Borrower(s): Loan Officer: Processor: Investor: Interest Rate: Loan Amount: Broker / Correspondent Conventional / FHA / VA / Jumbo / Reverse Other: Purchase / Refinance Fixed - 30yr, 20yr, 15yr, 10yr Arm - 10/1, 7/1, 5/1, 3/1 LTV/CLTV: Borrower Paid / Lender Paid Closing Date: Origination/Processing Documents Initial Approval Final CTC Approval Copy of LE (Regardless if Broker or Core - Need Proof of Delivery) All COC & Corrected LE (LE to Match Each COC) Initial CD (Proof of Delivery) Initial 1003 (Signed & Dated by LO & Borrower) Final Transmittal (1008) List of Services Providers - Can Shop For Home Ownership Counseling List (Current Address MUST Be Used) Final AUS Findings - LP/DU (Core ONLY Files) Initial AUS Findings - LP/DU (Broker ONLY Files) Final Rate Lock (Extension(s)) Title (Invoice, CPL, Loan Commitment - Schedule A,B,C) Homeowners Insurance Payoff(s) Proof of ID (Driver's License, State ID, Passport, etc...) Invoices (Credit, Appraisal, Survey, VO's, etc) Appraisal & Final (If Applicable) (Save Color Original in Caylx) Appraisal Delivery SSR/UCDP (Conventional & USDA Only) EAD (FHA Only) Purchase Agreement/Addendums (Extension(s), etc...) Sales Contract of Existing Home & CD from Sale Lease(s) Bankruptcy Papers (Email Showing Client Received Within 3 Days of Company Receipt) Credit All Credit Reports - All Pages Including Disclosure Credit Inquries Letter and Credit LOE(s) VOM(s) VOR(s) Income Pay Stubs W2(s) Signed Tax Return(s), P&L, Financials VOE/VOI(s) Assets Bank Statements (All Pages) VOD(s) Deposit Explanation Letter(s) Gift Letter and Backup Documentation EMD Verification Documentation Enhanced Documents Electronic Sig. Authenticity Cert. (Ex. Docusign) Letters of Explanation (Underwriting Required) Condo Questionaire Business License(s) Mortgage Statement(s) Lender/Investor Specific Forms Divorce Decree Flood Insurance (If Applicable) Survey (If applicable) Pest Inspection (If Applicable)
Disclosures Notice of Intent to Proceed (LE) Borrowers Certification & Authorization Patriot Act Disclosure 4506-T Credit Score Disclosures (For All Borrowers - Last Pages of Credit Report) Disclosure Notices Equal Credit Opportunity Act Flood Disaster Act Facts - Personal Information Acknowledgement - Receipt of Hm. Counseling (Copy of Housing Counselors Near You) Consent to Receive Emailed Docs Kaye - General Disclosure Tool Kit Disclosure Anti-Steering Disclosure (Only Use If Broker Loan - Use Lender Form) Receipt of CHARM Booklet (ARMS ONLY) Check ARM Box on Kaye General Disclosure (ARMS ONLY) Initial ARM Disclosure Statement (ARMS ONLY) Receipt of HELOC Brochure (If Applicable)
VA VA - URLA Addendum to URLA (92900A) VA - Direct Endorsement Approval (92900-B) VA - Certificate of Eligibility (COE) - Actual Certificate VA - Request for Certificate of Eligibility - (Only Use if Vet Does Not Have COE) VA - DD214 or Statement of Service VA - Loan Analysis Form (26-6393) VA - Loan Summary Form (26-0286) VA - Federal Collection Policy Notice Form (26-0503) VA - Debt Questionnaire Form (26-0551) VA - Rights of VA Borrowers/Assumability Form (26-8978) VA - Statement of Nearest Living Relative VA - Interest Rate & Discount Disclosure Statement VA - Request for Certification of Reasonable Value Form (26-1805) - Form Comes From The VA When Ordering Your Appraisal. Required on IRRL) VA - Child Care Certification - (Not required on an IRRL) Core Loans VA - Report & Certification of Loan Disbursement Form (26-1820) - (Non-Brokered Loans) VA IRRL - Refinance VA - Interest Rate Reduction Refinancing Loan Worksheet (26-8923) - (Only on IRRL) VA - Rate Reduction Certification (26-8923) (Only on IRRL) VA - Copy of Note Being Refinanced (Only on IRRL) VA - IRRL Loan Comparison Statement (Only on IRRL) Proof of Social Security Number VA Purchase VA - Option/Escape Clause Executed by the Buyer & Seller (If Purchase & NOT part of the PA) Active Duty VA - Active Duty Counseling Checklist Form (26-0592) - (If Applicable) Reserve or National Guard VA - Reserve/National Guard Activation/Deployment Certification (If Applicable)
Core Loans Required Docs Verbal VOE w/in 10 Days of Closing QM Report from Caylx Abilty to Repay Notice of Transfer of Servicing (Goodbye Letter) IRS Transcripts (Only Required if Investor Requires Kaye Pull Transcripts, if Investor Pulls they are NOT Required for Closed File) Flood Certificate (If Applicable) PMI Certificate (If Applicable)
Closing Package Final CD's (Both Buyer & Seller CD) Note/Allonge Mortgage & Riders POA If Applicable) Deed (If Applicable) Closing Instructions and Funding Conditions Notice of Servicing Transfer Tax Certification Short Form Policy Final 1003 (and Addendums if FHA or VA - MUST BE SIGNED AND DATED BY LO & BORROWER) Itemization of Amount Financed Amortization Schedule Right to Cancel W-9 Section 32 Worksheet (If Applicable) Miscellaneous items in Settlement Package