None

No Rules

Purchase

HUD Handbook 4000.2 Rev-3, Paragraph 3-7; 4155.1 Rev-5, Paragraph 3-8

Non-Owner Occupied Property or 1-4 units or Multifamily

Purchase

Mortgagee Letter 09-43; Exhibit A

H4H

Mortgagee Letter 04-10, 89-24, 05-14

ARM

HUD Handbook 4155.1 Rev-5, Paragraph 3-4; VA Lender's Handbook Ch. 9, Section 1(d)

Purchase

Mortgagee Letter 08-15; HUD Handbook 4000.4 Rev-1, Chg-2, Paragraph 3-15; 4155.1 Rev-5, Paragraph 3-1

This form replaces both the HUD-92900-PUR (MCAWPM.FHA) and HUD-92900-WS (MCAW.FHA). Available upon request.

HUD Handbook 4155.1, Rev-5, Paragraph 2-14; VA Lender's Handbook, Chapter 7, Section 9(e)

Buydown

Mortgagee Letter 99-32; 06-24

Purchase; Must be signed on or before the date the sales contract is executed

Mortgagee Letter 92-15; HUD Handbook 4155.1 Rev-5, Paragraph 3-6

Give simultaneously with the mortgage credit application.

Mortgagee Letter 92-7; HUD Handbook 4000.4 Rev-1, Chg-2, Paragraph 3-15

No Rules

No Rules

Mortgagee Letter 97-27; HUD Handbook 4150.1; 4155.1

No Rules

None

No Rules

Mortgagee Letter 99-23, 00-46; 24 CFR 203.10

No rules

Mortgagee Letter 09-43; Exhibit B

H4H

Mortgagee Letter 96-65; 24 CFR 203.431

Give within 15 days of any change of mortgagor, mortgagee, or servicer.

Purchase

HUD Handbook 4165.1 Rev-2, Paragraph 4-11; 4165.1 Rev-2, Appendix XIV

Non-Owner Occupied

No Rules

Owner Occupied

MIP Financed charged

No Rules

No Rules

HUD Handbook 4000.2 Rev-3, Paragraph 5-6; 4000.4; 4165.1

No Rules

Mortgagee Letter 09-43; Exhibit D

H4H

Construction Loans

Applies to loans <= $25K

No longer required according to the new rules adopted on 1/1/10

Ark. Code Ann. § 23-53-103(6)(B)(ii)(h)

No Rules

CA Business & Professions Code § 10240(c) 

Federally regulated loans >= $30K for 1st liens and >= $20K for Jr. liens

No Rules

No Rules; Provide disclosure within 15 days after licensee receives written application, provided applicant has paid the fee.

CA Fin. Code § 22171; Cal. Code Regs. tit. 10, §§ 1436; 1950.314.8

Give within 3 business days after receipt of a application for a nontraditional or adjustable rate loan, or before the borrower becomes obligated on the note, whichever is earlier.

Not legally required; CA notary acknowledgment simply added to form

No Rules

Condo; Give as soon as reasonably practicable

High Cost; give no later than 3 business days prior to signing loan docs.

No Rules

No Rules

Loan Purpose = Loan Modification

Loan Purpose = Loan Modification

All CA loans

CA Health & Safety Code § 35830; 21 CCR 7114

No Rules - Always

CA Financial Code § 22337; 22338

All loans; Applies to finance lenders and brokers licensed under the Finance Lenders Law.

No Rules, but disclose before execution of note and deed of trust.

No Rules

Cal. Code Regs. tit. 10, § 2840(a); Cal. Bus. & Prof. Code § 10240

Give within 3 business days after receipt of completed loan application; Not a nontraditional loan product

Cal. Code Regs. tit. 10, § 2840(a); Cal. Bus. & Prof. Code § 10240

Give within 3 business days after receipt of completed loan application; Nontraditional loan product

Give prior to cosigner becoming obligated on a consumer credit contract.

