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How Long Must Creditors Keep Real Estate Loan Records?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years. If a creditor sells or transfers their interest...

What Is A ‘Business Day’ For Real Estate Loan Disclosures?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

“Business day” is defined slightly differently for Loan Estimates and Closing Disclosures. For Loan Estimates, each day on which a creditor’s offices are open to the public count as a business day. Loan estimates must be delivered or placed in the...

Do Creditors Have To Approve TRID Loans In 3 Days?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

If your loan is approved, on the terms you requested the creditor is required to provide a Loan Estimate within 3 business days. If they determine that your application will not or cannot be approved they do not have to provide a Loan Estimate. Likewise, if you...

Can Creditors Collect Information Beyond The 6 Required Pieces?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

In addition to the required pieces: Name Income Social Security Number Property Address Estimated Property Value Mortgage Amount Sought a creditor may collect whatever additional information they deem necessary. However, as soon as you have provided the 6 required...

What 6 Pieces of Information Make A TRID Loan Application?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

Submitting these 6 pieces of information: Name Income Social Security Number Property Address Estimated Value of Property Mortgage Loan Amount sought constitutes a valid loan application under the TRID rule. You may apply and submit these in writing OR in oral form; a...

What Disclosures Are Used For Loans Not Covered By TRID?

by www.citycentraltitle.com | Jun 24, 2015 | TRID

Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 form for reverse mortgages, HELOCs, mobile home or other non-attached dwelling loans and others NOT covered by TRID. Housing assistance loans for low- and moderate-income...
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