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Neil Garfield from the Garfield continuum and author of the Living Lies blog discusses the impact of securitized loans and residential mortgages on the recording requirements of documents and timing in the securitization process. These issues affect the APR stated in the Good Faith Estimate given to borrowers before closing, with some borrowers not receiving the GFE until after closing, which is a violation. Understanding the complexities of securitization in mortgages is crucial in identifying potential issues in the loan process.
