MASS. GEN. A home loan which LAWS ANN. ch. Real estate improved refinances another 183, § (West MA Borrower’s with a 1-to-4 family No later than Initial Disclosure 5771 home loan within 60 2013); 209 No No Interest Worksheet dwelling, by closing months prior to MASS. CODE the borrower application REGS. , , & (2013) Residential property, consisting of a A “no dwelling house with documentation” accommodations for mortgage loan, but MA No Doc/Limited 1-to-4 separate In advance of the 940 MASS. CODE Initial Disclosure 13093 excluding certain Yes No Doc Disclosure households that is (or closing REGS. (2013) reverse mortgages is intended to be) and open-end home occupied by the equity lines of credit obligor (either in whole or in part) MASS. GEN. LAWS ANN. ch. 184, § (West Owner-occupied, MA Counseling An adjustable-rate At or before 2013); Division Initial Disclosure 13391 family residential Yes No Disclosure subprime loan closing of Banks property Regulatory Bulletion (2012)
Initial Disclosure MA Borrower’s Interest Worksheet 5771 A home loan which refinances another home loan within 60 months prior to application Real estate improved with a 1-to-4 family dwelling, by the borrower No later than closing MASS. GEN. LAWS ANN. ch. 183, § (West 2013); 209 MASS. CODE REGS. , , & (2013) No No Initial Disclosure MA No Doc/Limited Doc Disclosure 13093 A “no documentation” mortgage loan, but excluding certain reverse mortgages and open-end home equity lines of credit Residential property, consisting of a dwelling house with accommodations for 1-to-4 separate households that is (or is intended to be) occupied by the obligor (either in whole or in part) In advance of the closing 940 MASS. CODE REGS. (2013) Yes No Initial Disclosure MA Counseling Disclosure 13391 An adjustable-rate subprime loan Owner-occupied, family residential property At or before closing MASS. GEN. LAWS ANN. ch. 184, § (West 2013); Division of Banks Regulatory Bulletion (2012) Yes No
Initial-Disclosure-Signature-Matrix.docx