Required Disclosures by State – P.A.T.H. Loans

Alabama

AL Mortgage Loan Origination Agreement

Alaska

AK Right to Select Insurance Provider aka Anti-Coercion

Arizona

AZ Application Disclosure
AZ Dual Capacity Disclosure (if applicable)
AZ Notice to Choose Insurance Provider

Arkansas

AR Notice of Right to Choose Attorney
AR Tangible Net Benefit (Refinance only)

CALIFORNIA: Applicable Disclosures Determined by Licensing

California: CA Real Estate Law License

CA Loan Estimate Addendum Loan Estimate, signed. Must also provide signed LE, OR
CA Mortgage Loan Disclosure DRE Form 882, OR
CA Mortgage Loan Disclosure DRE Form 883, OR
CA Mortgage Loan Disclosure DRE Form 885 (non-traditional loans ONLY)
CA Fair Lending Notice
CA Comparison for Sample Mortgage Feature; Typical Mortgage Transactions (ARM loans only)
CA Advance Fee Disclosure
CA Dual Capacity (When Broker is Acting as Real Estate Agent)
CA Title Insurance Disclosure (Purchase Transactions Only)
CA Disclosure Receipt
CA Hazard Insurance Disclosure (Purchase Only)
CA Notice to Home Loan Applicant
CA Statement of Interest Addendum to URLA
CA REL Supplemental Disclosure to be issued with LE
CA Notice of Right to Receive Copy of Appraisal Report - Refinance Transactions ONLY

California: RMLA License

CA Fair Lending Notice
CA Comparison for Sample Mortgage Feature; Typical Mortgage Transactions (ARM loans only)
CA Mortgage Broker Fee Agreement
CA Title Insurance Disclosure (Purchase Transactions Only)
CA Disclosure Receipt
CA Hazard Insurance Disclosure (Purchase Only)
CA Notice to Home Loan Applicant
CA Statement of Interest Addendum to URLA
CA Notice of Right to Receive Copy of Appraisal Report - Refinance Transactions ONLY

California: Finance Lenders Law (CFL) License

CA Fair Lending Notice
CA Comparison for Sample Mortgage Feature; Typical Mortgage Transactions (ARM loans only)
CA Mortgage Broker Fee Agreement
CA Finance Lender Disclosure
CA Title Insurance Disclosure (Purchase Only)
CA Disclosure Receipt
CA Hazard Insurance Disclosure (Purchase Only)
CA Notice to Home Loan Applicant
CA Statement of Interest Addendum to URLA
CA Notice of Right to Receive Copy of Appraisal Report - Refinance Transactions ONLY

Colorado

CO Dual Status Disclosure (When Real Estate Agent is Loan Officer)
CO Right to Choose Insurance Provider (Anti-Coercion)
CO Tangible Net Benefit Disclosure (Refinance Only)

Connecticut

CT Agreement Concerning Non-Refundability of Advance Fees
CT Disclosure Regarding Legal Representation
CT Dual Capacity Disclosure (When Real Estate Agent is Loan Officer)
CT Hazard Insurance Requirements and Disclosure (Anti-Coercion Insurance Disclosure)
CT Interim Financing Disclosure

Delaware

DE Disclosure of Mortgage Broker Agreement

District of Columbia

DC Addendum to Uniform Residential Loan Application (Domestic Partnership)
DC Anti-Coercion Notice
DC Application Disclosure
DC Disclosure of Dual Capacity (When Real Estate Agent is Loan Officer)
DC Escrow Account Notice
DC Financing Agreement

Florida

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

Georgia

GA Anti-Coercion Insurance Disclosure
GA Application Fee Disclosure/Acknowledgment of Fee Disclosure
GA Attorney Preference Notice

Hawaii

HI Public Information Notice Regarding Foreclosure

Idaho

ID Anti-Coercion Insurance Disclosure
ID Licensee Information Disclosure

Illinois

IL Addendum to Residential Loan Application
IL Description of Required Exhibits and Documentation
IL Good Faith Estimate of Charges to be Paid by Seller (VA purchase transactions only)
IL Loan Brokerage Agreement
IL Loan Brokerage Disclosure Statement
IL Mortgage Escrow Account Act (NOT required on FHA or VA transactions)
IL Notice of Change in Loan Terms
IL Rate and Points Lock/Float Agreement (3-day Disclosure and no rate lock date)

