eFolder Document Reference

1004D/442 completion certs and appraisal updates.

Appraiser license/certification copies.

Screenshots of the appraisal delivery email sent to the borrower - proof of appraisal receipt or waiver kept for compliance (replaces Appraisal: Other). The borrower's signed acknowledgement goes in Acknowledgement of Receipt of Appraisal.

Fannie Mae Collateral Underwriter reports and findings.

Appraisal invoices from the AMC or appraiser.

All appraisal review products: second appraisals, CDAs, desk reviews, and field reviews ordered to support value. Standalone AVMs can also go in AVM.

UCDP SSRs from Fannie and Freddie with CU scores.

Printed transaction histories that bridge statement gaps or source deposits, for any asset account type. The printout must show the URL (plus account holder and account number) to be acceptable documentation.

1031 exchange packages: exchange agreement, accommodator ledger, and related contracts.

Access letters confirming the borrower can draw on jointly held or business accounts.

Personal bank and brokerage statements (all pages) for funds to close and reserves. Business statements go in Income: Business Bank Statements; retirement accounts in Assets: Retirement Account.

Cancelled checks tied to asset movement - earnest money clearing, transfers between accounts.

Proof of certified funds to close: cashier's check copies and wire confirmations matching final figures.

CPA letters on the use of business funds for closing. CPA income letters go in Income: CPA Letter.

Escrow's receipt for the earnest money deposit.

The gift donor's account statement showing ability to give and the withdrawal.

Signed gift letters, one per gift, with amount, relationship, and no-repayment language.

Proof the gift moved: wire receipts, deposit slips, and matching statements for donor and borrower.

Asset documents with no predefined folder. If a specific Assets folder exists for the item, use it instead.

Retirement account statements: 401(k), 457, IRA, TSP. Terms-of-withdrawal documents have their own folder.

Plan documents showing the terms under which retirement funds can be withdrawn.

CalHFA approvals/commitments for the program loan.

Signed CalHFA borrower affidavits. The combined affidavit-and-certification version has its own folder.

Signed CalHFA borrower affidavit and certification combos.

Recorded deeds of trust for CalHFA subordinate liens.

Dream For All shared appreciation education certificates.

CalHFA program disclosure packages for first and subordinate loans.

CalHFA homebuyer education certificates. Generic program certs go in Misc: Homebuyers Education Cert.

Promissory notes for CalHFA subordinate loans.

CalHFA documents with no predefined folder.

CalHFA ZIP program interest rate disclosures.

All bankruptcy paperwork for any chapter: petition, schedules, discharge order, and dismissal documents.

Clear LDP/GSA (SAM) exclusion search results for all transaction parties.

Signed borrower credit authorizations.

Signed co-borrower credit authorizations.

Divorce decrees, including the pages showing support obligations and debt assignment. Legal separation agreements have their own folder.

Driver's licenses and state IDs for each borrower. Passports go in Credit: Passport; EADs and green cards have their own folders.

Employment Authorization Documents (EADs) from USCIS. Green cards and visas go in Credit: Permanent Resident Alien Card/Visa.

The HUD-1/CD from the sale of the borrower's departing residence - estimated versions until the final arrives, then the final.

IRS installment agreements and proof of the plan payment for federal tax debt. Proof taxes were paid in full goes in Income: Proof of Paid Taxes.

Borrower LOEs that specifically resolve address discrepancies between the credit report and application.

Borrower LOEs that specifically address credit inquiries and whether new debt was opened.

Net tangible benefit forms/worksheets for refinances. VA-specific NTB documents go in the VA folders (Cash Out NTB, Rate Reduction Cert).

Credit reports pulled for a non-borrowing spouse (community property states, FHA/VA). Borrower reports go in Credit Report.

Credit documents with no predefined folder. If a specific Credit folder exists for the item, use it instead.

Borrower passports used as photo ID or proof of citizenship.

Payoff/demand statements for mortgages and liens being paid through closing. Non-mortgage payoffs go in Credit: Payoff/Statements for Non Mortgage Accounts.

Payoff statements or current statements for non-mortgage debts being paid off or verified (auto, cards, student loans). Mortgage payoffs go in Credit: Payoff Statement.

