MASSHOUSING FIRST MORTGAGE PROGRAMS
DOCUMENT REQUIREMENTS
Complete the information below and submit with all closed loan packages. See last page for delivery instructions.
Correspondent Name:
Delivery Contact Name: (Please note this contact will receive suspense and purchase notifications for this file.
Multiple contacts may be listed.) Contact Phone#:
MassHousing Loan #: Contact Email:
Special Features – Please check the appropriate box for loan special features.
Deed Restriction- Survive Foreclosure
Deed Restriction
– Terminate with Foreclosure
Fannie Mae DU Refi Plus TM
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Purchase/Rehab
Use the checklist below to ensure the required documentation is included in all closed loan packages
Closing Documents
Form Notes
6D Cert Initial If Applicable □
□ Affordable Deed Rider (Deed Restricted Properties
Only)
B001 Mortgagor’s Affidavit and Notice of Federal
Subsidy Recapture
B-002 Calculation of Potential Subsidy Recapture on
Sale of Home
B-007 Post Purchase Counseling Agreement
Purchase and Refinance
First-Time Homebuyers only
First-Time Homebuyers only
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B011 Borrower’s Questionnaire
Certificate of Occupancy
Closing Disclosure
New Construction
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Provide evidence it was received by all borrower(s)
3 business days prior to consummation
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Provide evidence that CD was received by Seller on the day of consummation.
 All CD’s should be included and stacked in order of most recent to initial and should have the accompanying itemizations with them.
Compliance Agreement/Errors and Omissions
Statement
Copy of Deed Purchase only
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Copy of Subordinate Note and Mortgage
Escrow Holdback Documentation
First Payment Letter
Flood Insurance Policy
Flood Zone Certification
If Applicable
If Applicable
With Endorsement Letter, If Applicable
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Hazard Insurance Policies
Initial Escrow Disclosure
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Life of Loan
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Endorsement Letter
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With Endorsement Letter
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Master Insurance
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Condos require HO-
6 “Walls In” Coverage
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Must match what is on record on the settlement statement
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If applicable MI must be included
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L-103 Notice of Assignment, Sale or Transfer
Lead Paint Indemnification
Loan Payment History
MERS Registration
Mortgage, Riders and all Attachments
Name Affidavit
Note
If Applicable
Initial certified true copy
If Applicable
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Right of Rescission Notice
Original to MassHousing and Certified Copy to Titan with appropriate endorsement required for both first and subordinate liens on conventional transactions
Refinance
Smoke/Carbon Detector Certification
Special Flood Hazard Notice (Federal & State)
Survey/ Plot Plan
Tax Information Sheet/MLC
Title Commitment
Purchase only
Included when subject property in flood zone. Must be properly signed and dated.
If Applicable - Purchase and Refinance
Purchase and Refinance
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First Mortgage Programs and OWH Document Requirements – MassHousing- HomeOwnership
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Form L-102
Rev. 1/2016

MASSHOUSING FIRST MORTGAGE PROGRAMS
DOCUMENT REQUIREMENTS
Purchase transactions with private septic Title V Certification
W-9/W-8 Request for Taxpayer Identification
Number and Certification Signed by all borrower(s)
Application or Underwriting Documents
Form
All Loan Types
The documents below are required for all transactions
1008 Loan Summary Transmittal
Affiliated Business Disclosure
Notes
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Completed and signed
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Must agree with final DO submission, emasshousing.com, and Final 1003
If Applicable
Amortization Schedule
Appraisal
Asset Documents
AUS Findings Document
Single Family/Unit Loans with MI
Upload 1 st Generation PDF to Titan
Verifying all funds needed to close including gift letters, if applicable
Final results; all pages
Authorization to Release Information
B-012 Appraisal Borrower Acknowledgement Form
Borrower Letters of Explanation
Condo Approval
Copy of Signed Bid or Contract
Credit Report
If Applicable
CPM or related documentation supporting FNMA project type
Rehab or Holdback Only
FACTA Credit Score Disclosure
Privacy Notice
ECOA Notice
Final or Repair Inspection
Intent to Proceed Form
Homebuyer Counseling Certificate
HomeOwnership Counseling Disclosure
Income Documents
If Applicable
Must be signed and dated by the borrower
If Applicable
Based on employment or other types of income
Initial PMI Disclosure
Itemization of Amount Financed
Single Family/Unit Loans with MI (excluding LPMI), if
Applicable
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Final - Does not need to be executed
L-105 Appraisal Independence Requirement
Certification
Lender Paid Mortgage Insurance Disclosure (LPMI) Single Family/Unit Loans with LPMI only
Loan Application 1003 (final) Must be signed and dated by borrowers
Loan Application 1003 (initial)
Loan Estimate
Mortgage Insurance Certificate
Notice About Flood Insurance Coverage
Patriot Act
Power of Attorney
Sales Contract
Social Security Number Verification
SSA-89 for all Borrowers
Must be signed by loan officer.
