GoDocs Commercial Loan Document Coverage

GoDocs provides a standardized core loan package with flexible, transaction-specific and optional documents that adapt to loan type, collateral, jurisdiction, and lender business practices.

I. Core / Base Loan Documents

Included in standard GoDocs origination packages across Commercial Real Estate (CRE) and applicable C&I transactions.

A. Foundational Loan Documents

These form the legal backbone of the loan and are generated on every applicable origination.

• Loan Agreement
• Promissory Note
• CRE Security Instrument
  • Mortgage
  • Deed of Trust
  • Deed to Secure Debt (state-specific)
• C&I Security Instrument
  • Security Agreement
  • General Security Agreement
  • UCC-1
• Environmental Indemnity Agreement (CRE)
• Guaranty

B. Borrower & Authority Documents

Included to evidence authority, execution, and compliance.

• Entity Borrowing Authorization
  • Corporate Resolution
  • Certification of Trust
  • Partnership Authorization
  • LLC Authorization
• Limited Power of Attorney
• Borrower Consent to the Use of Tax Return Information

C. Core Optional Documents (Lender Configuration-Based)

Available based on lender selections during onboarding.

• Separate State UCC Filings for CRE loans
• Separate Assignment of Leases (can be built into the Mortgage)
• IRS Form W-9
• Beneficial Ownership Form

D. Loan Modifications (ModDocs)

GoDocs supports post-closing loan changes for GoDocs and non-GoDocs originated loans, across CRE, C&I, and unsecured transactions. These will include:

• Loan Modification Agreement
• Entity Borrowing Authorization
• Amendment to Mortgage / Deed of Trust (when recordable modification is required)
• Modification of Loan Terms Rider

II. Closing & Funding Documents

Included when selected on a transaction basis.

• Lender Closing Instructions
• Disbursement and Funding Authorization (closing cost and funding estimate)
• ACH Payment Authorization

III. Construction & Rehabilitation Documents

Generated for applicable construction and value-add loan types.

• Repair Holdback and Security Agreement
• Assignment of Agreements, Permits, Licenses, and Approvals (includes assignment of: Contractor agreements, Architect agreements, Engineer agreements, Permits and governmental approvals)

IV. Business Purpose & InvestorDocs Disclosures

Automatically included when InvestorDocs (1–4 unit business-purpose loans) are selected.

• Certification of Non-Owner Occupancy and Indemnity
• Business Purpose of Loan Certification
• Federal Equal Credit Opportunity Act (ECOA) Notice
• Notice of Right to Receive Copy of Real Estate Appraisal Report
• Acknowledgment of Receipt of Appraisal
• Balloon Payment Disclosure
• USA PATRIOT Act Information Disclosure
• State-Specific Disclosure Documents (varies by jurisdiction; typically fair lending and insurance-related)
  • Alabama Fair Housing Law

• California - Fair Lending Notice
• California - Hazard Insurance Disclosure
• California Prepayment Waiver
• Florida Insurance and Anti-Coercion Statement
• Florida Affidavit Entity
• Notice Florida Now Restricts The Sale Of Property To Foreign Principals
• Georgia Notice
• Georgia - Indemnity Agreement
• Hawaii Notice (Fair Lending Notice)
• Hawaii - Hazard Insurance Disclosure
• Indiana - Hazard Insurance Disclosure
• Maryland - Hazard Insurance Disclosure
• New Jersey - Hazard Insurance Disclosure
• Ohio - Hazard Insurance Disclosure
• Oregon - Hazard Insurance Disclosure
• South Carolina - Hazard Insurance Disclosure
• Virginia - Hazard Insurance Disclosure
• Kentucky Civil Rights Act Notice
• Massachusetts - Property Certificate
• New Hampshire Statement Of Finance Charges
• New Jersey - Attorney Disclosure
• Ohio Equal Credit Opportunity Act Notice
• Texas Equal Credit Opportunity Act Notice
• Texas Notice of Penalties for Making False or Misleading Written Statement
• Utah Fair Housing Act
• e.g. ACH forms, Mortgage Fraud Disclosure, Commercial Financing Disclosure, Insurance Member Consent Form, etc

V. Mortgage & Collateral Assignment Documents

Included when applicable to the collateral or loan structure.

• Allonge to Promissory Note
• Assignment of Collateral Agreements
• Assignment of Mortgage/Deed of Trust
• Assignment of Management Agreement

VI. Additional Collateral & Credit Support Documents

Available based on collateral type and lender requirements.

• General Security Agreement
• Cash Collateral Agreement (CCA)
• Pledge Agreement
• Agreement to Provide Insurance
• Same Name Certification
• Debt Subordination Agreement
• Deposit Account Control Agreement (DACA)
• Landlord Lien Waiver and Collateral Access Agreement

VII. Lease & Tenant-Related Documents

May be included within origination packages or ordered independently.

• Subordination, Non-Disturbance, and Attornment Agreement (SNDA)
• Tenant Estoppel Certificate

VIII. Ownership, Consent & Structural Documents

Used for specific ownership, marital, or deal-structure scenarios.

• Spousal Consent / Waiver
• Tenancy in Common (TIC) Agreement
• Memorandum of Tenancy in Common Agreement
• Earnout Agreement
• Third Party Authorization Form

IX. Administrative & Exception Documents

Used to document closing conditions or post-closing items.

• Side Letter / Undelivered Items Agreement
• Operations and Maintenance (O&M) Agreement
• Promissory Note (147)
• Unconditional Guarantee (148)
• Unconditional Limited Guarantee (148L)
• Borrower Information (1919)
• Use of Proceeds Certification (1050)
• Standby Creditor's Agreement (155)
• Fee Disclosure and Compensation Agreement (159)
• Schedule of Collateral (4a)

X. SBA Forms

Used in lieu of GoDocs versions.

XI. Customer Supplied Documents

Provided by customer, to be selectable on a per-order basis.