within 90 days of closing. Prior to the execution of the loan or sales agreement. CAL. CIV. CODE § (West 2012) No No Initial Disclosure CA Disclosure Receipt 2687 A federally regulated residential mortgage loan, including a loan made to finance construction of a 1- to 4- family dwelling. Dwellings or residential real property With forms furnished for application CAL. BUS. & PROF. CODE § (West 2012); CAL. CODE REGS. tit. 10, § (2013) Yes No Initial Disclosure CA Mortgage Brokerage Agreement 2784 A federally related mortgage loan, including a construction loan A structure designed principally for occupancy of from 1- to 4- families. As soon as practical after request for brokerage services CAL. FIN. CODE § (West 2012) Yes Yes
Initial Disclosure CA Balloon Disclosure Regarding Extension of Credit 2786 A loan secured by a dwelling, the principal of which is more than either $30,000 (first lien) or $20,000 (second lien), that contains a balloon payment. A single dwelling unit in a condo or cooperative or a 1- to 4- family residential building. Prior to closing CAL. BUS. & PROF. CODE § (West 2012) No No Initial Disclosure CA Home Equity Loan Disclosure 2787 A home equity loan The consumer’s dwelling At the time that the customer makes an initial application in person, or within 3 business days if via mail or telephone. CAL. CIV. CODE § (West 2012) No No Initial Disclosure CA Addendum to Uniform Residential Loan Application 2796 Credit for the first statute, a consumer loan for the second. Real property As a part of the application CAL. CIV. CODE § (West 2012); CAL. FIN. CODE §§ & (West 2012) No No Initial Disclosure CA Consumer Caution and Home Ownership Counseling Notice for Covered Loans 2797 A covered loan Real property comprised of a 1- to 4- residential unit dwelling No later than 3 business days prior to closing CAL. FIN. CODE § (West 2012) Yes No Initial Disclosure CA Mortgage Loan Disclosure Statement (Re 882) 2798 A loan secured by a dwelling Real property, comprised of a 1- to 4- residential unit dwelling that is the principal dwelling of the consumer. Within 3 business days of receiving an application, or before closing (whichever is earlier) CAL. BUS. & PROF. CODE §§ , , & (West 2012); CAL. CODE REGS. tit. 10, § (2012) No No Initial Disclosure CA Title Insurance Disclosure 2799 An escrow transaction for the purchase of real property Real property Not specified CAL. CIV. CODE § (West 2012) Yes No
Initial Disclosure CA Balloon Disclosure 2800 (upon request) A loan secured by a dwelling Real property comprised of a 1- to 4- residential unit dwelling Within 3 business days of receiving an application, or before closing (whichever is earlier) CAL. BUS. & PROF. CODE § (West 2012) No No Initial Disclosure HCL Prepayment Charge Disclosure 2892 A covered loan Real property, comprised of a 1- to 4- residential unit dwelling that is the principal dwelling of the consumer. At least 3 business days prior to closing. CAL. FIN. CODE § (West 2012) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 Residential mortgage loan A 1- to 4- unit residential structure or residential real estate On the application CAL. FIN. CODE § (West 2012) No No Initial Disclosure CA Finance Lenders Law Statement of Loan - Broker 5188 Real property Consumer At the time the final negotiation is made CAL. FIN. CODE § (West 2012); CAL. CODE REGS. tit. 10, § (2012) No No Initial Disclosure CA Addendum to Loan Application 6095 Not specified Not specified Not specified CAL. FAM. CODE § (West 2012) No No Initial Disclosure California Rate Lock Agreement 7442 A federally-related mortgage loan, including construction loans. Residential real property consisting of a 1- to 4- family structure. Before charging a rate-lock fee, payable before closing CAL. FIN. CODE § (West 2012) No No Initial Disclosure Notice of Automated Valuation Model Result 11978 A consumer loan transaction secured by real property. Real property No later than 15 days after receiving a completed application CAL. FIN. CODE § (West 2012) No No
Initial Disclosure CA Mortgage Loan Disclosure Statement/Good Estimate (Re 885) 12922 A nontraditional mortgage product or an adjustable rate loan. Residential real property improved by a 1- to 4- family dwelling. Within 3 business days of receiving an application, or before closing (whichever is earlier) CAL. BUS. & PROF. CODE §§ , , & (West 2012); CAL. CODE REGS. tit. 10, §§ (2012) Yes No Initial Disclosure CA Disclosure of Negative Amortization 12996 A first lien covered loan with negative amortization. Real property consisting of 1- to 4- residential units, which is also the principal dwelling of the consumer. Not specified CAL. FIN. CODE § (West 2012) Yes No Initial Disclosure CA Comparison of Sample Mortgage Features 13522 A nontraditional mortgage product or an adjustable rate loan. Residential real property improved by a 1- to 4- family dwelling. Within 3 business days of receiving an application, or before closing (whichever is earlier) CAL. CODE REGS. tit. 10, §§ 1436(d) & 1950.314.8(d) (2012) No No Initial Disclosure CA Broker HPML Disclosure 14956 Higher-Priced Mortgage Loan Consumer’s principal dwelling. At the time of initially engaging in broker services CAL. FIN. CODE § (West 2012) No No Initial Disclosure CA Spanish Good Faith Estimate A loan or extension of credit secured by residential real property. Residential real property. Prior to closing CAL. CIV. CODE § (West 2012) No No Initial Disclosure Tangible Net Benefit Worksheet 15773 A covered loan that refinances a consumer loan. Real property consisting of 1- to 4- residential which is also the principal dwelling of the consumer. Not specified CAL. FIN. CODE § (West 2012) No No Initial Disclosure Statement of Credit Denial, Termination or Charge 15858 (Federal) Financial assistance. Housing accommodations. Financial assistance CAL. CIV. CODE § (West 2012); CAL. CODE REGS. tit. 21, § (2012) No No
Initial Disclosure CA Loan Commitment 16083 A federally-related mortgage loan or a construction loan for a 1- to 4- family dwelling. Residential real property containing a 1- to 4- family structure. A mortgage loan or a construction loan for a 1- to 4- family dwelling. CAL. FIN. CODE § (West 2012) Yes Yes Initial Disclosure CA Advanced Fee/Application Disclosure 16084 Loans secured directly or collaterally by liens on real property Real property secured directly or collaterally by liens on real property CAL. CODE REGS. tit. 10, § (2012) No No Initial Disclosure CA Fair Lending Notice 16170 Financial assistance Housing accommodations Financial assistance CAL. HEALTH & SAFETY CODE § (West 2012); CAL. CODE REGS. tit. 21, §§ (2012) No No Initial Disclosure & Closing CA Earthquake Insurance Disclosure 998 A loan secured by a borrower’s separate interest in a condominium project which requires earthquake insurance. A condominium project. As soon as reasonably practical CAL. CIV. CODE § (West 2012) No No Initial Disclosure & Closing CA Credit Score Disclosure 2112 Closed-end loans or the establishment of an open-end loan for a consumer purpose. 1- to 4- of residential real property. As soon as reasonably practical CAL. CIV. CODE §§ & (West 2012) No No Initial Disclosure & Closing CA Credit Notice 2114 Closed-end loans or the establishment of an open-end loan for a consumer purpose. 1- to 4- units of residential real property. As soon as reasonably practical CAL. CIV. CODE § (West 2012) No No related
Initial Disclosure & Closing CA Insurance Disclosure 2350 Loan secured by real property Real property As soon as practical, but before execution of any note or security documents. CAL. CIV. CODE § (West 2012 CAL. INS. CODE § (West 2012) No No Closing CA Per Diem Interest Disclosure 878 A promissory note secured by a mortgage or deed of Real property improved with between 1- to 4- residential dwelling units. Prior to placing funds in escrow. CAL. CIV. CODE § (West 2012); CAL. FIN. CODE § (West 2012) Yes No Closing CA Statement of Loan 883 A loan of a bona fide amount of less than $10,000 Not specified At the time the loan is made CAL. FIN. CODE § (West 2012) Yes No Closing CA Notice to Cosigner 886 A consumer credit transaction (see Cal. Civ. Code § for specifics) Not specified Prior to signing CAL. CIV. CODE § (West 2012) No No Closing CA Private Mortgage Insurance Cancellation Disclosure 999 or 17040 A loan secured by a deed of trust or mortgage Real property No than 30 days after the close of escrow CAL. CIV. CODE § (West 2012) No No Closing Request For Notice of Default 3475 Deed of trust or mortgage Real property or an estate Any time subsequent to recording, but before recording notice of default CAL. CIV. CODE § (West 2012) No Yes Closing CA Finance Lenders Law Statement of Loan – Finance Lenders 14027 Consumer Real property At the time the loan is made CAL. FIN. CODE §§ & (West 2012); CAL. CODE REGS. tit. 10, § (2012) No No
Closing CA Credit Disability Claim Procedure 15326 A credit transaction that is either 10 years or less in duration, or a construction/improvement loan. Not specified, but real property of 1- to 4- residential units, if construction/improvement loan. At the time the creditor sells the insurance. CAL. CIV. CODE § (West 2012) No No Closing Notice of Negative Credit Information On 4387 (Federal); 16085 Not specified Not specified Prior to or within 30 days after transmitting negative credit information CAL. CIV. CODE § (West 2012) No No Colorado (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure CO Loan Product Choice 2749 A covered loan which contains a prepayment penalty. Property that is the consumer’s principal dwelling. Not specified COLO. REV. STAT. ANN. § (West 2013) Yes No
Initial Disclosure CO Consumer Caution Notice 2750 A covered loan. Property that is the consumer’s principal dwelling. Within a reasonable amount of time after determining the loan is a covered loan, but at least 3 business days before closing COLO. REV. STAT. ANN. § (West 2013) Yes No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan of or extension of credit secured by real property. Real property. Not specified COLO. REV. STAT. ANN.§§ & (West 2013) No No Initial Disclosure CO Consumer Credit Transaction Disclosure 3584 A consumer credit transaction or an extension of credit for a consumer purpose. Real estate, including a dwelling that is a residential structure that contains 1 – to 4- units. At or before the time that credit is extended COLO. REV. STAT. ANN. §§ & (West 2013) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (Federal) Residential mortgage loans A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. On the application COLO. REV. STAT. ANN. § (West 2013) No No Initial Disclosure CO Disclosure 12866 Residential mortgage loans A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. Within 3 business days after receipt of a loan application or money COLO. REV. STAT. ANN. § (West 2013) No No
Initial Disclosure CO Reason for Loan 12874 A purchase or refinance transaction that is a residential mortgage loan A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling Not specified 4 COLO. CODE REGS. § (2013) Yes No Initial Disclosure CO Lock-In Disclosure 13134 Residential mortgage loans A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. Within 3 business days after receipt of a loan application or money COLO. REV. STAT. ANN. § , , & (West 2013); 4 COLO. CODE REGS. § (2013) Yes Yes Initial Disclosure CO Prepayment Penalty Disclosure 13355 Residential mortgage loans that contain a prepayment penalty. A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. Not specified 4 COLO. CODE REGS.§ (2013) No No Initial Disclosure CO Dual Status Disclosure 14095 Residential mortgage loans A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. Within 3 business days after receipt of a loan application or any moneys from a borrower. COLO. REV. STAT. ANN. § (West 2013); 4 COLO. CODE REGS.§ (2013) Yes Yes Initial Disclosure Itemization of Amount Financed 01-01-10 (Federal) Residential mortgage A dwelling or residential real estate containing (or will contain) 1- to 4- family dwelling units. Within 3 business days after receipt of a loan application or money COLO. REV. STAT. ANN. § (West 2013); 4 Colo. Code Regs. § Yes Yes
Initial Disclosure Cost of Insurance Disclosure 16488 Consumer credit transaction Land Not specified COLO. REV. STAT. ANN.§ (West 2013) Yes No Initial Disclosure & Closing CO Refinance Disclosure 993 Loans secured by a first lien that refinances a purchase or construction loan. A residential dwelling consisting of not more than 4 dwelling units. Not specified COLO. REV. STAT. ANN. §§ & (West 2013) No No Initial Disclosure & Closing CO Tangible Net Benefit Disclosure 12873 A covered loan that refinances an existing covered loan, or residential mortgage loans. Property consisting of the consumer’s principal dwelling, or a dwelling or residential real estate upon there are 1- to 4- family dwelling units. To be completed at the time of completing the application and (if any change occurs) prior to signing COLO. REV. STAT. ANN. §§ , , & (West 2013); 4 Colo. Code Regs. § (2013) Yes, pursuant to Yes, pursuant to f Closing Assignment Sale or Transfer of Servicing 21 (Federal) Consumer credit transaction Land Before consumer begins payments to assignee COLO. REV. STAT. ANN. § (West 2013) No No Closing CO Notice to Cosigners 994 Consumer credit transaction Land Before or contemporaneously with the co-signor signing any agreement or writing setting forth the terms of the agreement COLO. REV. STAT. ANN. § (West 2013) No No Closing CO Balloon Note Disclosure 2793 Consumer credit transaction that contains a balloon payment. Land At the time the transaction is entered into. COLO. REV. STAT. ANN. § (West 2013) No No
Closing CO Disburser’s Notice 3760 Mechanic’s Land that is to be improved Prior to the first disbursement COLO. REV. STAT. ANN. § (West 2013) No No Connecticut (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure CT Private Mortgage Insurance Disclosure 1029 First mortgage loan 1-to-4 family residential, real property. At the time the application is CONN. GEN. STAT. ANN. § (West 2013) No No
Initial Disclosure CT Real Estate Broker/Salesperson Disclosure 3589 mortgage loan 1-to-4 family residential real estate Prior to the buyer’s signing a broker contract CONN. GEN. STAT. ANN. § (West 2013) Yes No Initial Disclosure Anti Coercion Insurance 3750 Residential real estate Mortgage loan Not specified CONN. GEN. STAT. ANN. §§ & (West 2013) No No Initial Disclosure CT Agreement Concerning Nonrefundability of Advance Fees 3751 Residential mortgage loans A dwelling (as defined in 15 USCA §), or residential real estate which is or will contain such a dwelling. Prior to the payment of any advance fee CONN. GEN. STAT. ANN. § (West 2013) Yes Yes Initial Disclosure CT Notice of to Receive Copy of Appraisal 3752 Mortgage loan 1-to-4 family residential real property No later than 10 days after receipt of an appraisal report, but before consummation CONN. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure CT Disclosure Regarding Legal Representation 3753 A first lien mortgage loan 1-to-4 family residential real property When an application is CONN. GEN. STAT. ANN. § (West 2013) Yes No
Initial Disclosure CT Interim Financing Disclosure 3754 A lien mortgage loan 1-to-4 family residential real property At the time when an application is filed CONN. GEN. STAT. ANN. § (West 2013) Yes No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling or residential real estate upon which is, or will be, a dwelling (defined in 15 USCA §1602) At application CONN. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure Tangible Net Benefit Worksheet 16177? A high home loan 1-to-4 family residential property, which is the borrower’s principal residence. Not specified CONN. GEN. STAT. ANN. §§ & (West 2013) No No Initial Disclosure CT High Cost Home Loan Disclosure 13002 High cost home loan 1-to-4 family residential property When the loan is made CONN. GEN. STAT. ANN. § (West 2013) No No
