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WSB

Horizontales
Purpose of this disclosure a "business day" defined as every day except Sunday's & Federal legal holidays.
Transaction does not required right of rescission
created to protect homeowners
Lender-required settlement services, where borrower may shop but chooses an unaffiliated provider from the creditors list; government recording charges
TRID was ------2015
May not exceed 1/8 percent from LE to CD
All owners of the property have the right to cancel regardless if they are on the note
Purpose of this disclosure a "business day" defined as a day on which lenders offices are open to the public
Verticales
Origination charges, required services to affiliates, services you cannot shop for and government transfer taxes
Services the borrower shopped for, initial escrow deposit, initial escrow deposit, prepaids (homeowner's or flood insurance)
require a full appraisal and escrow of taxes/insurance
Must include A.L.I.E.N.S. to trigger the 3 day Loan Estimate. Address, loan amount, income, estimate of value, name, social security.
A copy of -------must be provided for all applications secured by 1st lien on a 1-4 family dwelling (even commercial purpose applications)
Civil money penalties of $2,056 per violation
------years a borrower may rescind a loan if rescission rights are not handled properly