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Free Downloads

Lending Tools

Integrated Disclosures Tools

These tools are for reference only and should not be used until the August 1, 2015 mandatory compliance date.

Integrated Disclosures Compliance Timeline
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
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.

Real Estate Matrix Draft
We have updated our Real Estate Matrix to include the Integrated Disclosures requirements. 

Escrow Analysis Worksheet Draft
This worksheet has been updated to remove references to the HUD 1/1A. 

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 exactly which amounts to disclose on the HUD-1/1A Settlement Statement. You may save this spreadsheet to your hard drive for future use.

Escrow Analysis 2.0 

REPAYMENT ABILITY AND RISK REQUIREMENTS (QUALIFIED MORTGAGE RULE) MATRIX

This Matrix focuses entirely on the Ability to Repay Requirements and Qualified Mortgage Standards effective January 10, 2014.  It is a supplemental tool and is not meant to replace any of our other tools.

Repayment Ability and Risk Requirements (Qualified Mortgage Rule) Matrix 3.3 

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

HOEPA LOAN WORKSHEET

This worksheet helps loan officers determine if their loan is subject to the HOEPA requirements found in Section 1026.32.  Simply input the requested information and get a "yes" or "no".  If the loan is subject to HOEPA, the required disclosure can be found on the second tab.

HOEPA Worksheet 2014

HOEPA Worksheet Version 2013-1 (Use for loans originated in 2013)

REAL ESTATE LOAN CHECKLISTS

These checklists are a great resource to ensure that you are meeting regulatory requirements.  They are available for both HMDA Banks and Non-HMDA Banks.  Each file includes checklists for Purchase, Refinance and Home Improvement/Home Equity transactions for both fixed and adjustable rate loans.  They also include checklists for HELOC and Ag/Commercial transactions.

We realize that not all banks are the same and have different needs, so feel free to customize these checklists to fit your bank.

HMDA Bank Loan Checklists (Version 1.2)

Non-HMDA Bank Loan Checklists (Version 1.2)

HMDA FLOWCHART (Revised 1/13)

This flowchart helps you determine which loans are applicable to HMDA and which are not.

MDIA FLOWCHART

This flowchart helps you determine the closing and re-disclosure timing requirements under MDIA. 


Articles

Bonus on Accounts (Revised 7/11)

HMDA Temporary Financing

Policies, Procedures and Processes

Flood Insurance Compliance

Relying On A Previous SFHDF

Flood Insurance Insurable Value  

Flood Insurance Force Placement


Policy & Procedure Templates

TIL

RESPA

FACT ACT

BSA


Forms

Servicing Disclosure Statement

CIP Lobby Notice
This is a free (8" x 10") notice you can display in your lobby to meet the requirements of Section 326 of the USA PATRIOT Act.