Illinois required documents

Illinois requires a Borrower Information Document delivered before the applicant signs a completed application or gives any consideration. The document must include: Regulatory Disclosure Statement, significant information affecting processing, "Your Home Loan Toolkit" (purchase loans), Good Faith Estimate or Loan Estimate, copy of the loan application, Mortgage Escrow Account Act document and related closing document (for certain purchases), Consumer Handbook on Adjustable Rate Mortgages (ARMs), documents upon request (sample forms and underwriting standards), and a dated acknowledgment of receipt. All required at the pre-application/pre-consideration stage; no additional state-specific documents at other milestones beyond federal requirements.