Green cards, visas, and other USCIS residency documentation. Work-authorization-only documents go in Credit: Employment Authorization Document.

PITIA support for the other (non-subject) properties the borrower owns: mortgage statements, tax bills, insurance decs, and HOA bills. The subject property's statement goes in Property: Mortgage Statement for Subject Property.

Proof of rent payments: cancelled checks, bank statements, or ledger/payment histories covering the verification period.

Legal separation agreements. Final divorce decrees go in Credit: Divorce Decree.

Short sale, foreclosure, deed-in-lieu, forbearance, and modification paperwork - approval letters, final statements, and anything establishing event dates for waiting periods.

Social Security cards for any borrower.

SSA-89 verification results confirming the SSN is valid. The signed SSA-89 authorization itself can be filed here with the results.

Statements for open 30-day charge accounts (Amex and similar) showing the balance that must be paid in full monthly.

Supplements issued by the credit bureau/vendor updating balances, statuses, or tradelines. The underlying report stays in Credit Report.

Signed undisclosed debt forms - the standalone Undisclosed Debt Form folder is preferred (this one can be used too; consolidation decision pending).

Verifications of Mortgage (VOMs) from servicers for any property the borrower owns.

Escrow approval documents accepting closing conditions and instructions.

Escrow balancing docs reconciling figures for clear-to-close.

Combined buyer/seller estimated closing statements from escrow.

Escrow items flagged for correction and the corrected versions.

Funding balancing worksheets reconciling final figures at funding.

10-year structural warranties for FHA new construction.

FHA Connection 203(k) purchase printouts.

Signed FHA 203(k) borrower acknowledgements.

FHA 203(k) identity of interest certifications.

203(k) consultant work write-ups with specs and cost estimates.

Contractor and borrower cost estimates for the 203(k) scope.

Executed 203(k) homeowner-contractor agreements.

HUD 9746-A draw requests against the 203(k) escrow.

203(k) rehabilitation loan riders to the security instrument.

Approved 203(k) self-help agreements.

Executed 203(k) rehabilitation loan agreements.

Signed FHA amendatory clauses. The VA escape clause goes in VA: Amendatory Clause.

FHA Connection appraisal logging printouts.

FHA appraised value disclosures to the borrower.

FHA assumption notices.

FHA blanket signature authorizations. The QC copy folder is QC: FHA Blanket Signature Auth - use one location consistently.

FHA new-construction building permits and certificates of occupancy.

CAIVRS printouts for FHA files. VA CAIVRS goes in VA: Caivrs.

FHA case number assignment printouts from FHA Connection. Streamline case + refi auth combos go with the refinance authorization.

FHA Connection case query printouts showing case status and holds.

FHA condo approval evidence: approved-list printouts or single-unit approvals. VA condo approvals go in VA: Condo Approval.

FHA homeownership counseling certifications.

Responses resolving FHA-flagged discrepancies (case data, appraisal issues).

HUD-1 settlement statements on FHA files (pre-TRID/exempt).

HUD-1A settlement statements (no-seller transactions).

HUD-1ES initial escrow account disclosures on FHA files.

HUD-314 203(k) escrow commitments.

HUD-54114 direct endorsement approval documents.

HUD-56001 Title I property improvement applications.

HUD-92051 compliance inspection reports.

HUD-92300 mortgagee assurances of completion for post-closing escrow items.

HUD-92541 builder's certifications for FHA new construction.

HUD-92544 warranties of completion for FHA new construction. The VA 26-1859 warranty goes in its VA folder.

HUD-92561 hotel and transient use certifications for multi-unit FHA.

HUD-92564-CN home inspection disclosures.

HUD-92564-HS homebuyer summaries.

HUD-92564-VC valuation condition notices.

HUD-92700 203(k) maximum mortgage worksheets.

Signed HUD-92700-A 203(k) acknowledgements (FHA files). The conventional renovation copy goes in Property: Renovation - Borrowers Acknowledgement.

HUD-92800.5B conditional commitments/statements of appraised value.

Final signed HUD-92900-A addendums (closing package version).

Initial signed HUD-92900-A addendums (application package version).

