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good evening everyone Id like to call together this meeting of the King George County Board of Supervisors for this evening were going to start out with the um invocation by Mrs kupka and then Pledge of Allegiance by Mr Miller so if you could all please stand foreign dear Lord thank you for bringing us all together here this evening to serve our community please watch over all of us please watch over our community in the days to come this week as well as next week with the impending weather headed our way and please especially keep our First Responders safe as as we know they have to do their jobs regardless of the weather and especially this time of year we would ask that you allow us all to keep in our hearts the reason for the season that you send to your only son for us to save us from our sins in your name we pray amen pledge allegiance to the flag of the United States of America and to the Republic of which it stands One Nation to God all right thank you Mrs Cupcake thank you

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Below are some common questions from our customers that may provide you with the answer you're looking for. If you can't find an answer to your question, please don't hesitate to reach out to us.

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What disclosure form gives an estimate of settlement costs?

A Closing Disclosure is a five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).

When should I receive the HUD-1 Settlement Statement?

In such case, the completed HUD-1 or HUD-1A shall be mailed or delivered to the borrower, seller, and lender (if the lender is not the settlement agent) as soon as practicable after settlement.

Is HUD Settlement Statement the same as closing disclosure?

While closing disclosures provide information about a borrowers loan, settlement statements do not include loan information. Settlement statements are used for commercial transactions and cash closings.

Are HUD-1 settlement statements still used?

One common HUD form is the HUD-1 settlement statement, which was previously utilized for a few types of mortgage products but is now used only for reverse mortgages.

Which document spells out for buyers all settlement costs?

The HUD-1 lists all costs related to closing the transaction. Federal law requires the form to be used as a standard real estate settlement form in reverse mortgage and mortgage refinance transactions. Most buyers and sellers review the form with a real estate agent, attorney, or settlement agent.

Who provides the HUD settlement statement?

A HUD-1 or HUD-1A Settlement Statement is prepared by a creditor or, more typically, by the settlement agent who conducts the closing on the creditors behalf.

When did the CD replaced the HUD-1?

The Closing Disclosure, or CD, replaced the HUD-1 beginning Oct. 3, 2015.

Is HUD-1 same as closing disclosure?

The HUD-1 form, listing all closing costs, is given to all parties involved in reverse mortgage and mortgage refinance transactions. Since late 2015, a different form, the Closing Disclosure, is prepared for the parties involved in all other real estate transactions.

What is a closing statement?

A closing statement is a form used in a real estate transaction that includes an itemized list of all the buying or selling costs associated with that transaction. Its a standard element of home sales, especially those that involve mortgages, and refinancings.

Can a HUD-1 still be used?

While the HUD-1 Settlement Statement is largely replaced by the Closing Disclosure these days, it is still used to settle cash transactions, reverse mortgages, and other loans that need not be RESPA-compliant. This is why it is important to understand the HUD-1 Settlement Statement.

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