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Example Mortgage Documents

The mortgage process involves a sea of paperwork that can overwhelm borrowers. The FREEandCLEAR example mortgage documents highlight some of the more important documents you will review (and in some cases sign) during the mortgage process. While our example mortgage documents are for informational purposes only they are helpful for borrowers trying to make sense of the flood of paperwork they face when obtaining a mortgage.


Example Mortgage Documents

Detailed overview and examples of key mortgage process documents
  • Appraisal Report
    • A comprehensive analysis of the value of the home you are seeking to purchase or refinance

  • Loan Estimate (LE)
    • A lender must provide the borrower a Loan Estimate (LE) that outlines the estimated key terms of a mortgage including interest rate and closing costs, within three days of the borrower submitting a loan application

  • Closing Disclosure (CD)
    • A lender must provide a Closing Disclosure (CD) to the borrower that outlines the final, actual terms of the mortgage including interest rate, closing costs and mortgage features at least three business days prior to the mortgage closing

  • Truth-in-Lending Statement
    • A standardized form provided by the lender at the time the borrower submits a loan application that presents detailed information about mortgage costs and features, including the APR and finance charge

  • Qualified Mortgage (QM) Scorecard
    • A form that determines the borrower’s ability to repay the mortgage based on government guidelines

  • Title Report
    • A report issued by a title company or attorney that verifies the legal ownership of a property and identifies any recorded property liens or easements

  • Offer to Purchase
    • A document that outlines the key terms of your proposal to purchase a property

  • Mortgage Note
    • Document that outlines the key terms of the mortgage and indicates the borrower's promise to repay the debt

  • Loan Application (Form 1003)
    • Lenders require a borrower to submit an application, also referred to as a Form 1003, when applying for a mortgage. The application focuses on the borrower's financial profile and employment history

  • Lender Fees Worksheet
    • 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

  • HUD-1
    • 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, including the interest rate, points and all one-time expenses

  • Grant Deed
    • The legal document recorded by the county government that conveys property ownership

  • Good Faith Estimate (GFE)
    • According to federal law, a lender must provide a Good Faith Estimate (GFE) of the key terms of a mortgage including interest rate and closing costs, at the time the borrower submits a loan application

  • First Payment Letter
    • Letter provided by lender when you close your mortgage that notes your monthly mortgage payment amount, when the payment is due and where to send the payment

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

  • Deed of Reconveyance
    • Document provided by a property seller’s lender indicating that the seller is released from his or her mortgage debt and that lender no longer holds a lien against the property

  • VA Loan Analysis
    • Document that determines a borrower’s ability to qualify for a VA mortgage


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