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04-07 Lender Announcement

04-07 Lender Announcement 2025

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The document is a notice from the Social Security Administration (SSA) published in the Federal Register, seeking public comments on various information collection activities that require clearance by the Office of Management and Budget (OMB). It outlines revisions to OMB-approved information collections related to disability appeals, requests for hearings, and reconsiderations of denied claims. The notice emphasizes the importance of public feedback on the accuracy and utility of these collections, as well as efforts to minimize respondent burden. Additionally, it includes a separate notice from the Department of State regarding a proposed information collection for an affidavit related to U.S. citizenship.

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At what point am I committed to a lender?

Youre not committed to a lender until you sign the final closing documents. If you dont plan to proceed with a particular lender, you can notify the lender or just let the Loan Estimate expire. However, switching lenders means starting the loan process over again, which could delay or endanger your closing.

When should I start talking to a lender?

Either is fine but you may find better rates and customer service with a lender over a bank (but not always), lenders may also offer more program options due relationships with other lenders (including some of the banks).

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A Realistic Timeline Some experts recommend you talk to a lender two years before youre ready to take the plunge. This can assist with determining how much house you can afford, how much you need to save, and what other steps you need to take to get approved for a home loan.

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0:09 1:52 Process additionally avoid making statements about your intention to make large purchases. This mayMoreProcess additionally avoid making statements about your intention to make large purchases. This may signal financial instability to lenders refrain from discussing your credit score without evidence.

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04-07 Lender Announcement 2025

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