| Submission Forms | Link to Form | Description |
|---|---|---|
| Underwriting Submission Summary (Required) | Download Form | Required for all Non-Delegated loan submissions |
| EZCalc Form | Download Form | We will provide an estimated income calculation for your bank statement income based on the information you provide on the form (please complete accurately). For Bank Statement Calculations Only - complete the top three sections of the form and e-mail it along with your most recent 12 months banks statements to EZcalc@lsmortgage.com. |
| Self Employed Business Narrative | Download Form | Required for Non-Delegated Bank Statement submissions |
| Business Purpose & Occupancy Affidavit | Download Form | NonQM Business Purpose Loans |
| Personal Guaranty | Download Form | NonQM Loans closing in an entity |
| Borrower Contact Consent | Download Form | NonQM Loans: To assist the loan servicer in contacting the borrower in a timely manner, LSM is required to obtain a valid phone number for the borrower(s). The phone number can be collected on the 1003 loan application or by using the Borrower Contact Consent Form |
| Condo Review Checklist | Download Form | This form is optional to assist you with a condo loan. |
| Condo HOA Full Review | Download Form | This form is optional to assist you with a condo loan. |
| Condo HOA Limited Review | Download Form | This form is optional to assist you with a condo loan. |
| Helpful Tips | Link to Form | Description |
|---|---|---|
| Closed Loan Delivery Checklist | Download Form | All Loans: For your closing packages, use this checklist to confirm all required docs are included. |
| Prepayment Penalty Matrix | Download Form | NonQM Business Purpose Loans |
| Bank Statement Helpful Tips | Download Form | NonQM Bank Statement: For your non-delegated submissions, use this checklist to confirm all required docs are included. |
| FHA Helpful Tips | Download Form | FHA Loans: For your non-delegated submissions, use this checklist to confirm all required docs are included. |
| VA Helpful Tips | Download Form | VA Loans: For your non-delegated submissions, use this checklist to confirm all required docs are included. |