ĐĎॹá>ţ˙ |~ţ˙˙˙{˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙˙ěĽÁE@ đżŚ-bjbjƒćƒć /VáŒáŒŒ%˙˙˙˙˙˙ˆ˜˜˜˜˜˜˜ŹÔ7Ô7Ô78 84@8lŹ€hö¸8¸8"Ú8Ú8Ú8Ú8Ú8Ú8˙ghhhhhh$viRČk‚%h˜;Ú8Ú8;;%h˜˜Ú8Ú8:hŢ;Ţ;Ţ;;^˜Ú8˜Ú8˙gŢ;;˙gŢ;"Ţ;<Â{dD˜˜sgÚ8Ź8 ]™SXˇÂÔ7r;"że&˙gPh0€hĺeŽJl”;4JlLsgŹŹ˜˜˜˜Jl˜sgŒÚ8 z9rŢ;ě9\H:ĚÚ8Ú8Ú8%h%hŹŹ¤(P*„ Č;ŹŹP*COMPLIANCE CHECKLIST Borrower(s) Name(s):_________________________ File #:_________________________ Date Loan Closed:____________________________ Date 1003 Signed:_______________ Lender:__________________ Volume:___________ Fee Earned:_____________________ DOCUMENTS IN FILE: (Placed on top of the corresponding tab) APPLICATION _____ 1. ACT Database Form _____ 2. Conversation Log _____ 3. Ace Checks & Appraisal Check _____ 4. Preliminary HUD _____ 5. Final Signed HUD (signed by title co. and client) _____ 6. Note _____ 7. Mortgage _____ 8. Right of Recession Papers _____ 9. Final Truth in Lending “TIL” _____ 10. Section 32 final papers (if applicable) _____ 11. Errors and Omissions Statement (states will re-sign if miss) _____ 12. Rate Lock & Fax Transmittal _____ 13. Rate Lock Confirmation _____ 14. Doc. Order (Fee Sheet) _____ 15. Lender Final Approval _____ 16. Lender Pre Approval _____ 17. Processing Submission Sheet _____ 18. 1008 (if applicable) _____ 19. Original 1003 (Signed & Dated with properly filled out Government Monitoring) _____ 20. Final 1003 APPRAISAL _____ 1. Appraisal _____ 2. Appraisal Order Form & Fax Transmittal LEGAL _____ 1. GFE dated within 3 days of application _____ 2. TIL dated within 3 days of application _____ 3. Borrower Signature Authorization (Borrower & Co-Borrower) _____ 4. Borrowers Certification and Authorization _____ 5. Equal Credit Opportunity Act _____ 6. Fair Lending Notice _____ 7. Right to Receive Appraisal _____ 8. Appraisal Fee Notice _____ 9. GFE Provider Relationship _____ 10. TIL for Section 32 _____ 11. Broker Retention Agreement (fee to higher or equal to actual amount received) _____ 12. Servicing Disclosure Statement (pages 1-2) w/ Proper Years _____ 13. Mortgage Broker Business Contract (pages 1-2) completely filled out _____ 14. Loan Origination Agreement (Law is to be: State of Indiana) _____ 15. Form 4506 or 8821 (tax forms) Pages 1-2 _____ 16. Disclosure Notices _____ 17. Copy of Settlement Cost Booklet _____ 18. Continuation of Payment Agreement _____ 19. Equity Position Disclosure _____ 20. Homeowners Change Authorization _____ 21. Certified True and Original Affidavit _____ 22. Rate and Points Lock/Float Form _____ 23. Privacy Policy Requirements _____ 24. Social Security Consent for Release of Information _____ 25. Home Inspection/Lead Paint (pages 1-2) if applicable [Can be found in FHA forms not in point] _____ 26. Additional Compliance Sheet Required for FHA, VA, &/or Illinois. Reviewed by:________________________________ Date:__________________ Final Partner or AVP Signature