Uniform Residential Loan Application

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Uniform Residential Loan Application
This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as
applicable. Co-Borrower information must also be provided (and the appropriate box checked) when
the income or assets of a person other than the "Borrower"
(including the Borrower's spouse) will be used as a basis for loan qualification or
the income or assets of the Borrower's spouse or other person who has community
property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person
has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property
state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
Borrower
Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN
Mortgage
Applied for:
Amount
$
VA
FHA
270,019
Agency Case Number
Conventional
Other (explain):
USDA/Rural
Housing Service
Amortization Type:
Interest Rate
No. of Months
Fixed Rate
4.875 %
360/360
GPM
Lender Case Number
Other (explain):
ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Subject Property Address (street, city, state, & ZIP)
123 SOME LOCATION, Saint Louis, MO 63132
No. of Units
County: Saint Louis
1
Legal Description of Subject Property (attach description if necessary)
Year Built
1980
Purpose of Loan
Purchase
Refinance
Construction
Construction-Permanent
Property will be:
Primary Residence
Other (explain):
Complete this line if construction or construction-permanent loan.
Year Lot
Original Cost
Amount Existing Liens
(a) Present Value of Lot
Acquired
$
$
$
Complete this line if this is a refinance loan.
Year
Original Cost
Amount Existing Liens
Acquired
$
Title will be held in what Name(s)
(b) Cost of Improvements
Total (a+b)
$
$
Describe Improvements
Purpose of Refinance
$
Secondary Residence
made
Cost: $
Manner in which Title will be held
SOME BORROWER
SOME J OTHERBORROWER
Investment
to be made
Estate will be held in:
HUSBAND AND WIFE
Fee Simple
Leasehold(show
expiration date)
Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)
Checking/Savings
Borrower
III. BORROWER INFORMATION
Co-Borrower
Borrower's Name (include Jr. or Sr. if applicable)
Co-Borrower's Name (include Jr. or Sr. if applicable)
SOME BORROWER
SOME J OTHERBORROWER
Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School
111-11-1111
314-555-1212
Married (includes registered domestic partners)
06/15/1971
16
111-11-1111
Dependents (not listed by
Co-Borrower)
2
Unmarried (includes single, divorced, widowed)
No.
Separated
Ages 11,7
314-555-1212
Married (includes registered domestic partners)
06/15/1972
Borrower)
Unmarried (includes single, divorced, widowed)
No.
Separated
Ages
Own
Rent 5 No. Yrs.
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP)
Own
Rent
No. Yrs. Former Address (street, city, state, ZIP)
Own
Rent
No. Yrs.
Former Address (street, city, state, ZIP)
Own
Rent
No. Yrs.
Present Address (street, city, state, ZIP/ country)
Own
Rent 5 No. Yrs. Present Address (street, city, state, ZIP/ country)
16
Dependents (not listed by
123 PRESENT LOCATION
123 PRESENT LOCATION
Saint Louis, MO 63132 / United States
Saint Louis, MO 63132 / United States
Mailing Address, if different from Present Address
Mailing Address, if different from Present Address
Fannie Mae Form 1003 07/05
CALYX Form Loanapp1.frm (04/08)
Own
Rent
No. Yrs. Former Address (street, city, state, ZIP)
Page 1 of 5
Borrower
Co-Borrower
Freddie Mac Form 65
07/05
Borrower
Name & Address of Employer
Self Employed
IV. EMPLOYMENT INFORMATION
Yrs. on this job
Name & Address of Employer
WORK, INC
10403 SOME WORK ADDRESS
Saint Louis, MO 63132
3 yr(s) 1 mth(s)
Co-Borrower
Self Employed
COWORK, INC
Yrs. employed in this 10 SOME OTHER WORK ADDRESS
line of work/profession
Saint Louis, MO 63132
5
Yrs. on this job
2 yr(s) 6 mth(s)
Yrs. employed in this
line of work/profession
4
Position/Title/Type of Business
Business Phone (incl. area code)
Position/Title/Type of Business
Business Phone (incl. area code)
ACCOUNT EXECUTIVE
314-555-1212
ADMINISTRATIVE ASSISTANT
314-555-1212
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name & Address of Employer
Self Employed
Dates (from-to)
Name & Address of Employer
Self Employed
Monthly Income
$
Position/Title/Type of Business
Name & Address of Employer
Monthly Income
$
Business Phone (incl. area code)
Self Employed
Position/Title/Type of Business
Business Phone (incl. area code)
Name & Address of Employer
Dates (from-to)
Self Employed
Monthly Income
$
Position/Title/Type of Business
Name & Address of Employer
Position/Title/Type of Business
Business Phone (incl. area code)
Name & Address of Employer
Dates (from-to)
Self Employed
Name & Address of Employer
Business Phone (incl. area code)
Self Employed
Position/Title/Type of Business
Business Phone (incl. area code)
Name & Address of Employer
Dates (from-to)
Self Employed
Monthly Income
$
Position/Title/Type of Business
Dates (from-to)
Monthly Income
$
Monthly Income
$
Position/Title/Type of Business
Dates (from-to)
Monthly Income
$
Business Phone (incl. area code)
Self Employed
Dates (from-to)
Dates (from-to)
Monthly Income
$
Business Phone (incl. area code)
Position/Title/Type of Business
Business Phone (incl. area code)
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Gross
Monthly Income
Base Empl. Income*
Borrower
$
5,000.00
Co-Borrower
$
3,000.00
Total
$
8,000.00
Combined Monthly
Housing Expense
Rent
Present
Proposed
$
Overtime
First Mortgage (P&I)
Bonuses
Other Financing (P&I)
Commissions
Hazard Insurance
65.00
Dividends/Interest
Real Estate Taxes
125.00
Net Rental Income
Mortgage Insurance
121.63
Other (before completing,
Homeowner Assn. Dues
see the notice in "describe
other income," below)
Total
*
$
1,428.96
Other:
$
5,000.00
$
3,000.00
$
8,000.00
Total
$
$
1,740.59
Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Describe Other Income
Notice: Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
B/C
Monthly Amount
$
Fannie Mae Form 1003 07/05
CALYX Form Loanapp2.frm 09/05
Page 2 of 5
Borrower
Co-Borrower
Freddie Mac Form 65
07/05
VI. ASSETS AND LIABILITIES
This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers if their assets and liabilities are sufficiently joined
so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section
was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed by that spouse or other person also.
Completed
Jointly
Not Jointly
ASSETS
Description
Cash deposit toward
purchase held by:
Cash or
Market Value
Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding
debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,
stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be
satisfied upon sale of real estate owned or upon refinancing of the subject property.
$
Monthly Payment &
Months Left to Pay
$ Payment/Months
LIABILITIES
List checking and savings accounts below
Name and address of Company
Name and address of Bank, S&L, or Credit Union
TOYOTA MOTOR CREDIT
Unpaid Balance
$
CHECKING ACCOUNT
Acct. no.
$
Name and address of Bank, S&L, or Credit Union
375
Acct. no.
Name and address of Company
75,000
$
BANK OF AMERICA
15
Acct. no.
Name and address of Company
Acct. no.
14,597
$ Payment/Months
$
1,351
$ Payment/Months
$
GEMB/SAMS CLUB DC
Name and address of Bank, S&L, or Credit Union
Acct. no.
$
Stocks & Bonds (Company
name/number description)
$
AMERICAN FUNDS
Life insurance net cash value
75,000
Acct. no.
Name and address of Company
$ Payment/Months
$
Acct. no.
Name and address of Company
$ Payment/Months
$
Acct. no.
Name and address of Company
$ Payment/Months
$
15
1,196
$
Face amount: $
Subtotal Liquid Assets
$
150,000
Real estate owned (enter market value $
from schedule of real estate owned)
Vested interest in retirement fund
$
Net worth of business(es) owned
(attach financial statement)
Automobiles owned (make and year)
$
$
Acct. no.
Alimony/Child Support/Separate
Maintenance Payments Owed to:
Other Assets (itemize)
$
Job-Related Expense (child care, union dues, etc.) $
$
Total Monthly Payments
Total Assets a.
$
=>
Net Worth
(a minus b)
150,000
$
$
Total Liabilities b.
132,856
Schedule of Real Estate Owned (if additional properties are owned, use continuation sheet)
Property Address (enter S if sold, PS if pending
sale or R if rental being held for income)
Type of
Property
Totals
405
Present
Amount of
Gross
Market Value Mortgages & Liens Rental Income
Mortgage
Payments
$
17,144
Insurance,
Maintenance,
Net
Taxes & Misc. Rental Income
$
$
$
$
$
$
$
$
$
$
$
$
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name
Fannie Mae Form 1003 07/05
CALYX Form Loanapp3.frm 09/05
Creditor Name
Page 3 of 5
Account Number
Borrower
Co-Borrower
Freddie Mac Form 65
07/05
VII. DETAILS OF TRANSACTION
a. Purchase price
VIII. DECLARATIONS
275,000.00 If you answer "Yes" to any questions a through i,
$
b. Alterations, improvements, repairs
please use continuation sheet for explanation.
c. Land (if acquired separately)
a. Are there any outstanding judgments against you?
Borrower Co-Borrower
Yes No
Yes No
b. Have you been declared bankrupt within the past 7 years?
d. Refinance (incl. debts to be paid off)
c. Have you had property foreclosed upon or given title or deed in lieu thereof
1,535.00
in the last 7 years?
2,250.00
d. Are you a party to a lawsuit?
4,644.06
e. Estimated prepaid items
f. Estimated closing costs
g. PMI, MIP, Funding Fee
e. Have you directly or indirectly been obligated on any loan which resulted in
h. Discount (if Borrower will pay)
foreclosure, transfer of title in lieu of foreclosure, or judgment?
283,429.06
i. Total costs (add items a through h)
j. Subordinate financing
3,500.00
k. Borrower's closing costs paid by Seller
(This would include such loans as home mortgage loans, SBA loans, home improvement
loans, educational loans, manufactured (mobile) home loans, any mortgage, financial
obligation, bond, or loan guarantee. If "Yes," provide details, including date, name and
address of Lender, FHA or VA case number, if any, and reasons for the action.)
f. Are you presently delinquent or in default on any Federal debt or any other
l. Other Credits (explain)
loan, mortgage, financial obligation, bond, or loan guarantee?
If "Yes," give details as described in the preceding question.
g. Are you obligated to pay alimony, child support, or separate maintenance?
h. Is any part of the down payment borrowed?
i. Are you a co-maker or endorser on a note?
-----------------------------------------------------------j. Are you a U. S. citizen?
k. Are you a permanent resident alien?
l. Do you intend to occupy the property as your primary residence?
m. Loan amount (exclude PMI, MIP,
Funding Fee financed)
If "Yes," complete question m below.
265,375.00 m. Have you had an ownership interest in a property in the last three years?
4,644.00
(1) What type of property did you own-principal residence (PR),
second home (SH), or investment property (IP)?
270,019.00
n. PMI, MIP, Funding Fee financed
o. Loan amount (add m & n)
(2) How did you hold title to the home-solely by yourself (S),
p. Cash from/to Borrower (subtract j, k, l &
o from i)
9,910.06
jointly with your spouse (SP), or jointly with another person (O)?
IX. ACKNOWLEDGEMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and
agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any
misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the
property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the
property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether
or not the loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and
I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the
Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors, or assigns may, in addition to any other rights and remedies that it may
have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan
account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing
my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application
containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information
contained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this application
or a consumer reporting agency.
Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit provided that I/we have paid for the
90 days
appraisal report. To obtain a copy, I/we must send Creditor a written request at the mailing address Creditor has provided. Creditor must hear from us no later than ____
after Creditor notifies me/us about the action taken on this application, or I/we withdraw this application.
If you would like a copy of the appraisal report, contact:
ACCORD FINANCIAL, INC. 7777 BONHOMME STE 2102 Clayton, MO 63105
Borrower's Signature
Date
Co-Borrower's Signature
X
Date
X
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit
opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may
not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you
may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual
observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above
material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)
BORROWER
I do not wish to furnish this information
CO-BORROWER
I do not wish to furnish this information
Ethnicity:
Hispanic or Latino
Not Hispanic or Latino
Ethnicity:
Hispanic or Latino
Not Hispanic or Latino
American Indian or
Alaska Native
Asian
Race:
American Indian or
Alaska Native
Asian
Native Hawaiian or
Other Pacific Islander
White
Native Hawaiian or
Other Pacific Islander
White
Female
Male
Female
Male
Race:
Sex:
To be Completed by Interviewer
This application was taken by:
Face-to-face interview
Mail
Telephone
Internet
Fannie Mae Form 1003 07/05
CALYX Form Loanapp4.frm (04/08)
Black or
African American
Sex:
Interviewer's Name (print or type)
Black or
African American
Name and Address of Interviewer's Employer
PHIL LEFEVRE
Interviewer's Signature
Date
05/10/2015
Interviewer's Phone Number (incl. area code)
314-721-1009
Page 4 of 5
ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
Clayton, MO 63105
(P) 314-721-1009
(F) 314-721-1030
Freddie Mac Form 65
07/05
Borrowers' Certification and Authorization
CERTIFICATION
The Undersigned certify the following:
ACCORD FINANCIAL, INC.
1. I/We have applied for a mortgage loan through __________________________________.
In applying
for the loan, I/We completed a loan application containing various information on the purpose of the
loan, the amount and source of the down payment, employment and income information, and the assets
and liabilities. I/We certify that all of the information is true and complete. I/We made no
misrepresentations in the loan application or other documents, nor did I/We omit any pertinent
information.
2.
ACCORD FINANCIAL, INC.
I/We understand and agree that ___________________________________________reserves
the right to
change the mortgage loan review processes to a full documentation program. This may include verifying
the information provided on the application with the employer and/or the financial institution.
3.
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to
knowingly make any false statements when applying for this mortgage, as applicable under the
provisions of Title 18, United States Code, Section 1014.
AUTHORIZATION TO RELEASE INFORMATION
To Whom It May Concern:
FINANCIAL, INC.
1. I/We have applied for a mortgage loan through ACCORD
________________________________.
As part of
ACCORD FINANCIAL, INC.
the application process, _____________________________________
and the mortgage guaranty insurer
(if any), may verify information contained in my/our loan application and in other documents required in
connection with the loan, either before the loan is closed or as part of its quality control program.
ACCORD FINANCIAL, INC.
2. I/We authorize you to provide to ________________________________
and to any investor to
ACCORD FINANCIAL, INC.
whom ___________________________________
may sell my mortgage, any and all information and
documentation that they request. Such information includes, but is not limited to, employment history
and income; bank, money market and similar account balances; credit history; and copies of income tax
returns.
ACCORD FINANCIAL, INC.
3. ____________________________________
or any investor that purchases the mortgage may address
this authorization to any party named in the loan application.
4. A copy of this authorization may be accepted as an original.
Borrower Signature
Co-Borrower Signature
SOME BORROWER
SSN: 111-11-1111
Calyx Form - borcera.frm (12/05)
Date:
SOME J OTHERBORROWER
SSN: 111-11-1111
Date:
MORTGAGE BROKERAGE BUSINESS CONTRACT
SOME BORROWER and SOME J OTHERBORROWER
(hereinafter called Borrower), employs
ACCORD FINANCIAL, INC.
(hereinafter called Business) to obtain a mortgage loan commitment (hereinafter called Commitment) within
days from
the date hereof and acknowledges that Business cannot make loans or commitments or guarantee acceptance into specific programs,
terms or conditions of any loan. However, Business may issue a rate lock-in or commitment on behalf of a lender to the Borrower.
