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Revised 9/21/15
MORTGAGE LOAN BROKER LOAN FILE CHECKLIST
Origination/Processing Documents (if applicable)
____Application (original and final)
____Credit report
____Loan Estimate / Good Faith Estimate
____Early Truth in Lending Statement
____Servicing Disclosure Statement
____Right to receive a copy of the appraisal disclosure
____Receipts for any upfront fees collected from the borrower
____Affiliated Business disclosure
____Broker Agreement, if used
____Purchase contract/land contract/home improvement contract, etc…
____Adjustable Rate Mortgage Disclosure
____Copy of the appraisal, appraisal request form, and appraisal invoice
____Lender Submissions/stipulations/conditions and clearing documentation
____Verifications (deposit/rent/employment/income), gift letters, W-2’s, pay-stubs, etc…
____Title commitment(s)
____Notice of Adverse Action for denied applications or counter offers
Closing Documents (if applicable)
____Closing Disclosure / HUD-1 or HUD-1A settlement statement
____Final Truth in Lending Statement
____Note
____Mortgage
____Right of Rescission disclosure
____Kentucky Homeownership Protection Center – Notification to Homeowners
____Kentucky Choice of Insurance Disclosure
____Copies of disbursement checks from closing agent