Initial Disclosure Interest Rate Lock Commitment 15855 First mortgage loans A dwelling or residential real estate upon which is, or will be, a dwelling (defined in 15 USCA §1602) Before the lender commits to making a loan at a specified rate within a specified period of time. CONN. GEN. STAT. ANN. §§ & (West 2013) No Yes Initial Disclosure Addendum to Statement of Credit Denial, Termination, or Change 15905 A home purchase, home improvement, or mortgage loan. Residential real property, a dwelling, or real property. Adverse Action CONN. AGENCIES REGS. § (2013) No No Closing CT Notification of Note Payoff 16059 A residential real estate transaction involving the payoff of a mortgage loan A 1-to-4 family dwelling Within 2 business days from the date of completion of the closing CONN. GEN. STAT. ANN. § (West 2013) No No
Delaware (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure DE Broker Agreement 3583 A mortgage loan A 1-to-4 family residential, property Prior to the time that brokerage services are provided DEL. CODE ANN. tit. 5, § (West 2013); 5 DEL. ADMIN. CODE § (2013) Yes Yes Initial Disclosure DE Mortgage Loan Broker Regulations 3593 A mortgage loan A 1-to-4 family residential, property At the time application is made 5 DEL. ADMIN. CODE § (2013) No No Initial Disclosure Anti-Coercion Insurance 3750 A mortgage or lien on, or a loan secured by, real property Real property, particularly 1-to-4 family residential properties Not specified DEL. CODE ANN. tit. 18, § & tit. 25, § (West 2013) No No Initial Disclosure DE Licensed Lenders Regulations 3845 A revolving credit plan or closed end credit. Not specified At the time that application is made DEL. CODE ANN. tit. 5, §§ & (West 2013); 5 DEL. CODE § (2013) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in 15 USCA §1602( or residential real estate which has or will have a dwelling At application DEL. CODE ANN. tit. 5, § (West 2013) No No Initial Disclosure DE Mortgage Loan Commitment Letter 15752 A mortgage loan A 1-to-4 family residential, property Before a mortgage broker licensed under Chapter 21, Title 5 (Del. Code Ann. tit. 5, §2101 et seq.) receives most fees. DEL. CODE ANN. tit. 5, § (West 2013) No No occupied occupied occupied
District of Columbia (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure, TILA Redisclosure, and Closing Initial Disclosure, ARM Disclosure – Lender, and other TILA Disclosures 1591 (Federal), 14089 (Federal), and other TILA Disclosures A loan, financial, or consumer credit transaction Residential real property Prior to execution of the loan or financial transaction D.C. CODE § (2012) No No Initial Disclosure, Processing, TILA Redisclosure, Underwriting, and Closing Various Federal disclosures used to fulfill loan application disclosure requirements 1591 (Federal), 4193 (FNMA), (Federal), and 14221 (Federal) A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family home On or with the application D.C. MUN. REGS. tit. 26C, § (2013) Yes No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A credit extension Real property Not specified D.C. CODE § (2012) No No Lending
Initial Disclosure DC Financing Agreement 3633 A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family home At least 72 hours before the time of settlement D.C. CODE § (2012) Yes Yes Initial Disclosure DC Red Flag Warning Disclosure Notice 4245 A covered loan Residential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwelling At least 3 business days prior to closing D.C. CODE § & (2012); D.C. MUN. REGS. tit. 26C, §§ & (2013) Yes No Initial Disclosure DC Disclosure of Dual Capacity 5072 A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling At the time brokerage services are first offered D.C. CODE § (2012) Yes Yes (broker’s signature) Initial Disclosure DC Lock-In Agreement 10455 A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not specified D.C. MUN. REGS. tit. 26C, §§ (2013) Yes Yes
Initial Disclosure DC Mortgage Disclosure Form 13354 A mortgage loan (a mortgage loan that is not a fixed-rate one with an amortization period of less than 30 years) A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Within 3 business days of an application D.C. CODE § (2012) Yes Yes Initial Disclosure Addendum to Loan Application A mortgage or deed of trust Not specified Not specified D.C. CODE § (2012) No No Initial Disclosure DC Spanish Mortgage Disclosure Form A mortgage loan (a mortgage loan that is not a fixed-rate one with an amortization period of less than 30 years) A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Within 3 business days of an application D.C. CODE § (2012) Yes Yes Initial Disclosure Cost of Insurance Disclosure 16488 Either: (1) a covered loan; or (2) a loan or financial transaction Either: (1) residential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwelling; or (2) property At 3 days before closing D.C. CODE §§ and (2012) Yes No conventional conventional
Initial Disclosure & Closing Waiver of 72 Hour Notice 8268 (upon request) A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family home Prior to execution of the financing agreement D.C. CODE § (2012) Yes No Closing DC Final Financing Agreement A mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, specifically a 1-to-4 family home At least 72 hours prior to closing, unless the borrower signs a waiver D.C. CODE §§ & (b) and (2012); D.C. MUN. REGS. tit. 26C, §§ (2013) Yes Yes Initial Disclosure & Closing DC Nonresident Borrower Confirmation 17181 (upon request) A covered loan Residential real property in which there is (or is to be) located a 1-to-4 family unit structure which is (or will be) the borrower’s principal dwelling Before a who does not own or reside in the subject property, is added to a covered loan D.C. CODE § Yes No
Closing DC Escrow Account Disclosure 1026 Either: (1) a mortgage loan; or (2) a loan or financial transaction. In either case, the loan must have present either a downpayment of 20% of the purchase price or the borrower has an equity interest of 20% or more of the fair market value Either: (1) a dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon is (or is intended to be) constructed a dwelling; or (2) residential real property On the date of execution of the loan or financial transaction D.C. CODE §§ & (2012) No No Closing HELOC Deed of Trust – DC 1340 A credit line deed of trust Single family residential property used for nontransient residential purposes On the deed of trust D.C. CODE § (2012) No No Closing DC Real Property Recordation and Transfer Tax Forms FP 7/C & DC Real Property Recordation and Transfer Tax Addendum 2485 & 16282 (upon request) Not specified Real property At the time of recording D.C. MUN. REGS. tit. 9, §§ , & (2013) No No
Initial Disclosure FL Mortgage Broker Agreement 3474 A mortgage loan A dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed. Within 3 business days after application FLA. STAT. ANN. §§ & (West 2012); FLA. ADMIN. CODE ANN. r. & (2013) Yes Yes Initial Disclosure FL Notice to Purchaser – Mortgagor 4131 Not specified Not specified Not specified FLA. STAT. ANN. § (West 2012); FLA. ADMIN. CODE ANN. r. (2013) Yes No Initial Disclosure FL Broker Disclosure 4133 A mortgage loan A dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed. At the time a mortgage agreement is signed or a typical advance fee is accepted, but at least 3 business days before execution of closing. FLA. STAT. ANN. § (West 2012) No No Initial Disclosure FL Fair Act – High Cost Loan Notice 4503 A high-cost home loan A consumer’s principal dwelling consisting of 1-to-4 family housing units. Not less than 3 business days to consummation FLA. STAT. ANN. § (West 2012) No No Initial Disclosure FL Conflict of Interest Disclosure 4550 A mortgage transaction Not specified Not specified FLA. STAT. ANN. § (West 2012); FLA. CODE ANN. r. (2013) No No Initial Disclosure FL High-Cost Home Loan Notice to Borrower 5282 A high-cost home loan A consumer’s principal dwelling consisting of 1-to-4 family housing Not less than 3 business days prior to consummation FLA. STAT. ANN. § (West 2012) No No
Initial Disclosure or Closing Florida Radon Gas Notification 9541 (upon request) Not specified A building At the time of or prior to contract for sale and purchase of any building. FLA. STAT. ANN. § (West 2012) No No Initial Disclosure, Processing, TILA Redisclosure, and Closing FL Disclosure of Material Change 12926 (upon request) Mortgage loan Residential real estate, commercial real property, or real property of 5 or more dwelling units. Within 3 business days of being made aware of any changes, but at least 3 business days before signing of the closing statement. FLA. STAT. ANN. §§ & (West 2012) No No Closing Right to Cancel – NOT a Refi. With Original Lender 8204 (Federal), 8205 (Federal), & 8206 (Federal) A high-cost home loan A consumer’s principal dwelling consisting of 1-to-4 family housing units. At closing FLA. STAT. ANN. § (West 2012) No No
Georgia (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Acknowledgment of Receipt of Good Faith Estimate and Good Faith Estimate 01-01-10 879 (upon request) & (Federal) A mortgage loan A 1-to-4 family residential property, which is the primary residence of a natural person, but does not include rental property or second homes Within 3 business days after the application is received GA. CODE ANN. § (West 2012); GA. COMP. R. & REGS. (2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A financing of real property Real property Not specified GA. CODE ANN. § (West 2012) No No Initial Disclosure Advanced Fee/Application Disclosure 2783 Either: (1) a mortgage loan; or (2) a residential mortgage loan Either: (1) a 1-to-4 family residential property that is the primary residence of a natural person; or (2) A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, consisting of 1-to-4 units Before accepting any application, property appraisal, credit report, or any other third-party fee GA. CODE ANN. § (West 2012); GA. COMP. R. & REGS. (2013) Yes No Initial Disclosure Right to Choose Attorney 3846 Not specified, but practically required only in connection with high-cost home loans. Not specified, but practically real estate upon which is located a family, principal dwelling Not specified GA. CODE ANN. § (West 2012) No No
Closing GA Foreclosure Disclosure 1011 A mortgage loan A 1-to-4 family residential property, which is the primary residence of a natural person, but does not include rental property or second homes At or before the time of closing GA. CODE ANN. § (West 2012); GA. COMP. R. & REGS. (2013) Yes No Closing GA Application for Homestead Tax Exemption 1016 Not specified A homestead Not specified GA. CODE ANN. §§ (West 2012) No No Closing GA Fair Market Property Values Affidavit 15037 A long-term note secured by real estate, in any part of the principal falls due more than 3 years from the date of the note Real property located in more than one county At recording GA. CODE ANN. § (West 2012) Yes No
Hawaii (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan of or an extension of credit Not specified Not specified HAW. REV. STAT. § (West 2012) No No Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) Residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate, upon which a dwelling is (or is intended to be) constructed On the application HAW. REV. STAT. § (West 2012) No No Initial Disclosure HI Public Information Notice 16995 A loan secured by residential property Residential property Within 3 business days after the application is submitted or within 3 business days after the property is required to be secured HAW. REV. STAT. § (West 2012) No No
Idaho (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure, TILA Redisclosure, and Closing Initial Disclosure and Good Faith Estimate 01-01-10 18 (Federal), 1591 (Federal), & 14221 (Federal) Either: (1) a residential mortgage loan; or (2) a credit transaction subject to the Federal Consumer Credit Protection Act Either: (1) a dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwelling; or (2) not specified Various times IDAHO CODE ANN. §§ & (West 2013); IDAHO ADMIN CODE r. (2013) No No Initial Disclosure ID Mortgage Banker Application 2688 A residential mortgage loan or a loan modification A dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwelling Upon receipt of application, but before receiving any money from a borrower ADMIN CODE r. (2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Purchase loan Real property Not specified IDAHO CODE ANN. §§ & (West 2013) No No
Initial Disclosure ID Interest Rate Lock-In Confirmation Agreement 14157 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon which is (or is intended to be) constructed such a dwelling Within no more than 3 business days after entering into a lock-in agreement IDAHO CODE ANN. § (West 2013); ); IDAHO ADMIN CODE r. (2013) No No Initial Disclosure ID Commitment Agreement 16367 (upon request) A loan of money or an extension of credit of $50,000 or more. Not specified Not specified IDAHO CODE ANN. § (West 2013) No Yes Initial Disclosure and Closing ID Reserve Account Disclosure 10170 A residential mortgage loan, in which an impound or escrow account is maintained Residential real property Not specified IDAHO CODE ANN. § (West 2013) No No Initial Disclosure and Closing Good Estimate 01-01-10 and 01-01-10 14221 (Federal) & 14753 (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or on residential real estate upon is (or is intended to be) constructed such a dwelling Before accepting any fees at closing IDAHO CODE ANN. § (West 2013) No No
Illinois (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure IL to Choose Title 1097 An extension of credit or a loan secured by an interest in real estate Real estate which shall have a single family residence or residential condo unit (or to be occupied) as a principal residence by the borrower or beneficiary Not specified 815 ILL. COMP. STAT. ANN. (West 2013) No No
Initial Disclosure IL Borrower Information Document 1206 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Before the borrower signs the application, or gives the licensee any consideration (whichever comes first) ILL. ADMIN. CODE tit. 38, § (2013) Yes No Adverse Action and Initial Disclosure IL Failure to Qualify Notice 1603 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Immediately after determining that a borrower does not qualify for the loan applied for and the costs of another recommended program materially differ ILL. CODE tit. 38, § (2013) No No Adverse Action and Initial Disclosure IL Notice of Change Affecting Loan 1605 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon is (or is intended to be) constructed a dwelling When a notice is received from a secondary market underwriter, an investor, the FHA, or the VA, that materially affects a loan in process ILL. ADMIN. CODE tit. 38, § (2013) No No Initial Disclosure IL Mortgage Awareness Program Notice 1902 A high risk home loan A borrower’s principal residence Prior to making a high risk home loan 815 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38, §§ & (2013) No No
Initial Disclosure IL Mortgage Awareness Waiver 1903 A high risk home loan A borrower’s principal residence No less than 2 business days the borrower receives Cx1902 815 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38 §§ & (2013) Yes (based on promulgated) No Initial Disclosure IL Loan Brokerage Disclosure Statement 1908 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Before the borrower signs a loan brokerage agreement or pays any consideration (whichever comes first) ILL. ADMIN. CODE tit. 38, § (2013) Yes No Initial Disclosure IL Loan Brokerage Agreement 1909 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Before the borrower signs the application, or pays any consideration (whichever comes first) ILL. ADMIN. CODE tit. 38, §§ , , , & (2013) Yes Yes Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan between $500 and $40,000, which has a greater rate of interest or discount than allowed under other laws Real property Not specified 205 ILL. COMP. STAT. ANN. (West 2013) No No