Indiana

Brokered Disclosed Transactions

IN Loan Broker Agreement
IN Anti-Coercion Notice

NDC/EB Transactions

IN Homeowner Protection Notice (issued within 3 days of application date)
IN Anti-Coercion Notice

Iowa

IA Anti-Coercion Insurance Notice
IA Loan Brokerage Agreement
IA Payment Reduction Fee Disclosure (ONLY required on transactions locked with discount points)

Kansas

KS Disclosure of Governing Authority aka Borrower Acknowledgement (completed using the name/position of the individual presenting the form to the borrower)
KS Dual Capacity Disclosure (if applicable)
KS Loan Brokerage Agreement

Kentucky

KY Choice of Insurance Disclosure

Louisiana

LA Anti-Coercion Insurance Noitce
LA Application Fee Disclosure
LA Mortgage Brokerage Agreement
LA Mortgage Loan Origination Agreement

Maine

ME Disclosure of Consumer Protections (aka Notice to Consumer)
ME Mortgage Broker Agreement
ME Notice of Right to Choose Insurance Provider (Anti-Coercion)
ME Private Mortgage Insurance Disclosure

Maryland

MD Important Notice Regarding Housing Counseling
MD Mortgage Broker Agreement
MD Tangible Net Benefit Worksheet (Refinance only)

Massachusetts

MA Attorney Disclosure
MA Childhood Lead Poisoning Prevention (purchase only and property built prior to 1978) aka Lead Paint Indemnification Agreement
MA Licensing Disclosure
MA Notice of Flood Insurance (if property is located in a flood zone)

Minnesota

MN Mortgage Originator/Advance Fee Agreement
MN Net Tangible Benefit Worksheet (Refinance ONLY)
MN Non-Agency Disclosure
MN Right to Choose Insurance Provider (Anti-Coercion)

Mississippi

MS Mortgage Origination Agreement
MS Right to Choose Insurance Provider aka Anti-Coercion Insurance Disclosure

Missouri

MO Application/Processing Fee Disclosure
MO Loan Brokerage Disclosure Statement and Fee Agreement

Montana

MT Mortgage Loan Origination Disclosure
MT Right to Choose Insurance Provider

Nebraska

NE Disclosure Statement
NE Dual Capacity Disclosure
NE Mortgage Origination Agreement
NE Right to Choose Insurance Provider aka Anti-Coercion Insurance Disclosure

Nevada

NV Advance Fee Agreement
NV Commercially Reasonable Means Worksheet
NV Disclosure of Fees Earned by Mortgage Company
NV Dual Capacity (when loan officer is real estate agent)

New Hampshire

NH Advance Fee Disclosure/Application Disclosure
NH Anti-Coercion Insurance Disclosure

New Jersey

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

New Mexico

NM Advance Fee Agreement
NM Freedom to Choose Insurance Company
NM Notice of Right to Select Attorney
NM Rate Lock Disclosure

New York

NY Disclosure Regarding Dual Agency Role in Residential Real Estate Transactions
NY Fair Credit Reporting Act Notice
NY Insurance Disclosure
NY Pre-Application Disclosure/Broker Fee Agreement
NY Right to Select an Attorney
NY VA Services Loan Counseling Disclosure (VA Loans ONLY)

North Carolina

NC Mortgage Broker Fee Agreement aka Fee Information from your Mortgage Broker
NC Notice of Information and Examples of Amortization Disclosure (if loan amount is < $300,000)
NC Notice of Right to Select Attorney
NC Rate Spread Adjustable RAte Loan Disclosure (ARM loans only) aks Acknowledgment of Fixed Rate Loan Terms and Costs
NC Right to Choose Insurance

North Dakota

ND Anti-Coercion Insurance Disclosure
ND Loan Disclosure Statement
ND Money Broker Contract
ND VA Loan Applicants Disclosure (VA loans only)

