Your loan must be Approved, Locked, and Appraisal ordered (if applicable) to request for an Initial CD.

Before filling out this form, your loan must be submitted and locked with an ordered appraisal.




Lender accepted change of circumstance may be subject to underwriter review. Failure to meet program guidelines will require additional redisclosure be sent.

A changed circumstance for purpose of a revised Loan Estimate as defined (§ 1026.19(e)(3)(iv)(A)):

1) An extraordinary event beyond the control of any interested party or other unexpected event specific to the consumer or transaction;

2) Information specific to the consumer or transaction that the creditor relied upon when providing the Loan Estimate and that was inaccurate or changed after the disclosures were provided;

3) New information specific to the consumer or transaction that the creditor did not rely on when providing the Loan Estimate.

You are eligible to complete this form if the following are true

1) Purchase loans must be in approved or clear to close status. Refinanced must be in clear to close status. **Docs Out and Docs Back statuses are ineligible

2) Loan program is Conventional, FHA, VA & High Balance 

3) Loan amortization is Fixed

4) Renegotiation must benefit the borrower by at least 0.125 in rate

5) Cost of the initial renegotiation is current market, less 0.500, capped at original price 

6) Rebate will not exceed original rebate 

7) Cost will not be less than original costs 

If a float down is granted, the loan must close within 7 days of Float Down Date 
General Information













Non-Borrowing Entity Information





Loan Information











Broker Third Party Fees
Fees must be disclosed to the borrower to collect at closing. The invoice is required and only the actual fee can be reimbursed.
















Final Lender Fees (Required if Requesting JMAC CD)
ALL FEES PAID ARE SUBJECT TO HIGH COST ANALYZER COMPLIANCE WITH FEDERAL, STATE, COUNTY AND CITY APR / POINT / FEE THRESHOLDS






*Any Additional Fees that the Borrower should Reimburse can be Added to the Comments Below.
Settlement Agent Information






Buyer/Seller Agent Information


Provide the information below ONLY IF incomplete on the Purchase Agreement.














Settlement Agent/Attorney Information







Closing Documentation


Preliminary Final Closing Disclosure Balance Request
All required documents must be provided for preliminary final balancing. If documents are missing, the Initial Closing Disclosure may be issued, but final balancing will occur once the loan is Ready for Docs.




Closing Documentation


Closing Documentation
If not previously provided, include the following REQUIRED  documentation:
  • Updated Estimated Settlement Statement/Preliminary CD
  • LE, COC, Initial CD, Initial CD Receipt Form & Final CD (if applicable)
  • Evidence of Insurance
  • All Invoices: Credit Report(s), Appraisal(s), HOA, Property Taxes, etc
  • Trust Cert of POA (if applicable)
  • Preliminary Title Report

Case Number Information





Change of Circumstance


















When changing the program FHA, be sure to complete the FHA Case Request Form.







Fee



Additional Information

Please reach out to your Account Manager to confirm if your loan meets criteria for Final Balancing.
Renegotiation Information