Some disclosures, like a GFE and early TIL can be mailed. But some disclosures, like a CHARM booklet, must be give at the time of application. There is no 3-business day grace period. Which disclosures and product types are you referring to?
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell