Review Common Loan Documents
Uniform Residential Loan Application
After you complete this form, your lender will use it to determine whether or not to finance your purchase. It will also contain the terms of the loan. When you’re ready to apply, a loan officer will help you fill in some of these details.
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.