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Initial CD Purchase: 05/21 48 48-hrs Refinance: 05/21 72 48-hrs Jumbo: --- 72 48-hrs Renovation: 05/21 72 48-hrs Last updated: 5/22/2020 7:45:42 AM Sign Up For Announcements Email Address Signup> DOWNLOAD FORMS [All Forms] Announcements Archived Documents Conventional/Common Federal Disclosures FHA New Construction Guidelines and Policies HUD/FHA Matrices Michigan Mutual State Disclosures USDA Rural Development VA FormRev DateCategory Conventional Condo Questionnaire - Full12/1/2017Conventional/Common Conventional Condo Questionnaire - Short12/1/2017Conventional/Common Conventional Detached Condo HOA Certification2/26/2018Conventional/Common HomeStyle Change Order Request11/29/2017Conventional/Common HomeStyle Consumer Tips12/17/2018Conventional/Common HomeStyle Contractor Acceptance Form12/17/2018Conventional/Common HomeStyle Contractor Proposal2/10/2020Conventional/Common HomeStyle Contractor's Responsibilities12/17/2018Conventional/Common HomeStyle Draw Request12/17/2018Conventional/Common HomeStyle Final Disbursement Letter12/17/2018Conventional/Common HomeStyle Letter of Completion11/29/2017Conventional/Common HomeStyle Lien Waiver11/29/2017Conventional/Common HomeStyle Max Mortgage Worksheet4/2/2018Conventional/Common HomeStyle Renovation Contract12/17/2018Conventional/Common HomeStyle Renovation Loan Agreement12/17/2018Conventional/Common LPMI Disclosure1/15/2013Conventional/Common Power of Attorney - Borrower Certification - New!4/21/2020Conventional/Common Property Inspection Waiver and Property Listing Affidavit Conventional/Common 4506T Form - Request for Transcript of Tax Return3/1/2019Federal Disclosures Anti-Steering Loan Options Disclosure3/24/2015Federal Disclosures Anti-Steering Loan Options Disclosure Form5/22/2019Federal Disclosures Appraisal Notice4/22/2014Federal Disclosures Appraisal Valuation Timing Waiver6/26/2015Federal Disclosures Appraiser Independence Requirements - Lender Acknowledgement5/27/2011Federal Disclosures Approved Housing Counseling Notice - Interactive3/27/2014Federal Disclosures Borrower's Certification & Authorization Federal Disclosures Change of Circumstance Wholesale - Interactive11/4/2015Federal Disclosures FACTA Act Risk Based Disclosure1/1/2011Federal Disclosures FHA ARM Disclosure Federal Disclosures Patriot Act Disclosure Federal Disclosures Privacy Policy Disclosure4/21/2015Federal Disclosures Rate Lock/Float Agreement11/30/2010Federal Disclosures Sale of Servicing Disclosure Federal Disclosures SSA-89 (Authorization for the SSA to Release SSN Verification) 2/1/2018Federal Disclosures 203K Request for Acceptance of Change11/27/2019FHA New Construction Builders Certification of Plans & Specs3/1/2016FHA New Construction FHA - New Construction Subteranean Termite Service Record (Form HUD-NPMA-99-B)8/1/2008FHA New Construction FHA - Subterranean Termite Protection Builder's Guarantee (Form HUD-NPMA-99-A)8/1/2008FHA New Construction FHA - Warranty of Completion11/27/2019FHA New Construction .Temporary Guidance due to COVID-19 - New!5/21/2020Guidelines and Policies Conventional Underwriting Guideline Supplement - New!4/6/2020Guidelines and Policies FHA Underwriting Guidelines - New!4/6/2020Guidelines and Policies Jumbo Underwriting Guidelines - New!4/6/2020Guidelines and Policies Renew QM Guidelines - New!4/6/2020Guidelines and Policies Rural Development Underwriting Guidelines - New!5/18/2020Guidelines and Policies Symmetry HELOCs - New!4/27/2020Guidelines and Policies VA Underwriting Guidelines - New!4/17/2020Guidelines and Policies 203(k) Limited - Max Mortgage Worksheet - Purchase3/15/2016HUD/FHA 203(k) Limited - Max Mortgage Worksheet - Refinance3/15/2016HUD/FHA 203(k) Standard - Max Mortgage Worksheet - Purchase3/15/2016HUD/FHA 203(k) Standard - Max Mortgage Worksheet - Refinance3/15/2016HUD/FHA 203k Borrower's Acknowledgement8/23/2010HUD/FHA 203k