Property
HVCC COMPLIANT APPRAISAL OR Appraisal Request Form
PRINT OUT FROM FHA CONNECTION TO VERIFY APPRAISER IS FHA APPROVED
*FULLY EXECUTED SALES CONTRACT
(Purchase transactions only. CMC does not accept TBD property addresses; if
property built prior to 1978 Lead Based Paint Disclosure required)
FULLY EXECUTED AMENDATORY CLAUSE AND REAL ESTATE CERTIFICATION
WARRANTY DEED/6 MOS CHAIN OF TITLE
(Refinance transactions)
NEW CONSTRUCTION EXHIBITS (If applicable)
IF COUNTY DOES NOT ISSUE CERTIFICATE OF OCCUPANCY WILL NEED:
10 YR WARRANTY LETTER FROM WARRANTY COMPANY STATING THEY WILL ISSUE WARRANTY ON SUBJECT
PROPERTY AND FINAL INSPECTION BY FHA APPROVED COMPLIANCE INSPECTOR
IF COUNTY DOES THE 3 INSPECTIONS DURING CONSTRUCTION PROVIDE:
BUILDING PERMIT, 1 YEAR WARRANTY AND CERTIFICATE OF OCCUPANCY (PRIOR TO CLOSING)
BUILDER’S CERTIFICATION COMPLETED AND DATED PRIOR TO APPRAISAL
Initial disclosures (dated within 3 days of loan application/1003)
APPRAISAL INDEPENDENCE COMPLIANT DISCLOSURES
(AA) (if ordered own appraisal)
MORTGAGE BROKER FEE AGREEMENT
(Broker/CMC Funds)
GFE INTENT TO PROCEED
(Correspondent/Correspondent Funds)
BORROWER PAID COMPENSATION
(Borrower Paid Origination ‐ Broker/CMC Funds)
ANTI STEERING W/ COMPLETED GRID
(Lender Paid Origination ‐ Broker/CMC Funds)
*/**INITIAL GOOD FAITH ESTIMATE (MUST BE DATED WITHIN 3 DAYS OF APPLICATION)
*ALL GFE’s ISSUED AFTER INITIAL GFE w/ ITEMIZED LIST OF FEES AND CHANGED CIRCUMSTANCE FORMS
ITEMIZED LIST OF FEES
(Needed for TIL calculation)(Your LOS form or Crescent form acceptable)
RISK BASED PRICING DISCLOSURE
**TRUTH IN LENDING (If closing in Broker’s name)
**SERVICING DISCLOSURE
ECOA (Equal Credit Opportunity Act)
PRIVACY ACT
BORROWER AUTHORIZATION FORM FOR CREDIT
RIGHT TO RECEIVE A COPY OF APPRAISAL
LOAN ORIGINATION AND COMPENSATION AGREEMENT
STATE SPECIFIC DISCLOSURE
(If applicable)
SERVICE PROVIDERS DISCLOSURE
*TYPED 4506T WITH TOP SECTION COMPLETED AND SIGNED BY THE BORR(S) – TO BE PROCESSED BY CMC
MORTGAGE LOAN ORIGINATION AGREEMENT
*TANGIBLE NET BENEFIT FORM (On all Refinances – must be completed and signed by Borrower)
COPY OF ORIGINATOR’S LICENSE
LEAD PAINT LETTER
(Required for homes built prior to 1978)
PHOTO ID
Note
: Appraisal by FHA approved appraiser. Appraiser to certify property meets current requirements of
HUD handbooks 4150.2 and 4905.1
Appraiser to verify and state subject property is decent, safe and sanitary
Documentation of household income for spouse or other persons in household the following is required even
if not on loan: Provide verbal VOE, 30 days of paystubs and 2 years W2s
A separate credit report is required for a spouse that is not on the loan application if the subject property is
located in a Community Property State