Question, how is anyone documenting the services were chosen by the customer and not the lender? besides putting the fees on the assigned buckets. do we need to show bills under the borrowers name showing they ordered the product?

How did you document this prior to TRID? Whatever you did then is all you need to do now. Most likely, a copy of the servicing provider list given to the borrower will be in your file.

Prior to TRID, we ordered the services, so we kept copies of invoices ordered by the lender. We just got our first TRID package and borrower did not choose the provider on our list for the survey. We were wondering how others are documenting the borrower chosen services not on the list.

We let our borrowers shop. However, we order most, if not all services. The borrower tells us what company they want to use, and we order from them. There are certain things we have to request from the company that the borrower knows nothing about (such as required endorsements on title, ect).

Isn't the survey in file going to have someone else's name on it?

usually the survey and the pest inspector invoices will have the name of the lender to be billed. And its usually because the lender would order it. The survey will have the name of the buyer on it.

You accept surveys that you can't tell who did it? If they can shop _ they order it.

thank you.

FWIW: We include blanks at the bottom of our provider list for the borrower to fill in the provider they would like to use for each service. If they choose someone other than who we have listed, they write it in on the blank.
I would not feel comfortable asking the borrower to order their own title policy just because they use a different company than what we list.

Most of our mortgage loans are FNMA. We keep a time line log of all aspects of the file from interview to closing. Its all documented in the time line log (its a pink legal sheet).