Understanding Closing Disclosure: Homebuyer's Guide
Few moments in the homebuying process are as pivotal as the one when you receive your Closing Disclosure. This five-page document—standardized by federal law—arrives just days before closing, and contains the final, detailed summary of your mortgage terms, fees, and all the costs associated with your purchase. For many buyers, it represents both excitement and anxiety: after weeks or months of searching, negotiating, and financing, everything you need to know is laid out in black and white, ready for your careful review.
Think of the Closing Disclosure as your last checkpoint before signing. It’s more than paperwork—it’s your chance to confirm that every number, fee, and obligation matches what you expected. Overlooking a single line could cost you hundreds, or even thousands, of dollars. That’s why understanding how to read, analyze, and question this form is essential, whether you’re a first-time buyer or a seasoned homeowner.
This guide will walk you through everything you need to know about the Closing Disclosure: where it comes from, why it matters, and how to protect your interests before closing day. You’ll find practical explanations of each section, tips for spotting errors, an overview of Florida-specific taxes and fees, and advice for navigating the three-day waiting rule. By the end, you’ll have the confidence to spot red flags, ask the right questions, and ensure your closing goes as smoothly as possible.
What Is a Closing Disclosure and Why It Matters
Before you sign on the dotted line, the Closing Disclosure lays out every detail of your mortgage in a clear, five-page format. Created under the federal TILA-RESPA Integrated Disclosures (TRID) rule, this document is the lender’s final statement of your loan terms, all closing costs, and your obligations as a borrower. Reviewing it carefully ensures you’re not hit with unexpected fees or unfavorable terms at the eleventh hour.
A Closing Disclosure isn’t just administrative fluff—it’s your legal safeguard. By law, your lender must provide this form at least three business days before closing, giving you time to verify each figure against earlier estimates. Skipping this review can mean overlooking critical discrepancies in interest rates, origination fees, or credits negotiated with the seller. Taking the time to understand and question the Closing Disclosure can save you both money and stress.
Definition and Legal Background
The Closing Disclosure is a standardized, five-page document that consolidates crucial information about your mortgage loan. Pages 1 and 2 focus on loan terms and projected payments; pages 3 and 4 detail closing costs and cash-to-close calculations; page 5 covers legal disclosures and additional information. It replaced the old HUD-1 Settlement Statement and Truth in Lending Disclosure to streamline and clarify the closing process.
Under the Consumer Financial Protection Bureau’s TRID rule, lenders must issue this form no later than three business days before closing. The rule also sets strict tolerances on how much certain fees can change between your initial Loan Estimate and the final Closing Disclosure. For deeper guidance on these requirements, refer to the CFPB’s TRID FAQs.
Purpose and Homebuyer Rights
The primary goal of the Closing Disclosure is transparency. It gives homebuyers the opportunity to:
Compare final costs with their original Loan Estimate
Identify unexpected charges or missing credits
Ask the lender for corrections before closing
You have the right to a thorough review—signing only confirms receipt, not acceptance. If you spot an error, you can request a revised disclosure and reset the three-day waiting period. In urgent situations, buyers may even waive the waiting period by submitting a written statement of legitimate financial need. Always read every line and keep a copy for your records, so you can move into your new home with confidence.
Understanding the Three-Day Waiting Rule
One of the key consumer protections under the TRID rule is the mandatory three-business-day waiting period between when you receive your Closing Disclosure and when you can actually close on your loan. This buffer ensures you have enough time to review every line of the form, compare it to earlier estimates, and raise any questions or concerns before signing binding documents.
During these three business days, you can double-check your loan amount, interest rate, closing costs, and credits from the seller. If something doesn’t look right, you can request a corrected disclosure—and in many cases, the clock resets, giving you another full three-day window to review changes. Below, we break down how this waiting rule works in practice, what can trigger a reset, and when you might be able to shorten the wait.
Standard Waiting Period Requirements
Under federal law, the “three business days” are counted as calendar days excluding Sundays and federal holidays. Saturdays count as business days, so your closing could fall on a Saturday if your lender and title company agree.
For example:
If you receive your Closing Disclosure on Monday, Day 1 is Tuesday, Day 2 is Wednesday, and Day 3 is Thursday.
You cannot close before the end of Thursday, which gives you time to review and ask for any corrections.
