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What Does Ability To Repay Mean?

What are the "Ability to repay" rules about? In a nutshell, as this video shows, new laws require le...

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What Is A Qualified Mortgage?

As this video explains, Federal laws put into effect in 2014 and supervised by the Consumer Financ...

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Understanding Your Loan: Additional Information Can Be Important

Page 4 of your Closing Disclosure is important. It is NOT just standardized form information that is...

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What Is A Rate Lock?

Mortgage rates change constantly through an unpredictable combination of government policies and eco...

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What Are VA Home Loans?

What Are VA Loans? As the video says, the name is misleading - they're not loans FROM the VA. ...

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What Are The Major Types Of VA Loans?

What Are The Major Types Of VA Loans? Major Veterans Affairs loan programs described in this vide...

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What Is A Certificate of Eligibility, or COE?

What Is A Certificate of Eligibility, or COE? The COE is the key document that verifies to lenders t...

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When Do I Get My Loan Closing Disclosure?

If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure f...

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Can Creditors Collect Information Beyond The 6 Required Pieces?

In addition to the required pieces: Name Income Social Security Number Property Address Estimated P...

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What 6 Pieces of Information Make A TRID Loan Application?

Submitting these 6 pieces of information: Name Income Social Security Number Property Address Estim...

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What Disclosures Are Used For Loans Not Covered By TRID?

Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 fo...

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What Kinds Of Loans Do TRID Disclosures Cover?

TRID rules apply to MOST consumer credit transactions secured by real property. These include mortga...

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