Organize mortgage information for quick reference. Two-hole punch allows you to attach dividers to fastener folder (sold separately). Reinforced tabs are color coded and pre-printed with headings on both sides: Application, Credit Report, Income/Assets, Appraisal, Disclosure, Title/Insurance, Closing Docs and Miscellaneous. Classification Folder Type: Dividers; Number of Sections: N/A; Cover Material(s): N/A; Interior Divider Material: Manila.