Required Disclosures by State – Encompass Loans

Arkansas

Arkansas Right to Select Insurance Provider
Net Tangible Benefit Worksheet (Refinance only)

Alabama

Alabama Mortgage Loan Origination Agreement

Arizona

Arizona Application Disclosure (Advance Fee Agreement)
Notice to Choose Insurance Provider (Anti-Coercion)
Arizona Dual Capacity Disclosure (if applicable)

California

California Loan Brokerage Agreement
California Mortgage Loan Disclosure Statement 882, OR
California Mortgage Loan Disclosure Statement 883, OR
California Addendum to Loan Estimate - signed (in lieu of Form 882 or 883) Must also provide signed LE
California Comparison for Sample Mortgage Features: Typical Mortgage Transaction (ARM loans only)
California Notice of Separate Credit/Account
California Advance Fee Disclosure
California Fair Lending Notice
California Dual Capacity (only required when broker is acting as Real Estate Agent)
California Finance Lender Disclosure

Colorado

Colorado Dual Agency Disclosure (when Real Estate Agent is Loan Officer)
Colorado Tangible Net Benefit Disclosure (Refinance)

Connecticut

Connecticut Agreement Concerning Non-Refundability of Advance Fees
Connecticut Dual Capacity Disclosure (when Real Estate Agent is Loan Officer)
Connecticut Hazard Insurance Authorization, Requirements, and Disclosure
Connecticut Interim Financing Disclosure

District of Columbia

DC Financing Agreement
DC Disclosure of Dual Capacity (When Real Estate Agent is Loan Officer)
DC Application Disclosure
DC Addendum to URLA (Domestic Partnership)

Delaware

Delaware Disclosure of Mortgage Broker Agreement and Terms

Florida

Florida Anti-Coercion Notice (Choice of Insurance)
Florida Notice to Purchaser (Purchase Transactions Only)

Georgia

Georgia Application Disclosure
Georgia Attorney Preference Notice
Georgia Anti-Coercion Insurance Disclosure

Hawaii

Public Information Notice Regarding Foreclosure

Illinois

Illinois Addendum to Residential Loan Application
Illinois Description of Required Exhibits and Documentation
Illinois Good Faith Estimate of Charges to be Paid by Seller (VA Purchase Transactions ONLY)
Illinois Mortgage Escrow Account Act (NOT required on FHA or VA Transactions)
Illinois Notice of Change in Loan Terms
Illinois Rate and Points Lock/Float Agreement (3-Day Disclosure)

Indiana

Loan Broker Agreement

Iowa

Iowa Payment Reduction (For Loans with True Discount Points)
Iowa Loan Brokerage Agreement

Kansas

Kansas Loan Brokerage Agreement
Kansas Disclosure of Governing Authority
Kansas Dual Capacity Disclosure (if applicable)

Kentucky

Kentucky Choice of Insurance Disclosure

Louisiana

Louisiana Mortgage Loan Brokerage Agreement and Mortgage Loan Origination Disclosure
Louisiana Application Disclosure (if application fee is charged)

Maryland

Maryland Mortgage Broker Agreement
Maryland Important Notice Regarding Housing Counseling
Maryland Tangible Net Benefits Worksheet (Refinance)

Massachusetts

Attorney Disclosure
Licensing Disclosure
Borrower Interest Worksheet (Refinance)
Advance Fee Agreement

Minnesota

Minnesota Residential Mortgage Originator Contract
Minnesota Non-Agency Disclosure

Mississippi

Mississippi Mortgage Origination Agreement
Mississippi Right to Choose Insurance Disclosure (Anti-Coercion)

Missouri

Missouri Borrower Information Document
Missouri Application Disclosure
Missouri Loan Brokerage Disclosure Statement and Fee Agreement

Montana

Montana Mortgage Loan Origination Disclosure
Montana Choice of Insurance

Nevada

Nevada Disclosure of Fees Earned by Mortgage Broker
Nevada Commercially Reasonable Means Worksheet
Nevada Dual Capacity (When Real Estate Agent is Loan Officer)
Nevada Advance Fee Agreement

New Hampshire

New Hampshire Advance Fee Agreement - Application Disclosure
New Hampshire Anti-Coercion Insurance Disclosure

New Jersey

New Jersey Mortgage Broker Agreement
New Jersey Choice of Insurance Notice
New Jersey Right to Own Attorney Disclosure
New Jersey Application Disclosure Form
New Jersey Addendum to Residential Mortgage Loan Application
New Jersey Authorization of Overnight Delivery Services

