Either: (1) 1-to-4 MASS. GEN. family residential Either: (1) a LAWS ANN. ch. MA Addendum to property; or (2) mortgage loan; or 184, § (West Initial Disclosure Uniform Residential 3573 residential property, At application No No (2) a residential 2013); 209 Loan Application consisting a 1-to-4 mortgage loan MASS. CODE unit dwelling house, REGS. (2013) occupied by the obligor On the MA High Cost Loan A consumer’s application (4193) Application principal dwelling, 3742 and on or within 24 Disclosure and HCL A high home including a 1-to-4 unit 209 MASS. CODE Initial Disclosure 4193 (latter after determining No No Notice on 1003 loan dwelling, regardless of REGS. & (2013) FNMA) that the loan is a Uniform Residential whether it is attached high cost home Loan Application to real property. loan (3742). A consumer’s principal dwelling, At least 3 MA High Cost Loan A high cost home consisting of 1-to-4 business days 209 MASS. CODE Initial Disclosure 3745 Yes Yes Insurance Disclosure loan units, regardless of before the loan is REGS. (2013) whether it is attached closed to real property At or before A consumer’s application or principal dwelling, within 24 hours MA High Cost Loan A high cost home including a 1-to-4 unit 209 MASS. CODE Initial Disclosure 3746 after determining No No Payment Disclosure loan dwelling, regardless of REGS. & (2013) that the loan is a whether it is attached high cost home to real property. loan.
Initial Disclosure MA Addendum to Uniform Residential Loan Application 3573 Either: (1) a mortgage loan; or (2) a residential mortgage loan Either: (1) 1-to-4 family residential property; or (2) residential property, consisting a 1-to-4 unit dwelling house, occupied by the obligor At application MASS. GEN. LAWS ANN. ch. 184, § (West 2013); 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA High Cost Loan Application Disclosure and HCL Notice on 1003 Uniform Residential Loan Application 3742 and on 4193 (latter FNMA) A high home loan A consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property. On the application (4193) or within 24 after determining that the loan is a high cost home loan (3742). 209 MASS. CODE REGS. & (2013) No No Initial Disclosure MA High Cost Loan Insurance Disclosure 3745 A high cost home loan A consumer’s principal dwelling, consisting of 1-to-4 units, regardless of whether it is attached to real property At least 3 business days before the loan is closed 209 MASS. CODE REGS. (2013) Yes Yes Initial Disclosure MA High Cost Loan Payment Disclosure 3746 A high cost home loan A consumer’s principal dwelling, including a 1-to-4 unit dwelling, regardless of whether it is attached to real property. At or before application or within 24 hours after determining that the loan is a high cost home loan. 209 MASS. CODE REGS. & (2013) No No
Initial-Disclosure-Signature-Matrix.docx