Initial Disclosure Advanced Fee/Application Disclosure 2783 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not specified ILL. ADMIN. CODE tit. 38, §§ & (2013) Yes Yes Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling On the application 205 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure IL Required Underwriting Documentation 4558 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling At the time of application ILL. ADMIN. CODE tit. 38, § (2013) No No Initial Disclosure IL GFE Charges Paid by Seller 13000 A FHA-insured or VA-guaranteed residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling At the time of application ILL. CODE tit. 38, § (2013) No No Initial Disclosure IL Notice to Borrower 13001 A high risk home loan A borrower’s primary residence Before offering or making a high risk home loan and not later than 3 business days before closing. 815 ILL. COMP. STAT. ANN. (West 2013) Yes No
Initial Disclosure Addendum to Loan Application 13441 Either: (1) not specified; or (2) a residential mortgage loan Either: (1) not specified; or (2) a dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling With forms furnished for application by mail 750 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38, § (2013) No No Initial Disclosure IL Float/Rate-Lock Fee Agreement A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not specified, but practically before closing ILL. ADMIN. CODE tit. 38, § (2013) Yes Yes Initial Disclosure IL Pledged Time Deposit Account Disclosure – Example 14180 A residential mortgage loan, which is for the purchase of the property, but which is not for either or A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, which is also single-family real estate Before an applicant signs the application or gives the licensee any consideration, whichever comes first 765 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38, § (2013) No No Initial Disclosure IL Loan Approval Notice 14271 (upon request) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Immediately upon approval of a residential mortgage loan application ILL. ADMIN. CODE tit. 38, § (2013) No No
Initial Disclosure High Cost Tangible Net Benefit Worksheet 15773 (upon request) A high risk home loan A borrower’s principal residence Not specified 815 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure IL Notice of Independent Review 16096 A high risk home loan A borrower’s primary residence Not specified 815 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure IL Notice of Material Change in Loan Terms 16217 (upon request) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon is (or is intended to be) constructed a dwelling No later than 3 days after learning of the change or 24 hours before closing, whichever is earlier 205 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure IL Disclosure of Refinancing Options (upon request) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling When the subject of a future loan is discussed 205 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure IL Mortgage Escrow Account Act 1207 A residential mortgage loan, which is a purchase loan, but not FHA-insured or VA-guaranteed and in which there is a certainly that an escrow account will not be established A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, but which is also a single-family security, owner-occupied real estate Before the borrower signs the application, or pays any consideration (whichever comes first). 765 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38, §§ & (2013) Yes No
Initial Disclosure and Closing IL Private Mortgage Insurance Disclosure 1311 A mortgage, in connection with which private mortgage insurance may be required, but not FHA-insured or VA-guaranteed loans The principal, single family residence of the mortgagor Not specified 765 ILL. COMP. STAT. ANN. (West 2013) No No Initial Disclosure and Closing IL Notice of Material Facts 16231 (upon request) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not specified 205 ILL. COMP. STAT. ANN. (West 2013) No No Closing Assignment Sale or Transfer of Servicing 21 (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Simultaneous with the transfer of servicing 205 ILL. COMP. STAT. ANN. (West 2013); ILL. CODE tit. 38, § (2013) No No Closing Homestead Waiver in IL Mortgage On 323 A loan secured by a mortgage A homestead In the mortgage 735 ILL. COMP. STAT. ANN. (West 2013); 765 ILL. COMP. STAT. ANN. §§ & (West 2013) Yes No
Closing IL Escrow Account Disclosure Agreement 1012 A primary lien, residential mortgage loan provides for an escrow account A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling At closing ILL. ADMIN. CODE tit. 38, § (2013) Yes Yes Adverse Action and Closing IL Failure to Close Disclosure 1013 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling After a loan fails to close ILL. ADMIN. CODE tit. 38, § (2013) No No Closing IL Pledged Time Deposit Account Disclosure 1014 Either: (1) a purchase loan; or (2) a residential mortgage loan, which is for the purchase of the property, but which is not for either or Either: (1) a residence; or (2) a dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling, which is also single-family real estate At closing 765 ILL. COMP. STAT. ANN. (West 2013); ILL. ADMIN. CODE tit. 38, § (2013) Yes No Closing IL Collateral Protection Act Notice 1302 A credit transaction Property In or with the credit agreement 815 ILL. COMP. STAT. ANN. (West 2013) No No Closing IL Statement of Borrowers Benefits 1875 A refinancing loan A borrower’s principal residence, consisting of either 1-to-4 family or a dwelling consisting of condo or coop units Not specified 815 ILL. COMP. STAT. ANN. & (West 2013) No No
Closing IL Mortgage Escrow Account Act Applicability 14127 A residential mortgage loan, which is for the purchase of the property, but which is not for either or or in which an escrow account or other specific arrangement for payment of taxes is made A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon is (or is intended to be) constructed a dwelling, which is also single-family real estate At closing ILL. ADMIN. CODE tit. 38, § (2013) Yes No Closing IL Mortgage Escrow Account Act A purchase loan A residence At closing 765 ILL. COMP. STAT. ANN. (West 2013) No No
Indiana (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure and TILA Redisclosure Consumer Loan Information in the Truth-in-Lending Disclosure In Cx18, 1591, and other TILA Disclosures A consumer loan An interest in land used (or expected to be used) as the debtor’s principal dwelling Various Times IND. CODE ANN. § (West 2012) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Not specified. A mortgage. Not specified. Real property. Not specified IND. CODE ANN. §§ and & (12) (West 2012) No No Initial Disclosure IN Mortgage Broker Agreement 3828 Either: (1) a residential mortgage loan; or (2) a loan. A dwelling (as defined in Section 103[w] of the federal in Lending Act) or residential real estate on which shall be a dwelling. Not specified IND. CODE ANN. §§ & (West 2012); 710 IND. CODE (West 2013) Yes Yes Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A mortgage transaction A dwelling or residential real estate upon which a dwelling is constructed or intended to be constructed. At application IND. CODE ANN. § (West 2012); 750 IND. ADMIN. CODE (West 2013) No No Initial Disclosure IN Notice to Borrower 14601 A mortgage loan, including most of the usual loans regulated by Indiana law (see Ind. Code Ann. §24-5-23.5-4 for details). A real estate transaction Not later than 3 business days after receiving a completed written application IND. CODE ANN. § (West 2012) No No
Closing IN Property Tax Benefits (THIS FORM MUST BE PRINTED ON YELLOW OR GOLD PAPER) Either: (1) a first lien purchase money mortgage or refinancing transaction; or (2) a consumer loan, which generally excludes first lien mortgage transactions Either: (1) single family residential property; or (2) an interest in land used or expected to be used as the principal dwelling of the debtor, consisting of 1-to-4 Before closing a transaction IND. CODE ANN. §§ & (West 2012) Yes No Iowa (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure IA Payment Reduction Fee Disclosure 1906 A loan with a payment reduction fee Real property that is and which is a 1-to-2 family dwelling Prior to application IOWA CODE ANN. § (West 2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Not specified. A real estate mortgage loan Not specified. Residential property consisting of 4 or family dwelling units Not specified IOWA CODE ANN. §§ & (West 2013) No No Initial Disclosure NMLS Number Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in section 103[v] of the Federal Truth in Act) or residential real estate (which will contain a dwelling). At application IOWA CODE ANN. § (West 2013) No No Initial Disclosure IA Broker Agreement 5110 A loan Not specified Not specified IOWA CODE ANN. §§ & (West 2013) Yes Yes
Closing Homestead Waiver on IA Mortgage, IA Mortgage FHA, IA Mortgage Second, and Mortgage Less than 25000 – IA On 321, 374, 479, & 1377 Not specified A homestead On a written contract IOWA CODE ANN. § (West 2013) Yes No Closing IA Oral Agreement Disclosure 1021 A credit agreement (applies only to a loan of less than $20,000) Not specified At or after the time the credit agreement is made. IOWA CODE ANN. § (West 2013) Yes Yes Closing IA Notice to Cosigners 1022 A consumer credit transaction (consumer loan) of $25,000 or less. Not specified Before or contemporaneously with signing any agreement of obligation. IOWA CODE ANN. § (West 2013) Yes No Closing Consumer Credit Transaction Notice on Fixed Rate Note Iowa Second On 1044 A consumer credit transaction (consumer loan) of $25,000 or less. Not specified At closing IOWA CODE ANN. § (West 2013) No No Closing HUD-1 01-01-10 14222 (Federal) A purchase money loan or a refinancing thereof A 1-to-2 family, owner-occupied dwelling Not specified IOWA CODE ANN. § (West 2013) No No
Initial Disclosure KS, LA Anti Coercion Insurance Disclosure 4172 A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lien Land At closing KAN. STAT. ANN. § (West 2012) No No Initial Disclosure KS Loan Broker Disclosure 4248 A loan Not specified At 7 days before either a contract for services is signed or consideration is received, whichever occurs first. KAN. STAT. ANN. § (West 2012) No No Initial Disclosure Dual Capacity Disclosure 12999 (upon request) A purchase mortgage loan A lot intended for residential purposes or a family dwelling (as defined in section 103[v] of TILA), is Before receiving compensation for mortgage business services. KAN. STAT. ANN. §§ & (West 2012) No No occupied.
Initial Disclosure Cost of Insurance Disclosure (upon request) A consumer loan, which is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lien Land Not specified, but practically before charges for the disclosed insurance are incurred. KAN. STAT. ANN. § (West 2012) Yes when it involves life, accident, health or unemployment insurance not required by the creditor No Initial Disclosure KS Estimated Disclosure Document 16584 (upon request) A loan which is also covered by the Act (15 USCA §§ 1601 through 1667e) Not specified Before the borrower becomes contractually obligated on the loan KAN. STAT. ANN. § (West 2012) No No Initial Disclosure and Closing Various TILA Disclosures 18, 1591, and other TILA Disclosures (Federal) A consumer loan, is either: (1) a primary lien if the LTV exceeds 100% or the APR exceeds the code mortgage rate; or (2) a junior lien Land At various times KAN. ADMIN. REGS. § (2013) No No
Kentucky (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Either: (1) A loan or extension of credit; or (2) A debt or loan Property When application approval is pending and insurance is offered or required. KY. REV. STAT. ANN. §§ , & (West 2012); 806 KY. ADMIN. REGS. (2013) No No Initial Disclosure KY Mortgage Loan Broker Agent Disclosure 3825 A residential mortgage loan Residential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v]) Not specified KY. REV. STAT. ANN. § (West 2012) No No Initial Disclosure KY Commitment Disclosure 3826 A loan commitment or funding, or a mortgage loan Residential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v]) Not specified KY. REV. STAT. ANN. §§ & (West 2012) Yes Yes Initial Disclosure NMLS Unique Identifier Disclosure on 1003 Uniform Residential Loan Application On 4193 A mortgage loan Residential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v]) On the application KY. REV. STAT. ANN. § (West 2012) No Yes (of the originator) Initial Disclosure KY Notice to Borrower – High Cost Loans 4264 A high-cost home loan Owner-occupied residential real property At least 3 business days before consummation. KY. REV. STAT. ANN. § (West 2012) No No Initial Disclosure KY Fair Housing Disclosure 11145 A financing of real property Real property At the time of sale, purchase, or financing of real property 104 KY. ADMIN. REGS. (2013) No No
Initial Disclosure Affiliated Business Disclosure 11413 (Federal) A mortgage loan Residential real property does or shall contain a dwelling (as defined in 15 USCA § 1602[v]) At the time when the Good Faith Estimate is provided 808 KY. ADMIN. REGS. (2013) Yes No Closing KY Homeownership Protection Center Notification to Homeowners 13677 Not specified Not specified At closing KY. REV. STAT. ANN. §§ & (West 2012) No No Closing HUD 01-01-10 and Itemization of Amount Financed 01-01-10 & 14644 (Both Federal) A mortgage loan Residential real property which does or shall contain a dwelling (as defined in 15 USCA § 1602[v]) Not specified, but practically at closing 808 KY. ADMIN. REGS. (2013) No No
Louisiana (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure LA Loan Brokerage Agreement and Disclosure Statement 3318 A consumer loan or a federally related mortgage loan (if contracted for) that is a first lien Residential immovable property consisting of 1-to-4 family units At application LA. REV. STAT. ANN. §§ & (2012) Yes Yes Initial Disclosure KS, LA Anti Coercion Insurance Disclosure 4172 Either: (1) a consumer credit transaction (consumer loan); or (2) a mortgage Not specified. Immovable property Not specified LA. REV. STAT. ANN. §§ & (2012) No No Initial Disclosure LA Mortgage Loan Origination Agreement 4828 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property which shall contain a dwelling No later than 3 days after the initial loan application date. LA. REV. STAT. ANN. § (2012) Yes Yes Initial Disclosure LA Application Fee Disclosure 11909 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential immovable property which shall contain a dwelling Prior to collecting an application fee. LA. REV. STAT. ANN. § (2012) No No
Closing 3200 Note Fixed, LA Mortgage Second, Fixed Rate Note Louisiana Second, HUD-1 and any other applicable Louisiana promissory notes 5, 485, 1050, 14222 (Federal), and other Louisiana promissory notes A federally mortgage loan (which is a first mortgage), a residential mortgage loan other than a federally related mortgage loan, and a consumer loan Residential immovable property (upon which there is, or will be, constructed a dwelling), including an immobilized family mobile home Not specified, but practically at closing LA. REV. STAT. ANN. §§ & (2012) No No Closing LA Title Insurance Rider 16234 A mortgage in connection with the sale, conveyance, transfer or other act transferring an interest in the property 1-to-4 family residential property As a part of the mortgage LA. REV. STAT. ANN. § (2012) No No
(Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure ME Notification to Buyer of Withholding Tax Requirement 1570 A purchase mortgage, lien, or encumbrance Real property Not specified ME. REV. STAT. tit. 36, § (2012) No No Initial Disclosure TILA Disclosures 1591 and other TILA Disclosures Either: (1) a consumer credit transaction (consumer loan); or (2) consumer credit Manufactured housing or an interest in land. Not specified At various times ME. REV. STAT. tit. 9-A, §§ & (2012) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan Not specified At the time of application or at the outset of negotiations. ME. REV. STAT. tit. 24-A, § (2012) No No Initial Disclosure ME Right to Own Attorney Disclosure 3279 Either: (1) a residential mortgage loan; or (2) a consumer credit transaction (consumer loan) 1-to-4 residential units Not specified ME. REV. STAT. tit. 9-A, §§ & and tit. 9-B, § (2012) No No Initial Disclosure ME Balloon Addendum to Loan Application 3394 A consumer credit transaction (consumer loan) with a term of 4 years or less Manufactured housing or an interest in land At closing ME. REV. STAT. tit. 9-A, § (2012) No No
