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Conventional Product Forms & Exhibits
FHA Product Forms & Exhibits
MCC Tax Advantage Product Forms & Exhibits
Home Improvement Product Forms & Exhibits
Rev
Form
Purpose
Use When
1/19 Form 1
Delegated Administrator New Lender Set Up
To assist with setting up WHEDA-Connect After approval - required
12/16 Form 2 
Borrower’s Affidavit 
Determines income for all household occupants for compliance with county income limits Submit with Application Package. Must be signed by all borrowers.
3/10 Form 3 
Residential Loan Application 
Addendum
Verifies type of credit. Used to comply with WI Martial Property Act Submit with Application Package. Must be signed by all borrowers.
12/14

Form 4 
Acknowledgment of 
Federal Recapture
Tax Requirements
Informs borrower of potential recapture tax Submit with Application Package for FTHB only. 

6/20 Form 6
Application Package 
Checklist
Ensures all forms and documents are submitted Submit with Application Package.
10/15 Form 6f 
Release of Liability 
Application Package 
Checklist
Ensures all forms and documents are submitted Contact WHEDA at 800-562-5546. 

11/18 Form 7 
Funding Request
Request funds for all loan products Submit 2 business days prior to the closing date.
11/11 Form 11 
Gift Affidavit  
Used if gifted funds will be used as funds to close. Lender may use their own version of this form Submit with Application Package.
6/20 Form 12 
Closing Package Checklist
Ensures all forms and documents are submitted Submit with Closing Package.
01/19

Form 14 
Lender Training Request

To request training on WHEDA programs  As needed. 
2/10 Form 16 
Lender Changes
Inform WHEDA of changes in lender information (address, contact person, etc.) As needed.
6/15 Form 17 
Authorization 
Agreement for ACH 
Transfers
Authorizes WHEDA to credit lender’s account via Automate Clearing House (ACH) Submit when becoming a participating lender or when changes to ACH accounts are needed.
3/16 Form 23 
Automatic Payment 
Withdrawal Form
Authorizes WHEDA to debit borrower’s depository account for WHEDA loan payments Submit with Closing Package. Signed by borrower at closing.
2/10 Form 24 
Compliance Income Calculation
Worksheet 
Tool to calculate compliance income Determining borrower eligibility.
9/15 Form 27 
TPO Authorization 
Form
Inform WHEDA of participating TPOs Authorizing a TPO to originate on your behalf.
6/20 Form 29 
Compliance Income Evaluation  
Tool for lender to receive compliance income guaranty from WHEDA As needed
12/14 Form 34 
Lender Application
Application for becoming a WHEDA approved lender New lender application or annual recertification.
5/10 Form 35 
Certification of Zero Income
Affidavit that borrower has no income As needed
 10/18 Form 38
HomeStyle® Renovation Contract Agreement
HomeStyle® Renovation Contract Agreement Submit with Application Package.  Must be signed by the borrower(s) and Contractor(s)
 10/18 Form 39
HomeStyle® Renovation Loan Agreement 
HomeStyle® Renovation Loan Agreement Submit with Application Package.  Must be signed by the borrower(s) and Lender
10/18  Form 40
HomeStyle® Renovation Multi Disbursement Form
HomeStyle® Renovation Multi Disbursement Form Submit with paid receipts and lien waivers. 
12/18 Form 41
HomeStyle® Renovation Maximum Mortgage Worksheet
HomeStyle® Renovation calculation of maximum mortgage and renovations Must be submitted with Application package
11/18 Form 42
HomeStyle® Renovation Contractor Acknowledgement 
HomeStyle® Renovation Contractor acknowledgement of HomeStyle® terms As needed
11/18 Form 43
HomeStyle® Permit Certification
HomeStyle® Renovation request to municipality to confirm needed permits As needed
3/19  Form 44
HomeStyle® Renovation Pre-Close Review Request
For use by Correspondent Lenders to receive WHEDA Certification on mortgage/renovation calculation, & scope of work eligibility  Submit this form and required documentation prior to closing a HomeStyle® Renovation loan.
3/19 Form 45
Correspondent Pre-Delegated Review Request
For use by New Correspondent Lenders to receive WHEDA certification on mortgage eligibility prior to receiving full delegated authority  Submit this form and required documentation after lender underwriter has reviewed the file, but prior to lender issuing an approval
 12/19 Form 47
Tax Consent 
Allows WHEDA to share tax return information with third parties.  Submit for all loans where tax returns/transcripts were obtained
11/18 Form 1204
HomeStyle® Renovation Mortgage Consumer Tips
Helpful tips and information for Borrower(s) Submit with Application Package.  Must be signed by the borrower(s) and Lender
6/20 Attestation of Income Understanding of Forebearance

