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Application Disclosures The following disclosures and acknowledgements contain important information regarding mortgage loan applications. Please view the desired disclosure/acknowledgement by clicking the item name. Disclosure 1/1 YEAR ARM DISCLOSURE - OWNER OCCUPIED 1/1 YEAR ARM DISCLOSURE APPROVED BUILDING LOT 1/1 YEAR ARM DISCLOSURE FOR SEASONAL & INVESTMENT 1/1 YEAR ARM DISCLOSURE FOR UNDEVELOPED LAND 3/1 ARM DISCLOSURE FOR SEASONAL & INVESTMENT PROPERTIES 3/1 ARM DISCLOSURE- ALL TERMS 3/1ARM DISCLOSURE FOR APPROVED BUILDING LOTS 5/1 ARM DISCLOSURE FOR SEASONAL & INVESTMENT PROPERTIES 5/1 ARM DISCLOSURE FOR TERMS OF 20-30 YEARS 5/1 YEAR DISCLOSURE FOR LOANS WITH 15 YEAR TERMS APPLICATION PAYMENT ADDENDUM APPRAISAL NOTIFICATION AND ACKNOWLEDGEMENT ARM RATE LOCK AGREEMENT FOR 3/1 AND 5/1 BORROWER'S AUTHORIZATION COMMITMENT LETTER RELEASE DISCLOSURE CONSTRUCTION LOAN REQUIREMENTS DISCLOSURE CONSTRUCTION RATE AND FEE DISCLOSURE CONSTRUCTION RATE LOCK AGREEMENT CONSUMER HANDBOOK ON ADJUSTABLE RATE MORTGAGES CREDIT INSURANCE DISCLOSURE DISCLOSURE FOR SERVICING RETAINED LOANS DISCLOSURE FOR SERVICING SOLD LOANS EQUAL CREDIT OPPORTUNITY ACT NOTICE EQUAL HOUSING LENDER NOTICE FAIR CREDIT REPORTING ACT NOTICE FHA - 2-4 UNIT PROPERTIES FHA - AMENDATORY CLAUSE FHA - HUD ADDENDUM FHA - IDENTITY OF INTEREST CERT FHA - IMPORTANT NOTICE TO HOMEBUYER FHA - INFORMED CONSUMER CHOICE FHA - NOTICE REGARDING HOME INSPECTION FHA - NOTICE TO HOMEBUYER-ASSUMPTION FIXED RATE LOCK ADDENDUM FOR REFINANCE TRANSACTIONS FIXED RATE LOCK AGREEMENT HELOC DISCLOSURE HMDA NOTICE HUD BOOKLET - SETTLEMENT COSTS AND HELPFUL INFORMATION (2010) NH MECHANICS LIEN LAW SUMMARY NOTICE OF RIGHT TO RECEIVE COPY OF APPRAISAL REPORT VA - CHILD CARE LETTER VA - COUNSELING CHECKLIST VA - ESCAPE CLAUSE VA - HUD ADDENDUM VA - INTEREST RATE & DISCOUNT DISCLOSURE VA - MOBILIZATION CERTIFICATE VA - NEAREST LIVING RELATIVE INFORMATION VA - REQUEST FOR CERTIFICATE OF ELIGIBILITY VA - VERIFICATION OF VA BENEFITS VA _ FEDERAL COLLECTION POLICY NOTICE WHAT YOU SHOULD KNOW ABOUT HOME EQUITY LINES OF CREDIT Please note: Adobe Acrobat Reader is required to view the disclosures listed on this page. Click on the icon above if you need to install this software. If you have Acrobat Reader installed on your PC, but do not see a new window when you click on a disclosure link, please ensure that your browser is not configured to block pop-up windows. If you have popup blocking software installed on your PC, you may be required to enable popup windows in order to view the disclosures.

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