Loan File Checklist / Stacking Order

Team Primary – Loan File Checklist / Stacking Order – FHA Borrower: Loan #: Date Reviewed: LO OPTS Points DON”T FORGET TO SIGN THE DOCS! File Submission Form / Condo/PUD Submission Form – FILLED OUT COMPLETELY DU or LP Findings (correct property address and product) Credit Report – (cannot be expiring prior to closing of loan) Copy of Rate Lock / Registration – YOU MUST CHOOSE AN INVESTOR ENTER FILE CONTACTS IN ENCOMPASS (AGENTS, ATTORNEY, BORROWER) Letter of Explanation to the Underwriter from the Loan Officer Credit Inquiry/AKA/ Derogatory / Past Address Letters – Signed by Borrower DISCLOSURES – ALL MUST BE SIGNED & DATED 1003 (1003 fully completed) TIL Servicing Disclosure Borrower’s Certification & Authorization Customer Identification Notice 4506T (2 pages) HUD/VA Addendum to Uniform Residential Loan Application FHA Amendatory Clause & Real Estate Certification Notice to Homeowner – Assumption of HUD/FHA Insured Loans For Your Protection Get a Home Inspection (needs to be initialed by borrower(s) Important Notice of Homebuyers (2 pages) FHA Identity of Interest Certification Disclosure Notices (If refi-insurance information must be completed in anti-coercion section) FHA Face to Face Interview Certification The Housing Financial Discrimination Act of 1977-Fair Lending Notice GFE (3 pages) Settlement Service Provider List (Providers info must be entered on form) Social Security Administration Pest Inspection Disclosure Certification of Receipt of GFE and Intent to Proceed Privacy Policy (2 pages) Applicant(s) Appraisal Disclosure & Acknowledgment Notice to Purchasers (3 pages) Informed Consumer Choice Disclosure Notice Flood Insurance Disclosure USA Patriot Act Information Form Fee Deposit Agreement (Only needed if borrower writes check for appraisal fee)

CONNECTICUT STATE DISCLOSURES CT Interim Financing Policy Disclosure CT Lock in Agreement / Commitment (Only if loan is locked) CT Notice of Legal Representation CT Agreement of Non-ReFundability (Only needed if borrower writes check for appraisal fee)

PURCHASE INFORMATION Purchase and Sales Contract – READ IT! Inspections Required? Personal Property?

IDENTITY INFORMATION Copy of Photo ID / SS Card if Required by DO (legible photo w/date of birth legible) Credit Card Order Form

INCOME DOCUMENTATION The Past 4 Weeks Paystubs The Past 2 Years W2’s Tax Returns – If needed (self employed or Non Reimbursed Exp)

ASSET DOCUMENTATION Asset Statements – ALL PAGES LOX for ALL large deposits and documentation

CREDIT RELATED DOCUMENTS Divorce Decree /Support Orders Proof of Mortgage, Taxes and HOI on any additional property owned Current Mortgage Statement (Opener to get Payoff Statement) Current Homeowners Policy & Bill Copy of any bills being paid off with proceeds - Note for 2nd Mortgage if re-subordinating