Keep in mind that the disclosure must be “received,” not just sent. If your lender emails it on Monday afternoon but you don’t open it until Tuesday, the three-day clock starts on Tuesday. Always confirm receipt and note the date so you know exactly when you can schedule your closing.
Changes That Trigger a New Waiting Period
Not every cost adjustment forces you to wait another three days. Here are the key changes that will reset the clock:
A change in the Annual Percentage Rate (APR) beyond allowable tolerances
Any switch in loan product, such as moving from a fixed-rate to an adjustable-rate mortgage
The addition of a prepayment penalty if it wasn’t in your Loan Estimate
Minor tweaks—like small escrow adjustments or updates to prepaid interest—do not trigger a new waiting period. However, if you do spot a substantial change, your lender must issue a revised Closing Disclosure and you’ll get another full three business days to review it.
Waiving or Shortening the Waiting Period
In rare cases, you may choose to shorten or waive the three-day rule. To do this, you must sign a written statement declaring a bona fide personal financial emergency—for instance, a job transfer forcing you to move before the standard closing window.
Your waiver statement must:
Describe the emergency in clear terms
Be signed by you and any other borrower on the loan
Be kept in the lender’s file
Only genuine emergencies qualify, and your lender is required to retain proof of your request. If approved, you can schedule closing as soon as the waiver is signed, but be sure you’ve reviewed every detail before giving up your full review period.
Comparing Your Loan Estimate and Closing Disclosure
As you approach closing day, one of the most important tasks is a side-by-side review of your initial Loan Estimate and your final Closing Disclosure. The Loan Estimate—provided within three business days of your mortgage application—offers an early look at projected interest rates, closing costs, and monthly payments. The Closing Disclosure, issued at least three business days before closing, lays out the definitive figures you’ll pay. Comparing these two documents ensures that no unexpected surprises pop up just before you sign.
This comparison isn’t just a best practice; it’s a legal protection. Under TRID rules, certain fees and terms can’t change beyond strict tolerances. If you notice any material discrepancies, you have the right to ask for a revised Closing Disclosure—and potentially reset the three-day waiting period—before moving forward. The quick checklist that follows will help you zero in on the most critical line items.
Key Differences to Look For
When you line up your Loan Estimate against your Closing Disclosure, focus on changes to core loan terms and costs:
• Interest rate and APR: Are they identical to what you initially agreed upon?
• Loan amount: Did any fees or rolled-in costs push your principal higher?
• Total closing costs: Compare the aggregate figure and individual fees.
• Prepayment penalties or balloon payments: Were any added or removed?
• Escrow requirements: Check taxes, insurance, and PMI amounts.
Here’s a simple example of how you might chart a few of these fields:
FieldLoan EstimateClosing DisclosureInterest Rate3.75%3.75%Annual Percentage Rate3.85%3.95%Estimated Closing Costs$9,500$9,750Loan Amount$280,000$281,200
Even small shifts in APR or closing costs can affect your long-term payments. If any numbers don’t line up with your expectations or with the tolerances outlined in your Loan Estimate, flag them right away.
What to Do If You Spot Discrepancies
Document the issue
• Note the page and line item where the figures differ.
• Take screenshots or print both documents for reference.Contact your lender or settlement agent immediately
• Share the specific discrepancy and ask for an explanation.
• Request a corrected Closing Disclosure if the change exceeds TRID tolerances.Keep your real estate agent (or attorney) in the loop
• Copy them on email threads so everyone has the same information.
• Your agent can help negotiate or clarify any seller credits or fee adjustments.Confirm the revised timeline
• If a material change triggers a new three-day waiting period, note the reset date.
• Reschedule your closing appointment accordingly.Review the corrected disclosure line by line
• Don’t rush. Use your original Loan Estimate as a guide.
• Once everything aligns, you’ll be ready to move forward with confidence.
By following these steps, you’ll turn the comparison process into a powerful safeguard—protecting your interests and helping closing day goes off without a hitch.
Page-by-Page Breakdown of the Closing Disclosure
Before you sign on closing day, it helps to know exactly what each of the five pages in your Closing Disclosure covers. Below is a concise walkthrough of every page, with tips on what to verify and where to spot common surprises.
Page 1 – Loan Terms Overview
Page 1 lays out the backbone of your mortgage:
Loan amount: The principal you’re borrowing. Make sure it matches the figure you agreed on.
Interest rate: Confirm this is the locked-in rate from your Loan Estimate.
