This is not legal advice for your situation*

Disclosures

New Jersey State Disclosures


No Description DocMagic Package Type Lender
Broker		 Governing Law Rules Format Name Signature Selection
1
Addendum to Residential Mortgage Loan Application
Closing, Pre-Closing, PredisclosureBroker, LenderN.J. Stat. Ann. § 37:1-31
All loans
NJARMLA.MSCN/A
2
Application Disclosure
Closing, PredisclosureLenderNJ ADC 3:1-16.3
Applies to 1st-lien loans; give before lender accepts any fee.
NJAD2.MSCIndividual, Officer
3
Choice of Insurance Notice
Closing, PredisclosureBroker, LenderN.J. Rev. Stat. § 17:11C-21; NJ ADC 3:1-13-1
1st Lien
NJCOIN.MSCIndividual, Officer
4
Disclosure Form
PredisclosureBroker, LenderNJ 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.
NJDF.MSC
Individual, Officer
5
Initial Tax Authorization Notice
Closing, PredisclosureLenderN.J. Stat. Ann. § 54:4-64
No Rules
NJITAN.MSCN/A
6
Loan Commitment
Closing, PredisclosureLenderNJ ADC 3:1-16.5
1st Lien
NJLC.MSCIndividual, Officer
7
Lock-In Agreement
Closing, Forms List, PredisclosureLenderNJ ADC 3:1-16.4
1st Lien
NJLIA.MSCIndividual, Officer
8
Mortgage Broker Agreement
Pre-Closing, PredisclosureBrokerNJ ADC 3:1-16.10
1st Lien, Broker Name; Give before accepting any loan application.
NJMBA.MSCIndividual, Officer
9
Notice To Borrower
Closing, Pre-Closing, PredisclosureLenderN.J. Rev. Stat. § 46:10B-26(f)
High Cost; Borrower must acknowledge receipt of this Notice in writing.
NJNTB.MSCIndividual, Officer
10
Private Well Testing Act Certification
ClosingLenderN.J. Stat. Ann. § 58:12A-27
Purchase; Sale of property with potable water supply.
NJPWT.MSCIndividual, Officer
11
Right To Own Attorney Disclosure
Closing, PredisclosureLenderN.J. Rev. Stat. § 46:10A-6(b)
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.
NJRTOA.DSCIndividual, Officer



*This article is distributed to provide general information about the subject matter covered and should not be utilized as a substitute for professional advice in specific situations. If you require such advice, please consult with your own professional advisers.


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