Consumer

• Notice to Cosigner

Informs the Cosigner that they are liable for the debt if the borrower does not pay.

• Adverse Action Notice

Given to members for a loan denial, termination or change.

• Closed End Note and Disclosure

CE Note for fixed or variable rate.

• Termination Statement

Attach this to your payoff check to discharge your lien on a vehicle.

• Loan Application

Consumer Loan Application, long form.

• Post Loan Transactions

For actions taken after the loan has been disbursed.

• Line of Credit

Line of Credit for Consumer Lending.

 

Home Equity

• HE Early Disclosure

Open End Early Disclosure.

• HE Open End Agreement

HE Open End Credit Agreement.

• Settlement Statement

New HUD-1a approved by the Secretary of Housing and Urban Development for use when there is no Seller. We also have forms for transactions with sellers (HUD-1)

• Good Faith Estimate

Required by the federal Real Estate Settlement Procedures Act to provide the member with a good faith estimate of the fees due at closing within three days of applying for a loan.

• Right To Cancel

The right of a consumer to nullify a contract within three business days of signing it without paying a penalty or down payment.

• Fixed Rate Multistate HE Note

Fixed rate multi-state real estate note.

• HE Loan Application

HE Loan Application.

• TILA Loan Estimate

TILA Loan Estimate.

• TILA Loan Closing Disclosure

TILA Loan Closing Disclosure.