Residential real to accepting an property, application, NY FHA Mortgage N.Y. COMP. CODES improved by a application fee, credit Initial Disclosure Loan Correspondent A mortgage loan R. & REGS. tit. 3, § No No family, report fee, or Disclosure (2013) owner-occupied property appraisal dwelling fee Not specified, but practically after N.Y. BANKING LAW Initial Disclosure Credit Score approving a loan with 15312 (Federal) A mortgage loan Real property § (McKinney No No and Closing Disclosure B-3/H-3 materially less – 2013) favorable terms than normal Residential real property, N.Y. COMP. R. NY Notice of Right to 15665 (upon Initial Disclosure A mortgage loan improved by a Not specified & REGS. tit. 3, § No No Select Attorney request) family, (2013) occupied dwelling Real estate upon which there is (or High Cost Tangible N.Y. COMP. R. 15773 (upon A high cost home will be) a 1-to-4 Initial Disclosure Net Benefit Not specified & REGS. tit. 3, § No No request) loan family, Worksheet (2013) occupied structure N.Y. BANKING LAW Statement of Credit Either: (1) a mortgage § ; N.Y. EXEC. LAW Adverse Action Denial, Termination (Federal) Real property Not specified No No loan; or (2) credit § (McKinney or Charge 2013)
Initial Disclosure NY FHA Mortgage Loan Correspondent Disclosure A mortgage loan Residential real property, improved by a family, owner-occupied dwelling to accepting an application, application fee, credit report fee, or property appraisal fee N.Y. COMP. CODES R. & REGS. tit. 3, § (2013) No No Initial Disclosure and Closing Credit Score Disclosure – B-3/H-3 15312 (Federal) A mortgage loan Real property Not specified, but practically after approving a loan with materially less favorable terms than normal N.Y. BANKING LAW § (McKinney 2013) No No Initial Disclosure NY Notice of Right to Select Attorney 15665 (upon request) A mortgage loan Residential real property, improved by a family, dwelling Not specified N.Y. COMP. R. & REGS. tit. 3, § (2013) No No Initial Disclosure High Cost Tangible Net Benefit Worksheet 15773 (upon request) A high cost home loan Real estate upon which there is (or will be) a 1-to-4 family, structure Not specified N.Y. COMP. R. & REGS. tit. 3, § (2013) No No Adverse Action Statement of Credit Denial, Termination or Charge (Federal) Either: (1) a mortgage loan; or (2) credit Real property Not specified N.Y. BANKING LAW § ; N.Y. EXEC. LAW § (McKinney 2013) No No occupied occupied
Initial-Disclosure-Signature-Matrix.docx