Adverse Action and Initial Disclosure Appraisal Disclosure 3397 A consumer credit transaction (consumer loan) Either: (1) manufactured housing or an interest in land; or (2) real estate Not specified, but practically within 90 days of taking action on the application (or the application is withdrawn), or at the date of closing, whichever is Me. Rev. Stat. Ann. tit. 9-A, §§ & ; tit. 9-B, § (2011) No No Initial Disclosure ME Disclosure to Consumer 3764 Either: (1) an extension of credit; or (2) consumer credit Not specified Before any agreement is entered into or any money paid. ME. REV. STAT. tit. 9-A, § (2012); ME. CODE R. 02-030, ch. 350, § (2013) Yes Yes Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling or residential real estate upon there will be a dwelling At application ME. REV. STAT. tit. 9-A, § (2012) No No Initial Disclosure ME Broker Agreement and Good Faith Estimate 01-01-10 4517 & (latter Federal) Consumer credit Not specified Not specified ME. REV. STAT. tit. 9-A, § (2012); ME. CODE R. 02-030, ch. 350, § (2013) Yes No Initial Disclosure ME HCL or HPML Reasonable, Tangible Net Benefit Disclosure Form 13190 or 16407 A high-cost mortgage loan or a higher-priced mortgage loan Residential real property that is the borrower’s principal dwelling and consists of 1-to-4 family units Before engaging in the act of “flipping” ME. CODE R. ch. 550, §§ , & and (2013) Yes Yes
Initial Disclosure Privacy Policy Notice 15182 (Federal) A consumer credit transaction (consumer loan) Manufactured housing or an interest in land No later than when a customer relationship is established ME. REV. STAT. tit. 9-A, §§ & (2012) No No Initial Disclosure ME Alternative Mortgage Transaction Disclosures 15798, 15799, or 15800 An alternative mortgage transaction, which is a primary lien, has a term of more than 1 year, and is a purchase loan, refinance thereof, or a construction loan A 1-to-4 family dwelling At the time an application is provided or before the applicant pays a nonrefundable fee. ME. CODE R. ch. 119, §§ ; 02-030 ch. 250, §§ (2013) No No Initial Disclosure Addendum to Statement of Credit Denial, Termination, or Change Credit Not specified Within a reasonable period of time, upon the consumer written request for the reasons for the adverse action received within 60 days after learning of such adverse action. ME. REV. STAT. tit. 10, § (2012) No No Initial Disclosure Cost of Insurance Disclosure 16488 (upon request) A consumer credit transaction (consumer loan), generally excludes purchase, refinance of a purchase, construction, and first lien loans Manufactured housing or an interest in land Not specified, but practically before charging for any of the disclosed insurances ME. REV. STAT. tit. 9-A, § (2012) No No
Maryland (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure MD Financing Agreement 2171 A purchase loan, or a refinance, which is also a first mortgage or first deed of trust Owner-occupied family home Within business days after the date the application is completed. MD. CODE ANN., COM. LAW §§ , , & (West 2012); MD. CODE REGS. (2013) Yes Yes
Initial Disclosure MD Settlement Services Disclosure 2361 Either: (1) a loan secured by a first mortgage or first deed of trust; or (2) any loan secured by a mortgage or deed of trust A borrower’s principal residence At application or within 3 days after application, or earlier upon request. MD. CODE ANN., COM. LAW §§ & (West 2012) Yes No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Either: (1) a loan under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.); or (2) a loan Not specified Not specified MD. CODE ANN., COM. LAW §§ (West 2012); MD. CODE ANN., INS. § (West 2012) No No Initial Disclosure MD Notice of Waiver 3278 A purchase money loan, or a refinance, which is also a first mortgage or first deed of trust Owner-occupied, 1-to-4 family home At least 72 hours before the time of settlement MD. CODE ANN., COM. LAW §§ , , & (West 2012); MD. CODE REGS. (2013) Yes No Initial Disclosure MD Application Disclosure 3579 A mortgage loan A dwelling, residential real estate on which a dwelling is or is intended to be constructed, and must be At the time the borrower elects the type of loan applied for MD. CODE REGS. (2013) No No occupied
Initial Disclosure MD Covered Loan Application Disclosure 3824 and 15232 Either: (1) a covered loan, including a secondary mortgage loan; (2)a mortgage loan; or (3) a reverse mortgage Either: (1) a 1-to-4 family dwelling; (2) a dwelling or residential real estate on which a dwelling is or is intended to be constructed (which is owner occupied); or (3) the borrower’s principal dwelling At the time the borrower completes the application. MD. CODE ANN., COM. LAW §§ & (West 2012); MD. CODE REGS. & (2013) No No Initial Disclosure MD Loan Commitment 4174 A purchase money loan, or a refinance, which is also a first mortgage or first deed of trust Owner-occupied family home At least 72 hours before the time of settlement MD. CODE ANN., COM. LAW §§ , , & (West 2012); MD. CODE REGS. (2013) Yes No Initial Disclosure MD Right to Rescind After Written Application 4177 A mortgage loan A single family or 1-to-4 family unit residential real property After receiving the application MD. CODE ANN., REAL PROP. § (West 2012) No No Initial Disclosure MD to Rescind Before Written Application 4178 A mortgage loan A single family or 1-to-4 family unit residential real property At or before the time application is made. MD. CODE ANN., REAL PROP. § (West 2012) No No Initial Disclosure MD Broker Contract 4565 Mortgage loans An owner-occupied dwelling or residential real estate upon which a dwelling will be placed. Before undertaking to assist the borrower in obtaining a loan. MD. CODE ANN., COM. LAW §§ & (West 2012); MD. CODE REGS. & (2013) Yes Yes
Initial Disclosure Maryland DLLR Disclosure 13901, 13902, or 13903 (upon request) A mortgage loan either: (1) includes a balloon payment; (2) does not provide for the establishment of an escrow account; or (3) includes a mandatory binding arbitration clause An owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructed Within business days after application is completed and not less than 72 hours before the time of settlement MD. CODE REGS. (2013) No No Initial Disclosure MD Net Tangible Benefit Worksheet 13909 A mortgage loan, which is a refinance. Owner-occupied residential real estate which contains a dwelling. Not specified MD. CODE REGS. & (2013) Yes, if using net tangible benefit No Adverse Action Notice of Action Taken (Federal) Credit Not specified Within 30 days after receipt of a completed application for credit MD. CODE ANN., COM. LAW §§ , , , & (West 2012) No No Initial Disclosure and Closing Copy of Appraisal Report 6 (Federal) Not specified. A loan transaction Either: (1) residential real property; or (2) residential real estate upon which an owner-occupied dwelling is or will be located Not specified MD. CODE ANN., REAL PROP. § (West 2012); MD. CODE REGS. (2013) No No
Initial Disclosure and Closing Truth-in-Lending Disclosure or Initial Truth-in-Lending Disclosure 18 (Federal) or 1591 (Federal) Either: (1) a loan under Subtitle 1, Title 12 of Maryland’s Commercial Law (Md. Code Ann., Com. Law §§ 12-101 et seq.); (2) a loan under the Maryland Consumer Loan Law – Credit Provisions (Md. Code Ann., Com. Law §§ 12-301 et seq.); (3) a mortgage loan; (4) a revolving credit plan; or (5) a loan credit) A dwelling or residential real estate on which a dwelling will be located, which is owner-occupied Before execution of a loan contract MD. CODE ANN., COM. LAW §§ , , , , & (West 2012) No No Initial Disclosure and Closing Closing Attorneys Fee Certification 3513 (upon request) Any loan secured by a mortgage or deed of trust A borrower’s primary residence At or prior to settlement MD. CODE ANN., COM. LAW § (West 2012) No No Initial Disclosure and Closing Good Faith Estimate and HUD-1 (Federal) & 14222 (Federal) A mortgage loan A dwelling or residential real estate on which a owner-occupied dwelling is (or is intended to be) constructed Various MD. CODE REGS. § (2013) No No
Initial and Closing MD Tax Property Affidavit 15803 A mortgage or deed of trust, which is a refinance loan Real property which is the principal residence of the original mortgagor At closing or recording MD. CODE ANN., TAX-PROP. § (West 2012) Yes No Closing Affidavits of Consideration and Disbursement on MD Deed of Trust, MD Deed of Trust FHA, and MD Deed of Trust Second On 329, 382, and 487 A mortgage or deed of including a purchase-money mortgage, but excluding a security instrument wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § (West 2012) Land On the security instrument MD. CODE ANN., REAL PROP. § (West 2012) No Yes Closing Provision of Attorney and Fees in MD Deed of Trust, MD Deed of Trust Second, MD Deed of Trust FHA, and HELOC Agreement – MD On 329, 382, 487 and 3035 Either: (1) a revolving credit plan; or (2) a loan (closed-end credit) Not specified At closing MD. CODE ANN., COM. LAW §§ & (West 2012) No No Closing MD First Time Home Buyer Affidavit 3539 Not specified, but practically a loan in which the property is conveyed residential real property At recording MD. CODE ANN., TAX-PROP. §§ , , & (West 2012) Yes No Closing MD Licensee Information or Affidavit 13984 A mortgage loan Residential property, improved by 1-to-4 single family dwelling units When the security instrument is recorded MD. CODE ANN., REAL PROP. § (West 2012); MD. CODE REGS. & (2013) No Yes
Closing MD Written Acknowledgement of Delivery of the Note 16099 Either: (1) a plan (aka a revolving credit plan); or (2) a loan (closed end credit) Not specified No later than the time of consummation MD. CODE ANN., COM. LAW. §§ & (West 2012) Yes No Closing MD Delivery of Net Proceeds Authorization 16100 (upon request) A purchase-money mortgage or deed of trust, except one wherein it is lawful to charge any rate of interest under Md. Code Ann., Com. Law § 12-103(e) (West 2012) Land Before delivering not proceeds, deducting charges, interest, expenses, or advancing escrow and charges due from the borrower MD. CODE ANN., REAL PROP. § (West 2012) Yes Yes Closing MD Property Tax Installment Direction 17045 (upon request) Not specified, but practically a purchase loan Owner-occupied residential property, or business property in connection to which total taxes do not exceed $100,000 Not specified MD. CODE ANN., TAX-PROP. § (West 2012) No No
Massachusetts (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure MA Certification and Indemnification Agreement 1024 Not specified, but practically a purchase 1-to-5 family dwellings for residential purposes Not specified MASS. GEN. LAWS ANN. ch. 148, §§ & (West 2013); 946 MASS. CODE REGS. (2013) No No Initial Disclosure Initial Disclosure and Good Faith Estimate 01-01-10 1591 and 14221 (both Federal) A mortgage loan Residential property, consisting of a dwelling house with accommodations for four or fewer separate households that is obligor Not specified 940 MASS. CODE REGS. (2013) No No Initial Disclosure Section 32 Mortgage Loan Disclosure 2790 (Federal) A high cost home loan A consumer’s principal dwelling Not specified 209 MASS. CODE REGS. (2013) No No
Initial Disclosure MA Addendum to Uniform Residential Loan Application 3573 Either: (1) a mortgage loan; or (2) a residential mortgage loan Either: (1) 1-to-4 family residential property; or (2) residential property, consisting a 1-to-4 unit dwelling house, occupied by the obligor At application MASS. GEN. LAWS ANN. ch. 184, § (West 2013); 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform Residential Loan Application 3742 and on 4193 (latter FNMA) A high home loan A consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property. On the application (4193) or within 24 after determining that the loan is a high cost home loan (3742). 209 MASS. CODE REGS. & (2013) No No Initial Disclosure MA High Cost Loan Insurance Disclosure 3745 A high cost home loan A consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real property At least 3 business days before the loan is closed 209 MASS. CODE REGS. (2013) Yes Yes Initial Disclosure MA High Cost Loan Payment Disclosure 3746 A high cost home loan A consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property. At or before application or within 24 hours after determining that the loan is a high cost home loan. 209 MASS. CODE REGS. & (2013) No No
Initial Disclosure Anti Coercion Insurance 3750 Either: (1) a loan of money; (2) a loan of money or extension of credit; (3) a mortgage loan; or (4) an extension of credit Either: (1) real property; (2) property; (3) property which is the subject of the mortgage; or (4) not specified At the time the customer applies for an extension of credit MASS. GEN. LAWS ANN. ch. 175, § ; ch. 176D, § ; & ch. 183, § (West 2013); 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA Mortgage Review Board Notice 3852 A residential mortgage loan Residential property of 1-to-4 units and occupied by the mortgagor (in whole or in part) At the time of denial MASS. GEN. LAWS ANN. ch. 167, § (West 2013) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon is (or is intended to be) constructed a dwelling On the application MASS. GEN. LAWS ANN. ch. 255F, § (West 2013); 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA Loan Origination and Compensation Agreement 5112 A mortgage loan Residential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part) At the time of application 209 MASS. CODE REGS. & (2013) Yes Yes
Initial Disclosure MA Borrower’s Interest Worksheet 5771 A home loan which refinances another home loan within 60 months prior to application Real estate improved with a 1-to-4 family dwelling, by the borrower No later than closing MASS. GEN. LAWS ANN. ch. 183, § (West 2013); 209 MASS. CODE REGS. , , & (2013) No No Initial Disclosure MA No Doc/Limited Doc Disclosure 13093 A “no documentation” mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of credit Residential property, consisting of a dwelling house with accommodations for 1-to-4 separate households that is (or is intended to be) occupied by the obligor (either in whole or in part) In advance of the closing 940 MASS. CODE REGS. (2013) Yes No Initial Disclosure MA Counseling Disclosure 13391 An adjustable-rate subprime loan Owner-occupied, family residential property At or before closing MASS. GEN. LAWS ANN. ch. 184, § (West 2013); Division of Banks Regulatory Bulletion (2012) Yes No
Initial Disclosure MA Mortgage Loan Rate Lock Commitment 13544 or 14521 (upon request) A mortgage loan Residential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part) Prior to taking a rate lock commitment fee, or otherwise offering or entering into a lock commitment 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA High Cost Home Loan Disclosure 14937 A high cost home loan A consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real property Not specified 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA Addendum to Statement of Credit Denial, Termination, or Change On 15858 (Federal) Either: (1) credit; or (2) a residential mortgage loan Residential real property of 1- to-4 separate households occupied (or to be occupied) by the applicant (in whole or in part) Within 10 business days of deciding to take adverse action MASS. GEN. LAWS ANN. ch. 93, § ; ch. 183, § (West 2013) No No Initial Disclosure or Closing State Act Disclosures Complied with by Federal Act Disclosures 18, 1591, 8204, 15444, and other TILA Disclosures Various, but primarily a consumer credit transaction Various, but primarily a dwelling, which is a residential structure or mobile home containing 1-to-4 family housing units, or individual units of condos or co-ops Various MASS. GEN. LAWS ANN. ch. 140D, §§ (West 2013); 209 MASS. CODE REGS. (2013) No No
