Required Disclosures by State Arkansas Arkansas Right to Select Insurance Provider Download Net Tangible Benefit Worksheet (Refinance only) Download Alabama Alabama Mortgage Loan Origination Agreement Download Arizona Arizona Application Disclosure (Advance Fee Agreement) Download Notice to Choose Insurance Provider (Anti-Coercion) Download Arizona Dual Capacity Disclosure (if applicable) Download California California Loan Brokerage Agreement Download California Mortgage Loan Disclosure Statement 882, OR Download California Mortgage Loan Disclosure Statement 883, OR Download California Addendum to Loan Estimate – signed (in lieu of Form 882 or 883) Must also provide signed LE Download California Comparison for Sample Mortgage Features: Typical Mortgage Transaction (ARM loans only) Download California Notice of Separate Credit/Account Download California Advance Fee Disclosure Download California Fair Lending Notice Download California Dual Capacity (only required when broker is acting as Real Estate Agent) Download California Finance Lender Disclosure Download Colorado Colorado Dual Agency Disclosure (when Real Estate Agent is Loan Officer) Download Colorado Tangible Net Benefit Disclosure (Refinance) Download Connecticut Connecticut Agreement Concerning Non-Refundability of Advance Fees Download Connecticut Dual Capacity Disclosure (when Real Estate Agent is Loan Officer) Download Connecticut Hazard Insurance Authorization, Requirements, and Disclosure Download Connecticut Interim Financing Disclosure Download District of Columbia DC Financing Agreement Download DC Disclosure of Dual Capacity (When Real Estate Agent is Loan Officer) Download DC Application Disclosure Visit DC Addendum to URLA (Domestic Partnership) Visit Delaware Delaware Disclosure of Mortgage Broker Agreement and Terms Download Florida Florida Anti-Coercion Notice (Choice of Insurance) Download Florida Notice to Purchaser (Purchase Transactions Only) Download Georgia Georgia Application Disclosure Download Georgia Attorney Preference Notice Download Georgia Anti-Coercion Insurance Disclosure Download Hawaii Public Information Notice Regarding Foreclosure Download Illinois Illinois Addendum to Residential Loan Application Download Illinois Description of Required Exhibits and Documentation Download Illinois Good Faith Estimate of Charges to be Paid by Seller (VA Purchase Transactions ONLY) Download Illinois Mortgage Escrow Account Act (NOT required on FHA or VA Transactions) Download Illinois Notice of Change in Loan Terms Download Illinois Rate and Points Lock/Float Agreement (3-Day Disclosure) Download Indiana Loan Broker Agreement Download Iowa Iowa Payment Reduction (For Loans with True Discount Points) Download Iowa Loan Brokerage Agreement Download Kansas Kansas Loan Brokerage Agreement Download Kansas Disclosure of Governing Authority Download Kansas Dual Capacity Disclosure (if applicable) Download Kentucky Kentucky Choice of Insurance Disclosure Download Louisiana Louisiana Mortgage Loan Brokerage Agreement and Mortgage Loan Origination Disclosure Download Louisiana Application Disclosure (if application fee is charged) Download Maryland Maryland Mortgage Broker Agreement Download Maryland Important Notice Regarding Housing Counseling Download Maryland Tangible Net Benefits Worksheet (Refinance) Download Massachusetts Attorney Disclosure Download Licensing Disclosure Download Borrower Interest Worksheet (Refinance) Download Advance Fee Agreement Download Minnesota Minnesota Residential Mortgage Originator Contract Download Minnesota Non-Agency Disclosure Download Mississippi Mississippi Mortgage Origination Agreement Download Mississippi Right to Choose Insurance Disclosure (Anti-Coercion) Download Missouri Missouri Borrower Information Document Download Missouri Application Disclosure Download Missouri Loan Brokerage Disclosure Statement and Fee Agreement Download Montana Montana Mortgage Loan Origination Disclosure Download Montana Choice of Insurance Download Nevada Nevada Disclosure of Fees Earned by Mortgage Broker Download Nevada Commercially Reasonable Means Worksheet Download Nevada Dual Capacity (When Real Estate Agent is Loan Officer) Download Nevada Advance Fee Agreement Download New Hampshire New Hampshire Advance Fee Agreement – Application Disclosure Download New Hampshire Anti-Coercion Insurance Disclosure Download New Jersey New Jersey Mortgage Broker Agreement Download New Jersey Choice of Insurance Notice Download New Jersey Right to Own Attorney Disclosure Download New Jersey Application Disclosure Form Download New Jersey Addendum to Residential Mortgage