As required by federal and state law, all items listed below must be completed and checked before you can continue. To continue, click the "Confirm & Continue" button below. Once the loan is in process, don't forget to request a copy of the flood certificate and home appraisal from your loan counselor for your records. Check the box to authorize us to order an appraisal. Check the box to authorize a flood certification. Compliance items that have been completed: 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)