Closing MI Request to Rescind Principal Residence Exemption (PRE) 997 Not specified, but practically a purchase transaction The seller’s principal residence Not more than 90 days after exempted property is no longer used as a principal residence by the seller MICH. COMP. LAWS ANN. § (West 2012) Yes, when being filed No Closing MI Addendum to Mortgage-Homestead and Dower Waiver 7786 (upon request) A mortgage to secure the payment of purchase Either: (1) land; or (2) a homestead Not specified, but practically at or by closing MICH. COMP. LAWS ANN. § & (West 2012) No No Closing HUD 01-01-10 (Federal) A loan Not specified Upon closing of the loan MICH. COMP. LAWS ANN. § (West 2012) No No Minnesota (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure MN Prepayment Disclosure at Application 1892 A residential mortgage loan that contains a prepayment penalty Residential real property, improved (or intended to be improved) by a structure of 1-to-4 family Within 5 days after borrower requests the loan MINN. STAT. ANN. § (West 2013) No No Initial Disclosure MN Originator Non-agency Disclosure 1901 A residential mortgage loan Residential real property, improved (or intended to be improved) by a structure of 1-to-4 family units Within 3 business days of accepting an application. MINN. STAT. ANN. § (West 2013) Yes No Initial Disclosure MN Residential Mortgage Originator Contract 1907 A lien on residential real estate Residential real property, improved (or intended to be improved) by a structure of 1-to-4 family units When soliciting or receiving an advance fee for assisting in finding a loan, or offers to act as an agent of the borrower. MINN. STAT. ANN. § (West 2013) Yes Yes Initial Disclosure MN Private Mortgage Insurance Disclosure 2530 A residential mortgage loan Residential real property, include Annually. Must be given with respect to each future residential mortgage loan MINN. STAT. ANN. § (West 2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 3750 A loan of money secured by real property Property, including real property Not specified MINN. STAT. ANN. §§ , , & (West 2013) No No
Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential real estate upon a dwelling is (or is intended to be) constructed On the application MINN. STAT. ANN. § (West 2013) No No Initial Disclosure MN Homestead Disclosure 4303 An open-end loan A homestead At the time of the execution of the contract surrendering the homestead exemption. MINN. STAT. ANN. § (West 2013) Yes No Initial Disclosure Tangible Net Benefit Worksheet 12531 (upon request) A residential mortgage loan which refinances a residential mortgage loan Residential real property, improved (or intended to be improved) by a structure of 1-to-4 family units Not specified MINN. STAT. ANN. § (West 2013) No No Closing Truth-in-Lending Disclosure 18 (Federal) A loan Not specified At the time any loan is made MINN. STAT. ANN. § (West 2013) No No Closing Purchase Money Caption on MN Mortgage and MN Mortgage FHA 332 or 385 A purchase-money mortgage Either: (1) a homestead; or (2) real property On the mortgage MINN. STAT. ANN. §§ & (West 2013) No No
Closing MN Well Disclosure Statement 14301 (upon request) Not specified, but practically a purchase loan Real property, excluding individual condominium units At the time of closing MINN. STAT. ANN. § (West 2013) Yes No Closing Addendum to the Mortgage – Request for Notice 7787 A mortgage Real property Not specified MINN. STAT. ANN. § (West 2013) No No
Mississippi (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan of money Real property Not specified MISS. CODE ANN. § (West 2012) No No Initial Disclosure Mississippi Mortgage Origination Agreement/Fee Disclosure Agreement 3315 A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon will be a dwelling Not specified, but practically before performing any origination services MISS. CODE ANN. § (West 2012) Yes Yes Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwelling On the application MISS. CODE ANN. §§ & (West 2012) No No Initial Disclosure Good Faith Estimate 01-01-10 14221 (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon will be a dwelling Not specified, but practically no later than 3 business days after receipt of an application MISS. CODE ANN. § (West 2012) No No Initial Disclosure MS Lock-in Agreement 16587 A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which will be a dwelling Before collecting a lock-in fee MISS. CODE ANN. §§ & (West 2012); 5-2 MISS. CODE R. § (2013) Yes Yes
Initial Disclosure and Closing TILA Disclosures 18, 1531, and other TILA Disclosures (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Various times MISS. CODE ANN. § (West 2012) Yes(?) No Closing HUD-1 01-01-10 14222 (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not specified, but practically at closing MISS. CODE ANN. § (West 2012) Yes No
Missouri (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A credit extension, including a residential mortgage Real property, including residential property Not specified, but practically before closing MO. ANN. STAT. § (West 2012) No No Initial Disclosure Advanced Fee/Application Disclosure 2783 A loan, presumably a residential real estate loan, which generally excludes refinances Residential real estate, consisting of 1-to-4 family units Upon receipt of a written application MO. ANN. STAT. § (West 2012) No No Initial Disclosure MO Loan Brokerage Disclosure Statement and Agreement 3328 A residential mortgage loan A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILA Not specified MO. ANN. STAT. § (West 2012) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILA On the application MO. ANN. STAT. § (West 2012) No No
Initial Disclosure MO Lock-in Agreement 16677 A residential mortgage loan A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILA Not specified, but practically before a rate-lock fee is collected MO. CODE REGS. ANN. tit. 20, § (2013) No No Adverse Action Statement of Credit Denial, Termination, or Change 15858 (Federal) A loan, presumably a residential real estate loan, which generally excludes refinances Residential real estate, consisting of 1-to-4 family After rejection of a loan application MO. ANN. STAT. § (West 2012) No No Closing 3200 Note MO Deed of Trust, MO Deed of Trust Second, and MO Addendum to the Note-Oral Agreement 5, 333, 491, 1056, and 7789 (upon request) A credit agreement, which is a lending or forbearance of the repayment of money, extension of credit, or other financial accommodation Not specified Not specified, but practically at closing MO. ANN. STAT. § (West 2012) No No Closing MO Deed of Trust or MO Deed of Trust Second 333 or 491 A credit transaction in which collateral insurance is obtained Not specified Not specified, but practically at closing MO. ANN. STAT. § (West 2012) Yes Yes Closing Assignment, Sale, or Transfer of Servicing 21 (Federal) A residential mortgage (aka a residential mortgage loan) A dwelling or residential real estate upon is (or is intended to be) constructed a dwelling, as defined by TILA When the servicing of a residential mortgage is transferred or sold MO. ANN. STAT. § (West 2012) No No
Closing MO Collateral Protection Insurance Disclosure 1005 A credit transaction in which collateral insurance is obtained Not specified At the time the credit agreement is entered MO. ANN. STAT. § (West 2012) No No Closing Married Wife Notice in Acknowledgment 7790 (upon request) An instrument Not specified Not specified, but practically at closing MO. ANN. STAT. § (West 2012) No No Montana (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A credit extension Real property Not specified, but practically before closing MONT. CODE ANN. § (West 2013) No No
Initial Disclosure MT Mortgage Loan Origination Disclosure 2776 A mortgage loan (aka a residential mortgage loan) A dwelling or residential real estate upon is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4]) Within 3 business days of taking an application MONT. CODE ANN. § (West 2013); MONT. ADMIN. R. (2012) Yes No Initial Disclosure MT Mortgage Loan Rate Lock Commitment 14844 A mortgage loan (aka a residential mortgage loan) A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4]) Not specified, but practically before an interest rate lock-in fee is charged MONT. CODE ANN. § (West 2013) Yes Yes Initial Disclosure MT Loan Commitment 15517 A mortgage loan (aka a residential mortgage loan) A dwelling or residential real estate upon which is either constructed a dwelling or is intended to be constructed a dwelling within 2 years (subject to 24 CFR § 3500.5[b][4]) After approval of the loan application, but before a commitment fee is charged MONT. CODE ANN. § (West 2013) Yes Yes Closing MT Ack Real Prop is not exempt 1412 Not specified A homestead, consisting of a dwelling house or mobile home At closing MONT. CODE ANN. §§ , & (West 2013) Yes No
Nebraska (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan of extension of credit, or renewal of an extension of credit Not specified Not specified NEB. REV. STAT. ANN. § (West 2012) No No Initial Disclosure NE Loan Broker Disclosure Statement 3444 A loan of money Not specified At least 48 hours before a borrower signs a brokerage agreement. NEB. REV. STAT. ANN. § (West 2012) No No Initial Disclosure, Processing, Underwriting, Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A 1-to-4 unit dwelling or residential real estate upon is (or will be constructed) a dwelling On the application NEB. REV. STAT. ANN. § (West 2012) No No Initial Disclosure NE Construction Loan Notice 4669 A financing of the construction of improvements on real property Real property Before the disbursement of any proceeds under the loan. NEB. REV. STAT. ANN. § (West 2012) No No
Nevada (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure NV Notice and Waiver 2772 A loan is made simultaneously with the purchase of all or part of the real property Real property Before the disbursement of loan proceeds or the issuance of the borrower’s title policy. NEV. REV. STAT. ANN. § (West 2011) Yes No Initial Disclosure Advanced Fee/Application Disclosure 2783 A loan secured by a lien on real property Real property Before accepting any advance fees NEV. REV. STAT. ANN. §§ & (West 2011) Yes No
Initial Disclosure NV Reasonable Means Disclosure A home loan, including a low-document, or home loan, and a consumer credit transaction subject to HOEPA (15 USCA § 1602[aa]) and regulations adopted pursuant thereto (12 CFR § 226.32) Real property Not specified NEV. REV. STAT. ANN. § (West 2011); Mortgage Lending Division Letter 2007-2, Yes Yes Initial Disclosure NV Acknowledgement of Dual Capacity 13030 A loan secured by a lien on real property Real property At the time of application NEV. ADMIN. CODE § & ; NV Reg. LCB File No. Yes Yes Initial Disclosure NV Mortgage Broker Compensation Disclosure 14279 A loan secured by a lien on real property Real property At any time prior to consummation NEV. REV. STAT. ANN. § (West 2011); AB 513 Guidance Letter, Yes Yes Closing HOEPA Loan Legend on NV Deed of Trust or NV Deed of Trust Second 342 or 500 A home loan subject to provisions of § 152 of the Home Ownership and Equity Protection Act of 1994 (15 USCA § 1602[aa]) and regulations made pursuant thereto (12 CFR § 226.32) Real property On the security instrument NEV. REV. STAT. ANN. § (West 2011) No No Closing NV Affirmation Regarding SSN 11545 Not specified Not specified Not specified NEV. REV. STAT. ANN. § (West 2011) No No
Initial Disclosure Addendum to Loan Application Not specified Not specified Not specified NEV. REV. STAT. ANN. § (West 2011) No No New Hampshire (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance 3750 A purchase of real or personal property or a lending of on the security of real or personal property Real or personal property Not specified N.H. REV. STAT. ANN. § (2013) No No
Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unit On the application N.H. REV. STAT. ANN. § (2013) No No Initial Disclosure Addendum to Loan Application Not specified Not specified Not specified N.H. REV. STAT. ANN. § (2013) No No Initial Disclosure Advanced Fee/Application Disclosure and Good Faith Estimate 01-01-10 2783 & 14221 (Federal) A mortgage loan A dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unit Within 3 days of receipt of the loan application N.H. REV. STAT. ANN. § (2013) No No Initial Disclosure NH Disclosure of Payment Application 15935 (upon request) A mortgage loan A dwelling, real property, or residential real estate, of or upon any of which is a 1-to-4 family housing unit At the time the loan application is N.H. REV. STAT. ANN. § (2013) No No Adverse Action Statement of Credit, Denial, Termination or Change 15858 (Federal) Credit for personal, family, or household purposes Not specified When credit or insurance is denied or the charge for credit or insurance is increased N.H. REV. STAT. ANN. § (2013) No No Closing Finance Change Statement in Disclosure On 18 Credit, including a residential mortgage and a consumer credit transaction Not specified Concurrently with consummation N.H. REV. STAT. ANN. §§ & (2013) No No
New Jersey (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure NJ Authorization of Overnight Delivery Services 1030 A mortgage loan, secured by a first mortgage on real property and which has a closed-end Real property on which there are 1-to-4 dwelling units Before delivery fees are charged. N.J. ADMIN. CODE (2013) Yes No Initial Disclosure NJ Initial Tax Authorization Notice 1507 A mortgage loan Either: (1) real property on which there is (or will be) erected a 1-to-6 dwelling structure; or (2) land, including real property When a mortgage escrow account is sold, assigned, or transferred to a purchasing servicing organization N.J. STAT. ANN. §§ , , & (West 2013); N.J. ADMIN. CODE (2013) Yes Yes Initial Disclosure Advanced Fee/Application Disclosure 2783 A mortgage loan, secured by a first mortgage on real property and which has a closed-end Real property on which there are 1-to-4 dwelling units Before accepting application and third party fees. N.J. ADMIN. CODE (2013) Yes No Initial Disclosure NJ Choice of Insurer Notice 3850 A mortgage loan Property securing a mortgage loan Not specified N.J. STAT. ANN. § (West 2013) No No Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling On the application N.J. STAT. ANN. § (West 2013) No No
Initial Disclosure NJ Notice to Borrower 4440 A high-cost home loan A 1-to-6 family dwelling which is (or will be) occupied by a borrower as a principal dwelling At 3 business days prior to consummation. N.J. STAT. ANN. § (West 2013) Yes No Initial Disclosure NJ Commitment Letter 4479 Either: (1) a loan; or (2) a mortgage loan, secured by a mortgage on real property and which has a closed-end Either: (1) real property; or (2) real property on which there are 1-to-4 dwelling units Not specified N.J. STAT. ANN. § (West 2013); N.J. ADMIN. CODE & (2013) Yes Yes Initial Disclosure NJ Rate Lock – In Agreement 4480 A mortgage loan, secured by a first mortgage on real property and which has a closed-end Real property on which there are 1-to-4 dwelling units Not specified, but practically more than 3 days before closing N.J. ADMIN. CODE & (2013) Yes Yes Initial Disclosure NJ Right to Choose Own Attorney 5097 Either: (1) a loan; or (2) a secondary mortgage loan Either: (1) real property; or (2) residential real estate, upon which is (or is intended to be) constructed a 1-to-4 family dwelling (as defined in Section 103[v] of TILA) Before borrower accepts a written by the lender to make a loan N.J. STAT. ANN. § (West 2013); N.J. ADMIN. CODE (2013) No No Initial Disclosure NJ Addendum to Loan Application 11886 Not specified Not specified Not specified N.J. STAT. ANN. §§ & (West 2013) No No Closing NJ Private Well Test Results 4441 Every contract of sale of real property (i.e. a purchase loan) Real property At closing N.J. STAT. ANN. § (West 2013) Yes No
Initial Disclosure Good Faith Estimate 01-01-10 and NJ Disclosure Form 14221 (Federal) & 15059 A mortgage loan, secured by a first mortgage on real property and which has a closed-end Real property on which there are 1-to-4 dwelling units Within 3 business days after receiving the borrower’s application or before closing, whichever is earlier N.J. ADMIN. CODE & (2013) No No
