RLO – form Wholesale Empower Checklist – Broker Disclosure Package Rev.09/21/2020 Thank you for your business! To avoid any delays in the acceptance of your loan, all items listed below must be included in the “Broker Disclosure Package” folder at the time of submission. (Refer to the last page in this attachment for instructions on how to Upload Documents to the GDR) Optional Credit Reports: Brokers may submit a Partners Credit credit report for reissue and use by Union Bank Wholesale. Signed 1 Union Bank Home Loans Relationship Pricing Program – Click here for Terms and Conditions Required documents for all submissions A complete 1003 signed 1 by the brokers originating loan officer. Accurate property address and zip code is required. (1003 signed by the borrower is recommended but not required.) GMI / Demographic Information Addendum Legible purchase contract with all counter offers and addendums signed 1 by all parties to the transaction (Purchase only) Estimated Closing Statement or other acceptable loan estimate settlement Services Fee Verification from escrow/title company. (If purchase, include buyer and seller paid items) Closing Disclosure Requirements Checklist - Submissions without a fully completed checklist will experience delays in issuance of the CD (See CD checklist in packet). Preliminary Title Report - Vesting in borrower’s name for a refinance and all liens and judgments have been addressed. Broker initial Loan Estimate (LE) and any revised Broker’s Service Provider List Signed 2 and dated Certification and Authorization o Note: 3rd party vendors or merchants may require a wet signed document to release information Signed 2 and dated Union Bank IRS 4506-T click here Signed 2 and dated Broker Relationship Signed 2 and dated No Up Front Fees Certification Signed 2 and dated Loan Estimate Certification Signed 2 and dated Housing Counseling Acknowledgment Required documents if applicable Credco International Credit Report Order Form and Credco Authorization Form - click here Canadian Credit Report Request - click here Appraisal Delivery Waiver 2 - click here Broker Request for Flex Equity Terms - click here Borrower Paid Compensation Confirmation - click here Affiliated Business Arrangement Disclosure – Dated within 3 days of the application date Electronic Signatures are allowed on designated broker disclosure documents as described below: Portfolio products: 1 - Electronic Signatures are acceptable (no e-signature certificate required) 2 - Electronic Signatures are acceptable (e-signature certificate required to provide evidence authentication).An acceptable example is provided at the end of this packet. Note: Electronic Signatures are not allowed for the JS30 Saleable product.
To avoid any delays in the acceptance of your loan, all items listed below must be included in the “Broker Disclosure Package” folder at the time of submission.
(Refer to the last page in this attachment for instructions on how to Upload Documents to the GDR)
Optional
Credit Reports: Brokers may submit a Partners Credit credit report for reissue and use by Union Bank Wholesale.
Signed1 Union Bank Home Loans Relationship Pricing Program – Click here for Terms and Conditions
Required documents for all submissions
A complete 1003 signed1 by the brokers originating loan officer. Accurate property address and zip code is required. (1003 signed by the borrower is recommended but not required.)
GMI / Demographic Information Addendum
Legible purchase contract with all counter offers and addendums signed1 by all parties to the transaction (Purchase only)
Estimated Closing Statement or other acceptable loan estimate settlement Services Fee Verification from escrow/title company. (If purchase, include buyer and seller paid items)
Closing Disclosure Requirements Checklist - Submissions without a fully completed checklist will experience delays in issuance of the CD (See CD checklist in packet).
Preliminary Title Report - Vesting in borrower’s name for a refinance and all liens and judgments have been addressed.
Broker initial Loan Estimate (LE) and any revised
Broker’s Service Provider List Signed2 and dated Certification and Authorization
o Note: 3rd party vendors or merchants may require a wet signed document to release information
Signed2 and dated Union Bank IRS 4506-T click here
Signed2 and dated Broker Relationship
Signed2 and dated No Up Front Fees Certification
Signed2 and dated Loan Estimate Certification
Signed2 and dated Housing Counseling Acknowledgment
Required documents if applicable
Credco International Credit Report Order Form and Credco Authorization Form - click here Canadian Credit Report Request - click here
Appraisal Delivery Waiver2 - click here Broker Request for Flex Equity Terms - click here Borrower Paid Compensation Confirmation - click here Affiliated Business Arrangement Disclosure – Dated within 3 days of the application date
Electronic Signatures are allowed on designated broker disclosure documents as described below:
Portfolio products: 1 - Electronic Signatures are acceptable (no e-signature certificate required) 2 - Electronic Signatures are acceptable (e-signature certificate required to provide evidence authentication).An acceptable example is provided at the end of this packet.
