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Showing 1 post in The Loan Estimate form.
A New Beginning for Closings
Posted In Closing, Closing Disclosure, Consumer Financial Protection Bureau (“CFPB”), Dodd-Frank Act, Good Faith Estimate, Homebuyers, HUD-1 Settlement Statement, Mortgage, Real Estate Law, The Loan Estimate form, Truth in Lending Statement, “Know Before You Owe”
Currently, under federal law, within three business days after receiving an application, mortgage lenders must deliver two different disclosures to the applicants: an early Truth in Lending Statement and a Good Faith Estimate. At closing, two more disclosures are required: a final Truth in Lending Statement and a HUD-1 settlement statement. Starting Aug. 1, 2015, that long-established process will change. The forms will be reduced to two and simplified so that consumers will be able to mortgage shop more easily and understand their mortgage terms and costs more thoroughly. More >
