Broker Name: LO Name:______________________________________ LO Email:_______________________________________ Processor Name: _ Processor Email: _______ Date: FHA Loan Submission Checklist Borrower Name: Borrower Email:________ Co-Borrower Name: Co-Borrower Email:________ Loan #: _____ Loan Program: ________ Loan Amount:___________________ Sales Price/Appraised Value:_____________________________________ Property Type:__________________ Occupancy:________________ Estimated Closing Date:_______________ This loan is a: Lender Paid Origination Borrower Paid Origination Mortgagee Clause: Union Home Mortgage Corp ISAOA, ATIMA 8241 Dow Circle West, Strongsville, OH 44136 Title Proposed Insured: Union Home Mortgage Corp ISAOA, ATIMA & Sec of HUD UHM FHA Lender ID: 3827009995 Union Home Mortgage Corp. (UHM) Forms and state required disclosures must be included for all loan programs & are located in the Existing Partners tab of the website www.uhwholesale.com Required Disclosures: UHM Loan Submission Checklist Anti-Steering Disclosure Intent to Proceed LQI Disclosure Mortgage Fraud Investigated by the FBI GFE / TIL Homeownership Counseling Disclosure with CFPB List Privacy Policy Disclosure Notices Borrowers Cert and Authorization Right to Receive Copy of Appraisal Credit Score Disclosure/Notice to Home Loan Applicant Settlement Cost Booklet Written List of Service Providers ECOA Housing Financial Discrimination Act of 1977 Fair Lending Notice Interest Rate Lock Agreement PMI Disclosure (if applicable) Itemization of Amount Financed Mtg Broker Fee Agreement (MLOA) Patriot Act Info Disclosure/Important Applicant Info & Drivers License Affiliated Business Arrangement Servicing Disclosure 4506T Hazard Insurance Authorization & Requirements ALL State Specific Disclosures ARM Disclosures (if applicable) Documentation Requirements: DU Findings Released & Finaled to UHM Initial Application (1003) signed & dated by borrower(s) & LO Final Typed Application (1003) Tri-merge Credit Report (within 120 days). Include LOX for each inquiry within 120 days and LOX for any derogatory credit Student Loans: If on credit report, proof they are deferred for over 12 months or provide est. payment letter from source Most recent 30 days Paystubs for all borrowers Most recent 2 years W-2 for all borrowers Last 2 years tax returns for self-employed borrowers or if receiving commission, bonus or rental income needed to qualify Satisfy repair & inspection requirements per contract & appraisal - Inform UHM when re-inspection is required. 1004D required from appraiser once repairs are completed (if applicable) Most recent 2 months Bank Statements with ALL pages. Include LOX and documentation for all large deposits Verbal VOE’s for most recent 2 years employment history Fully executed legible Purchase Agreement & all addendums Title Commitment, 24 month chain of title, CPL, Wire Instructions & Estimated HUD HOI Insurance – If Condo, Walls In coverage (HO6 Policy) with at least 20% of the appraised value Master Ins. Policy, Fidelity Ins. or Employee Honesty coverage of at least 3 months of the HOA fee X number of units is required Divorce Decree or all pages to Bankruptcy (if applicable) Subordination Agreement or Short Sale Agreement (if applicable) Original Termite and/or Well & Septic and/or other required inspections - Or Contingency Waiver of inspections (if applicable) FHA Required Disclosures: HUD/VA Addendum (92900A) signed & dated by all parties (within 3 days of application) Notice to Homeowner (Assumption) Important Notice to Homebuyers (92900B) FHA Informed Consumer Choice Disclosure Amendatory Clause & Real Estate Certification signed & dated by all parties (borrower(s), seller(s) and agent(s)) FHA For Your Protection: Get a Home Inspection (Purchase) Financial Privacy Act of 1978 FHA Identity of Interest MDIA NOTICE: If the APR increases by more than 0.125%, OR Finance Charges increase more than $100, OR Loan Amount increases, OR Rate Increases, OR Term Changes, OR Payment Increase by more than 5% - The following will be required, as well as a minimum of 3 business days waiting period, prior to closing. Notice of Intent to Proceed & TIL Quick Reference UHM Email Addresses [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] Request for a lock extension and questions on locking loans Underwriting scenarios only (include supporting documents if applicable) Request case numbers for FHA and VA loans Status on an appraisal order Help and training on using the Portal, submitting loans, locking, etc. Submission of the Closing Request Form to schedule a closing Revised 12/9/2014