As you assume, it's a done deal, but I'm not sure why a bank wouldn't want to make one, it's really not a big deal.
As far as escrow, you are correct, however I believe they use the term consummation, so it may be loans closed on or after, rather than applied for.
Last edited by RR joker; 01/28/10 08:57 PM.
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour