A state-by-state reference identifying disclosure, acknowledgment, spousal consent, homestead waiver, or community property requirements for Title Only/Non-Borrowing Owner transactions. The matrix also outlines required delivery timing and provides the applicable statutory citation for each state.
© 2026 ARDRI LLC. NMLS #2495114. Rates, fees and programs are subject to change without notice. Other restrictions may apply. This information is intended solely for mortgage bankers, mortgage brokers, financial institutions and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. www.nmlsconsumeraccess.org.