Ohio

OH Homebuyer's Protection Act Home Mortgage Loan (informational document)
OH Acknowledgment of Receipt of Home Mortgage Loan informational document
OH Business Relationship Disclosure Notice or Affiliated Business Disclosure (if applicable)
OH ECOA Notice aka Discrimination Disclosure
OH Right to Choose Insurance Provider
OH Tangible Net Benefit Worksheet (refinance transactions only)

Oklahoma

OK Title Protection Notice (purchase transactions only)

Oregon

OR Addendum to Residential Mortgage Loan Application
OR Application Disclosure/Advance Fee Disclosure
OR Choice of Insurance
OR Escrow Option Notice (if applicable)
OR Rate Lock/Float Agreement
OR Statue of Frauds Disclosure (investment properties only)

Pennsylvania

PA Fee Disclosure/Application Disclosure

Rhode Island

RI Addendum to the Uniform Residential Loan Application
RI Appraisal Fee Disclosure
RI Arson Conviction Application Disclosure
RI Notice Regarding Non-Refundability of Loan Fees
RI Prohibited Acts and Practices Disclosure (Primary Residence Transactions ONLY)
RI Right to Choose Title Attorney or Title Insurance Company

South Carolina

Broker Disclosed Transactions

SC Attorney/Insurance Preference Form
SC Mortgage Broker Fee Agreement
SC Regulatory Agency to Receive Borrower Complaints Disclosure

NDC/EB Transactions

SC Attorney/Insurance Preference Form
SC Regulatory Agency to Receive Borrower Complaints Disclosure

South Dakota

SD Right to Choose Insurance Provider aka Anti-Coercion

Tennessee

TN Advance Fee Agreement
TN Anti-Coercion Notice
TN Lock-In Agreement (if lock-in fee charged)
TN Title Insurance Disclosure

Texas

TX Anti-Coercion Notice aka Choice of Insurance
TX Disclosures of Multiple Roles in a Consumer Real Estate Transaction (when real estate agent is loan officer)
TX Important Notice Concerning Refinancing a Home Equity Loan (if applicable)
TX Making an Informed Decision about Buying a Manufactured Home (if applicable)
TX Mortgage Company Disclosure/Consumer Complaint-Recovery Fund Notice
TX Notice Concerning Extension of Credit aka 12-Day Notice (Texas Cash-out only; no later than 12 days prior to closing)

Utah

UT Application Disclosure
UT Loan Notice (aka Notice of Sale, Assignment, or Servicing)

Vermont

VT Addendum to Loan Application
VT Anti-Coercion aka Choice of Insurance Disclosure
VT Broker/Prospective Borrower Agreement

Virginia

VA Borrower's Best Interest Worksheet (only required if refinancing a loan originated within the previous 12 months)
VA Choice of Settlement Agent Notice
VA Disclosure of Terms of Mortgage Application (Application Disclosure/VA Notification to Mortgage Loan Applicants
VA Mortgage Broker Agreement aka Loan Brokerage Agreement and Loan Origination Disclosure
VA Mortgage Broker Disclosure aka Dual Capacity Disclosure

Washington

WA Addendum to Loan Application
WA Application Disclosure/Mortgage Broker Agreement
WA Availability of Appraisal or Other Loan Valuation Docs Disclosure (Satisfies both Appraisal/Valuation and Funds Held in Trust Requirement)
WA Choice of Insurance
WA Disclosure Form
WA Dual Capacity Disclosure aka Conflict of Interest (if loan officer is a real estate agent)
WA Funds Held in a Trust (Satisfies both Funds Held in a Trust and Appraisal/Valuation Requirement)
WA Net Tangible Benefit (only required if refinancing a loan originated within the previous 120 days)
WA Refinance of Federal Student Education Loan Notice (cash-out refinance only AND funds will be used to pay-off student loans)

West Virginia

WV Choice of Insurance Notice
WV Tangible Net Benefit Disclosure (if refinancing a loan originated within the previous 24 months)

Wisconsin

WI Application Fee Disclosure
WI Consumer Disclosure Statement for Brokerage Services aka Disclosure Statement
WI Mortgage Broker Agreement (TRID version)
WI Variable Rate Loan Disclosure (ARM loans)

Wyoming

WY Choice of Insurance Notice
WY Mortgage Broker Fee Agreement