Note: Electronic Signatures are not allowed for the JS30 Saleable product.
ALL THE BELOW INFORMATION IS REQUIRED TO ISSUE THE INITIAL CD Submissions without the checklist or an incomplete checklist will experience delays in issuance of the CD
Borrower Name(s):
Loan Number:
1. Does the borrower wish to receive disclosures and customer notices electronically from Union Bank? No Yes. Confirm correct email address: _________________________________________
2. Insurance Declaration Page(s) for all applicable hazard and flood policies. Quotes are acceptable on purchases (for CD purposes only).
3. Provide the following information for Settlement agent (title/escrow):
Settlement agent company/organization:
Settlement agent organization license number:
Settlement agent:
Settlement agent license number: • Required for Washington County, OR and Washington agents. • For CA, leave blank if agent doesn’t have an individual license #.
Settlement agent email address:
4. Most recent Estimated Closing Statement from Escrow. Purchases: Closing Statement must include both buyer’s and seller’s fees.
5. Using Power of Attorney? No Yes – Provide the borrower’s initial signed 1003, copy of the completed POA and
closing statement with any associated fees must be provided prior to docs.
6. Please provide the brokers credit report provider’s name. Name of Credit Report Provider: _________________________________________________________________
7. Who is paying for the appraisal? Broker
Broker to be reimbursed? Yes, refund my credit card post-closing. No. Do not refund my credit card.
Borrower
Response required on all transactions:
8. In the event a cure is incurred, borrower has the option to apply cure as a principle reduction or as a credit toward closing cost. What is the borrower’s preference?
Credit towards closing fees Principal reduction
***Purchase Submissions - Continue on next page***
Rev 3/12/19
Complete for all Purchase Submissions (not required for builders/new construction) Selling Broker (agent for Buyer)
Company
License#
Realtor Name
License#
Phone #
Fax #
Email Address
Address City, Zip, State
Listing Broker (agent for Seller)
Company
License#
Realtor Name
License#
Phone #
Fax #
Email Address
Address City, Zip, State
We appreciate your business! If you have any questions, please contact your Union Bank Representative.
Mortgage Loan OriginatorMUFG Union Bank, N.A.9865 Towne Centre DriveSan Diego, CA 92121
Borrower
Date: Loan Number:
Credit AuthorizationI/We authorize the Mortgage Loan Originator to obtain such information as the Mortgage Loan Originator may requireto verify the statements in my/our application, including obtaining consumer reports and making credit, banking andemployment inquiries. In connection with my/our application for credit from the Mortgage Loan Originator and anysubsequent financial products or services the Mortgage Loan Originator may offer, I/we consent to the Mortgage LoanOriginator obtaining one or more consumer credit reports on me/us from time to time. The Mortgage Loan Originatormay provide a copy of this Credit Authorization to the consumer reports agencies. My/our other creditors, bankers andemployer(s) may rely upon this authorization herein as if such authorizations were made directly to them and they areauthorized to respond directly to the Mortgage Loan Originator.
CertificationThe undersigned certify the following:“I” (Borrower) have applied for a mortgage loan from “Mortgage Loan Originator” (MUFG Union Bank, N.A.). Inapplying for the loan, I completed a loan application containing information which may include the purpose of the loan,the amount and source of the down payment, employment and income information, and assets and liabilities. I certify thatall of the information is true and complete. I made no misrepresentations in the loan application or other documents, nordid I omit any pertinent information.I understand and agree that Mortgage Loan Originator reserves the right to change the mortgage loan review process to afull documentation program. This may include verifying the information provided on the application with the employerand/or the financial institution.I fully understand that it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any falsestatements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section1014.
