Last Approved Stage:Program: Status:

Program Loan Number:Originator Loan Number: Working Stage (The Next Stage):

Originator: Reservation Date:Est. Closing Date:

Loan Officer: Servicer:

Loan Processor:

Primary Borrower(s): First Time Homebuyer:Co- Borrow Age & Gender:

Marital Status: FICO Score:

Occupation (Primary): Total HH Size: Military Designation: Employed:

Compliance HHLD Income:

Property Address:City:

County: Zip:Target/Non Target: Census Tract:

Building Type: Category: Year Built: CO:

Program Funds:

Interest Rate: Loan Type: Amortization:

Loan Amount: Term:

DPA Loan: Term Int Rate:

Amount:

Stage Approved Date: Approved By:Reservation:

Underwriting Certification:Compliance Approval:

Purchased:

For additional loan details, you can view your loan on line. Printed Date:

SAMPLE FORMS

DO NOT

DUPLICATE

UNDERWRITER’S CERTIFICATION

The following loan has been reserved using First-Time Homebuyer Funds. This is a confirmation of the Underwriter’s Certification,

performed prior to closing. For additional details, you can view this loan in the Edit/Update Function online.

Program:

Loan Number: Originator:

Lender Number: Loan Officer:

Borrower: Credit Score: FTHB:

Co-Borrower: Credit Score: FTHB:

Title held as:

Property Address:

City, State, Zip, County:

T/N: Census Tract: Year Built: Category:

First Mortgage: DPA/Assistance:

Loan Amount DPA Amount:

Interest Rate

Loan Type

Purchase/Acquisition Price

Compliance Household (Annualized) Income Hhld Size:

Credit Qualifying (1003 Monthly) Income Employed:

% AMI (Program Limits) Dependents:

DTI-

Closing Date

Certification Terms:

� If applicable, I have reviewed the Federal Tax Returns for the period three years preceding closing for the mortgagor(s) and spouse(s). I have

verified that a mortgage interest deduction was NOT claimed.

� If applicable, I have verified that the mortgagor(s) have signed the appropriate notices or disclosures as required by the program.

� I have reviewed the original 1003 application for verification of all requirements and verified that the Application Date, Purchase Price, Interest

Rate, Loan Type, and FIRST TIME BUYER meet the program's criteria.

� I have verified that the DTI, Household Income, Credit Income and Borrower’s FICO qualify as required by the program.

� I have reviewed the loan package for the mortgagor(s) named herein, and have approved this loan for the purposes of credit and compliance

with this program's criteria.

Affirmed By: Approved Date:

Underwriter Printed Date

Based on the above qualifying criteria submitted, this loan is approved to close in the above program.

TIMELINE on this loan ends on:

SAMPLE FORMS

DO NOT

DUPLICATE

           

 

Loan number: Program:

Borrowers:

Lender:

Originator#:

Reserved on:

eHousingPlus www.eHousingPlus.com

 

 

 

SAMPLE FORMS

DO NOT

DUPLICATE

20 Days = Reservation to Underwriter Certification Printed On___________________ 40 Days = Reservation to Close & eHousingPlus Receive File FLORIDA HOUSING FINANCE CORPORATION COMPLIANCE FILE CHECKLIST HFA PREFERRED CONVENTIONAL LOAN – FLORIDA ASSIST DPA SERVICER LOAN NUMBER: MORTGAGOR NAME: LENDER NAME: LENDER LOAN NUMBER: PLEASE SUBMIT ONLY COMPLETE FILES IN AN ACCO-BOUND FILE FOLDER IN THE EXACT ORDER SHOWN BELOW. INCOMPLETE AND NON ACCO-BOUND FILES WILL BE RETURNED AT LENDER EXPENSE. _____ Compliance review Fee of $250. Corporate checks should be made payable to eHousingPlus. Note borrower(s) name and property address on the check. Wire payments are now accepted by eHousingPlus. ***You MUST enter the Check # or the ACH Confirmation:______________________________________ _____ COPY of Homebuyer Education Certificate _____ COPY of Real Estate Purchase Contract _____ COPY of FINAL Signed 1003 _____ COPY of FINAL SIGNED CLOSING DISCLOSURE (TRID form) or HUD1 thru 10/02/15 application date _____ COPY of Warranty Deed _____ COPY of discharge papers (DD214) only if Veteran is qualifying under the Veterans Exception THE COMPLETE ACCO-BOUND COMPLIANCE FILE FOLDER IS SUBMITTED TO:

eHousingPlus 3050 Universal Blvd., Suite 190 Weston, FL 33331.

MORTGAGE FILE NOTE: Mortgage File, including credit package and second mortgage docs are sent to US Bank. See US Bank site for their checklists.

