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Understanding Your Loan: Cash And Transaction Summaries
http://fwd4.wistia.com/medias/8qhhzg142m?embedType=iframe&videoFoam=true&videoWidth=640 Page 3 of your Closing Disclosure will compare cash requirements from your Loan Estimate to your actual final charges. If “Did this change?” is...
Understanding Your Loan: Closing Cost Details
http://fwd4.wistia.com/medias/v590jot0qn?embedType=iframe&videoFoam=true&videoWidth=640 Page 2 of your Closing Disclosure details specific closing costs. Section A includes: Origination charges collected by the lender Origination fees...
Your Rights And Rules For Closing Disclosures
http://fwd4.wistia.com/medias/ceqilj9sss?embedType=iframe&videoFoam=true&videoWidth=640The Closing Disclosure documents the actual terms of your loan transaction. You should receive it no later than 3 business days before consummation. It must be in writing -...
Understanding Loan Estimate Comparisons
http://fwd4.wistia.com/medias/f2ad3wd9tn?embedType=iframe&videoFoam=true&videoWidth=640 Page 3 of your Loan Estimate includes measures to help you compare loans. “In X Years” shows the total amount you will have paid in that time, and...
Calculating Your Cash To Close
http://fwd4.wistia.com/medias/ui81likbta?embedType=iframe&videoFoam=true&videoWidth=640Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between estimate and closing. Some will change.A - Origination...
Understanding Your Loan Estimate: Other Costs
http://fwd4.wistia.com/medias/93bhjy2bv9?embedType=iframe&videoFoam=true&videoWidth=640Real estate transactions require taxes, certain pre-payments, and escrow funding.Recording fees are charged by government agencies for keeping legal ownership records, while...
Understanding Your Loan Estimate: Services You CAN Shop For
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...
Understanding Your Loan Estimate: Services You Cannot Shop For
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...
Understanding Your Loan Estimate: Page 2, Loan Costs
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...
Understanding Your Loan Estimate: Terms, Payments and Closing Costs
http://fwd4.wistia.com/medias/hvj5f36bke?embedType=iframe&videoFoam=true&videoWidth=640The 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 borrowing. But the...