This is not legal advice for your situation*

Disclosures

Maryland State Disclosures


No Description DocMagic Package Type Lender
Broker
Governing Law Rules Format Name Signature Selection
1
Application Disclosure
Closing, PredisclosureBroker, LenderMD COML § 12-119; 12-120
A signed copy of the disclosure must accompany any executed application for a loan.
MDAD.MSCIndividual, Officer
2
Commitment
Closing, Pre-Closing, PredisclosureLenderMD COML § 12-125(c)
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.
MDC.MSCIndividual, Officer
3
Covered Loan
Closing, PredisclosureBroker, LenderMD 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".
MDCL.MSCIndividual, Officer
4
Delivery of Net Proceeds Authorization
ClosingLenderMD Real Property Law § 4-106
No Rules
MDDNPA.MSCIndividual, Officer
5
Disclosure of Seller-Paid Fees
Application, PredisclosureBroker, LenderMD COMAR 09.03.06.09
Purchase
MDDSPF.MSCIndividual, Officer
6
Disclosures for Certain Mortgage Loans
Closing, Pre-Closing, PredisclosureBroker, LenderMD COMAR 09.03.10.03
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.
MDDFCML.MSCIndividual, Officer
7
Financing Agreement
Closing, PredisclosureLenderMD COML § 12-125
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.
MDFA.MSCCo-Signer, Individual, Officer
8
First Time Home Buyer Affidavit
ClosingBroker, LenderMD Tax Property § 12-103
Owner-Occupied
MDFTHBA.MSCIndividual, Officer, Title Only
9
HUD Approved Housing Counseling
Closing, PredisclosureBroker, LenderMD 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.
MDAHC.MSCN/A
10
Homeowner's Certification of Principal Residence
ClosingBroker, LenderPrince George County Form
Owner-Occupied; Property County = Prince George's County
MDHCOPR.MSCN/A
11
Lender Attorney's Fee Certification
Closing, PredisclosureLenderMD COML § 12-120(b)(2)
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.
MDLAFC.MSCCo-Signer, Individual, Officer
12
Licensee Information or Affidavit of Exemption
ClosingBroker, LenderMD Real Property § 3-104.1; MD COMAR 09.03.11.02
All loans
MDLI.MSCN/A
13
Mortgage Broker Agreement
Forms List, PredisclosureBrokerMD COML § 12-805
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.
MDMBA.MSCIndividual, Officer
14
Net Tangible Benefit Worksheet
Closing, Pre-Closing, PredisclosureBroker, LenderMD COMAR § 09.03.06.20
Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied; Applies regardless of lien priority.
MDNTBW.MSCCo-Signer, Individual
15
Office of Finance, Treasury Division Finance Affidavit
ClosingBroker, LenderMD Tax Property § 12-102; Prince George County Code 10-187(A)
Refinance; Property County = Prince George's County
MDOOFTD.MSCN/A
16
Right to Rescind
Closing, PredisclosureBroker, LenderMD REAL PROP § 10-702(h)
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.
MDNRTRPC.MSCIndividual, Officer
17
Waiver of 72-Hour Advance Presentation Requirement
Forms ListLenderMD COML § 12-125(c)(2)
Owner-Occupied; Give if borrower is waiving the 72-hour advance presentation requirement
MDW.MSCIndividual, Officer
18
Wet Settlement Authorization
Forms ListLenderMD REAL PROP § 4-106(b)(2)
No Rules
MDWSA.MSCIndividual, Officer
19
Written Acknowledgement of Delivery of the Note
ClosingBroker, LenderMD COML § 12-1013.2
Closed-End Loans Only
MDWA.MSC Co-Signer, Individual, Officer




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