A Loan Application is a written document that provides essential information about the applicant on which the lender bases...
The Home Equity Application Disclosure is required by Regulation Z (lines) and Real Estate Settlement Procedures Act (RESPA -...
The Loan Estimate is required by by Regulation Z and Real Estate Settlement Protection Act (RESPA). The loan estimate...
The Appraisal Notice informs borrower(s) of their right to receive a copy of the appraisal used by the bank...
The Notice to Home Loan Applicant and Your Credit Score and the Price you Pay for Credit Disclosure documents...
Regulation Z requires High Price Mortgage Loans (HPML) to be identified. The HMDA Rate Spread provides adequate proof of...
The Decision Report from Decision Pro (DPro) and the Credit Memo (Abrigo) are required by examiners and the Community...
A Statement of Credit Denial, Termination, or Change (Adverse Action Letter) is required by the Fair Credit Reporting Act...
Proof of Active Status is required when a business is involved with a loan transaction. The proof of active...
The Purchase Contract with Verification of Deposit provides lenders and examiners with details of a purchase transaction to ensure...
The Escrow Calculation Guide is required to comply with Real Estate Settlement Protection Act (RESPA) and required by Higher...
The Notice to Borrower in a Special Flood Hazard Area is required by the Flood Disaster Protection Act and...
FLOOD INSURANCE CAN NEVER BE WAIVED BY A LENDER Excess Exposure Calculation assists in determining if private flood insurance...
Proof of Insurance verifies our collateral is covered in case of loss, (for example: by theft or fire). This...
The Builder's Risk Insurance verifies our collateral is covered in case of loss by theft, fire, or other perils...
Overview Endorsements are attachments to a title insurance policy that provide additional coverage. Once completed, the Endorsement documents are...
An Appraisal Engagement Letter/ Appraisal Compliance Check Sheet is a written request for evaluation of real estate. This documentation...
An Appraisal Review Conclusion of Value Review is required by Credit Administration and certifies the lender has reviewed the...
A Survey/ Order Survey Form / Survey Affidavit is a drawing of property boundaries that includes structures, encroachments, or...
A Title is a document that states: Vehicle Identification Number (VIN #) Year, Make and Model Owner Existing lien...
The Verification of No Title Issued states: Vehicle Identification Number (VIN #) Statement of No Issue Year, Make, and...
The Possession of Policy is a document that indicates: Insured’s name Insurance company name and address Policy number Beneficiary...
The Assignment of Life Insurance Policy as Collateral is notification to, and acknowledgement from, the issuer of the life...
Verification Mobile Home is Real Property provides verification that appropriate measures have been taken to declare the mobile home...
Closing instructions are provided to the title company when the mortgage title policy is to be issued and to...
A Changed Circumstance Form is needed if a revised loan estimate is provided. This is required by Real Estate...
A Take-Out Commitment is verification from a financial institution approving the permanent financing once the construction phase of a...
A Cost Breakdown provides details regarding the cost estimate of constructing a building or structure. This document should be...
A Development Order insures compliance with the Growth Management Act, which requires local governments to have Comprehensive Plans to...
An Environmental Checklist is a brief assessment to determine possible environmental risks that may be associated with commercial real...
The Promissory Note or Credit Agreement is a legal document identifying both the borrower and the lender. The agreement...
The Closing Disclosure is required by Regulation Z (the Truth in Lending Act) and by the Real Estate Settlement...
The Business Loan Agreement is an acknowledgment from the borrower that the loan proceeds are used for business purposes,...
The Disbursement Request and Authorization is an authorization from the borrower on how the loan proceeds are to be...
The Security Agreement/Pledge Agreement gives the bank a security interest in the collateral and states that the bank can...
The Statements of Anti-Coercion is required by the State of Florida and is an acknowledgement by the borrower that...
The Application for Notice of Lien (FL) Title/Tag Application (AL/GA) provides the tax collector’s office with the information required...
For bank’s collateral perfection use only. NOT to be used to apply for or sign loan documents. A Power...
A Notice of Assignment describes the borrower's assignment of collateral and provides notification to the owner(s) of an account...
The Irrevocable Stock or Bond Power provides the bank with the ability to negotiate/sell the stock being taken as...
A Collateral Receipt is a(n): Detailed description of the possessory collateral Acknowledgement by owner that description is accurate and...
A Mortgage (FL/AL) / Security Deed (GA) places the bank's lien on the described real estate and notifies the...
The Notice to Mortgagor (FL) / Waiver and Acknowledgment (GA) is a notice to the property owner that Mortgagee's...
The Initial Escrow Account Disclosure - Business Purpose Only is required by Real Estate Settlement Procedures Act (RESPA) and...
FLOOD INSURANCE CAN NEVER BE LEGALLY WAIVED BY A LENDER The Flood Insurance Notice is required by the...
The Mobile Home Declaration states the necessary steps taken to permanently attach a mobile/manufactured home to the real estate...
The Loan Draft Authorization form authorizes the Capital City Bank to automatically debit monthly loan payments from the clients...
A Notice of Commencement is publicly filed in county records to signify that a construction project is beginning and...
An Assignment of Construction Contract is an acknowledgment from both the borrower and the builder, and provides the bank...
The Commercial Construction Loan Requirements & Authorization form provides: Authorization from the borrower Acknowledgement from builder/contractor Information on where...
Disbursement items provide proof of loan disbursement. Loan related invoices are to be paid with a Money Order. The...
Boarding Data is used by input personnel in Loan Servicing to load a loan. This document is included...
The Affidavit of Simultaneous Closing eliminates the initial right of rescission delay in funding on the Home Equity Line...
When an attorney or title agent is not on the approved list and would like to be added, or...
The Builder Data Sheet is needed when a builder request to be added to Capital City Banks Approved Builder...
The Contractor's Final Affidavit is an acknowledgment from the building contractor stating: Work has been completed according to plans...
When a client is seeking an extension for their loan payment, an Extension Agreement must be completed. Consider the...
A Name Affidavit of Non-Identity must be completed when the borrower is not the same person stated in any...
A Notice of Lien Receipt is provided to the bank (typically by the Department of Motor Vehicles (DMV)) and...
A Letter of Credit is a bank issued letter guaranteeing payment on behalf of the borrower. A Letter of...
A Payoff Letter is required when loan proceeds are going to satisfy an obligation with another financial entity. The...
ODP Addition The Overdraft Protection (ODP) Addition is when the client desires overdraft protection on a deposit account from...
A decline reason is given when an applicant is denied credit. Consumers must receive this information in writing as...