Sentences with phrase «if gfe»

Not exact matches

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At the end of the pre-approval process, if the bank looks you over and likes what it sees, you'll receive what's called a good faith estimate (GFE), which is a brief document spelling out the likely terms of the loan, including the interest rate, loan type (fixed - rate, adjustable and so on) and closing costs.

If the second checkbox is checked, it indicates that a closing cost credit is being provided at the GFE's listed interest rate, a setup sometimes known as «Reverse Discount Points ``.

Once you have a few different GFEs in hand, see if you can pit one lender against another, without getting too specific.

If you click the GFE image to the right, you'll see another important aspect of it.

If there's a YSP on the GFE, then you're paying too high an interest rate and should try to negotiate a lower one.

HUD's answer: «If a seller or real estate agent pays for a charge that was included on the GFE, the charges should be listed in the borrower's column, with an offsetting credit reported in lines 204 — 209 of the HUD - 1, identifying the party paying the charge.»

For the GFE and HUD - 1 / 1A forms, if the loan term is conditioned upon a specific event in the future and the timing of that event is not known at the time the GFE is issued and the HUD - 1 is prepared, (e.g. a reverse mortgage), the loan originator may enter — Not Applicable ‖ or — N / A ‖ for the loan term.

While the lender is prepared to pay its standard compensation on each loan, what if a disclosure error results in exceeding the tolerances on the Good Faith Estimate (GFE); a loan's fees must be reduced to meet high cost (or Qualified Mortgage) thresholds; or appraisal or credit report charges are not collected by the borrower?

If «Demand» is checked, but there is no balloon shown on the GFE, you must find the entry in the note to see the conditions (if any) under which the lender can call the loaIf «Demand» is checked, but there is no balloon shown on the GFE, you must find the entry in the note to see the conditions (if any) under which the lender can call the loaif any) under which the lender can call the loan.

However, TILA, RESPA, and their implementing regulations currently do not expressly require the disclosure of: (1) The email address of the creditor (unless the creditor is also the loan originator, in which case it must be disclosed on the GFE but not on the RESPA settlement statement); (2) the name, email address, and phone number of the consumer's primary contact with the creditor; (3) the email address of the closing agent; (4) the name, email address, and phone number of the consumer's and seller's real estate brokers, if any; or (5) the license number or other unique identifier issued by the applicable jurisdiction or regulating body with which a closing agent or real estate broker is licensed and / or registered, if any.

If you applied for a mortgage on or after October 3, 2015, you will receive a form, called the Loan Estimate, instead of a GFE for most kinds of mortgage loans.

If you are applying for a HELOC, a manufactured housing loan that is not secured by real estate, or a loan through certain types of homebuyer assistance programs, you will not receive a GFE or a Loan Estimate, but you should receive a Truth - in - Lending disclosure.

Regulation X also requires a settlement service provider to use an average charge in the same class of transactions for which the charge was calculated, and if the settlement service provider uses the average charge for any transaction in the class, then the settlement service provider must use the same average charge in every transaction within that class for which a RESPA GFE was provided.

Current Regulation X provides that if a service that was listed on the RESPA GFE was not obtained in connection with the transaction, then no amount for that service should be reflected on the RESPA settlement statement, and the estimated amount for that charge on the RESPA GFE should not be included in any amount used to determine whether a tolerance violation has occurred.

«If a revised GFE is to be provided, the loan originator must do so within 3 business days of the borrower's request.»

«If a revised GFE is to be provided, the loan originator must do so within 3 business days of receiving information sufficient to establish changed circumstances.»