New Mexico (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure and TILA Redisclosure Mortgage Loan Summary on Good Faith Estimate and Initial Truth-In-Lending Disclosure 1591 (Federal) Either: (1) a mortgage loan; or (2) a residential mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) constructed a dwelling At least 2 days prior to closing. N.M. STAT. ANN. §§ , , & (West 2012); N.M. CODE R. & (2013) No No Initial Disclosure NM High-Cost Home Loan Notice to Borrower 2747 A high-cost home loan Real estate upon which there is (or will be) located a 1-to-4 family, borrower-occupied structure At 3 business days prior to consummation N.M. STAT. ANN. § (West 2012) Yes No Initial Disclosure Advanced Fee/Application Disclosure 2783 A mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or will be) a dwelling Not specified N.M. CODE R. (2013) Yes Yes Initial Disclosure NM Freedom to Choose Insurance Company 2794 A loan of secured by real or personal property Real or personal property Not specified. N.M. STAT. ANN. § (West 2012); N.M. CODE R. (2013) Yes No Initial Disclosure NM Authorization for Lender to Obtain Insurance 2795 A loan Real or personal property After signing Cx2794 N.M. CODE R. (2013) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A 1-ot-4 unit dwelling or residential real estate upon which is (or will be) a dwelling On the application N.M. STAT. ANN. § (West 2012) No No Initial Disclosure NM Attorney Preference 8809 A home loan Real estate upon which there is (or will be) a family, structure Not specified N.M. STAT. ANN. § (West 2012) No No
Initial Disclosure Tangible Net Benefit Worksheet 12531 (upon request) A home loan which refinances another home loan Real estate upon there is (or will be) a family, structure Not specified N.M. STAT. ANN. § (West 2012) No No Initial Disclosure Mortgage Loan Company Compensation on Initial Disclosure and Good Faith Estimate 01-01-10 1591 (Federal) & (Federal) Either: (1) a mortgage loan; or (2) a residential mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwelling At least 2 days prior to closing. N.M. STAT. ANN. §§ and (West 2012); N.M. CODE R. & (2013) No No Initial Disclosure NM Rate Lock Disclosure 14305 or 14725 (upon request) A mortgage loan A 1-to-4 unit dwelling or residential real estate upon which is (or is intended to be) construction a dwelling Not specified N.M. STAT. ANN. § (West 2012); N.M. CODE R. (2013) Yes Yes New York (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure NY Lock-in Expiration Notice 1569 A mortgage loan Residential real property, improved by a family, dwelling Not less than 12 business days nor more than 20 business days prior to the commitment expiration. N.Y. BANKING LAW § (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Insurance Disclosure 1572 A mortgage loan Residential real property, improved by a family, owner-occupied dwelling At the time of commitment, or if no commitment, at the time of application. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Interest Rate Disclosure 3572 Either: (1) a loan secured by real property used for residential purposes; or (2) a mortgage loan Either: (1) real property used for residential purposes; or (2) Residential real property, improved by a family, owner-occupied dwelling At application N.Y. BANKING LAW § (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Pre-Application Disclosure and Fee Agreement for Licensed Brokers 3587 A mortgage loan Residential real property, improved by a family, owner-occupied dwelling Prior to taking an application or collecting an application, credit report, or property appraisal fee N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No
Initial Disclosure NY Interest Rate Lock Commitment 3588 A mortgage loan, used to purchase a dwelling or in which a commitment fee or points are paid to the lender Residential real property, improved by a family, dwelling At the time of commitment and prior to the acceptance of a commitment fee or points. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY High Cost Loan Disclosure 3650 A high cost home loan Real estate upon which there is (or will be) located a 1-to-4 family, structure At or prior to taking an application N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY High Cost Loan Insurance Disclosure 3673 A high cost home loan Real estate upon which there is (or will be) located a 1-to-4 family, structure At least 10 business days before the loan is closed. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) Yes Yes Initial Disclosure NY High Cost Loan Counseling Disclosure 3674 A high cost home loan Real estate improved by a family, structure At the time of application N.Y. BANKING LAW § (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No occupied
Initial Disclosure NY Prevailing Interest Rate Commitment 3710 A mortgage loan Residential real property, consisting of real property improved by a family, owner-occupied dwelling to acceptance of a commitment fee, points, or other discounts N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Balloon Payment Disclosure 4168 Either: (1) a mortgage loan, consisting of a term of 3 years or more, which is a junior mortgage with an outstanding balance of $250,000 or less (including all lien balances); or (2) a balloon-payment mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rate Real property improved by a family, owner-occupied residence to accepting an application N.Y. COMP. R. & REGS. tit. 3, §§ and (2013) No No
Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in Section 1203[v] of TILA), or residential real property, which is improved by a family residence On the application N.Y. BANKING LAW § (McKinney 2013) No No Initial Disclosure NY Lock In Agreement 5099 A mortgage loan Residential real property, consisting of real property improved by a family, owner-occupied dwelling to taking any points or a lock-in fee N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) Yes Yes Initial Disclosure NY Pre-Application Disclosure for Licensed Bankers 5100 A mortgage loan Residential real property, consisting of real property improved by a family, owner-occupied dwelling Prior to taking an application or collecting an application, credit report, or appraisal fee N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No
Initial Disclosure NY Application Disclosure 9710 A mortgage loan, used to finance the purchase of a dwelling, or in connection therewith commitment fees or points are paid prior to closing Residential real property, consisting of real property improved by a family, owner-occupied dwelling Prior to the taking of an application, application fee, credit report fee, or property appraisal fee N.Y. COMP. CODES R. & REGS. tit 3, § (2013) No No Initial Disclosure NY Consumer Caution Notice 12865 A high cost home loan Real estate improved by a family, structure Within 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing. N.Y. BANKING LAW § (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Notice to Borrower 12870 A high cost home loan Real estate upon is (or will be) a 1-to-4 family, structure At application or, if application is made by telephone, within 3 days determining the loan is a high-cost home loan, but no less than 10 days before closing. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure Good Faith Estimate 01-01-10 14221 A home loan Not specified Within 3 days receipt of application. N.Y. BANKING LAW § (McKinney 2013) No No Initial Disclosure NY Subprime Loan Counseling Disclosure 14482 A subprime home loan Real estate improved by a family, owner-occupied dwelling At the time of application. N.Y. BANKING LAW § (McKinney 2013) No No
Initial Disclosure NY FHA Mortgage Loan Correspondent Disclosure A mortgage loan Residential real property, improved by a family, owner-occupied dwelling to accepting an application, application fee, credit report fee, or property appraisal fee N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure and Closing Credit Score Disclosure – B-3/H-3 15312 (Federal) A mortgage loan Real property Not specified, but practically after approving a loan with materially less favorable terms than normal N.Y. BANKING LAW § (McKinney 2013) No No Initial Disclosure NY Notice of Right to Select Attorney 15665 (upon request) A mortgage loan Residential real property, improved by a family, dwelling Not specified N.Y. COMP. R. & REGS. tit. 3, § (2013) No No Initial Disclosure High Cost Tangible Net Benefit Worksheet 15773 (upon request) A high cost home loan Real estate upon which there is (or will be) a 1-to-4 family, structure Not specified N.Y. COMP. R. & REGS. tit. 3, § (2013) No No Adverse Action Statement of Credit Denial, Termination or Charge (Federal) Either: (1) a mortgage loan; or (2) credit Real property Not specified N.Y. BANKING LAW § ; N.Y. EXEC. LAW § (McKinney 2013) No No occupied occupied
Initial Disclosure NY Dual Capacity Disclosure 16585 A mortgage loan Residential real property, improved by a family, owner-occupied dwelling At the first substantive contact between the broker and the borrower. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) Yes No Initial Disclosure NY Non-Purchase Residential Mortgage Loan Disclosure 17012 (upon request) A mortgage loan, the proceeds of are not for purchasing or construction purposes and in connection therewith no commitment fees or points are paid to the lender prior to closing Residential real property, improved by a family, owner-occupied dwelling At loan approval N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure and Closing Copy of Appraisal Report Notice 6 (Federal) A loan or forbearance secured primarily by an interest in real property Real property Not specified N.Y. REAL PROP. LAW § (McKinney 2013) No No Initial Disclosure and Closing Various TILA Disclosures 18, 1591, and other TILA Disclosures A mortgage loan, which is a primary lien, which has a principal amount of less than $250,000, and which has an adjustable interest rate Real property, consisting of family residences occupied by the Prior to accepting an application for a loan N.Y. COMP. CODES R. & REGS. tit. 3, §§ & (2013) No No Initial Disclosure and Closing NY Fair Credit Reporting Act Disclosure 3576 An extension of credit Not specified Before a person requests a consumer report. N.Y. GEN. BUS. LAW§ (McKinney 2013) No No
Initial Disclosure Junior Lien Disclosure 5283 A junior mortgage loan of $250,000 or less (combined with all outstanding balances), including a revolving credit line, in an amount of $2,500 or more Real property improved by a family residence Prior to accepting an application. N.Y. COMP. CODES R. & REGS. tit. 3, §§ & (2013) No No Closing Subprime or Home Loan Legend on NY Mortgages On 343, 396, 501, 16198, 16245 A high-cost home loan or a subprime home loan Real estate improved by a unit family dwelling used as the borrower’s principal dwelling On the mortgage N.Y. BANKING LAW §§ & (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Closing Fixed Rate Note New York Second On 1066 A junior mortgage loan Residential real property, consisting of real property improved by a family On the note N.Y. BANKING LAW § (McKinney 2013) No No Closing NY Smoke Alarm Affidavit 1419 A conveyance (i.e. a purchase loan) Real property containing a family dwelling or condo unit used as a residence Grantor provides at the time of conveyance N.Y. EXEC. LAW § (McKinney 2013) No No Closing NY Consolidation, Extension and Modification Agreement 1583 A refinance mortgage (sometimes a purchase money mortgage) Real property At closing N.Y. Tax Law §§ (McKinney 2013); , B8-2-02 No No
North Carolina (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? N.C. GEN. STAT. ANN Initial Disclosure NC Notice of Information 1271 A home loan, which is a first lien loan with a principal amount of less than $300,000 Real estate upon which there is located 1-to-4 family dwellings or dwelling units Not later than closing or 3 business days after receiving an application, whichever is earlier. N.C. GEN. STAT. ANN. § (West 2013) No No Closing NC Tangible Net Benefit Worksheet 2031 A consumer home loan which refinances another consumer home loan Real estate with units which is the borrower’s principal dwelling Not specified N.C. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan for the purchase of property or a loan of money on the security of a security instrument on the property Real or personal property Not specified N.C. GEN. STAT. ANN. §§ , , & (West 2013) No No Initial Disclosure Right to Choose Attorney 3846 A high-cost home loan A manufactured home or real estate with 1-to-4 dwelling units occupied as the borrower’s principal dwelling Not specified N.C. GEN. STAT. ANN. § (West 2013) No No
Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling, consisting of 1-to-4 or residential real estate upon which is (or is intended to be) a dwelling On the application N.C. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure NC Acknowledgement of Fixed Rate Loan Terms and Costs 13327 A residential mortgage loan, which is also a rate spread adjustable rate loan A dwelling, consisting of 1-to-4 units, or residential real estate upon which is (or is intended to be) a dwelling Not specified, bet practically before brokering a rate spread adjustable rate loan. N.C. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure and Processing NC Fee Information From Your Mortgage Broker 15944 (upon request) A residential mortgage loan A dwelling, consisting of 1-to-4 or residential real estate upon which is (or is intended to be) a dwelling In a timely manner N.C. GEN. STAT. ANN. § (West 2013) No No Initial Disclosure and Closing Copy of Appraisal Report Notice 6 (Federal) A loan secured by real property Real property Not specified N.C. GEN. STAT. ANN. § (West 2013) No No
Ohio (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A lending of extension of credit, renewal of an extension of credit, or a residential mortgage Residential and real property, including a mobile or manufactured home Not specified OHIO REV. CODE ANN. §§ & (West 2012) No No Initial Disclosure Section 32 Mortgage Loan Disclosure 2790 (Federal) A covered loan A consumer’s principal dwelling No less than 3 business days prior to consummation OHIO REV. CODE ANN. § (West 2012) Yes when original terms changed at initiation of borrower and new disclosures provided by telephone Yes when original changed at initiation of borrower and new disclosures provided by telephone Initial Disclosure OH Mortgage Loan Origination Disclosure 3472 A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Within 3 business days after taking an application OHIO REV. CODE ANN. §§ & (West 2012); OHIO ADMIN. CODE (2013) Yes Yes Initial Disclosure OH Affiliated Agreement Disclosure 3843 A real estate loan Real estate Not specified OHIO REV. CODE ANN. § (West 2012) No No
Initial Disclosure Ohio Notice of Change in Mortgage 12463 (upon request) A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not than 24 hours after the information in Cx3472 changes, or 24 hours before the loan is closed, whichever is earlier. OHIO REV. CODE ANN. §§ & (West 2013) No No Initial Disclosure Tangible Net Benefit Worksheet 12531 (upon request) A covered loan which refinances another covered loan within 1 year, excluding a residential mortgage transaction Property used as the consumer’s principal dwelling Not specified OHIO REV. CODE ANN. § (West 2012) No No Initial Disclosure OH Verification of Prepurchase Counseling and Acknowledgment of Risk Disclosure A covered loan, excluding a residential mortgage transaction Property used as the consumer’s principal dwelling Before consummation OHIO REV. CODE ANN. § (West 2012) Yes No Initial Disclosure OH Conflict of Interest Disclosure 13605 (upon request) A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Prior to furnishing or placing insurance OHIO REV. CODE ANN. § (West 2012) No No
