| No |
Description |
DocMagic Package Type |
Lender
Broker |
Governing Law |
Rules |
Format Name |
Signature Selection |
| 1 | Affidavit of Compliance / Smoke Alarm | Closing | Lender | NY Executive Law § 378(5-b)(d) | Purchase | NYSAI.MSC | N/A |
| 2 | Application Disclosure | Pre-Closing, Predisclosure | Lender | 3 NYCRR 38.3(b)(1) | Part 82 Loans: 1st-lien, closed end alternative mortgage loans where the principal indebtedness is < $250K; Part 80 Loans: Jr.-lien, closed-end loans and 1st - and Jr.-lien open-end loans where the aggregate indebtedness is < $250K; Must give prior to accepting application for loan. | NYAD.MSC | Individual, Officer |
| 3 | Balloon Addendum to Note and Rider to Mortgage (This is very similar to Balloon Loan Disclosure) | Closing | Lender | 3 NYCRR 80.4(b); 82.6(b) | Balloon | NYBANRM.MSC | Co-Signer, Individual, Non-Title Spouse, Officer |
| 4 | Balloon Loan Disclosure | Predisclosure | Broker, Lender | 3 NYCRR 80.4(b); 82.6(b) | Balloon and principal indebtedness is < $250K; Part 80 and 82 loans; Give prior to accepting an application for a loan, If the application is accepted over the telephone, lender has 3 business days to mail or deliver the disclosure. | NYBLD.MSC | Individual, Officer |
| 5 | Borrower's Choice of Attorney | Closing, Predisclosure | Broker, Lender | 3 NYCRR 38.7(a)(11) | All loans | NYBCOA.MSC | Individual, Officer |
| 6 | Consumer Caution and Home Ownership Counseling Notice | Pre-Closing, Predisclosure | Broker, Lender | NY Banking Law § 6-L(2)(l)(ii); 3 NYCRR 41.3(a)(2) | Applies to high cost home loans; give within 3 days after determining that loan is a high cost home loan, but not less than 10 days prior to closing. | NYCC.MSC | Individual, Officer |
| 7 | Continuation Sheet / Residential Loan Application | Closing, Pre-Closing, Predisclosure | Broker, Lender | Fannie Mae Form 1003/Freddie Mac Form 65 | Continuation sheet to Residential Loan Application. | NYCS.DSC | Co-Signer, Individual |
| 8 | Disclosure Regarding Dual Agency Role In-Residential Real Estate Transactions | Forms List | Broker | NYCCR & Regs. tit. 3, § 38.12 | Purchase; Give when the mortgage broker representing the borrower is also the real estate broker representing the seller. | NYDRDA.MSC | Individual, Officer |
| 9 | Escrow Account Disclosure | Closing | Lender | NY Banking Law § 6-k(f) | Used when impounds exist; must be at least 8 pt. bold face type; give at time account is established. | NYEAD2.MSC | Individual, Officer |
| 10 | FHA Mortgage Loan Correspondent | Predisclosure | Broker, Lender | 3 NYCRR 38.13(d)
| FHA loans
| NYFHAMLC.MSC
| Co-Signer, Individual, Non-Title Spouse, Officer, Title Only |
| 11 | Hamilton County Cover Sheet | Closing | Broker, Lender | NY Real Property § 316A(5) | Property County = Hamilton | NYHCCS.MSC | N/A |
| 12 | Hazard Insurance Notice | Closing, Predisclosure | Broker, Lender | 3 NYCRR 38.9(b) | Give at the time of commitment, or if no written commitment will be issued, then at time of application. | NYHID2.MSC | Individual, Officer |
| 13 | High Cost Home Loan Disclosure | Closing, Pre-Closing, Predisclosure | Broker, Lender | NY Bank § 6-L(2)(l)(i); NYCRR 41.3(a)(1); 41.4 | High Cost; Give within 3 days after lender determines that application is for a high cost home loan, but in any event, at least 10 days prior to closing. | NYHCHL.DSC | Individual, Officer |
| 14 | Interest Rate Lock Commitment | Forms List, Predisclosure | Lender | 3 NYCRR 38.4(a); 38.6 | Closed-End Purchase and Non-Purchase Money Loans: Give at time of commitment, and, in any case, prior to accepting a commitment fee or any points. | NYIRLC.MSC | Individual, Officer |
| 15 | Junior Lien Disclosure | Closing, Predisclosure | Broker, Lender | 3 NYCRR 80.4(c); NY Banking Law § 590-a(2) | Jr. Lien Loans: Need to include in disclosure requirements pursuant to 3 NY ADC 80.4(a). | NYJLD.MSC | Individual, Officer |
| 16 | Lock-In Agreement | Forms List | Lender | 3 NYCRR 38.6 | No Rules | NYLIA.MSC | Co-Signer, Individual, Officer |
| 17 | Mortgage Banker Application Disclosure | Closing, Predisclosure | Lender | 3 NYCRR 38.3(b) | Mortgage Banker and exempt organization; give prior to taking application or collecting an application fee, credit report fee or appraisal fee. | NYMBAD.MSC | Individual, Officer |
| 18 | NYSBD List Of Approved Counselors | Closing, Pre-Closing, Predisclosure | Broker, Lender | NY Bank § 6-L(2)(l)(i); 3 NY ADC 41.3(a)(1) | High Cost: Give concurrently with "Counselor Notice Statement" (Application) and "Consumer Caution and Home Ownership Counseling Notice". | NYSBD.DSC | N/A |
| 19 | Notice of Creation, Transfer or Termination | Closing | Lender | NY Real Property Tax § 953 | Give no later than 10 business days after transfer of account and within 21 days following final payment of the loan. Notice warns mortgagor to establish a new escrow account or to begin making tax payments directly. | TEA.LSR | N/A |
| 20 | Notice to Cosigner (Closed-End Debt) | Closing | Lender | N.Y. Gen. Oblig. Law § 15-702(3)(a) | Closed-End loans; Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied or second home. | NYNTC.MSC | Co-Signer |
| 21 | Notice to Cosigner (Open-End Debt) | Closing | Lender | N.Y. Gen. Oblig. Law § 15-702(3)(b) | Loan Purpose is a HELOC; Open-End loans; Selects if property type is not equal to Multifamily, Commercial, or Land & Lots; Occupancy status = owner-occupied or second home. | NYNTC2.MSC | Co-Signer |
| 22 | Pre-Application Disclosure and Fee Agreement | Pre-Closing, Predisclosure | Lender | 3 NYCRR 38.3(c) | Mortgage Banker or exempt organization acting in capacity of mortgage broker: Give prior to taking application, application fee, credit report fee or property appraisal fee. | NYPAD1.MSC | Co-Signer, Individual, Officer, Title Only |
| 23 | Pre-Application Disclosure and Fee Agreement | Pre-Closing, Predisclosure | Broker | 3 NYCRR 38.3(a) | Mortgage Broker: Give prior to taking an application or collecting an application fee. | NYPAD2.MSC | Co-Signer, Individual, Officer, Title Only |
| 24 | Prevailing Interest Rate Commitment | Pre-Closing, Predisclosure | Lender | 3 NYCRR 38.5(a) | Give at time of commitment, and, in any case, prior to acceptance of a commitment fee or any points. | NYPIRC.MSC | Individual, Officer |
| 25 | Tax Escrow Acct Designation of Mortgage Institution | Closing | Lender | NY Real Property Tax § 954 | Impounds | NYTEAD.MSC | Individual, Officer |
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