Within 3 business days of receiving 2800 Real property comprised of a CAL. BUS. & PROF. CA Balloon an application, or Initial Disclosure (upon A loan secured by a dwelling 1- to 4- residential unit CODE § (West No No Disclosure before closing request) dwelling 2012) (whichever is earlier) Real property, comprised of a At least 3 HCL Prepayment 1- to 4- residential unit CAL. FIN. CODE § 2892 A covered loan business days No No Initial Disclosure Charge Disclosure dwelling that is the principal (West 2012) prior to closing. dwelling of the consumer. NMLS Unique Identifier Disclosed A 1- to 4- unit residential On the CAL. FIN. CODE § Initial Disclosure on 1003 Uniform On 4193 Residential mortgage loan structure or residential real No No application (West 2012) Residential Loan estate Application CA Finance CAL. FIN. CODE § At the time the Lenders Law (West 2012); CAL. Initial Disclosure 5188 Real property Consumer final negotiation No No Statement of Loan CODE REGS. tit. 10, is made - Broker § (2012) CA Addendum to CAL. FAM. CODE § Initial Disclosure 6095 Not specified Not specified Not specified No No Loan Application (West 2012) Before charging a A federally-related mortgage Residential real property California Rate rate-lock fee, CAL. FIN. CODE § Initial Disclosure 7442 loan, including construction consisting of a 1- to 4- family No No Lock Agreement payable before (West 2012) loans. structure. closing No later than 15 Notice of days after Automated A consumer loan transaction CAL. FIN. CODE § Initial Disclosure 11978 Real property receiving a No No Valuation Model secured by real property. (West 2012) completed Result application
Initial Disclosure CA Balloon Disclosure 2800 (upon request) A loan secured by a dwelling Real property comprised of a 1- to 4- residential unit dwelling Within 3 business days of receiving an application, or before closing (whichever is earlier) CAL. BUS. & PROF. CODE § (West 2012) No No Initial Disclosure HCL Prepayment Charge Disclosure 2892 A covered loan Real property, comprised of a 1- to 4- residential unit dwelling that is the principal dwelling of the consumer. At least 3 business days prior to closing. CAL. FIN. CODE § (West 2012) No No Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 Residential mortgage loan A 1- to 4- unit residential structure or residential real estate On the application CAL. FIN. CODE § (West 2012) No No Initial Disclosure CA Finance Lenders Law Statement of Loan - Broker 5188 Real property Consumer At the time the final negotiation is made CAL. FIN. CODE § (West 2012); CAL. CODE REGS. tit. 10, § (2012) No No Initial Disclosure CA Addendum to Loan Application 6095 Not specified Not specified Not specified CAL. FAM. CODE § (West 2012) No No Initial Disclosure California Rate Lock Agreement 7442 A federally-related mortgage loan, including construction loans. Residential real property consisting of a 1- to 4- family structure. Before charging a rate-lock fee, payable before closing CAL. FIN. CODE § (West 2012) No No Initial Disclosure Notice of Automated Valuation Model Result 11978 A consumer loan transaction secured by real property. Real property No later than 15 days after receiving a completed application CAL. FIN. CODE § (West 2012) No No
Initial-Disclosure-Signature-Matrix.docx