Initial Disclosure Ohio Insurance Notice to Applicant (upon request) A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling At the time the loan is made OHIO ADMIN. CODE (2013) No No Initial Disclosure and Closing OH Homebuyers’ Protection Act 11195 A residential mortgage Real property containing (or which shall contain) 1-to-2 residential units At application, or within 5 days if application is not submitted in person. OHIO REV. CODE ANN. § (West 2012); OHIO ADMIN. CODE (2013) Yes No Initial Disclosure OH Escrow Account Disclosure 11205 A residential mortgage loan A dwelling (as defined in Section 103 of TILA) or residential real estate upon which is (or is intended to be) constructed a dwelling Not earlier than 3 business days nor than 24 hours before closing OHIO REV. CODE ANN. § (West 2012) No No Initial Disclosure and Closing OH Acknowledgement of Receipt of Home Mortgage Loan Informational Document 12447 A residential mortgage Real property containing (or which shall contain) 1-to-2 residential units At application, or within 5 business days if application is not submitted in person. OHIO REV. CODE ANN. § (West 2012); OHIO ADMIN. CODE & (2013) Yes No
Closing OH Optional Credit Insurance 16236 A loan or credit transaction, which is generally secured by a junior lien Not specified At the time the indebtedness is incurred OHIO REV. CODE ANN. § (West 2012); OHIO ADMIN. CODE & (2013) Yes No Oklahoma (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2788 Either: (1) a loan of money upon the security of real or personal property; or (2) a residential mortgage Real or personal property, including residential property Not specified OKLA. STAT. ANN. tit. 36, §§ & (West 2012) No No Initial Disclosure OK Insurance Notice to Obligor 3324 A Subsection 10 mortgage A consumer’s principal dwelling No later than the time of closing OKLA. STAT. ANN. tit. 14A, § (West 2012) Yes No
Initial Disclosure OK Subsection 10 Mortgage Loan Disclosure 3325 A Subsection 10 mortgage A consumer’s principal dwelling Not less than 3 business days prior to consummation. OKLA. STAT. ANN. tit. 14A, § (West 2012) No No Initial Disclosure OK Title Protection Notice 3851 A financing for the purchase of property (i.e. a purchase money mortgage) Real property which is either improved property or unimproved property which is purchased with a construction loan At the time of application OKLA. STAT. ANN. tit. 46, § (West 2012) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is (or is intended to be) constructed such a dwelling On the application OKLA. STAT. ANN. tit. 59, § (West 2012) No No Initial Disclosure Tangible Net Benefit Worksheet 15773 (upon request) A “Subsection 10” mortgage, which refinances a consumer loan in which the value of the collateral is substantial in relation to the loan amount and the finance charge exceeds 13% per year. A consumer’s principal dwelling Not specified OKLA. STAT. ANN. tit. 14A, § (West 2012) No No
Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan Property upon which is a 1-to-4 residential dwelling units On the application OR. REV. STAT. ANN. § (West 2012) No No Initial Disclosure OR Float or Lock Agreement 4297 Residential or single family loans Not specified Not specified OR. ADMIN. R. , , & (2013) Yes Yes Initial Disclosure OR Late Charge Notice 4679 A loan secured by residential real property Residential real property Prior to execution of the mortgage OR. REV. STAT. ANN. §§ & (West 2012) No No Initial Disclosure Addendum to Loan Application 13441 Not specified Not specified Not specified, but practically with the application OR. REV. STAT. ANN. § (West 2012) No No Initial Disclosure OR Conflict of Interest Disclosure 13604 (upon request) A mortgage loan Not specified Before negotiating loan terms. OR. ADMIN. R. (2013) No No Initial Disclosure, TILA Redisclosure, and Closing Itemization of Amount Financed 01-01-10 (Federal) A loan, which is subject to the Oregon Consumer Finance Act (a consumer finance loan) Real property At the time each loan is made OR. ADMIN. R. (2013) No No Initial Disclosure OR Spanish Good Faith Estimate, Spanish General Disclosure, & Spanish Disclosure 15656, 15657, & 15658 A residential mortgage transaction Property upon is a 1-to-4 residential dwelling units When soliciting or negotiating business with a borrower in Spanish OR. REV. STAT. ANN. § (West 2012) No No
Pennsylvania (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure and Closing PA Optional Insurance Notice 1027 A covered loan, which is a consumer credit mortgage loan of less than $100,000 A consumer’s principal dwelling Not later than the time of closing. 63 PA. CONS. STAT. ANN. § (West 2012) Yes No Initial Disclosure and TILA Redisclosure Property Insurance Consent on Disclosure On 1591 A mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate Not specified 7 PA. CONS. STAT. ANN. § (West 2012) Yes No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan Real or personal property Before or at application 18 PA. CONS. STAT. ANN. § (West 2012); 40 PA. CONS. STAT. ANN. § (West 2012) No No Initial Disclosure PA High Cost Loan Disclosure 3590 A covered loan, is a nonpurchase consumer credit mortgage loan of less than $100,000 A consumer’s principal dwelling At least 3 business days prior to consummation. 63 PA. CONS. STAT. ANN. § (West 2012) No No
Initial Disclosure and Closing All RESPA and TILA Disclosures 18, 1591, 14221, 14222, and many others A loan or extension of credit Not specified At various times 7 PA. CONS. STAT. ANN. § (West 2012) No No Closing HELOC Agreement – PA 1349 A loan or extension of credit Not specified Not specified, but practically before making the loan or extending credit 7 PA. CONS. STAT. ANN. § (West 2012) Yes Yes Rhode Island (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure RI Notice of Nonrefundability of Loan Fees 3575 A secured mortgage loan Real estate with dwelling houses of not more than 4 Not later than 3 business days after the application R.I. GEN. LAWS ANN. § (West 2012) No No
Initial Disclosure Anti-Coercion Insurance 3750 Either: (a) a mortgage; or (b) a loan or extension of credit Real or personal property Not specified R.I. GEN. LAWS ANN § & (West 2012) No No Initial Disclosure RI to Choose Title Agent/Attorney 3847 A mortgage loan, residential mortgage loan, or commercial mortgage loan Real estate Not specified R.I. GEN. LAWS ANN §§ & (West 2012) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon is (or Is intended to be) a dwelling On the application R.I. GEN. LAWS ANN § (West 2012) No No Initial Disclosure Enhanced Prepayment Penalty Disclosure, Rider, and Addendum 12389, 12387, 12388 A loan secured by a mortgage Real estate containing dwelling houses of not more than 4 dwelling In the mortgage note R.I. GEN. LAWS ANN § (West 2012) No No Adverse Action and Initial Disclosure RI Appraisal Fee Disclosure and Addendum to Statement of Credit Denial, Termination, or Change 5102 and 15905 (Federal) A mortgage loan Real estate Prior to receiving an appraisal fee. R.I. GEN. LAWS ANN § (West 2012) No No Initial Disclosure RI Addendum to Uniform Residential Loan Application 5103 A loan secured by an interest in real estate Real estate At application R.I. GEN. LAWS ANN § (West 2012) No No
Initial Disclosure RI Prohibited Acts of Lenders and Loan Brokers 11241 A home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence No later than 3 business days of application. R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. (2013) Yes Yes Initial Disclosure RI Tangible Net Benefit 11242 A home loan refinances a previous (home) loan which was consummated within the prior 60 months Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Prior to or upon consummation of the loan R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. , Form 3 (2013) Yes Yes Initial Disclosure RI High Cost Related Prohibited Acts of Lenders and Loan Brokers 11408 A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence No than 3 business days of application. R.I. GEN. LAWS ANN §§ through (West 2012); R.I. CODE R. , Form 2 (2013) Initial Disclosure RI Home Loan Protection Act Disclosure A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Upon determination that a high-cost home loan is being obtained. R.I. GEN. LAWS ANN. §§ through (West 2012); R.I. CODE R. , Form 5 (2013) Yes Yes Initial Disclosure RI Form 4 HLPA 12090 A high-cost home loan Real estate with a 1-to-4 family dwelling used as the borrower’s principal residence Upon determination that a high-cost home loan is being obtained R.I. GEN. LAWS ANN. §§ through (West 2012); R.I. CODE R. , Form 4 (2013) Yes Yes Adverse Action Statement of Credit Denial, Termination, or Change 15858 (Federal) Credit for personal, family, or household purposes Not specified Not specified R.I. GEN. LAWS ANN. § (West 2012) No No
Closing Homestead Waiver on all RI Mortgages and RI Waiver of Homestead On 348, 401, 506, 2465, and 15329 (upon request) Not specified, but practically a purchase loan A homestead to the extent of $500,000 Not specified R.I. GEN. LAWS ANN. § (West 2012); R.I. CODE R. 11-2-3:5(F) (2012) No No Closing RI Notification to Buyers of Withholding Tax Requirement 1028 A purchase loan Real property Not specified R.I. GEN. LAWS ANN. § (West 2012); R.I. CODE R. 60-1-140:1 (2012) No No Carolina (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A financing of the purchase of real property, a lending of money on the security of the real property, or a renewal and extension of a loan or mortgage Real property Not specified S.C. CODE ANN. § (2012) No No Initial Disclosure SC Mortgage Broker Fee Agreement for Financial Services 3525 Either: (1) a home loan; (2) a consumer home loan; or (2) a mortgage loan Either: (1) an owner-occupied, residential real estate containing a 1-to-4 family, owner-occupied structure; or (2) residential real property, consisting of one or more owner occupied dwellings Within 3 business days of receipt of an application S.C. CODE ANN. § , , , & (2012); S.C. CODE ANN. REGS. (2013) Yes No Initial Disclosure SC Attorney and Insurance Preference Disclosure 3848 A loan secured by a lien on real estate for a personal, family, or household purpose, excluding a consumer loan Real estate No later than 3 business days after application S.C. CODE ANN. § (2012) No No
Dakota (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan of upon the security of any property or the renewal or extension of any loan or mortgage Real property Not specified S.D. CODIFIED LAWS § (2012) No No
Tennessee (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Advanced Fee/Application Disclosure 2783 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwelling When a deposit is required in connection with an application TENN. CODE ANN. § (West 2012) Yes Yes Initial Disclosure Anti-Coercion Insurance Disclosure 2788 A loan of money or extension of credit Real estate Prior to a sale of insurance TENN. CODE ANN. § (West 2012) Yes Yes Initial Disclosure TN Insurance Disclosure 4167 The purchase or sale of a fee simple possessory interest Real property At or before the closing of settlement TENN. CODE ANN. § (West 2012) Yes No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwelling On the application TENN. CODE ANN. § (West 2012) No No
Initial Disclosure TN Lock-In Agreement A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwelling Not specified, but practically before a lock-in fee is charged TENN. COMP. R. & REGS. (2013) Yes, per Tenn. Code Ann. § (West 2012) Yes, per Tenn. Code Ann. § (West 2012) Closing High-Cost Home Loan Legend on 3200 Note Fixed and TN Deed of Trust 5 & 351 A high-cost home loan A 1-to-4 family structure that is or will be occupied by the borrower as his principal dwelling At closing TENN. CODE ANN. § (West 2012) No No Closing Assignment, Sale, or Transfer of Servicing 21 (Federal) A residential mortgage loan A dwelling (as defined in Section 103[v] of TILA) or residential real estate upon which is constructed or intended to be constructed a dwelling At least 10 calendar days before the first payment affected by the notice is due TENN. COMP. R. & REGS. (2013) No No
Texas (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required Lender’s Signature Required Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A loan or extension of credit Property Not specified TEX. INS. CODE ANN. § (West 2011) No No Initial Disclosure Advanced Fee/Application Disclosue 2783 A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Not specified TEX. FIN. CODE ANN. § (West 2011) No No Initial Disclosure TX Mortgage Banker Disclosure 2999 A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed At application TEX. FIN. CODE ANN. § (West 2011); 7 TEX. CODE § (2013) No No Initial Disclosure Disclosure of Multiple Roles in a Consumer Real Estate Transaction 3581 A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Before acting in a dual capacity TEX. FIN. CODE ANN. § (West 2011) Yes No
Initial Disclosure TX Important Notice to Home Loan Borrowers 3591 A home loan with an interest rate of 12% or more a year A manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residence At the time the GFE is given or, if RESPA does not apply to the loan, 3 business days after application. TEX. FIN. CODE ANN. § (West 2011) No No Initial Disclosure TX Notice Concerning Extensions of Credit - Spanish 3640 A 50(a)(6) equity loan A homestead 12 days before the loan is closed TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No Initial Disclosure TX Insurance Notice to Applicant 3715 A home loan A manufactured home or real property improved by a 1-to-4 family dwelling is used as the borrower’s principal residence Not later than 3 business days after receipt of application. TEX. FIN. CODE ANN. § (West 2011) No No Initial Disclosure TX Residential Mortgage Loan Originator Disclosure 3883 A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on a dwelling is constructed or intended to be constructed With an initial application TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE §§ & (2013) Yes Yes
Initial Disclosure TX Disclosure Statement Required for Residential Construction 4262 Third-party financing pursuant to a residential construction contract A 1-to-4 unit residence that is used or intended to be used as a dwelling by one of the owners Before the date of closing TEX. PROP. CODE ANN. §§ & (West 2011) Yes No Initial Disclosure TX Notice Concerning Extensions of Credit 4549 A 50(a)(6) equity loan A homestead 12 days before the loan is closed TEX. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No Initial Disclosure TX Complaint Notice 10735 (upon request) Not specified A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) Not specified A 1-to-4 family dwelling With each contract of a licensee TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE § (2013) No No Initial Disclosure Privacy Policy Notice 15182 (Federal) Not specified. A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) Not specified. A 1-to-4 family dwelling With any privacy notice required to be provided by Federal or Texas law TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE §§ & (2013) No No Initial Disclosure TX Mortgage Company Conditional Approval Letter (Form B) 16683 (upon request) A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Not specified, but practically when an application is approved on the basis of credit worthiness but not on collateral TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE § (2013) No Yes
Initial Disclosure TX Mortgage Banker Conditional Approval Letter (Form B) 16682 (upon request) A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Not specified, but practically when an application is approved on the basis of credit worthiness but not on collateral TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE § (2013) No Yes Initial Disclosure TX Mortgage Company Conditional Qualification Letter (Form A) 16685 (upon request) A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Not specified, but practically when a conditional qualification is established TEX. FIN. CODE ANN. § (West 2011); 7 TEX. CODE § (2013) No Yes Initial Disclosure TX Mortgage Banker Conditional Qualification Letter (Form A) 16684 (upon request) A residential mortgage loan A dwelling (as defined by Section 103[v] of TILA) or residential real estate on which a dwelling is constructed or intended to be constructed Not specified, but practically when a conditional qualification is established TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE § (2013) No Yes
