On-Demand
Early Disclosures

Not Every Deal Makes It to Closing.

In California, early disclosures are due within 3 business days, even if the deal never closes. Why pay for a full doc package on a loan that might not fund?

Start with Early Disclosures for just $99.​

*Disclosure requirements and deadlines vary by state. DossDocs generates the required disclosures for your loan state.

Early Disclosures Aren’t Optional

California DRE-licensed brokers are required to provide early broker disclosures within three business days of receiving a completed written loan application.

And the DRE is not looking the other way.

DossDocs is the only loan document platform with automated broker disclosures. And we make getting them out on time easier, too. See how.

Smart
MLDS Logic

Built-in guidance directs you to the right California MLDS, 882 or 885, based on loan scenario, then auto-populates terms, fees, and disclosures.

Business Purpose Protection

Documents the borrower’s business-purpose representation under penalty of perjury, with credit and verification authorization built in.

50-State Compliant

State and federal fair lending, privacy, appraisal, and hazard insurance notices generate automatically, so nothing required is missed.

Automated Docusign Delivery

e-Sign consent plus signature tags for the borrower, lender and broker, ready to send the moment your disclosures generate.

DossDocs with Docusign® Delivery Built In

Only DossDocs takes Early Disclosures from generation to Docusign® delivery in one workflow.

No downloads. No exports. No extra steps.

With built-in Docusign® delivery, early disclosures can go straight from generated to sent for signature, instantly. Track everything from your own Docusign account.

When timing is critical, trusted tools and seamless integration matter.

On-Demand Early Disclosures

How It Works

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Create a Free MyPortal Account

Create your free account to access your loan documents.

SBA Loan Documents with DossDocs See How it Works Select Your Loan Doc Package

Select
Your Package

Select your Early Disclosures loan doc package.

SBA Loan Documents with DossDocs - How it Works-Smart Intake Questionnaire

Complete the Questionnaire

Complete a guided intake that builds your custom compliant doc set.

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Generate
Documents

Generate documents, instantly.

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Docusign®
Delivery

Route disclosures for e-signature in one click.

MyPortal: Your Loan Dashboard

No re-entering loan data. No starting over.
When the loan moves forward, return to the same transaction in MyPortal and simply upgrade to the full document set for $299 instead of the standard $399.

Built on Nearly 50 Years of Mortgage Lending Experience

DossDocs was created by one of the industry’s most respected authorities in mortgage and commercial lending law. With nearly five decades of hands-on experience drafting and refining loan documents, we bring attorney-quality documentation to your early disclosures, at a fraction of the cost.

No Subscription. No Onboarding. No Setup Fees.

Start using DossDocs On-Demand Early Disclosures instantly — no meetings, no backend setup, no contracts, no minimums.

On-Demand Early Disclosures

Watch It In Action

“We support brokers, plain and simple. For California brokers, early disclosures aren’t optional, and the DRE is writing people up for non-compliance. We’re also the only platform that generates broker disclosures, and you get every state-required disclosure in one package for $99, with an integrated Docusign delivery that streamlines the whole workflow.”

~ Aletha Nelson, Vice President of DossDocs

See how DossDocs takes early disclosures from intake to signature in minutes. This demo walks through the guided workflow, including selecting your state, smart MLDS logic that auto calculates the figures on the form, the business purpose certification, required fair lending and privacy notices, and integrated Docusign delivery.

Ready to Meet the 3-Day Deadline Every Time?

Login to MyPortal, click on “New Workflow” and select “Early Disclosure Business Purpose.”

  • 50-state coverage
  • Full lender and broker disclosure coverage
  • Fixed or variable rate support
  • Ability to take a mortgage in any two places in the U.S.
  • Real estate or personal property security, or both
  • Limited and full SBA guaranties
  • Optional LLC member pledge
  • Support for up to 4 guarantors
  • Support for up to 4 SBA fee disclosures
  • Full SBA Settlement Statement
  • Impound support
  • In-house or third-party escrow instructions included
  • Lender and broker exit fee support
  • Net funding support
  • Multiple lender, broker, third-party fee, and payoff options
  • Includes SNDA, Business Purpose Certificate, Junior Lienholder Authorization, Holdback Agreement, Non-Owner Occupancy Certificate, Trust Certificate, Environmental Indemnity, ACH Authorization, W-9, Fair Lending Disclosures, Compliance Agreement, AML Declaration, First Payment Letter, Arbitration Option, and more.
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • Residential or commercial real estate
  • Borrowers can be individuals, entities, or trusts
  • Up to 4 guarantors
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • Can be used post-closing to correct loan timelines
  • Full signature blocks
  • 50 states
  • Unlimited, free redraws on the same transaction
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Establishes lien priority and payment subordination for senior and subordinate liens
  • Automatic subordination adjustments for most modifications
  • Defines enforcement and cure rights
  • 50 states
  • Unlimited, free redraws on the same transaction
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Establishes lien priority and payment subordination for senior and subordinate liens
  • Automatic subordination adjustments for most modifications
  • Defines enforcement and cure rights
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Cover Letter that can be moved onto Your Letterhead
  • Comprehensive Pre-Negotiation Agreement
  • With or Without a General Release
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Cover Letter that can be moved onto Your Letterhead
  • Lists Events of Default
  • Confirms Cure Period
  • Computes total amount owed
  • Lists Remedies unless Defaults are cured
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Up to 4 guarantors
  • Exhibit “A” for Amounts Owed Itemized and Total
  • Exhibit “B” for Other Fees
  • Exhibit “C” for Other Conditions to Effectiveness
  • Exhibit “D” for Lender Listing
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • Residential or commercial real estate
  • Borrowers can be individuals, entities, or trusts
  • Up to 4 guarantors
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • Can be used post-closing to correct loan timelines
  • Full signature blocks
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Up to 4 guarantors
  • Notary for state where the borrowers and/or guarantors will sign
  • Keeps terms private by generating a recordable memorandum
  • Available in all 50 states
  • Fannie Mae based mortgage
  • Seller financing document set designed for residential or non-owner-occupied property
  • Full All-Inclusive Deed of Trust (AITD) functionality built-in, includes custom-drafted AITD Rider for Note and Security Instrument
  • Two-part output for the e-signable disclosures and final wet-sign promissory note and security instrument
  • Includes Promissory Note, Security Instrument with embedded riders, and full closing instructions
  • Condo and PUD Rider options embedded into the Security Instrument
  • Allows guarantors
  • Clear lien priority tracking with existing senior loans
  • Interest-only or amortized monthly payment options
  • Balloon payment support with final payoff summary
  • Prepayment penalty option with customizable terms
  • Customizable terms including interest, payment structure, grace period, and late charges
  • Seller Financing Instructions with title/escrow checklist
  • Hazard Insurance Disclosure and mortgagee endorsement setup
  • Customizable fee entries (doc prep, tax service, flood cert, etc.)
  • E-signable where permitted
  • Full TRID compliant docs – including the LE and CD
  • DocuSign active on the Consumer Bridge Loan Estimate
  • 11-month max term (11 months plus per diem interest period)
  • All federal and state disclosures for DRE and CFL licensees
  • Flexibility to put a lien on the existing home, new home or both
  • HOEPA compliance
  • 3 Day Right to Cancel if placing a lien on the existing residence
  • All calculations performed – including APR and TIP
  • Special customizable escrow instructions to the purchase escrow
  • NMLS endorsement required
  • Ability to repay & credit not relevant
  • No prepayment penalties or guaranteed interest
  • Most are Section 32 = HUD counseling & no financing of soft fees
  • 4%, 15-day late charge
  • No limitation on rates or points