HUD-92900-B notices to homebuyers.

HUD-92900-LT FHA Loan Transmittals from underwriting.

HUD-92900-PUR MCAW purchase worksheets.

HUD-92900-WS MCAW refinance worksheets.

HUD settlement cost booklets provided at application.

FHA identity of interest certifications (buyer/seller relationships).

FHA informed consumer choice disclosures.

FHA Connection insurance application printouts for endorsement.

Late endorsement letters certifying payments current at late submission.

FHA engineer's foundation certifications for manufactured homes.

FHA maximum loan amount worksheets.

The FHA Mortgage Insurance Certificate (MIC). Conventional MI certs go in Mortgage Insurance.

Copies of the note and deed from the existing FHA loan on streamlines.

FHA refinance authorization/netting printouts for streamlines.

Escrow-signed FHA settlement certifications.

FHA streamline net tangible benefit worksheets.

NPCA/NPMA-99a and 99b termite soil treatment forms for FHA new construction. VA termite forms go in VA: Termite NPMA-99a and NPMA-99b.

Settlement service provider lists issued with the LE.

Disclosure packages for the concurrent 2nd lien (its LE and program disclosures).

Executed loan documents for the concurrent 2nd: note, deed, riders.

Concurrent-2nd documents with no predefined folder.

4506-T orders and results processed through the settlement-services vendor. Borrower-signed 4506 forms go in Income: IRS 4506T.

Servicing/accounting pay histories showing payments received and applied on the loan.

Signed borrower acknowledgements of appraisal receipt (or waiver of the 3-day delivery period). The screenshot of the appraisal delivery email goes in Appraisal: Borrower Receipt or Waiver.

Adverse action/decline notices issued on the application. QC copies of denial statements go in QC: Statement of Denial.

The appraisal report (1004/1073/etc.) with all exhibits. Reviews, second appraisals, SSRs, invoices, and the appraiser license each have their own folder.

Appraisal disclaimer printouts from the appraisal delivery system.

Standard ARM disclosures (index, margin, caps, adjustment schedule). Program-specific versions go in ARM Program Disc.

Program-specific ARM disclosures for the selected ARM product.

Standalone AVM reports. For VA files, use VA: AVM from Core Logic instead.

Approval packages signed/acknowledged by the borrower.

Final executed temporary buydown agreements - use this folder (Misc: Temporary Buydown Agreement can be used too; consolidation decision pending).

Initial temporary buydown agreements from application - use this folder (Misc: Temporary Buydown Agreement can be used too; consolidation decision pending).

California privacy policy disclosures. The federal GLBA privacy notice goes in QC: Privacy Policy.

COC documentation supporting a revised CD: what changed and the reset dates. QC copies also live in the QC change-of-circumstance folders.

The final CD, every issued version leading to consummation. Seller-only and alternate-format CDs have their own folders.

Alternate-format CDs used on no-seller transactions (refinances).

Seller-only CDs.

Mavent/compliance engine reports with pass-fail results.

All borrower credit reports: tri-merge, prequal/soft pulls, and re-issues. Supplements go in Credit: Supplements; a non-borrowing spouse's report goes in its own folder.

Doc prep vendor records for the closing package.

All general borrower letters of explanation - credit, income, asset, or any other underwriting question (replaces the old Credit/Income/Assets LOE and LOE(s) folders). Purpose-specific LOE folders (credit inquiries, address discrepancies, VA occupancy) still take their own letters.

LOEs and supporting docs bundled with the initial underwriting submission. Standalone LOEs go in Document: LOE.

Documents gathered for borrower signature at closing: 4506s, LOEs, undisclosed debt forms, tax return signature pages.

General escrow/closing correspondence and documents produced in the closing process.

Flood zone determination certificates. The life-of-loan monitoring contract goes in Flood Service; actual flood policies go in Property: Evidence of Flood Insurance.

Life-of-loan flood monitoring documentation tied to the determination.

Fraud report orders and summary results. The full detailed report goes in Fraud: Fraud Report.

LOEs and documentation resolving credit report fraud alerts, active-duty alerts, and freezes.

