I just received an application package yesterday from a loan officer. Application was to get a pre-approval for a purchase. It was dated and signed by the customer 7/20/09, address on property was on the application. Purchase agreement is dated 8/19/09, signed 8/24/09. He did early disclosures, dated them 7/23/09, but missed a lot of the fees, so I have to do them over again. Anybody have an idea what date to use on the correct disclosures. I always thought until you have a signed purchase agreement, you did not really have an application, but in this case, since the property address is on application, I'm drawing a blank
HELP