fha informed consumer choice disclosure 2015

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FHA Informed Consumer Choice Disclosure Final Transmittal Summary HUD 92900LT HUD-1 Settlement Statement – for Mortgage Loans with Initial Applications dated prior to 10/3/15 Settlement Certification, FHA Info #15-38 – for Mortgage Loans with Initial Applications dated on or after 10/3/15 that are subject to the TRID requirements

A mortgagee must provide a prospective fha mortgagor with an informed consumer choice disclosure notice if, in the mortgagees’s judgment, the prospective FHA mortgagor may qualify for similar conventional mortgage products offered by the mortgagee.

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Additionally, FHA has updated the Informed Consumer Choice Disclosure model language document. It, too, is posted on the Single Family Housing Model Documents and Forms web page. Lenders are not required to use this specific document when making this disclosure.

The Informed Consumer Choice disclosure notice (exhibit mm) has been amended to reflect the changes with respect to FHA’s mortgage insurance as set forth in Mortgagee Letter 00-46. The new FHA guidelines are effective for loans closed on or after January 1, 2001.

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fha informed consumer choice disclosure notice The following information applies to case numbers assigned on or after June 3, 2013 In addition to an FHA-insured mortgage, you may also qualify for other mortgage products offered by your lender.

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INFORMED CONSUMER CHOICE DISCLOSURE NOTICE. In addition to an FHA-insured mortgage, you may also qualify for other mortgage products offered by your lender. To assure that you. This disclosure is not a contract and does not constitute loan approval.

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