Ensure compliance of income used to qualify the borrower

At closing for all loans.

2/20 Exhibit 4 
Schedule of Fees  
Fees charged for various services As needed
3/11 

Exhibit 5 
Confirmation of 
Receipt of 
Appraisal Report
  
Borrower acknowledges they received a copy of the property appraisal As needed 

9/16 Exhibit 7 
Recapture Tax 
Reimbursement
To request reimbursement of recapture tax paid As needed
10/18 Exhibit 9 
Finance Charges
Used to determine fees included in the APR calculation When preparing the truth in lending disclosure.
7/14 Exhibit 13
Delegated Administrator (DA) Agreement 
Used to authorize user for WHEDA-Connect  New lender application or change in Delegated Administrator

 

Rev Form Purpose Use When
2/20 Form 1a 
Loan Registration Form
Request FHA Case # from WHEDA   Processing a WHEDA FHA Advantage loan as a Sponsored Originator 
12/16 Form 2 
Borrower's Affidavit
Disclosure of income for all household occupants for compliance with county income limit Submit with Application Package. Must be signed by all borrowers
3/10 Form 3 
Residential Loan Application Addendum
Verifies type of credit, used to comply with WI Marital Property Act Submit with Application Package. Must be signed by all borrowers

6/20

Form 6
Application Package Checklist
Checklist for lenders to ensure all forms and documents are submitted Submit to WHEDA for underwriting
11/18 Form 7 
Funding Request
Request funds for all loan products Submit 2 business days prior to the loan closing date
11/11 Form 11 
Gift Affidavit
Used if gift funds will be used as funds to close. Lender may use their own version of this form Submit with Application Package
6/20 Form 12 
Closing Package Checklist
Checklist for lender to ensure all forms and documents are submitted Submit with Closing Package
2/10 Form 16 
Lender Changes
Informs WHEDA of changes or corrections in an institution’s name, contact person, address and telephone number Submit to WHEDA when notification is necessary
6/15 Form 17 
Authorization Agreement for ACH Transfers
Authorizes WHEDA to credit lender’s account via Automated Clearing House (ACH) Submit when becoming a participating lender or when changes to ACH accounts are needed
3/16 Form 23 
Automatic Payment Withdrawal Form
Authorizes WHEDA to debit borrower’s depository account for WHEDA loan payments Submit with Closing Package. Signed by borrower at closing
2/10 Form 24 
Compliance Income Calculation worksheet
Tool for lender to assist in determining Compliance Income As needed
6/20 Form 29 
Compliance Income Evaluation
Tool for lender to receive a Compliance Income guaranty from WHEDA As needed
5/14 Form 34 
Lender Application
Application for becoming a WHEDA approved lender New lender application or annual recertification
6/20 Form 34c 
Originator Application
Application to submit FHA loan applications As needed
5/10 Form 35 
Certification of Zero Income
Affidavit that borrower has no income As needed
8/11 Form 36 
Affidavit of Identity of Interest
Used to document variances in borrower name Submit with Application Package
3/19 Form 45
Correspondent Pre-Delegated Review Request
For use by New Correspondent Lenders to receive WHEDA certification on mortgage eligibility prior to receiving full delegated authority  Submit this form and required documentation after lender underwriter has reviewed the file, but prior to lender issuing an approval
 12/19 Form 47
Tax Consent 
Allows WHEDA to share tax return information with third parties.  Submit with Application Package for all First Mortgage loans. 
4/20 Attestation of Income Understanding of Forebearance

Ensure compliance of income used to qualify the borrower

At closing for all loans.