I. PROPERTY:
Address: 123 SOME LOCATION
Saint Louis, MO 63132
Borrower's estimates of fair market value: $
Borrower's estimates of the balances on any existing mortgage loan: $
II. TERMS OF LOAN APPLICATION:
Loan Amount: $
Interest Rate:
%
270,019
4.875
1,428.96
Monthly Payment: $
Loan Type:
First Mortgage
Second/Junior Mortgage
Loan Term/Due In:
360
months / 360 months
III. MORTGAGE BROKERAGE FEE
Business, in consideration of the Borrower's agreement to pay a mortgage brokerage fee along with actual costs incurred in connection
with this loan, agrees to exert its best efforts to obtain a bona fide mortgage loan commitment in accordance with the terms (or better
terms) and conditions set forth herein. The Business and its associates or employees shall be held harmless from any liability resulting
from failure to obtain said loan commitment. Borrower hereby agrees to pay the actual costs as estimated herein and Borrower
agrees to pay Business a mortgage brokerage fee of $
for obtaining the commitment. Additionally, Borrower
acknowledges that Business may receive additional compensation from Lender based on the mortgage program and terms Borrower has
engaged Business to obtain in securing the commitment and that Business will receive a sum in range of
% to
%
of the total loan amount. This additional compensation, the exact amount of which will be disclosed at the time of closing, is part of
the total brokerage fee due Business. In no event will the brokerage fee, additional compensation included, exceed the maximum fee
permitted by the applicable state law.
IV. APPLICATION FEE
An application fee is charged for the initial cost of processing, verifying and preparing your loan package to submit to a lender for
commitment, and will be credited against the amount the Borrower owes if closing occurs. This fee is
Refundable
Nonrefundable
Applicable to your closing costs at the time of the settlement of your loan. Business acknowledges the receipt of
$
as an Application Fee.
V. DEPOSIT
Business acknowledge the deposit of $
will be used toward the costs incurred by the Business, or by third party, on
behalf of Borrower, to pay expenses necessary to secure the mortgage loan commitment. Actual costs incurred by the Business for
items listed on Good Faith Estimate are non-refundable, even if the mortgage loan commitment is not received. In the event of
default by the Borrower, Business is authorized to immediately disburse from the deposit all sums then due Business or any third party.
The disbursement is not a waiver of any other sums due Business by Borrower, as more fully enumerated herein. Money retained by
Business as the deposit shall be returned to the Borrower, within 60 days of disposition of the loan, in accordance with the following:
(a) the services for which the money is expended are not performed.
(b) the services for which the money is expended are performed, but there is an excess amount that would be paid as
brokerage fee but this commitment is not obtained.
VI. SERVICES TO BE PROVIDED BY MORTGAGE BROKERAGE BUSINESS
In consideration for Business earning its fee, the services to be provided by Business are: assembling information, compiling files and
completing credit application for borrower(s), processing the application file including verifying of information received and
ordering vendor reports, preparing and submitting the completed file for conditional loan commitment between borrower(s) and lender,
and any incidental services necessary to obtain commitment including courier, express mail, photographs, and telephone toll charges.
Applicant SOME BORROWER
Date
ACCORD FINANCIAL, INC.
Mortgage Brokerage Business
License #
Applicant SOME J OTHERBORROWER
Date
By
Date
Calyx Form - mbbc.frm (11/98)
Page 1 of 2
PHIL LEFEVRE
STANDARDS AND DISCLOSURES
COMMITMENT: Brokerage Business hereby agrees to act on behalf of Borrower to secure a mortgage loan commitment. Brokerage
Business cannot guarantee acceptance into any particular loan program or promise that any specific loan terms or conditions will be
obtained. Receipt of a mortgage loan commitment by Brokerage Business satisfies Brokerage Businesses obligation under the Mortgage
Brokerage Business Contract and Good Faith Estimate of Borrower's Costs and the terms of this contract are deemed fulfilled
upon receipt of the mortgage loan commitment. Brokerage Business cannot make a mortgage loan or a Mortgage Loan Commitment.
A Commitment may, however, be passed through to the Borrower if received from a lender. The term "Commitment" shall mean
a written or oral Commitment received by the Brokerage Business, unless otherwise agreed in writing between Brokerage Business
and Borrower. Upon demand by the Borrower, the Brokerage Business shall produce for the Borrower's inspection evidence of the
mortgage loan commitment.
AGENCY; NON-LIABILITY FOR LENDER'S ACTS: Borrower acknowledges that Brokerage Business is acting as an 'agent'
on behalf of the Borrower in securing a mortgage commitment pursuant to this Agreement. Borrower acknowledges that Brokerage
Business shall not be responsible for any errors of the Lender or Investor nor for any term or condition of the loan documentation
that may be contrary to any or federal law. Brokerage Business shall not be responsible for any nonperformance of a commitment
or mortgage by any Lender or Investor.
LITIGATION: In the event of any litigation arising out of this Agreement, Brokerage Business shall be entitled to all costs incurred,
including attorney's fees, whether before trial, at trial, on appeal, or in any other administrative or quasi-judicial proceedings.
ADDITIONAL CLAUSES: If not precluded by the provisions of this Agreement, any loan commitment and loan obtained by
Brokerage Business may contain such additional clauses or provisions as the Lender may request including but not limited to,
nonassumable clauses, late fee clauses and prepayment penalties.
TIME FOR PAYMENT: Unless otherwise agreed between Brokerage Business and Borrower, the mortgage brokerage fee shall be
due and payable in full upon delivery to the Borrower of mortgage loan commitment from the Lender or Investor, or may be paid
at closing, if agreed to by Brokerage Business.
DECISION: In applying for this loan, Borrower acknowledges that Borrower has reviewed his personal and financial situation and
that it is in Borrower's best interest to proceed with the loan. Borrower further acknowledges that Borrower has not relied on the
advice of the Mortgage Brokerage Business or its colleagues as to wisdom of doing so.
GOOD FAITH ESTIMATE OF COSTS: The estimated costs stated may be expressed as a range of possible costs and can be charged
only when such costs have actually been incurred in connection with securing the loan or loan commitment. Actual costs incurred for
items which include, but are not limited to, express mail fees, long distance calls and photographs will be paid by Borrower unless
otherwise stated herein.
TITLE: Borrower represents and warrants that he is the fee simple title holder to the property described in this Agreement and there
are no liens, judgements, unpaid taxes or mortgages which will effect title to the property except
Borrower agrees to pay all costs necessary to clear any defect if status of the title differs from the representation made herein .
DEFAULT: If commitment is secured and title is not found to be good, marketable and insurable by the attorney or title company
acting for the lender, or the Borrower refuses to execute and deliver the documents required by the lender, or in any other way fails
to comply with this Agreement, or if for any reason the loan referred to herein cannot be closed through no fault of the Brokerage
Business, Borrower acknowledges that the full brokerage fee has been earned by Brokerage Business and agrees to immediately pay
same plus any and all costs incurred on Borrower's behalf.
DISCLOSURE: Borrower acknowledges that Brokerage Business has advised him any existing business relationship Brokerage
Business has with any vendor. Borrower also acknowledges that Lender may require certain preapproved vendors be used exclusively
for services required by this agreement. Brokerage Business has no business relationship with any vendor except as may be listed
on attached Provider Relationship form.
SEVERABILITY OF CLAUSES CONTAINED HEREIN: In the event that any part or portion of this Agreement is held invalid
or unlawful through any administrative, quasi-judicial, or judicial proceeding, the invalidity or illegality thereof shall not effect the
validity of this Agreement as a whole and the other provisions and terms contained herein shall remain in full force and effect as if
the illegal or invalid provision had been eliminated.
Applicant SOME BORROWER
Calyx Form - mbbc2.frm (11/98)
Date
Applicant SOME J OTHERBORROWER
Page 2 of 2
Date
DISCLOSURE NOTICES
Date: 05/10/2015
Applicant(s):
Property Address:
SOME BORROWER
123 SOME LOCATION
SOME J OTHERBORROWER
Saint Louis, MO 63132
AFFIDAVIT OF OCCUPANCY
Applicant(s) hereby certify and acknowledge that, upon taking title to the real property described above, their occupancy
status will be as follows:
Primary Residence - Occupied by Applicant(s) within 30 days of closing.
Secondary Residence - To be occupied by Applicant(s) at least 15 days yearly, as second home (vacation, etc.),
while maintaining principal residence elsewhere. [Please check this box if you plan to establish it as your primary
residence at a future date (e.g., retirement)].
Investment Property - Not owner occupied. Purchased as an investment to be held or rented.
The Applicant(s) acknowledge it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false
statement concerning this loan application as applicable under the provisions of Title 18, United States Code, Section 1014.
APPLICANT SIGNATURE
CO-APPLICANT SIGNATURE
ANTI-COERCION STATEMENT
The insurance laws of this state provide that the lender may not require the applicant to take insurance through any
particular insurance agent or company to protect the mortgaged property. The applicant, subjected to the rules adopted by
the Insurance Commissioner, has the right to have the insurance placed with an insurance agent or company of his choice,
provided the company meets the requirement of the lender. The lender has the right to designate reasonable financial
requirements as to the company and the adequacy of the coverage.
I have read the foregoing statement, or the rules of the Insurance Commissioner relative hereto, and understand my rights
and privileges and those of the lender relative to the placing of such insurance.
I have selected the following agencies to write the insurance covering the property described above:
Insurance Company Name
Agent
Agent's Address
Agent's Telephone Number
APPLICANT SIGNATURE
CO-APPLICANT SIGNATURE
FAIR CREDIT REPORTING ACT
An investigation will be made as to the credit standing of all individuals seeking credit in this application. The nature and scope
of any investigation will be furnished to you upon written request made within a reasonable period of time. In the event of credit
denial due to an unfavorable consumer report, you will be advised of the identity of the Consumer Reporting Agency making such
report and of your right to request within sixty (60) days the reason for the adverse action, pursuant to provisions of section 615(b)
of the Fair Credit Reporting Act.
APPLICANT SIGNATURE
CO-APPLICANT SIGNATURE
FHA LOANS ONLY
IF YOU PREPAY YOUR LOAN ON OTHER THAN THE REGULAR INSTALLMENT DATE, YOU MAY BE ASSESSED INTEREST
CHARGES UNTIL THE END OF THAT MONTH.
GOVERNMENT LOANS ONLY
RIGHT TO FINANCIAL PRIVACY ACT OF 1978 - This is a notice to you as required by the Right to Financial Privacy Act of 1978 that the
Department of Housing and Urban Development or Department of Veterans Affairs has a right of access to financial records held by a financial
institution in connection with the consideration of administration of assistance to you. Financial records involving your transaction will be
available to the Department of Housing and Urban Development or Department of Veterans Affairs without further notice or authorization but
will not be disclosed or released to another Government agency or Department without your consent except as required or permitted by law.
APPLICANT SIGNATURE
Calyx Form - disnot.frm (9/98)
CO-APPLICANT SIGNATURE
EQUAL CREDIT OPPORTUNITY ACT
APPLICATION NO:
SAMPLE FHA
PROPERTY ADDRESS:
Date: 05/10/2015
123 SOME LOCATION
Saint Louis, MO 63132
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided
the applicant has the capacity to enter into a binding contract); because all or part of the
applicant's income derives from any public assistance program; or because the applicant has in
good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that
administers compliance with this law concerning this company is the Office of the Comptroller of the
Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Houston, Texas 77010
We are required to disclose to you that you need not disclose income from alimony, child support
or separate maintenance payment if you choose not to do so.
Having made this disclosure to you, we are permitted to inquire if any of the income shown on
your application is derived from such a source and to consider the likelihood of consistent
payment as we do with any income on which you are relying to qualify for the loan for which you
are applying.
SOME BORROWER
CALYX Form Ecoa.hp 4/95
(Applicant)
(Date)
(Applicant)
(Date)
SOME J OTHERBORROWER
(Applicant)
(Date)
(Applicant)
(Date)
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
APPLICANT(S) NAME AND ADDRESS
LENDER NAME AND ADDRESS (ORIGINATOR):
SOME BORROWER
SOME J OTHERBORROWER
ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
123 PRESENT LOCATION
Clayton, MO 63105
Saint Louis MO, 63132
(P) 314-721-1009, (F) 314-721-1030
In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.
The credit score is a computer-generated summary calculated at the time of the request and based on information a consumer reporting
agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important
because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what
interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit
history and payment patterns change, and how credit-scoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit related information that is
being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency
at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score.
The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with
specific reasons for the decision on a loan application.
If you have questions concerning the terms of the loan, contact the lender.
The consumer reporting agencies listed below provided a credit score that was used in connection with your home loan application.
Consumer Reporting Agency
Experian
P.O. Box 2002
Allen, TX 75013
(P)888-397-3742
Model Used:
ExperianFairIsaac
Borrower: SOME BORROWER
Score:
Created: 03/27/2009
+795
Co-Brw: SOME J OTHERBORROWER
Score: +725
Created: 03/27/2009
Factors
Factors
08 TOO MANY INQUIRIES LAST 12 MONTHS
10 PROPORTION OF BALANCE TO HIGH CREDIT
ON BANK REVOLVING OR ALL REVOLVING
ACCOUNTS
14 LENGTH OF TIME ACCOUNTS HAVE BEEN
ESTABLISHED
05 TOO MANY ACCOUNTS WITH BALANCES
40 DEROGATORY PUBLIC RECORD OR
COLLECTION FILED
20 TIME SINCE DEROGATORY PUBLIC RECORD
OR COLLECTION IS TOO SHORT
32 LACK OF RECENT INSTALLMENT LOAN
INFORMATION
10 PROPORTION OF BALANCE TO HIGH CREDIT
ON BANK REVOLVING OR ALL REVOLVING
ACCOUNTS
Range of Possible Scores
300
850
to
page 1 of 2
Calyx Form - csid1.frm (11/07)
Consumer Reporting Agency
Borrower: SOME BORROWER
Co-Brw: SOME J OTHERBORROWER
TransUnion
Score: +793
Score:
P.O. Box 1000
Chester, PA 19022
(P)800-888-4213
Model Used:
FICORiskScoreClassic04
Created: 03/27/2009
+727
Created: 03/27/2009
Factors
Factors
030 TIME SINCE MOST RECENT ACCOUNT
OPENING IS TOO SHORT
012 LENGTH OF TIME REVOLVING ACCOUNTS
HAVE BEEN ESTABLISHED
003 PROPORTION OF LOAN BALANCES TO LOAN
AMOUNTS IS TOO HIGH
028 NUMBER OF ESTABLISHED ACCOUNTS
040 DEROGATORY PUBLIC RECORD OR
COLLECTION FILED
020 LENGTH OF TIME SINCE DEROGATORY
PUBLIC RECORD OR COLLECTION IS TOO
SHORT
008 TOO MANY INQUIRIES LAST 12 MONTHS
Score:
Score:
Range of Possible Scores
to
336
843
Equifax
P.O. Box 740241
Atlanta, GA 30374
(P)800-685-1111
Model Used:
EquifaxBeacon5.0
+798
Created: 03/27/2009
+724
Created: 03/27/2009
Factors
Factors
00008 TOO MANY INQUIRIES LAST 12 MONTHS
00011 AMOUNT OWED ON REVOLVING
ACCOUNTS IS TOO HIGH
00010 PROPORTION OF BALANCES TO CREDIT
LIMITS IS TOO HIGH ON BANK REVOLVING OR
OTHER REVOLVING ACCOUNTS
00040 DEROGATORY PUBLIC RECORD OR
COLLECTION FILED
00014 LENGTH OF TIME ACCOUNTS HAVE BEEN
ESTABLISHED
Range of Possible Scores
to
300
850
I/We have received a copy of this disclosure.