Fraud/audit vendor reports screening parties and data. The primary fraud report folders are Fraud and Fraud: Fraud Report.

The full third-party fraud report with alerts and their resolution.

GFE ZIP compliance printouts (legacy disclosure system).

GSFA down-payment-assistance program disclosures.

Executed hold harmless agreements.

Replacement cost estimators supporting dwelling coverage adequacy.

Investor submission sheets and stacking orders for loan delivery.

Lender submission packages delivering the file for review.

Underwriter-executed loan analyses (general). VA loan analyses go in the VA folders.

The borrower-executed loan document set from closing.

Loan Estimates - every issued version. The alternate no-seller format has its own folder; QC initial-LE copies go in QC: LE - Intial.

Alternate-format Loan Estimates for no-seller transactions.

Closing package copies for servicing/marketing transfer.

Deed copies for servicing/marketing transfer.

Servicing transfer introduction/goodbye letters.

Note copies for servicing/marketing transfer. Originals go in Legal: Note or the collateral package.

MERS registration confirmations with the MIN.

MI certificates and quotes returned from running the Encompass MI service. The FHA MIC has its own folder (FHA: MIC).

Notary certifications and acknowledgement pages.

Cover letters for post-consummation corrected CDs.

Pre-qual and pre-approval letters issued to the borrower.

Buy-side price tables from lock.

Lock request price tables.

Sell-side price tables from investor commitment.

Product and pricing engine results.

Test placeholder - no loan documents should live here.

Test placeholder - no loan documents should live here.

Signature/name affidavits from closing (test/legacy naming - real affidavits can also file here).

TIL ZIP compliance printouts (legacy disclosure system).

The preliminary title report or commitment for the subject property. Updates go in Title: Supplement; the final policy goes in Title: Final Title Policy.

The AUS findings returned from running the automated underwriting service: DU, LPA, FHA TOTAL Scorecard, GUS - every run, including the final and any appraisal waiver/PIW findings. This is the AUS folder; the underwriter's approval certificate goes in Misc: Underwriting Approval.

Signed undisclosed debt forms for liabilities found during processing - use this folder (Credit: Undisclosed Debt Form can be used too; consolidation decision pending).

VA Form 26-0285 transmittal lists for the guaranty package.

VA Form 26-0286 loan summaries from underwriting.

VA Form 26-0503 federal collection policy notices.

VA Form 26-0551 debt questionnaires.

VA Form 26-0592 military checklists and statements of service.

VA Form 26-1802a addendums (unsigned/working copies). Signed initial and final versions have their own folders.

VA Form 26-1805 requests for determination of reasonable value.

VA Form 26-1820 loan disbursement reports post-closing.

VA Form 26-1843 CRVs establishing reasonable value.

VA Form 26-1880 COE requests. The issued COE goes in VA: Certificate Of Eligibility.

VA Form 26-6393 loan analyses from underwriting. The generic worksheet version goes in VA: Loan Analysis Worksheet.

VA Form 26-8261 certificates of veteran status requests.

VA Form 26-8923 IRRRL worksheets. Non-form-number IRRRL worksheets go in the Initial/Final IRRRL Worksheet folders.

VA Form 26-8937 verifications of benefits (funding fee exemption status).

VA Form 26-8978 borrower rights disclosures.

Final signed VA cash-out Type 1 comparison disclosures.

Initial signed VA cash-out Type 1 comparison disclosures.

Final signed VA cash-out Type 2 comparison disclosures.

Initial signed VA cash-out Type 2 comparison disclosures.

DD-214s and discharge paperwork for the veteran.

VA interest rate and discount disclosures.

Documents flagged for deletion - staging only, nothing here ships or counts as file documentation.

Documents excluded from the investor package - staging only, do not ship.

401(k) loan statements explaining payroll deductions on the paystubs.

Articles of incorporation/organization proving business formation and ownership.

Award letters for SSA, pension, disability, and retirement income showing gross amount and continuance.

Standalone business balance sheets. P&L-plus-balance-sheet packages go in Income: P&L/Balance Sheet.

Business bank statements - both for cash-flow verification and for bank-statement program income analysis.

The completed JMJ business narrative form for self-employed borrowers.