Loan Application Download New Jersey Authorization of Overnight Delivery Services Download New Mexico New Mexico Advance Fee Agreement Download New Mexico Right to Select Attorney Download New York New York Right to Select an Attorney Download New York Pre-Application Disclosures Download New York Broker Fee Agreement Download New York Fair Credit Reporting Notice Download New York Dual Agency Disclosure Download North Carolina North Carolina Office of the Commissioner of Banks Fee Information from Your Mortgage Broker Download North Carolina Choice of Insurance Provider Download North Carolina Right to Choose Attorney Download North Carolina Acknowledgement of Fixed Rate Loan Terms and Costs (Satisfies Rate Spread Adjustable Mortgage Loan Disclosure) Download Ohio Ohio Homebuyer’s Protection Act Home Mortgage Loan Informational Document Download Ohio Borrower Certificate of Reasonable Tangible Net Benefit (Refinance) Download Ohio Discrimination Download Ohio Acknowledgment of Receipt of Home Mortgage Loan Informational Document Download Ohio Right to Choose Insurance Provider Download Oklahoma Oklahoma Title Protection Notice (Purchase Transactions Only) Download Oregon Oregon Application Disclosure Download Oregon Choice of Insurer Download Oregon Escrow Option Download Oregon Rate Lock – Float Agreement Download Oregon Escrow Option Notice (if applicable) Download Pennsylvania Pennsylvania Application Disclosure (Notice Regarding Refundability of Fees) Download Rhode Island Rhode Island Choice of Title Insurance Download Rhode Island Notice of Non-Refundability of Loan Fees Download Rhode Island Prohibited Acts and Practices Disclosure Download Rhode Island Arson Conviction Application Disclosure Download Rhode Island Appraisal Fee Disclosure Visit South Carolina South Carolina Notice Regarding Agency to Receive Borrower Complaints Download South Carolina Mortgage Broker Fee Agreement Download Tennessee Tennessee Application Disclosure (Advance Fee) Download Texas Texas Mortgage Company Disclosure/Consumer Complaint-Recovery Fund Notice Download Texas Disclosures of Multiple Roles in a Consumer Real Estate Transaction (When Real Estate Agent is Loan Officer) Download Texas Notice Concerning Extensions of Credit (TX Cash-out Refinance only) Download Texas Notice Concerning Refinancing a Home Equity Loan (if applicable) Download Texas Making an Informed Decision about Buying a Manufactured Home (if applicable) Download Texas Anti-Coercion Notice (Choice of Insurance) Download Utah Utah Application/Advance Fee Disclosure Download Vermont Vermont Addendum to Loan Application (if applicable for Civil Unions) Download Vermont Broker/Prospective Borrower Agreement Download Vermont Anti-Coercion Choice of Insurance Disclosure Download Vermont High Rate, High Point Disclosure (if applicable) Download Virginia Virginia Notification to Virginia Mortgage Loan Applicants (Application Disclosure) Download Virginia Choice of Settlement Agent Notice Download Virginia Mortgage Broker Disclosure Download Right to Choose Insurance Provider Download Dual Capacity Disclosure (if MLO is real estate agent) Download Refinance of Loan Originated in Previous 12 Months Requires: Borrower’s Best Interest Worksheet (borrower signature required) OR Download Net Tangible Benefit Worksheet (borrower signature not required) Download Washington Washington Addendum to Loan Application Download Washington Application Disclosure/Mortgage Broker Agreement Download Washington Availability of Appraisal/Other Loan Valuation Docs Disclosure (Satisfies both Appraisal/Valuation and Funds Held in Trust Requirement) Download Washington Choice of Insurance Download Washington Disclosure Form Download Washington Dual Capacity/Conflict of Interest Disclosure (if MLO is RE Agent) Download Washington Funds Held in Trust (Satisfies both Funds Held in a Trust and Appraisal/Valuation Requirement) Download Washington Net Tangible Benefit Worksheet Download Washington Rate Lock Agreement Download Washington Refinance of Federal Student Education Loan Notice (only required if cash-out refi and a student loan is being paid with cash-out proceeds) Download Wisconsin Wisconsin Variable Rate Mortgage Disclosure (ARM) Download Wisconsin Application Fee Disclosure Download Wisconsin Consumer Disclosure Statement Download Wisconsin Mortgage Broker Agreement Download West Virginia West Virginia Choice of Insurance Notice Download West Virginia Tangible Net Benefit Disclosure (Refinance) Download Wyoming Wyoming Choice of Insurance Notice (Anti-Coercion) Download Wyoming Mortgage Broker Fee Agreement Download