A mortgage loan either: (1) includes a An owner-occupied Within business balloon payment; (2) dwelling or days after 13901, does not provide for residential real application is Maryland DLLR 13902, or MD. CODE REGS. Initial Disclosure the establishment of estate on which a completed and not No No Disclosure 13903 (upon (2013) an escrow account; dwelling is (or is less than 72 hours request) or (3) includes a intended to be) before the time of mandatory binding constructed settlement arbitration clause Owner-occupied residential real MD Net Tangible Benefit A mortgage loan, MD. CODE REGS. Yes, if using net Initial Disclosure 13909 estate which Not specified No Worksheet which is a refinance. & (2013) tangible benefit contains a dwelling. Within 30 days after MD. CODE ANN., receipt of a Notice of Action Taken (Federal) Credit Not specified COM. LAW §§ , , , No No Adverse Action completed & (West 2012) application for credit Either: (1) residential real MD. CODE ANN., property; or (2) REAL PROP. § Initial Disclosure and Not specified. residential real Copy of Appraisal Report 6 (Federal) Not specified (West 2012); MD. No No Closing A loan transaction estate upon which CODE REGS. an owner-occupied (2013) dwelling is or will be located
Initial Disclosure Maryland DLLR Disclosure 13901, 13902, or 13903 (upon request) A mortgage loan either: (1) includes a balloon payment; (2) does not provide for the establishment of an escrow account; or (3) includes a mandatory binding arbitration clause An owner-occupied dwelling or residential real estate on which a dwelling is (or is intended to be) constructed Within business days after application is completed and not less than 72 hours before the time of settlement MD. CODE REGS. (2013) No No Initial Disclosure MD Net Tangible Benefit Worksheet 13909 A mortgage loan, which is a refinance. Owner-occupied residential real estate which contains a dwelling. Not specified MD. CODE REGS. & (2013) Yes, if using net tangible benefit No Adverse Action Notice of Action Taken (Federal) Credit Not specified Within 30 days after receipt of a completed application for credit MD. CODE ANN., COM. LAW §§ , , , & (West 2012) No No Initial Disclosure and Closing Copy of Appraisal Report 6 (Federal) Not specified. A loan transaction Either: (1) residential real property; or (2) residential real estate upon which an owner-occupied dwelling is or will be located Not specified MD. CODE ANN., REAL PROP. § (West 2012); MD. CODE REGS. (2013) No No
Initial-Disclosure-Signature-Matrix.docx