Consumer

• Notice to Cosigner

Informs the Cosigner that they are liable for the debt if the borrower does not pay.

• Adverse Action Notice

Given to members for a loan denial, termination or change.

• Payment In Full Letter

Payment in Full Letter showing a debt is paid off.

• Closing Worksheet

Loan Closing worksheet to describe the transaction and what is needed to close.

• Loan Application

Consumer Loan Application, long form.

• Post Loan Transactions

For actions taken after the loan has been disbursed.

• Open End Line of Credit

Open End Loan Plan for Consumer Lending.

• Advance Voucher and Security Agreement

Open End Advance Voucher for disclosing Reg Z terms for each advance.

Home Equity

• Verification of Deposit

Verify your member's deposits at other financial institutions.

• Verification of Employment

Verify your member's employment status, salary and seniority.

• Settlement Statement

New HUD-1a approved by the Secretary of Housing and Urban Development for use when there is no Seller. For use for refinancing. We also have forms for transactions with sellers (HUD-1)

• Good Faith Estimate

Required by the federal Real Estate Settlement Procedures Act to provide the member with a good faith estimate of the fees due at closing within three days of applying for a loan.

• Right To Cancel

The right of a consumer to nullify a contract within three business days of signing it without paying a penalty or down payment.

• Termination Statement

Attach this to your payoff check to discharge your lien on a vehicle.

• Fixed Rate Multistate HE Note

Fannie Mae approved Fixed rate multi-state real estate note.

• Promissory Multistate HE Note

Fannie Mae approved multi-state real estate note.

• Uniform Residential Loan Application

Fannie Mae approved Residential Loan Application.

• Uniform Residential Loan Application - Spanish version

Fannie Mae approved Residential Loan Application in Spanish.