Example Mortgage Documents

Example Mortgage Documents

The mortgage process involves a sea of paperwork that can be highly overwhelming.  In many cases you are asked to review and sign documents without really understanding their content.  It would take hours to properly read all of the legal and loan documents you are provided over the course of the mortgage process and you may be short on time as you seek to close your loan.  Not fully reviewing these documents increases the chances you miss a mistake on your mortgage or end of with a different loan than you expected.

In an effort to help you better understand the documents you are required to review and sign, we provide a comprehensive list of example mortgage documents below. Click on a document to review the information it contains, its purpose in the mortgage process and to learn what you should focus on when you review your actual loan documents. While our example mortgage documents are for informational purposes only they help you prepare for the numerous documents you come across when you get a mortgage.

Example Mortgage Documents
Detailed overview and examples of key mortgage documents
Mortgage ProgramsExample Mortgage Application

Review an example Mortgage Application, also referred to as a Universal Residential Loan Application (URLA). The application focuses on your financial profile and employment history

Mortgage ProgramsExample Loan Estimate

Review an example Loan Estimate that outlines the estimated key terms of a mortgage including interest rate and closing costs.  The lender must provide a Loan Estimate to you within three days of you submitting your loan application

Mortgage ProgramsExample Lender Fees Worksheet

Review an example Lender Fees Worksheet which provides a detailed breakdown of mortgage costs and expenses. Although the lender is not legally required to provide you with the fees worksheet, it should provide it to you if requested

Mortgage ProgramsExample Closing Disclosure

Review an example Closing Disclosure that outlines the final, actual terms of the mortgage including interest rate, closing costs and mortgage features.  The lender must provide the Closing Disclosure at least three business days prior to your mortgage closing

Mortgage ProgramsExample Offer to Purchase

Review an example Offer to Purchase, the document that outlines the key terms of your proposal to purchase a property

Mortgage ProgramsExample Appraisal Report

Review an example appraisal report which provides a comprehensive analysis of the value of the home you are seeking to purchase or refinance

Mortgage ProgramsExample Title Report

Review an example Title Report, which is the document issued by a title company or attorney that verifies the legal ownership of a property and identifies any recorded property liens or easements.

Mortgage ProgramsExample Mortgage Note

Review an example Mortgage Note which is the document that outlines the key terms of the mortgage and indicates the borrower's promise to repay the debt.  You should always carefully review your Mortgage Note so you understand your loan terms

Mortgage ProgramsExample Deed of Trust

Review an Example Deed of Trust which is the document used in many Southern states in place of a mortgage to indicate that there is a promissory note (debt) on a property

Mortgage ProgramsExample Grant Deed

Review an example Grant Deed which is the legal document recorded by the county government that conveys property ownership

Mortgage ProgramsExample Deed of Reconveyance

Review an example Deed of Reconveyance which is the document provided by a lender that indicates that the borrower is released from his or her mortgage debt and that lender no longer holds a lien against the property

Mortgage ProgramsExample First Payment Letter

Review an example First Payment Letter, which is the document provided by your lender when you close your mortgage that notes your monthly mortgage payment, when the payment is due and where to send the payment

Mortgage ProgramsExample Qualified Mortgage Scorecard

Review an example Qualified Mortgage Scorecard, which is the form that determines the borrower’s ability to repay the mortgage based on certain government guidelines

Mortgage ProgramsExample VA Loan Analysis Form

Review an example VA Loan Analysis form which is the document that determines applicants ability to qualify for a VA mortgage based on their residual income

Mortgage ProgramsExample Good Faith Estimate

Review an example Good Faith Estimate, which was the document lenders were required to provide to you when you submitted your loan application that outlined of the key mortgage terms.  The Good Faith Estimate is no longer used in the mortgage process and was replaced by the Loan Estimate.

Mortgage ProgramsExample Truth-in-Lending Statement

Review an example Truth-in-Lending Statement which was a standardized form provided by the lender that presents detailed information about mortgage costs and features, including the APR and finance charge.  The Truth-in-Lending Statement is no longer used in mortgage lending

Mortgage ProgramsExample HUD-1

Review an example HUD-1, which was a standardized form provided by the closing agent at least one day prior to the closing of the mortgage that lists the final, actual terms and costs of a mortgage.  The HUD-1 is no longer used in the mortgage process and was replaced by the Closing Disclosure