A 1-to-6 family dwelling which is (or At 3 business NJ Notice to N.J. STAT. ANN. § Initial Disclosure 4440 A high-cost home loan will be) occupied by a days prior to Yes No Borrower (West 2013) borrower as a consummation. principal dwelling Either: (1) a loan; or Either: (1) real (2) a mortgage loan, N.J. STAT. ANN. § property; or (2) real NJ Commitment secured by a (West 2013); N.J. Initial Disclosure 4479 property on which Not specified Yes Yes Letter mortgage on real ADMIN. CODE & there are 1-to-4 property and which (2013) dwelling units has a closed-end A mortgage loan, Not specified, but secured by a first Real property on NJ Rate Lock In practically more N.J. ADMIN. CODE – Initial Disclosure 4480 mortgage on real which there are 1-to-4 Yes Yes Agreement than 3 days before & (2013) property and which dwelling units closing has a closed-end Either: (1) real property; or (2) residential real estate, Before borrower N.J. STAT. ANN. § Either: (1) a loan; or upon which is (or is NJ Right to Choose accepts a written (West 2013); N.J. Initial Disclosure 5097 (2) a secondary intended to be) No No Own Attorney by the lender ADMIN. CODE mortgage loan constructed a 1-to-4 to make a loan (2013) family dwelling (as defined in Section 103[v] of TILA) NJ Addendum to N.J. STAT. ANN. §§ Initial Disclosure 11886 Not specified Not specified Not specified No No Loan Application & (West 2013) Every contract of sale NJ Private Well N.J. STAT. ANN. § Closing 4441 of real property (i.e. a Real property At closing Yes No Test Results (West 2013) purchase loan)
Initial Disclosure NJ Notice to Borrower 4440 A high-cost home loan A 1-to-6 family dwelling which is (or will be) occupied by a borrower as a principal dwelling At 3 business days prior to consummation. N.J. STAT. ANN. § (West 2013) Yes No Initial Disclosure NJ Commitment Letter 4479 Either: (1) a loan; or (2) a mortgage loan, secured by a mortgage on real property and which has a closed-end Either: (1) real property; or (2) real property on which there are 1-to-4 dwelling units Not specified N.J. STAT. ANN. § (West 2013); N.J. ADMIN. CODE & (2013) Yes Yes Initial Disclosure NJ Rate Lock – In Agreement 4480 A mortgage loan, secured by a first mortgage on real property and which has a closed-end Real property on which there are 1-to-4 dwelling units Not specified, but practically more than 3 days before closing N.J. ADMIN. CODE & (2013) Yes Yes Initial Disclosure NJ Right to Choose Own Attorney 5097 Either: (1) a loan; or (2) a secondary mortgage loan Either: (1) real property; or (2) residential real estate, upon which is (or is intended to be) constructed a 1-to-4 family dwelling (as defined in Section 103[v] of TILA) Before borrower accepts a written by the lender to make a loan N.J. STAT. ANN. § (West 2013); N.J. ADMIN. CODE (2013) No No Initial Disclosure NJ Addendum to Loan Application 11886 Not specified Not specified Not specified N.J. STAT. ANN. §§ & (West 2013) No No Closing NJ Private Well Test Results 4441 Every contract of sale of real property (i.e. a purchase loan) Real property At closing N.J. STAT. ANN. § (West 2013) Yes No
Initial-Disclosure-Signature-Matrix.docx