Articles

• Loan Application A Loan Application is a written document that provides essential information abou...
• Home Equity Application Disclosure The Home Equity Application Disclosure is required by Regulation Z (lines) and Re...
• Loan Estimate The Loan Estimate is required by by Regulation Z and Real Estate Settlement Prote...
• Appraisal Notice The Appraisal Notice informs borrower(s) of their right to receive a copy of the ...
• Notice to Home Loan Applicant and Your Credit Score and the Price You Pay for Credit Disclosure The Notice to Home Loan Applicant and Your Credit Score and the Price you Pay for...
• HMDA Rate Spread Regulation Z requires High Price Mortgage Loans (HPML) to be identified. The HMDA...
• Decision Report (DPro) and Credit Memo (Abrigo) The Decision Report from Decision Pro (DPro) and the Credit Memo (Abrigo) are req...
• Statement of Credit Denial, Termination, or Change (Adverse Action Letter) A Statement of Credit Denial, Termination, or Change (Adverse Action Letter) is r...
• Proof of Active Status Proof of Active Status is required when a business is involved with a loan transa...
• Purchase Contract with Verification of Deposit The Purchase Contract with Verification of Deposit provides lenders and examiners...
• Escrow Calculation Guide The Escrow Calculation Guide is required to comply with Real Estate Settlement Pr...
• Notice to Borrower in a Special Flood Hazard Area The Notice to Borrower in a Special Flood Hazard Area is required by the Flood Di...
• Excess Exposure Calculation FLOOD INSURANCE CAN NEVER BE WAIVED BY A LENDER Excess Exposure Calculation assis...
• Proof of Insurance Proof of Insurance verifies our collateral is covered in case of loss, (for examp...
• Builder's Risk Insurance The Builder's Risk Insurance verifies our collateral is covered in case of loss b...
• Title Endorsements Overview Endorsements are attachments to a title insurance policy that provide ad...
• Appraisal Engagement Letter/ Appraisal Compliance Check Sheet An Appraisal Engagement Letter/ Appraisal Compliance Check Sheet is a written req...
• Appraisal Review Conclusion of Value Review An Appraisal Review Conclusion of Value Review is required by Credit Administrati...
• Survey/ Order Survey Form/ Survey Affidavit A Survey/ Order Survey Form / Survey Affidavit is a drawing of property boundarie...
• Title A Title is a document that states: Vehicle Identification Number (VIN #) Year, Ma...
• Verification of No Title Issued The Verification of No Title Issued states: Vehicle Identification Number (VIN #)...
• Possession of Policy (Life Insurance or Single Payment Annuity) The Possession of Policy is a document that indicates: Insured’s name Insurance c...
• Assignment of Life Insurance Policy as Collateral The Assignment of Life Insurance Policy as Collateral is notification to, and ack...
• Verification Mobile Home is Real Property Verification Mobile Home is Real Property provides verification that appropriate ...
• Closing Instructions Closing instructions are provided to the title company when the mortgage title po...
• Changed Circumstance Form A Changed Circumstance Form is needed if a revised loan estimate is provided. Thi...
• Take-Out Commitment A Take-Out Commitment is verification from a financial institution approving the ...
• Cost Breakdown A Cost Breakdown provides details regarding the cost estimate of constructing a b...
• Development Order  A Development Order insures compliance with the Growth Management Act, which req...
• Environmental Checklist An Environmental Checklist is a brief assessment to determine possible environmen...
• Promissory Note or Credit Agreement The Promissory Note or Credit Agreement is a legal document identifying both the ...
• Closing Disclosure (Consumer Real Estate) The Closing Disclosure is required by Regulation Z (the Truth in Lending Act) and...
• Business Loan Agreement The Business Loan Agreement is an acknowledgment from the borrower that the loan ...
• Disbursement Request and Authorization The Disbursement Request and Authorization is an authorization from the borrower ...
• Security Agreement/ Pledge Agreement The Security Agreement/Pledge Agreement gives the bank a security interest in the...
• Statements of Anti-Coercion The Statements of Anti-Coercion is required by the State of Florida and is an ack...
• Application for Notice of Lien (FL) Title/Tag Application (AL/GA) The Application for Notice of Lien (FL) Title/Tag Application (AL/GA) provides th...
• Collateral Power of Attorney For bank’s collateral perfection use only. NOT to be used to apply for or sign lo...
• Notice of Assignment A Notice of Assignment describes the borrower's assignment of collateral and prov...
• Irrevocable Stock or Bond Power The Irrevocable Stock or Bond Power provides the bank with the ability to negotia...
• Collateral Receipt A Collateral Receipt is a(n): Detailed description of the possessory collateral A...
• Mortgage (FL/AL) / Security Deed (GA) A Mortgage (FL/AL) / Security Deed (GA) places the bank's lien on the described r...
• Notice to Mortgagor (FL) / Waiver and Acknowledgment (GA) The Notice to Mortgagor (FL) / Waiver and Acknowledgment (GA) is a notice to the ...
• Initial Escrow Account Disclosure The Initial Escrow Account Disclosure - Business Purpose Only is required by Real...
• Flood Insurance Notice FLOOD INSURANCE CAN NEVER BE LEGALLY WAIVED BY A LENDER   The Flood Insurance Not...
• Mobile Home Declaration The Mobile Home Declaration states the necessary steps taken to permanently attac...
• Loan Draft Authorization The Loan Draft Authorization form authorizes the Capital City Bank to automatical...
• Notice of Commencement A Notice of Commencement is publicly filed in county records to signify that a co...
• Assignment of Construction Contract An Assignment of Construction Contract is an acknowledgment from both the borrowe...
• Construction Loan Requirements & Authorization The Commercial Construction Loan Requirements & Authorization form provides: ...
• Disbursement Items Disbursement items provide proof of loan disbursement. Loan related invoices are ...
• Boarding Data Boarding Data is used by input personnel in Loan Servicing to load a loan.   This...
• Affidavit of Simultaneous Closing The Affidavit of Simultaneous Closing eliminates the initial right of rescission ...
• Title Agent Vendor Request Form When an attorney or title agent is not on the approved list and would like to be ...
• Builder Data Sheet The Builder Data Sheet is needed when a builder request to be added to Capital Ci...
• Contractor's Final Affidavit The Contractor's Final Affidavit is an acknowledgment from the building contracto...
• Extension Agreement When a client is seeking an extension for their loan payment, an Extension Agreem...
• Name Affidavit of Non-Identity A Name Affidavit of Non-Identity must be completed when the borrower is not the s...
• Notice of Lien Receipt A Notice of Lien Receipt is provided to the bank (typically by the Department of ...
• Letter of Credit A Letter of Credit is a bank issued letter guaranteeing payment on behalf of the ...
• Payoff Letter A Payoff Letter is required when loan proceeds are going to satisfy an obligation...
• Overdraft Protection (ODP) Addition - Cancellation ODP Addition The Overdraft Protection (ODP) Addition is when the client desires o...
• Decline Reasons A decline reason is given when an applicant is denied credit. Consumers must rece...