Business returns (1120, 1120S, 1065) with schedules; K-1s may be included with the returns here.

Cancelled checks supporting income items (support received, business income). Asset-related cancelled checks go in Assets: Canceled Checks.

Proof of child support received: cancelled checks, bank statements, or payment-app histories. Court orders establishing the support go with the divorce decree or separation agreement.

CPA letters supporting income or self-employment history. CPA letters about use of business funds go in Assets: CPA Letter.

The underwriter's final income calculation worksheet for the file. Program-specific worksheets (VA loan analysis, MCC income worksheet) go in their own folders.

Underwriter income worksheets by type: W-2, self-employed, and rental calculations.

Fully executed 4506-T/4506-C forms. The transcripts that come back go in Income: Tax Transcripts.

Fully executed IRS Form 8821 tax information authorizations.

Offer letters and employment contracts for future-employment qualifying.

K-1s from S-corps or partnerships. K-1s bundled inside business returns can stay with the returns.

Alternative income documentation for Non-QM programs: 1099-only packages, asset depletion calcs, WVOE-only, and similar. Bank-statement-program statements go in Income: Business Bank Statements.

Income documents with no predefined folder. If a specific Income folder exists for the item, use it instead.

P&L statements and balance sheets for self-employed businesses. A standalone balance sheet can also be filed in Income: Balance Sheet.

Paystubs for current or former employers covering the required period. Year-end paystubs go in Income: Year End Pay-Stub's.

Personal 1040 returns with all schedules for the years required. Signature pages go in Income: Signed Tax Returns if collected separately.

Proof that personal or business tax liabilities are paid or on an approved plan. The IRS installment agreement itself goes in Credit: IRS Installment Agreement.

Deposit records proving actual receipt of claimed income.

CPA or IRS confirmation that required returns were filed. Proof taxes were paid goes in Income: Proof of Paid Taxes.

RSU vesting schedules, grant awards, and stock price support for RSU income.

Separately collected signature pages for personal and business returns used in qualifying.

IRS transcripts of any type: W-2, 1040, record of account, and business transcripts.

Trust income support: trustee statements and proof of receipt. The trust agreement itself goes in Income: Trust Agreement.

The trust agreement establishing trust income. Trustee letters and receipts go in their own Income folders; a trust holding title goes under Title: Trust Agreement.

Trustee letters confirming distributions and continuance of trust income.

VA residual income analysis support: Paycheck City printouts, W-4s, and the residual/family support calculations.

Verbal VOEs completed by JMJ with current or former employers, including the pre-closing verbal.

W-2s for the tax years required. If W-2s were delivered inside a tax return package, the returns still go in Income: Personal Tax Returns.

Written VOEs (Form 1005) completed by the employer. Verbal verifications have their own folder.

Year-end paystubs used to reconcile annual earnings or document OT/bonus history.

Allonges endorsing the note to the investor/holder.

Amortization schedules for the loan.

The complete executed closing package from settlement.

Collateral packages for the custodian/warehouse: original note, allonge, certified deed.

Final recorded mortgages/deeds returned from the county with stamps. Pre-recording copies go in Legal: Recorded Mortgage.

First payment letters to the borrower.

Important Privacy Choices for Consumers notices (CA).

Initial escrow account disclosure statements (conventional files). The FHA HUD-1ES version has its own folder.

Executed promissory notes from closing. Servicing copies go in Marketing: Note.

Notices of right to cancel for rescindable refinances.

Legal/closing documents with no predefined folder.

Executed powers of attorney with lender/title approval for POA signings.

Investor purchase advices - use this folder (Misc: Purchase Advice can be used too; consolidation decision pending).

Recorded mortgage/deed copies at or before recording confirmation. The county-stamped final goes in Legal: Final Recorded Mortgage.

Riders to the note or security instrument (ARM, condo, PUD, 1-4 family).

Schedule A legal descriptions.

W-9s for transaction parties. Renovation contractor W-9s go in Property: Renovation - W9.

The third year of federal returns collected for MCC eligibility.

MCC borrower affidavits and program applications.

MCC certifications of no income for non-earning household members.

MCC household income worksheets against program limits.

