I have a new loan. Borrower is purchasing a bare lot. Guarantors are giving a 2nd D/T on their dwelling for collateral. Loan will be secured by both bare lot and a 2nd on the sfr. Are early disclosures only supplied to the guarantors? Borrower doesn't own any interest in the sfr.

The early disclosures are given to the applicant/borrower. These disclosures spell out the cost to the applicant/borrower for the loan and really have nothing to do with the collateral, other than being triggered.

The guarantors will get copies of the material disclosures and the ROR.