We are just now initiating an Esign program (through software) for mortgage disclosures. So here is my scenario.
The husband submitted the application to the bank but he provided his wife's date of birth and social security number incorrectly. The DOB and the SS# are keys to being able to retrieve and open the disclosures. So the wife was unable to open her disclosures. We now know her correct information (DOB/SS#) and are resending the disclosures.
So.....do we now just re-send the LE that is dated three days ago? And since we are providing hers late (more than 3 days), do we have a TRID violation?
The more you sweat in training, the less you bleed in battle.......