The following is a list of documents that are typically included in a mortgage refinance transaction. Note that individual documents may vary and this document is for your convenience only and should not be constituted as legal guidance or advice.

We encourage you to contact your loan officer should you have specific questions about your documents or transaction.

Closing Disclosure (CD):

A Closing Disclosure (CD) is a five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).


A mortgage note is a legal document that obligates a borrower to repay a loan at a stated interest rate during a specified period of time. The agreement is secured by a mortgage, a deed of trust or other security instrument that gives your lender a stake in the property.

Deed of Trust:

In real estate in the United States, a deed of trust (or trust deed) is a deed wherein legal title in real property is transferred to a trustee, which holds it as security for a loan (debt) between a borrower and lender.

Various Riders:

The purpose of a mortgage rider is to include special terms, conditions, and situations affecting the loan that are not present in the main mortgage document. Lenders require mortgage riders when the loan has an additional feature that must be explained in writing and is too complex to be inserted into the main mortgage papers.

Notice of Right to Cancel:

This document is also referred to as the “rescission document” or the “Three-Day Notice of Cancellation.” This notice will be found in the loan document package, and it states that the borrower can cancel or rescind their loan transaction within three business days after signing the loan documents.

Errors and Omissions Agreement:

An errors and omissions agreement is used in an attempt to reduce legal liability for potentially incorrect or incomplete information supplied in a contractually related document. 

Borrower’s Certification and Authorization:

This document has the borrower certify that all the information within the loan application is correct. By signing a borrower's certification and authorization, the borrower is willfully giving away a piece of their privacy.

Uniform Residential Loan Application:

The Uniform Residential Loan Application, also known as a Fannie Mae Form 1003 (or just a 1003 form), is a standard form that contains all the information necessary for a lender to establish the risk profile of a borrower.

4506-T Request for Transcript of Tax Return: 

This form is used to order a transcript or other return information free of charge or designate a third party to receive the information from the IRS. 

Request for Taxpayer Identification Number:

A W-9 form is an Internal Revenue Service (IRS) form, also known as a Request for Taxpayer Identification Number and Certification form, which is used to confirm a person's taxpayer identification number (TIN).

Affiliated Business Disclosure Statement:

This form is used by a broker and their agents when referring an owner or buyer to others who provide services in real estate sales, leasing or mortgage transactions and whose earnings are shared with the broker to disclose the business relationship and the financial or other benefits the referral may provide the broker. 

USA Patriot Act Information Form:

Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. When applying for a loan, applicants will be asked for their name, address, date of birth, and other information that will allow lenders to identify them. Applicants will also be asked to show their driver's license and other identifying documents as outlined on the form. 

Affidavit of Occupancy:

A document that requires the signers to swear under oath that they'll live in the property in question on a full-time basis.

First Payment Letter:

The First Payment Letter is provided by your lender when you close your mortgage that notes your monthly mortgage payment amount, when the payment is due and where to send the payment.

Compliance Agreement:

The compliance agreement has the borrower agree to cooperate should there be any changes to any loan documents due to clerical errors.

Flood Hazard Determination:

The Standard Flood Hazard Determination Form (SFHDF) is required for all federally backed loans and is used by lenders to determine the flood risk for their building loans

Customer Contact Disclosure:

This document includes the information of the borrower as well as emergency contact information of an individual, typically a relative, who is not residing in the same dwelling. 

Amortization Schedule:

An amortization schedule is a table detailing each periodic payment on an amortizing loan (typically a mortgage), as generated by an amortization calculator. Amortization refers to the process of paying off a debt (often from a loan or mortgage) over time through regular payments.

Name Affidavit:

A Name Affidavit is a form that allows a person to give a declaration that they are the same person as another name. This might be necessary in the event the person may have been known by or used different names in the past. Sometimes they are given under oath while other times they are given before a notary public.

Initial Escrow Account Disclosure Statement:

The initial escrow disclosure statement details the specific charges that a homebuyer will pay into escrow each month as part of a mortgage agreement.

Equal Credit Opportunity Act Notice:

This is a notice of the Equal Credit Opportunity Act (ECOA) which is a United States law (codified at 15 U.S.C. § 1691 et seq.), enacted 28 October 1974, that makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicant's income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

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