None

No Rules

No Rules - Applies if borrower affirmatively requests, and the lender agrees, that the disbursement will occur on Monday, or a day immediately following a bank holiday.

High Cost

PMI; Owner-Occupied; Give w/in 30 days after close of escrow; N/A to FHA and VA loans

No Rules

Give no later than 10 days after receipt of appraisal report, but no later than closing

The term "nonrefundable" must appear in boldface type each time it is used.

Real Estate Broker / Salesperson acting as a Mortgage Broker

CT Gen. Stat. § 36a-705; 36a-706

No Rules

Non-Prime Home loan; Property type is not equal to Multifamily, Commercial, or Land & Lots; Owner-Occupied; Loan is not a HELOC or Connecticut Housing Finance Authority (CHFA) loan; Principal amount of loan < $417K for loans originated prior to 7/1/10 and thereafter the then current Fannie Mae conforming loan limit. Provide no later than 3 business days after receipt of completed application

Non-Prime Home loan; Property type is not equal to Multifamily, Commercial, or Land & Lots; Owner-Occupied; Loan is not a HELOC or Connecticut Housing Finance Authority (CHFA) loan; Principal amount of loan < $417K for loans originated prior to 7/1/10 and thereafter the then current Fannie Mae conforming loan limit. Provide no later than 3 business days after receipt of completed application

Conn. Gen. Stat. §§ 49-6a; 49-6d; 36a-726

1st Lien Loans

Conn. Agencies Regs. § 36a-744-7

Give when adverse action is taken on application

All loans

Del. Code Ann. tit. 5, § 2231(3); 2218(5)

No Rules

Del. Code Ann. tit. 5, § 2113; DE ADC 5 2104

Before Broker performs any services on behalf of Borrower.

No Rules

Law v. U.S. Dept. of Agriculture, 366 F. Supp 1233 (N.D. Ga. 1973)

This form is not a required by statute or regulation, but is customary.

GA ST § 7-1-1014; GA ADC 80-11-1-.01

Give prior to accepting any application fee, credit report fee, property appraisal fee or any other third- party fee, or within 3 business days after the application is received, whichever is earlier.

GA ADC 80-11-1-.01(8); GA ST § 7-1-1014(3)

Disclosure shall be at least 10-pt, bold-faced type and shall be made at or before settlement.

None

No Rules

No Rules

All loans

1st Lien

Discount Fee Charged

No Rules

Iowa Code § 537.3203; 537.1301(14)

Must be clear and conspicuous; IA Consumer Credit Code Loans (non-purchase money, Jr. lien loans < $25K).

No Rules

No Rules

815 ILCS 180/10; 815 ILCS 5/3

Give at the time of credit agreement.

Give at the time of application.

No Rules

Impounds; Applies when lender elects to require maintenance of an escrow account or other specific arrangement for the payment of taxes.

No Rules

Give immediately after loan fails to close within a specific commitment period.

No Rules

Give before the borrower signs a loan brokerage agreement or gives the licensee any consideration, whichever comes first.

Give before borrower signs a loan brokerage agreement or gives the licensee any consideration, whichever comes first.

Selects only if property type not equal to Commercial, Land & Lots, Multifamily; Owner-Occupied or Second Home

High Cost; Give prior to making a high risk home loan.

765 ILCS 910/1 et seq.; 38 IL ADC 1050.1360

No Rules; Give at the time of closing.

All loans

Selects only if property type not equal to Commercial, Land & Lots, Multifamily; Occupancy Status = Owner-Occupied or Second Home

High Cost; Notice in writing followed by signed acknowledgment of having received the Notice.

High Cost; Borrower may waive participation in the Program, provided that the waiver occurs no less than 2 business days after the day that the borrower receives the Information Notice.

Kan. Stat. Ann. § 9-2212(g); 16a-2-310(e)

No Rules

Applies to loans subject to KS Uniform Consumer Credit Code.

