TRID Date Calendar

Confused by the TRID date rules? Based on the application date, when is the Loan Estimate required to be delivered, when is it considered received, how do Changed Circumstances change things, when are Closing Disclosures required and when can you close the loan?

BOL user Carolina Blue created a calendar tool in Excel. There are two tabs:

• one for calculating the earliest possible closing date based on when the Loan Estimate(s) and Closing Disclosure are issued/received and
• one provides the latest possible date the Loan Estimate(s) and Closing Disclosure can be given to meet a desired closing date.

Select which tab you want and complete the green fields (and one yellow field) when prompted.

NOTE: The password to unlock both tabs is TRID in the event you need to customize this tool. You will need to have Excel 2010 or later for the tool to work properly.

TRID (v4) is contributed by "Eldon96" and is an enhanced version for use especially by those with older versions of XL or who don't have the ability to work with add-ins on the XL program itself. Saturdays can be selected or deselected, using Y or N in the Holidays tab. No add-ins are required. For those wondering what the differences are, this includes day calculations in the hidden columns that take the place of the workdays.intl() and networkdays.intl() functions added in XL versions 2010 and above. It’s a simple solution and only wouldn’t work if there were more than 3 days back to back that were Sundays and holidays. A third sheet was added with the holiday list rather than have two hidden lists for each sheet. It’s protected but not hidden. v4.2 has been updated to include Oct 2017 thru 2021 holidays.

TRID (v4.3) includes Juneteenth, June 19 of each year beginning in 2021, as a federal holiday.

As always, these and our other tools are not guaranteed and the user is ultimately responsible for ensuring their dates are compliant with the regulatory requirements applicable.