Loan File Checklist / Stacking Order

Team Primary – Loan File Checklist / Stacking Order Conventional / FHA

Borrower: Loan #: Date Reviewed:

LO / OPTS / DON”T FORGET TO SIGN THE DOCS!
File Submission Form – FILLED OUT COMPLETELY
Letter of Explanation to the Underwriter from the Loan Officer
DU or LP Findings
Credit Report – (Refinance transaction must be updated to current month for all accts)
Copy of Rate Lock / Registration – YOU MUST CHOOSE AN INVESTOR
Credit Inquiry / Past Address Letter – Signed by Borrower
1003 – Loan Application
DISCLOSURES – ALL MUST BE SIGNED & DATED
Good Faith Estimate
Truth in Lending
Servicing Disclosure
Borrowers Cert and Auth
Privacy Policy
Customer Identification Notice
4506-T
HUD Addendum to URLA (FHA ONLY)
Amendatory Clause (FHA PURCHASE ONLY)
Notice to Homeowner (FHA ONLY)
Informed Consumer Choice Disclosure (FHA ONLY)
For Your Protection (FHA PURCHASE ONLY)
Important Notice to Homebuyer (FHA ONLY)
FHA Identity of Interest Cert (FHA PURCHASE ONLY)
Notice to Purchasers – Led Paint (FHA PURCHASE ONLY)
Fee Deposit Agreement
Affidavit of Occupancy – Misc Disc
Face to Face Interview Cert (FHA PURCHASE ONLY)
Credit Score Disclosure
Intent to Proceed
Social Security Verification
Settlement Server Provider List
Important Notice about Credit Monitoring
Appraisal Service Provider Disclosure
STATE DISCLOSURES – CT’s are listed
CT Interim Financing Policy Disclosure
CT Lock in Agreement / Commitment
CT Private Mortgage Insurance Disclosure
CT Notice of Legal Representation
CT Agreement of Non-Refundability
INCOME DOCUMENTATION
The Past 4 Weeks Paystubs
The Past 2 Years W2’s
Tax Returns – If needed (self employed or Non Reimbursed Exp)
ASSET DOCUMENTATION
Asset Statements – ALL PAGES – Proof & explanation for ALL large deposits
REFINANCE INFORMATION
Proof of Mortgage, Taxes and HOI on any additional property owned
Current Mortgage Statement (Opener to get Payoff Statement)
Current Homeowners Policy & Bill
Copy of any bills being paid off with proceeds - Note for 2nd Mtge if re-subordinating
PURCHASE INFORMATION
Purchase and Sales Contract – READ IT! Inspections Required? Personal Property?
IDENTITY INFORMATION
Copy of Photo ID / SS Card if Required by DO (legible photo w/date of birth legible)
Credit Card Order Form