V A C O M P L I A N C E

A G E N C Y C O M P L I A N C E

1.

2.

TRID Initial LE(s) for 1st and 2nd Mortgages within 3 days of Application

TRID Compliance:

a)b)

c)

d) All revised CD(s) w/final CD signed & dated for closing date, if DPA is used source must be disclosed

e) CD’s dated post close (if applicable) if DPA is used source must be disclosed

f) CFPB ToolKit/Acknowledgement

3.4.

5.

6.

7.8.9.10.11.12.13.14.15.16.17.18.19.20.

25.26.27.

F H A C O M P L I A N C E1.2.

3.4.5.6.7.8.9.

10.11.12.13.14.15.16.

17.

HUD-92000-A Initial (with pages 1&2 fully completed) HUD-92000-A Final (with pages 1-4 fully completed by borrower and underwriter)HUD-92900-B Important Notice to Homebuyer Real Estate Cert & Amendatory Clause fully executed Informed Consumer Choices Notification FHA Case Query reflecting UFMIP as received FHA Case No. Assignment LUTS 929000-LT w/ CAIVRS/LDP/GSA "marked no" Award & Commit. letter(s) for NON-HFA/Gifts/Grants Conditional Commitment with all requirements Loan MUST be FHA insured if > 90 days from close Lender Unit Certification Form (if condominium) HUD-92561 (Hotel/Transient Use – required if 2+Units) DPA Award & Commitment letters signed by borrowers Builder's Certificate (new const. only) Builder's Warranty of Completion (HUD- 92544, new const. only) Final Inspection (HUD-92051 or 1004D, if applicable, new const. only) Evidence of 10 year warranty, or in lieu of warranty Builder's Permit & Certificate of Occupancy (if new construction)For Your Protection Get A Home InspectionSettlement Certification

1.2.3.4.5.6.7.8.9.

10.11.12.13.

15.16.

VA-26-1802a to include pages 1 & 2 VA-26-1820 Report & Certification of Loan Disbursement COE for Veteran borrower VA funding Fee Receipt reflecting settled/processed VA 26-6393 Loan Analysis CAIVRS Authorization of all borrowers VA Notice of Value with all conditions Borrower Certificate & Authorization VA Rider to Security Instrument (or 5 clauses) Escape Clause/ Amendatory Clause VA-26-592 Counseling Checklist (Active duty only) VA HUD-1/CD Itemization Loan Quality Certification (Title 38 USC) VA 26-1866 Commitment Cert (if prior approval from VA) VA Guaranty Certificate (if > 90 days from close) NPMA-33 Termite/Wood Destroying Insect/Soil Treatment

1.2.3.4.5.

1.2.

3.4.

5.6.7.

P R O P E R T Y C O M P L I A N C E Appraisal Delivery Acknowledgement HOI (hazard policy with paid receipt to include mortgagee clause (ISAOA ATIMA) Standard Flood Hazard determinationFlood Policy with paid receipt to include mortgagee clause to U.S. Bank (if applicable) Notice to Borrower in Special Flood Hazard Area Appraisal (all pages) < 5 acres..... USBHM Condo Review if LTV > 95% FHA/FNMA/FHLMC UCDP/SSR Submission Final Inspection (if appraisal is subject to repairs) Work completion Escrow Agreement Final Purchase Contract Price.........

U S D A C O M P L I A N C E

PROGRAM: AMI: LOAN TYPE: HH SIZE: CLOSING DATE: BORROWER NAME: IHDA FILE #:

NOTES

22.23.

24.

HO - 005

21.

8.9.

14.

1. VOE: (all borrowers) within 10 business days Prior VVOE ...........................................2.IRS W-9 ...………...................................... 3.

4. IRS 4506T signed ....……………................ IRS 8821(self-employed) .………….......... 5.

BIRS W2's .................................................

CB 6.

Signed Tax Returns Transcripts....…'17 B '16 B '17 CB '16 CB

7.

(HO-027) Tax Affidavit for year(s) PTC... 8. Paystubs: 30 days...................................

18YO9.

10.11.

2 months Bank stmnts. (per AUS)........ Signed Income Calculator…………..........

(HO-007)Signed Income Cert PTC.....……...….

12. SSI, Pension, VA, VA Benefits ..............

14. Divorce Decree/Property Settlement, Marriage Certificate, Birth Certificate.................

13. LOX for Discrepancies ……………........….

'18 B '18 CB

1.2.

5.

7.

(HO-001) Submission Cover PTC.......……….... (HO-012) Borrower Affidavit Dated PTC........ (HO-028) Seller Affidavit dated PTC..............

(HO-004) Tax Code Comp. Certificate PTC….

(HO-034)MRB Initial Recapture PTC..............

8.

(RP-016)4 Second Payment Letter AC..........

9.10.11.

(1stHome-018.2)HHF Summary Disc.1PTC....

I H D A D I S C L O S U R E C O M P L I A N C E

(recorded with 1st) AC......................Signed Servicing Letter1,2,3 AC........................

Certified copy of 2nd Mortgage AC....................................

(1stHome-017) Dodd Frank1 PTC....................

12.

Written List of Providers All revised LE disclosures & supporting docs. Initial CD (for 1st & 2nd) 3 days

LENDER NAME:

LENDER CONTACT NAME:

LENDER CONTACT EMAIL:

L E N D E R C O N T A C T

10.

2nd Mortgage Note AC..................................... 13.

- IHDA DELIVERY CHECKLIST -

Remember! - Split your upload:

1. IHDA Delivery File- ALL IHDA DOCS2. INVESTOR Delivery File-Everything else

Certified copy of Power of Attorney Notarized Name Affidavits Initial Payment Letter/First Payment Letter Title Commitment/Binder Tax Certification Sheet IEAD (Initial Escrow Account Disclosure) Initial URLA/1003 fully executed Final URLA/1003 fully executed 1008 (FNMA) or 1077 (FHLMC) Signed PMI Certificate (if over 80% LTV) PMI Disclosure Evidence of payment to MI company Amortization Schedule (Conv. loans) Copy of check & pay history (if principal reduct.) AUS - DU, LPA, GUSFFIEC Rate Spread Calc & lock if HPML Pre-Purchase Counseling Cert dated PTC & signed (as needed)by: Borrrower Coborrower/SP Non-HFA/Gift Letter(s) & proof of transfer Compliance/ E&O agreement Customer ID & Notice – Patriot Act Other Compliance Disclosures to borrower Credit Report: FICO OFAC Search with no matches found List of Housing Counseling Orgs.

3.4.

11.

(HO-054) Assist. Impact Letter AC.................

14.

I N C OM E C O M P L I A N C E

RD 3555-18 Conditional CommitmentGUS Findings 1008 Underwriting Transmittal RD 3555-21 Request for Single Family Housing Loan Guarantee RD 3555-17 Loan Note Guarantee (if >90 days from close)

Document Completion/Execution Guide PTC = Prior to Closing AC = At Closing

6.

(HO-035)MRB Final Recapture AC.................Required on: 1. 1stHomeIllinois 2. Access FG 3. Access DF

15.16.

(HO-024) MCC Opt Out PTC..........................

(HO-002)U.S. Bank Authorization PTC..........

17.

Document Completion/Execution Guide PTC = Prior to Closing AC = At Closing

B CB

18.

(HO-053)Zero Inc. Cert. (as needed) PTC..….

28.

Intent to Proceed Certified copy of Assignment of Mortgage to U.S. Bank (if mortgage is not on MOM doc) 1st Mortgage Note

Loan Amt: Rate: %

30.29.

4. Access RP loans Certified copy of 1st Mortgage with attached legal description & Riders (if MERS must be on MOM docs)

Loan Amt: (HO-008.1) IHDA Rider to 1st Mortgage

18.

19.20.

MC C C O M P L I A N C EAll documents required for the MCC are listed on the submission cover of the MCC document set and must be included with every MCC.