Federal and New York State regulatory agencies require that mortgage banks and brokers inform you about
your rights when applying for a home loan, as such, please read, sign and fax the following disclosures to me
as part of the application documents. All parties applying for mortgage loan must sign them.
Borrower Authorization - authorizes us to act on your behalf pertaining to this loan application and to
purchase your credit report.
Equal Credit Opportunity Act - a federal act that protects loan applicants from discrimination base on race,
color, sex, religion, country of origin, age, and marital status.
Fair Lending Notice - outlaws the practice of redlining and discriminations.
Privacy Policy Notice - we have a fiduciary duty to safeguard your personal information.
Pre-application Disclosure - explains our role as a broker, compensation to us and by whom, the fees we
collect (then pays to the vendors), banks we use most often, and if the fees are split amongst others.
Good Faith Estimate - estimate of settlement costs you are likely to incur in association of a mortgage
application. You will be given a GFE with information particular to your loan application. Keep in mind that in
most cases yours will be a no settlement cost Home Equity Loan/Line.
This Documents are needed to complete the application. Not all documents are required, only those pertain
to your particular loan program are needed.
Complete this Questionnaire , the information are used to fill out the Uniform Residential Loan Application .
This Good Faith Estimate explanation describes some of the more common items on the GFE.
your rights when applying for a home loan, as such, please read, sign and fax the following disclosures to me
as part of the application documents. All parties applying for mortgage loan must sign them.
Borrower Authorization - authorizes us to act on your behalf pertaining to this loan application and to
purchase your credit report.
Equal Credit Opportunity Act - a federal act that protects loan applicants from discrimination base on race,
color, sex, religion, country of origin, age, and marital status.
Fair Lending Notice - outlaws the practice of redlining and discriminations.
Privacy Policy Notice - we have a fiduciary duty to safeguard your personal information.
Pre-application Disclosure - explains our role as a broker, compensation to us and by whom, the fees we
collect (then pays to the vendors), banks we use most often, and if the fees are split amongst others.
Good Faith Estimate - estimate of settlement costs you are likely to incur in association of a mortgage
application. You will be given a GFE with information particular to your loan application. Keep in mind that in
most cases yours will be a no settlement cost Home Equity Loan/Line.
This Documents are needed to complete the application. Not all documents are required, only those pertain
to your particular loan program are needed.
Complete this Questionnaire , the information are used to fill out the Uniform Residential Loan Application .
This Good Faith Estimate explanation describes some of the more common items on the GFE.
welcome to:
Home Equity Line
Home Equity Line
Disclosures
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