KS ADC 17-24-1; Kan. Stat. Ann. § 9-2208(b)

Must be in at least 10-pt bold face letters; Give prior to entering into any contract for the provision of services or prior to the license or registrant receiving any compensation or promise of compensation for a mortgage loan.

Applies to loans subject to KS Uniform Consumer Credit Code. This notice is already in Uniform Consumer Credit Code Addendum applicable to 1st-lien loans.

Kan. Stat. Ann. § 16a-3-207(3); 16a-2-304

LTV > 100%; Give not less than 3 days [include weekends and federal legal holidays] before the loan is made.

Kan. Stat. Ann. §§ 16a-1-101 through 16a-9-102

Upon customer request: to apply to 1st-lien loans.

Give prior to collecting application fee; Owner-Occupied or Second Home; Property type not equal to Multifamily, Commercial or Land & Lots

Broker Name; Give no later than 3 days after the date the loan application was signed.

MD COML § 12-119; 12-120

A signed copy of the disclosure must accompany any executed application for a loan.

Owner-Occupied; Give when Financing Agreement is not final; must be given at least 72 hours before settlement; the 72-hour requirement may be waived and the commitment may be accepted at settlement only if it is shown to be infeasible.

MD COML § 12-124.1(c)(2); 12-409.1(d)(2); 12-1029(c)(2)

High Cost; give when the borrower completes an application for a "covered loan".

No Rules

Purchase

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Owner-Occupied; Loan is a balloon loan regardless of lien priority, and/or there is no escrow for taxes and insurance if loan is a first-lien loan; Give within 10 business days after completion of the mortgage loan application and not less than 72 hours before the time of settlement.

Owner-Occupied; Not required for subordinate lien loans; give within 10 business days after the date the loan application is completed; also, if financing agreement is not final, give commitment at least 72 hours before the time of settlement agreed by the parties.

Owner-Occupied

MD COML § 12-124.1(c)(2); 12-409.1(d)(2); 12-1029(c)(2)

High Cost; give after Borrower completes application for a covered loan.

Owner-Occupied; Property County = Prince George's County

Owner-Occupied; Give if Lender requires Borrower to pay for Lenders attorneys fee; applies to any loan, other than a commercial loan, that is secured by a mortgage or deed of trust on the borrowers primary residence.

MD Real Property § 3-104.1; MD COMAR 09.03.11.02

All loans

A copy of the agreement, dated and signed, shall be provided to the borrower within 10 business days after the date the loan application is completed.

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied; Applies regardless of lien priority.

MD Tax Property § 12-102; Prince George County Code 10-187(A)

Refinance; Property County = Prince George's County

Purchase; A borrower who does not receive the residential property condition disclosure statement on or before entering into the contract of sale has the right to rescind.

Owner-Occupied; Give if borrower is waiving the 72-hour advance presentation requirement

No Rules

Closed-End Loans Only

Applies to owner-occupied properties; Does not apply to HELOCs or a purchase-money loans

Applies to owner-occupied properties; Does not apply to HELOCs or a purchase-money loans; Also, includes a list of the nearest available HUD-approved credit counseling agencies.

Rider must be added to the mortgage when there is a male borrower who is married and taking sole title to the property.

Rider must be added to the mortgage when there is a borrower who is married and taking sole title to the property.

Mich. Comp. Laws Ann. § 500.1243(16); 500.4418

When insurance is required, lender advises the applicant that the required insurance is available through the lender or an affiliate of the lender. Also, insurance offered need not be purchased as a condition of the loan.

The Notice must be posted in a conspicuous place in the institution's main office and each branch.

No Rules

Give upon receipt of a written application for a residential mortgage loan.

Lender may reject insurance contract, as long as it is not unreasonable.

Loan brokerage agreement and the loan brokerage disclosure statement may be combined into one form; A loan brokerage agreement is not required where the licensee is a lender not engaged in the act of brokering; must give at the time of application.

CONV, CONTP and USDA loans; Give at the time the credit agreement is executed.

