Disclosure Checklist
[Pages:1]File Disclosures/Forms Checklist
Borrower(s):
__________________________________________________________________________________
__________________________________________________________________________________
Loan Associate:
__________________________________________________________________________________
Mandatory Disclosures All the disclosures listed below must be completely and correctly executed, and submitted to Corporate with the complete loan file after closing. All of these disclosures may be found at Disclosures.
____ Affiliated Businesses (all applicable providers completed, including those providers that you use regularly or which you may
have an interest)
____ Borrower Certification and Authorization
____ Borrower Signature Authorization
____ Credit Report and Credit Score Information Disclosure
____ Disclosure Notices
____ Equal Credit Opportunity Act Disclosure
____ Florida Lender Fee Disclosure
____ Florida Mortgage Brokerage Fee Agreement (INITIAL and FINAL)
____ Signed by LO and Borrower within 3-days of Loan Application and within 3-days of mandatory re-disclosure
period (3-days within lock-in or change of terms per occasion)
____ Estimated dollar amount of yield spread state in INITIAL and Exact dollar amount of yield spread specified
on the FINAL re-disclosure
____ Brokerage fee must equal TOTAL Broker Fess charged on GFE by Broker (This needs to reflect all fees
charged by Originator/Associate of Innovative Mortgage including "Contract Processing Fee")
____ GFE (INITIAL and FINAL)
____ Signed by LO and Borrower within 3-days of Loan Application and within 3-days of mandatory re-disclosure
period (3-days within lock-in or change of terms per occasion)
____ Estimated dollar amount of yield spread state in INITIAL and Exact dollar amount of yield spread specified
on the FINAL re-disclosure
____ Loan program is identified and accurate
____ All third party fees must be listed on GFE as payable directly to the third party provider.
____ Loan Application/1003
____ Signed by LO and Borrower within three days of date reflected on Loan Application
____ Mortgage Loan Origination Agreement
____ Patriot Act Forms
____ PMI Disclosures (Check one if applicable)
____ Fixed Rate
____ Adjustable Rate ___ LPMI
____ Privacy Policy Disclosure
____ Servicing Disclosure Pages 1 & 2 (servicing info must be completed)
____ TIL (INITIAL and FINAL)
____ Signed by LO and Borrower within 3-days of Loan Application and within 3-days of mandatory re-disclosure
period (3-days within lock-in or change of terms per occasion)
____ Loan program is printed and accurate
____ Pre Payment Penalty indicated (if applicable)
Innovative Mortgage Company Required Disclosures/Forms ____ Commission Split Agreement (for loans originated by multiple Loan Associates- check space at left if applicable) ____ Document Nation Invoice ____ File Disclosure - Forms Checklist (Use this form as a checklist for withdrawn, denied, or closed files) ____ Government Consumer Handbook Disclosure (required on ALL files) ____ Joint Origination Disclosure (required for loans originated by multiple Loan Associates- check space at left if applicable) ____ Loan Registration Form (INITIAL AND FINAL required on All files; see Policies and Procedures Manual for what constitutes an "Application")
Additional LENDER PROVIDED Disclosures, if Applicable ____ ARM Disclosure ? Based on ARM Type (example, Libor, T-Bill, Neg AM) ____ Lender Lock-In/Loan Commitment ____ Pre Payment Penalty Disclosure ____ Additional Wholesale Lender Required Disclosures
Closing Documents (applicable to Closed, Denied, and Withdrawn) ____ Appraisal and invoice ____ Check from Title Company payable to Document Nation, in the amount of $49 provided in final closed file. ____ Final Loan Application (1003) ____ HUD/Settlement Statement ? fully executed by all parties ____ Insurance Binder ____ Mortgage Document to be recorded (fully executed) ____ Note Document (fully executed) ____ Sales contract (if applicable) (fully executed) ____ Survey (if applicable) ____ Title Insurance Binder ____ Underwriting Decision (final and automated)
Original Processed File, including all relevant disclosures listed above and all file communications, are to be mailed/delivered to: 1430 Flores Ct., Trinity, Fl 34655, Attn: Suzanne. All checks and final title company documents must be sent only/directly by the title company/attorneys office conducting the closing. Request the title company to overnight these items to the address herein provided.
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