The Compliance/Admin Fee is the fee charged by the Program Administrator/Compliance Agent to process the applicant/borrower from Origination to Compliance Approval, and to assess that the lenders originating such loans are following Program guidelines for the benefit of the eligible borrower(s). The Program Administrator/Compliance Agent tracks the loan via its web-based system, and assists the lender in processing the loan ensuring eligibility to the program available offerings, which can include various rate options, and down payment assistance. The Compliance/Admin fee includes the review of information and documents delivered in the form of a Compliance File by the originating lender, on behalf of the borrower. Additionally the Compliance review verifies that the lender has charged only the fees allowed by the Program. Contrary to this, approval may be denied and/or fees may have to be reimbursed to the borrower. The compliance file processing consists of required affidavits, application, closing documents, certain non-mortgage documents, tax returns where applicable and other pre-defined Program documents that are disclosed to the potential borrower(s). This is required to ultimately receive Compliance Approval. These documents can support both the first mortgage and any down payment assistance available, and are required to ensure eligibility to the Program, Federal, State and Local requirements, where applicable. The Compliance review verifies that the data and documents submitted meet all requirements, and may include those for first-time homebuyer, income limits, sales price limits, targeted areas, homebuyer education, rate, term, points, fee limits, LTV, FICO score, special state, city, county program requirements for qualified military, first responders, teachers, etc.). The Compliance/Admin Fee must be referred to as such in the Closing Disclosure and must be ONLY for amount stated in the program Administrator’s Guidelines.  

REV 12/30/15

SAMPLE FORMS

DO NOT

DUPLICATE

usbank.com Rev. 12 31 14

Borrower Authorization of Release of Private Information

The undersigned Borrower and Co-Borrower, if any, (individually and collectively, “Borrower” or “I”) authorize U.S. Bank National Association, and its successors and assigns (“U.S. Bank”), to disclose, share, release, communicate, and provide to and with Florida Housing Finance Corporation (“Third Party”) private information and documentation (collectively, “Information “) contained in or related to my mortgage loan, which is identified below. This Information may include, but is not limited to, my name, address, telephone number, social security number, FICO score, loan data, credit report, income, government monitoring information, loss mitigation application status, account balances, program eligibility, reports, and payment activity, including delinquencies. I understand that some or all of the Information is classified as private information with regard to an individual. I understand that it may be necessary for Third Party to have access to my Information in order to effectively manage Third Party’s loan programs.

I have read and understand U.S. Bank’s Privacy Pledge which is attached to this Authorization. I am aware that U.S. Bank is committed to compliance with its Privacy Pledge and with the Privacy of Consumer Financial Information (Regulation P) Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA) and other legal requirements relating to the privacy and security of my Information.

I understand that U.S. Bank will take reasonable steps to verify the identity of Third Party before releasing my Information to Third Party, but U.S. Bank has no responsibility or liability to verify the identity of Third Party or what Third Party will do with my Information provided by U.S. Bank. I agree to indemnify and hold U.S. Bank harmless in the event Third Party misuses my Information provided to Third Party by U.S. Bank.

This authorization will not be valid unless I sign the authorization and will remain in effect until I revoke it in writing and deliver my revocation to U.S. Bank.

Loan No.: ___________________________

Property Address: ___________________________________ ___________________________________ ___________________________________

Borrower Name: ___________________________________ Borrower Signature: ___________________________________ Date:_______________________

Co-Borrower Name: __________________________________ Co-Borrower Signature: __________________________________ Date:_______________________

SAMPLE FORMS

DO NOT

DUPLICATE

Explanation: US Bank’s Borrower Authorization of Release of Private Information Form

Florida Housing Finance Corporation | 227 North Bronough Street Suite 5000 | Tallahassee FL 32301 | 850.488.4197

When your loan is purchased by US Bank, acting as the Loan Servicer for the Florida Housing Finance Corporaiton (FHFC), borrowers are noti�ed by US Bank for loan payment collection.

In addition, FHFC requires borrowers who receive �nancing from FHFCto complete US Bank’s required Borrower Authorization of Release of Private Information Form. This form permits US Bank, the Loan Servicer, to share necessary data pertaining to the borrower(s) and loan transaction to FHFC.

If the loan is not purchased by US Bank, acting as FHFC’s Loan Servicer, no data will be shared between the originating lender and US Bank.

