If the intent at the outset is that an extension of credit will be secured by a first lien on a dwelling, that's enough to trigger the requirement for the appraisal copy and, within three business days of receipt of the application, the notice. That's true whether the specific dwelling (address) has been identified or not.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8