MCC recapture tax notices to borrowers.

MCC documents with no predefined folder.

MCC reservation confirmations from the program administrator.

MCC seller affidavits.

MCC tax return affidavits.

Adverse action support filed under Misc. Primary adverse notices go in Adverse Notice.

Bailee letters from the warehouse bank.

Signed borrower certifications that the loan is for business purpose.

Conversation logs and contact histories exported for the file.

Copies of checks (earnest money, fees) filed under Misc. Asset-sourcing checks go in Assets: Canceled Checks.

Encompass disclosure tracking detail exports.

Encompass disclosure tracking snapshots.

Encompass disclosure tracking summaries.

Estimated transaction summary exports.

Homebuyer education certificates for program requirements. CalHFA-specific certs go in CalHFA: Homebuyer Education Cert; MCC in its folders.

Investor approvals confirming purchase conditions are met.

Investor commitments with purchase terms.

Investor rate lock confirmations. The borrower-side lock goes in Misc: Lock Confirmation.

Service invoices for the loan (appraisal, credit, title). Appraisal-specific invoices also live in Appraisal: Invoice.

Itemized fees worksheets.

Anything received that has no proper index - triage this folder and refile when possible.

Loan comparison worksheets showing options presented.

Loan submission sheets summarizing the file for submission. Investor-facing sheets go in Investor Submission Sheet.

Borrower rate lock confirmations. Investor-side locks go in Misc: Investor Lock.

Mortgage loan commitment letters with approval terms and conditions.

Funding condition lists from non-delegated investors.

Notices of servicing transfer with old/new servicer contacts.

Wet-signed borrower certification and authorization forms.

Investor purchase advices - Legal: Purchase Advice is the preferred folder (this one can be used too; consolidation decision pending).

Reverse search results on parties or property.

Signed temporary buydown agreements - the Buydown Agreement_Initial/_Final folders are preferred (this one can be used too; consolidation decision pending).

Broker/TPO notes accompanying wholesale submissions.

Post-closing trailing conditions: final recorded docs, final title policy tracking.

Underwriting approval certificates and conditions issued by the underwriter. AUS findings from running the service go in Underwriting.

USDA commitments filed under Misc. The primary USDA folder is USDA: Conditional Commitment.

Itemized contractor bids for renovation scope and cost.

Building permits for construction or renovation work. FHA new-construction permits also satisfy FHA: Building Permit/Cert of Occupany.

Building plans and specifications for construction/renovation.

Certificates of occupancy from the local jurisdiction. VA new-construction COs go in VA: Certificate of Occupancy.

Flood insurance policies and applications. The flood zone determination goes in Flood Certificate.

HO-6 walls-in policies for condo units.

Hazard insurance evidence for the subject: dec pages and binders with the mortgagee clause. Condo HO-6, master, and flood policies have their own folders.

HOA master/blanket policies for condo and PUD projects.

HOA dues statements for the subject property.

HOA governing document packages: CC&Rs, bylaws, articles, budgets/financials, and inspection reports.

Completed HOA certification questionnaires. Full governing documents go in Property: HOA Documents.

Recorded 433A permanent foundation filings for manufactured homes (CA).

Engineer's permanent foundation certifications for manufactured homes. The FHA-specific engineer cert goes in FHA: Manufactured Home Engineer's Certification.

HUD label and data plate documentation for manufactured homes.

IBTS verification letters for manufactured home HUD labels.

Manufactured-housing documents with no predefined folder.

Notes for mortgages on non-subject properties. The subject 2nd note/deed goes in Property: Note/Deed for 2nd Mortgage; closing notes go in Legal: Note.

The most recent mortgage statement for the subject property. Statements for all other properties the borrower owns go in Credit: Proof of PITI with the rest of the PITIA support.

The note and deed for concurrent or existing subordinate financing on the subject property.

Property documents with no predefined folder. If a specific Property folder exists for the item, use it instead.

Property profile reports for non-subject properties. Subject property profiles have their own folder.

Property profile reports for the subject property. Profiles for other owned properties go in Property: Property Profile.

Signed HUD 92700-A acknowledgements for renovation files (conventional renovation). The FHA 203(k) copy goes in the FHA 203K folders.

