California Proper Name of Generic Cx Timing Borrower’s Lender’s Loan Type Property Legal Reference Disclosure Number Requirement Signature Signature (Package Type) Required? Required? Within 15 days after lender CAL. BUS. & PROF. Copy of Appraisal Initial Disclosure 6 A loan transaction Residential real property receives the CODE § (West No No Report Notice written 2012) application. Real property that contains a Prior to the CA Impound A loan secured by a deed of single-family dwelling that will execution of the CAL. CIV. CODE § 1231 No No Initial Disclosure Account Statement trust or mortgage be occupied by the owner loan or sales (West 2012) within 90 days of closing. agreement. A federally regulated CAL. BUS. & PROF. residential mortgage loan, With forms CODE § (West CA Disclosure Dwellings or residential real Initial Disclosure 2687 including a loan made to furnished for 2012); CAL. CODE Yes No Receipt property finance construction of a 1- to application REGS. tit. 10, § 4- family dwelling. (2013) As soon as CA Mortgage A federally related mortgage A structure designed practical after CAL. FIN. CODE § Initial Disclosure Brokerage 2784 loan, including a construction principally for occupancy of request for Yes Yes (West 2012) Agreement loan from 1- to 4- families. brokerage services
California (Package Type) Proper Name of Disclosure Generic Cx Number Loan Type Property Timing Requirement Legal Reference Borrower’s Signature Required? Lender’s Signature Required? Initial Disclosure Copy of Appraisal Report Notice 6 A loan transaction Residential real property Within 15 days after lender receives the written application. CAL. BUS. & PROF. CODE § (West 2012) No No Initial Disclosure CA Impound Account Statement 1231 A loan secured by a deed of trust or mortgage Real property that contains a single-family dwelling that will be occupied by the owner within 90 days of closing. Prior to the execution of the loan or sales agreement. CAL. CIV. CODE § (West 2012) No No Initial Disclosure CA Disclosure Receipt 2687 A federally regulated residential mortgage loan, including a loan made to finance construction of a 1- to 4- family dwelling. Dwellings or residential real property With forms furnished for application CAL. BUS. & PROF. CODE § (West 2012); CAL. CODE REGS. tit. 10, § (2013) Yes No Initial Disclosure CA Mortgage Brokerage Agreement 2784 A federally related mortgage loan, including a construction loan A structure designed principally for occupancy of from 1- to 4- families. As soon as practical after request for brokerage services CAL. FIN. CODE § (West 2012) Yes Yes
Initial-Disclosure-Signature-Matrix.docx