New Mexico

New Mexico Advance Fee Agreement
New Mexico Right to Select Attorney

New York

New York Right to Select an Attorney
New York Pre-Application Disclosures
New York Broker Fee Agreement
New York Fair Credit Reporting Notice
New York Dual Agency Disclosure

North Carolina

North Carolina Office of the Commissioner of Banks Fee Information from Your Mortgage Broker
North Carolina Choice of Insurance Provider
North Carolina Right to Choose Attorney
North Carolina Acknowledgement of Fixed Rate Loan Terms and Costs (Satisfies Rate Spread Adjustable Mortgage Loan Disclosure)

Ohio

Ohio Homebuyer’s Protection Act Home Mortgage Loan Informational Document
Ohio Borrower Certificate of Reasonable Tangible Net Benefit (Refinance)
Ohio Discrimination
Ohio Acknowledgment of Receipt of Home Mortgage Loan Informational Document
Ohio Right to Choose Insurance Provider

Oklahoma

Oklahoma Title Protection Notice (Purchase Transactions Only)

Oregon

Oregon Application Disclosure
Oregon Choice of Insurer
Oregon Escrow Option
Oregon Rate Lock - Float Agreement
Oregon Escrow Option Notice (if applicable)

Pennsylvania

Pennsylvania Application Disclosure (Notice Regarding Refundability of Fees)

Rhode Island

Rhode Island Choice of Title Insurance
Rhode Island Notice of Non-Refundability of Loan Fees
Rhode Island Prohibited Acts and Practices Disclosure
Rhode Island Arson Conviction Application Disclosure
Rhode Island Appraisal Fee Disclosure

South Carolina

South Carolina Notice Regarding Agency to Receive Borrower Complaints
South Carolina Mortgage Broker Fee Agreement

Tennessee

Tennessee Application Disclosure (Advance Fee)

Texas

Texas Mortgage Company Disclosure/Consumer Complaint-Recovery Fund Notice
Texas Disclosures of Multiple Roles in a Consumer Real Estate Transaction (When Real Estate Agent is Loan Officer)
Texas Notice Concerning Extensions of Credit (TX Cash-out Refinance only)
Texas Notice Concerning Refinancing a Home Equity Loan (if applicable)
Texas Making an Informed Decision about Buying a Manufactured Home (if applicable)
Texas Anti-Coercion Notice (Choice of Insurance)

Utah

Utah Application/Advance Fee Disclosure

Vermont

Vermont Addendum to Loan Application (if applicable for Civil Unions)
Vermont Broker/Prospective Borrower Agreement
Vermont Anti-Coercion Choice of Insurance Disclosure
Vermont High Rate, High Point Disclosure (if applicable)

Virginia

Virginia Notification to Virginia Mortgage Loan Applicants (Application Disclosure)
Virginia Choice of Settlement Agent Notice
Virginia Mortgage Broker Disclosure
Right to Choose Insurance Provider
Dual Capacity Disclosure (if MLO is real estate agent)
Refinance of Loan Originated in Previous 12 Months Requires: Borrower's Best Interest Worksheet (borrower signature required) OR
Net Tangible Benefit Worksheet (borrower signature not required)

Washington

Washington Addendum to Loan Application
Washington Application Disclosure/Mortgage Broker Agreement
Washington Availability of Appraisal/Other Loan Valuation Docs Disclosure (Satisfies both Appraisal/Valuation and Funds Held in Trust Requirement)
Washington Choice of Insurance
Washington Disclosure Form
Washington Dual Capacity/Conflict of Interest Disclosure (if MLO is RE Agent)
Washington Funds Held in Trust (Satisfies both Funds Held in a Trust and Appraisal/Valuation Requirement)
Washington Net Tangible Benefit Worksheet
Washington Rate Lock Agreement
Washington Refinance of Federal Student Education Loan Notice (only required if cash-out refi and a student loan is being paid with cash-out proceeds)

Wisconsin

Wisconsin Variable Rate Mortgage Disclosure (ARM)
Wisconsin Application Fee Disclosure
Wisconsin Consumer Disclosure Statement
Wisconsin Mortgage Broker Agreement

West Virginia

West Virginia Choice of Insurance Notice
West Virginia Tangible Net Benefit Disclosure (Refinance)

Wyoming

Wyoming Choice of Insurance Notice (Anti-Coercion)
Wyoming Mortgage Broker Fee Agreement