Note: These are suggested lists. Please verify what documents need each certificate with Illinois Anti-Predatory Lending (ILAPLD). You can reach them at 888-455-2753.
Certificate of Exemption / Compliance Required
Bridge Loan
Commercial Mortgage
Construction Mortgage
First Mortgage
Forgivable Mortgage
Home Equity Line of Credit
Home Equity Loan
Junior Mortgage
Line of Credit
Loan Agreement
Mortgage
Mortgage Agreement
Mortgage and Assignment of Rents (combination document)
Mortgage and Balloon Payment
Mortgage and Fixture filing (combination document)
Mortgage and Security Agreement (combination document)
Mortgage by Corporation
Mortgage or Trust Deed to secure a Bail Bond
Open End Mortgage
Private Mortgage
Purchase Money Mortgage
Residential Mortgage
Reverse Mortgage
Revolving Credit Mortgage
Second Mortgage
Security Agreement
Senior Mortgage
Small Business Administration (SBA) Loan
Subordinate Mortgage (acts as a new second mortgage)
Subordinate Trust Deed (acts as a new second mortgage)
Trust Deed
Basically any brand new loan on real estate dated or executed (signed) on or after July 1, 2010 requires a Certificate of Exemption or Certificate of compliance.
Certificate of Exemption / Compliance Not Required
Amended or Restated Mortgage (changes to an existing mortgage)
Amendment of Mortgage (changes to an existing mortgage)
Assignment of Beneficial Interest (ABI)
Assignment of Mortgage (assigns an existing mortgage)
Assignment of Rents
Assumption of Mortgage
Chattel Mortgage (Loan secured by personal property, not real estate)
Extension Agreement or Mortgage Extension Agreement (changes to an existing mortgage)
Installment Agreement (for Deed)
Modification of Mortgage (changes to an existing mortgage)
Novation Agreement (substitution of debtors)
Recapture Agreement IHDA (for the Illinois Hardest Hit Fund - Homeowner Emergency Loan Program)
Release of Mortgage
Subordination Agreement (agreement about new loan and existing loan and their priority in the chain of title)
Subordination of Mortgage (agreement about new loan, existing loan and their priority in the chain of title)
Uniform Commercial Code (UCC) Financing Statement
Basically any document affecting a pre- existing loan on real estate and in no way creating a brand new loan does not require a certificate of exemption or compliance.