Monthly principal & interest: This is purely your debt repayment—taxes, insurance, and PMI aren’t included here.
Prepayment penalty: Rare, but if it’s listed, double-check that you consented to this term.
Balloon payment: If your loan has one, you’ll see a one-time large payment due at the end of the term.
Actionable tip: Compare the interest rate and loan amount here against your Loan Estimate. Even a 0.125% change in rate can shift your payment by hundreds over time.
Page 2 – Projected Payments and Escrow Information
This page shows how your total payment is structured and, if applicable, how it may change:
Payment breakdown: Principal & interest plus mortgage insurance (if any) and escrow for taxes and insurance.
Estimated total monthly payment: The sum you’ll pay each month.
Escrow details: If you escrow taxes, HOA dues, or insurance, verify those numbers.
For adjustable-rate mortgages, you’ll see a table projecting your maximum payment at each rate adjustment. Watch for unexpected mortgage insurance lines or escrow changes that weren’t in your original estimate.
Page 3 – Closing Costs Details
Here costs split into two main categories:
Loan Costs
Origination charges (application, processing, underwriting)
Points (discount points you purchased to lower your rate)
Services you did shop for (e.g., pest inspection, survey)
Services you did not shop for (e.g., appraisal fee, credit report)
Other Costs
Taxes and government fees (recording, transfer taxes)
Prepaids (interest, home insurance premium)
Initial escrow payment at closing
Other fees (HOA transfer, home warranty)
Advice: Line up each line item with your Loan Estimate. Note any new or inflated charges and ask your lender or title company to justify or correct them.
Page 4 – Calculating Cash to Close and Summaries
Page 4 answers the critical question: “How much do I need at the closing table?” It includes:
A formula for Cash to Close:
Cash to Close = Down Payment + Closing Costs – (Deposits Paid + Seller Credits)A side-by-side summary of borrower vs. seller amounts due at closing.
Reminder: Arrange your final funds as directed—usually a cashier’s check or wire transfer. Confirm your calculation matches this page exactly to avoid last-minute shortfalls.
Page 5 – Loan Disclosures and Additional Information
The last page contains legal details and contact info:
Assumption: Whether a future buyer can take over this loan.
Demand feature: If your lender can call the loan due at any time.
Late payment: Fees and grace periods.
Negative amortization: If unpaid interest could be added to your balance.
Partial payments: How the lender handles them.
Security interest: Your home as collateral.
Escrow account overview: What’s included and what’s excluded.
At the bottom, you’ll see signature lines with a note: signing acknowledges receipt, not acceptance. Keep a copy for your files—and only sign once you’ve confirmed every detail is accurate.
Breaking Down Your Closing Costs Section
Closing costs can add up quickly, so it’s important to know what you’re paying for and why. While some fees are set by lenders, title companies, or local governments, others cover services you’ve selected or been required to purchase. For an in-depth overview, check out our first-time homebuyers guide to closing costs. Below, we break these expenses into three main categories—lender fees, title and escrow fees, and insurance-related costs—so you can see exactly where your money is going.
Lender Fees and What They Cover
Lender fees compensate your mortgage provider for underwriting, processing, and originating your loan. Common charges include:
Loan origination fee: Often 0.5%–1% of the loan amount, this covers the lender’s administrative costs for creating and processing your mortgage.
Discount (or “points”): Each point equals 1% of the loan amount and buys down your interest rate. Paying two points on a $300,000 loan, for example, costs you $6,000 upfront.
Application and processing fees: These flat charges cover your lender’s initial review of your file and document processing.
Underwriting fee: This fee pays for the detailed risk assessment—verifying income, assets, and credit—to approve your loan.
Appraisal and credit report fees: Even though you “shop” for an appraiser, these costs fall under your loan package. Your lender orders the appraisal and pulls your credit, so the fees are passed through to you.
Courier or wire transfer fees: If your lender uses overnight delivery or wires funds, you may see small surcharges for those services.
Before closing, compare each of these line items against what appeared on your Loan Estimate. Any new or substantially higher charge should trigger a request for clarification or correction.
Title and Escrow Fees
Title and escrow fees cover the services that secure and transfer property ownership:
Title search fee: A thorough examination of public records to confirm that the seller legitimately owns the property and to identify any liens or encumbrances.
Title insurance: Protects both you (owner’s policy) and your lender (lender’s policy) against future title disputes or undiscovered liens. Premiums vary by purchase price and county.
