If your loan is approved on the terms you requested, the lender is required to provide a Loan Estimate within 3 business days. However, if they determine that your application will not or cannot be approved, they do not have to provide a Loan Estimate.

Likewise, if you withdraw your loan application within that period, they also do not have to provide the Loan Estimate. However, if the creditor does NOT supply the Loan Estimate in the required timeframe, approving and issuing the loan later under your original application terms will make them non-compliant with TRID Regulation Z.


At Title Junction, we care about helping you stay informed throughout your real estate transaction. The experts at our title company have extensive knowledge about real estate not only in Cape Coral and Fort Myers, but all of Florida as well.

Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: The Difference Between Rural, Suburban, and Urban Communities

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