Forms Reference

Five-page form detailing loan terms, projected payments, closing costs, and other financial details of the transaction.

The borrower's promise to repay the loan. Usually NOT notarized but must be signed.

Security instrument that pledges the property as collateral for the loan. Requires notarization in most states.

Gives borrower 3 business days to cancel the transaction. Required for refinances and HELOCs on primary residences.

Transfers ownership of the property. Type varies by state (Grant Deed in CA, Warranty Deed in most other states).

Itemized summary of transaction charges, credits, and settlement details. Placement and format may vary by transaction type.

Sworn statement confirming the signer's identity. Commonly used in purchase and seller transactions.

Foreign Investment in Real Property Tax Act certification — seller certifies they are not a foreign person.

Borrower certifies they intend to occupy the property as their primary residence.

IRS form designating who is responsible for reporting the sale to the IRS.

Agreement to comply with document corrections if errors are found after closing.

Certificate confirming borrower has completed required HUD counseling for reverse mortgage.

Notary certificate for acknowledgment-type notarizations. Format varies by state.

Notary certificate for jurat-type notarizations where signer swears/affirms content is true.