Borrower's Identity of Interest Certification9/13/2011HUD/FHA 203k Contractor Acceptance Form12/18/2018HUD/FHA 203K Contractor Proposal12/18/2018HUD/FHA 203K Contractors Final Release and Waiver of Lien7/11/2013HUD/FHA 203k Contractors Responsibilities4/7/2016HUD/FHA 203K Draw Request1/30/2015HUD/FHA 203k Homeowner-Contractor Agreement11/2/2015HUD/FHA 203K IRS W-910/18/2013HUD/FHA 203k Loan Disbursement Guide4/15/2015HUD/FHA 203k Rehabilitation Loan Agreement8/23/2010HUD/FHA 203k Rehabilitation Loan Rider to Mortgage Deed of Trust8/23/2010HUD/FHA 203k Rehabilitation Self Help Agreement1/12/2011HUD/FHA 203K Request for Acceptance of Change10/13/2016HUD/FHA 203k Self Help1/12/2011HUD/FHA Condominium Lender Certification10/10/2011HUD/FHA FHA - For Your Protection Get a Home Inspection9/8/2015HUD/FHA FHA - HUD Addendum to Uniform Residential Loan Application10/23/2019HUD/FHA FHA - Important Notice to Homebuyers5/10/2018HUD/FHA FHA - Informed Consumer Choice Disclosure Notice1/21/2015HUD/FHA FHA - Loan Underwriting & Transmittal Summary10/23/2019HUD/FHA FHA Amendatory Clause & Real Estate Certification HUD/FHA FHA Appraisals Policy & Procedure11/13/2017HUD/FHA FHA Case Assignment Transfer Request10/3/2014HUD/FHA FHA Condo Questionnaire *for Case Numbers on/after 10/15/201910/15/2019HUD/FHA FHA Condo Questionnaire *for Case Numbers prior to 10/15/201911/8/2016HUD/FHA FHA Multi-Unit or Hotel Transient Form - HUD 925614/16/2013HUD/FHA FHA Streamline Maximum Mortgage Worksheet3/19/2019HUD/FHA HUD REO Sales Contract3/5/2014HUD/FHA Notice to Homeowner HUD/FHA Water Quality Charts6/29/2010HUD/FHA All Agencies - Derogatory Credit Matrix7/10/2017Matrices All Agencies - Principal Curtailments4/22/2019Matrices All Agencies - Student Loan Repayment Matrix1/2/2020Matrices Conventional HomeStyle Renovation Matrix - New!4/17/2020Matrices Conventional HomeStyle Renovation vs FHA 203(k) - New!4/17/2020Matrices Conventional Overlay Matrix - New!4/17/2020Matrices FHA $100 Down - New!4/17/2020Matrices FHA 203(k) vs Conventional HomeStyle Renovation - New!4/17/2020Matrices FHA High Balance - New!4/17/2020Matrices FHA HUD REO - New!4/17/2020Matrices FHA Limited 203(k) - New!4/17/2020Matrices FHA Standard - New!4/17/2020Matrices FHA Standard 203(k) - New!4/17/2020Matrices Rural Development - Standard - New!4/17/2020Matrices VA High Balance - New!4/17/2020Matrices VA IRRRL - New!4/17/2020Matrices VA Standard - New!4/17/2020Matrices Appraisal Transfer Request4/13/2015Michigan Mutual Attorney Opinion Letter1/18/2013Michigan Mutual Borrower eSign Process Instructions11/10/2017Michigan Mutual Closing Disclosure Fee Sheet11/7/2016Michigan Mutual Consent to Proceed with Appraisal Form- Correspondent11/9/2015Michigan Mutual Consent to Proceed with Appraisal wholesale form11/9/2015Michigan Mutual Document Upload Demo7/24/2014Michigan Mutual FHA Case Assignment Transfer Request10/3/2014Michigan Mutual Finance Charges12/10/2009Michigan Mutual Gift Letter2/22/2019Michigan Mutual LO eSign Email Notifications11/10/2017Michigan Mutual MiMutual Annual Recertification Form - New!3/4/2020Michigan Mutual MiMutual Broker Application & Agreement - New!3/25/2020Michigan Mutual MiMutual Broker Compensation Change Form1/4/2019Michigan Mutual MiMutual Correspondent Application & Agreement - New!3/25/2020Michigan Mutual MiMutual Correspondent Compensation Change Form1/4/2019Michigan Mutual Minimum Submission Requirements8/24/2017Michigan Mutual MMI - eDelivery Consent Disclosure Interactive 4-13-20158/5/2015Michigan Mutual MMI - Mortgage Broker Fee Agreement 8-20166/14/2016Michigan Mutual MMI Lock Policy11/30/2018Michigan Mutual Pre-CD information11/7/2016Michigan Mutual TCF HELOC Qualifying Worksheet (Form 1017)8/2/2019Michigan Mutual TCF Notice and Authorization10/1/2018Michigan Mutual Value Reconsideration Form - New!3/2/2020Michigan Mutual CA - Earthquake Insurance Disclosure3/6/2015State Disclosures CA - Fair Lending Notice (BRE)3/17/2014State Disclosures CA - Fair Lending Notice (DBO)3/25/2014State Disclosures CA - Hazard Insurance Disclosure2/3/2014State Disclosures CO - Net Tangible Benefit Form3/22/2018State Disclosures DC - Finance Agreement12/16/2013State Disclosures DC - Mortgage Disclosure Form4/25/2011State Disclosures FL - Statement of Anti-Coercion3/24/2014State Disclosures IL - Borrower Information Document12/30/2011State Disclosures IL - Description of Underwriting Criteria & Required Documentation12/30/2011State Disclosures IL - GFE of Charges to be Paid by Seller9/15/2014State Disclosures IN - Home Protection Notice/Right to Inspect CD12/18/2015State Disclosures IN - Mortgage Broker Fee Agreement Disclosure3/24/2014State Disclosures KS - Disclosure Required by Law4/25/2011State Disclosures KS - Mortgage Business Act Disclosure4/25/2011State Disclosures MD - Net Tangible Benefit Worksheet7/23/2010State Disclosures MD - Notice Regarding Housing Counseling1/1/2011State Disclosures ME - Material Consumer Protection Notice12/15/2011State Disclosures ME - Required Broker Disclosure4/25/2011State Disclosures MMI - Multi State Tangible Net Benefit (AR NM NC SC VA WV TX)1/9/2013State Disclosures NC - Notice of Information4/25/2011State Disclosures NC - Right to Select Attorney4/25/2011State Disclosures NJ - Attorney Representation Disclosure9/15/2014State Disclosures NJ - Mortgage Fee Itemization Disclosure1/2/2018State Disclosures NJ - New Jersey Application Disclosure1/2/2018State Disclosures NJ - Property Insurance Disclosure 9/1/2017State Disclosures OH - Business Relationship Disclosure Notice12/2/2013State Disclosures OH - Equal Opportunity Notice11/27/2013State Disclosures OH - Home Mortgage Information Disclosure Acknowledgement4/25/2011State Disclosures OH - Home Mortgage Informational Disclosure 201812/12/2017State Disclosures OH - Mortgage Loan Originator Disclosure (MLODs)4/1/2014State Disclosures OH - Mortgage Loan Originator Disclosure (MLODs) Addendum4/1/2014State Disclosures OH - Notice of Change in Terms11/20/2013State Disclosures SC - Attorney & Insurance Preference Checklist Disclosure7/2/2012State Disclosures TX - Mortgage Banker Disclosure3/27/2014State Disclosures TX - Mortgage Company Disclosure5/13/2014State Disclosures TX 50(f)(2) Notice Concerning Refinance of Existing Home Equity Loan to Non-50(a)(6)1/2/2018State Disclosures TX 50(f)(2) Owner's Affidavit of Compliance1/2/2018State Disclosures VA - Notification to Mortgage Application4/25/2011State Disclosures WV - Net Tangible Benefit Worksheet7/10/2012State Disclosures Certification of Disability of Handicap USDA Rural Development RD Income Disclosure7/9/2015USDA Rural Development Thermal Certificate12/28/2012USDA Rural Development Water Quality Charts6/29/2010USDA Rural Development Cash Out Refinance Loan Comparison and Certification (Sample)7/17/2019VA Child Care Statement2/22/2013VA Counseling Checklist for Military Homebuyers12/3/2010VA Important Notice of VA Loan Borrower Rights12/7/2010VA Interactive Request for Certificate of Eligibility12/3/2010VA IRRRL Eligibility Worksheet8/20/2019VA Loan Amount Calculation Worksheet - IRRRL (VA 26-8923)9/1/2018VA Loan Analysis Worksheet12/3/2010VA Report and Certification of Loan Disbursement12/3/2010VA Reservist/National Guard Certification5/2/2014VA TIP Zone Map12/3/2010VA Unmarried Surviving Spouse Determination Request for Loan Eligibility12/3/2010VA VA Appraisal Order Request1/3/2020VA VA Appraisal Ordering Process1/3/2020VA VA ARM Disclosure6/9/2011VA VA Entitlement Worksheet12/18/2019VA VA Escape Clause (Amendatory Clause)1/12/2016VA VA Notice to Homeowner12/3/2010VA VA Request for Determination of Reasonable Value12/3/2010VA Verification of VA Benefit Related Indebtedness12/3/2010VA Veteran ARM Certification3/31/2011VA Veteran Certification - Closest Living Relative3/31/2011VA Water Testing Requirements12/3/2010VA