Ready to Submit

STACKING ORDER

CONVENTIONAL STACKING ORDER

1. Submission Form
2. Authorization to Receive Electronic Disclosures
3. Conventional Submission Fee Sheet must match GFE correctly
4. Notice of Intent to Proceed – Not needed to submit unless any fee other than the fee for the credit report will be charged
5. GFE
6. Completed 1003 and 1008 in pdf format
7. Credit Report
8. PDF 4506-T, For Approved Brokers already Credco Registered Credco 4506T Online Ordering System, Credco Quick Start Guide, Credco How to Order Guide
9. Income Docs
10. Assets
11. Purchase Agreement (if applicable)
12. Prelim Title Policy - not needed to submit
13. Homeowners Insurance – Mortgagee Clause - not needed to submit
14. Appraisal - not needed to submit
15. Signed Borrower Credit Authorization
16. Disclosures (including state specific disclosures)
17. Anti Steering Disclosure (required on Lender Paid Compensation loans)
18. FNMA 3.2

FHA STACKING ORDER – FHA Sponsor ID – Grand Bank, NA/FHA # 2466700003

1. FHA Case Number Request Form
2. FHA Submission Form
3. Authorization to Receive Electronic Disclosures
4. Case File Assigned to Grand Bank
5. FHA Submission Fee Sheet must match GFE correctly
6. Notice of Intent to Proceed – Not needed to submit unless any fee other than the fee for the credit report will be charged
7. GFE
8. Transmittal Summary (92900-LT)
9. 1003 Loan Application
10. 1003 Addendum (92900-A)
11. Credit Report
12. PDF 4506-T, For Approved Brokers already Credco Registered Credco 4506T Online Ordering System, Credco Quick Start Guide, Credco How to Order Guide
13. Income Docs
14. Assets
15. FHA Gift Letter - not needed to submit
16. Purchase Agreement (if applicable)
17. Payoff Demand (required at submission on refis only)
18. Prelim Title Policy – not needed to submit
19. Homeowners Insurance – Mortgagee Clause - not needed to submit
20. Appraisal – not needed to submit
21. Important Notice To Homebuyer
22. Informed Consumer Choice Disclosure
23. Signed Borrower Credit Authorization
24. Disclosures (including state specific disclosures)
25. Anti Steering Disclosure (required on Lender Paid Compensation loans)
26. FNMA 3.2

VA STACKING ORDER – VA Sponsor ID – Grand Bank, NA VA #559875-06-01

1. VA Submission Form
2. Authorization to Receive Electronic Disclosures
3. VA IRRRL Submission Fee Sheet or Full VA (Refinance/Purchase) Submission Fee Sheet
4. GFE
5. Notice of Intent to Proceed – Not needed to submit unless any fee other than the fee for the credit report will be charged
6. IRRRL Worksheet (26-8923)
7. 1003 Loan Application
8. Signed HUD/VA Addendum to 1003 (26-1802a) - first 2 pages only
9. Copy of Photo ID
10. Copy of SS Card
11. Credit Report
12. PDF 4506-T, For Approved Brokers already Credco Registered Credco 4506T Online Ordering System, Credco Quick Start Guide, Credco How to Order Guide
13. Current Payoff Demand
14. Signed VA Indebtedness (26-8937)
15. Nearest Living Relative form
16. Disclosures (including state specific disclosures)
17. Anti Steering Disclosure (required on Lender Paid Compensation loans)
18. FNMA 3.2

USDA STACKING ORDER

1. USDA Submission Form
2. Authorization to Receive Electronic Disclosures
3. USDA Submission Fee Sheet
4. GFE
5. Notice of Intent to Proceed – Not needed to submit unless any fee other than the fee for the credit report will be charged
6. Completed 1003 Loan Application
7. Completed 1008
8. Income Elegibility Questionnaire
9. Copy of Photo ID
10. Copy of SS Card
11. Credit Report
12. PDF 4506-T, For Approved Brokers already Credco Registered Credco 4506T Online Ordering System, Credco Quick Start Guide, Credco How to Order Guide
13. Income Docs
14. Assets
15. Purchase Agreement
16. Gift Letter - Not needed to submit
17. Prelim Title Policy - Not needed to submit
18. Homeowners Insurance – Mortgagee Clause - not needed to submit
19. Appraisal – not needed to submit
20. Signed Borrower Credit Authorization
21. Disclosures (including state specific disclosures)
22. Anti Steering Disclosure (required on Lender Paid Compensation loans)
23. FNMA 3.2