I have a Sr Lending officer indicating that because taxes in this state are collected in arrears, (2008's are due in January, 2009)that listing them on the HUD is not necessary on refi's, seconds.
There are no exceptions for this in RESPA are there? Doesn't this fall back to the mortgage document and if it says the bank will require (and may escrow) taxes to be paid, then there is a requirement and they should be disclosed at the very least as a POC, even on seconds, refi's, the 20 part of an 80/20 loan?
That's what I'm getting out of previous posts including D. Dickenson's. Just needing some reassurance before I fight this battle . . . .again.
Thank you-as always.