What are notice letters?
If Recording fees were not disclosed on the Loan Estimate, but these fees were charged on the Closing Disclosure, is this a tolerance violation if the accumulative total does not exceed the disclosed fees for the 10% category?
If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?
Is it permissible to issue a closing disclosure to a mortgage borrower more than 3 days prior to the closing date?
Our lender has a pending loan on farmland for over $1 million. A new appraisal has been completed on the ground to be purchased. Another piece of farmland currently securing other loans will also be also securing the loan. (This is not as an abundance of caution.) An appraisal was done on that property in 2016 and there have been no material changes. Can we re-use that 2016 appraisal for this purchase loan?