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State Requirements

AFR requires all refinances in all states to have a fully executed completed NTB worksheet in the loan file. See the table below for signature and state specific worksheet requirements.

StateWhen SignedSigned byForm
AlaskaAt loan decisionBorrower Net Tangible Benefit Form
ArkansasAt applicationBorrower Net Tangible Benefit Form
Colorado*At applicationBorrower, Originator, AFR UW, CDE UW if CDE loan Net Tangible Benefit Form
Illinois*At loan decisionBorrower Net Tangible Benefit Form
MaineContact usContact us Net Tangible Benefit Form
Maryland*At loan decisionBorrower Net Tangible Benefit Form
Massachusetts*At loan decisionAFR UW, CDE UW if CDE loan Net Tangible Benefit Form
MinnesotaAt loan decisionBorrower, AFR UW, CDE UW if CDE loan Net Tangible Benefit Form
North Carolina At loan decisionBorrower, Originator, AFR UW, CDE UW if CDE loan Net Tangible Benefit Form
Rhode IslandAt loan decisionBorrower, Originator, AFR UW, CDE UW if CDE loan Net Tangible Benefit Form
South Carolina*At loan decisionBorrower, Originator, AFR UW, CDE UW if CDE loanContact us
West VirginiaAt loan decisionBorrower, Originator, AFR UW, CDE UW if CDE loan Net Tangible Benefit Form
All Other StatesAt loan decisionAFR UW, CDE UW if CDE loan Net Tangible Benefit Form