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Mortgagee/Loss Payee Clause
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State Specific Broker Disclosures
| STATE | BROKER SPECIFIC DISCLOSURES | CMS SUPPORTED | SIGNATURE REQUIREMENTS |
| Alabama | Mortgage Loan Origination Agreement | YES | As Applicable |
| Arizona | Arizona Broker Advance Fee Agreement Signature of Borrower and Broker Required | NO | Signature of Borrower and Broker Required |
| Arizona | Arizona Dual Capacity Disclosure | NO | As Applicable |
| California | Loan Brokerage Agreement | NO | Signature of Borrower and Broker Required |
| California | California Finance Lenders Law Mortgage Broker Agreement (Applicable to CFL licensed Brokers) Signature of Borrower and Broker Required | YES | Signature of Borrower and Broker required |
| California | California Finance Lenders Law Statement of Loan Disclosure (Applicable on CFL transactions) | YES | As Applicable |
| California | Advance Fee Disclosure (Borrower signature required) (Applies to brokers licensed under the Real Estate Law) | NO | As Applicable |
| California | California Dual Capacity Disclosure | NO | Borrower Signature Required |
| Colorado | Dual Status Disclosure (Real Estate Broker and Mortgage Loan Originator) | NO | Signature of Borrower and Broker / Loan Originator Required |
| Connecticut | Connecticut Agreement Concerning Nonrefundability of Advanced Fee | NO | Signature of Borrower and Broker Required |
| Connecticut | Connecticut Dual Capacity Disclosure | NO | As Applicable |
| District of Columbia | DC Disclosure of Dual Capacity | NO | Borrower Signature Required |
| Delaware | Disclosure of Itemized Schedule of Charges (at time of application) | YES | As Applicable |
| Delaware | Mortgage Broker Agreement | NO | As Applicable |
| Delaware | Written Commitment (if applicable) | YES | As Applicable |
| Florida | Florida Conflict of Interest Notice | NO | As Applicable |
| Georgia | GA Advance Fee Application Fee Disclosure | YES | As Applicable |
| Georgia | GA Acknowledgement of Receipt of Georgia Advance Fee Application Fee Disclosure | NO | Borrower Signature Required |
| Indiana | Indiana Loan Broker Agreement | NO | Signature of Borrower and Broker Required |
| Kansas | Kansas Dual Capacity Disclosure | NO | As Applicable |
| Louisiana | Loan Brokerage Agreement and Disclosure Statement | NO | Signature of Borrower and Broker Required |
| Louisiana | Mortgage Loan Origination Agreement | NO | Signature of Borrower and Broker Required |
| Maine | Disclosure of Consumer | YES | As Applicable |
| Maine | Broker Agreement | NO | Borrower Signature Required |
| Maryland | Anti-Steering Disclosure | NO | Signature of Borrower and Broker Required |
| Maryland | Broker Agreement | NO | Borrower and Broker Signature Required |
| Minnesota | Agency Relationship | YES | As Applicable |
| Missouri | Missouri Brokerage Agreement and Disclosure | NO | As Applicable |
| Montana | Mortgage Loan Origination Disclosure | YES | Signature of Borrower and Loan Originator Required |
| Nebraska | Loan Broker Disclosure | NO | As Applicable |
| Nebraska | Loan Brokerage Agreement | NO | Borrower and Broker Signature Required |
| Nebraska | Nebraska Dual Capacity Disclosure | NO | As Applicable |
| Nevada | Borrower's Acknowledgment and Agreement Concerning Dual Capacity as Real Estate Sales Agent and Mortgage Loan Agent | NO | Signature of Borrower and Broker / Agent required |
| Nevada | Advance Fee Agreement | NO | Borrower Signature Required |
| Nevada | Disclosure of Fees Earned by Mortgage Broker | YES | As Applicable |
| Nevada | Nevada “Commercially Reasonable Means or Mechanism” Worksheet | YES | Signature of Borrower and Broker Required |
