Residential property having thereon a Prior to taking a dwelling house with rate lock MA Mortgage Loan 13544 or accommodations for commitment fee, 209 MASS. CODE Initial Disclosure Rate Lock 14521 (upon A mortgage loan 1-to-4 households and or otherwise No No REGS. (2013) Commitment request) occupied (or to be offering or occupied) by the entering into a obligor (in whole or in lock commitment part) A consumer’s principal dwelling, MA High Cost Home A high cost home consisting of 1-to-4 209 MASS. CODE Initial Disclosure 14937 Not specified No No Loan Disclosure loan units, regardless of REGS. (2013) whether it is attached to real property Residential real property of 1- to-4 MA Addendum to Within 10 MASS. GEN. Either: (1) credit; or separate households Statement of Credit On 15858 business days of LAWS ANN. ch. Initial Disclosure (2) a residential occupied (or to be No No Denial, Termination, (Federal) deciding to take 93, § ; ch. 183, mortgage loan occupied) by the or Change adverse action § (West 2013) applicant (in whole or in part) Various, but primarily State a dwelling, which is a MASS. GEN. Act 18, 1591, Various, but residential structure LAWS ANN. ch. Disclosures 8204, 15444, primarily a or mobile home 140D, §§ Initial Disclosure or Closing Complied with by Various No No and other TILA consumer credit containing 1-to-4 (West 2013); Federal Disclosures transaction family housing units, 209 MASS. CODE Act or individual units of REGS. (2013) Disclosures condos or co-ops
Initial Disclosure MA Mortgage Loan Rate Lock Commitment 13544 or 14521 (upon request) A mortgage loan Residential property having thereon a dwelling house with accommodations for 1-to-4 households and occupied (or to be occupied) by the obligor (in whole or in part) Prior to taking a rate lock commitment fee, or otherwise offering or entering into a lock commitment 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA High Cost Home Loan Disclosure 14937 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 Not specified 209 MASS. CODE REGS. (2013) No No Initial Disclosure MA Addendum to Statement of Credit Denial, Termination, or Change On 15858 (Federal) Either: (1) credit; or (2) a residential mortgage loan Residential real property of 1- to-4 separate households occupied (or to be occupied) by the applicant (in whole or in part) Within 10 business days of deciding to take adverse action MASS. GEN. LAWS ANN. ch. 93, § ; ch. 183, § (West 2013) No No Initial Disclosure or Closing State Act Disclosures Complied with by Federal Act Disclosures 18, 1591, 8204, 15444, and other TILA Disclosures Various, but primarily a consumer credit transaction Various, but primarily a dwelling, which is a residential structure or mobile home containing 1-to-4 family housing units, or individual units of condos or co-ops Various MASS. GEN. LAWS ANN. ch. 140D, §§ (West 2013); 209 MASS. CODE REGS. (2013) No No
Initial-Disclosure-Signature-Matrix.docx