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Federal loan disclosure forms define the information that creditor businesses MUST provide to consumers applying for real estate loans. Lenders have to provide you with two disclosure forms for the most common kinds of real estate loans.

First, there’s the loan estimate, which covers key features such as the estimated estimated interest rate, monthly payment, and risks of a mortgage loan. It also gives info about the estimated costs of insurance and taxes. For an approved loan, this three-page form form must be returned to you within three business days of loan application.

If the loan goes forward, the closing disclosure form—which covers key transaction costs—must be delivered at least three business days before loan consummation. This five-page form covers key transactions costs, such as projected monthly payments and closing costs, along with the loan terms. The three day window gives you time to compare the costs listed in the closing disclosure to those presented in the loan estimate.

At Title Junction we care about helping you stay informed throughout your real estate transaction. Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: 4 Important Tips to Assist Buyers in Multiple Offer Situations

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