Authorization to Release InformationTo Whom It May Concern:I have applied for a mortgage loan from “Mortgage Loan Originator” (MUFG Union Bank, N.A.). As part of theapplication process, Mortgage Loan Originator may verify information contained in my loan application and in otherdocuments required in connection with the loan, either before the loan is closed or as part of its quality control program.
I authorize you to provide to Mortgage Loan Originator, and to any investor to whom Mortgage Loan Originator may sellmy mortgage, any and all information and documentation that they request. Such information includes, but is not limitedto, employment history and income; bank, money market, and similar account balances; credit history; and copies ofincome tax returns.Mortgage Loan Originator or any investor that purchases the mortgage may address this authorization to any party namedin the loan application or disclosed by any consumer credit reporting agency or similar source.A copy of this authorization may be accepted as an original.Your prompt reply to Mortgage Loan Originator or the investor that purchased the mortgage is appreciated.
Notice to FHA or VA Borrowersl This is notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of Housingand Urban Development or Department of Veterans Affairs has a right of access to financial records held by financialinstitutions in connection with the consideration or administration of assistance to you. Financial records involving yourtransaction will be available to the Department of Housing and Urban Development or Department of Veterans Affairswithout further notice or authorization but will not be disclosed or released by this institution to another GovernmentAgency or Department without your consent except as required or permitted by law.
BROKER RELATIONSHIP DISCLOSURE (to be signed by applicant and mortgage broker)
You are using a mortgage broker to apply for a residential mortgage loan. To assist you in choosing the correct loan for your particular financial situation, your mortgage broker will provide you with rate and cost information for different loan options. Once you have selected a loan option, the mortgage broker will submit your application for a residential mortgage loan to a participating lender with which the mortgage broker has an agreement to submit such loans. The mortgage broker will not fund your loan. Certain lenders have asked that this form be furnished to you to clarify the role of mortgage brokers. This form supplements other disclosures or agreements required by law that you should receive from the mortgage broker concerning your loan application.
NATURE OF APPLICANT/MORTGAGE BROKER RELATIONSHIP (In connection with your mortgage loan)
• The mortgage broker may have agreements to broker loans to various lenders.
• While the mortgage broker seeks to assist you in meeting your financial needs, he/she does not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.
• If you are unsure of the nature of your relationship, please ask your mortgage broker for clarification.
LOAN OPTIONS
• The mortgage broker must provide you with loan options for each type of transaction in which you have expressed an interest.
• Loan options should include the following: (a) loan with lowest interest rate; (b) loan with lowest interest rate that has no “risky features1”; and (c) loan with lowest total dollar amount of discount points, origination points or origination fees.
• The mortgage broker must have a good faith belief that you can qualify for the loan options presented.
• If you requested to see both Fixed and ARM loan options, you should receive separate loan options for each. If you are unsure of the terms that have been offered to you, please ask the mortgage broker for clarification prior to signing the application for the loan option you have chosen.
THE MORTGAGE BROKER’S COMPENSATION
• The mortgage broker’s compensation may be paid ONLY by the lender or ONLY by you (the borrower), but not
BOTH.
• In some cases if you do not want to pay the mortgage broker’s compensation, the lender will pay the mortgage broker’s compensation and this will result in a higher interest rate that you will pay.
• In other cases, if you want a lower interest rate, you will pay the mortgage broker’s compensation, and possibly points to the lender for the lower interest rate. A point is one percent (1%) of the loan amount.
• You may work with the mortgage broker to select the method in which the mortgage broker receives its compensation depending on your financial needs, and subject to the lender’s program requirements and credit underwriting guidelines.
• The mortgage broker cannot collect any fees, except for a credit report fee, before you have received the Loan Estimate relating to your transaction.
LOAN ESTIMATE
• The amount of fees and charges that you pay to your mortgage broker and lender in connection with your loan are
reflected in the “Loan Costs” Table, Section A. “Origination Charges” on your Loan Estimate. The final amounts will be disclosed on your Closing Disclosure’s “Loan Costs” Table.
