Application came in as 2000 Main Street. However, the loan officer changed the address to 2002 Main Street to match the County records and ALTA policy. When the disclosures went out, the disclosure individual changed the address back to 2000 Main Street to match the Multiple Listing Service database. Both 2000 and 2002 Main Street are on the same TMK. When looking at the conveyance document, it reflects 2000 Main Street with two buildings - the main building (2000) and a cottage (2002).

What are the compliance implications to us making the revision to 2002 Main Street to match the County records, when the application came in as 2000 Main Street?

What is the address where mail would be delivered?

IMHO, the LO should not be making arbitrary changes to anything.

Hi, Rocky P. Thank you for your response.

I've asked the LO what the legal address is. The applicant provided a Real Estate Schedule which referred to 2000 Main Street as the main house and 2002 Main Street as the cottage as well, so I asked the LO to inquire with the applicant on whether they're aware that the county tax records are reflecting 2002 Main Street. If so, if they're able to advise why.

IF the LO proceeded with the revisions without inquiring with compliance, do you know what the ramifications could have been?