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Master Construction

Texas Counties with Master Deeds of Trust [as of 03/12/2008]
Master Residential Construction Loan Guide
PowerPoint Viewer RequiredMaster Residential Construction Loan Slideshow
State Bar Speech on Master Loan Documents
Guidance Line Limitations Worksheet
Modification Agreement [and Lien Extension]

Presentations

E-Recording for the Fort Worth Mortgage Bankers (10/18/2006)
Residential Disclosures From Sellers and Lenders (based on Texas code)

Supplement to Residential Lender Disclosure Presentation

Home Equity Cure Interpretations published in the Texas Register November 5,2004. (Effective 11/11/04)
Fair Credit Reporting Act amendments regarding "negative information"notice (Effective 12/1/04)

In The News / Cases

ACORN Home Equity Suit
Chicago Title RESPA Case

Memorandums

Various Texas Loan Document Changes (09/06/07)
Texas Interim Construction Binder Changes (Effective 11/1/2005)
FACT - Fair Credit Reporting Act (Effective 12/1/2004)
Privacy Policy Memorandum
Spousal Signature Requirements on a Note and Deed of Trust secured by Texas Real Property
Private Mortgage Insurance Disclosure and Documents
Model Consumer Privacy Policy Notice
Blank Confidentiality Agreement
Sample Bank Privacy Policy and Disclosure
Sample Mortgage Lender Privacy Policy and Disclosure

Privacy

Model Consumer Privacy Policy Notice
Blank Confidentiality Agreement
Sample Bank Privacy Policy and Disclosure
Sample Mortgage Lender Privacy Policy and Disclosure

Home Equity

Mike Patterson's Texas Home Equity Q&A July 2006
Notice Concerning Extensions of Credit (English Version)
Notice Concerning Extensions of Credit (Spanish Version)
Notice of Right to Cancel / Election Not to Cancel (Federal)
Acknowledgement of Advance Disclosure of Home Equity Fees and Charges
Home Equity Line of Credit Check Request
Waiver of Certain Terms in Other Loans with Lender
Texas Home Equity Discount Point Acknowledgment
City Letter Re: Urban Homestead [Ghost Draft]
Affidavit of Milk Production on Homestead Property
Affidavit of Lender Relationship
Acknowledgment Regarding Voluntary Repayment of Existing Debt
Receipt of Copies
Texas Home Equity Loan Closing Instructions Addendum
Extension of Credit Modification Agreement
Acknowledgment Regarding Fair Market Value of Homestead Property
When Your Home Is On the Line

Refinance

Affidavit of Reasonable and Necessary Closing Costs For Homestead Property Refinance

Trusts

Revocable Trust Checklist

Miscellaneous

Loan Application - FNMA 1003
HUD I Settlement Statement (Fillable PDF)
HUD IA Settlement Statement without Sellers (Fillable PDF)
HUD Settlement Cost Booklet
Consumer Handbook on Adjustable Rate Mortgages (CHARM)
Consumer Handbook on Adjustable Rate Mortgages (Spanish)
Self-Employed Income Analysis
Affidavit Regarding Loan Purpose
Common Drive Agreement
Consent to Encroachment (across property line)
Consent to Encroachment (cross encroachment)
Consent to Encroachment (into easement)
Easement Maintenance Agreement
Ingress & Egress Easement & Maintenance Agreement
Land Lease Review Checklist
Maintenance Agreement
Party Wall Agreement
Specific Statutory Durable Power of Attorney
Statutory Durable Power of Attorney (Texas only)
Subordination Agreement
Subordination of Lien to Easement
Waiver of Surface Rights

Links to General Blank Application and Closing Forms

FHA Forms
VA Forms
Fannie Mae Forms
Freddie Mac Forms

Section 32

Section 32 Loans Federal Rules
Section 32 Worksheet
Section 32 Worksheet (Blank)

Booklets

HUD "Buying Your Home" Settlement Cost Booklet
Consumer Handbook on Adjustable Rate Mortgages
When Your Home Is On the Line

Help

Mortgage Loan Disclosure Matrix
Loan Origination System Interface Guide (Calyx, Encompass, BytePro)
VA Allowable Fees
State Late Payment Penalty
State High Cost Recap
FHA Allowable Closing Costs (01/27/06)
Definition of TIL Terms
Right of Cancellation Matrix