Fillable Ihda Hfa Loan Delivery (Upload) Checklist printable pdf download

October 2015

IHDA HFA LOAN DELIVERY (UPLOAD) CHECKLIST

Lender ________________________________________________________________________________________________

Lender Contact Person, email & phone # ______________________________________________________________________

Mortgagor(s) Name(s)___________________________________________________________________________________

Property Address_______________________________________________________________________________________

Loan Program_____________________________

IHDA Loan Number(s) ________________________________________



REQUIRED DOCUMENTS – COPIES:

Additional Documents for FHA/VA/USDA Loans and

 Note endorsed to: U.S. Bank National Association or acceptable

Manufactured Homes

Note Allonge AND DPA 2

note

FHA Section

Certified copy of all Mortgage(s) / Deed(s) of Trust with attached

HUD-92900-A to include pages 1-4 (Initial and Final)

legal description & all applicable Riders (If MERS, must be on MOM

Important Notice to Homebuyer (92900B)

Docs) incl. IHDA/tax exempt rider

Real Estate Cert and Amendatory Clause, executed by

Certified copy of Assignment of Mortgage to U.S Bank

buyer and seller prior to closing (Purchase Only)

National Association (if applicable)

MI/Informed Consumer Choices Notification

Certified copy of Power of Attorney (if applicable; NOT

FHA Case Query reflecting UFMIP as received

permitted for IHDA docs)

FHA Case Number Assignment

Warranty Deed

LUTS 92900-LT with CAIVRS/LDP/GSA sections complete and

Notarized Name Affidavit(s), (if applicable)

marked “no”

Initial / First Payment Letter

Conditional Commitment with all requirements

Title Commitment / Binder

Loan must be FHA insured if > than 90 days from close

Plat Drawing / Survey, (if applicable)

If attached Condo, provide Lender Unit Certification form

Tax Certification Sheet

HUD-92561 (Hotel/Transient Use – required if 2+ units)

Closing Disclosure & Itemization(s) IF DPA, source of DPA

DPA letters (award signed by borrower(s) and commitment)

must be disclosed

Initial Escrow Account Disclosure

FHA New Construction Section

Builder’s Certificate (HUD-92541)

Hazard Policy with paid receipt to include Mortgagee Clause

Builder’s Warranty of Completion (HUD-92544)

to U.S. Bank National Association

Evidence of 10 Year Warranty, or in lieu of Warranty,

Standard Flood Hazard Determination

Builder’s Permit & Certificate of Occupancy

Notice to Borrower in Special Flood Hazard Area, signed and

Final Inspection (HUD-92051 or 1004D, if applicable)

dated on or before closing, (if applicable)

Flood Policy with paid receipt (if applicable), to include

VA Section

VA-26-1802A to include pages 1-2

Mortgagee Clause to U.S. Bank National Association

VA-26-1820 Report & Certification of Loan Disbursement

Wind/Hail Policy with paid receipt (if applicable)

Certificate of Eligibility (COE) for Veteran borrower

Notice of Assignment of Servicing Rights

VA Funding Fee Receipt reflecting settled/processed

 Anti-Steering Disclosure if applicable

VA 26-6393 Loan Analysis

Sales Contract/Purchase Agreement WITH all riders/addenda

CAIVRS Authorization for all Borrowers

Initial Loan Estimates

VA Notice of Value with all conditions

Certification of Delivery of Values (ECOA)

Borrower Certification and Authorization

Initial Uniform Residential Loan Application (URLA/1003)

VA Rider to Security Instrument (or 5 clauses)

signed & dated by Interviewer w/Addendum if FHA/VA

Escape Clause / Amendatory Clause (Purchase only)

All Corrective Loan Estimates

VA-26-0592 Counseling Checklist (active duty only)

1008 (FNMA) Uniform Underwriting Transmittal

VA HUD-1 Itemization (lines 801, 1100, and all credits)

(Conventional/USDA)

Lender Loan Quality Certification (Title 38 USC)

Final initialed, fully executed Uniform Residential

VA 26-1866 Commitment Cert (if Prior Approval from VA)

