If the loan is subject to RESPA, the list has to be provided.
If it's a contruction loan on land currently owned by applicant, with takeout commitment from a different lender, no RESPA, no list.
If it's a construction loan on land to be acquired by the first user using funds from the loan, RESPA applies, provide the list.
If it's a construction/permanent or a construction that may be converted to permanent financing by the same lender, RESPA applies, send the list.
If it's a long term construction loan (over 24 months) to other than a bona fide builder, regardless of who might provide permanent financing, RESPA applies, send the list.
It's all about 1024.5(b)(3).
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8