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Emmett Dempsey, a mortgage broker and owner of Treasure Coast Mortgage in Port Saint Lucie, Florida, introduces a video about the Closing Disclosure (CD), also known as the settlement statement. He highlights that the CD is a significant step in the loan process, marking that the end is near for borrowers. Dempsey mentions the connection between the CD and the Loan Estimate (LE), explaining that while the LE provides initial estimates, the CD reflects the final details of the mortgage. He will discuss the specifics of the CD and any differences compared to the LE, emphasizing that they are closely related and play essential roles in completing the mortgage process.