Recording fees: Charged by the county clerk to officially record your deed and mortgage. Some counties base this on the number of pages, while others levy a flat rate per document.
Notary or document preparation fees: Small payments to the notary public or title company for drafting and witnessing closing documents.
Escrow (settlement) fee: Paid to the closing or escrow agent who coordinates the transaction, disburses funds, and ensures all prerequisites are satisfied before ownership transfers.
Many of these charges are set by state or local authorities, so you’ll see similar numbers across different lenders. Still, services you “did shop for” (like your choice of surveyor) should match your out-of-pocket receipts.
Insurance-Related Costs and Taxes
Insurance premiums and prepaid taxes often require a deposit into an escrow account at closing:
Private Mortgage Insurance (PMI): If your down payment is under 20%, most lenders require PMI to protect against default. This cost is either rolled into your loan or paid at closing.
Homeowners insurance: Lenders generally require the first year’s premium to be paid in advance and held in escrow.
Flood or hazard insurance: Properties in high-risk areas may necessitate additional policies. If so, the initial premium must be paid upfront.
Initial escrow deposit: A lump-sum payment to fund your escrow account for future tax and insurance bills. This typically equals two to three months’ worth of projected escrow payments.
Transfer or documentary stamp taxes: In Florida, you’ll see a state-imposed documentary stamp tax—usually $0.70 per $100 of purchase price—and a separate note tax of $0.35 per $100 of the mortgage amount. (We’ll cover these in detail in our Florida-specific section.)
Taken together, these insurance and tax deposits can account for a significant portion of your cash to close. Confirm that the amounts match quotes from your insurance provider and your county tax assessor’s schedule before you finalize your payment.
By breaking down closing costs into these categories, you’ll gain a clearer picture of what you’re paying for—and why. Armed with this knowledge, you can question unexpected charges, shop smarter for services, and ensure your final figures match the estimates you relied on when budgeting for your new home.
Taxes and Fees Specific to Central Florida Closings
When you flip to Page 3 of your Closing Disclosure, you’ll see a section labeled Taxes and Other Government Fees. In Central Florida, the major line items here are documentary stamp taxes on the deed and the mortgage, plus county recording fees. Below we break down how these charges are calculated and who’s responsible for paying them.
Understanding Documentary Stamp Taxes in Florida
Florida imposes two documentary stamp taxes:
Deed tax: $0.70 per $100 of the purchase price
Note (mortgage) tax: $0.35 per $100 of the loan amount
These taxes are calculated by dividing the relevant dollar amount by 100, then multiplying by the rate. For example, on a $300,000 home purchase you’d owe:
Deed tax = (300,000 ÷ 100) × 0.70 = $2,100
Note tax = (240,000 ÷ 100) × 0.35 = $840
—assuming a $240,000 mortgage. The total stamp tax would be $2,940, reflected on your Closing Disclosure under Taxes and Government Fees.
Most Central Florida counties—including Orange, Osceola, Seminole, and Lake—use these state rates. Even in Miami-Dade County the base rate remains the same, though certain transactions (like commercial transfers or condominium resales) may carry county-specific surtaxes. To confirm current rates and any local add-ons, review the Florida Department of Revenue official schedule.
Recording Fees and Local Variations
After the documentary stamps, you’ll see county recording fees. These cover the cost of entering your deed and mortgage into public records. Though each county sets its own fees, you can expect:
A flat fee per document (often $10–$15)
An additional charge per page over a set threshold (typically $2–$3 per page)
For instance, Orange County might charge $10 for the first page of your deed and $2 for each extra page, plus a similar schedule for the mortgage instrument. These recording fees are almost always the buyer’s responsibility and appear alongside the documentary stamps under Other Government Fees on Page 3 of your Closing Disclosure.
Because fees vary slightly between counties, ask your title or closing agent for the exact breakdown before signing. That way, there won’t be any surprises at the closing table when you wire or bring your cashier’s check for the Cash to Close amount.
Common Errors and Red Flags in Your Closing Disclosure
Even a minor oversight on your Closing Disclosure can have costly consequences or delay your closing. Before you sign, give the entire form a careful once-over—especially the details most prone to mistakes. By spotting these red flags early, you can avoid unexpected fees, title glitches, or last-minute scrambles for corrections.
From typographical errors to misplaced line items, here are the most common pitfalls and how to address them.
