California Borrowers Certification of Inventory
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FAQ
The first is that you certify that all information you have given ? on the application, and in subsequent paperwork ? is true and complete. Secondly, you are authoring the release of credit, employment, and other information as needed to process and close your home loan.
I hereby authorize the Lender/Broker to verify my past and present employment earnings records, bank accounts, stock holdings, and any other asset balances that are needed to process my mortgage loan application.
Lenders and borrowers each contribute between 2.0% and 3.5% of the total loan amount to the lender's CalCAP loan loss reserve account.
Borrower Certification means, with respect to any request for a Loan, a certification of the Borrower stating that (i) no Default or Event of Default will occur or be continuing after giving effect to such Loan, and (ii) the proceeds of such Loan will be used solely for Permitted Uses.
The California Capital Access Program for Small Business (CalCAP SB or Program) encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. CalCAP is a loan loss reserve program which may provide up to 100% coverage on certain loan defaults.