1 Regulation Z Section 1026.36(e)(3)(i)(B) defines a loan with the lowest interest rate that has no “risky features” as, “The loan with the lowest interest rate without negative amortization, a prepayment penalty, interest-only payments, a balloon payment in the first seven years of the life of the loan, a demand feature, shared equity, or shared appreciation; or, in the case of a reverse mortgage, a loan without a prepayment penalty, or shared equity or shared appreciation.”
By signing below, both applicant(s) and mortgage broker acknowledge that each has read and understands the information provided above. Further, mortgage broker attests to compliance with the anti-steering provisions in the Truth in Lending Act and implementing Section1026.36(e) of Regulation Z, and has presented the appropriate loan options to the applicant(s) prior to accepting the loan application and confirming the applicant’s(s’) intent to proceed with the transaction.
Applicant Printed Name Broker Company Name
Applicant Signature Date *Broker Printed Name
Applicant Printed Name Broker Signature
Applicant Signature Date
*This is the printed name and signature of the person completing the form on behalf of the Mortgage Company.
No Up Front Fees Certification
CERTIFICATION THAT NO FEES HAVE BEEN COLLECTED EXCEPT AS ALLOWED UNDER REGULATION Z
NOTE: If Mortgage Broker cannot certify the facts below, this application may not be submitted to UnionBank.
On behalf of the Mortgage Broker listed below, I certify that either of the following is true and correct:
• Mortgage Broker has not collected and will not collect any fees (other than a credit report fee), directly orindirectly, in any manner, or through an agent, from the applicant until the mortgage broker has providedthe consumer the early disclosures required by Regulation Z and the consumer has provided their intent toproceed with the transaction.
Or,
• Mortgage Broker has submitted this application to another creditor and has collected fees from the applicantin accordance with Regulation Z for that prior submission. Mortgage Broker will not collect any additionalfees, directly or indirectly, in any manner, or through an agent, from the applicant until the mortgagebroker has provided the consumer the early disclosures required by Regulation Z and the consumer hasprovided their intent to proceed with the transaction.
___________________________________________ ________________________________________ Mortgage Broker Company Name Date
RLO – form Appraisal Delivery Waiver Rev. 11/26/2018
Date:
Applicant:
Lender: Union Bank
Appraisal Delivery Waiver Under federal law, you are entitled to receive a copy at least three (3) business days prior to the closing of your loan of every appraisal or other written valuations (collectively, “appraisals”) that we obtain on your behalf concerning your subject property.
To avoid the possible postponement of your closing date due to delays in the delivery of your appraisals, you may waive your right to receive your appraisals at least three (3) business days prior to your closing date.
Waiver I wish to waive my right under the Equal Credit Opportunity Act and Regulation B to receive appraisals at least three (3) business days prior to the closing of my loan.
By signing below, I acknowledge the following:
1) I understand that I have the right to receive a copy of the appraisal reports obtained in connection with my loan application three (3) or more business days prior to my loan closing,
2) I am requesting a waiver of the 3 business day review period prior to closing, and
3) I understand that, regardless of whether I sign this waiver, I will receive a copy of the appraisal reports at or before closing.
Applicant Signature Date
Broker Request UB 2nd Flex Equity Terms Rev. Oct 2020
Union Bank Loan Number:______________________________________________
New UB 2nd FlexEquity Request – Borrower to confirm the draw amount (not to exceed the full line amount).
Draw Amount: ___________________________ o If the draw amount is not provided, Union Bank will disclose the full line.o Any changes to the full line amount must be submitted via the Broker Change Request form.
FlexEquity Product and Payment Options: Choose 1 option
1. Variable RatePrincipal and Interest Option – Computed on the line amount based on a variable rate based on a 30-year payment. Note: This option is Required if TLTV exceeds 75%.
Interest-Only Payment Option – Computed on full line amount using a variable rate. Note: This option is not available if the TLTV exceeds 75%
2. 7-year Fixed Interest Only I/O for the initial fixed rate period for 84 months; then variable PITA for the remaining 36 months. Note: This product is not available if the TLTV exceeds 75%
Note: Fully Amortized/Fixed Rate Payment Option available after Closing - Payment is on a designated rate, amortized over 240 months. Borrower must contact Union Bank Loan Servicing to select this payment option after closing. (Not available on the 7yr fixed Interest only.)