Inaccurate Loan Details and Personal Info
One of the simplest errors to spot is a typo in names, addresses, or loan terms. Misspellings of your name or the seller’s can lead to title issues down the road. Likewise, double-check that the interest rate, loan amount, and term match what you agreed upon in your Loan Estimate. If you notice any discrepancies, contact your lender immediately and request a corrected disclosure. Don’t move forward until the paperwork reflects your exact agreement.
Unexpected or Inflated Fees
Charges that weren’t on your Loan Estimate or that far exceed your initial quotes are a major red flag. Compare every line item under Loan Costs and Other Costs against your original estimates and receipts. Watch out for fees from vendors you never selected—like an unapproved appraiser or surveyor—or unexplained markups on credit report or processing charges. If a fee seems out of place, ask your lender or title company to justify or remove it.
Missing or Misclassified Charges
Legitimate costs can sometimes be buried in the wrong category, making your disclosure look inflated or incomplete. For example, negotiated seller credits might be omitted from the “Cash to Close” calculation, or escrow deposits for taxes and insurance could end up under Loan Costs instead of Other Costs. Go line by line to ensure each expense appears under its proper heading and that all buyer and seller contributions are accurately reflected. If you uncover a misclassification, request a revised disclosure—which, if material, will reset the three-day review period.
Frequently Asked Questions About the Closing Disclosure
Even with a thorough review, you may still have questions about how the Closing Disclosure affects your mortgage journey. Below are answers to some of the most common inquiries borrowers raise during the final stages of closing.
Does Receiving a Closing Disclosure Mean My Loan Is Approved?
Not quite. Your lender usually grants conditional approval before issuing the Closing Disclosure, meaning they’ve reviewed your application, credit, and property appraisal. However, a final quality-control check—often performed by a third-party auditor—can still uncover issues. If the auditor spots significant changes in your income, assets, or credit profile, they may delay or even revoke approval. To avoid surprises, maintain your current financial situation until after you’ve signed all closing documents.
How Long After the Closing Disclosure Do You Close?
By law, you must wait at least three business days from the date you receive your Closing Disclosure before you can finalize your loan. Business days include Mondays through Saturdays, excluding Sundays and federal holidays. For example:
If you receive it on a Tuesday, Day 1 is Wednesday, Day 2 is Thursday, and Day 3 is Friday—you can close on Friday or later.
If you open it on a Friday and there are no holidays over the weekend, Day 1 is Saturday, Day 2 is Monday, and Day 3 is Tuesday—you could close as early as Tuesday.
This cooling-off period gives you time to compare final numbers, ask questions, and request corrections. Remember, the clock starts when you actually receive (and open) the document, not when your lender emails it.
Can a Loan Be Denied After the Closing Disclosure Is Issued?
Yes. Even after you get your Closing Disclosure, lenders often run final verifications on your employment, bank statements, and credit. If anything material has changed—such as a job loss, a large new debt, or a major drop in your credit score—your approval could be at risk. To protect yourself:
Avoid opening new credit accounts or making large purchases.
Keep all required funds in your bank account until closing.
Promptly respond to any lender or settlement-agent requests for updated documentation.
Staying financially steady during this window helps ensure the loan that looks good on paper actually funds on closing day.
Preparing to Review Your Closing Disclosure
Before you dive into the fine print, laying the groundwork for an efficient review will save you stress (and possibly money) at closing. Think of this preparation like packing for a trip—you want everything organized and at hand when you hit the road. In this case, your “road” is the path to closing day, and the “packing” includes all the documents, numbers, and expert contacts you’ll need.
Gathering All Relevant Documentation
Start by pulling together every document that relates to your mortgage and transaction:
Your original Loan Estimate and any revised estimates
The Purchase Agreement detailing negotiated seller credits or concessions
Recent appraisal report and home inspection summary
Insurance quotes (homeowners, flood, PMI) and proof of binding coverage
Bank statements showing your down payment source and reserves
Identification and contact info for all borrowers and co-signers
Having these items at your fingertips lets you cross-reference line items, validate fees, and quickly spot inconsistencies—no last-minute scrambles.
Confirming Financial Details and Funds
A crucial part of your prep is making sure the numbers add up and the funds are ready:
Verify your cash to close calculation aligns with what’s on Page 4 of the Disclosure
Ensure your lender’s wiring instructions match your bank’s protocols to avoid scams
Confirm that your down payment and closing cost reserves are liquid and untethered
Re-examine your credit report for any late items or new activity that could raise red flags
By locking down these details before the formal review, you guard against unexpected delays or “we can’t fund” surprises.
Coordinating With Your Real Estate Team
Your closing isn’t a solo performance—it’s a team effort. Schedule a brief meeting (in person or virtually) with:
Your real estate agent, who can interpret seller credits and local fees
Your lender or mortgage broker, to answer technical loan-specific questions
Your title or escrow officer, who manages the flow of funds and documents
An attorney (if required or desired), for an added layer of legal reassurance
Send your team any questions you’ve jotted down in advance, and ask for a concise agenda so your meeting stays focused. This collaboration ensures everyone speaks the same numbers, clarifies any gray areas, and confirms you’re on track to sign—and move in—without a hitch.
Essential Tools and Resources for Homebuyers
Navigating your Closing Disclosure becomes far easier with the right resources at your fingertips. From interactive samples to handy calculators and professional checklists, these tools can help you spot discrepancies, understand every line item, and confidently move toward closing day. Below are some of the most useful free and low-cost options available online, along with guidance on when to tap into expert support.
Interactive Online Disclosure Samples
Seeing is believing—and clicking through a live form can clarify what each field actually represents. The Consumer Financial Protection Bureau offers an interactive Closing Disclosure walkthrough that highlights sections of a sample form and explains terminology in context. Spend a few minutes exploring each page of the CFPB’s sample Closing Disclosure to familiarize yourself with where key figures—like your APR, projected payments, and cash-to-close—are presented. This hands-on approach lets you practice identifying red flags before you handle your own documents.
Mortgage Calculators and Glossaries
Crunching the numbers on your Closing Disclosure is much simpler when you have access to calculators designed for homebuyers:
APR vs. Interest Rate Calculators help you see how small shifts in rate can alter your total cost over time.
Closing Cost Estimators let you plug in purchase price, loan amount, and local tax rates to approximate your out-of-pocket expenses.
Cash-to-Close Tools automatically apply your down payment, closing costs, prepaid items, and seller credits to show the final sum you’ll need at signing.
In addition, keep a mortgage glossary handy—either a printed cheat sheet or an online reference—to decode terms like “origination charges,” “prepaids,” and “negative amortization.” Many national real-estate sites and banking institutions publish free glossaries; bookmarking one can save you from flipping through pages when you spot unfamiliar language in your disclosure.
Professional Support and Guidance
While these tools are powerful, there’s no substitute for expert eyes on your Closing Disclosure—especially in complex or high-stakes transactions. Consider enlisting:
A Real Estate Attorney when state-specific laws or unique title issues arise. They can review documents line by line and advise on legal implications.
A Title or Escrow Company that offers a buyer consultation. Experienced closing agents will answer questions about local recording rules, tax stamps, and required endorsements.
An Accountant or Financial Advisor if large tax-related items (like mortgage interest deductions or PMI phase-outs) are part of your long-term plan.
Many of these professionals provide printable checklists or review templates you can complete in advance—ensuring no item slips through the cracks. When in doubt, reaching out sooner rather than later can prevent costly delays and make sure your final stretch to closing day is as smooth as possible.
Putting It All Together
You’ve journeyed from defining the Closing Disclosure in legal terms to breaking down each of its five pages, spot-checking fees, and navigating Florida-specific taxes. Now it’s time to bring it all together. Start by gathering your Loan Estimate, purchase agreement, appraisal, and insurance quotes in one place. Lay out your Closing Disclosure beside these documents and go line by line, confirming that loan amounts, interest rates, origination fees, and escrow deposits match your expectations.
Next, factor in local costs—documentary stamp taxes, recording fees, and any HOA or flood-zone insurance—so you know exactly how much you’ll need at the table. Use online calculators or the CFPB’s interactive sample to double-check your cash-to-close math. Don’t rush: if you spot a discrepancy, request a corrected disclosure and reset the three-day waiting clock. Keep your lender, agent, and title company in the loop, and lean on professional support when state-specific rules or complex fee structures come into play.
By reviewing your Closing Disclosure with a critical eye, you protect your budget and your peace of mind. When it comes time to sign, you’ll do so knowing that every number is accurate and every right has been preserved. For personalized guidance, real-time market data, and dedicated support as you move toward closing, visit Robert Michael & Co. at robertmichael.com and let our boutique team help you cross the finish line with confidence.
