Know Before You Owe

The mortgage industry has seen substantial change over the past few years. The Consumer Financial Protection Bureau (CFPB) introduced new Integrated Disclosure rules that amend existing requirements for mortgage disclosures. Effective with RESPA applications received October 3, 2015, The Good Faith Estimate and Initial Truth in Lending Disclosure will be replaced with the “Loan Estimate” Disclosure. The HUD-1 Settlement Statement and Final Truth in Lending Disclosure will be replaced with the “Closing Disclosure”.

In an effort to keep our customers and business partners informed about how the changes will impact them, we have created this landing page as a one stop shop for all your Integrated Disclosure questions. We will continue to update this page with new relevant information to ensure that you “Know Before You Owe”!

Know Before You Owe Resources:

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