If loan was pre-approval all initial 1003s should be delivered with the package for review.
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Loan Estimate must evidence it was mailed within 3 business days from application date
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Include any documentation to support changes as a result of changed circumstances and the
Settlement Service Provider List (if applicable)
 All LE’s are required & stacked from the newest to the oldest with the applicable
Change of Circumstance between each LE
If Applicable
If Applicable
If Applicable
– seller only. No Borrower POA allowed with exception of military
Purchase transactions, all pages and amendments - fully executed
If Required
Previous Three Years Transcripts & Signed 4506-T
UCDP Fannie Mae Submission Summary Report
(SSR)
Verbal Verification of Employment or acceptable verification for self-employed borrower
Required on all loan types
First Mortgage Programs and OWH Document Requirements – MassHousing- HomeOwnership
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Form L-102
Rev. 1/2016
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MASSHOUSING FIRST MORTGAGE PROGRAMS
DOCUMENT REQUIREMENTS
Operation Welcome Home Downpayment Assistance Program
Form Notes
Use the checklist below to ensure the required documentation is included in all closed loan packages
B-013 OWH Mortgage and Attachments
B-014 OWH Note
Initial certified true copy
Original to MassHousing and Certified Copy to
Titan with appropriate endorsement
Signed by all borrower(s) B-015 OWH Mortgage Repayment Terms
L-103OWH- Notice of Assignment, Sale or Transfer For Operation Welcome Home Mortgage
MERS Registration
Operation Welcome Home Truth in Lending (Final)
Operation Welcome Home Truth in Lending (Initial)
Attorney Disclosure required by M.G.L. c.184 s. 17B
Itemization of Amount Financed
List of HUD Approved Counseling Agencies
Veteran Eligibility Proof
Eligible borrowers will include qualified veterans of the Armed
Services, member of the Reserves and National Guard, active duty Armed Service members, and spouses of veterans who died while serving in the military.
Eligible Reservists and National Guard do not need to be assigned to a Massachusetts based military unit. They need only be purchasing a home in Massachusetts
Final Truth in Lending must be signed at closing
Provide evidence it was sent within 3 business days from application date
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Initial
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Final - Does not need to be executed
Eligibility will validated by:
1. For Veterans - DD214 Form; or
2. For Active Members of the US Military -
Letter from commanding officer or other official military issued documentation identifying the applicant as an active member of the US Military; or
3. For Reservists or National Guard –
Letter from their commanding officer will be acceptable; or
4. For Gold Star Husbands and Wives -
Letter from the local veteran’s agent.
Please send ONLY the ORIGINAL ENDORSED NOTE to:
MassHousing, Purchasing/Homeownership
One Beacon Street, 6th Floor
Boston, MA 02108
Overnight Mail
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A copy of original note and complete closed loan file with all original documents, and all trailing documents to:
Titan Lenders Corp.
5353 West Dartmouth Avenue
Suite 50 – Lower Level
Denver, CO 80227
File Submission
Lenders should avoid submission of two sided copies, stapled documents, shipping of duplicate copies or unexecuted forms and disclosures deemed immaterial. Placing the documents in the required stacking order will expedite the review of the
Lender’s Loan file. Lenders may be charged a $75.00
“Stacking fee” at time of Loan purchase for files found to be materially out of compliance with these requirements.
First Mortgage Programs and OWH Document Requirements – MassHousing- HomeOwnership
3
Form L-102
Rev. 1/2016