OK, TRID brain starting to cloud everything else!!! Current (for 9 more days) RESPA servicing disclosure requirements help please. On a 1st lien home loan (purchase) with 25 or more acres, do we still need to give a Mortgage Servicing disclosure?

Anyone..................?? Yes, I realize the 25 acres or more is exempt from RESPA, but something is triggering a memory that we would still need to give the mortgage servicing transfer form to a 1st lien, principal dwelling, loan so that the borrower would know if we are keeping the loan in-house or selling to a 3rd party. Or, is that me trying to think logically and that, therefore, is my problem!?!

I realize the 25 acres or more is exempt from RESPA......

Not after Oct 3rd.

Yes, rlcarey (thanks for answering me!), but this is on a loan prior to 10/3 that I have the question about. Still have to function under current rules until then.

Loans on property of 25 or more acres are currently exempt from RESPA. See 1024.5(b).

And when Dan says "exempt from RESPA" he means the whole regulation.

Are you perhaps thinking of the Reg Z requirement that is triggered when there is a transfer?

https://www.bankersonline.com/regulations/12-1026-039