Answer:
There are no regulatory requirements for signatures on the 1003 or any initial disclosures. Borrower signatures are a bank or investor policy requirement.
Initial Disclosures Before Underwriting?
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Question:
Are initial disclosures required to have the borrower(s) signatures prior to going to underwriting for initial review? I understand that the loan
estimate and 1003 need signatures but what about the other initial disclosure documents i.e.: toolkit, counseling forms, servicing disclosure,
AfBA, FACTA, Privacy, Patriot etc..
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