As of 10/1/2026, new DSCR loans will use the Good Faith Estimate (GFE) and HUD-1 Settlement Statement disclosures instead of the Loan Estimate (LE) and Closing Disclosure (CD). The main changes are:

• The Disclosure Generator will produce the GFE in place of the Loan Estimate.
• The GFE and HUD-1 do not require eSignature.
• You no longer need to use the CD Request feature in JMAC Connect (new process below)

GFE Initial Disclosures still must be disclosed within 3 days of the application date.

Requesting the HUD-1

Once a loan has had an initial underwriting approval, is locked, and has had an appraisal ordered, the Loan Officer and Processor will receive an automated notification that the HUD-1 is ready to order. 

To do so, navigate to the URLA -> Additional Information page in JMAC Connect.

Click Request HUD-1, then click Save.

This field won't be available until the requirements are met. If you believe the field should be available, please contact your Account Executive.