Closing Truth-in-Lending Disclosure and Total Payments Itemization On 18 15444 A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) A 1-to-4 family dwelling Before taking a loan obligation TEX. FIN. CODE ANN. § (West 2011) No No Closing Notice of Confidentiality Rights on TX Deed of Trust On 352 Not specified Real property Not specified, but practically at closing TEX. PROP. CODE ANN. § (West 2011) No No Closing TX Collateral Protection Act Notice 1015 A credit transaction for which a credit agreement exists Real property At the time the credit agreement is executed TEX. FIN. CODE ANN. § (West 2011) No No Closing TX Home Equity Affidavit of Fair Market Value of Homestead Property 3653 A 50(a)(6) equity loan A homestead On the date the extension of credit is made TEX. CONST. art. 16, § Yes Yes Closing TX Notice of No Oral Agreements 3682 A loan agreement in which the amount of the loan exceeds $50,000 Not specified In or with the loan agreement TEX. BUS. & COM. ANN. § (West 2011) Yes Yes Closing TX Affidavit of Reasonable Costs on Homestead Property Refinance 3684 A loan which refinances any loans described in Tex. Const. art. 16, § 50(a)(1) through (a)(5), which includes an advance of additional funds A homestead Not specified TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No
Closing TX Home Equity Owner’s Affidavit Acknowledging Lender’s Compliance and HUD-1 01-01-10 5010 and (latter Federal) A 50(a)(6) equity loan A homestead One business day before closing TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) Yes, when documentation is provided on date of closing due to good or a bona fide emergency No Closing TX Home Equity Discount Point Acknowledgment 5029 A 50(a)(6) equity loan A homestead Not specified TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No Closing TX Home Equity Election Not to Rescind 9522 A 50(a)(6) equity loan A homestead At closing TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No Closing Texas Veterans Land Board Take-Out Loan Affidavit 7768 A take-out loan A single dwelling home At closing Yes No Closing TX Notice of Penalties for Making False or Misleading Statements 12309 Either: (1) a home loan; or (2) a residential mortgage loan Either: (1) a manufactured home or real property improved by a 1-to-4 family dwelling which is used as the borrower’s principal residence; or (2) a dwelling (defined by Section 103[v] of TILA) or residential real estate which has or shall have a dwelling At closing TEX. FIN. CODE ANN. § (West 2011); 7 TEX. CODE §§ (2013) Yes No
Closing Spanish Disclosure 14389 A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) or a home equity loan regulated by the Texas Office of Consumer Credit Commissioner A 1-to-4 family dwelling No than consummation of the loan contract TEX. FIN. CODE ANN. § (West 2011); 7 TEX. ADMIN. CODE § (2013) No No Closing TX Disclosure of Servicing Complaints 16006 (upon request) A residential mortgage loan A dwelling or residential real estate, which has either: (1) a dwelling, as defined under Section 103(v) of TILA; or (2) a 1-to-4 family dwelling Not later than the 30th day after the registrant commences servicing the loan. TEX. FIN. CODE ANN. §§ & (West 2011) No No
Utah (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 An extension of credit Not specified At the time of written application or, if there is no written application, before closing UTAH CODE ANN. §§ & (West 2012) No No Initial Disclosure Advanced Fee/Application Disclosure 2783 A mortgage loan of more than two years Not specified At the time a fee or deposit is accepted UTAH CODE ANN. § (West 2012) Yes No Initial Disclosure UT High Cost Home Loan Disclosures 3774 A high-cost mortgage A borrower’s principal dwelling No less than 3 business days to consummation UTAH CODE ANN. § (West 2012) No No Initial Disclosure UT Loan Notice A mortgage loan of more than two Not specified At the time of receipt or preparation of the written application UTAH CODE ANN. § (West 2012) No No Closing RESPA Legend on UT Deeds of Trust On 353, 406, 511, & 1398 A federally-related mortgage loan subject to RESPA Residential property consisting of 1-to-4 family units At recording UTAH CODE ANN. § (West 2012) No No Closing UT Disclosure of Servicer 1001 A mortgage loan of more than two years Not specified At the time of closing UTAH CODE ANN. § (West 2012) No No
Initial Disclosure VT Application Capacity Notice 4816 A mortgage loan Real estate In advance of taking any fee or at the time an application is submitted VT. STAT. ANN. tit. 8, § (West 2012) No No Initial Disclosure VT Addendum to Uniform Residential Loan Application 5107 Not specified Not specified Not specified, but practically at application VT. STAT. ANN. tit. 15, § ; Dept. of Banking, Insurance, Securities, and Health Care Administration Bulletin No. No No Initial Disclosure and Closing Certification and Authorization 13 Credit Not specified Before obtaining a credit report VT. STAT. ANN. tit. 9, § (West 2012); 3-2 VT. CODE R. § (2013) Yes No Initial Disclosure, TILA ReDisclosure, Closing Itemization of Amount Financed 01-01-10 14644 A loan Not specified In advance of any loan closing VT. STAT. ANN. tit. 8, § (West 2012) No No Closing Co-signer Notice on 3200 Note Fixed, FHA Note Fixed, and VA 3200 Note Fixed On 5 (FNMA), 36 (FHA), and 58 (VA) An obligation Not specified With the instrument evidencing the obligation VT. STAT. ANN. tit. 9, § (West 2012) No No Closing HUD-1 01-01-10 14222 (Federal) A loan Not specified At the time the loan is made VT. STAT. ANN. tit. 8, § (West 2012) No No
Initial Disclosure WA Broker Application Disclosure 2655 A residential mortgage loan Residential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 units Within 3 business days of a receipt of an application. WASH. REV. CODE ANN. § (West 2013); WASH. ADMIN. CODE § (2013) No No Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A debt or loan Not specified Not specified WASH. REV. CODE ANN. § (West 2013) No No Initial Disclosure WA Appraisal Notification on Purchase Money Mortgages 2791 A purchase money residential mortgage loan Residential real property upon which is (or is intended to be) a 1-to-4 family dwelling Prior to closing WASH. REV. CODE ANN. § (West 2013) No No Initial Disclosure WA Interest Rate Lock Agreement 2792 A residential mortgage loan Residential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 units Within 3 business days of a receipt of a loan application WASH. REV. CODE ANN. §§ & (West 2013); WASH. ADMIN. CODE § (2013) Yes(?) Yes
Initial Disclosure WA Conflict of Interest Disclosure 3705 A residential mortgage loan Either: (1) residential real estate upon which is (or is intended to be) constructed a dwelling of 1-to-4 units; or (2) a dwelling (as defined under Section 103[v] of TILA) or residential real estate upon which is (or will be) a dwelling Prior to providing mortgage services WASH. REV. CODE ANN. § (West 2013); WASH. CODE § (2013) No No Initial Disclosure WA Disclosure Receipt 3747 A loan Real property Not specified WASH. ADMIN. CODE § (2013) No No Initial Disclosure Loan Brokerage Agreement 3841 A residential mortgage loan Residential real property upon which is (or will be constructed) a 1-to-4 family dwelling Not specified WASH. REV. CODE ANN. § (West 2013); WASH. ADMIN. CODE § (2013) Yes Yes Initial Disclosure Addendum to Loan Application 13441 Not specified Not specified Not specified WASH. REV. CODE ANN. §§ & (West 2013) No No Initial Disclosure WA Disclosure Summary or RESPA Disclosures (upon request) or 14221 and other RESPA Disclosures (Federal) A residential mortgage loan or a consumer loan Residential real property upon which is (or will be constructed) a 1-to-4 family dwelling, or real property Within 3 business days following receipt of an application. WASH. REV. CODE ANN. §§ & (West 2013); WASH. CODE §§ , , (2013) No No
Closing PMI Disclosure 29, 862, 4668, 14292, 14293, & 14294 A residential mortgage transaction An owner-occupied, 1-to-4 unit residential real property At the time a transaction is entered into WASH. REV. CODE ANN. § (West 2013) No No Closing WA Oral Agreement Notice 12751 A loan of or extension of credit Not specified In documents relating to the credit agreement. WASH. REV. CODE ANN. § (West 2013) No No West Virginia (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A consumer loan Real property Not specified W. VA. CODE ANN. § (West 2012) No No
Initial Disclosure WV Tangible Net Benefit Worksheet 3849 A primary mortgage loan or a subordinate mortgage loan, or a consumer loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwelling, or land Not specified W. VA. CODE ANN. §§ & (West 2012) Yes, per Yes, per Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwelling With the application W. VA. CODE ANN. § (West 2012) No No Initial Disclosure West Virginia Fees and Services Disclosure 4827 (upon request) An extension of credit Not specified Before executing a contract with a buyer or receiving any money W. VA. CODE ANN. § (West 2012) No No Closing Truth-in-Lending Disclosure and Truth-in-Lending Total Payments Itemization 18 and other closing TILs and 15444 A primary mortgage loan or a subordinate mortgage loan A dwelling (as defined in Section 103[v] of the TILA) or residential real estate upon which is constructed a dwelling At the time of closing W. VA. CODE ANN. § (West 2012) No Yes Closing 3260 Note Balloon, 3180 Rider Balloon, and Fixed Rate Note West Virginia Second 230, 752, and 1081 A consumer loan Land With any writing purporting to contain the agreement of the parties (closing) W. VA. CODE ANN. § No No Closing WV Collateral Protection Insurance Disclosure 1000 A consumer credit transaction Collateral, includes real property With the credit agreement (closing) W. VA. CODE ANN. § (West 2012) No No
Closing WV Notice to Cosigners 1018 A consumer loan Land Before a cosigner signs any instrument evidencing the transaction. W. VA. CODE ANN. § (West 2012) No No Wisconsin (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure Anti-Coercion Insurance Disclosure 2778 A financing of the purchase of the property or a lending of secured by the property Real or personal property Not specified WIS. STAT. ANN. § (West 2013) No No Initial Disclosure Advanced Fee/Application Disclosure 2783 A loan, which is a primary lien A 1-to-4 family dwelling used as the borrower’s principal residence Before accepting an application or fee in connection with the loan. WIS. STAT. ANN. § (West 2013); WIS. ADMIN. CODE § (2013) No No Initial Disclosure WI Adjustable Rate Mortgage Information Statement 3951 A variable rate loan, which is a primary lien A 1-to-4 family dwelling used as the borrower’s principal residence Before making a variable rate loan. WIS. STAT. ANN. § (West 2013) No No Initial Disclosure High Cost Tangible Net Benefit Worksheet (upon request) A covered loan that refinances another covered loan, which is a first lien with an amount financed of $25,000 or less Residential real property that is or will be occupied by the customer as a principal dwelling Not specified WIS. STAT. ANN. § (West 2013) No No Initial Disclosure Good Faith Estimate 01-01-10 & WI Loan Commitment 14221 (Federal) and 15918 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential real property At the time of or prior to the issuance of a loan commitment WIS. ADMIN. CODE DFI-BKG §§ and (2013) No Yes Initial Disclosure WI Consumer Disclosure Statement 14546 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential real property Before entering into a brokerage services contract. WIS. STAT. ANN. § (West 2013); WIS. ADMIN. CODE § (2013) Yes No
Initial Disclosure WI Mortgage Broker Agreement 14547 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential real property Not specified, but practically before engaging in broker services WIS. STAT. ANN. § (West 2013); WIS. CODE § (2013) Yes Yes Initial Disclosure and Closing WI ARM Prepayment Penalty Notice 9109 A variable rate loan, is a primary lien A 1-to-4 family dwelling used as the borrower’s principal residence By the time of the offer of the loan WIS. STAT. ANN. § (West 2013) Yes No Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan A dwelling (as defined in 15 USCA § 1602[v]) or residential real property With the application WIS. STAT. ANN. § (West 2013) No Yes, for mortgage loan applications Closing WI Mortgage Second & Fixed Rate Note Wisconsin Second 515 & 1080 A consumer credit transaction, which is a junior lien and the amount financed is $25,000 or less Real or personal property With the writing evidencing the customer’s obligation to pay (closing) WIS. STAT. ANN. § (West 2013) No No Closing Notice to Spouse of Extension of Credit by Copy of Security Instrument 515 & 1353 A credit transaction governed by the Wisconsin Consumer Act (Wis. Stat. Ann. ch. 421 through 427), is a junior lien and the amount financed is $25,000 or less Real or personal property Before any payment is due under the transaction WIS. STAT. ANN. § (West 2013) No No
Closing WI Property Tax Escrow Option 1023 A loan, which is a primary lien A 1-to-4 family dwelling used as the borrower’s principal residence Before closing WIS. STAT. ANN. § (West 2013) No No Closing WI Explanation of Personal Obligation (upon request) A consumer credit transaction, which is a junior lien and the amount financed is $25,000 or less Real or personal property At the same time of signing a separate instrument WIS. STAT. ANN. § (West 2013) Yes, if not receiving copies of signed documents No Wyoming (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required?
Initial Disclosure Anti-Coercion Insurance Disclosure 2778 Either: (1) a loan of money; or (2) a consumer loan, which is generally a junior lien with a finance charge exceeding 18% Either: (1) real or personal property; or (2) land or a dwelling consisting of 1-to-4 units which may or may not be attached to real property To be given promptly. WYO. STAT. ANN. §§ & (West 2012) No No Initial Disclosure WY Mortgage Broker Agreement 13452 A residential mortgage loan, which is a primary lien A dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwelling Within 3 business days of a borrower signing an application, but before he sends any consideration to the licensee WYO. STAT. ANN. § (West 2012) Yes Yes Initial Disclosure Good Estimate & Explanation of Fee Increase 14221 (Federal) & TBD A residential mortgage loan, which is a primary lien A dwelling, consisting of 1-to-4 whether attached to real property or not, or residential real estate upon which is constructed a dwelling No less than 3 business days prior to closing WYO. STAT. ANN. § (West 2012) No No
Initial Disclosure WY Commitment/Lock-in Agreement 15904 A mortgage loan (aka a residential mortgage loan), which is a primary lien A dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwelling When the broker has obtained a commitment or lock-in from the lender on behalf of the borrower WYO. STAT. ANN. § (West 2012) No No Initial Disclosure Cost of Insurance Disclosure 16488 (upon request) A consumer loan, is generally a junior lien with a finance charge exceeding 18% Land or a dwelling consisting of 1-to-4 which may or may not be attached to real property Not specified, but practically before charges for additional insurances are made WYO. STAT. ANN. § (West 2012) Yes, if life, accident, or health coverage is being purchased No Initial Disclosure and Closing All Truth-in-Lending Disclosures 18, 1591, and all other TILA Disclosures A consumer loan, which is generally a junior lien Land or a dwelling consisting of 1-to-4 units which may or may not be attached to real property Various times WYO. STAT. ANN. § (West 2012) No No Initial Disclosure, Processing, Underwriting, and Closing NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 A residential mortgage loan, is a consumer loan that generally is a junior lien with a finance charge exceeding 18% A dwelling, consisting of 1-to-4 units, whether attached to real property or not, or residential real estate upon which is constructed a dwelling With the loan application WYO. STAT. ANN. § (West 2012) No No