Selling Guide

Published April 07, 2021

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What are the requirements for the loan application package?

Requirements for the Loan Application Package

The table below provides the requirements for the loan application package.

The loan application package must include …
  A copy of the ratified sales agreement, if applicable.
  Escrow/closing or settlement instructions, if applicable.
  Any other information or documentation used to verify, clarify, or substantiate information in the borrower’s application.
  All other documentation that was used to make a prudent underwriting decision, including (but not limited to) the credit report, property appraisal and inspection reports, and project documents.

Note: Any available technology may be used to produce copies of the documents in the mortgage loan file, such as a photocopier, facsimile machine, document scanner, or camera. Copies of documents provided by the borrower may be photos or scanned versions of the original documents and can be delivered to the lender in hardcopy or via email or other electronic means.

See Section A2-4.1, Establishment, Ownership, and Retention of Loan Files and Records for additional information about the loan file.

For additional information, see B1-1-01, Contents of the Application Package.

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