Within forty-five (45) days after the end of the Borrower's fiscal year, the Borrower shall deliver a report, in a form acceptable to CEDAC,. A personal loan agreement is a contract between two parties, generally a borrower and a lender.It outlines how much is borrowed, how it's repaid and more. This MassHousing Rider to Operating Agreement is dated as of ______, 201_ (the. Complete, review and return the form to MassMutual. Be sure to read the Loan Agreement section beginning on page 6 and retain it for your records. Complete your mortgage loan application. A formal loan application is required once a consumer finds the home they would like to purchase.