Forms & Disclosure

Here are some HUD maintained Disclosures for your loan scenario. Please click on the links: 

Mortgage Forms

Credit Report Authorization and Release
Disclosure Notices
Equal Credit Opportunity Notice
Itemization of Amount Financed
Good Faith Estimate 2010
Truth in Lending Disclosure
Uniform Residential Appraisal Report
Uniform Residential Loan Application
Verification of Deposit

List of forms needed
This page provides common documents that are used during the loan process.
Uniform Residential Loan Application    PDF  423k    
Solicitud Uniforme para Préstamo Hipotecario Residencial    PDF  1420k    
Appraisal Disclosure    PDF  74k    
Borrower's Certification and Authorization    PDF  52k    
Consumer Handbook on Adjustable Rate Mortgages (ARM)    PDF  707k    
Credit Report Authorization and Release    PDF  68k    
Disclosure Notices    PDF  88k    
Good Faith Estimate    PDF  347k    
Loan Submission Sheet    PDF  92k    
Mortgage Loan Disclosure Statement/Good Faith Estimate     PDF  293k    
Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance    PDF  80k    
Tax Information Authorization    PDF  425k    
The Federal Equal Credit Opportunity Act    PDF  71k    
The Housing Financial Discrimination Act of 1977 Fair Lending Notice    PDF  99k    
Truth in Lending Disclosure Statement (RegZ)    PDF  90k    
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HUD - Buying Your Home Handbook

I. Introduction

II. Buying & Financing A Home

 -  Role of the Real Estate Broker
 -  Selecting an Attorney
 -  Terms of the Agreement of Sale
 -  Shopping For a Loan
 -  Selecting a Settlement Agent
 -  Securing Title Services
 -  RESPA Disclosures
 -  Processing Your Loan Application
 -  RESPA Protection Against Illegal Referral Fees
 -  Your Right to File Complaints

III. Your Settlement Costs

 -  Specific Settlement Costs
 -  Calculating the Amount You Need At Settlement
 -  Adjustments To Costs Shared By Buyer and Seller
 -  HUD-1 Settlement Statement

IV. Appendix

V. Home Ownership Links

Mortgage Bankers Association of America Consumer Information
The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.
Federal Reserve Board Consumer Information
The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.
Homebuyer Education by Freddie Mac
Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.
United States Postal Service Official Movers Guide
What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.