| Nevada | Disclosure and Acknowledgment of Involvement | NO | Signature of Borrower and Broker Required |
| New Jersey | New Jersey Mortgage Broker Disclosure | NO | Borrower Signature Required |
| New Mexico | New Mexico Float / Lock Disclosure | YES | Signature of Borrower and Broker Required |
| New York | New York Pre-Application Disclosure and Fee Agreement For Use By New York Registered Mortgage Brokers | NO | Borrower signature and signature of Loan Officer Required |
| New York | New York FHA Mortgage Loan Correspondent Disclosure (FHA loans only) | YES | As Applicable |
| New York | New York Disclosure Regarding Dual Agency Role in Residential Real Estate Transactions | NO | Signature of Borrower / Buyer and Seller required |
| North Carolina | North Carolina Office of the Commissioner of Banks Fee Information From Your Mortgage Broker | YES | Signature of Borrower and Broker Required |
| North Carolina | North Carolina Acknowledgment of Fixed Rate Loan Terms and Costs (Applies only to Rate Spread ARM loans) | NO | As Applicable |
| Oklahoma | Disclosure of Advance Fees | NO | As Applicable |
| South Carolina | Mortgage Broker Fee Agreement | NO | As Applicable |
| South Carolina | South Carolina Regulatory Agency to Receive Borrower Complaints | YES | Borrower Signature Required |
| Tennessee | Tennessee Application Deposit Agreement (Applicable on loans with POC fees) | YES | Signature of Borrower and Broker Required |
| Texas | Disclosure of Multiple Roles in a Consumer Real Estate Transaction (Purchase transactions) | NO | As Applicable |
| Texas | Texas Mortgage Company Disclosure (Applicable to brokers licensed as Mortgage Companies) | YES | As Applicable |
| Texas | Texas Mortgage Banker Disclosure (Applicable to brokers licensed as Mortgage Bankers) | YES | As Applicable |
| Vermont | Vermont Broker / Prospective Borrower Agreement | NO | Signature of Borrower and Broker Required |
| Virginia | Mortgage Broker Agreement | NO | Borrower Signature Required |
| Virginia | Dual Capacity Disclosure | NO | Borrower Signature Required |
| Washington | Washington Availability of Appraisal or Other Loan Valuation Docs Disclosure | YES | Borrower Signature Required |
| Washington | Washington Disclosure Form | YES | Borrower Signature Required |
| Washington | Washington Loan Brokerage Agreement | NO | Borrower Signature Required |
| Washington | Washington Conflict of Interest Disclosure | NO | Borrower Signature Required |
| Washington | Washington Funds Held in Trust | NO | Borrower Signature Required |
| Wisconsin | Mortgage Broker Agreement | NO | As Applicable |
| Wisconsin | Consumer Disclosure Statement for Brokerage Services | YES | As Applicable |
| Wyoming | Mortgage Brokerage Agreement | NO | As Applicable |
Government Agency Approvals
FHA Non-Supervised Mortgagee Approval #:
24751-0000-5
24751-0000-5
VA Automatic Lender Approval #:
902324-00-00
902324-00-00
Mortgagee/Loss Payee Clause
Carrington Mortgage Services LLC
ISAOA/ATIMA
P.O. Box 692408
San Antonio, TX 78269-2408
ISAOA/ATIMA
P.O. Box 692408
San Antonio, TX 78269-2408
Industry Links
Loan Limits LookupMortgage LettersThis information is provided for your convenience and Carrington Mortgage Services, LLC makes no warranties concerning the accuracy or completeness of any of the information. This is not financial or legal advice and should not be taken as such. This information is for mortgage professionals only and is not intended for distribution to consumers.
An Equal Housing Opportunity Lender. Copyright 2007 -
2025
. Carrington Mortgage Services, LLC headquartered at 1600 South Douglass Road, Suites 110 & 200-A, Anaheim, CA 92806. NMLS ID # 2600. Toll Free # 800-561-4567. All rights reserved. Restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: