Forms | WHEDA

Conventional Product Forms & Exhibits

FHA Product Forms & Exhibits

MCC Tax Advantage Product Forms & Exhibits

HomeStyle Renovation Product Forms & Exhibits

Home R & R Products Forms & Exhibits

HILP Product Forms and Exhibits

Rev	Form	Purpose	Use When
7/20	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 Marital 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.
8/5/24	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.
8/5/24	Form 12 Closing Package Checklist	Ensures all forms and documents are submitted	Submit with Closing Package.
2/10	Form 16 Lender Changes	Inform WHEDA of changes in lender information (address, contact person, etc.)	As needed.
3/22	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 (PDF) Compliance Income Calculation Worksheet	Tool to calculate compliance income	Determining borrower eligibility.
5/2022	(Excel) 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.
10/24	Form 29 Compliance Income Evaluation	Tool for lender to receive compliance income guaranty from WHEDA	As needed
5/10	Form 35 Certification of Zero Income	Affidavit that borrower has no income	As needed
10/18	Form 38 Renovation Contract Agreement	HomeStyle® Renovation Contract Agreement	Submit with Application Package. Must be signed by the borrower(s) and Contractor(s)
2/22	Form 39 Renovation Loan Agreement	HomeStyle® Renovation Loan Agreement	Submit with Application Package. Must be signed by the borrower(s) and Lender
10/18	Form 40 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 Renovation Permit Certification	HomeStyle® Renovation request to municipality to confirm needed permits	As needed
10/21	Form 47 Tax Consent	Allows WHEDA to share tax return information with third parties.	Submit for all non-borrowers when tax returns/transcripts are provided
4/24	Form 48 Valuation Order Request Form	To order an appraisal in the Broker Delivery Channel	Appraisal needs to be requested for Broker Channel file
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.
4/19	Exhibit 13 Delegated Administrator (DA) Agreement	Used to authorize user for WHEDA-Connect	New lender application or change in Delegated Administrator
4/24	Exhibit 14 Broker Channel Appraisal Cost Sheet	To determine appraisal cost for Broker Channel loans	A broker channel lender requests an appraisal from WHEDA
8/24	Appraisal Appeal Form	To request a reconsideration of value in the Broker Channel	As needed

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
8/5/24	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
8/5/24	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
3/22	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 (PDF) Compliance Income Calculation worksheet	Tool for lender to assist in determining Compliance Income	As needed
5/2022	(Excel) Compliance Income Calculation Worksheet	Tool to calculate compliance income	Determining borrower eligibility.
10/24	Form 29 Compliance Income Evaluation	Tool for lender to receive a Compliance Income guaranty from WHEDA	As needed
11/20	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 any buyer and seller relationship for FHA Advantage Loans	Submit with Application Package
10/21	Form 47 Tax Consent	Allows WHEDA to share tax return information with third parties.	Submit for all non-borrowers when tax returns/transcripts are provided
4/24	Form 48 Valuation Order Request Form	To order an appraisal in the Broker Delivery Channel	Appraisal needs to be requested for Broker Channel file
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
4/19	Exhibit 13 Delegated Administrator (DA) Agreement	Used to authorize user for WHEDA-Connect	New lender application or change in Delegated Administrator
4/24	Exhibit 14 Broker Channel Appraisal Cost Sheet	To determine appraisal cost for Broker Channel loans	A broker channel lender requests an appraisal from WHEDA
8/24	Appraisal Appeal Form	To request a reconsideration of value in the Broker Channel	As needed

Rev Date	Form	Purpose	Use When
10/21	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
3/22	MCC-009 Owner Occupancy Certification	Applicant attestations	Request for reissuance if the first mortgage is refinanced
3/22	MCC-010 Participation Agreement	Lender Eligibility	Submit prior to submitting a reservation request
3/22	MCC-011 Reissue Request	Borrower request to reissue a MCC	Within 1 year of a refinance
10/21	Form 47 Tax Consent	Allows WHEDA to share tax return information with third parties.	Submit for all non-borrowers when tax returns/transcripts are provided
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
11/20	Form 38 Renovation Contract Agreement	Renovation Contract Agreement	Submit with Application Package. Must be signed by the borrower(s) and contractor(s).
2/22	Form 39 Renovation Loan Agreement	Renovation Loan Agreement	Submit with Application. must be signed by the borrower(s) and lender.
11/20	Form 40 Renovation multi Disbursement Form	Renovation Multi Disbursement Form	Submit with invoices 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 Renovation Permit Certification	HomeStyle® Renovation request to municipality to confirm needed permits	As needed
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
4/24	Exhibit 14 Broker Channel Appraisal Cost Sheet	To determine appraisal cost for Broker Channel loans	A broker channel lender requests an appraisal from WHEDA

Rev	Form	Purpose	Use When
12/24	HI Form 1a Registration and Lock Request	Request to register and lock a new Home R & R or R & R Plus Loan	Prior to submitting a new Home R & R or R & R Plus loan for review
12/24	HI Form 1 Application Package Checklist	Checklist for lender to ensure all forms and documents are submitted for a Home R & R and R & R Plus Loan	Submit with all documentation listed to WHEDA for underwriting
9/24	RR Form 2 Borrower’s Affidavit	Disclosure of income for all household occupants for Compliance with income limits and Home R & R and R & R Plus loan requirements	Submit with Application Package. Must be signed by all Borrowers.
12/24	HI Form 3 Funding Request	Request funds for Home R & R or R & R Plus Loans	Submit 2 business days prior to loan funding date
12/24	HI Form 4 Closing Package Checklist	Checklist for lender to ensure all forms and documents are submitted for a Home R & R or R & R Plus Loan	Submit with Closing Package
9/24	HI Form 5 Home Improvement Loan Maximum Mortgage Worksheet	Home Improvement loan calculation of maximum mortgage and renovation amount	Must be submitted with Application Package
3/10	Form 3 Residential Loan Application Addendum	Verifes type of Credit. Used to comply with WI Martial Property Act	Submit with Application Package. Must be signed by all Borrowers
11/11	Form 11 Gift Affidavit	Used if gifted funds will be used as funds to close.	Submit with Application Package
5/10	Form 35 Certification of Zero Income	Affidavit that Borrower has no income	As needed
9/24	HI Form 38 Renovation Contract Agreement	Renovation Contract Agreement	Submit with Application Package. Must be signed by all Borrowers and Contractor(s)
11/24	RR Form 39 Renovation Loan Agreement	Renovation Loan Agreement	Submit with Application Package. Must be signed at closing by all Borrowers and Lender.
10/18	Form 40 Renovation Multi Disbursement Form	Request for disbursement during repair/renovation period after closing.	Submit to Title company with paid receipts and lien waivers.
10/21	Form 47 Tax Payor Consent Form	Allows WHEDA to share tax return information with third parties	Submit for all non-Borrowers when tax returns/transcripts are provided.
4/24	Form 48 Valuation Order Request Form	To order a property valuation in the Broker channel, including Home R & R Loans.	Submit with Application Package to order an AVM for a Home R & R or R & R Plus Loan.
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.
9/24	Forgivable Note Home R & R Plus Forgivable Note	Forgivable Note for Home R & R Plus	Submit Original to WHEDA within 10 days following closing.
9/24	Forgivable Mortgage Home R & R Plus Forgivable Mortgage	Forgivable Mortgage for Home R & R Plus	Record the Mortgage following 3 day recission period. Submit a copy of the recorded document within 10 days following closing.

Rev	Form	Purpose	Use When
12/2023	HI Form 1a Registration and Lock Request	Request to register and lock a new Home Improvement Loan	Prior to submitting a new Home Improvement loan for review
12/2024	HI Form 1 Application Package Checklist	Checklist for lender to ensure all forms and documents are submitted for a Home Improvement Loan	Submit to WHEDA for underwriting
1/2023	HI Form 2 Borrower's Affidavit	Disclosure of income for all household occupants for Compliance with income limits and Home Improvement loan requirements	Submit with Application Package. Must be signed by all Borrowers.
12/2024	HI Form 3 Funding Request	Request funds for Home Improvement Loans	Submit 2 business days prior to loan funding date
12/2024	HI Form 4 Closing Package Checklist	Checklist for lender to ensure all forms and documents are submitted for a Home Improvement Loan	Submit with Closing Package
1/2023	HI Form 5 Home Improvement Loan Maximum Mortgage Worksheet	Home Improvement loan calculation of maximum mortgage and renovation amount	Must be submitted with Application Package
1/2023	HI Form 6 Scope of Work Review	Tool for lender to determine of requirement for HUD Consultant	Submit to WHEDA underwriting for review
4/2023	HILP Lender's Promotional Toolkit	Tool for lender to promote HILP
3/2010	Form 3 Residential Loan Application Addendum	Verifes type of Credit. Used to comply wiht WI Martial Property Act	Submit with Application Package. Must be signed by all borrowers
11/2011	Form 11 Gift Affidavit	Used if gifted funds will be used a funds to close.	Submit with Application Package
5/2010	Form 35 Certification of Zero Income	Affidavit that Borrower has no income	As needed
10/2018	Form 38 Renovation Contract Agreement	Renovation Contract Agreement	Submit with Application Package. Must be signed by all borrowers and Contractor(s)
11/2024	Form 39 Renovation Loan Agreement	Renovation Loan Agreement	Submit with Application Package. Must be signed by all borrowers and Lender
10/2018	Form 40 Renovation Multi Disbursement Form	Renovation Multi-Disbursement Form	Submit to Title company with paid reciepts and lien waivers
10/2021	Form 47 Tax Consent	Allows WHEDA to share tax return information with third parties	Submit for all non-borrowers when tax returns/transcripts are provided.
4/2024	Form 48 Valuation Order Request Form	To order an appraisal in the Broker channel, including Home Improvement Loans	Submit when appraisal needs to be ordered for Home Improvement loans.
11/2018	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
6/2020	Attestation of Income Understanding of Forebearance	Ensure compliance of income used to qualify the borrower	At closing for all loans.
4/2024	Exhibit 14 Broker Channel Appraisal Cost Sheet	To determine appraisal cost for Broker Channel loans	A broker channel lender requests an appraisal from WHEDA