A loan under Truth-in-Lending Chapter 342, Title 4 TEX. FIN. CODE Disclosure and On 18 A 1-to-4 family Before taking a loan Closing of Texas’ Finance ANN. § (West No No Total Payments 15444 dwelling obligation Code (a consumer 2011) Itemization loan) Notice of TEX. PROP. CODE Not specified, but Confidentiality Rights On 352 Not specified Real property ANN. § (West No No Closing practically at closing on TX Deed of Trust 2011) A credit transaction At the time the TEX. FIN. CODE TX Collateral Protection Closing 1015 for which a credit Real property credit agreement is ANN. § (West No No Act Notice agreement exists executed 2011) TX Home Equity On the date the Affidavit of Fair Market A 50(a)(6) equity TEX. CONST. art. Closing 3653 A homestead extension of credit is Yes Yes Value of Homestead loan 16, § made Property A loan agreement in TEX. BUS. & COM. TX Notice of No Oral which the amount In or with the loan Closing 3682 Not specified ANN. § (West Yes Yes Agreements of the loan exceeds agreement 2011) $50,000 A loan which refinances any loans TX Affidavit of described in Tex. TEX. CONST. art. Reasonable Costs on Const. art. 16, § 16, § ; 7 TEX. Closing 3684 A homestead Not specified No No Homestead Property 50(a)(1) through ADMIN. CODE § Refinance (a)(5), which (2013) includes an advance of additional funds
Closing Truth-in-Lending Disclosure and Total Payments Itemization On 18 15444 A loan under Chapter 342, Title 4 of Texas’ Finance Code (a consumer loan) A 1-to-4 family dwelling Before taking a loan obligation TEX. FIN. CODE ANN. § (West 2011) No No Closing Notice of Confidentiality Rights on TX Deed of Trust On 352 Not specified Real property Not specified, but practically at closing TEX. PROP. CODE ANN. § (West 2011) No No Closing TX Collateral Protection Act Notice 1015 A credit transaction for which a credit agreement exists Real property At the time the credit agreement is executed TEX. FIN. CODE ANN. § (West 2011) No No Closing TX Home Equity Affidavit of Fair Market Value of Homestead Property 3653 A 50(a)(6) equity loan A homestead On the date the extension of credit is made TEX. CONST. art. 16, § Yes Yes Closing TX Notice of No Oral Agreements 3682 A loan agreement in which the amount of the loan exceeds $50,000 Not specified In or with the loan agreement TEX. BUS. & COM. ANN. § (West 2011) Yes Yes Closing TX Affidavit of Reasonable Costs on Homestead Property Refinance 3684 A loan which refinances any loans described in Tex. Const. art. 16, § 50(a)(1) through (a)(5), which includes an advance of additional funds A homestead Not specified TEX. CONST. art. 16, § ; 7 TEX. ADMIN. CODE § (2013) No No
Initial-Disclosure-Signature-Matrix.docx