Jokers advice is good. Look at what you do in person, look at Reg. Z and RESPA, plus any state requirements which may be applicable, and look at how that would have to delivered electronically if it is required at the time of the app. If it is required within a given period, are you snail mailing it or delivering it in e-form? What E-Sign or UETA rules would apply to these?
A) You have lots of work to review here.
B) What process was used to approve what is being done? (Depending on the answer, go to C)
C) Consider taking it down until you have reviewed A above and completed an audit of what you have, do and what your risks are.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell