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부동산

Real Estate Law 76

2019.05.13 20:44 Views : 90

Check Your Understanding Answers

  1. What is the purpose of the Real Estate Settlement Procedures ACT (RESPA)?

    RESPA was created to ensure that the buyer and seller in a residential real estate transaction involving a new first mortgage loan have knowledge of all settlement costs.
     
  2. List three types of loans that do not require compliance with the TRID rule? (Additional correct answers on page 58.)
    • Reverse mortgages
    • Home equity loans
    • Loans secured by mobile homes or other dwellings that are not real property, if the dwelling is not attached to real estate.
       
  3. When must the Loan Estimate be delivered to the borrower?

    The Loan Estimate must be delivered within three business days of loan application.
     
  4. Who is generally responsible for ensuring the Closing Disclosure is delivered to a buyer no later than 3 business days before closing?

    The creditor is generally responsible for insuring that the Closing Disclosure is delivered to the buyer. However, the creditor may contract with a settlement agent to provide the Closing Disclosure on behalf of the creditor.
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