Not specified, but Either: (1) practically within 90 days of Me. Rev. Stat. Adverse Action A consumer credit manufactured taking action on the Appraisal Ann. tit. 9-A, §§ and Initial 3397 transaction housing or an application (or the No No Disclosure & ; tit. 9-B, § Disclosure (consumer loan) interest in land; or application is withdrawn), (2011) (2) real estate or at the date of closing, whichever is ME. REV. STAT. Either: (1) an tit. 9-A, § Before any agreement is ME Disclosure to extension of credit; (2012); ME. Initial Disclosure 3764 Not specified entered into or any money Yes Yes Consumer or (2) consumer CODE R. 02-030, paid. credit ch. 350, § (2013) NMLS Unique A dwelling or Identifier Disclosed residential real ME. REV. STAT. On 4193 A residential Initial Disclosure on 1003 Uniform estate upon At application tit. 9-A, § No No (FNMA) mortgage loan Residential Loan there will be a (2012) Application dwelling ME. REV. STAT. ME Broker tit. 9-A, § Agreement and 4517 & (2012); ME. Initial Disclosure Consumer credit Not specified Not specified Yes No Good Faith (latter Federal) CODE R. 02-030, Estimate 01-01-10 ch. 350, § (2013) Residential real ME HCL or HPML A high-cost property that is the Reasonable, ME. CODE R. mortgage loan or a borrower’s principal Before engaging in the act Initial Disclosure Tangible Net 13190 or 16407 ch. 550, §§ Yes Yes higher-priced dwelling and of “flipping” Benefit Disclosure , & and (2013) mortgage loan consists of 1-to-4 Form family units
Adverse Action and Initial Disclosure Appraisal Disclosure 3397 A consumer credit transaction (consumer loan) Either: (1) manufactured housing or an interest in land; or (2) real estate Not specified, but practically within 90 days of taking action on the application (or the application is withdrawn), or at the date of closing, whichever is Me. Rev. Stat. Ann. tit. 9-A, §§ & ; tit. 9-B, § (2011) No No Initial Disclosure ME Disclosure to Consumer 3764 Either: (1) an extension of credit; or (2) consumer credit Not specified Before any agreement is entered into or any money paid. ME. REV. STAT. tit. 9-A, § (2012); ME. CODE R. 02-030, ch. 350, § (2013) Yes Yes Initial Disclosure NMLS Unique Identifier Disclosed on 1003 Uniform Residential Loan Application On 4193 (FNMA) A residential mortgage loan A dwelling or residential real estate upon there will be a dwelling At application ME. REV. STAT. tit. 9-A, § (2012) No No Initial Disclosure ME Broker Agreement and Good Faith Estimate 01-01-10 4517 & (latter Federal) Consumer credit Not specified Not specified ME. REV. STAT. tit. 9-A, § (2012); ME. CODE R. 02-030, ch. 350, § (2013) Yes No Initial Disclosure ME HCL or HPML Reasonable, Tangible Net Benefit Disclosure Form 13190 or 16407 A high-cost mortgage loan or a higher-priced mortgage loan Residential real property that is the borrower’s principal dwelling and consists of 1-to-4 family units Before engaging in the act of “flipping” ME. CODE R. ch. 550, §§ , & and (2013) Yes Yes
Initial-Disclosure-Signature-Matrix.docx