Contractor profiles: license, insurance, references for renovation approval.

Completed Form 1035 HomeStyle maximum mortgage worksheets.

HUD consultant packages for renovation: work write-ups, feasibility, draw schedules (conventional renovation files).

Renovation identity of interest certifications disclosing relationships among parties.

Materials draw requests against the renovation escrow.

Executed Form 3730 renovation contracts (borrower-contractor).

Executed Form 3731 renovation loan agreements (borrower-lender).

Contractor W-9s for renovation disbursements. Other W-9s go in Legal: W9.

Rent receipts and proof of rent paid on a property. The borrower's own rental history for qualifying goes in Credit: Rent Payments.

Executed leases for the subject or other properties used for rental income or occupancy. DSCR subject leases also satisfy the program's lease requirement.

The fully executed purchase contract with every page, addendum, and counteroffer.

Tenant security deposit receipts.

Septic and well inspections/certifications for private systems.

Short sale approval letters for the subject property transaction. The borrower's own prior short-sale history goes in Credit: Short Sale/Foreclosure Documentation.

Property surveys showing boundaries and improvements.

Property tax bills for the subject property showing installments and status.

Section 1 termite/pest clearances showing required work is complete. The inspection report itself goes in Property: Termite/Pest Inspection; FHA/VA new-construction termite forms go in their program folders.

Termite/pest inspection reports for the subject property. Clearances go in Property: Termite/Pest Clearance.

USPS address printouts matching the subject address to Encompass.

The final 1003 as approved at closing. The initial signed 1003 goes in QC: 1003 - Initial.

The initial signed 1003 from application. The final version goes in QC: 1003 - Final.

The final signed 1008 Transmittal Summary only. Earlier 1008 versions stay out of this folder.

Signed acknowledgements of GFE receipt (legacy).

Address confirmation support filed for QC. The USPS printout folder is Property: USPS Address Confirmation.

Affiliated business arrangement disclosures.

Anti-steering safe harbor disclosures with the three option sets.

QC copies of ARM disclosures. Primary copies go in ARM Disclosure.

ATR/QM worksheets with the points-and-fees test.

California per diem interest disclosures.

QC copies of CDs. Primary CDs go in Closing Disclosure.

Broker CDs on wholesale files.

QC change-in-circumstance documentation tied to CD revisions.

QC change-of-circumstance documentation tied to LE revisions.

Bundled disclosure notice sets provided during origination.

E-consent records for electronic disclosure delivery.

FACT Act credit score disclosures.

Fair lending notices.

QC copies of FHA blanket signature authorizations. Primary copies go in FHA: Blanket Signature Authorization.

Flood hazard notices to the borrower (SFHA notification).

Geocode/census tract reports for HMDA/CRA.

Good Faith Estimates (legacy pre-TRID files).

Signed homeownership counseling acknowledgements.

Homeownership counseling organization lists provided within 3 days of application.

QC copies of the initial LE. All LE versions also live in Loan Estimate.

File the QC copies of the loan detail report and the income/debt worksheet here. Underwriter income calc worksheets go in Income: Income Calculation Worksheet.

LPMI disclosures.

Mortgage loan origination agreements.

Notices of right to cancel MI (HPA).

PMI disclosures for ARM loans.

PMI disclosures for fixed-rate loans.

PMI disclosures for high-risk loans.

GLBA privacy policy notices. The CA-specific version goes in CA Privacy Policy Disclosure.

REGZ-TIL Truth in Lending disclosures.

QC copies of seller CDs. Primary copies go in Closing Disclosure (Seller).

QC copies of settlement statements.

The complete signed initial disclosure package returned by the borrower.

Statements of credit denial/termination/change. Initial decline notices go in Adverse Notice.

UCD submission/findings reports confirming CD data delivery to the GSEs.

Borrower welcome letters.

Your Home Loan Toolkit booklets provided on purchases.

Final title policies delivered via Qualia post-closing - Title: Final Title Policy is the preferred folder (this one can be used too; consolidation decision pending).

Closing protection letters from the title underwriter.

Title commitment requests sent to the title company. The commitment itself goes in Title Report.