by:____________________________ Date:__________________ ADDITIONAL COMPLIANCE CHECKLIST (FHA) Borrower(s) Name(s):_________________________ File #:_________________________ Date Loan Closed:____________________________ Date 1003 Signed:_______________ Lender:__________________ Volume:___________ Fee Earned:_____________________ DOCUMENTS IN FILE: LEGAL _____ 1. FHA Amendatory Clause _____ 2. Release of Personal Liability _____ 3. Notice to Buyers (HUD 92900) pages 1-2 _____ 4. Home Inspection (HUD – 92564) _____ 5. Social Security Number Certification (Borrower & Co-Borrower) _____ 6. FHA/VA Addendum – pages 1-4 _____ 7. MCAW – DE Signed _____ 8. Comparison of an FHA, Conventional, and Non-Conventional Loan _____ 9. Informed Consumer Choice Disclosure Notice _____ 10. FHA Loan Amount Disclosure _____ 11. Addendum to HUD 92900 Application _____ 12. FHA Purchase Agreement Addendum _____ 13. Signed Sales Contract & addenda _____ 14. All Credit Reports _____ 15. Signed Verifications of Deposit and all Bank Statements _____ 16. Signed Gift Letters _____ 17. Copy of gift check, transfer of funds from Donor to Borrower _____ 18. Signed tax returns and YTD P&L for Self-Employed Borrower(s) _____ 19. Supporting Documents or letters of explanation: Credit, inquiries, income, funds to close _____ 20. Signed DE statement of appraised value (HUD – 92900.5B) (if available _____ 21. HMDA Log completed Reviewed by:________________________________ Date:__________________ Final Partner or AVP Signature by:____________________________ Date:__________________ ADDITIONAL COMPLIANCE CHECKLIST (VA) Borrower(s) Name(s):_________________________ File #:_________________________ Date Loan Closed:____________________________ Date 1003 Signed:_______________ Lender:__________________ Volume:___________ Fee Earned:_____________________ DOCUMENTS IN FILE: LEGAL _____ 1. VA Debt Questionnaire (VA 26-0551) _____ 2. VA Rights of VA Loan Borowers (VA 26-8978) _____ 3. VA Federal Collection Notice (VA 26-0503) _____ 4. VA Certificate of Elgibility (VA 26-1880) page 2 _____ 5. VA Interest Rate & Discount Statement _____ 6. VA – Amendment to Contract _____ 7. VA Transmittal List _____ 8. Loan Analysis _____ 9. Interest Rate Reduction Worksheet (if applicable) _____ 10. Loan Summary Sheet (pages 1-2) _____ 11. Counseling Checklist for Military Homebuyers _____ 12. Veteran’s Indebtedness Certification _____ 13. Nearest Living Relative _____ 14. Verification of VA Benefit (if applicable) _____ 15. VA Rate Reduction Refinance Info. & Agreement (if applicable) Reviewed by:________________________________ Date:__________________ Final Partner or AVP Signature by:____________________________ Date:__________________ ADDITIONAL COMPLIANCE CHECKLIST (Illinois) Borrower(s) Name(s):_________________________ File #:_________________________ Date Loan Closed:____________________________ Date 1003 Signed:_______________ Lender:__________________ Volume:___________ Fee Earned:_____________________ DOCUMENTS IN FILE: LEGAL _____ 1. Required Illionis Forms at time of application (Borrower & Co-Borrower) _____ 2. Loan Brokerage Agreement and Disclosure (from IAMB 6 pages) _____ 3. Illinois Borrower Information Document _____ 4. Notice to Borrower of Requirements of Illinois Mortgage Escrow Act _____ 5. Pre-payment Penalty Disclosure (at time of application) _____ 6. Notification of changes to your loan in process form(s) _____ 7. Language Disclosure form _____ 8. Mortgage Awareness Program (MAP) Counseling Notification (for loans that are considered to be a “High Costs Mortgage” _____ 9. Calculations for High Cost Triggers Reviewed by:________________________________ Date:__________________ Final Partner or AVP Signature by:____________________________ Date:__________________ Quality Control Appraisal Review Checklist Person Performing Review:_______________________________ Date:________________________________________ Borrowers Name:_______________________________________ LTV:________________________________________ Property Address:_______________________________________ State:____________ County:____________________ Appraisers Name:_______________________________________ Parcel(s) #:___________________________________ Date of Appraisal:_______________________________________ Purchase Price & Date:__________________________ (from application &/or purchase agreement) Prop. Type: ____ SFR ____ 2-4 Unit ____ Condo ____M.H. ____Other Owner Occupied: ____ Yes ____No Appraised Value over $322,700: ____ Yes ____No Borrower on Appraisal Same as on Application: ____ Yes ____ No Does Property Address Match Address on Application: ____ Yes ____ No Does Parcel(s)# Match Parcel(s)# on Title: ____ Yes ____ No Copy of License in File: ____ Yes ____ No Location: ____ Urban ____ Suburban ____ Rural Less than 25% Developed: ____ Yes ____ No Property Values>: ____ Increasing ____ Stable ____ Declining Marketing Time >6 Months: ____ Yes ____ No Neighborhood Max Neighborhood Analysis: ____ Good ____ Average ____ Fair/Poor Comparable Sales Property Condition: ____Good ____Average ____ Fair/Poor Within 1 mile (Urban) Within 2 miles (Suburban) Board ups in Area: ____ Yes ____ No Within 10 miles (Rural) ____ Yes ____No Flood Hazard: ____ Yes ____ No Sales within 12 Months: ____ Yes ____ No Zoning Compliance: ____ Yes ____No Similar Design & Style: ____ Yes ____No Complete Report: ____ Yes ____ No Physical or Functional Problems: ____ Yes ____ No (map, addendum, limiting cond., etc.) Adjustments Reasonable Unique Property: ____ Yes ____ No and Explained ____ Yes ____ No Site Value: $____________ Typical: ____ Yes ____ No Net Adjustments > 15%: ____ Yes ____ No Age: Actual/Effective: ______/______ Gross Adjustments > 25% ____ Yes ____ No Gross Living Area: ________ Sq. Ft. One line Adjustment > 10% ____ Yes ____ No Value: ____ As Is ____ Other Good Value Support: ____ Yes ____ No Appraisal Dated & Signed: ____ Yes ____ No Are there 2 comps similar in sq.ft. (within 30% of subject): ____ Yes ____ No Was Property Listed for Sales Within the last 12 months ____ Yes ____ No Comparables across Major HWY or RR: ____ Yes ____ No Appraiser Correctly Lic. At time of Inspection: ____ Yes ____ No Site Value within 35% of Value >35% of Predominant value: ____ Yes ____ No Appraised Value ____ Yes ____ No Explained > 10% difference in Value Between (Cost, Income, or Sales): ____ Yes ____ No RECOMMENDATION Okay as Reviewed: __________________ Recommend Desk Review: __________________ Recommend Field Review/BPO: __________________ By: _________________________________________________________________________________________ Signed Date PAGE  PAGE V *DKdfgx•ŚľśˇžŇŮĺđ   C D O P V Y j k q t „ … Ž Ť ´ Ä Í Ý ţ ˙    ( ňéáŮáŮáŮáŮáŮáŮáŮŃŮáŮáČáŔąĽĄ–’ĄŽĄ‡Ą€Ą€y€Ą€Ą€Ą hP<žhÄ hP<žhMBâ hP<žh1ařhia…hIl! hP<žh^4hD{4hˆ EhD{456>*CJaJh.’h.’56>*CJaJh.’CJaJhMBâ5CJaJhž{CJaJh™ŽCJaJhMBâCJaJhMBâ5CJ aJ hIl!hMBâ5>*CJaJ/fgśˇ  C P k … Ť Ä ˙  B h š á  ( I i ‡ ­ ÷÷ňňňňňňňňíííččččččččččččččgdˆ EgdD{4gdMBâ$a$gdMBâŒ-Ľ-ýý( B K h r ‰ ™ š ¤  ŕ á ë   ( 2 I S i s † ‡ ‘ Ź ­ ˇ Ě Ö ă " # $ . 8 9 : C D M V W ` t † ‡  – ź ˝ Ć í ůőůőůîůőçîçőůőůőŕőŕőŕÜőŘŃőůőůĘĂĘůőůĘź°¤őŽőŠź°†Ę†ĘhÖeyhP<žhˆ EhŘ56>*CJaJ hP<žhŘhˆ E56>*CJaJhŘ56>*CJaJ hP<žhP<ž hP<žhźš hP<žh"E hP<žhIl!hIl!h1ař hP<žh1ař hP<žh.’ hP<žhÄhˆ E hP<žhMBâ4­ Ě $ : D W ‡  ˝ í 0 c ‰ Ś Ę č (€ĹY‹¨Ňţ#úúúńúúčăăăăăăăăăăăăăăăăăăăgdÖey„Đ^„ĐgdŘ„Đ^„Đgdˆ Egdˆ Eí ö ţ  / 0 9 c l ˆ ‰ ’ Ś Ż Ę Ó č ń ô (2€ŠĹĎYcdtŠ‹•¨˛ŇÜţ#-MW}‡§ąÍ×  rź˝ž\g{‚üřńřńüńüęńüęüęüęüćęüęüęüęüęßüßüŘßŘßüßüßüßüßüßüßüßüßüßÔřĐÉÁšŽ ŽhIl!hě3ž5>*CJaJhě3ž5>*CJaJhźV>CJaJhMBâCJaJ hP<žhŢt}hŢt}h€/– hP<žhÄ hP<žh€/–hia… hP<žhę:r hP<žh"EhˇhÖey>#M}§Í r˝ž\‚„ÔŐ$%tu‰ŽŐ,súúúúúúúőőőőííčččččččßččččč„Đ^„Đgdě3žgdě3ž$a$gdě3žgdMBâgdÖey‚„uˆ‰Ż°NOhs‡€“”šXö÷ř!5AC4GHNžöîĺŢŇÎÇîźîąŁąöîĺŢŇÎîźî›‚y›pi]Yh h 56>*CJaJ hP<žh h 5CJaJh 5CJ aJ hIl!h 5>*CJaJh 5>*CJaJh CJaJhIl!hě3ž5>*CJaJhě3ž5>*CJaJhMBâhě3žCJaJ h× hě3žhě3žhě3ž56>*CJaJ hP<žhě3žhě3ž5CJaJhě3žCJaJhě3ž5CJ aJ s˜łú.SŠÓđ2P—ŢB’°ą÷OPQRSTUVWúúúúúúúúúúúúúúúúúúúúőőőőőőőőgdMBâgdě3žWXYZ[\]^_`abcdefghßŕ/0€”úúúúúúúúúúúúúúúúúňňííííííígdě3ž$a$gdě3žgdMB┚Ćú-g–ş×î)R‰¸ÚXYŸ°÷řůúűüýţöńńńńńńńńńńńńńńńńńńńěěěěěěěgdMBâgdě3ž„Đ^„Đgdě3žţ˙     AC“úúúúúúúúúúúúúúúúúúúúúúúúňňígd $a$gd gdMBâ“”ăä34HNŸä`Ąâ ‰ ś ˇ ý !U!V!W!X!Y!Z![!úúúúúúńúúúúúúúääúúúúßßßßßßgdMBâ „Đ„0ý^„Đ`„0ýgd „Đ^„Đgd gd žŸś T!U!x!Ł!¤!$ $$$$$F$H$o$r$Ŕ$Â$% %D%F%p%r%s%t%%˘%Ä%Ç%&&1&4&‹&”&•&§&Ő&ŕ&0'3'\'`'d'g'{'~'°'´'Ô'Ö'˙'("(ůőíâíÔËŔ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´Ŕ´ŔŚŔ´Ŕ´Ŕ›ŔŔ´Ŕ´Ŕ´Ŕ´ŔhŽ h 6CJaJhŽ h CJaJhö7h 5>*CJaJhö7h 6CJaJhö7h CJaJh 5CJaJhŠL‘h 5>*CJaJhMBâh CJaJh CJaJh  h„r%h 8[!\!]!^!_!`!a!b!c!d!e!f!g!h!i!j!k!l!m!n!o!p!q!r!s!t!u!v!w!x!úúúúúúúúúúúúúúúúúúúúúúúúúúúúúgdMBâx!Ł!¤! 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