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Hey! how you doing Emmett Dempsey mortgage broker and owner of treasure coast mortgage here in Port Saint Lucie, florida and welcome to another video! Todays video is going to be about the closing disclosure or the settlement statement or the cd as its called uh this is a twin to loan estimate video here that i just redid so go ahead and check that out if you havent already uh the closing disclosure um is great because youre at the end of the loan process youre almost done its awesome so you guys are almost done hoorah and now youre about ready to close so what we do with the closing disclosure im going to go over the uh the details here in a minute uh about what the cd is and and what some changes some differences that youll see in the cd versus the loan estimate but uh effectively the le and cd are kind of twins uh they kind of go together a lot of estimate shows heres what i estimated they would be the closing disclosure is basically what they