Business Purpose
Construction Loan Docs Features

  • Business purpose residential or commercial real estate
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • 1st, 2nd, 3rd or 4th lien priority for each property
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Full closing instructions
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Referral fee and co-broker options
  • Up to 4 guarantors
  • Fixed or adjustable rate provisions
  • Default rate option
  • Impounds option
  • Extension option with choice of conditions
  • Line of credit option
  • Mortgage Loan Disclosure Statement for every state
  • DocuSign active on all early disclosure documents
  • CFL disclosure for CFL lenders
  • Comprehensive loan agreement
  • Comprehensive guaranty
  • Comprehensive environmental indemnity for commercial loans
  • Holdback option
  • DSCR option
  • Capital reserve option
  • Debt service reserve option
  • Interest reserve option
  • Guaranteed interest option
  • Prepayment penalty option
  • Amortized or interest only
  • Business purpose certificate
  • Non-owner occupancy declaration
  • Choice of title endorsements
  • Ability to add custom clauses or addenda to closing instructions, note, security instrument and loan agreement
  • Up to 6 payoffs
  • Many, many varieties of lender and broker fees
  • Cannabis clauses
  • PACE and HERO clauses
  • Multi-lender or single lender friendly
  • Comprehensive entity consent, LLC, GP, Corp.
  • Certification of trust for trust borrowers

Broker Investor Package Features

  • 50 States
  • Complete set of investor docs and disclosures for brokers
  • Lender/Purchaser Disclosure Statement (up to 10 investors)
  • Investor Questionnaire
  • Loan Sale and Servicing Agreement
  • IRS W-9.
  • The application generates a separate set for each investor

Business Purpose Loan Docs Features

  • Instant loan docs with unlimited, free redraws on the same transaction
  • 50 state coverage (lender state governs choice of law except security instrument)
  • Secured by residential, multi-family or commercial real estate
  • Up to 2 borrowers of ANY type (full signature blocks, not blanks)
  • Up to 2 properties cross-collateralized within any state or between any two states
  • Up to 4 guarantors
  • 1st or junior liens
  • Pre-Maturity Default Compensation Options
  • Reports Feature to save all of your data for any year end reports to regulators or for internal use
  • Balloon or amortized, up to 3 payment sequences
  • Fixed or adjustable (multiple benchmarks to choose from)
  • Closed-end or Line of Credit
  • Guaranteed Interest feature
  • Multiple prepay options such as 5-4-3-2-1 etc.
  • Full closing instructions with choice of endorsements, exceptions and title insurance amounts
  • Mortgage Loan Disclosure Statement, including new multi-state form (picks the right form and does all the math)
  • Interest reserves and holdback
  • Co-Broker and Referral Fees
  • Grace Period and Late Charge Percentages
  • Exit Fee feature
  • Appraisal Rebalance Option
  • “Bad Boy” Guaranty option
  • Special Purpose Entity (“SPE”) option
  • Non-Borrower Security Instrument Signer
  • Multitude of fees plus custom fees can be input
  • Ability to add custom clauses to note, security instrument, loan agreement and closing instructions
  • PACE and HERO clauses
  • Entity Authorization (Minutes)
  • Cannabis clauses
  • Extension options
  • Letter to senior lender for junior loans
  • Debt Service Coverage Ratio, Capital Reserve, Debt Service Reserve options
  • Full disclosures and common forms such as Loan Agreement, CFL, Fair Lending, Compliance Agreement, ECOA, Balloon Notice, Declaration of Non-Owner Occupancy, Business Purpose Declaration, Patriot Act, Arbitration, Environmental Indemnity (commercial), Trust Certification for trust loans
  • DocuSign active on all early disclosure documents
  • ACH option
  • W-9