Applicant SOME BORROWER
Date
Applicant SOME J OTHERBORROWER
page 2 of 2
Date
Calyx Form - csid2.frm (11/07)
MORTGAGE LOAN ORIGINATION AGREEMENT
(Warning to Broker: The content of this form may vary depending upon the state in which it is used.)
You SOME BORROWER / SOME J OTHERBORROWER
agree to enter into this Mortgage Loan Origination
Agreement with ACCORD FINANCIAL, INC.
as an independent contractor to apply for a
residential mortgage loan from a participating lender with which we from time to time contract upon such
terms and conditions as you may request or a lender may require. You inquired into mortgage financing with
on 04/14/2009.
ACCORD FINANCIAL, INC.
We are licensed as a "Mortgage Broker" under
SECTION 1. NATURE OF RELATIONSHIP.
In connection with this mortgage loan:
*
We are acting as an independent contractor and not as your agent.
*
We will enter into separate independent contractor agreements with various lenders.
*
While we seek to assist you in meeting your financial needs, we do not distribute the products
of all lenders or investors in the market and cannot guarantee the lowest price or best terms
available in the market.
SECTION 2. OUR COMPENSATION. The lenders whose loan products we distribute generally
provide their loan products to us at a wholesale rate.
*
The retail price we offer you - your interest rate, total points and fees - will include our
compensation.
*
In some cases, we may be paid all of our compensation by either you or the lender.
*
Alternatively, we may be paid a portion of our compensation by both you and the lender. For
example, in some cases, if you would rather pay a lower interest rate, you may pay higher
up-front points and fees.
*
Also, in some cases, if you would rather pay less up front, you may be able to pay some or all
of our compensation indirectly through a higher interest rate in which case we will be paid
directly by the lender.
We also may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing
rights in the market place or (ii) other services, goods or facilities performed or provided by us to the
lender.
By signing below, the mortgage loan originator and mortgage loan applicant(s) acknowledge receipt of
a copy of this signed Agreement.
MORTGAGE LOAN ORIGINATOR
APPLICANT(S)
ACCORD FINANCIAL, INC.
Company Name
SOME BORROWER / SOME J OTHERBORROWER
Applicant Name(s)
7777 BONHOMME STE 2102
123 PRESENT LOCATION
Address
Address
Clayton, MO 63105
Saint Louis, MO 63132
City, State, Zip
City, State, Zip
314-721-1009 / 314-721-1030
Phone/Fax
Borrower Signature
Date
Co-Borrower Signature
Date
Broker or Authorized Agent Signature
Date
Calyx Form MLOA.FRM 7/01
Form
4506-T
(Rev. January 2008)
Department of the Treasury
Internal Revenue Service
Request for Transcript of Tax Return
Do not sign this form unless all applicable lines have been completed.
Read the instructions on page 2.
Request may be rejected if the form is incomplete, illegible, or any required
line was blank at the time of signature.
OMB No. 1545-1872
TIP: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to
order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name shown first.
SOME BORROWER
2a If a joint return, enter spouse’s name shown on tax return
1b First social security number on tax return or
employer identification number (see instructions)
111-11-1111
2b Second social security number if joint tax return
SOME J OTHERBORROWER
3
111-11-1111
Current name, address (including apt., room, or suite no.), city, state, and ZIP code
123 PRESENT LOCATION Saint Louis, MO 63132
4
Previous address shown on the last return filed if different from line 3
5
If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
and telephone number. The IRS has no control over what the third party does with the tax information.
Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506 -T, and lines 6 and 9 are blank.
6
Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax
form number per request.
a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for the
following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts
are available for the current year and returns processed during the prior 3 processing years.
Most requests
will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax
liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days.
c
Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year
and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . . . . . . .
7
Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed within
10 business days.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from
these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript
information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,
W-2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you
should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days. . . . . . . . . .
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099
filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9
Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four
years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter
each quarter or tax period separately.
/
/
/
/
/
/
/
/
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner,
guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to
execute Form 4506-T on behalf of the taxpayer.
Telephone number of taxpayer on
line 1a or 2a
(
Sign
Here
Signature (see instructions)
)
Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Calyx Form - tax4506t1.frm (04/08)
Date
Cat. No. 37667N
Form
4506-T (Rev. 1-2008)
Form 4506-T (1-2008)
Page
General Instructions
Chart for all other transcripts
Purpose of form. Use Form 4506-T to
request tax return information. You can
also designate a third party to receive the
information. See line 5.
If you lived in or
your business
was in:
Tip. Use Form 4506, Request for Copy of
Tax Return, to request copies of tax
returns.
Where to file. Mail or fax Form 4506-T to
the address below for the state you lived
in, or the state your business was in, when
that return was filed. There are two
address charts: one for individual
transcripts (Form 1040 series and Form
W-2) and one for all other transcripts.
If you are requesting more than one
transcript or other product and the chart
below shows two different RAIVS teams,
send your request to the team based on
the address of your most recent return.
Note: You can also call 1-800-829-1040 to
request a transcript or get more
information.
Chart for individual
transcripts (Form 1040 series
and Form W-2)
Alabama, Alaska,
Arizona, Arkansas,
California, Colorado,
Florida, Georgia,
Hawaii, Idaho, Iowa,
Kansas, Louisiana,
Minnesota,
Mississippi,
Missouri, Montana,
Nebraska, Nevada,
New Mexico,
North Dakota,
Oklahoma, Oregon,
South Dakota,
Tennessee, Texas,
Utah, Washington,
Wyoming, a foreign
country, or A.P.O. or
F.P.O. address
Connecticut,
Delaware, District of
Columbia, Illinois,
Indiana, Kentucky,
Maine, Maryland,
Massachusetts,
Michigan, New
Hampshire, New
Jersey, New York,
North Carolina,
Ohio, Pennsylvania,
Rhode Island, South
Carolina, Vermont,
Virginia, West
Virginia, Wisconsin
Mail or fax to the
"Internal Revenue
Service" at:
All others. See Internal Revenue Code
section 6103(e) if the taxpayer has died, is
insolvent, is a dissolved corporation, or if a
trustee, guardian, executor, receiver, or
administrator is acting for the taxpayer.
RAIVS Team
P.O. Box 9941
Mail Stop 6734
Ogden, UT 84409
801-620-6922
If you filed an
individual return
and lived in:
Mail or fax to the
"Internal Revenue
Service" at:
District of Columbia,
Maine, Maryland,
Massachusetts
New Hampshire,
New York,
Vermont
RAIVS Team
Stop 679
Andover, MA 05501
Alabama, Delaware
Florida, Georgia
North Carolina,
Rhode Island
South Carolina,
Virginia
RAIVS Team
P.O. Box 47-421
Stop 91
Doraville, GA 30362
Kentucky, Louisiana,
Mississippi,
Tennessee, Texas, a
foreign country, or
A.P.O. or F.P.O.
address
RAIVS Team
Stop 6716 AUSC
Austin, TX 73301
Alaska, Arizona,
California, Colorado,
Hawaii, Idaho, Iowa,
Kensas, Minnesota,
Montana, Nebraska,
Nevada, New Mexico,
North Dakota,
Oklahoma, Oregon,
South Dakota, Utah,
Washington,
Wisconsin, Wyoming
RAIVS Team
Stop 37106
Fresno, CA 93888
Arkansas,
Connecticut, Illinois,
Indiana, Michigan,
Missouri, New
Jersey, Ohio
Pennsylvania,
West Virginia
RAIVS Team
Corporations. Generally, Form 4506-T
Stop 6705-B41
Kansas City, MO 64999 can be signed by: (1) an officer having
legal authority to bind the corporation, (2)
any person designated by the board of
directors or other governing body, or (3)
any officer or employee on written request
816-292-6102
by any principal officer and attested to by
the secretary or other officer.
978-247-9255
770-455-2335
512-460-2272
559-456-5876
Calyx Form - tax4506t2.frm (04/08)
Partnerships. Generally, Form 4506-T
can be signed by any person who was a
member of the partnership during any part
of the tax period requested on line 9.
RAIVS Team
P.O. Box 145500
Stop 2800 F
Cincinnati, OH 45250
859-669-3592
Line 1b. Enter your employer identification
number (EIN) if your request relates to a
business return. Otherwise, enter the first
social security number (SSN) shown on the
return. For example, if you are requesting
Form 1040 that includes Schedule C
(Form 1040), enter your SSN.
Line 6. Enter only one tax form number per
request.
Signature and date. Form 4506-T must be
signed and dated by the taxpayer listed on
line 1a or 2a. If you completed line 5
requesting the information be sent to a
third party, the IRS must receive Form
4506-T within 60 days of the date signed
by the taxpayer or it will be rejected.
Individuals. Transcripts of jointly filed
tax returns may be furnished to either
spouse. Only one signature is required.
Sign Form 4506-T exactly as your name
appeared on the original return. If you
changed your name, also sign your current
name.
Documentation. For entities other than
individuals, you must attach the
authorization document. For example, this
could be the letter from the principal officer
authorizing an employee of the corporation
or the Letters Testamentary authorizing an
individual to act for an estate.
Privacy Act and Paperwork Reduction
Act Notice. We ask for the information on
this form to establish your right to gain
access to the requested tax information
under the Internal Revenue Code. We need
this information to properly identify the tax
information and respond to your request.
Sections 6103 and 6109 require you to
provide this information, including your
SSN or EIN. If you do not provide this
information, we may not be able to
process your request. Providing false or
fraudulent information may subject you to
penalties.
Routine uses of this information include
giving it to the Department of Justice for
civil and criminal litigation, and cities,
states, and the District of Columbia for use
in administering their tax laws. We may
also disclose this information to other
countries under a tax treaty, to federal and
state agencies to enforce federal nontax
criminal laws, or to federal law
enforcement and intelligence agencies to
combat terrorism.
You are not required to provide the
information requested on a form that is
subject to the Paperwork Reduction Act
unless the form displays a valid OMB
control number. Books or records relating
to a form or its instructions must be
retained as long as their contents may
become material in the administration of
any Internal Revenue law. Generally, tax
returns and return information are
confidential, as required by section 6103.
The time needed to complete and file
Form 4506-T will vary depending on
individual circumstances. The estimated
average time is: Learning about the law
or the form, 10 min.; Preparing the form,
12 min.; and Copying, assembling, and
sending the form to the IRS, 20 min.
If you have comments concerning the
accuracy of these time estimates or
suggestions for making Form 4506-T
simpler, we would be happy to hear from
you. You can write to the Internal Revenue
Service, Tax Products Coordinating
Committee, SE:W:CAR:MP:T:T:SP,1111
Constitution Ave. NW, IR-6526,
Washinton, DC 20224. Do not send the
form to this address. Instead see Where to
file on this page.
2
Form
4506-T
(Rev. January 2008)
Department of the Treasury
Internal Revenue Service
Request for Transcript of Tax Return
Do not sign this form unless all applicable lines have been completed.
Read the instructions on page 2.
Request may be rejected if the form is incomplete, illegible, or any required
line was blank at the time of signature.
OMB No. 1545-1872
TIP: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to
order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name shown first.
SOME BORROWER
2a If a joint return, enter spouse’s name shown on tax return
1b First social security number on tax return or
employer identification number (see instructions)
111-11-1111
2b Second social security number if joint tax return
SOME J OTHERBORROWER
3
111-11-1111
Current name, address (including apt., room, or suite no.), city, state, and ZIP code
123 PRESENT LOCATION Saint Louis, MO 63132
4
Previous address shown on the last return filed if different from line 3
5
If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
and telephone number. The IRS has no control over what the third party does with the tax information.
Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506 -T, and lines 6 and 9 are blank.
6
Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax
form number per request.
a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for the
following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts
are available for the current year and returns processed during the prior 3 processing years.
Most requests
will be processed within 10 business days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax
liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days.
c
Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year
and 3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . . . . . . .
7
Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed within
10 business days.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from
these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript
information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,
W-2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you
should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days. . . . . . . . . .
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099
filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9
Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four
years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter
each quarter or tax period separately.
/
/
/
/
/
/
/
/
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner,
guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to
execute Form 4506-T on behalf of the taxpayer.
Telephone number of taxpayer on
line 1a or 2a
(
Sign
Here
Signature (see instructions)
)
Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Calyx Form - tax4506t1.frm (04/08)
Date
Cat. No. 37667N
Form
4506-T (Rev. 1-2008)
Form 4506-T (1-2008)
Page
General Instructions
Chart for all other transcripts
Purpose of form. Use Form 4506-T to
request tax return information. You can
also designate a third party to receive the
information. See line 5.
If you lived in or
your business
was in:
Tip. Use Form 4506, Request for Copy of
Tax Return, to request copies of tax
returns.
Where to file. Mail or fax Form 4506-T to
the address below for the state you lived
in, or the state your business was in, when
that return was filed. There are two
address charts: one for individual
transcripts (Form 1040 series and Form
W-2) and one for all other transcripts.
If you are requesting more than one
transcript or other product and the chart
below shows two different RAIVS teams,
send your request to the team based on
the address of your most recent return.
Note: You can also call 1-800-829-1040 to
request a transcript or get more
information.
Chart for individual
transcripts (Form 1040 series
and Form W-2)
Alabama, Alaska,
Arizona, Arkansas,
California, Colorado,
Florida, Georgia,
Hawaii, Idaho, Iowa,
Kansas, Louisiana,
Minnesota,
Mississippi,
Missouri, Montana,
Nebraska, Nevada,
New Mexico,
North Dakota,
Oklahoma, Oregon,
South Dakota,
Tennessee, Texas,
Utah, Washington,
Wyoming, a foreign
country, or A.P.O. or
F.P.O. address
Connecticut,
Delaware, District of
Columbia, Illinois,
Indiana, Kentucky,
Maine, Maryland,
Massachusetts,
Michigan, New
Hampshire, New
Jersey, New York,
North Carolina,
Ohio, Pennsylvania,
Rhode Island, South
Carolina, Vermont,
Virginia, West
Virginia, Wisconsin
Mail or fax to the
"Internal Revenue
Service" at:
All others. See Internal Revenue Code
section 6103(e) if the taxpayer has died, is
insolvent, is a dissolved corporation, or if a
trustee, guardian, executor, receiver, or
administrator is acting for the taxpayer.
RAIVS Team
P.O. Box 9941
Mail Stop 6734
Ogden, UT 84409
801-620-6922
If you filed an
individual return
and lived in:
Mail or fax to the
"Internal Revenue
Service" at:
District of Columbia,
Maine, Maryland,
Massachusetts
New Hampshire,
New York,
Vermont
RAIVS Team
Stop 679
Andover, MA 05501
Alabama, Delaware
Florida, Georgia
North Carolina,
Rhode Island
South Carolina,
Virginia
RAIVS Team
P.O. Box 47-421
Stop 91
Doraville, GA 30362
Kentucky, Louisiana,
Mississippi,
Tennessee, Texas, a
foreign country, or
A.P.O. or F.P.O.
address
RAIVS Team
Stop 6716 AUSC
Austin, TX 73301
Alaska, Arizona,
California, Colorado,
Hawaii, Idaho, Iowa,
Kensas, Minnesota,
Montana, Nebraska,
Nevada, New Mexico,
North Dakota,
Oklahoma, Oregon,
South Dakota, Utah,
Washington,
Wisconsin, Wyoming
RAIVS Team
Stop 37106
Fresno, CA 93888
Arkansas,
Connecticut, Illinois,
Indiana, Michigan,
Missouri, New
Jersey, Ohio
Pennsylvania,
West Virginia
RAIVS Team
Corporations. Generally, Form 4506-T
Stop 6705-B41
Kansas City, MO 64999 can be signed by: (1) an officer having
legal authority to bind the corporation, (2)
any person designated by the board of
directors or other governing body, or (3)
any officer or employee on written request
816-292-6102
by any principal officer and attested to by
the secretary or other officer.
