Either: (1) a 1-to-4 family dwelling; (2) a dwelling or Either: (1) a covered residential real MD. CODE ANN., loan, including a estate on which a At the time the COM. LAW §§ & MD Covered Loan 3824 and secondary mortgage dwelling is or is Initial Disclosure borrower completes (West 2012); MD. No No Application Disclosure 15232 loan; (2)a mortgage intended to be the application. CODE REGS. & loan; or (3) a reverse constructed (which (2013) mortgage is owner occupied); or (3) the borrower’s principal dwelling A purchase money MD. CODE ANN., loan, or a refinance, At least 72 hours COM. LAW §§ , , & Owner-occupied Initial Disclosure MD Loan Commitment 4174 which is also a first before the time of (West 2012); MD. Yes No family home mortgage or first settlement CODE REGS. deed of trust (2013) A single family or MD Right to Rescind MD. CODE ANN., 1-to-4 family unit After receiving the Initial Disclosure After Written 4177 A mortgage loan REAL PROP. § No No residential real application Application (West 2012) property A single family or MD to Rescind At or before the MD. CODE ANN., 1-to-4 family unit Initial Disclosure Before Written 4178 A mortgage loan time application is REAL PROP. § No No residential real Application made. (West 2012) property An owner-occupied MD. CODE ANN., dwelling or Before undertaking COM. LAW §§ & residential real to assist the Initial Disclosure MD Broker Contract 4565 Mortgage loans (West 2012); MD. Yes Yes estate upon which borrower in CODE REGS. & a dwelling will be obtaining a loan. (2013) placed.
Initial Disclosure MD Covered Loan Application Disclosure 3824 and 15232 Either: (1) a covered loan, including a secondary mortgage loan; (2)a mortgage loan; or (3) a reverse mortgage Either: (1) a 1-to-4 family dwelling; (2) a dwelling or residential real estate on which a dwelling is or is intended to be constructed (which is owner occupied); or (3) the borrower’s principal dwelling At the time the borrower completes the application. MD. CODE ANN., COM. LAW §§ & (West 2012); MD. CODE REGS. & (2013) No No Initial Disclosure MD Loan Commitment 4174 A purchase money loan, or a refinance, which is also a first mortgage or first deed of trust Owner-occupied family home At least 72 hours before the time of settlement MD. CODE ANN., COM. LAW §§ , , & (West 2012); MD. CODE REGS. (2013) Yes No Initial Disclosure MD Right to Rescind After Written Application 4177 A mortgage loan A single family or 1-to-4 family unit residential real property After receiving the application MD. CODE ANN., REAL PROP. § (West 2012) No No Initial Disclosure MD to Rescind Before Written Application 4178 A mortgage loan A single family or 1-to-4 family unit residential real property At or before the time application is made. MD. CODE ANN., REAL PROP. § (West 2012) No No Initial Disclosure MD Broker Contract 4565 Mortgage loans An owner-occupied dwelling or residential real estate upon which a dwelling will be placed. Before undertaking to assist the borrower in obtaining a loan. MD. CODE ANN., COM. LAW §§ & (West 2012); MD. CODE REGS. & (2013) Yes Yes
Initial-Disclosure-Signature-Matrix.docx