FHA DISCLOSURE MATRIX - compliance.docutech.com

1 Property of DocuTech Corporation Page 1 FHA DISCLOSURE MATRIX Legal Disclaimer: Although a good faith attempt has been made to make this table as complete as possible, it is still subject to human error and constantly changing laws. It should neither be considered complete or used as a substitute for legal advice. No warranty, either expressed or implied, is attached in any regard to this table. Any reproduction, distribution, sharing, or modification of this table without the express written permission of an authorized agent of Docutech is prohibited.

2 Notes Concerning the Columns: The Specific Language Required column, in essence, indicates whether a DISCLOSURE contains language that may or may not be modified. Categories such as Statutory, Administrative, and Official Form mean that the DISCLOSURE must be in a specified format. Categories such as Sample or Model Form mean that the DISCLOSURE can be modified, but any safe harbor protections would be lost. Other categories such as Partial or No mean that the DISCLOSURE contains, either in whole or in part, original Docutech language that may be modified.

3 The Lenders/Brokers/Both column refers to the type of entities that the DISCLOSURE will print for, based on Docutech s current configurations. Last Updated: November 2015 Property of DocuTech Corporation Page 2 FHA (Package Type) Proper Name of DISCLOSURE Generic Cx Number Loan Program Type Timing Legal Reference Specific Language Required Initial DISCLOSURE FHA Amendatory Clause/Real Estate Certification Cx38 Purchase transaction Before closing 24 (West 2015); FHA Single Family Handbook Pt.

4 II, ch. (E)(1)(a) & (C) Partial Handbook Initial DISCLOSURE Informed Consumer Choice DISCLOSURE Notice Cx41 All loans No later than 3 business days after the mortgagee receives the loan application 24 (West 2015); FHA Single Family Handbook Pt. II, ch. (A).(1) Informed Consumer Choice Initial DISCLOSURE Notice to Homeowner Assumption of FHA Insured Mortgages Cx1566 Assumptions Before settlement 24 (West 2015); FHA Single Family Handbook Pt. III, & Notice to Homeowner: Release of Personal Liability for Assumptions Initial DISCLOSURE Verification of VA Benefits Cx3952 All loans Not specified, but practically at or before the underwriting process 24 (West 2015); FHA Single Family Handbook Pt.

5 II, (A).(2).(b) & (A).(2).(b) VA Form 26-8937 Initial DISCLOSURE Request for Certificate of Veteran Status Cx3953 All loans involving a veteran Not specified, but practically at the time of determining eligibility 24 (b)(3) (West 2015); FHA ML 2004-24 VA Form 26-8261a Initial DISCLOSURE New Construction Subterranean Termite Soil Treatment Record HUD-NPMA-99-B Cx3969 New Construction Not specified 24 (b)(3) (West 2015); FHA Single Family Handbook Pt. II, (C) and & iv HUD-NPMA-99-B Property of DocuTech Corporation Page 3 FHA (Package Type) Proper Name of DISCLOSURE Generic Cx Number Loan Program Type Timing Legal Reference Specific Language Required Initial DISCLOSURE Subterranean Termite Soil Treatment Builder s Guarantee HUD-NPMA-99A Cx3970 New Construction Not specified 24 (b)(3) (West 2015); FHA Single Family Handbook Pt.

6 II, (C) and & iv HUD-NPMA-99-A Initial DISCLOSURE Builders Certification HUD-92541 Cx3971 New Construction Not specified, but practically when the case binder is submitted for endorsement 24 (b)(2) (West 2015); FHA Single Family Handbook Pt. II, (A).(2).(b), (C), v, , & HUD-92541 Initial DISCLOSURE Borrower Notification Cx 9348 (upon request) New Construction With the Builders Certification HUD (6)-(3)-(C) (1) & (2) Notifies borrower that property was not approved for mortgage insurance or loan guarantee prior to beginning of construction and HUD does not have statutory authority to provide financial assistance for any future property repairs Initial DISCLOSURE Social Security Number Verification Cx5579 (upon request)

7 All loans Not specified, but practically before processing 24 (West 2015); FHA Single Family Handbook Pt. II, (C).(1).(a) Form SSA-89 Property of DocuTech Corporation Page 4 FHA (Package Type) Proper Name of DISCLOSURE Generic Cx Number Loan Program Type Timing Legal Reference Specific Language Required Initial DISCLOSURE FHA Identity of Interest Certification Cx14285 (upon request) Purchase loans Not specified FHA Single Family Handbook Pt. II, No Initial DISCLOSURE Request for Acceptance of Changes in Approved Drawings and Specifications Cx14872 (upon request) Section 203(k) loans When changes to the construction work order are proposed FHA Single Family Handbook Pt.

8 II, (B).(2), , & HUD-92577 Initial DISCLOSURE Consultant s Identity-of -Interest Certification Cx15426 (upon request) Section 203(k) loans After preparing/reviewing the Work Write-Up and Cost Estimate FHA Single Family Handbook Pt. II, (C), (A).(1).(a), & Handbook Initial DISCLOSURE FHA Lock-in Agreement Cx19817 All loans Before charging lock-in and rate lock fees FHA Single Family Handbook Pt. II, (B).(3) No Initial DISCLOSURE FHA Non-Purchasing Spouse (NPE) Authorization Cx19872 All loans Not specified, but practically before the processing of the loan FHA Single Family Handbook , Pt.

9 II, (C).(1).(a) No Initial DISCLOSURE Hold-Harmless Agreement Upon Request All purchase loans involving HUD-owned property Not specified 24 (c) (West 2015); FHA Single Family Handbook REV-2, ch. 2, Sec. VIII:2-30 HUD-9538 Initial DISCLOSURE HUD Employee/Relative Home Purchase Certification HUD-50001 Upon Request All purchase loans Prior to bidding on a HUD-owned single family home FHA Single Family Notices H 2011-19 HUD-50001 Property of DocuTech Corporation Page 5 FHA (Package Type) Proper Name of DISCLOSURE Generic Cx Number Loan Program Type Timing Legal Reference Specific Language Required Allow Any FHA Loan Underwriting and Transmittal Summary Cx13513 All loans During the underwriting process FHA Single Family Handbook Pt.

10 II, (B), (B), (G).(3), (A), (G).(3), (B).(1), , , , (C), (A).(2), , (D), , & HUD-92900-LT Initial DISCLOSURE and Closing Certification and Authorization Cx13 All loans Not specified, but practically before the processing of the loan 12 2609(b) (West 2015); FHA Single Family Handbook Pt. II, (C).(1) & (D) and (C) No Initial DISCLOSURE and Closing Important Notice to Homebuyers Cx40 All loans At application 24 (West 2015); FHA Single Family Handbook Pt. II, (A).(2) HUD-92900-B Initial DISCLOSURE and Closing Warranty of Completion of Construction HUD-92544 Cx47 New Construction Not specified, but practically before submission of the case binder 24 (West 2015); FHA Single Family Handbook Pt.