978-247-9255
770-455-2335
512-460-2272
559-456-5876
Calyx Form - tax4506t2.frm (04/08)
Partnerships. Generally, Form 4506-T
can be signed by any person who was a
member of the partnership during any part
of the tax period requested on line 9.
RAIVS Team
P.O. Box 145500
Stop 2800 F
Cincinnati, OH 45250
859-669-3592
Line 1b. Enter your employer identification
number (EIN) if your request relates to a
business return. Otherwise, enter the first
social security number (SSN) shown on the
return. For example, if you are requesting
Form 1040 that includes Schedule C
(Form 1040), enter your SSN.
Line 6. Enter only one tax form number per
request.
Signature and date. Form 4506-T must be
signed and dated by the taxpayer listed on
line 1a or 2a. If you completed line 5
requesting the information be sent to a
third party, the IRS must receive Form
4506-T within 60 days of the date signed
by the taxpayer or it will be rejected.
Individuals. Transcripts of jointly filed
tax returns may be furnished to either
spouse. Only one signature is required.
Sign Form 4506-T exactly as your name
appeared on the original return. If you
changed your name, also sign your current
name.
Documentation. For entities other than
individuals, you must attach the
authorization document. For example, this
could be the letter from the principal officer
authorizing an employee of the corporation
or the Letters Testamentary authorizing an
individual to act for an estate.
Privacy Act and Paperwork Reduction
Act Notice. We ask for the information on
this form to establish your right to gain
access to the requested tax information
under the Internal Revenue Code. We need
this information to properly identify the tax
information and respond to your request.
Sections 6103 and 6109 require you to
provide this information, including your
SSN or EIN. If you do not provide this
information, we may not be able to
process your request. Providing false or
fraudulent information may subject you to
penalties.
Routine uses of this information include
giving it to the Department of Justice for
civil and criminal litigation, and cities,
states, and the District of Columbia for use
in administering their tax laws. We may
also disclose this information to other
countries under a tax treaty, to federal and
state agencies to enforce federal nontax
criminal laws, or to federal law
enforcement and intelligence agencies to
combat terrorism.
You are not required to provide the
information requested on a form that is
subject to the Paperwork Reduction Act
unless the form displays a valid OMB
control number. Books or records relating
to a form or its instructions must be
retained as long as their contents may
become material in the administration of
any Internal Revenue law. Generally, tax
returns and return information are
confidential, as required by section 6103.
The time needed to complete and file
Form 4506-T will vary depending on
individual circumstances. The estimated
average time is: Learning about the law
or the form, 10 min.; Preparing the form,
12 min.; and Copying, assembling, and
sending the form to the IRS, 20 min.
If you have comments concerning the
accuracy of these time estimates or
suggestions for making Form 4506-T
simpler, we would be happy to hear from
you. You can write to the Internal Revenue
Service, Tax Products Coordinating
Committee, SE:W:CAR:MP:T:T:SP,1111
Constitution Ave. NW, IR-6526,
Washinton, DC 20224. Do not send the
form to this address. Instead see Where to
file on this page.
2
Customer Identification Documentation
Patriot Act
The USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies every customer.
Completion of this documentation is required in order to comply with the USA Patriot Act. A completed copy of this
information must be retained with the loan file.
Application Number
SAMPLE FHA
Name of Applicant
SOME BORROWER
Social Security #
111-11-1111
Present Address
123 PRESENT LOCATION / Saint Louis, MO 63132
Mailing Address
123 PRESENT LOCATION / Saint Louis, MO 63132
Date
Date of Birth
Primary Identification Documentation
Document Type
Other Document Type
Document Number
Issue Date
Expiration Date
Issued by
Secondary Identification Documentation
Document Type
Other Document Type
Document Number
Issue Date
Issued by
Discrepancies and Resolution
Completed by
Calyx Form (4/04)
BRWIDDoc.frm
Expiration Date
06/15/1971
Customer Identification Documentation
Patriot Act
The USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies every customer.
Completion of this documentation is required in order to comply with the USA Patriot Act. A completed copy of this
information must be retained with the loan file.
Application Number
SAMPLE FHA
Name of Applicant
SOME J OTHERBORROWER
Social Security #
111-11-1111
Present Address
123 PRESENT LOCATION / Saint Louis, MO 63132
Mailing Address
123 PRESENT LOCATION / Saint Louis, MO 63132
Date
Date of Birth
Primary Identification Documentation
Document Type
Other Document Type
Document Number
Issue Date
Expiration Date
Issued by
Secondary Identification Documentation
Document Type
Other Document Type
Document Number
Issue Date
Issued by
Discrepancies and Resolution
Completed by
Calyx Form (4/04)
CoBRWIDDoc.frm
Expiration Date
06/15/1972
PRIVACY POLICY DISCLOSURE
(Protection of the Privacy of Personal Non-Public Information)
Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we
trust that you will better understand how we keep our customer information private and secure while using it to serve
you better. Keeping customer information secure is a top priority, and we are disclosing our policies to help you
understand how we handle the personal information about you that we collect and disclose. This notice explains how
you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers unless we state otherwise.
The Privacy Policy explains the Following:
·
·
·
·
·
Protecting the confidentiality of our customer information.
Who is covered by the Privacy Policy.
How we gather information.
The types of information we share, why, and with whom.
Opting Out - how to instruct us not to share certain information about you or not to contact you.
Protecting the Confidentiality of Customer Information:
We take our responsibility to protect the privacy and confidentiality of customer information very seriously.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to store
and secure information about you from unauthorized access, alteration, and destruction. Our control policies,
for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, we enter into agreements with other companies to provide services to us or make products
and services available to you. Under these agreements, the companies may receive information about you
but they must safeguard this information, and they may not use it for any other purposes.
Who is Covered by the Privacy Policy:
We provide our Privacy Policy to customers when they conduct business with our company. If we change our
privacy policies to permit us to share additional information we have about you, as described below, or to permit
disclosures to additional types of parties, you will be notified in advance. This Privacy Policy applies to consumers
who are current customers or former customers.
How We Gather Information:
As part of providing you with financial products or services, we may obtain information about you from the following
sources:
·
Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone,
electronically, or by any other means. This information may include your name, address, employment
information, income, and credit references;
·
Your transaction with us, our affiliates, or others. This information may include your account balances,
payment history, and account usage;
·
Consumer reporting agencies. This information may include account information and information about your
credit worthiness;
·
Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Information We Share:
We may disclose information we have about you as permitted by law. We are required to or we may provide
information about you to third-parties without your consent, as permitted by law, such as:
To regulatory authorities and law enforcement officials.
·
·
·
·
To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
To report account activity to credit bureaus.
To consumer reporting agencies.
Calyx Form - privacy1.frm (06/05)
·
·
To respond to a subpoena or court order, judicial process or regulatory authorities.
In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating
unit, etc.
In addition, we may provide information about you to our service providers to help us process your applications
or service your accounts. Our service providers may include billing service providers, mail and telephone service
companies, lenders, investors, title and escrow companies, appraisal companies, etc.
We may also provide information about you to our service providers to help us perform marketing services. This
information provided to these service providers may include the categories of information described above under
"How We Gather Information" limited to only that which we deem appropriate for these service providers to carry
out their functions.
We do not provide non-public information about you to any company whose products and services are being
marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes
beyond your specific authorization.
Opting Out
We also may share information about you within our corporate family of office(s). We may share all of the
categories of information we gather about you, including identification information (such as your name and
address), credit reports (such as your credit history), application information (such as your income or credit
references), your account transactions and experiences with us (such as your payment history), and information
from other third parties (such as your employment history).
By sharing this information we can better understand your financial needs. We can then send you notification
of new products and special promotional offers that you may not otherwise know about. For example, if you
originally obtained a mortgage loan with us, we would know that you are a homeowner and may be interested
in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a new car.
You may prohibit the sharing of application and third-party credit-related information within our company or any
third-party company at any time. If you would like to limit disclosures of personal information about you as
described in this notice, just check the appropriate box or boxes to indicate your privacy choices.
Please do not share personal information about me with non-affilliated third-parties.
Please do not share personal information about me with any of your affiliates except as necessary to
effect, administer, process, service or enforce a transaction requested or authorized by myself.
Please do not contact me with offers of products or services by mail.
Please do not contact me with offers of products or services by telephone.
Note for Joint Accounts: Your Opt Out choices will also apply to other individuals who are joint account holders.
If these individuals have separate accounts, your Opt Out will not apply to those separate accounts.
SOME BORROWER and SOME J OTHERBORROWER
ACCORD FINANCIAL, INC.
Name
Company Name
123 PRESENT LOCATION
7777 BONHOMME STE 2102
Address
Address
Saint Louis, MO 63132
Clayton MO, 63105
City, State, Zip
City, State, Zip
314-555-1212
314-721-1009
Phone#
Phone #
SAMPLE FHA
Loan #
Borrower's Signature
Date
Co-Borrower's Signature
Date
Calyx Form - privacy2.frm (06/05)
NOTICE TO APPLICANT OF RIGHT
TO RECEIVE COPY OF APPRAISAL REPORT
APPLICATION NO:
SAMPLE FHA
PROPERTY ADDRESS:
123 SOME LOCATION
Date: 05/10/2015
Saint Louis, MO 63132 County: Saint Louis
You have the right to receive a copy of the appraisal report to be obtained in connection with the loan for which
you are applying, provided that you have paid for the appraisal. We must receive your written request no later
than ____
90 days after we notify you about the action taken on your application or you withdraw your application.
If you would like a copy of the appraisal report, contact:
ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
Clayton, MO 63105
Applicant SOME BORROWER
Date
Applicant SOME J OTHERBORROWER
Date
Applicant
Date
Applicant
Date
Calyx Form - rra.frm (11/07)
SERVICING DISCLOSURE STATEMENT
Lender:
Date: 05/10/2015
ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
Clayton, MO 63105
NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR
MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED.
You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA)
(12 U.S.C. 2601 et seq.). RESPA gives you certain rights under Federal law. This statement describes
whether the servicing for this loan may be transferred to a different loan servicer.
"Servicing" refers to collecting your principal, interest, and escrow payments, if any, as well as sending
any monthly or annual statements, tracking account balances, and handling other aspects of your loan.
You will be given advance notice before a transfer occurs.
We may assign, sell or transfer the servicing of your loan while the loan is outstanding.
We do not service mortgage loans of the type for which you applied. We intend to assign, sell, or
transfer the servicing of your mortgage loan before the first payment is due.
The loan for which you have applied will be serviced at this financial institution and we do not intend
to sell, transfer, or assign the servicing of the loan.
Acknowledgment of Mortgage Loan Applicant(s)
I/We have read and understood the disclosure, and understand that the disclosure is a required part of the
mortgage application as evidenced by my/our signature(s) below;
Applicant SOME BORROWER
Date
Applicant SOME J OTHERBORROWER
Date
Applicant
Date
Applicant
Date
Calyx Form - sds.frm (01/09)
HUD/VA Addendum to Uniform Residential Loan Application
Part I - Identifying Information
1.
(mark the type of application)
VA Application for
HUD/FHA Application for Insurance
Home Loan Guaranty
under the National Housing Act
OMB Approval No.
VA: 2900-0144
HUD: 2502-0059 (expires 11/30/2010)
2. Agency Case No: (include any suffix)
5. Borrower's Name & Present Address (include zip code)
3. Lender's Case No.
4. Section of the Act
(for HUD cases)
7. Loan Amount (include the UFMIP if 8. Interest Rate
9. Proposed Maturity
for HUD or Funding Fee if for VA)
$
mos.
270,019.00
4.875 %
30 yrs.
12a. Amount of Monthly 12b.Term of Monthly
10. Discount Amount 11. Amount of Up
Front Premium
Premium
Premium
(only if borrower is
permitted to pay)
SOME BORROWER
SOME J OTHERBORROWER
123 PRESENT LOCATION
Saint Louis, MO 63132
6. Property Address (including name of subdivision, lot & block no. & zip code)
123 SOME LOCATION
Saint Louis, MO 63132
$
13. Lender's I.D. Code
4,644.06
$
121.63/mo.
360 months
14. Sponsor/Agent I.D. Code
16. Name & Address of Sponsor/Agent
15. Lender's Name & Address (include zip code)
17. Lender's Telephone Number
Type or Print all entries clearly
VA: The veteran and the lender hereby apply to the Secretary of Veterans Affairs for Guaranty of the loan described here under Section 3710,
Chapter 37, Title 38, United States Code, to the full extent permitted by the veteran's entitlement and severally agree that the Regulations
promulgated pursuant to Chapter 37, and in effect on the date of the loan shall govern the rights, duties, and liabilities of the parties.
20. Purpose of Loan (blocks 9 - 12 are for VA loans only)
18. First Time
19. VA Only:
Homebuyer?
Title will be Vested in:
1)
Purchase Existing Home Previously Occupied
7)
Construct Home (proceeds to be paid out during
construction)
2)
Finance Improvements to Existing Property
8)
Finance Co-op Purchase
a.
Yes
Veteran
3)
Refinance (Refi.)
9)
Purchase Permanently Sited Manufactured Home
b.
No
Veteran & Spouse
4)
Purchase New Condo. Unit
10)
Purchase Permanently Sited Manufactured Home & Lot
Other (Specify):
5)
Purchase Existing Condo. Unit
Refi. Permanently Sited Manufactured Home to Buy Lot
6)
Purchase Existing Home Not Previously Occupied
11)
12)
Refi. Permanently Sited Manufactured Home/Lot Loan
Part II - Lender's Certification
E. The Uniform Residential Loan Application and this Addendum were
21. The undersigned lender makes the following certifications to induce
signed by the borrower after all sections were completed.
the Department of Veterans Affairs to issue a certificate of commitment
F. This proposed loan to the named borrower meets the income and credit
to guarantee the subject loan or a Loan Guaranty Certificate under Title
requirements of the governing law in the judgment of the undersigned.
38, U. S. Code, or to induce the Department of Housing and Urban
G. To the best of my knowledge and belief, I and my firm and its
Development - Federal Housing Commissioner to issue a firm commitprincipals: (1) are not presently debarred, suspended, proposed for
ment for mortgage insurance or a Mortgage Insurance Certificate
debarment, declared ineligible, or voluntarily excluded from covered
under the National Housing Act.
transactions by any Federal department or agency;(2) have not, within
A. The loan terms furnished in the Uniform Residential Loan Application
a three-year period preceding this proposal, been convicted of or had
and this Addendum are true, accurate and complete.
a civil judgment rendered against them for (a) commission of fraud or
B. The information contained in the Uniform Residential Loan Application
a criminal offense in connection with obtaining, attempting to obtain,
and this Addendum was obtained directly from the borrower by an
or performing a public (Federal, State or local) transaction or contract
employee of the undersigned lender or its duly authorized agent
under a public transaction; (b) violation of Federal or State antitrust
and is true to the best of the lender's knowledge and belief.
statutes or commission of embezzlement, theft, forgery, bribery,
C. The credit report
submitted on the subject borrower (and
falsification or destruction of records, making false statements, or
co-borrower, if any) was ordered by the undersigned lender or its
receiving stolen property; (3) are not presently indicted for or otherwise
duly authorized agent directly from the credit bureau which prepared
criminally or civilly charged by a governmental entity (Federal, State or
the report and was received directly from said credit bureau.
local) with commission of any of the offenses enumerated in paragraph
D. The verification of employment and verification of deposits were
G(2) of this certification; and (4) have not, within a three-year period
requested and received by the lender or its duly authorized agent
preceding this application/proposal, had one or more public transactions
without passing through the hands of any third persons and are true
(Federal, State or local) terminated for cause or default.
to the best of the lender's knowledge and belief.