Loan Application (URLA / 1003) W/Addendum (FHA/VA)

VA Loan Guaranty Certificate (if > 90 days from close)

Signed Mortgage Insurance Cert/Evidence of payment to MI

Termite/Wood Destroying Insect/Soil Treatment Guaranty

Company (if applicable)

 Private Mortgage Insurance Disclosure (if applicable)

Manufactured Homes Section (FHA/VA/USDA only)

 Amortization Schedule

Alta 7.1-06 (or equivalent) on Title Commit/Final Title Policy

 Pay History (if applicable) w/copy of check if principal

Manufactured Home Rider or Security Instrument with

reduction

Manufactured Home information as part of Legal Description

 Final Closing Disclosure signed & dated @ loan consummation

Manufactured Home Affidavit of Affixation

 Seller Closing Disclosure (if applicable)

Engineer Foundation Report / Structural Certification

 Appraisal(s) for subject property to include all pages

Manufactured Home Limited Power of Attorney

Appraisal Delivery Certification Acknowledgement Form

Evidence of Title Surrender to State

 FNMA UCDP/SSR Submission Summary Reports

USDA Section

Final Inspection(s) (if appraisal shows “subject to repairs”)

RD 3555-18 Conditional Commitment with all attachments /GUS

Work Completion Escrow Agreement (if applicable)

Findings

FFIEC Rate Spread Calculator Results (if HPML)

1008 Underwriting Transmittal

Documentation of Lender Lock-in Date (if HPML)

RD 3555-19 Guaranteed Loan Closing Report

DU/LP/GUS with all pages included (if applicable)

RD 3555-21 Request for SFH Loan Guarantee

VOE for each employed borrower – Verbal for all employment

Lender Certification for SFH Guaranteed Loan

terminated during recent tax year/current year

RD 3555-17 Loan Note Guarantee (if > 90 days from close)

Credit Report(s) for all Borrowers & Credit Score Disclosure

HFA Specific Documents (IHDA upload)

Underwriting Conditions



IRS W-9 (primary borrower only)



IRS 4506-T (8821 if self-employed) for all borrowers

Data Summary & Submission Cover

 Most recent year’s IRS Tax Transcript or Record of



Borrower Affidavit

Account for all borrowers



Seller Affidavit

 1 month Year-to-Date paystubs (IHDA required)



Lender signed Tax Code Compliance Certification

INCL paystubs for Spouse/Household occupants 18 or over



Income Calculator with supporting docs

and/or signed letter stating no income earned/received – signed



Income Certification w/3 years signed tax

YTD P & L if self employed

2 years most recent W-2/1099 (if required per DU/LP)

returns/transcripts (borrower/co-bor and spouse) and IF

IHDA requires most recent year only

applicable, signed income letter from non-borrowing

3 years most recent fully executed tax returns OR

spouse/HH occupants 18+

transcripts from IRS (required by IHDA)



Recapture Notice (MRB or MCC)

2 to 3 months Bank Statements each account



Borrower Authorization for Release of Information

Homebuyers Education Certificate – signed by borrower(s)



Evidence of Completion of Homeownership Counseling

Non-HFA Gift/Grant Letter(s) & proof of transfer (if



Commitment/Reservation Confirmation(s)

applicable)



Compliance / Errors and Omissions Agreement

MCC documents (25, 26, 28, 29, 32, 33, copy of check

Customer ID Notice – Patriot Act (USBHM u/w only)

for fee, MCC 27 when applicable) OR MCC opt out

Landlord Counseling Certificate (if applicable)



HUD1/CD, note(s), mortgage(s)

 Homeownership Counseling Organizations Disclosure



Payment letter for 2

/ Servicing Letter

Borrower Authorization for Counseling (FNMA)



Appraisal

Borrower Authorization for Release of Private Information



1stHome only:

(loans committed 3/2/2015 or after) – Original to US Bank HFA 



HHF Dodd-Frank certification



Summary Disclosure

UPLOADED TO MITAS ON_______________________________



10/20/2015

Ihda Hfa Loan Delivery (Upload) Checklist

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