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Review Common Loan Documents

If you’re new to the home buying process, or it has been a while, our mortgage officers can walk you through the loan process. At your free consultation, get all your questions about mortgages answered. If you’d like to review some of the common forms we use on your own, check them out below.

Borrower’s Certification and Authorization

You will sign this document to verify that all the information you provided for your mortgage loan is true and complete. It also authorizes the lender to verify the information.

Consumer Handbook on Adjustable-Rate Mortgages

This handbook explains how adjustable-rate mortgages, or ARMs, work. It also offers pointers to help you reduce certain risks.

Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance

If you are purchasing a home located in a special flood hazard area, this document will cover whether or not you’re eligible for flood insurance.

The Federal Equal Credit Opportunity Act

This notice states that a lender cannot discriminate against credit applicants. It also lists the federal agency responsible for ensuring the lender complies with this law.

The Housing Financial Discrimination Act of 1977 Fair Lending Notice

This notice helps borrowers detect and defend against discrimination during the appraisal and home loan qualification and terms process.

What you should know about Home Equity Lines of Credit (HELOC)

This booklet may help you decide whether a home equity line of credit is the right choice for you.