Items "H" through "J" are to be completed as applicable for VA loans only.
H. The names and functions of any duly authorized agents who developed on behalf of the lender any of the information or supporting credit data submitted are as
follows:
Name & Address
Function (e.g., obtained information on the Uniform Residential Loan
Application, ordered credit report, verifications of employment, deposits, etc.)
If no agent is shown above, the undersigned lender affirmatively certifies that all information and supporting credit data were obtained directly by the lender.
The undersigned lender understands and agrees that it is responsible for the omissions, errors, or acts of agents identified in item H as to the functions
with which they are identified
J. The proposed loan conforms otherwise with the applicable provisions of Title 38, U.S. Code, and of the regulations concerning guaranty or insurance of loans
to veterans.
I.
Signature of Officer of Lender
Title of Officer of Lender
Date (mm/dd/yyyy)
X
Part III - Notices to Borrowers. Public reporting burden for this collection of information is estimated to average 6 minutes per response, including the time for
reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. This
agency may not conduct or sponsor, and a person is not required to respond to, a collection information unless that collection displays a valid OMB control number
can be located on the OMB Internet page at http://www.whitehouse.gov/omb/library/OMBINV.LIST.OF.AGENCIES.html#LIST_OF_AGENCIES.
Privacy Act Information. The information requested on the Uniform Residential Loan Application and this Addendum is authorized by 38 U.S.C. 3710 (if for DVA)
and 12 U.S.C. 1701 et seq. (if for HUD/FHA). The Debt Collection Act of 1982, Pub. Law 97-365, and HUD's Housing and Community Development Act of 1987, 42
U.S.C. 3543, require persons applying for a federally insured or guaranteed loan to furnish his/her social security number (SSN). You must provide all the requested
information, including your SSN. HUD and/or VA may conduct a computer match to verify the information you provide. HUD and/or VA may disclose certain
information to Federal, State, and local agencies when relevant to civil, criminal, or regulatory investigations and prosecutions. It will not otherwise be disclosed or
released outside of HUD or VA, except as required and permitted by law. The information will be used to determine whether you qualify as a mortgagor. Any
disclosure of information outside VA or HUD/FHA will be made only as permitted by law. Failure to provide any of the requested information, including SSN, may
VA Form 26-1802a (2007)
page 1
form HUD-92900-A (05/2008)
Calyx Form - fhavaa1.frm (06/08)
result in disapproval of your loan application. This is notice to you as required by the Right to Financial Privacy Act of 1978 that VA or HUD/FHA has a right of access
to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your
transaction will be available to VA and HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government
Agency or Department without your consent except as required or permitted by law.
Caution. Delinquencies, defaults, foreclosures and abuses of mortgage loans involving programs of the Federal Government can be costly and detrimental to your credit,
now and in the future. The lender in this transaction, its agents and assigns as well as the Federal Government, its agencies, agents and assigns, are authorized to take any
and all of the following actions in the event loan payments become delinquent on the mortgage loan described in the attached application: (1) Report your name and
account information to a credit bureau; (2) Assess additional interest and penalty charges for the period of time that payment is not made; (3) Assess charges to cover
additional administrative costs incurred by the Government to service your account; (4) Offset amounts owed to you under other Federal programs; (5) Refer your
account to a private attorney, collection agency or mortgage servicing agency to collect the amount due, foreclose the mortgage, sell the property and seek judgment
against you for any deficiency; (6) Refer your account to the Department of Justice for litigation in the courts; (7) If you are a current or retired Federal employee, take
action to offset your salary, or civil service retirement benefits; (8) Refer your debt to the Internal Revenue Service for offset against any amount owed to you as an
income tax refund; and (9) Report any resulting written-off debt of yours to the Internal Revenue Service as your taxable income. All of these actions can and will be
used to recover any debts owed when it is determined to be in the interest of the lender and/or the Federal Government to do so.
Part IV - Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration to verify my Social Security number to the Lender identified in this document and HUD/FHA, through a computer match
conducted by HUD/FHA.
I understand that my consent allows no additional information from my Social Security records to be provided to the Lender, and HUD/FHA and that verification of my
Social Security number does not constitute confirmation of my identity. I also understand that my Social Security number may not be used for any other purpose than
the one stated above, including resale or redisclosure to other parties. The only other redisclosure permitted by this authorization is for review purposes to ensure that
HUD/FHA complies with SSA's consent requirements.
I am the individual to whom the Social Security number was issued or that person's legal guardian. I declare and affirm under the penalty of perjury that the information
contained herein is true and correct. I know that if I make any representation that I know is false to obtain information from Social Security records, I could be punished
by a fine or imprisonment or both.
This consent is valid for 180 days from the date signed, unless indicated otherwise by the individual(s) named in this loan application.
Read consent carefully. Review accuracy of social security number(s) and birth dates provided on this application.
Signature(s) of Borrower(s)
Date signed
Signature(s) of Co-Borrower(s)
Date signed
X
/
/
X
/
/
Part V - Borrower Certification
22. Complete the following for a HUD/FHA Mortgage
22 a. Do you own or have you sold other real estate within the past
Is it to be sold?
22 b. Sales Price
22 c. Original Mortgage Amt
60 months on which there was a HUD / FHA mortgage?
Yes
No
Yes
No $
$
22 d. Address
22 e. If the dwelling to be covered by this mortgage is to be rented, is it a part of, adjacent or contiguous to any project subdivision or group of concentrated
rental properties involving eight or more dwelling units in which you have any financial interest?
Yes
No If "Yes" give details.
22 f. Do you own more than four dwellings?
Yes
No If "Yes" submit form HUD-92561.
23. Complete for VA - Guaranteed Mortgage.
Have you ever had a VA home loan?
Yes
No
24. Applicable for Both VA & HUD. As a home loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract.
The fact that you dispose of your property after the loan has been madewill not relieve you of liability for making these payments. Payment of the loan
in full is ordinarily the way liability on a mortgage note is ended. Some home buyers have the mistaken impression that if they sell their homes when they
move to another locality, or dispose of it for any other reasons, they are no longer liable for the mortgage payments and that liability for these payments is solely
that of the new owners. Even though the new owners may agree in writing to assume liability for your mortgage payments, this assumption agreement will not
relieve you from liability to the holder of the note which you signed when you obtained the loan to buy the property. Unless you are able to sell the property to a
buyer who is acceptable to VA or to HUD/FHA and who will assume the payment of your obligation to the lender, you will not be relieved from liability to repay any
claim which VA or HUD/FHA may be required to pay your lender on account of default in your loan payments.The amount of any such claim payment will be
a debt owed by you to the Federal Government. This debt will be the object of established collection procedures.
I do not and will not have outstanding after loan closing any unpaid
25. I, the Undersigned Borrower(s) Certify that:
contractual obligation on account of such cash payment;
(1) I have read and understand the foregoing concerning my liability on the
loan and Part III Notices to Borrowers.
(b) I was not aware of this valuation when I signed my contract but have
elected to complete the transaction at the contract purchase price or cost.
(2) Occupancy: (for VA only -- mark the applicable box)
I have paid or will pay in cash from my own resources at or prior to loan
(a) I now actually occupy the above-described property as my home or
closing a sum equal to the difference between contract purchase price or
intend to move into and occupy said property as my home within a
cost and the VA or HUD/FHA established value. I do not and will not have
reasonable period of time or intend to reoccupy it after the completion of
outstanding after loan closing any unpaid contractual obligation on account
major alterations, repairs or improvements.
of such cash payment.
(b) My spouse is on active military duty and in his or her absence, I occupy
(4) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after
or intend to occupy the property securing this loan as my home.
the making of a bona fide offer, or refuse to negotiate for the sale or rental of,
(c) I previously occupied the property securing this loan as my home. (for
or otherwise make unavailable or deny the dwelling or property covered by
interest rate reductions)
his/her loan to any person because of race, color, religion, sex, handicap,
familial status or national origin. I recognize that any restrictive covenant on
(d) While my spouse was on active military duty and unable to occupy the
this property relating to race, color, religion, sex, handicap, familial status or
property securing this loan, I previously occupied the property that is
national origin is illegal and void and civil action for preventive relief may be
securing this loan as my home. (for interest rate reduction loans)
brought by the Attorney General of the United States in any appropriate U.S.
Note: If box 2b or 2d is checked, the veteran's spouse must also sign
District Court against any person responsible for the violation of the
below.
applicable law.
(3) Mark the applicable box (not applicable for Home Improvement or Refi(5)
All information in this application is given for the purpose of obtaining a loan
nancing Loan) I have been informed that ($
) is:
to be insured under the National Housing Act or guaranteed by the Departthe reasonable value of the property as determined by VA or;
ment of Veterans Affairs and the information in the Uniform Residential Loan
Application and this Addendum is true and complete to the best of my
the statement of appraised value as determined by HUD/FHA.
knowledge and belief. Verification may be obtained from any source named
Note: If the contract price or cost exceeds the VA "Reasonable Value"
herein.
or HUD/FHA "Statement of Appraised Value" mark either item (a) or item
(6) For HUD Only (for properties constructed prior to 1978) I have received
(b), whichever is applicable.
information on lead paint poisoning.
Yes
Not Applicable
(a) I was aware of this valuation when I signed my contract and I have
(7)
I
am
aware
that
neither
HUD/FHA
nor
VA
warrants
the condition or
paid or will pay in cash from my own resources at or prior to loan closing
value of the property.
a sum equal to the difference between the contract purchase price or
cost and the VA or HUD/FHA established value.
Signature(s) of Borrower(s) -- Do not sign unless this application is fully completed. Read the certifications carefully & review accuracy of this application.
Signature(s) of Borrower(s)
Date signed
Signature(s) of Co-Borrower(s)
Date signed
X
/
/
X
/
/
( Borrowers Must Sign Both Parts IV & V ) Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to
influence the issuance of any guaranty or insurance by the VA Secretary or the HUD/FHA Commissioner.
VA Form 26-1802a (2007)
form HUD-92900-A (05/2008)
page 2
Calyx Form - fhavaa2.frm (06/2008)
Direct Endorsement Approval for a HUD/FHA-Insured Mortgage
Part I - Identifying Information
2. Agency Case No. (include any suffix)
(mark the type of application)
U.S. Department of Housing
and Urban Development
4. Section of the Act
(for HUD cases)
3. Lender's Case No.
HUD/FHA Application for Insurance
1.
under the National Housing Act
5. Borrower's Name & Present Address (include zip code)
7. Loan Amount (include the UFMIP)
8. Interest Rate
9. Proposed Maturity
SOME BORROWER AND SOME J OTHERBORROWER
123 PRESENT LOCATION
$
Saint Louis, MO 63132
12b. Term of
10. Discount Amount 11. Amount of Up 12a. Amount of
Front Premium
Monthly Premium
Monthly Premium
(only if borrower is
permitted to pay)
6. Property Address (including name of subdivision, lot & block no. & zip code)
123 SOME LOCATION
Saint Louis, MO 63132
270,019.00
4,644.06
$
$
30 yrs.
121.63/mo.
mos.
360 months
14. Sponsor/Agent I.D. Code
13. Lender's I.D. Code
15. Lender's Name & Address (include zip code)
4.875 %
16. Name & Address of Sponsor/Agent
17. Lender's Telephone Number
Type or Print all entries clearly
Approved: Approved subject to the additional conditions stated below, if any.
Date Mortgage Approved
Modified &
Approved
as follows:
Loan Amount (include UFMIP)
$
Date Approval Expires
Interest Rate
%
Proposed Maturity
yrs.
mos.
Monthly Payment
Amount of Up
Front Premium
Amount of Monthly
Premium
$
$
$
Term of Monthly
Premium
months
Additional Conditions:
If this is proposed construction, the builder has certified compliance with HUD requirements on form HUD-92541.
If this is new construction, the lender certifies that the property is 100% complete (both on site and off site improvements)and the property meets
HUD's minimum property standards and local building codes.
Form HUD-92544, Builder's Warranty is required.
The property has a 10-year warranty.
Owner-Occupancy Not required (item (b) of the Borrower's Certificate does not apply).
The mortgage is a high loan-to-value ratio for non-occupant mortgagor in military.
Other: (specify)
This mortgage was rated as an "accept" or "approve" by FHA's Total Mortgage Scorecard. As such, the undersigned representative of the mortgagee
certifies to the integrity of the data supplied by the lender used to determine the quality of the loan, that a Direct Endorsement Underwriter reviewed
the appraisal (if applicable) and further certifies that this mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program.
I hereby make all certifications required for this mortgage as set forth in HUD Handbook 4000.4
Mortgagee Representative:
This mortgage was rated as a “refer” by FHA's Total Mortgage Scorecard, and/or was manually underwritten by a Direct Endorsement
underwriter. As such, the undersigned Direct Endorsement underwriter certifies that I have personally reviewed the appraisal report (if
applicable), credit application, and all associated documents and have used due diligence in underwriting this mortgage. I find that this
mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program and I hereby make all certifications required for
this mortgage as set forth in HUD Handbook 4000.4
Direct Endorsement Underwriter
DE's CHUMS ID Number
The Mortgagee, its owners, officers, employees or directors
do
do not have a financial interest in or a
relationship, by affiliation or ownership, with the builder or seller involved in this transaction.
Calyx Form - fhavaa3.frm (06/2008)
page 3
form HUD-92900-A (05/2008)
Borrower's Certificate
The undersigned certifies that:
(a) I will not have outstanding any other unpaid obligations contracted in connection with the mortgage transaction or the purchase of the
said property except obligations which are secured by property or collateral owned by me independently of the said mortgaged
property, or obligations approved by the Commissioner;
(b) One of the undersigned intends to occupy the subject property, (note: this item does not apply if owner-occupancy is not required
by the commitment);
(c) All charges and fees collected from me as shown in the settlement statement have been paid by my own funds, and no other
charges have been or will be paid by me in respect to this transaction;
(d) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after the making of a bona fide offer, or refuse to negotiate
for the sale or rental of or otherwise make unavailable or deny the dwelling or property covered by this loan to any person because of
race, color, religion, sex, handicap, familial status or national origin. I recognize that any restrictive covenant on this property relating
to race, color, religion, sex, handicap, familial status or national origin is illegal and void and any such covenant is hereby specifically
disclaimed. I understand that civil action for preventative relief may be brought by the Attorney General of the United States in any
appropriate U.S. District Court against any person responsible for a violation of this certificate.
Borrower'(s) Signature(s) & Date
X
Lender's Certificate
The undersigned certifies that to the best of its knowledge:
(a) The statements made in its application for insurance and in this Certificate are true and correct;
(b) The conditions listed above or appearing in any outstanding commitment issued under the above case number have been fulfilled;
(c) Complete disbursement of the loan has been made to the borrower, or to his/her creditors for his/her account and with his/her consent;
(d) The security instrument has been recorded and is a good and valid first lien on the property described;
(e) No charge has been made to or paid by the borrower except as permitted under HUD regulations;
(f) The copies of the credit and security instruments which are submitted herewith are true and exact copies as executed and filed for
record;
(g) It has not paid any kickbacks, fee or consideration of any type, directly or indirectly, to any party in connection with this transaction
except as permitted under HUD regulations and administrative instructions.
