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Fha informed consumer choice disclosure 2026

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The document is an Informed Consumer Choice Disclosure Notice that outlines the options available to borrowers for FHA-insured and conventional mortgage products. It provides a comparison of costs associated with different mortgage types, including details on mortgage insurance premiums, loan amounts, closing costs, and payment structures. The notice emphasizes the importance of understanding these options and encourages borrowers to ask questions to determine the best financing choice for their needs.

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Click ‘Get Form’ to open the FHA Informed Consumer Choice Disclosure in our editor.
Begin by entering the Loan Number, Case Number, and Date at the top of the form. This information is essential for identifying your mortgage application.
Fill in your name as the Borrower and provide the Property Address where the loan will be applied.
Review the comparison section carefully. It outlines FHA financing versus conventional financing options. Make sure to understand each component, such as Sales Price, Mortgage Amount, and Closing Costs.
Complete fields related to interest rates, monthly payments, and mortgage insurance premiums. Ensure accuracy as these figures impact your financial decisions.
Acknowledge receipt of this disclosure by signing in the designated signature fields. You may add multiple signatures if necessary.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What documentation do you need for an FHA loan?

Your eligibility for an FHA loan doesnt hinge on a particular income amount, but you must prove you have a steady employment history. Your income must be verifiable by sharing pay stubs, W-2s, federal tax returns and bank statements with your lender. Your lender may ask for other examples of verification as well.

Does FHA MIP ever fall off?

MIP, on the other hand, is required for FHA loans regardless of the down payment amount and includes both an upfront premium and an annual premium. For most FHA loans, MIP lasts for the life of the loan unless the borrower makes a down payment of at least 10%, in which case they can remove it after 11 years.

What is the 5 year rule for FHA loans?

0:35 2:17 You can always sell the property you can always refinance out of an FHA loan. In fact if thats whatMoreYou can always sell the property you can always refinance out of an FHA loan. In fact if thats what youre looking to do. Because. Youre trying to get rid of the FHA mortgage insurance.

What FHA disclosures are required?

FHA loans require the same loan estimate and closing disclosure forms as any other type of home loan. These forms tell you exactly how much youll be paying in interest, fees and other closing costs. There are a few things youll notice that will be specific to FHA loans: Upfront mortgage insurance premium (UFMIP).

What disclosures are mandatory when disclosing a mortgage loan file?

A RE 882 Mortgage Loan Disclosure Statement (MLDS) is required by California law and must also be provided.

fha's informed consumer choice disclosure discloses all of the following to the customer except

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What two disclosures are required by RESPA?

RESPA is a federal law that requires lenders to provide information about the settlement costs and services involved in a mortgage transaction. The TILA-RESPA Integrated Disclosure (TRID) rule requires two forms: the Loan Estimate and the Closing Disclosure.

What is the FHA informed consumer choice disclosure?

Section 203(b)(2) of the National Housing Act requires a disclosure to assist borrowers in comparing the costs of a FHA-insured mortgage versus similar conventional mortgages. This disclosure must be given to prospective borrowers that may qualify for both FHA-insured financing and a conventional mortgage product.

What are FHA disclosures?

FHA informed consumer choice disclosure This disclosure shows FHA borrowers how their loan compares to conventional loans, helping them decide which option works best for them. One major difference between a conventional mortgage and an FHA loan is how much mortgage insurance youll pay, and for how long.

Fha informed consumer choice disclosure 2026

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Got questions?

What documentation do you need for an FHA loan?

Does FHA MIP ever fall off?

What is the 5 year rule for FHA loans?

What FHA disclosures are required?

What disclosures are mandatory when disclosing a mortgage loan file?

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What two disclosures are required by RESPA?

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