I can see the writing on the wall. If our notice was separate, we'd have a problem with failure to provide it and/or failure to provide it prior to a person becoming obligated. And you know how crafty lenders are in their attempts at a cover up.
Just on a side note, I know that the regulation states that if a person meets the description of co-signer, that person IS a co-signer regardless of what is indicated on the loan papers. My examiners agreed with that by saying that as far as they're concerned, a co-signer could be set up as a co-borrower as long as a co-signer notice is provided. I was little bit surprised.
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The more you sweat in training, the less you bleed in battle.......