Helpful Links

Conquering those Piles of Files!

Here are several links and downloads I think may be helpful. Some are loan documents themselves and others are ideas and tips for you to browse. (The links on this page are not endorsements of the companies, just helpful documentation)

The Note and the Deed of Trust are considered critical documents. In layman’s terms, the Note is your promise to pay the lender back and the Deed of Trust is the lender saying back to you “Ok, here are the rules.”

• Note
• Deed of Trust

The Consumer Finance Protection Bureau is a great resource. Check out the clicks below for helpful insights.

• CFPB Closing Disclosure Explainer 
• CFPB Checklist and helpful tips for your transaction DOWNLOAD

Vesting – Ways to take Title – Below, in Section II, on the first page of the Loan Application you can see the box that says “Title will be held in what name(s)” – please note that is one of the places your vesting can come from. The Escrow Vesting Form is another source of vesting…   And a helpful vesting link.

• Loan Application 
• Escrow Vesting Form
• Ways to take Title 

VA Documents  

Below are some links to extra documentation that is exclusive to VA Loans. So, keep in mind that if you get a VA loan you will have addition papers in your loan stack to sign.

• HUD/VA Addendum to the Uniform Residential Loan Application
• Report and Certification of Loan Disbursement
• Counseling Checklist for Military Homebuyers
• Debt Questionnaire
• Verification of VA Benefits
• Federal Collection Policy Notice
• Warranty of Completion of Construction
• Request for Certificate of Eligibility
• Statement of Purchaser or Owner Assuming Seller’s Loan
• Request for Determination of Reasonable Value
• VA Rate Reduction Certification
• VA Escape Clause