Must be in 10 pt boldface type; Should be included in any note or agreement evidencing a mortgage loan.

No Rules

Insurance may be purchased from an insurer of the borrower's choice, subject only to the lender's right to reasonably reject a given insurer.

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied.

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied.

Give at the time of application prior to providing mortgage broker services to a borrower.

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied.

VA loans only; must be signed at time of loan application.

ND ADC 13-05-01-05; 13-05-01-04

All loans

ND ADC 13-05-01-09; 13-05-01-02

Give before broker performs any services.

N.D. Cent. Code § 47-10.2-05; 47-10.2-02

Give on an annual basis.

All loans

Applies to 1st-lien loans; give before lender accepts any fee.

N.J. Rev. Stat. § 17:11C-21; NJ ADC 3:1-13-1

1st Lien

NJ ADC 3:1-16.3(d); NJ Bulletin No. 10-17

Give no later than 3 business days after the lender receives the borrower‘s application, or before closing of the loan, whichever is earlier.

No Rules

1st Lien

1st Lien

1st Lien, Broker Name; Give before accepting any loan application.

High Cost; Borrower must acknowledge receipt of this Notice in writing.

Purchase; Sale of property with potable water supply.

Give with the loan commitment disclosure or within 10 days after the issuance of the commitment to the borrower and before the acceptance of the commitment by the borrower.

Nev. Rev. Stat. § 645B.165(3); 645E.420(3)

Give prior to accepting advance payments to cover reasonably estimated costs paid to third persons.

NV ADC 645B.235; 645E.290

Give at application if acting in dual capacity

All loans

To be attached to security instrument, attesting that social security number of a person does not appear in document.

Give before date that the loan is consummated.

Give at or prior to consummation of loan.

NV ADC 645B.220; Nev. Rev. Stat. § 645B.185(1) and (2)

Text must be at least 10 pt. font, and captions and sub-headings must be at least 14 pt. bold; give before accepting money from a private investor.

Oh. Rev. Code § 1345.05(G); Oh. Admin. Code § 109:4-3-29

All loans

Oh. Rev. Code § 1322.062(A)(1)(j); Oh. Admin. Code § 1301:8-7-15(A)(9)

1st-Lien Loans; LTV > 90%; if applicable, give within 3 business days after taking application.

Oh. Rev. Code §1322.062(D); Oh. Admin. Code § 1301:8-7-15(D)

1st-Lien Loans: if applicable, give within 3 business days after taking application.

All loans

Oh. Rev. Code §1345.031(B)(8); Oh. Admin. Code § 109:4-3-23

All loans

Selects only if Borrower pays for any one of the following listed from the Fees/Charges section: (1) Accident Insurance (AI), (2) Credit Life Insurance (CLI), (3) Health Insurance (HI), or (4) Unemployment Insurance (UI); Applies regardless of occupancy s

Selects only if Borrower pays for any one of the following listed from the Fees/Charges section: (1) Accident Insurance (AI), (2) Credit Life Insurance (CLI), (3) Health Insurance (HI), or (4) Unemployment Insurance (UI) AND Paid by the Borrower; Applies

Oh. Rev. Code § 1345.05(A)(4); Oh. Admin. Code § 109:4-3-29

All loans

Oh. Rev. Code §1322.081; Oh. Admin. Code § 1301:8-7-26

1st-Lien Loans

Oh. Rev. Code § 1322.062(A)(1); Oh. Admin. Code § 1301:8-7-15

1st-Lien Loans: give within 3 business days after taking application.

Must be in a type size no smaller than that used throughout most of the application form; attach to each application for credit.

Oh. Rev. Code § 1322.064; Oh. Admin. Code § 1301:8-7-15(F)

1st-Lien Loans: provide revised information not later than 24 hours after change occurs, or 24 hours before loan is closed, whichever is earlier.

1st-Lien Loans: give not later than 24 hours before loan closing.

All loans

No Rules

All loans regardless of occupancy status and lien priority.