I, the undersigned, as authorized representative of ACCORD FINANCIAL, INC.
, mortgagee
at this time of closing of this mortgage loan, certify that I have personally reviewed the mortgage loan documents, closing statements,
application for insurance endorsement, and all accompanying documents. I hereby make all certifications required for this mortgage as
set forth in HUD Handbook 4000.4.
Note: If the approval is executed by an agent in
the name of lender, the agent must enter the
lender's code number and type.
Lender's Name
Title of Lender's Officer
Code Number (5 digits)
Signature of Lender's Officer
Type
Date
X
Calyx Form - fhavaa4.frm (06/2008)
page 4
form HUD-92900-A (05/2008)
Important Notice to Homebuyers
U.S. Department of Housing
and Urban Development
OMB Approval No. 2502-0059
(Expires 11/30/2010)
Office of Housing - Federal
Housing Commissioner
You must read this entire document at the time you apply for the loan.
Return one copy to lender as proof of notification and keep one copy for your records.
Condition of Property
The property you are buying is not HUD/FHA approved and HUD/FHA does not warrant the condition or the value
of the property. An appraisal will be performed to estimate the value of the property, but this appraisal does not
guarantee that the house is free of defects. You should inspect the property yourself very carefully or hire a
professional inspection service to inspect the property for you.
Interest Rate and Discount Points
HUD does not regulate the interest rate or the discount points that may be paid by you or the seller or other
third party. You should shop around to be sure you are
satisfied with the loan terms offered and with the service
reputation of the lender you have chosen.
The interest rate, any discount points and the length of
time the lender will honor the loan terms are all negotiated between you and the lender.
The seller can pay the discount points, or a portion
thereof, if you and the seller agree to such an arrangement.
Lenders may agree to guarantee or "lock-in" the loan
terms for a definite period of time (i.e., 15, 30, 60 days,
etc.) or may permit your loan to be determined by future
market conditions, also known as "floating". Lenders
may require a fee to lock in the interest rate or the terms
of the loan, but must provide a written agreement covering a minimum of 15 days before the anticipated closing.
Your agreement with the lender will determine the degree, if any, that the interest rate and discount points
may rise before closing.
If the lender determines you are eligible for the mortgage, your agreement with the seller may require you to
complete the transaction or lose your deposit on the
property.
Don't Commit Loan Fraud
It is important for you to understand that you are required
to provide complete and accurate information when
applying for a mortgage loan.
Do not falsify information about your income or assets.
Disclose all loans and debts (including money that
may have been borrowed to make the downpayment).
Do not sign an incomplete or blank document;
that is, one missing the name and address of the
recipient and/or other important identifying information.
Do not provide false letters-of-credit, cash-on-hand
statements, gift letters or sweat equity letters.
Do not accept funds to be used for your downpayment
from any other party (seller, real estate salesperson,
builder, etc.).
Do not falsely certify that a property will be used for
your primary residence when you are actually going to
use it as a rental property.
Do not act as a "strawbuyer" (somebody who purchases a property for another person and then transfers
title of the property to that person), nor should you give that
person personal or credit information for them to
use in any such scheme.
Do not apply for a loan by assuming the identity
of another person.
Penalties for Loan Fraud: Federal laws provide severe penalties for fraud, misrepresentation, or conspiracy to influence wrongly the issuance of mortgage
insurance by HUD. You can be subject to a possible
prison term and fine of up to $10,000 for providing false
information. Additionally, you could be prohibited from
obtaining a HUD-insured loan for an indefinite period.
Report Loan Fraud: If you are aware of any fraud in
HUD programs or if an individual tries to persuade you
to make false statements on a loan application, you
should report the matter by calling your nearest HUD
office or the HUD Regional Inspector General, or call the
HUD Hotline on 1 (800) 347-3735.
Warning: It is a crime to knowingly make false statements to the United States Government on this or any
similar form. Penalties upon conviction can include a
fine and imprisonment. For details see: Title 18 U.S
Code Section 1001 and Section 1010.
Discrimination
If you believe you have been subject to discrimination because of race, color, religion, sex, handicap, familial status,
or national origin, you should call HUD's Fair Housing & Equal Opportunity Complaint Hotline: 1 (800) 669-9777.
Previous editions are obsolete
Calyx Form - H92900b1.frm (04/08)
Page 1 of 2
form HUD-92900-B (12/2004)
ref. Handbooks 4150.1 & 4155.1
About Prepayment
This notice is to advise you of the requirements that
must be followed to accomplish a prepayment of your
mortgage, and to prevent accrual of any interest after
the date of prepayment.
You may prepay any or all of the outstanding indebtedness due under your mortgage at any time, without
penalty. However, to avoid the accrual of interest on
any prepayment, the prepayment must be received on
the installment due date (the first day of the month) if the
lender stated this policy in its response to a request for
a payoff figure.
Otherwise, you may be required to pay interest on the
amount prepaid through the end of the month. The lender
can refuse to accept prepayment on any date other
than the installment due date.
FHA Mortgage Insurance Information
Who may be eligible for a refund?
Premium Refund: You may be eligible for a refund of
a portion of the insurance premium if you paid an
upfront mortgage insurance premium at settlement and
are refinancing with another FHA mortgage.
Review your settlement papers or check with your
mortgage company to determine if you paid an upfront
premium.
FHA-to-FHA Refinance: When a FHA insured loan is
refinanced, the refund from the old premium may be
applied toward the upfront premium required for the new
loan.
How are Refunds Determined?
The FHA Commissioner determines how much of the
upfront premium is refunded when loans are terminated.
Refunds are based on the number of months the loan is
insured.
Monthly Insurance Premiums
If you paid an upfront mortgage insurance premium,
you will also be charged a monthly mortgage insurance
premium until the loan-to-value of your mortgage
reaches 78 percent of the initial sales price or appraised value of your home, whichever was lower
(provided that premiums are paid for at least five
years). You will reach the 78 percent loan-to-value
threshold in one of two ways: Through normal amortization as you make your monthly payments, or by paying
additional principal on the mortgage. Your lender can
advise you on when the mortgage will reach the 78
percent loan-to-value threshold. If you were not
charged an upfront premium, you will pay the monthly
premium for the life of the mortgage.
Exceptions
Assumptions: When a FHA insured loan is assumed
the insurance remains in force (the seller receives no
refund). The owner(s) of the property at the time the
insurance is terminated is entitled to any refund.
Important: The rules governing the eligibility for premium refunds are based on the
financial status of the FHA insurance fund and are subject to change.
SI USTED HABLA ESPANOL Y TIENE DIFICULTAD LEYENDO O HABLANDO INGLES, POR FAVOR LLAME A
ESTE NUMERO TELEFONICO 800.697.6967.
You, the borrower(s), must be certain that you understand the transaction. Seek professional advice if you
are uncertain.
Acknowledgment: I acknowledge that I have read and received a copy of this notice at the time of loan application. This
notice does not constitute a contract or binding agreement. It is designed to provide current HUD/FHA policy regarding
refunds.
Signature & Date
Signature & Date
X
X
Signature & Date
Signature & Date
X
X
Previous editions are obsolete
Calyx Form - H92900b2.frm (03/05)
Page 2 of 2
form HUD-92900-B (12/2004)
ref. Handbooks 4150.1 & 4155.1
SOCIAL SECURITY NUMBER CERTIFICATION
I, SOME BORROWER
, do not have proof of my Social Security Number as provided
originally in the form of a card, but I hereby certify that my Social Security Number
is 111-11-1111
, and is the same number listed on my ______________, which
I have submitted as part of my loan application.
Borrower
Date
WARNING: Section 1010 of Title 18 U.S.C. Federal Housing Administration states "Whoever,
for purposes of influencing in any the way the action of such Administration...makes, passes,
or publishing any statement, knowing the same to be false, shall be fined not more than
$5,000.00 or imprisoned not more than two years or both."
CALYX Form SSNCERT.FRM 05/01
SOCIAL SECURITY NUMBER CERTIFICATION
I, SOME J OTHERBORROWER , do not have proof of my Social Security Number as provided
originally in the form of a card, but I hereby certify that my Social Security Number
is 111-11-1111
, and is the same number listed on my ______________, which
I have submitted as part of my loan application.
Borrower
Date
WARNING: Section 1010 of Title 18 U.S.C. Federal Housing Administration states "Whoever,
for purposes of influencing in any the way the action of such Administration...makes, passes,
or publishing any statement, knowing the same to be false, shall be fined not more than
$5,000.00 or imprisoned not more than two years or both."
Calyx Form - cbssncert.frm (05/01)
NOTICE TO HOMEOWNER
Property Address :
123 SOME LOCATION
File No.: SAMPLE FHA
Saint Louis, MO 63132
Assumption of HUD/FHA-Insured Mortgages
Release of Personal Liability
You are legally obligated to make the monthly payments required by your mortgage (deed of trust) and promissory
note.
The Department of Housing and Urban Development (HUD) has acted to keep investors and noncreditworthy
purchasers from acquiring one- to four-family residential properties covered by certain FHA-insured mortgages.
There are minor exceptions to the restriction on investors: loans to public agencies and some nonprofit
organizations, Indian tribes or servicepersons; and loans under special mortgage insurance programs for property
sold by HUD, rehabilitation loans or refinancing of insured mortgages. Your lender can advise you if you are
included in one of these exceptions.
HUD will therefore direct the lender to accelerate this FHA-insured mortgage loan if all or part of the property is
sold or transferred to a purchaser or recipient (1) who will not occupy the property as his or her principal
residence, or (2) who does occupy the property but whose credit has not been approved in accordance with HUD
requirements. This policy will apply except for certain sales or transfers where acceleration is prohibited by law.
When a loan is accelerated, the entire balance is declared ''immediately due and payable." Since HUD will not
approve the sale of the property covered by this mortgage to an investor or to a person whose credit has not been
approved, you, the original homeowner, would remain liable for the mortgage debt even though the title to the
property might have been transferred to the new buyer.
Even if you sell your home by letting an approved purchaser (that is, a creditworthy owner-occupant) assume your
mortgage, you are still liable for the mortgage debt unless you obtain a release from liability from your mortgage
lender. FHA-approved lenders have been instructed by HUD to prepare such a release when an original homeowner
sells his or her property to a creditworthy purchaser who executes an agreement to assume and pay the mortgage
debt and thereby agrees to become the substitute mortgagor. The release is contained in Form
HUD-92210-1, (''Approval of Purchaser and Release of Seller"). You should ask for it if the mortgage lender does
not provide it to you automatically when you sell your home to a creditworthy owner-occupant purchaser who
executes an agreement to assume personal liability for the debt. When this form is executed, you are no longer
liable for the mortgage debt.
You must sign and date this notice as indicated, return one copy to your lender as proof of notification and keep
one copy for your records.
Applicant
SOME BORROWER
Date
Applicant
SOME J OTHERBORROWER
Date
* Instruction to lender : A copy of this notice must be given to the mortgagor(s) on or before the date of settlement.
You should retain asigned copy in the origination file.
CALYX Form Nothom.frm 9/99
INFORMED CONSUMER CHOICE DISCLOSURE NOTICE
SOME BORROWER
Borrower(s): ______________________________
SOME J OTHERBORROWER
______________________________
SAMPLE FHA
Loan Number: ______________________________
123 SOME LOCATION
Property Addr: ______________________________
Saint Louis, MO 63132
______________________________
In addition to an FHA-insured mortgage, you may also qualify for other mortgage products offered by your lender. To assure that you
are aware of possible choices in financing, your lender has prepared a comparison of the typical costs of alternative conventional mortgage
product(s) below, using representative loan amounts and costs (the actual loan amounts and associated costs shown below will vary from
your own mortgage loan transaction). You should study the comparison carefully, ask questions, and determine which product is best for
you. The information provided below was prepared as of 05/10/2015.
Neither your lender nor FHA warrants that you actually qualify for any mortgage loan offered by your lender. This notice is provided
to identify the key differences between these mortgage products offered by your lender. This disclosure is not a contract and does not
constitute loan approval. Actual mortgage approval can only be made following a full underwriting analysis by your mortgage lender.
FHA Financing 203(b) Fixed
Rate
1
Sales Price
2
Mortgage Amount
(with Up-front Mortgage Insurance Premium)
3
Closing Costs
4
Down Payment Needed
5
Interest Rate and Term of Loan in Years
6
Monthly Payment (principal and interest only)
7
Loan-to-Value
8
Monthly Mortgage Insurance Premium (first year) *
9
Maximum # of Years of Monthly Insurance Premium Payments
10
Up-front Mortgage Insurance Premium (if applicable) **
(Included in Mortgage Amount, line 2)
Conventional Financing
97% w/Mtg Insurance
100,000
100,000
97,750
99,216
97,000
2,000
2,000
4,250
5,000
7.00 % / 30 yrs
7.00 % / 30 yrs
660.00
645.00
97.75 %
97.00 %
39.94
76.63
14 yrs
13 yrs
1,466
* Monthly mortgage insurance premiums are calculated on the average annual principal balance, i.e., as the amount you owe on the loan
decreases each year, so does the amount of the monthly premium.
** Based on an up-front mortgage insurance premium rate of 1.5
%.
FHA Mortgage Insurance Premium Information:
If you paid an up-front mortgage insurance premium, you will also be charged a monthly mortgage insurance premium until the
loan-to-value ratio of your mortgage reaches 78 percent of the initial sales price or appraised value of your home, whichever was lower
(provided that premiums are paid for at least five years). You will reach 78 percent loan-to-value threshold in one of two ways: Through
normal amortization as you make your monthly payments, or by paying additional principal on the mortgage. Your lender can advise
you on when the mortgage will reach the 78 percent level through normal amortization.
If you have a 15-year mortgage and make a downpayment in excess of 10 percent, you will not have to make monthly mortgage
insurance premiums. You will also reach the 78 percent loan-to-value threshold earlier than on longer term mortgages and may not have
to pay monthly mortgage insurance premiums for the full five years.
You are required to make these payments on your FHA-insured loan unless you refinance or the mortgage is otherwise paid in full.
I/We have received a copy of this disclosure.
Borrower
Date
Borrower
Date
Calyx Form - ccdisc.frm(3/09)
FHA IDENTITY OF INTEREST CERTIFICATION
Applicant(s): SOME BORROWER
SOME J OTHERBORROWER
123 SOME LOCATION
Saint Louis, MO 63132
Broker/Lender: ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
Clayton, MO 63105
What is an "Identity of Interest?"
FHA defines an "identity of interest" as any relationship where the purchaser and seller are
related, and/or affiliated through a business relationship. This could, for example, be parent/child
as buyer/seller, corporation selling to an employee, persons who are partners in other projects as
buyer/seller. FHA restricts the loan to value on such loans to 75% of the lesser of the property
value plus closing costs or acquisition cost for investor properties/non-occupying co-borrower
transactions; or 85% of the lesser of the property value plus closing costs or acquisition cost for
owner occupied properties.
Check the option below that describes your situation:
I do not have an "identity of interest" with the seller of the property I plan to purchase with
the FHA financing for which I have applied.
I do have an "identity of interest" with the seller of the property I plan to purchase with the
FHA financing for which I have applied. Further, I understand that my loan-to-value ratio is
restricted as follows:
•
to 85% of the lesser of the property value plus closing costs or acquisition cost since I will
occupy the property;
•
to 75% of the lesser of the property value plus closing costs or acquisition cost since
there is a non-occupying co-borrower or a non-occupying borrower which will not occupy
the property as a principal residence.
•
My relationship with the seller is:
.
