Does the ETIL need to be mailed 3 days from receipt of application on a primary residence sitting on 40 acres?

ETILs are required for RESPA transactions......the 40 acres would make it exempt from RESPA.

Sorry I'm so confused but just because it is exempt from RESPA does not exempt it from Reg Z, right? Therefore, do I need an ETIL or not?

It doesn't exempt it from Reg Z, no, but it does exempt it from 226.19.

Sec. 226.19 Certain mortgage and variable-rate transactions.

(a) Mortgage transactions subject to RESPA----(1)(i) Time of disclosures. In a mortgage transaction subject to the REAL ESTATE SETTLEMENT PROCEDURES ACT (12 U.S.C. 2601 et seq.) that is secured by the consumer’s dwelling, other than a home equity line of credit subject to § 226.5b or mortgage transaction subject to paragraph (a)(5) of this section, the creditor shall make good faith estimates of the disclosures required by § 226.18 and shall deliver or place them in the mail not later than the third business day after the creditor receives the consumer’s written application

Thank You!! It has been a confusing morning!!