The HUD Booklet - Buying Your Home, Settlement Costs and Helpful Information describes the home buying, home financing and settlement process. Lenders and mortgage brokers are required by federal law, the Real Estate Settlement Procedures Act (RESPA), to give the applicant this booklet when applying for a loan or within three business days afterwards. Real estate brokers frequently hand out this booklet as well.
The CHARM (ARM) Booklet - Consumer Handbook on Adjustable Rate Mortgages provides the loan applicant with useful information regarding adjustable rate loans. Regulation Z requires lenders to provide this booklet to borrowers applying for an adjustable or variable rate loan.
The Home Equity Lines of Credit (HELOC) Brochure provides information to the borrower explaining this type of loan.
The FNMA-1003 Uniform Residential Loan Application meets Freddie Mac & Fannie Mae requirements.
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