I spoke to my CC today and he said that we have cleared all conditions, which is a good thing. But we received in the mail a large folder from Bank of America with instructions to complete the “Home Loan Document Package”. Some of it seemed like the stuff we signed at the NACA office when we signed our bank application but I am not sure about everything. Our CC said we do not need to sign but our MC basically said he is not sure what it is and to follow instructions provided. One of the forms in the packet was the “Uniform Residential Loan Application” and it requires MC signature as well.
The other documents were:
-Borrowers Certification and Authorization Form
-4506-T request (this is the 3rd request)
-Notice IRS disclosure
-Hazard and FLood Insurance Requirements
-Authorization for Social Security Administration to Release SSN
There was no real number to call for Bank Of America and when I tried to go to the online portal they referenced I was not able to log in as I don’t have an account number. I tried using the loan number but it found nothing.
Really just need to know if I need to send this information in. No one from NACA mentioned anything about this to us and it seems strange that there would be required documents from BOA that NACA does not know about.
All of the listed documents are in your NACA file. It appears you were sent the documents by mistake. The “Uniform Residential Loan Application” (a.k.a. 1003 form) is the dead giveaway that somebody at the bank goofed up. Your file would have never gone to the bank without a completed 1003.
I’m probably being a bit paranoid, but don’t trash the packet just yet. However, I know of no legitimate reason whatsoever for you to have been sent those documents.