Is there suggested text for a letter concerning an escrow overage?
When pest treatment is required and if the seller is responsible for that cost, does that still constitute redisclosure of loan estimate?
HMDA: If a borrower says he does do not want to provide information at the time of initial application, but then they complete the GMI information on the 1003 at closing, what information is reported on HMDA? The updated information or the original information provided by the applicant?
Is the Housing Counseling Notice required for mobile home loans when the loan is only secured by the mobile home itself, not the land it will be situated on?
We are moving to offer higher rates and eliminate origination fees to include broker fees when a broker is involved. Instead we would pay the broker upfront, and hopefully collect that fee in interest over the next several years. Do we have to disclose the broker fee as a lender paid item POC, or do we eliminate it all together?