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  • Multi-state Borrower Benefit Worksheet. Multi-state Borrower Benefit Worksheet

Get Multi-state Borrower Benefit Worksheet. Multi-state Borrower Benefit Worksheet

MULTI-STATE BORROWER BENEFIT WORKSHEET The f ollowing w orksheet must be used on all refinance transactions, except for a refinance into a payment option loan. A dditional information may be provided.

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How to fill out the MULTI-STATE BORROWER BENEFIT WORKSHEET online

Filling out the MULTI-STATE BORROWER BENEFIT WORKSHEET is a crucial step in the refinancing process. This guide provides a clear and user-friendly approach to completing the form accurately and efficiently to ensure you reap the benefits of your refinancing.

Follow the steps to complete the MULTI-STATE BORROWER BENEFIT WORKSHEET.

  1. Click ‘Get Form’ button to obtain the form and open it in the editing interface.
  2. Begin by entering the loan number at the top of the form. This identifier is essential for tracking the loan.
  3. Fill in the borrower name(s). Ensure that all names match the official identification documents of the individuals involved.
  4. Input the lender's name accurately as it appears on any loan documentation.
  5. Provide the property address that is associated with the refinancing loan. Ensure that it is complete and correct.
  6. In the loan information section, enter pertinent details of the new loan including: loan date, amount, term (in months), type of loan, current note rate, index and margin (if it's an adjustable-rate mortgage), initial rate expiration, monthly payment amount, and total cost of the new loan.
  7. Next, provide information on the previous loan. This includes entering the loan amount and relevant details about its structure.
  8. Indicate whether there is a prepayment penalty applicable to the previous loan and detail its duration and type, if applicable.
  9. Complete sections on debt-to-income level and special mortgages, if applicable, indicating any relevant financial circumstances.
  10. Select the benefits the borrower will receive from refinancing, ensuring at least one benefit is checked.
  11. Add any additional information on supplemental sheets if the allotted space is insufficient.
  12. Finally, review all entries for accuracy before signing. Don't forget to save changes and choose your preferred option to download, print, or share the completed form.

Start your online process today to complete the MULTI-STATE BORROWER BENEFIT WORKSHEET.

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Loan #: MIN: This worksheet is to be used in the determination of a borrower's tangible net benefit as the benefit relates directly to the new loan extended. Additional information may be provided on supplemental sheets or on the reverse if the fields below are insufficient.

FHA defines a net tangible benefit as the mortgage payment dropping by at least 5%. The reduction must factor in principal, interest, and mortgage insurance. For example, a borrower currently has a 30 year fixed note rate at say 5% on a $200,000 loan.

A state specific NTB test will be required in CO*, MA, MD, ME, RI, SC, VA and WV.

Benefit to the borrower Fannie Mae requires borrowers to get a material benefit from the mortgage refinance — also known as a net tangible benefit.

A tangible net benefit (alternatively referred to as a “net tangible benefit”) can be thought of as the financial advantage a client gains by refinancing.

The Lender must determine that there is a net tangible benefit to the Borrower meeting the standards in the applicable chart below for Streamline Refinance transactions without a reduction in term. Fixed Rate Refinance At least 0.5% points below the prior Combined Rate. At least 2% points below the prior Combined Rate.

Moving From An ARM To A Fixed-Rate Mortgage The first instance where refinancing would have a tangible net benefit would be switching from an adjustable rate mortgage (ARM) to a fixed-rate mortgage.

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© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232
Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
Privacy Notice
Legal Hub
Content Takedown Policy
Bug Bounty Program
About Us
Help Portal
Legal Resources
Blog
Affiliates
Contact Us
Delete My Account
Site Map
Industries
Forms in Spanish
Localized Forms
State-specific Forms
Forms Kit
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate WorkFlow
DocHub
Instapage
Social Media
Call us now toll free:
+1 833 426 79 33
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232