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so those prelim numbers guys could be way off because certain items might still come off they might still be adjusted either up or down and ultimately theyre going to change still hey everybody welcome to more about mortgages my name is ian moore im a loan officer with premier mortgage lending thank you for joining me todays episode im going to continue on my series called cash to close where i touch base on all the disclosures that youll receive throughout a mortgage process in last weeks episode i talked about the loan estimate or le disclosure that goes out immediately in the beginning stages of a loan process today i want to follow that up by talking about the preliminary closing disclosure its really simple guys the preliminary closing disclosure goes out to both borrowers all borrowers on any loan whether a purchase or refinance and needs to be consented to by all borrowers and electronically signed the preliminary closing disclosure dont worry too much about the numbers