The Florida Housing Financing Corporation is an Equal Opportunity Housing Entity. Loans are available on a fair and equal basis regardless of race, color, religion, sex, familal status, national origin, military status, disability or ancestry. Please visit www.FloridaHousing.org for more information

H o m e o w n e r s h i p P r o g r a m s

SAMPLE FORMS

DO NOT

DUPLICATE

Rev. 11/14

42857

FACTS WHAT DOES U.S. BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ■ Social Security number and income ■ account balances and payment history ■ transaction history and credit history

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons U.S. Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does U.S. Bank share? Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes— to offer our products and services to you

Yes No

For joint marketing with other financial companies No We don’t share

For our affiliates’ everyday business purposes—information about your transactions and experiences

Yes No

For our affiliates’ everyday business purposes—information about your creditworthiness

Yes Yes

For nonaffiliates to market to you No* We don’t share

To limit our sharing

■ Call 800-370-8580—our menu will prompt you through your choice or ■ Visit us online: http://www.usbank.com/privacy and tell us your preference on the “Exercise

Your Privacy Choice” page.

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

To limit our direct marketing

Please note: We may contact our existing customers by mail, telephone, or email to offer additional financial products or services including products and services offered by nonaffiliates that we believe may be of interest to you. You may direct us not to send you such offers. ■ To limit our direct marketing to you by mail or telephone, please call 800-370-8580--our menu

will prompt you through your choices, or visit us online: http://www.usbank.com/privacy and tell us your preference on the “Exercise Your Privacy Choice” page.

■ To limit our direct marketing to you by e-mail, visit us online: http://www.usbank.com/privacy and tell us your preference on the "Email Preferences" page.

Questions? Call 800-872-2657 or go to usbank.com

SAMPLE FORMS

DO NOT

DUPLICATE

Page 2

Who we are

Who is providing this notice?

Companies with the U.S. Bank and U.S. Bancorp names and other affiliates. Please see below for a list of other affiliates that do not have a U.S. Bank or U.S. Bancorp name.

Except for California, North Dakota and Vermont residents, a different notice applies to customers who leased or purchased a vehicle and obtained U.S. Bank financing directly through a dealership. That notice from U.S. Bank—Dealer Financial Services is available online at http://www.usbank.com/privacy or by calling 800-437-9497.

What we do

How does U.S. Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does U.S. Bank collect my personal information?

We collect your personal information, for example, when you

■ open an account or apply for a loan

■ use your credit or debit card or make deposits or withdrawals from your account

■ tell us about your investment or retirement portfolio

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

■ sharing for affiliates’ everyday business purposes—information about your creditworthiness

■ affiliates from using your information to market to you

■ sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply individually—unless you tell us otherwise.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

■ Our affiliates include companies with a U.S. Bank and U.S. Bancorp name; financial companies such as U.S. Bank National Association and U.S. Bancorp Investments, Inc.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

■ U.S. Bank does not share with nonaffiliates so they can market to you

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

■ U.S. Bank doesn’t jointly market

SAMPLE FORMS

DO NOT

DUPLICATE

Page 3

Other important information You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.

For California residents: In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

For Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

For Nevada residents: We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You can reach us by calling 800-USBANKS (800-872-2657), clicking the “Email Us” link at usbank.com/privacy, or writing to P.O. Box 64490, St. Paul, MN 55164. You are being provided this notice under Nevada state law. In addition to contacting U.S. Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 702-486-3132, emailing aginfo@ag.nv.gov, or by writing to:

Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection 100 North Carson Street, Carson City, NV 89701-4717

Additional U.S. Bancorp affiliates The Miami Valley Insurance Company

Red Sky Risk Services, LLC

Mississippi Valley Company

Elan Life Insurance Company

*Please keep in mind that, as permitted by applicable law, if you have a private label credit card account with us, we share information about you with our financial or retail partners in connection with maintaining and servicing your account, including for that financial or retail partner to market to you. Federal law does not give you the right to limit this sharing. SAMPLE FORMS

DO NOT

DUPLICATE

[DATE]

[PARTICIPATING LENDER]

[ADDRESS1]

[CITY, STATE ZIP]

Re: HFA Preferred Plus 3% Grant/Gift

Borrower(s): [BORROWER(S) NAME]

Property Address: [ADDRESS1]

[CITY, STATE ZIP]

3% Gift Amount: [3% GIFT AMOUNT]

First Mortgage

Loan Amount: [FIRST MORTGAGE LOAN AMOUNT]

First Mortgage Loan # [LENDER LOAN#]

Please be advised that Florida Housing Finance Corporation (FHFC), a governmental entity as

recognized by Fannie Mae, is providing down payment/closing cost assistance as gift funds, which is to

be used in conjunction with the HFA Preferred PLUS Conventional Mortgage Loan originated through

FHFC’s First Time Homebuyer Program. Additional terms of the 3% gift funds are provided below:

• You are receiving 3% of the purchase price of the home for

downpayment and closing cost assistance

• No repayment is required

• No mortgage or note is required for these funds

9/24/2015

David R. Westcott Date

Director of Homeownership Programs

SAMPLE FORMS

DO NOT

DUPLICATE