Uniform Residential Loan Application (URLA). This document is used for purchases and refinances and must be filled in correctly and completely to identify the terms of the loan, the borrower details, credit information, and funds to close. This course will emphasize how to complete the URLA, the proper rules for its completion, the fields where compliance guidelines fit in, and the ways to communicate the requirements effectively to a customer to ensure fairness and accuracy and what are the federal disclosures and timing requirements for disclosures to be given to a borrower.