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1. Adjustable Rate Provisions: Required for adjustable-rate mortgages (ARMs), detailing rate adjustment terms

2. Prepayment Penalties: Include when the loan includes prepayment penalty terms

3. Private Mortgage Insurance: Required when down payment is less than 20% of property value

4. Construction Provisions: Include for construction-to-permanent loans

5. Condominium/HOA Provisions: Required when property is part of a condo or homeowners association

6. Second Home/Investment Property Riders: Include when property is not a primary residence

7. Escrow Waiver: Include when borrower is permitted to pay taxes and insurance directly

8. Balloon Payment Provisions: Required for loans with balloon payment terms

1. Schedule A - Property Description: Detailed legal description of the property including lot numbers, boundaries, and easements

2. Schedule B - Payment Schedule: Amortization schedule showing payment breakdown over loan term

3. Schedule C - Insurance Requirements: Detailed insurance requirements including coverage types and amounts

4. Schedule D - Initial Disclosure Statement: Truth in Lending disclosures including APR and finance charges

5. Appendix 1 - ARM Information: For adjustable-rate mortgages: index, margin, adjustment caps, and examples

6. Appendix 2 - Escrow Analysis: Initial escrow account analysis and projected payments

7. Appendix 3 - Required State Disclosures: State-specific disclosures and notices

8. Appendix 4 - Closing Cost Summary: Detailed breakdown of all closing costs and fees