WARNING: Our signature(s) below indicate that we fully understand that it is a Federal Crime
punishable by fine, imprisonment or both to knowingly make any false statements concerning any
of the above facts as applicable under the provision of Title 18, United States Code, Section 1012
and 1014.
I/We have received a copy of this disclosure:
SOME BORROWER
Date
SOME J OTHERBORROWER
Date
Calyx Form - idofint.frm (09/02)
HUD APPRAISED VALUE DISCLOSURE
Borrower(s): SOME BORROWER
Lender:
SOME J OTHERBORROWER
Property Address:
123 SOME LOCATION
Saint Louis, MO 63132
Loan Number:
SAMPLE FHA
I (We) understand that my (our) application for a FHA-insured mortgage is being requested under the Direct
Endorsement (DE) program. The Lender has advised me (us) that the appraiser has assigned a value of
$
I am (We are) aware that the final determination of
275,000 to the property being purchased.
value for mortgage insurance purposes will be made by the DE underwriter after he/she reviews the report. It is
understood that I (we) may elect to cancel the application or renegotiate with the seller if the DE Underwriter
reduces the value below the amount set forth in the sales contract or requires additional repairs for which the
seller will not be responsible.
Borrower SOME BORROWER
Date
Borrower SOME J OTHERBORROWER
Date
Borrower
Date
Borrower
Date
CalyxFormHudavd.frm12/96
FLOOD DISASTER
PROTECTION ACT OF 1973
DATE:
05/10/2015
APPLICATION NO:
SAMPLE FHA
PROPERTY ADDRESS:
123 SOME LOCATION
Saint Louis, MO 63132
I/We hereby acknowledge that we have been advised of the Flood Disaster Protection Act of 1973
and the requirements that I/We provide such insurance coverage on any property located within
an area designated as a Flood Hazard Area. Should the subject property fall within a flood hazard
area as defined in the Act, then I/We authorize
its successors and/or assigns to purchase such insurance and I/We further agree to pay promptly
the cost thereof.
SOME BORROWER
(Applicant)
(Date)
(Applicant)
(Date)
SOME J OTHERBORROWER
(Applicant)
(Date)
(Applicant)
(Date)
Calyx Form fdact.frm 12/96
OMB Approval No. 2502-0059
(Expires 11/30/2010)
U.S. Department of Housing
and Urban Development
Office of Housing
Federal Housing Commissioner
Mortgage Credit
Analysis Worksheet
Purchase Money Mortgages
All numbered entries in $ expect where noted.
See back of page for Public Burden and Sensitive Information statements
Case number
Section of the Housing Act
Check one
Existing Construction
1a. Borrower's name
Proposed Construction
2a. Social Security Number
SOME BORROWER
111-11-1111
1b. Co-Borrower's name
2b. Social Security Number
SOME J OTHERBORROWER
111-11-1111
3a. Mortgage without Upfront MIP
3b. Total UFMIP
3c. Mortgage with UFMIP
4. Appraised Value (without CC)
4,644.06
270,019.00
275,000.00
5. a. Total Closing
Costs (CC)
265,375.00
6. Current housing expenses
7. Term of loan
8. Interest rate
9. Adj. buy-down interest rate
4.875 %
30 years
10. Statutory Investment Requirements
a. Contract Sales Price
275,000.00
8,250.00
d. Statutory Investment Requirement (10a x 0.03)
c. Equals Borrower's CC
%
275,000.00
b. Borrower-Paid Closing Costs (from 5c)
c. Unadjusted Acquisition (10a + 10b)
11. Maximum Mortgage Calculation
14. Debts & Obligations
a. Total installment debt
b. Child Support, etc.
Monthly Payment
d. Total monthly payments
15. Future monthly payments
275,000.00
a. Principal & interest - 1st mortgage
b. Monthly MIP
c. Mortgage Basis (11a + 11b)
d. Mort Amt. (11c x LTV Factor
275,000.00
c. Homeowners Association Fee
d. Ground rent
% or Less)
268,812.50
12. Cash Investment Requirements
a. Minimum Down Payment (10c-11d)
(This amount must equal or exceed 10d)
6,187.50
h. Total mortgage payment
c. Discount Points
i. Recurring expenses (from 14d)
121.63
j. Total fixed payment
d. Repairs/Improvements (Non-Financeable)
e. Upfront MIP Paid in Cash
121.63
0.06 16. Ratios
a. Loan-to-value(11d divided by 11a)
f. Non-Realty and Other Items
j. Asset Available
k. 2nd Mort(if applicable) [Source:
l. Cash Reserves (Sum 12h thru 12k, minus 12g)
121.63
e. Principal & interest - 2nd mortgage
f. Hazard insurance
g. Taxes & special assessments
b. Prepaid Expenses
g. Total Cash to Close (Sum of 12a thru 12f)
h. Amount Paid (Earnest Money, etc.)
i. Amount of Gift Funds [Source:
Unpaid balance
c. Other
a. Less of Sales Price (10a) or Value (from 4)
b. Required Adjustments (+/-)
97.750
b. Less Paid by Seller
6,187.56
]
]
-6,187.56
97.750 %
b. Mortgage payment-to-income(15h divided by 13f)
c. Total fixed payment-to-income(15j divided by 13f)
17. Borrower rating (enter "A" for acceptable or "R" for reject)
%
%
a. Credit characteristics
b. Adequacy of effective income
c. Stability of effective income
d. Adequacy of available assests
13. Monthly Effective Income
a. Borrower's base pay
b. Borrower's other earnings(explain)
c. Co-borrower's base pay
18. Borrower's CAIVRS Number
LDP/GSA (page no.& date)
Co-borrower's CAIVRS Number
LDP/GSA (page no.& date)
d. Co-borrower's other earnings(explain)
Attachment A Information
e. Net income from real estate
A1. Contract Sales Price of Property (line 10a above)
f. Gross monthly income
275,000.00
Remarks (attach additional paper if needed)
A2. 6% of line A1
16,500.00
A3. Total Seller Contribution
A4. Excess Contribution
Final application
decision
Approved
Reject
Examiner's signature & date
Underwriter's signature & date
X
X
Previous editions are obsolete
Calyx Form - fhawp.frm (04/08)
CHUMS ID Number
form HUD-92900-PUR (10/98)
ref. Handbook 4155.1
This information is required to determine the eligibility of FHA mortgage insurance applicants.
Public reporting burden for this collection of information is estimated to average 6 minutes per response, including the time for reviewing instructions, searching
existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. This agency may not conduct
or sponsor, and a person is not required to respond to, a collection information unless that collection displays a valid OMB control number.
Sensitive Information: The information collected on this form is considered sensitive and is protected by the Privacy Act. The Privacy Act requires that these
records be maintained with appropriate administrative, technical, and physical safeguards to ensure their security and confidentiality. In addition, these records
should be protected against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment,
inconvenience, or unfairness to any individual on whom the information is maintained.
The Mortgage Credit Analysis Worksheet (MCAW) (HUD-92900-PUR) has been revised to reflect changes to FHA's treatment of closing costs.
Line 10c
Unadjusted Acquisition: This reflects the amount the buyer has agreed to pay for the property as well as any closing costs to be
paid by the borrower from Line 5c. It will not reflect any reductions for excess seller contributions or inducements to purchase.
Line 10d
Statutory Investment Requirement: Under nearly all FHA single family programs, the minimum cash investment is 3 percent of
the property's sales price. If the loan will be insured under a program with different limits, so indicate (e.g., use 0% for disaster
victims under Sec. 203(h)).
Line 11b
Required Adjustments: This would include additions such as financeable repairs and improvements, energy related weatherization
items, and solar energy systems, as well as subtractions including sales concessions in excess of six percent of the sales price,
inducements to purchase, personal property items, etc., all as per HUD Handbook 4155. 1. It may also include closing costs on
Sec. 203(h) loans for disaster victims.
Line 11d
Mortgage Amount: This reflects the mortgage basis multiplied by the maximum loan-to-value percentage, which is to be indicated.
If the borrower elects to put down additional down payment, the reduced amount of the mortgage is to be shown. Similarly, this
amount cannot exceed the statutory limit for the area where the property is located.
Line 12a
Minimum Down Payment: The actual mortgage amount (Line 11d) is subtracted from the borrower's cost to acquire (Line 10c).
If this yields an amount lower than that of Line 10d, the mortgage amount must be reduced accordingly.
Line 12d
Repairs/Improvements (Non-Financeable): This would include any cost to be borne by the borrower that cannot be financed into
the mortgage.
Line 12g
Total Cash to Close: This is the total amount needed to close the transaction.
Line 12h
Amount Paid: This would include any earnest money on the sale, as well as any fee, such as appraisal and credit report fees,
collected at loan application.
Line 12i
Amount of Gift Funds: Show total funds and source (e.g., family member, governmental unit, nonprofit, etc.).
Line 12j
Assets Available: This includes the borrowers verified asset, such as savings accounts, etc.
Line 12k
2nd Mortgage: If a second mortgage will be placed on the property, indicate the amount as well as the source of the funds (e.g.,
family member, governmental unit, nonprofit, etc.)
Line 12l
Cash Reserves: This is to reflect the amount of available cash or equivalent available to the borrower following the mortgage loan
closing.
Previous editions are obsolete
Calyx Form - fhawp2.frm (11/04)
form HUD-92900-PUR (10/98)
ref. Handbook 4155.1
Conditional Commitment
Direct Endorsement
Statement of Appraised Value
U.S. Department of Housing
and Urban Development
Office of Housing
Federal Housing Commissioner
OMB Approval No. 2502-0494
(exp. 01/31/2011)
General Commitment Conditions
1. Maximum Mortgage Amount and Term:
(a) Occupant Mortgagors:
Mortgage amount and terms assume
satisfactory owner-occupant mortgagor(s). They may be changed
depending upon the rating of borrower, his/her income and credit.
(b) Changes: The Commissioner or Direct Endorsement (DE) Underwriter may, after reviewing pertinent information, change the
mortgage amount and term.
2. Approval of Borrower: A determination for approval will be based
upon receipt of acceptable application for mortgage credit analysis.
3. Validity Period: This document expires six months from the issue date
in the case of an "existing" house or not more than twelve months
from its date for "proposed" construction, or 203K rehabilitation loan.
A shorter period may be imposed by HUD for proposed construction.
All cases are classified as "existing" or "proposed" for the purpose of
determining expiration date. Accordingly a house, even though still
under construction, may be classified as an existing house if it was
not approved by HUD, VA, or a DE Lender prior to beginning of consttion. Lower loan-to-value ratios will be applied unless construction
exhibits are certified by builder as meeting applicable codes and HUD
requirements and are covered by a HUD approved insured 10-year
protection (warranty) plan.
4. Cancellation: This document may be cancelled after 60 days from
the date of issuance if construction has not started.
5. Property Standards: All construction, repairs, or alterations proposed
in the application or on the construction exhibits returned herewith must
equal or exceed applicable codes and HUD requirements.
Information: The estimates of fire insurance and taxes are furnished for mortgagee's and mortgagor's information. They must be used to prepare the
Addendum to the Uniform Residential Loan Application, form HUD-92900-A, when a firm commitment is desired.
Commitment Terms
275,000
Est. Value of Prop. $
Conditional Commitment for Mortgage
Insurance under the National Housing Act, Sec.
See below
Property Address:
123 SOME LOCATION
Saint Louis, MO 63132
By:
Lender ID
Sponsor/Agent
Action Date
FHA Case No.
INST Case Ref. No.
Existing
Monthly Expense Estimate
Fire Insurance ..... $
65.00
Taxes .................. $
125.00
Condo. Com. Exp. $
Total..................... $
311.63
Commitment Issued
Mortgagee
ACCORD FINANCIAL, INC.
Commitment Expires
7777 BONHOMME STE 2102
Improved Living
Area
Clayton, MO 63105
Specific Commitment Conditions
Proposed
(see gen. cond. 3)
Sq. Ft.
(Applicable when checked)
HUD's commitment to insure a mortgage on this property is dependent on the completion of the conditions listed below.
HUD Does Not Guarantee the work done to comply with the conditions.
Estimated Remaining Economic Life of this property is
years.
is,
is not eligible for maximum financing (high loan-to-value ratio mortgage).
This property
Manufactured Housing
Assurance of Completion: If the required repairs cannot be completed prior to submission of closing papers, Form HUD-92300 made in
the amount of $
(or such additional amount as the lender desires) may be established as the means to ensure completion.
See indicated additional items on attached:
See the following additional conditions on the back:
Calyx Form - h92800b1.frm (04/08)
Lender's Copy
form HUD-92800.5B(9/2004)
ref. Handbook 4150.1
Public reporting burden for this collection
of information is estimated to average seven
minutes per response, including the time for
reviewing instructions, searching existing data
sources, gathering and main- taining the data
needed, and completing and reviewing the
collection of information. This information is
required to obtain benefits. HUD may not collect
this information, and you are not required to
complete this form, unless it displays a currently
valid OMB control number.
Section 203 of the National Housing Act
authorizes the Secretary of the Department of
Housing and Urban Development
to insure mortgages on appraisal and
commitment/direct endorsement statement
of appraised value on a designated property.
This form serves as the application for individual
“proposed construction” and “existing
construction” properties.
The Conditional Commitment / Direct
Endorsement Statement of Appraised Value
(Form HUD-92800.5B) sets forththe terms upon
which the commitment/direct endorsement
statement of appraised value is made and the
specific conditions that must be met before
HUD can endorse a Firm Commitment for
Mortgage Insurance.
Responses to the collection of information
are required to obtain mortgage insurance.
Information contained in these collections will
be used only for the purpose of determining the
eligibility of a property for mortgage insurance.
The information is considered confidential.
While no assurances of confidentiality are
pledged to respondents, HUD generally
discloses this data only in response to a
Freedom of Information request.
Specific Commitment Conditions (Applicable when indicated on the front of this form)
B. Proposed Construction: The builder or mortgagee must
notify the assigned Fee Inspector as appropriate (See items
11, 12 and 13 below).
structures within the legal boundaries of the property indicate
no evidence of active termite infestation.
C. Warranty: Form HUD-92544 is required on all new construction and shall be executed between the builder and the
purchaser.
7. Code Enforcement: The lender shall submit a statement from
the public authority that the property meets local code requirements. If the mortgage on the property is to be insured under
Section 221(d)(2), a code compliance inspection is required.
D. Section 223: This commitment is issued pursuant to Section
223(e).
8. Repairs: The lender shall notify the original appraiser upon
completion of required repairs, unless otherwise instructed.
E. Health Authority Approval: Submit local health authority
approval (on a form or letter) indicating that the individual water
supply and/or sewage disposal system is acceptable.
9. Lender's Certificate of Completion: The lender shall furnish a certificate that required repairs have been examined
and were satisfactorily completed.
F. Reserved.
10. Manufacturers
Warranties must be provided to the
homebuyer covering heating/cooling systems, hot water
G. Prefabricator's Certificate: The lender shall provide a
heaters, ranges, etc.
prefabrication certificate as required by the related engineering bulletin.
11. Initial Inspection (2 working days) is requested before the
"beginning of construction" with forms in place.
H. Termite Control: (Proposed Construction) If soil poisoning
is used, the builder shall complete form HUD-92052, Termite 12. Frame Inspection (1 working day) is requested when the
Soil Treatment Guarantee, and transmit a copy to HUD or the
building is enclosed and framing, plumbing, heating, electriDirect Endorsement Underwriter. The Mortgagee will deliver
cal, and insulation is complete and visible.
the original and a copy to the mortgagor at closing.
13. Final Inspection is requested when construction is com4. Flood Insurance Requirement: This property is located in
pleted and the property ready for occupancy.
a special flood hazard area and must be covered by flood 14. Insulation Certificate must be posted in a conspicuous
insurance in accordance with HUD regulation 24 CFR
location in the dwelling.
203.16a.
15. The Insured Protection Plan Warranty Agreement shall
5. Carpet Identification: (as listed in Certified Products Direcbe executed between the builder and the homebuyer.
tory) Manufacturer recommended maintenance program must
16. The lender shall furnish a certificate of occupancy or letter of
be provided to the homebuyer.
acceptance from the local building authority.
6. Termite Control (Existing Construction): A recognized termite control operator shall furnish certification using form
NCPA-1, or State-mandated form, that the house and other
Calyx Form - h92800b2.frm (06/06)
FHA DISCLOSURES
AMENDATORY CLAUSE / REAL ESTATE CERTIFICATION
Buyer(s)
SOME BORROWER
SOME J OTHERBORROWER
Seller(s)
Property Address :
Date of Agreement:
File No.:
05/10/2015
SAMPLE FHA
123 SOME LOCATION. Saint Louis, MO 63132
FHA AMENDATORY CLAUSE
It is expressly agreed that notwithstanding any other provisions of this contract, the purchaser shall not be obligated to complete
the purchase of the property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwise
unless the purchaser has been given in accordance with HUD/FHA or VA requirements a written statement by the Federal
Housing Commissioner, Department of Veterans Affairs, or a Direct Endorsement lender setting forth the appraised value of
the property of not less than $ 275,000
. The purchaser shall have the privilege and option of proceeding with
consummation of the contract without regard to the amount of the appraised valuation. The appraised valuation is arrived at
to determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does not warrant
the value nor the condition of the property. The purchaser should satisfy himself/herself that the price and condition of the
property are acceptable.
Borrower
SOME BORROWER
Date
Borrower
SOME J OTHERBORROWER
Date
Seller
Date
Seller
Date
Note: The dollar amount to be inserted in the amendatory clause is the sales price as stated in the contract. If the borrower and
seller agree to adjust the sales price in response to an appraised value that is less than the sales price, a new amendatory clause
is not required. However, the loan application package must include the original sales contract with the same price as shown
on the amendatory clause, along with the revised or amended sales contract.
REAL ESTATE CERTIFICATION
We, the borrower, seller, and the selling real estate agent or broker involved in the sales transaction certify by our signatures
below that the terms and conditions of the sales contract are true to the best of our knowledge and belief, and that any other
agreement entered into by any of these parties in connection with this real estate transaction is part of, or attached to, the
sales agreement.
Borrower
SOME BORROWER
Date
Borrower
SOME J OTHERBORROWER
Date
Seller
Date
Seller
Date
Listing Agent (as applicable)
Date
Selling Agent (as applicable)
Date
WARNING: Our signatures above indicate that we fully understand that it is a Federal Crime punishable by fine, imprisonment
or both to knowingly make any false statements concerning any of the above facts as applicable under the provision of Title 18,
United States Code, Section 1012 and 1014.
Calyx Form - amecla.frm (05/02)
FHA Loan Underwriting
and Transmittal Summary
U.S Department of Housing and
Urban Development
See back of page for Public Burden and Sensitive Information statements
Office of Housing Federal Housing Commissioner
Borrower and Property Information
FHA Case No. __________________________
Borrower Name
Co-Borrower Name
Property Address
SOME BORROWER
SOME J OTHERBORROWER
123 SOME LOCATION Saint Louis, MO 63132
Property Type (Check only 1)
1 unit
2 units
Condominium
Manufactured Housing
expires (11/30/2010)
SOA _______________
SSN _________________________________________
111-11-1111
SSN _________________________________________
111-11-1111
Additional Property Information
3 - 4 units
Co-op
OBM Approval No. 2502 - 0059
Sales Price
$ ____________
275,000
Appraised Value $ ____________
275,000
Property Rights
Construction
Fee Simple
Leasehold
Existing
Proposed
New (less than 1 year)
Mortgage Information
Amortization Type (Check only 1)
Fixed-Rate-Monthly Payments
ARM 1_, 3 _, 5 _, 7 _, or 10 _ yr
ARM Index ____________________________________
ARM Margin ___________ %
Int. Rate Buydown
Loan Purpose (Check all that apply)
Purchase
No Cash-Out Refinance
Cash-Out Refinance
Streamline Refinance
w/appraisal
w/o appraisal
Construction-to-Permanent
Energy Efficient Mortgage
Building On Own Land
HUD REO
203(k)
Other
Loan Information
Mortgage w/o UFMIP $ ____________
265,375
Total UFMIP
4,644
$ ____________
Mortgage w/ UFMIP
270,019
$ ____________
Interest Rate
4.875 %
____________
Qualifying Rate
6.500 %
____________
(1 Yr. ARM)
Loan Term (in months)
360
____________
Underwriting Information
Monthly Income Borrower
Base Income
Other Income
Net Rental Income
Total Income
$ ____________
5,000.00
$ ____________
$ ____________
5,000.00
$ ____________
Debts & Obligations
Total Installment debt
Child Support
Negative Rental Cash Flow
All other monthly payments
Total Fixed Payment
Co-Borrower
$ ____________
3,000.00
$ ____________
$ ____________
3,000.00
$ ____________
Total
$ ____________
8,000.00
$ ____________
$ ____________
8,000.00
$ ____________
Monthly
375.00
$ ____________
$ ____________
$ ____________
$ ____________
30.00
$ ____________
2,423.33
Unpaid Balance
14,597.00
$ ____________
$ ____________
$ ____________
$ ____________
2,547.00
Seller Funded DAP N
Gifts
1.) Source/EIN____________________
Gov’t
NP
Family
Other
____________________
Amount of Gift
$ ______________
2.) Source/EIN____________________
Gov’t
NP
Family
Other
____________________
Amount of Gift
$ _____________
Proposed Monthly Payments
Borrowers Primary Residence
First Mortgage P&I
Monthly MIP
HOA Fees
Lease/Ground Rent
Second Mortgage P&I
Hazard Insurance
Taxes & Special Assessments
Total Mortgage Payment
Qualifying Ratios
LTV
CLTV (if 2nd permitted)
Mortgage Payment-to-income
Total Fixed Payment-to-Income
Borrower Funds to Close
Required
Verified Assets
Closing Costs
Source of Funds
No. of Months in Reserves
Seller Contribution
Secondary Financing
Source/EIN ____________________
Gov’t
NP
Family
Other
____________________
Amount of Secondary Financing
$ ______________________________
$ ____________
$ ____________
$ ____________
8,429.06
____________
____________
____________
1.273 %
Borrower
CAIVRS #
LDP/GSA
Underwriter Comments
Underwriter’s signature & date (if required)
yes
1,706.70
$ ____________
121.63
$ ____________
$ ____________
$ ____________
$ ____________
65.00
$ ____________
125.00
$ ____________
2,018.33
$ ____________
96.500 %
____________
96.500 %
____________
25.229 %
____________
____________
30.292 %
Co-Borrower
no
yes
no
CHUMS ID #
X
Risk Assessment
Scored by TOTAL?
yes
no
CHUMS ID # for Reviewer of appraisal
Risk Class
A/A or
Refer
(Required for loans scored by TOTAL with risk class A/A or loans where the appraisal and credit reviews are performed by different underwriters.)
Calyx form - fhatransum1.frm (8/2008)
form HUD-92900-LT (05/2008)
GOOD FAITH ESTIMATE
Applicants:
Property Addr:
Prepared By:
SOME BORROWER / SOME J OTHERBORROWER
123 SOME LOCATION, Saint Louis, MO 63132
ACCORD FINANCIAL, INC. Ph. 314-721-1009
7777 BONHOMME STE 2102, Clayton, MO 63105
Application No:
Date Prepared:
Loan Program:
SAMPLE FHA
05/10/2015
CONFORMING
The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates - actual charges
may be more or less. Your transaction may not involve a fee for every item listed. The numbers listed beside the estimates generally correspond to the numbered lines
contained in the HUD-1 settlement statement which you will be receiving at settlement. The HUD-1 settlement statement will show you the actual cost for items paid at settlement.
* PFC = Prepaid Finance Charge
F = FHA Allowable Closing Cost
Total Loan Amount $
Interest Rate:
Term/Due In:
270,019
4.875 %
360 / 360 mths
POC = Paid Outside of Closing
800
801
802
803
804
805
808
809
810
811
812
ITEMS PAYABLE IN CONNECTION WITH LOAN:
Loan Origination Fee
Loan Discount
Appraisal Fee
Credit Report
Lender's Inspection Fee
Mortgage Broker Fee
Paid To Broker:
Tax Related Service Fee
Processing Fee
Underwriting Fee
Wire Transfer Fee
Amount
$
Paid By
* PFC / F / POC
495.00
370.00
665.00
COMPENSATION TO BROKER (Not Paid Out of Loan Proceeds)
:
PFC
Amount
$
1100
1101
1105
1106
1107
1108
TITLE CHARGES:
Closing/Escrow Fee:
Document Preparation Fee
Notary Fees
Attorney Fees
Title Insurance:
Amount
$
Paid By
PFC / F / POC
Paid By
PFC / F / POC
Paid By
PFC / F / POC
Paid By
PFC / F / POC
Paid By
PFC / F / POC
125.00
450.00
50.00
DOC PREP/DELIVERY
Amount
1200
1201
1202
1203
GOVERNMENT RECORDING & TRANSFER CHARGES:
Recording Fees:
City/County Tax/Stamps:
State Tax/Stamps:
1300
1302
ADDITIONAL SETTLEMENT CHARGES:
Pest Inspection
900
901
902
903
904
905
ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE:
Interest
Mtg Ins. Premium
Hazard Ins. Premium
VA Funding Fee
1000
1001
1002
1003
1004
1005
RESERVES DEPOSITED WITH LENDER:
Hazard Ins. Premium
Mtg Ins. Premium Reserves
School Tax
Taxes & Assessment Reserves
Flood Insurance Reserves
95.00
$
Amount
$
Estimated Closing Costs
2,250.00
Amount
for
days @ $ 36.5651 / day $
4,644.06
780.00
Amount
2 mths @ $ 65.00 / mth $
mths @ $ 121.63 / mth
mths @ $
/ mth
5 mths @ $ 125.00 / mth
mths @ $
mths @ $
mths @ $
130.00
625.00
/ mth
/ mth
/ mth
Estimated Prepaid Items/Reserves
6,179.06
8,429.06
TOTAL ESTIMATED SETTLEMENT CHARGES
TOTAL ESTIMATED FUNDS NEEDED TO CLOSE:
TOTAL ESTIMATED MONTHLY PAYMENT:
Purchase Price (+)
Loan Amount (-)
Principal & Interest
275,000.00
270,019.00
1,428.96
Alterations (+)
New First Mortgage(-)
Other Financing (P & I)
Land (+)
Subordinate Financing (-)
Hazard Insurance
65.00
Refi (incl. debts to be paid off) (+)
CC paid by Seller (-)
125.00
Real Estate Taxes
3,500.00
Est. Prepaid Items/Reserves (+)
1,535.00
121.63
Mortgage Insurance
Est. Closing Costs (+)
Homeowner Assn. Dues
2,250.00
New 2nd Mtg Closing Costs (+)
Other
PMI, MIP, Funding Fee (+)
4,644.06
Discount (Borrower paid) (+)
FHA Required Investment (-)
FHA EEM Improvements (+)
FHA MI Premium Refund (-)
FHA 203k Rehabilitation Cost (-)
0.00
Total Estimated Funds needed to close
Total Monthly Payment
9,910.06
1,740.59
This Good Faith Estimate is being provided by ACCORD FINANCIAL, INC.
, a mortgage broker, and no lender has
been obtained. These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974, as amended (RESPA). Additional information can
be found in the HUD Special Information Booklet, which is to be provided to you by your mortgage broker or lender, if your application is to purchase residential real
property and the lender will take a first lien on the property. The undersigned acknowledges receipt of the booklet "Settlement Costs," and if applicable the Consumer
Handbook on ARM Mortgages.
Applicant
SOME BORROWER
Calyx Form - gfe.frm (09/08)
Date
Applicant
SOME J OTHERBORROWER
Date
TRUTH-IN-LENDING DISCLOSURE STATEMENT
(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
Applicants:
SOME BORROWER / SOME J OTHERBORROWER
Property Address: 123 SOME LOCATION
Application No:
Prepared By:
ACCORD FINANCIAL, INC.
7777 BONHOMME STE 2102
Clayton , MO 63105
Date Prepared: 05/10/2015
Ph: 314-721-1009
Saint Louis, MO 63132
SAMPLE FHA
ANNUAL PERCENTAGE
RATE
The cost of your credit as a yearly
rate
FINANCE
AMOUNT
CHARGE
FINANCED
The dollar amount the credit will The amount of credit provided to
cost you
you or on your behalf
TOTAL OF
PAYMENTS
The amount you will have paid
after making all payments as
scheduled
$
$
5.706 % $
291,225.41
266,989.00
REQUIRED DEPOSIT: The annual percentage rate does not take into account your required deposit
PAYMENTS: Your payment schedule will be:
No. of
Pmts
Amount of
Payments **
Payments
Due
No. of
Pmts
Monthly Beginning:
359
1
Amount of
Payments **
Payments
Due
No. of
Pmts
Amount of
Payments **
Monthly Beginning:
Payments
Due
No. of
Pmts
558,214.41
Amount of
Payments **
Monthly Beginning:
Payments
Due
Monthly Beginning:
1,550.59
1,552.60
DEMAND FEATURE: This obligation has a demand feature.
VARIABLE RATE FEATURE: This loan contains a variable rate feature. A variable rate disclosure has been provided earlier.
CREDIT LIFE/CREDIT DISABILITY: Credit life insurance and credit disability insurance are not required to obtain credit,
and will not be provided unless you sign and agree to pay the additional cost.
Type
Premium
Signature
Credit Life
I want credit life insurance.
Signature:
Credit Disability
I want credit disability insurance.
Signature:
Credit Life and Disability
I want credit life and disability insurance.
Signature:
INSURANCE: The following insurance is required to obtain credit:
Credit life insurance
Credit disability
Property insurance
Flood insurance
You may obtain the insurance from anyone you want that is acceptable to creditor.
If you purchase
property
flood insurance from creditor you will pay $
for a one year term.
SECURITY: You are giving a security interest in: 123 SOME LOCATION, Saint Louis MO 63132
The goods or property being purchased
Real property you already own.
FILING FEES: $
LATE CHARGE: If a payment is more than 15 days late, you will be charged 5.000 % of the payment.
may
will not have to pay a penalty.
PREPAYMENT: If you pay off early, you
may
will not be entitled to a refund of part of the finance charge.
ASSUMPTION: Someone buying your property
may
may, subject to conditions
may not assume the remainder of your loan on the original terms.
See your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date and
* means an estimate
all dates and numerical disclosures except the late payment disclosures are estimates.
prepayment refunds and penalties
* * NOTE: The Payments shown above include reserve deposits for Mortgage Insurance (if applicable), but exclude Property Taxes and Insurance.
You are not required to complete this agreement merely because you have received these disclosures or signed a loan application.
THE UNDERSIGNED ACKNOWLEDGES RECEIVING A COMPLETED COPY OF THIS DISCLOSURE.
Applicant
Date
Applicant
Applicant
Date
Applicant
Lender
Date
SOME BORROWER
SOME J OTHERBORROWER
Date
Date
Calyx Form - til.frm (03/09)

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