A mortgage loan, Residential real used to finance the property, Prior to the taking of purchase of a consisting of real an application, N.Y. COMP. CODES NY Application dwelling, or in property application fee, credit Initial Disclosure 9710 R. & REGS. tit 3, § No No Disclosure connection therewith improved by a report fee, or (2013) commitment fees or family, property appraisal points are paid prior owner-occupied fee to closing dwelling Real estate Within 3 days after N.Y. BANKING LAW improved by a determining the loan § (McKinney NY Consumer Caution A high cost home family, is a high-cost home Initial Disclosure 12865 2013); N.Y. COMP. No No Notice loan loan, but no less than CODES R. & REGS. 10 days before tit. 3, § (2013) structure closing. At application or, if application is made Real estate upon by telephone, within is (or will be) 3 days N.Y. COMP. CODES NY Notice to A high cost home a 1-to-4 family, Initial Disclosure 12870 determining the loan R. & REGS. tit. 3, § No No Borrower loan is a high-cost home (2013) loan, but no less than structure 10 days before closing. Within 3 days N.Y. BANKING LAW Good Faith Estimate Initial Disclosure 14221 A home loan Not specified receipt of § (McKinney No No 01-01-10 application. 2013) Real estate improved by a N.Y. BANKING LAW NY Subprime Loan A subprime home At the time of Initial Disclosure 14482 family, § (McKinney No No Counseling Disclosure loan application. owner-occupied 2013) dwelling
Initial Disclosure NY Application Disclosure 9710 A mortgage loan, used to finance the purchase of a dwelling, or in connection therewith commitment fees or points are paid prior to closing Residential real property, consisting of real property improved by a family, owner-occupied dwelling Prior to the taking of an application, application fee, credit report fee, or property appraisal fee N.Y. COMP. CODES R. & REGS. tit 3, § (2013) No No Initial Disclosure NY Consumer Caution Notice 12865 A high cost home loan Real estate improved by a family, structure Within 3 days after determining the loan is a high-cost home loan, but no less than 10 days before closing. N.Y. BANKING LAW § (McKinney 2013); N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure NY Notice to Borrower 12870 A high cost home loan Real estate upon is (or will be) a 1-to-4 family, structure At application or, if application is made by telephone, within 3 days determining the loan is a high-cost home loan, but no less than 10 days before closing. N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure Good Faith Estimate 01-01-10 14221 A home loan Not specified Within 3 days receipt of application. N.Y. BANKING LAW § (McKinney 2013) No No Initial Disclosure NY Subprime Loan Counseling Disclosure 14482 A subprime home loan Real estate improved by a family, owner-occupied dwelling At the time of application. N.Y. BANKING LAW § (McKinney 2013) No No
Initial-Disclosure-Signature-Matrix.docx