
Welcome to the Retail Website!


Helpful Links
Document Library
Document Library
NEW & Recently Updated Forms
Borrower's Certification & Authorization Form
Vendor Request Form
Hold Harmless Agreement-generic form
USDA 3555-21
Seller Funded Escrow Repair Agreement
Buyer Funded Escrow Repair Agreement
Fee Template Form NEW! 12/13/22
General Loan Documents
NEW Closing Request - Processor
COC for Re-disclosure of LE or ICD
Power of Attorney-approved form
Lead Based Paint Disclosure-for dwellings built prior to 1978
Appraisal Credit Card Auth Form
Condo Questionnaire Short Form
Itemization of Credits Worksheet
Income Worksheets
FSB Wage Earner Income Calculation Worksheet
Retail Forms for use with Borrower - these forms have been left as word documents to allow for customization of the documents to meet the loan needs. If you are a branch that uses your logo, feel free to update the information accordingly!
Loan Status Update for RE Agents-instructions
Loan Status Update for RE Agents-form
POD Letter-Redisclosures
POD Letter-Initial Disclosures
Government Loan Docs - New Construction
New Construction Document Checklist-updated October 2020
USDA New Construction Docs
Plan Certification-USDA Form RD 1924-25
FHA & VA New Construction Docs
Builders Certificate-form 92541
Warranty of Completion of Construction-HUD form 92544-A/VA form 26-1859
Builder Cabo and Lead Water Cert
Termite Protection-Form NPMA 99a
Termite Protection-Form NPMA 99b
(both forms must be submitted)
VA Not Inspected Acknowledgment-for New Construction Form

Useful Charts & Calculators
Useful Charts & Calculators
The charts provided are to be used as reference material. It is possible overlays exist that will adjust the information contained in the charts with our investors.
Document Library is to the left side of the page!
Document Library is to the left side of the page!
Mortgage Support Update-July, 2022
Mortgage Support Update-July, 2022
Items Mortgage Support will help with:
-Income calculations for Net rental income, and SAM worksheets for S/E borrowers.
-Guideline/scenario research
-FHLB grant submission/disbursements
-IBTS orders
-VA entitlement worksheets
Please see the email to FSB mortgage staff dated July 22,2022 with subject "Mortgage Support" for additional information.
Mortgagee Clause & Agency ID #'s
Mortgagee Clause
Flanagan State Bank
ISAOA
333 Chicago Road
PO Box 302
Paw Paw, IL 61353
Always include the Loan Number!
Agency ID #'s
FHA ID: 2760600034
*please note this has been updated to be different for each branch, inquire with your sales manager about the correct ID*
VA ID: 7095710000
Tax ID: 37-0276830
FHMLC Seller ID: 129359
Self-Employed Borrower Income Review
Self-Employed Borrower Income Review
Income Reviews - Income Request Form NEW!
Mortgage Support will review any self-employed income situation to help determine the income that will be used for Qualifying or Annual income if USDA. Please send us the income documentation as it pertains to the borrower's situation.
(file Sch C, Sch E, or Sch F) - provide all pages of personal tax returns for the most recent 2 years. If a Sch E shows K-1 income/loss, provide the K-1's and business returns for the most recent 2 years.
*Please see the Retail Memo on 2/7/2022 for the most up to date Conventional Self-Employment Guidelines*

2023 FHLB Grants
2023 FHLB Grants
Mortgage Support reviews & submits the grant requests to FHLB. The request from the LO for this grant should be made early in the loan process but after the borrower has signed the initial loan disclosures.
Find the full program details here:
- Does your borrower meet the income limits for the program? Check here: FHLB HUD Income Guidelines
- or here: https://www.huduser.gov/portal/datasets/il.html
All docs should be labeled according to the Reservation Document Checklist
2023 Required Grant Forms:
Household Member Questionnaire - one per borrower/household member (must be signed)
Income Calculation Workbook- must include VOE or paystubs used to complete. If VOE, at least 1 paystub must be included. Award letters required if this is the income source. Self employed borrowers to provide 2 years tax returns and current YTD P&L.
Certification of Tip Income - when applicable
Certification of Zero Income - when an applicant does not have any income to verify
Rehab Repair Worksheet- NEW 2023
- If purchasing a 2-unit property, a lease agreement or appraisal with market value rents will be needed for submission.
- Related party transactions require an appraisal.
Use Homebuyer Education & Counseling link below!
Please include cost of Homebuyer Education on the Loan Estimate to allow for reimbursement at closing to borrower. Click here for DPP Homebuyer Education & Counseling link.

IBTS Order Process
IBTS Order Process
All IBTS orders for Manufactured home certifications will be requested through Mortgage Support. To request your order, please use the order form below and send your request to Mortgage Support. Don't forget to disclose or re-disclose for this cost!
IBTS Man Home Certification Order Form UPDATED 7.5.22 FOR PRICE INCREASE