Before you begin... Your Customer will receive a loan decision for FREE and if approved, their approval is valid for 90 days. If your customer chooses to secure their mortgage with us, they will be asked to provide their credit card information for verification purposes. No advance fees will be collected from your customer prior to closing unless they decide to cancel their loan application.If your customer cancels their loan application prior to closing, a NON-REFUNDABLE fee of .5% of the requested loan amount will be charged to the credit card account that your customer provides as permitted by state law. If your customer's loan application is declined for any reason, a Fee of $350.00 or actual costs incurred, whichever is less, is NON-REFUNDABLE and will be retained by us to cover the costs associated with processing your customer's loan application. The fee will be charged to the credit card that your customer provides. Compliance Checklist #1 As required by federal and state law, all items listed below must be completed and checked before you can continue. By checking below, I certify that I completed the steps below and delivered the following disclosures, as well as any other disclosures required to be given by me under federal and state law. If you click on the links below, they will bring you to the page where you access the required documents. Prior to or at application you need to: Complete Review the Mortgage Tools with your customer Review the Loan Programs with your customer Present all required Federal and State Agreements/Disclosures (State Disclosure) Present a Privacy Pledge (Your company should provide this to you) Present a Pre-Application Good Faith Estimate/Third Party Service Provider Disclosure (Federal Disclosure) The items below only need to be checked if they are applicable to your customer's loan program. By clicking the "Confirm & Begin Application" button below, you are acknowledging that you have reviewed and presented the appropriate disclosures to your customer. Present a HUD Guide to Home Buyers Booklet (for customers who intend to purchase a property) (Federal Disclosure) Present a Consumer Handbook on Adjustable Rate Mortgages - ARM (for customers who intend to use an ARM to either purchase or refinance a property) (Federal Disclosure) Present an ARM Disclosure (for customers who intend to use an ARM to either purchase or refinance a property) (Federal Disclosure) Not sure what information your customer needs to supply you with? Click here. *Online approval is subject to your customer providing accurate and complete approval information that meets applicable secondary market credit and property approval guidelines.