1. For TRID it is a refinance as you cannot buy something you already own. For HMDA - banks go either way and pick one and stick to it.
2. What does a quick claim deed have to do with a new loan?
Could it still be considered a purchase in HMDA considering the husband already signed off on the deed. So then it could be considered a refinance. Be straight with me am look into this to much and it is really know different then the first scenario?