The Closing Disclosure is required to be in the applicant’s hand at least three business days before loan closing. That Closing Disclosure is supposed to include the actual, final numbers for the fees and charges related to the loan. In a perfect world, the third parties you deal with (title companies, etc.) have all that information to you well in advance; in many cases, however, they don’t. You need to do your due diligence to get the information for the Closing Disclosure but, if you can’t get it, despite your best efforts, you can estimate those fees and charges so that the Closing Disclosure gets out the door on time.
Jerod explains more in the video.
Published 2026/03/05
