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When a case binder is requested, an e-mail notification is sent to the lender using the contact information provided via Lender Insurance Contact. Requested binders must be submitted to the appropriate HOC within 10 business days of the request date. Binder Selection can be used to view and track requested case binders.
Specific bookmarks must be created in the PDF file containing the case binder documents. The appropriate documents are placed under each bookmark. See the tables below for details.
Bookmarks and Documents for Forward Cases (Traditional Mortgages)
| Bookmark in PDF File | Document | ||
|---|---|---|---|
| Required Documents for All Forward Cases: | |||
| • | Note | • | Note |
| • | Security Instrument | • | Security Instrument and Riders |
| • | HUD-1 | • | Settlement Statement - form HUD-1 |
| • | Uniform Residential Loan Application | • | Uniform Residential Loan Application (URLA) - Fannie Mae form 1003, Freddie Mac form 65 |
| • | Contract | • | Purchase Contract and Addenda |
| Required Additional Document for Purchase, FHA-to-FHA Non-streamline Refinance, and Streamline Refinance with Appraisal Cases: | |||
| • | Appraisal | • | Appraisal Report |
| Required Additional Document for Purchase and FHA-to-FHA Non-streamline Refinance Cases: | |||
| • | Credit Report | • | Credit Report |
| Required Additional Document for HOPE for Homeowners (H4H) Cases: | |||
| • | Other | • | HOPE for Homeowners documentation |
| Optional Documents for Forward Cases: | |||
| • | Uniform Residential Loan Application | • | HUD/VA Addendum to Uniform Residential Loan Application - form HUD-92900-A |
| • | Credit Report | • | Asset Verification |
| • | Gift Letter | ||
| • | Income Verification | ||
| • | Evidence of SSN | ||
| • | Automated Underwriting Feedback Certificate | ||
| • | Mortgage Credit Analysis Worksheet | ||
| • | Appraisal | • | Homebuyer Summary |
| • | Valuation Condition Sheet | ||
| • | Mortgage Assurance of Completion | ||
| • | Compliance Inspection Report | ||
| • | Wood Destroying Insect Infestation Report | ||
| • | Local Health Authority's Approval | ||
| • | Statement of Appraised Value | ||
| • | Builder's Certification | ||
| • | Builder's One-year Warranty | ||
| • | Evidence of a 10-year Warranty | ||
| • | Early Start Letter | ||
| • | Inspections Completed by Local or FHA Fee Inspector | ||
| • | Subterranean Termite Treatment Report | ||
| • | MAR/MCC Documentation | ||
| • | VACRV/MCRV Documentation | ||
| • | Engineer's Certificate of Manufactured Housing Foundation | ||
| • | Other | • | Miscellaneous |
| • | First-time Homebuyer Counseling Certificate | ||
| • | Late Submission Letter/Payment History | ||
| • | 203(k) Worksheet | ||
| • | Energy Efficient Mortgage (EEM) Worksheet | ||
| • | 203(h) Worksheet | ||
| • | Specialized Eligibility Documents for 203(k), Multi-unit Properties, or Condominiums | ||
| • | For Your Protection | ||
Bookmarks and Documents for Home Equity Conversion Mortgages (HECMs or Reverse Mortgages)
| Bookmark in PDF File | Document | ||
|---|---|---|---|
| Required Documents for All HECM Cases: | |||
| • | Appraisal | • | Appraisal Report |
| • | Statement of Appraised Value | ||
| • | Uniform Residential Loan Application | • | Residential Loan Application for Reverse Mortgages - Fannie Mae form 1009 |
| • | HUD/VA Addendum to Uniform Residential Loan Application - form HUD-92900-A | ||
| • | Title Commitment | • | Title Insurance Commitment |
| • | Note | • | First Note |
| • | Second Note | ||
| • | Mortgage | • | First Mortgage |
| • | Second Mortgage | ||
| • | HUD-1 | • | Settlement Statement - form HUD-1 |
| • | Credit | • | Notice to the Borrower |
| • | Credit Report | • | Credit Report |
| • | Gift Letter | ||
| • | Evidence of Social Security Number | ||
| • | Evidence of Credit Alert Interactive Voice Response System (CAIVRS) Authorization | ||
| • | Other | • | Choice of Insurance Options |
| • | Certificate of HECM Counseling Form | ||
| • | Loan Agreement | ||
| • | Payment Plan, Schedule of Closing Costs, Schedule of Liens | ||
| • | Evidence of Calculation for Principal Limit and Monthly Payment Amount | ||
| • | Limited Denial of Participation and GSA Screen Print | ||
| Required Additional Document for HECM Refinance Cases: | |||
| • | Other | • | HECM Anti-Churning Disclosure Form |
| Required Additional Document for HECM Purchase Cases: | |||
| • | Contract | • | Purchase Contract and Addenda |
| Optional Documents for HECM Cases: | |||
| • | Appraisal | • | Compliance Inspection Report |
| • | Supporting Documentation | ||
| • | Credit Report | • | Verification of Assets |
| • | Other | • | Miscellaneous |
| • | Late Submission Explanation | ||
| • | Borrower's Contract with Respect to Hotel and Transient Use of Property | ||
| • | Repair Rider | ||
See Also
Electronic Case Binder Upload - Processing
Electronic Case Binder Upload Request Page - Field Description
Electronic Case Binder Upload Page - Field Descriptions
Electronic Case Binder Upload Results Page - Field Descriptions