Lender’s Florida Proper Name of Generic Cx Borrower’s Loan Type Property Timing Requirement Legal Reference Signature Disclosure Number Signature Required? (Package Type) Required? Disclosure of APR A consumer’s Initial Disclosure and Monthly Not less than 3 On 1591 A high-cost home principal dwelling FLA. STAT. ANN. § and TILA Payments on business days prior to No No (Federal) loan consisting of 1-to-4 (West 2012) Redisclosure Truth-in-Lending consummation family housing units. Disclosure At the time when an A dwelling (as adjustable rate 1591 (Federal) defined in 12 USCA Initial Disclosure mortgage loan is Initial & CHARM §§1601 et seq.) or FLA. STAT. ANN. § and TILA A mortgage loan offered and whenever No No Lending Disclosure Booklet residential real estate (West 2012) the terms of such loan Redisclosure (Federal) upon a dwelling materially changes is to be constructed. before closing. FLA. STAT. ANN. § When negotiations FL Anti Coercion An extension of (West 2012); FLA. Initial Disclosure 2834 Not specified begin and before Yes No Insurance Notice credit or loan ADMIN. CODE ANN. r. application. , , & (2013) A dwelling (as defined in 12 USCA §§1601 et seq.) or FL Application Before accepting FLA. STAT. ANN. § Initial Disclosure 3421 A mortgage loan residential real estate Yes No Disclosure typical advanced fees. (West 2012) upon which a dwelling is to be constructed.
Florida (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure and TILA Redisclosure Disclosure of APR and Monthly Payments on Truth-in-Lending Disclosure On 1591 (Federal) A high-cost home loan A consumer’s principal dwelling consisting of 1-to-4 family housing units. Not less than 3 business days prior to consummation FLA. STAT. ANN. § (West 2012) No No Initial Disclosure and TILA Redisclosure Initial Disclosure 1591 (Federal) & CHARM Booklet (Federal) A mortgage loan A dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon a dwelling is to be constructed. At the time when an adjustable rate mortgage loan is offered and whenever the terms of such loan materially changes before closing. FLA. STAT. ANN. § (West 2012) No No Initial Disclosure FL Anti Coercion Insurance Notice 2834 An extension of credit or loan Not specified When negotiations begin and before application. FLA. STAT. ANN. § (West 2012); FLA. ADMIN. CODE ANN. r. , , & (2013) Yes No Initial Disclosure FL Application Disclosure 3421 A mortgage loan A dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed. Before accepting typical advanced fees. FLA. STAT. ANN. § (West 2012) Yes No Lending