An installment Yes, when insurance Before any credit life Florida Credit Life loan or a home FLA. STAT. ANN. § not sold 7225 Not specified insurance may be No Initial Disclosure Disclosure equity line of (West 2012) telephonically to sold. credit borrower A consumer’s A loan which Tangible Net 12531 (upon principal dwelling FLA. STAT. ANN. § Initial Disclosure refinances a Not specified No No Benefit Worksheet request) consisting of 1-to-4 (West 2012) cost home loan family housing units. A dwelling (as defined in 12 USCA FLA. STAT. ANN. § §§1601 et seq.) or FL Interest Rate (West 2012); FLA. Initial Disclosure 13498 A mortgage loan residential real estate Not specified No Yes Lock Agreement ADMIN. CODE ANN. r. upon which a & (2013) dwelling is to be constructed. A dwelling (as defined in 12 USCA FL High Cost Loan §§1601 or At least 3 business et seq.) A high-cost home FLA. STAT. ANN. § Prepayment 15133 residential real estate days prior to the loan No No Initial Disclosure loan (West 2012) Penalty Disclosure upon which a consummation. dwelling is to be constructed. A dwelling (as Within 3 business defined in 12 USCA days after a licensee §§1601 et seq.) or under Part III, Chapter FLA. STAT. ANN. § Good 14221 Initial Disclosure A mortgage loan residential real estate 494 of Florida’s (West 2012); FLA. No No Estimate 01-01-10 (Federal) upon which a Annotated Statues ADMIN. CODE ANN. r. dwelling is to be receives a written constructed. loan application.
Initial Disclosure Florida Credit Life Disclosure 7225 An installment loan or a home equity line of credit Not specified Before any credit life insurance may be sold. FLA. STAT. ANN. § (West 2012) Yes, when insurance not sold telephonically to borrower No Initial Disclosure Tangible Net Benefit Worksheet 12531 (upon request) A loan which refinances a home loan A consumer’s principal dwelling consisting of 1-to-4 family housing units. Not specified FLA. STAT. ANN. § (West 2012) No No Initial Disclosure FL Interest Rate Lock Agreement 13498 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. Not specified FLA. STAT. ANN. § (West 2012); FLA. ADMIN. CODE ANN. r. & (2013) No Yes Initial Disclosure FL High Cost Loan Prepayment Penalty Disclosure 15133 A high-cost home loan A dwelling (as defined in 12 USCA §§1601 et seq.) or residential real estate upon which a dwelling is to be constructed. At least 3 business days prior to the loan consummation. FLA. STAT. ANN. § (West 2012) No No Initial Disclosure Good Estimate 01-01-10 14221 (Federal) 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. Within 3 business days after a licensee under Part III, Chapter 494 of Florida’s Annotated Statues receives a written loan application. FLA. STAT. ANN. § (West 2012); FLA. ADMIN. CODE ANN. r. No No cost