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Lending Tools

REAL ESTATE LOAN MATRIX

This tool was designed to assist loan officers when making real estate loans.  Once you determine the collateral and the loan purpose, the Real Estate Matrix tells you which regulations apply and when you must provide certain disclosures.  The Real Estate Matrix also provides a brief description of the regulatory requirements.  Examiners from all regulatory agencies also use this Real Estate Matrix.

You may download the Matrix and distribute it to your loan officers.

ESCROW ANALYSIS WORKSHEET

This excel spreadsheet calculates escrow deposits as defined in Section 1024.17.  It also tells you the amounts to disclose on the closing documents. You may save this spreadsheet to your hard drive for future use.

SAMPLE LOAN ESTIMATE & CLOSING DISCLOSURE for construction only loans (W/ KEY & ARTICLE)

This sample Loan Estimate and Closing Disclosure will walk you through one option for disclosing construction only loans.  The Article and Key will further assist you in understanding some of the more confusing elements.

REPAYMENT ABILITY AND RISK REQUIREMENTS (QUALIFIED MORTGAGE RULE) MATRIX

This Matrix focuses entirely on the Ability to Repay Requirements and Qualified Mortgage Standards that became effective on January 10, 2014.  It is a supplemental tool and is not meant to replace any of our other tools.  This tool will update each year due to regulatory threshold changes.

For 2016:
Applications on or after 4/1/16 - Repayment Ability and Risk Requirement (Qualified Mortgage Rule) Matrix 4.1

Applications prior to 4/1/2016 - Repayment Ability and Risk Requirement (Qualified Mortgage Rule) Matrix 4.0

For 2015:
Repayment Ability and Risk Requirements (Qualified Mortgage Rule) Matrix 3.4

ABILITY TO REPAY WORKSHEET

This worksheet will help document compliance with the Ability to Repay requirements found in Section 1026.43.  Please note this worksheet is only intended to satisfy the minimum requirements.

Ability to Repay Worksheet

REAL ESTATE LOAN CHECKLISTS

These checklists are a great resource to ensure that you are meeting regulatory requirements.  We realize that not all banks are the same and have different needs, so feel free to customize these checklists to fit your bank.

For applications taken on or after October 3, 2015:

For applications taken before October 3, 2015:

Additional Tools

Integrated Disclosures Compliance Timeline (Version 1.2)
This tool will assist lenders in understanding when certain documents need to be delivered, received and other milestones during the loan origination process.

Loan Estimate & Closing Disclosure Rounding Cheat Sheet (Version 2.0)
This tool will help lenders understand the complicated rounding requirements associated with this rule.  It is also a good way to double check your loan software.

HMDA Flowchart (Revised 1/13)
This flowchart helps you determine which loans are applicable to HMDA and which are not.

 


Articles

Bonus on Accounts (Revised 7/11)

HMDA Temporary Financing

Policies, Procedures and Processes

Relying On A Previous SFHDF

Flood Insurance Insurable Value  

Flood Insurance Force Placement


Policy & Procedure Templates

TIL

RESPA

FACT ACT

BSA

CONSUMER COMPLAINTS

Servicemember Civil Relief Act