Payment Date – The borrower can select the first payment date from the 1st to the 28th of the month.
Payment will be made on the day of the month, or the first business day thereafter. Note: If the payment date is left blank, we will choose the 1st or the 15th whichever is closest to 30 days from the funding date.
Optional Rate Discounts:
1. Auto Pay: Choose 1 OptionReceive 0.25% discount with automatic payments from a Union Bank checking or savings account.
Auto Pay from a Union Bank checking or savings account
Auto Pay from a NON-Union Bank checking or savings account
No Auto PayNote: The Home Equity Auto Pay Authorization Form is required Prior to Docs. Auto Pay Form
2. Union Bank Relationship Discounts – Choose 1 Option
None or Standard Priority Banking Customer Private Bank Customer ** To qualify for a Priority Banking or Private Bank Relationship Discount on a FlexEquity line of credit, the Priority Checking account or Private Bank Relationship must be opened prior to docs being drawn (PTD). Private Bank Relationship Discounts must be validated by Private Bank leadership through the formal approval process. Note: Priority Bank and Auto Pay discounts may be combined.
HELOC related fees: Choose 1 Option The borrower must elect one of the two payment options below:
Charge applicable third-party fees to new Flex Equity account Or
Pay applicable third-party fees in cash at closing
___________________________ __________________ __________________ ________________ Completed by (Broker Contact) Phone Number Fax Number Confirmation Date
Note: This form is required at the time of submission if Borrower Paid Broker Compensation is selected
regardless if pricing is locked or floating.
Borrower Name: ___________________________ Union Bank Loan No.:_________________________
Broker to select one of the following that details the calculation method of borrower paid broker Compensation used to disclose under section A. Origination Charges on the initial Loan Estimate:
_______% of the loan amount. Union Bank to adjust the borrower paid broker compensation if any changes are made to the loan amount. Note: The maximum borrower paid compensation is two (2) points.
$_____________ flat amount borrower paid broker compensation. Union Bank will not adjust this flat amount if any changes are made to the loan amount and the amount does not exceed the maximum two (2) points.
Broker confirms election of borrower paid broker compensation pricing and elects not to collect any compensation paid by the borrower.
On behalf of the Mortgage Broker listed below, I certify that the following is accurate in regard to the Borrower Paid Broker Compensation elected pricing and acknowledge that no amount of compensation will be paid to the broker by lender, Union Bank.
______________________________________ ___________________________________ Mortgage Broker Company Name Date
Home Loans Relationship Pricing (HLRP) Program Terms and Conditions – Brokered Loans
In order to qualify for the Home Loans Relationship Pricing Program for a mortgage loan submitted through a mortgage loan broker, a borrower must meet all of the following requirements:
• Have Eligible Combined Balances, as defined below, with specified minimumbalances with MUFG Union Bank, N.A., (“Union Bank”), including PurePoint®Financial (“PurePoint”) and/or Union Bank’s brokerage and investment advisorysubsidiary, UnionBanc Investment Services (“UBIS”);1
• Be approved for and close on an eligible Union Bank portfolio home purchasemortgage or refinance loan2 on a primary residence or second home within UnionBank’s geographic lending footprint3; and
• Establish an automatic payment for the new mortgage loan from a Union Bankdeposit account (described in more detail below).
The Discount
If a borrower qualifies for the Home Loans Relationship Pricing Program, the interest rate discount (“Rate Discount”) is based on the amount of Eligible Combined Balances at the time of loan closing loan as set forth in the table below:
Eligible Combined Balances
Rate Discount
$250k-$499k .250%
$500k-$999k .375%
$1mill+ .500%
The Rate Discounts noted above will be reduced on a refinance of an existing Union Bank mortgage loan by 0.125%.
The Rate Discount is set at the time of loan closing and is based on the amount of Eligible Combined Balances at that time. Once the loan closes with the Rate Discount, an increase in Eligible Combined Balances will not result in a greater Rate Discount on the mortgage loan.