2/20 Exhibit 4 
WHEDA Schedule of Fees
Breakdown of fees for various services As needed
3/11 Exhibit 5 
Confirmation of Receipt of Appraisal
Signed by borrower to verify receipt of appraisal Submit with the Closing Package
10/15 Exhibit 9 
Finance Charges
Used to determine fees included in the APR calculation When preparing the truth in lending disclosure
7/14 Exhibit 13
Delegated Administrator (DA) Agreement 
Used to authorize user for WHEDA-Connect  New lender application or change in Delegated Administrator

 

Rev
Date
Form Purpose Use When
12/19 MCC-001
Reservation Package Checklist 
To reserve a MCC  Submit after receipt of a signed and accepted Offer to Purchase 
4/13 MCC-002 
Request for Conditional Commitment
Applicant attestations  Submit with the Reservation Package Checklist 
4/13 MCC-003 
Acknowledgment of Federal Recapture Tax Requirements 
Applicant’s acknowledgement of recapture tax provision  Submit with the Reservation Package Checklist 
2/15 MCC-004 
Income Tax Affidavit 
Applicant’s explanation for missing tax returns  Submit with the Reservation Package Checklist 
11/18 MCC-005
Closing Package Checklist 
Confirmation of loan closing  Submit within 10 business days of loan closing 
5/13 MCC-006
Lender Affidavit 
Lender attestations  Submit with the Closing Package Checklist 
4/13 MCC-007 
Seller’s Affidavit 
Seller attestations Submit with the Closing Package Checklist 
4/13 MCC-008 
Closing Affidavit 
Applicant reaffirmations  Submit with Closing Package Checklist 
4/13 MCC-009
Owner Occupancy Certification 
Applicant attestations  Request for reissuance if the first mortgage is refinanced 
5/13 MCC-010
Participation Agreement
Lender Eligibility  Submit prior to submitting a reservation request 
6/20 MCC-011
Reissue Request
Borrower request to reissue a MCC Within 1 year of a refinance
 12/19 Form 47
Tax Consent 
Allows WHEDA to share tax return information with third parties.  Submit for all loans where tax returns/transcripts were obtained
4/20 Attestation of Income Understanding of Forebearance

Ensure compliance of income used to qualify the borrower

At closing for all loans.

4/13   Exhibit 1
Tax Credit Worksheet 
Example of  how to calculate the monthly benefit to the borrower for qualifying income purposes  May be provided to the applicant to demonstrate the benefit of the MCC 
9/15   Exhibit 2
Schedule of Fees 
Conveys MCC processing fees  Refer to as needed 
9/14 Exhibit 12
Training Request Form 
To identify program training As needed

 

Rev Form Purpose Use When
9/16 Form 1A
Rate Lock Management Form 
Locks interest rate on the Home Improvement Loan for 45 days Fax to WHEDA prior to submitting the application for underwriting
12/19 Form 1 
Application Package Checklist
Checklist for lender to ensure all forms and documents are submitted Submit to WHEDA for underwriting
9/16 Form 2 
Borrower's Affidavit
Disclosure of income for all household occupants for compliance with county income limit Submit with Application Package. Must be signed by all borrowers
9/16 Form 3 
Funding Certificate
Requests funds for loan closing Submit by noon the day prior to the disbursement date
9/16 Form 4 
Closing package Checklist
Checklist for lender to ensure all forms and documents are submitted Submit with Closing Package within 15 days of closing
 12/19 Form 47
Tax Consent 
Allows WHEDA to share tax return information with third parties.  Submit for all loans where tax returns/transcripts were obtained
4/20 Attestation of Income Understanding of Forebearance

Ensure compliance of income used to qualify the borrower

At closing for all loans.

9/14 Exhibit 12 
Training Request Form 
To identify program training As needed