E&O insurance certificates from the settlement/title provider.

Amendments to the escrow instructions.

The executed escrow instructions for the transaction.

Final title policies with endorsements - use this folder (Qualia Post - Title: Final Title Policy can be used too; consolidation decision pending).

Grant deeds and quitclaim deeds adding/removing parties or documenting transfers.

Title documents with no predefined folder. If a specific Title folder exists for the item, use it instead.

Solar system certifications and UCC filing documentation affecting title.

Solar lease agreements for leased systems. Solar loans and PPAs have their own folders.

Solar loan documents for financed systems.

Solar power purchase agreements (PPAs).

Recorded subordination agreements from existing lienholders.

Supplemental/updated title reports. The original prelim goes in Title Report.

Title company tax information sheets with proration data for closing.

The full trust agreement when title is held in a living trust. Trust-income agreements go in Income: Trust Agreement.

Certifications of trust used to close in the name of a trust. The full trust agreement goes in Title: Trust Agreement.

Vesting amendments changing how the borrower holds title.

Verified wiring instructions from title/escrow for closing funds.

Additional information packages sent to USDA RHS.

USDA conditional commitments for the loan note guarantee.

Responses resolving USDA-flagged discrepancies.

USDA guaranteed loan closing reports submitted post-closing.

USDA reservation of funds confirmations.

USDA Loan Note Guarantees received after closing.

Active duty reservist disclosures.

Signed VA amendatory/escape clauses. The FHA version goes in FHA: Amendatory Clause.

CoreLogic AVM reports ordered for VA files. Other AVMs go in AVM.

VA builder certifications for new construction.

WebLGY builder ID printouts for VA new construction.

CAIVRS printouts for VA files.

VA cash-out net tangible benefit disclosures and seasoning/recoupment support.

VA Certificates of Eligibility (COEs). The 26-1880 request form goes in its own folder.

Certificates of occupancy on VA new construction. Non-VA COs go in Property: Certificate of Occupancy.

Veteran child care letters (dependents under 12) for residual income.

WebLGY VA condo approval printouts.

Proof the funding fee applies (veteran not exempt) on IRRRLs. The 26-8937 exemption verification goes in its own folder.

Copies of the note from the prior VA loan on IRRRLs.

Final signed 26-1802a HUD/VA addendums.

Final IRRRL loan amount worksheets at closing.

Final signed VA rate reduction disclosures for IRRRLs.

VA funding fee payment confirmations.

VA HUD-92900A addendum certifications.

Initial signed 26-1802a HUD/VA addendums.

Initial IRRRL loan amount worksheets from application. Final versions go in VA: Final IRRRL Worksheet; the 26-8923 form goes in its numbered folder.

Initial signed VA rate reduction disclosures for IRRRLs.

Builder lead/water certifications on VA new construction.

VA lender certifications.

Lender cover letters for VA package submissions.

WebLGY LIN assignment printouts for standard VA files. IRRRL LIN assignments have their own folder.

WebLGY LIN assignment printouts for IRRRLs - the version with full IRRRL detail.

Underwriting's VA loan analysis worksheets (residual income, ratios). The 26-6393 form version goes in its numbered folder.

VA Loan Guaranty Certificates received after closing.

Veteran LOEs confirming the number of occupants for residual income.

VA maximum mortgage worksheets for IRRRLs. The 26-8923 form version goes in its numbered folder.

Nearest living relative statements.

VA Notices of Value (NOVs) with their conditions. The appraisal itself goes in Appraisal.

Veteran LOEs addressing occupancy of the subject property. Occupant-count letters go in VA: LOE for Number of Occupants.

IRRRL mortgage payment histories: VOMs, cancelled checks, or statements proving timely payments on the existing VA loan.

Private road maintenance agreements.

Builder radon gas certifications on VA new construction.

VA rate reduction certifications for IRRRLs (rate/payment/recoupment tests).

VA Reserves/National Guard service certifications.

NPMA-99a/99b termite forms on VA new construction. FHA versions go in FHA: Termite NPCA99a/NPCA99b.

VA Form 26-1859 warranties of completion. The FHA HUD-92544 warranty goes in its FHA folder.