A state-by-state reference identifying disclosure, acknowledgment, spousal consent, homestead waiver, or community property requirements for Title Only/Non-Borrowing Owner transactions. The matrix also outlines required delivery timing and provides the applicable statutory citation for each state.
This document outlines the application requirements, disclosures, and contractual framework for Third Party Originators (TPOs) seeking approval to submit both consumer and business purpose loans to ARDRI. It details required company information and documentation, broker duties and compliance obligations, fraud…
To support fast, compliant, and efficient processing, ARDRI requires specific Minimum Submission Requirements for all Consumer Purpose loans. These items ensure your file is complete for initial underwrite and disclosures, helping us meet our published SLAs and consistently close loans…
This form allows borrowers or brokers to submit bank statements as part of the Non-QM loan application process. It ensures that ARDRI can verify income, assess financial stability, and determine eligibility for alternative financing solutions.
The worksheet must be completed with respect to all residential mortgage loans secured by properties located in AR, NM, NC, SC, TX, VA, and WV.
ARDRI’s formal exception request form must be fully completed for the credit committee to evaluate the request, document the decision, and record the Exception Approval, Counteroffer, or Denial.
A brief Condo Questionnaire, to be completed by the HOA representative, used to assess whether a condo is warrantable or non-warrantable.
A one-page document that informs borrowers of the various mortgage loan options available to them.
© 2026 ARDRI LLC. NMLS #2495114. Rates, fees, and programs are subject to change without notice. Other restrictions may apply. This information is intended solely for mortgage bankers, mortgage brokers, financial institutions, and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth in Lending Act. www.nmlsconsumeraccess.org.