Ohio High Cost Loan

Jr. Lien Loans <= $50K

Give 3 days before completion of the transaction.

No Rules

Or. Rev. Stat. § 86.180; 86.165; 86.185

Non State Specific Late Charge; Give prior to the execution of the mortgage.

Must be in 10-pt type

Give prior to or at the time of receipt of fees.

Or. Rev. Stat. § 86.255; 86.205(7)

Owner Occupied; Loan Amount <= $100K; Give prior to entering any such arrangement.

Or. Rev. Stat. § 41.580

 

Owner-Occupied = No; Second Home = No

Give prior to payment of appraisal fee.

No Rules

High Cost

All loans

R.I. Gen. Laws § 27-29-4(9); and (10)

No Rules

No Rules

Equity, Owner Occupied

R.I. Banking Reg. 3 § 5(A)(vi) & § 5(D)(iii)

High Cost

Give no later than 3 business days after application is received.

Purchase

No Rules

Non-purchase money; 1-4 units; give as a separate document at the time of application for loan.

Owner-Occupied

Owner-Occupied

R.I. Banking Reg. 3 § 5(A)(v); and § 5(B)(a)

Owner-Occupied; Refinance; Refinance Increase

No Rules

Tenn. Code Ann. § 45-13-206(c)

Give in connection with an application for a mortgage loan.

All loans where property type is a manufactured home

Selects if property type is not equal to Multifamily, Commercial, or Land & Lots regardless of lien priority and occupancy status = owner-occupied.

Purchase Money Loans

No Rules

1st Lien, Closed-End Loan: Single Family or 1-4; owner-occupied; needs to be signed at the time lender or broker accepts fee.

Give when there are no impounds.

High Cost; give no less than 3 business days prior to consummation of transaction; give to borrower in conspicuous type size.

Jr. lien, closed-end loans

Utah Code Ann. § 70C-3-104; 70C-4-105

Jr. lien closed-end loans; all open-end loans; any contracts entered into on or after August 1, 2006, must be in bold type or capital letters.

Must be in 10 pt. font type

Must be delivered to the borrower at least 72 hours before settlement.

Waiver of right to receive Financing Agreement for loan at least 72 hours before settlement.

Purchase Money Loans

WA Rev. Code Ann. § 19.144.020; WA Admin. Code § 208-600-200

Fixed Rate Loans; Selects only if property type not equal to Commercial, Land & Lots, Vacant Land, Multifamily; Occupancy Status = Owner-Occupied or Second Home.  Additionally, this disclosure must be the first document provided to the borrower.  So, it should be first in the stacking order or document tree.

WA Rev. Code Ann. § 19.144.020; WA Admin. Code § 208-600-200

ARM Loans; Selects only if property type not equal to Commercial, Land & Lots, Vacant Land, Multifamily; Occupancy Status = Owner-Occupied or Second Home.  Additionally, this disclosure must be the first document provided to the borrower.  So, it should be first in the stacking order or document tree.

No Rules

WA Rev. Code § 19.146.0201(14); WA Admin. Code §§ 208-660-300(7); 208-620-700(3)

Purchase

WA Rev. Code §§ 19.146 Section 16; 31.04 Section 10; WA DFI IS-2009-01

Loan Purpose = Loan Modification

Hazard insurance is mentioned in Choice of Insurance Notice Disclosure.

WA ST § 19.146.030; 19.146.040(1)

Give within 3 business days following receipt of loan application.

Give at time transaction is entered into.

WA ST §§ 19.36.140; 19.36.100

No Rules

WA Rev. Code § 19.146.030(3); WA Admin. Code § 208-620-510(4)

Give within 3 business days including Saturday, of the lock-in date

Give within 3 days of the lock-in date

No Rules

Not specified, but give before closing.

Give before the signing of any instrument; caption must be typewritten or printed in at least 12-pt., bold, upper case type. The body of the notice must be typewritten or printed in at least 8-pt. regular type, in upper or lower case, where appropriate.

Refinance