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What triggers a new closing disclosure?

Three changes can trigger the issuance of a revised Closing Disclosure and a new three-day waiting period: A change in the annual percentage rate \u2014 the APR \u2014 for your loan. A prepayment penalty is added to your loan, though this fee is rare nowadays.

When must a lender use Form H 25 closing disclosure quizlet?

-Lenders provide Closing Disclosure (H-25) to consumer at least 3 business days before dispersing loan.

What is Form H 25?

H-25(F) Mortgage Loan Transaction Closing Disclosure \u2013 Refinance Transaction Sample. (amount in excess of § 1026.19(e)(3)) Description: This is a sample of the completed disclosures required by § 1026.38(e) and (h) for a completed Closing Disclosure for the refinance transaction illustrated by form H-24(D).

What triggers a revised loan estimate?

Common reasons you may receive a revised Loan Estimate include: The home was appraised at less than the sales price. Your lender could not document your overtime, bonus, or other irregular income. You decided to get a different kind of loan or change your down payment amount.