On your last question -- seller fees -- the closing disclosure is to include all fees paid in connection with the larger transaction -- the purchase of the real estate -- whether paid by the borrower, the lender, the seller or anyone else. Under TRID rules, disclosures cover more than simply the loan transaction when a seller is also involved. The initial CloD should have all the information you can reasonably gather by the time it's issued. The final CloD -- if there is another one -- should be complete.
And congratulations on your first post. We look forward to "seeing" you here again.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8