What Is a Closing Disclosure and What Should I Review Before Signing?
What Is the Closing Disclosure? The Closing Disclosure is the final, official accounting of all financial terms of your mortgage and home purchase. Your lender must provide it at least 3 business days before your closing date — giving you time to review, ask questions, and catch any errors before yo
What Is a Loan Estimate and How Do I Read Mine?
What Is the Loan Estimate? The Loan Estimate is a standardized 3-page document your lender must provide within 3 business days of receiving your mortgage application. It is designed to help you understand and compare mortgage offers from different lenders in a consistent, standardized format — makin
What Is an Escrow Impound Account and How Does It Work for San Diego Home Buyers?
What Is an Escrow Impound Account? A mortgage escrow impound account is a separate account maintained by your mortgage servicer that collects a portion of your property taxes and homeowner's insurance premiums each month as part of your total mortgage payment. The servicer then pays these bills on y
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