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No adjustment is too small- even if your lender misspells your name or printed a typo on your address, you’ll want to have that corrected before closing. If you have any questions or final changes you’d like to make, you can use the 3-day grace period to call your lender and have those made.
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The CFPB also requires that this document be standardized, itemized, and easy to read-there’s even a section that will show you exactly what has changed between receiving your Loan Estimate and receiving your Closing Disclosure. Luckily, the Consumer Finance Protection Bureau (CFPB) requires lenders to provide your initial Closing Disclosure at least 3 business days before you close. You’ll want to compare your Closing Disclosure to your Loan Estimate to see if there are any discrepancies. It shows you the full cost of the home loan you’ve chosen-including the terms, projected monthly payments, fees, and cash to close. This document is the final bill of sale on your home loan and closing costs. What is a Closing Disclosure?Ī simple way to think about your Closing Disclosure is that your Loan Estimate tells you what you might pay, while a Closing Disclosure tells you what you will pay. We’re here to answer some of the most commonly asked questions about Closing Disclosures. It’s the last document you’ll receive before you close on your home-and it’s also one of the most important. The significance of different dates on your Closing Disclosure Why your Closing Disclosure may vary from your Loan Estimate
#BETTER TO DATE UP OR DATE DOWN HOW TO#
How to understand your Closing Disclosure form