9.18.2020
9.18.2020
If the mortgage loan is an adjustable-rate mortgage (“ARM”), the Rate Discount will be applied to the note rate during the fixed-rate period of the loan. After the fixed-rate period of the loan expires, the interest rate on the loan will adjust to the fully indexed rate (index plus margin) as specified in the note.
Your Mortgage Broker will inform you of the type of mortgage loan you qualified for and the level of discount that applies.
Eligible Combined Balances
“Eligible Combined Balances” are eligible deposit and/or investment account balances that are maintained with Union Bank, including PurePoint, and/or UBIS (“Eligible Entities”). Only personal accounts are eligible; business accounts are not eligible. Non-occupying co-borrower assets are not eligible on primary residence transactions. Eligible Combined Balances may include balances of assets maintained at the Eligible Entities and managed by Union Bank where Union Bank is appointed as (a) trustee for a personal trust; (b) agent for purposes of investment advisory and management services; and (c) custodian for investment assets.
For an account to be included in determining the Eligible Combined Balances, the account must be held in the name of one of the following:
(i) A natural person who is a borrower or co-borrower on the Note(ii) Personal trusts, where a natural person is the borrower or co-borrower on the Note and is atrustee or beneficiary of the personal trust(iii) Non-operating LLC/LP wholly owned by a borrower or co-borrower on the Note.
Automatic Payment and Deposit Products
As indicated above, in order to be eligible for the Home Loans Relationship Pricing Program, the borrower must establish an automatic payment for the mortgage loan. The automatic payment must be from the borrower’s personal deposit account held at Union Bank. Business accounts are not eligible.
Additional Terms and Conditions • These Terms and Conditions are effective for qualifying mortgage loans with lock dates on
or after 3/30/2020 and replaces prior versions. Loans subject to credit and collateralapproval. Not all loan programs are available in all states for all loan amounts. Restrictionsmay apply. Terms and conditions subject to change.
“I have read, understand, and accept the terms and conditions above.”
Signature: Date:
9.18.2020
1 Investment management services offered by MUFG Union Bank, N.A. in conjunction with its subsidiary, HighMark Capital Management, an SEC-registered investment adviser. Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A. Non-deposit investment products: • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.
2 The Rate Discount is available for loan amounts from $510,401 up to $5,000,000 on eligible properties for the following Portfolio loan products: Jumbo Portfolio Fixed-Rate Mortgage (FRM) Loans; Jumbo 5/1, 7/1, & 10/1 Fully Amortizing ARMs; and Jumbo 5/1, 7/1, & 10/1 Interest-Only ARMs. See your broker for further details. 3 The mortgage loan must be secured by a residential property located in A Z , CA, IL, NV, OR, WA. Qualifying for the Home Loans Relationship Pricing Program is not a mortgage loan approval nor a commitment to lend.
Deposit products offered by MUFG Union Bank, N.A., such as checking accounts and CDs, are FDIC insured within permissible limits. Wills, trusts, foundations and wealth planning strategies have legal, tax, accounting and other implications. Clients should consult a legal or tax adviser.
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Union Bank Wholesale Upload Documents to the GDR
UPLOAD DOCUMENTS TO THE GLOBAL DOCUMENT REPOSITORY (GDR)
Follow the steps below to upload documents to the GDR:
S TEP ACTION
1 Click on the Global Document Repository (GDR) icon, which is located in the upper right-hand corner above the Conditions tab, to open the Document Upload window.
2
a. Scroll to the appropriate folder and click on it.
Note: A red circle will appear around the selected folder.
b. Click the Browse icon to browse to the location of the document to upload.
Note: You may combine multiple docs in one upload however, maximum file size is 64MB, and file must be .pdf format.
c. Click on the document. d. Click Upload.
Note: The document will be viewable in the Load Documents grid below.
icon
3 a. To view a document, use the scroll bar at the bottom of the Loan Documents grid to scroll to the right. b. Click on the Download icon, which will open the document in the .pdf viewer.
1
Residential Lending Learning and Development, June 8th 2018
