http://fwd4.wistia.com/medias/ui81likbta?embedType=iframe&videoFoam=true&videoWidth=640 Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between estimate and closing. Some will...

http://fwd4.wistia.com/medias/93bhjy2bv9?embedType=iframe&videoFoam=true&videoWidth=640 Real estate transactions require taxes, certain pre-payments, and escrow funding. Recording fees are charged by government agencies for keeping...

http://fwd4.wistia.com/medias/7rpbsvdh5v?embedType=iframe&videoFoam=true&videoWidth=640These costs are paid to outside parties and YOU are free to shop and compare providers for a variety of services. These might include pest inspection, or  a survey to verify...

http://fwd4.wistia.com/medias/syibzqkwhk?embedType=iframe&videoFoam=true&videoWidth=640 These costs are paid to outside parties, not the lender, but you don’t get to choose them. They may include: appraisal, which puts a value on your property on the lender’s...

http://fwd4.wistia.com/medias/mtwwnf4tuk?embedType=iframe&videoFoam=true&videoWidth=640 Closing costs are fees paid when the title of the property is transferred to the buyer making them the legal owner. Origination Charges are fees...

http://fwd4.wistia.com/medias/hvj5f36bke?embedType=iframe&videoFoam=true&videoWidth=640 The first page of your Loan Disclosure shows the Loan Terms Projected Payments and Costs at Closing. The Loan Amount, of course is the total you are...

http://fwd4.wistia.com/medias/so44v4jwob?embedType=iframe&videoFoam=true&videoWidth=640 Yes, if circumstances change, such as: a natural disaster damages the property or affects closing costs the title insurer providing the estimate...

http://fwd4.wistia.com/medias/o183nutk5t?embedType=iframe&videoFoam=true&videoWidth=640 Creditors are generally bound by the initial Loan Estimate. They are permitted to provide a revised Loan Estimate only under certain changed...

http://fwd4.wistia.com/medias/061znkvx2y?embedType=iframe&videoFoam=true&videoWidth=640 If the amount you pay at closing exceeds the amounts disclosed on the Loan Estimate - beyond tolerance limits for each category - the creditor must...

http://fwd4.wistia.com/medias/uoghm2gtop?embedType=iframe&videoFoam=true&videoWidth=640 Yes, within defined limits. Service charges for which YOU shop and select a provider may change; the creditor is NOT responsible for providers who...