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Joyce Pollison's Latest Stories
TRID 2.0: Determining Accuracy of “Total of Payments”
Question: The 2017 amendments (TRID 2.0) to the TILA-RESPA Integrated Disclosure Rule (TRID) include tolerances for the “Total of Payments” calculation on the Closing Disclosure (CD), which mirror the tolera
Obligation to Transfer Appraisal
Question: In a situation where a borrower switched from Lender A to Lender B and an appraisal was previously performed for Lender A, can Lender B accept that appraisal?
Settlement Agent Failing to Observe Three-Day Waiting Period
Question: On a purchase money transaction, the lender issued a Closing Disclosure which set forth a 30-year term, as opposed to the 15-year term the borrower wanted.
USA Patriot Act Disclosure Form and the Freedom Act
Question: We are a lender with a client that is very passionate about NOT signing the Patriot Act Disclosure that is included in our initial closing package.
Joyce Pollison's Latest Blog Posts
Charging Consumer for Rapid Rescore
Question: We are a lender that has some clients that require their credit score to be rescored via rapid rescore.
Seller Concessions on Final TIL
Question: We are a lender with a question regarding seller concessions at closing and the inclusion of seller paid fees on the final Truth-in-Lending and Itemization of Amount Financed.